Terms of Use

Last updated: 2026-04-25

1. About SARTastic

SARTastic is operated by Destiny Wills and Legal Services Ltd. It is a free-to-use online tool that helps individuals draft Subject Access Requests (SARs) and related correspondence under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

By using SARTastic you agree to these terms. If you do not agree, do not use the service.

2. Eligibility

You must be aged 18 or over and a UK resident (or otherwise reasonably connected to the UK) to use SARTastic. You must use the service only for your own personal data rights — do not generate SARs on someone else's behalf without their authority.

3. Not legal advice

SARTastic does not provide legal or financial advice. We provide template letters, contact information, deadline tracking and related tools. The letters generated are based on standard UK GDPR and regulator-published wording — they are not bespoke legal documents.

If your matter is complex or high-value, you should consult a qualified solicitor or consult the Financial Ombudsman Service / ICO directly. Free guidance is available from MoneyHelper, Citizens Advice, the FCA and the Financial Ombudsman.

4. Your account

You are responsible for the accuracy of the information you enter into your profile. We use those details to populate the SAR letters — incorrect details may cause the recipient to be unable to find your records.

Keep your password confidential. You can delete your account at any time via your profile, or by emailing us.

5. Your responsibilities when sending letters

  • Review every letter before sending it. Make sure the lender, the wording, and your details are correct.
  • How letters are sent. When you click "Send via SARTastic", we dispatch the letter from info@sartastic.co.uk on your behalf as your administrative conduit. The letter carries a footer making this relationship explicit, and Reply-To is set to your own email so lender responses go directly to you. You are BCC'd on every outbound and receive a verbatim copy in your inbox. We keep an immutable audit archive of each letter sent. You may alternatively choose to send the letter yourself (by email from your own account, or by post) and mark it as sent manually.
  • You commit to the truthfulness of any factual statements you make in the letter (e.g. that you had a finance agreement with the recipient).
  • You authorise SARTastic to dispatch letters on your behalf in the manner described above when you click the Send button. You may withdraw this authorisation at any time by deleting your account; already-dispatched letters cannot be recalled.
  • Treat lenders' responses respectfully and lawfully. Do not use SARTastic to harass any organisation.

5A. Identity warranty and verification

By using SARTastic you warrant that:

  • You are the individual (the "data subject") to whom the Subject Access Requests you submit relate; or
  • You are acting with valid written authority from the data subject — for example, a signed Letter of Authority, a valid Power of Attorney covering property and financial affairs, or an equivalent legal instrument — and that authority is current, has not been withdrawn, and permits you both to submit the request and to receive or handle the response on the data subject's behalf.

Identity Checks. SARTastic does not run third-party identity verification. We verify your email address, and, for Pro-tier services, we require the typed signing name to match your profile exactly.

Lender Verification. The organisations you send requests to ("data controllers") are responsible for satisfying themselves, where necessary and proportionate, that the request is made by or on behalf of the correct person before releasing personal data (UK GDPR Article 12(6)).

Criminal Liability Notice. Under Section 170 of the Data Protection Act 2018, it may be a criminal offence knowingly or recklessly to obtain personal data, disclose personal data, procure the disclosure of personal data to another person, or retain personal data without the consent of the data controller. If you submit a request in someone else's name without proper authority, you may expose yourself to criminal liability.

We reserve the right to suspend or terminate any account where we have reasonable grounds to suspect misuse — including but not limited to: submitting SAR requests relating to a person who is not the account holder and for whom no valid authority is held; providing false or misleading personal information at registration; or using SARTastic to harass or defraud any organisation or individual.

If you are a data controller and believe SARTastic is being used to submit fraudulent requests in the name of one of your customers, please report it via our abuse reporting page.

6. Lender directory accuracy

We do our best to keep our lender contact data current, sourcing from the ICO register, Companies House, lenders' published privacy notices and lenders' dedicated FCA-redress complaint inboxes. We re-verify quarterly. However, lenders move addresses and change processes — so we cannot guarantee any specific contact detail is current at the moment you send. If a letter bounces, please let us know.

7. Service availability

SARTastic is provided "as is". We aim for high uptime but do not guarantee uninterrupted availability. We may modify, suspend or discontinue features with reasonable notice.

8. Limitation of liability

To the maximum extent permitted by UK law, SARTastic is not liable for: lost compensation a lender may or may not pay you; missed deadlines caused by email delivery failures outside our control; lender responses you disagree with; or any consequential, indirect or special damages.

Nothing in these terms excludes liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded under UK law.

9. Pricing, billing and cancellation

9.1 Free tier

The Free tier of SARTastic is, and will remain, free of charge. We reserve the right to introduce reasonable usage limits to prevent abuse, but we will not retroactively put features that were Free behind a paywall on existing accounts.

9.2 Pro tier — price and billing cycle

The Pro tier of SARTastic costs £17.99 per month. The price you see at checkout is the price you pay — Destiny Wills and Legal Services Ltd is not VAT-registered (turnover below the registration threshold), so no VAT applies to your subscription. Should our VAT status change, we will give you at least 30 days' notice before charging VAT.

Pro is billed monthly in advance. Your first payment is taken when you complete checkout; subsequent payments are taken automatically on the same day each month. Each payment grants you Pro access for the billing period that follows it. Payments are taken in pounds sterling (GBP) by our payments processor, Stripe Payments Europe Ltd; your card statement will show "STRIPE *DESTINY" or similar.

9.3 14-day cancellation right (cooling-off period)

Because you are buying digital services from us at a distance, you have a statutory right under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 to cancel within 14 days of starting your subscription and receive a full refund of your first payment, provided you have not asked us to begin supplying the service to you within that 14-day window.

When you complete the Pro checkout, Pro features are made available to you immediately — that is the substance of what you have bought. By clicking "Subscribe" on the Stripe checkout page, you expressly request that we begin supplying the service immediately and acknowledge that this means you will lose your right to cancel for a full refund once the service has been fully performed in any given billing period. You can still cancel future renewals at any time (see 9.4).

If you cancel within the 14-day cooling-off window before meaningfully using Pro features, we will refund your first payment in full. If you have used Pro materially in that window (for example, the AI analyser has processed inbound lender replies on your behalf), we may deduct an amount proportionate to the service supplied before refunding the balance, in line with regulation 36 of the 2013 Regulations. In practice we will be reasonable about this and lean towards a full refund unless usage has been substantial.

9.4 Cancelling future renewals

You can cancel your subscription at any time, for any reason or no reason, via the Manage subscription button on your profile page, which opens the Stripe Customer Portal. Cancellation takes effect at the end of the billing period you have already paid for — you keep Pro features until that date, and you are not charged again. We do not pro-rata refund the balance of an in-progress month, except where required by 9.3 above or by consumer law.

9.5 Failed payments and suspension (dunning)

If a renewal payment fails (expired card, insufficient funds, bank decline, etc.), Stripe will automatically retry the payment several times over approximately three weeks. During this period your Pro access continues uninterrupted — we do not want a card glitch to interrupt analysis of inbound lender replies. You will receive emails from Stripe asking you to update your card.

If all retries fail and Stripe marks the subscription as unpaid or cancelled, your account will revert to the Free tier automatically. Your account, your SAR history and your inbound lender replies remain available on the Free tier; Pro-only features (such as the case-summary dashboard and the new-finding emails) become unavailable until you resubscribe. We do not delete data when Pro lapses.

9.6 Discretionary refunds

Outside the 14-day cooling-off window, refunds are at our discretion. We will consider a refund where there has been a clear service failure on our part (for example, sustained downtime or a defect that materially prevented you from using Pro features). We are not obliged to refund where you have changed your mind, no longer need the service, or are dissatisfied with outcomes that depend on third parties (such as how a lender responds to your SAR).

To request a refund or raise a billing question, email info@sartastic.co.uk from your registered address. We will respond within 5 working days.

9.7 Price changes

We may change the price of Pro from time to time. Any price change will be notified to you by email at least 30 days before it takes effect, will only apply to billing periods that begin after the notice period has elapsed, and will give you the opportunity to cancel without penalty before the new price applies. The notice email will include a one-click link to cancel your subscription, so that you can decline the new price without having to navigate the Customer Portal yourself.

10. Acceptable use

You must not use SARTastic to:

  • Generate SARs in someone else's name without their authority
  • Submit knowingly false information
  • Probe, scan or test the vulnerability of our infrastructure
  • Scrape, copy or republish our lender directory or content for commercial purposes
  • Interfere with another user's use of the service

11. Changes to these terms

We may update these terms. The "last updated" date tells you when. Material changes will be highlighted in-app and (where you have a verified email) notified by email. Continued use after the change date constitutes acceptance of the revised terms.

12. Governing law

These terms are governed by the laws of England and Wales. Disputes will be heard in the courts of England and Wales.