Index Property Hub — Terms & Conditions (EULA)

Last updated: September 2026

1. Acceptance of Terms

By downloading, installing, or using Index Property Hub (the “Software”), a desktop application developed and published by TWO HEADS LTD (Company Registered in England & Wales No. 2319759), you agree to be bound by these Terms and Conditions and End User License Agreement (EULA).

If you do not agree to these terms, do not install or use the Software.

2. Software License & Intended Use

TWO HEADS LTD grants you a non-exclusive, non-transferable, revocable license to install and run the Software locally on your personal computer (Windows or macOS) for managing your residential and commercial property portfolio, digital record-keeping, and Making Tax Digital (MTD) quarterly updates.

Permitted Use

  • Personal and business management of your UK property portfolio.
  • Recording rental transactions, expenses, maintenance, and compliance obligations.
  • Submitting digital quarterly updates directly to HM Revenue & Customs (HMRC) via your authorized Government Gateway account.
  • Exporting your data in standard spreadsheet (CSV) and document (PDF) formats.

Restrictions

  • You may not reverse engineer, decompile, or disassemble the Software.
  • You may not redistribute, resell, lease, or sublicense the Software without express written consent from TWO HEADS LTD.
  • You may not tamper with or bypass security mechanisms, digital signatures, or HMRC API communication protocols.

3. Local Data Storage & Architecture

Index Property Hub is an offline-first desktop application.

  • All property records, financial ledgers, tenancy agreements, and credentials are stored solely on your local storage device within an encrypted local SQLite database.
  • Your personal and financial records are never uploaded to, mirrored on, or retained by TWO HEADS LTD servers or third-party cloud infrastructure.
  • You are solely responsible for creating regular backups of your local application data and database files.

4. Making Tax Digital (MTD) for ITSA Scope

Index Property Hub is an In-Year MTD update product for UK Property income.

  • The Software facilitates digital record-keeping and submits cumulative quarterly updates to HMRC via the MTD Property Business API.
  • The Software displays in-year estimated tax liabilities based on live HMRC Individual Calculations API responses.
  • End-of-Year Declarations: Index Property Hub does not submit End of Year Final Declarations or non-mandated income sources. Taxpayers requiring End of Year filing are signposted to compatible full-service software as listed on GOV.UK MTD Compatible Software.
  • The user remains solely responsible for the accuracy of their underlying financial records, timely submissions, and compliance with statutory HMRC deadlines.

5. Multi-Factor Authentication (MFA) & HMRC API Security

Communication with HMRC API gateways (api.service.hmrc.gov.uk) is conducted directly from the user’s desktop client (DESKTOP_APP_DIRECT connection method) via secure TLS encryption.

  • Multi-factor authentication is enforced directly by HMRC’s Government Gateway during the OAuth 2.0 web authorization flow.
  • The desktop software does not store your Government Gateway password or hardware MFA tokens.
  • All required fraud prevention headers (Gov-Client-*) are compiled dynamically at runtime in full accordance with HMRC regulatory standards.

6. Publisher Information & Contact

TWO HEADS LTD
Newhaven Enterprise Centre, Denton Island, Newhaven, East Sussex BN9 9BA
Company Registration: 2319759 (England & Wales)
Email: info@2headsdesign.co.uk
Direct Enquiries: Darron Hartas (darron@2headsdesign.co.uk)
Website: https://2headsdesign.co.uk