These terms govern your use of EPC Ledger ("the service"), provided by Michael McCoy trading as EPC Ledger ("we", "us", "our"). Our principal place of business is located at 31 Priorwood Road, Newton Mearns, Glasgow. By creating an account, you agree to these terms in full.
If you register for our Free or Portfolio plans, you contract with us as a Consumer. If you register for our Professional plan, you contract with us as a Business User. Different legal protections and liability frameworks apply to each tier as set out below.
1. What the Service Is
EPC Ledger matches properties in a landlord's portfolio to retrofit grant schemes (including ECO4, the Boiler Upgrade Scheme, Warm Homes: Local Grant, and LA Flex) and tracks portfolio-wide rules across your properties. The service covers properties located in England and Wales only.
2. Informational Tool Only (Our Status)
EPC Ledger is an independent, informational digital tool.
- No Affiliation: We are not a scheme administrator, energy supplier, installer, local authority, or financial adviser. We are not endorsed by, or affiliated with, HM Government, Ofgem, or any local authority.
- Not Advice: Nothing in the service constitutes financial, legal, energy, or tax advice.
- No Guarantees: A grant match is an estimate based on published scheme rules and the data you provide. It is not a guarantee of funding, eligibility, or final outcome. Scheme rules, funding pools, and local authority criteria change frequently without notice.
3. Your Account and Data Accuracy
You must provide accurate property and tenant information. The accuracy of any grant match depends entirely on the data you input. You are responsible for keeping your login details secure and for all activity on your account.
4. Plans, Billing, and Your Statutory Cancellation Rights
We offer three tiers:
- Free Plan: 1 property, £0.
- Portfolio Plan (Consumer): 2–5 properties, billed annually.
- Professional Plan (Business): 6–20 properties, billed annually.
Paid Subscription Mechanics (DMCCA Compliant)
Paid plans are billed annually in advance via Stripe and renew automatically.
- Renewal Reminders: We will send you an email reminder notice at least 14 days (but no more than 30 days) before your annual renewal date, stating the price to be charged.
- Initial Cooling-Off Period (Consumers Only): If you are a Consumer User, you have a statutory right to cancel your subscription for any reason within 14 days of your first signup for a full refund. Business Users (Professional Plan) do not have this statutory cancellation right; sales to Business Users are final once access to the service is granted.
- Renewal Cooling-Off Period (Consumers Only): Consumer Users have a statutory right to cancel their subscription within 14 days of any auto-renewal payment for a full refund. This statutory renewal cooling-off right does not apply to Business Users.
- Standard Cancellation: Cancelling outside of a cooling-off window stops future renewals at the end of your current billing cycle; no partial refunds are provided for the remaining months.
5. Acceptable Use
You agree not to:
- Use the service for any property you do not have the legal right to manage.
- Scrape, crawl, extract, or bulk-download data or logic from the service.
- Circumvent or attempt to bypass plan limits, user seats, or billing terminals.
- Input false, fabricated, or deliberately misleading data to manipulate grant matching results.
- Use the service to facilitate, plan, or execute fraudulent applications for government funding, grants, or ECO4/BUS schemes.
6. Intellectual Property
We own all rights, software code, design, and matching logic within EPC Ledger.
Data you input about your properties and tenants remains yours and is handled in accordance with our Privacy Policy and UK GDPR. For details on how we process your personal data, please review our Privacy Policy. The Privacy Policy is provided for informational purposes only and does not form part of this legal contract.
7. Limitation of Liability
For All Users (Non-Excludable Terms)
Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or any other liability that cannot be lawfully excluded under English and Scottish law.
For Consumer Users (Free & Portfolio Plans)
- Statutory Digital Content Rights: We warrant that the service will be provided with reasonable care and skill, and that the digital content will be of satisfactory quality and fit for purpose as described.
- Reliance on Data: Because the platform relies on external, volatile government schemes, you acknowledge that you must independently verify grant eligibility with an official scheme installer or local authority before spending money.
- Our Liability Cap (Portfolio Plan): If we fail to comply with these terms, we are only responsible for loss or damage you suffer that is a foreseeable result of our breach. Our total liability to you for any breakdown, data error, or breach is capped at the total amount paid by you to us in the 12 months preceding the claim.
- Our Liability Cap (Free Plan): As the service is provided free of charge, we owe you no financial compensation for information inaccuracies, matches, or software downtime. Our liability to Free Plan users is strictly limited to the statutory minimum: repairing any digital damage caused directly to your device or other digital content by our platform's proven negligence.
For Business Users (Professional Plan)
- "As Is" Delivery: The service is provided to business entities on an "as is" and "as available" basis. All implied warranties, terms, and conditions (statutory or otherwise) regarding quality, accuracy, or fitness for a particular purpose are strictly excluded to the maximum extent permitted by the Unfair Contract Terms Act 1977.
- Exclusion of Consequential Loss: We will not be liable to business users for any loss of profits, loss of business, loss of grant revenue, lost opportunities, data corruption, or any indirect or consequential financial losses.
- Strict Liability Cap: Our maximum aggregate liability to your business for any claim arising out of or in connection with the service is strictly capped at the exact amount paid by you for the Professional Plan in the 12 months preceding the claim.
8. Material Changes and Termination
- Changes to Terms: We may update these terms to reflect changes in law or app features. If a change materially affects your rights, we will give you 30 days' advance notice via email. If you do not agree to the new terms, you have the right to terminate your account immediately without penalty, and we will issue a pro-rata refund for any unused months left on your subscription.
- Account Termination: We can suspend or terminate your access if you breach Section 5 (Acceptable Use) or fail to clear subscription invoices.
9. Governing Law and Local Court Rights
- Governing Law: These terms are governed by the laws of England and Wales.
- Jurisdiction for Consumers: If you are a Consumer landlord living in Scotland, you can bring legal proceedings relative to this service in either the Scottish courts or the courts of England and Wales.
- Jurisdiction for Businesses: If you operate as a Business User, you agree to the non-exclusive jurisdiction of the courts of England and Wales (allowing us to enforce debt recovery actions in Scottish courts if your business is registered in Scotland).
Contact Us
For account closures, subscription cancellations, or questions: [email protected]
See also our Privacy Policy.