Terms & Conditions
Last updated: 7 October 2026
For general information only. Not financial, tax, or legal advice — always verify with Revenue.ie or a qualified tax advisor.
1. Who you are contracting with
CentSmart (the "Service") is operated by Paul Cooke trading as CentSmart, based in Ireland ("we", "us"). By using CentSmart you agree to these Terms. If you are using CentSmart on behalf of an organisation, you confirm you have authority to bind it. You must be at least 18 years old or the age of majority in your jurisdiction.
2. The service
CentSmart is a household-finance planning tool for people living in Ireland. It provides salary calculations, tax efficiency suggestions, budget tools, grants information and a general-purpose AI assistant. CentSmart is for general information only and is not regulated financial, tax, legal or investment advice. Always verify figures at revenue.ie and consult a qualified professional before making decisions.
3. Acceptance and acceptable use
By using CentSmart you must not:
- Use the Service unlawfully or for fraudulent purposes
- Send spam, malware or attempt to probe, scan or breach security
- Infringe any intellectual-property rights
- Reverse engineer, scrape, or resell the Service
- Misrepresent your identity or share account credentials
You are responsible for keeping your account credentials confidential and for all activity under your account.
4. AI assistant
Outputs from the AI assistant may be inaccurate or out of date. They are not professional advice. You are responsible for your prompts, for verifying outputs, and for any decisions you take based on them. We may filter, restrict or remove content that breaches these Terms.
5. Intellectual property
We retain all rights, title and interest in the Service, including software, designs, documentation and branding. We grant you a limited, non-exclusive, non-transferable right to use the Service within your selected plan.
6. Subscriptions, billing and refunds
Paid plans are billed monthly or yearly through our payment processor, Stripe Payments Europe, Limited ("Stripe"). Payment, currency and invoicing terms are governed by Stripe's Consumer Services Agreementand our Refund Policy. Subscriptions renew automatically until you cancel from the Subscription portal or by contacting us.
7. VAT
CentSmart is the seller of record. Where required, Irish or EU VAT is calculated and collected at checkout based on your billing location and shown on your invoice.
8. Service level and warranties
We aim to keep CentSmart available and accurate but we do not guarantee uninterrupted or error-free operation. To the fullest extent permitted by law we disclaim all implied warranties (merchantability, fitness for a particular purpose, accuracy of tax outputs).
9. Liability
To the fullest extent permitted by law our aggregate liability for any claim arising out of or in connection with the Service is capped at the fees you paid us in the 12 months before the event giving rise to the claim. We are not liable for indirect or consequential losses, including loss of profits, data or goodwill. Nothing in these Terms excludes liability for fraud, death or personal injury caused by negligence, or any other liability that cannot be excluded by law.
10. Suspension and termination
We may suspend or terminate your access for material breach, non-payment, security or fraud risk, or repeated policy violations. You may cancel at any time. On termination your access ends and we may delete your data after a reasonable export window.
11. Changes
We may update these Terms; material changes will be notified by email or in-product banner.
12. Governing law
These Terms are governed by the laws of Ireland. The courts of Ireland have exclusive jurisdiction to settle any dispute arising out of or in connection with them.
Contact
Questions: paul@centsmart.ie.