Terms & Conditions

1. Scope of Services We provide accountancy and tax advisory services as agreed in writing. Exclusions: Services do not include legal advice, audit, or financial product advice unless agreed.

2. Client Responsibilities You must: - Provide accurate and complete information - Respond promptly - Comply with laws We are not responsible for errors caused by incorrect information.

3. Fees & Payment Fees are agreed and payable as invoiced. Late payments may incur interest.

4. Limitation of Liability Liability is limited to fees paid. Nothing excludes: - Death or personal injury - Fraud - Statutory rights

5. No Guarantee of Outcomes We do not guarantee outcomes from HMRC or tax positions.

6. Anti-Money Laundering We may report suspicions to the National Crime Agency without notifying you.

7. Client Money We do not hold client money unless agreed.

8. Intellectual Property We retain ownership until payment is made.

9. Communication Email is accepted for formal communication.

10. Delays We are not responsible for missed deadlines due to client delays.

11. Force Majeure We are not liable for events outside our control.

12. Variations We may update these terms at any time.

13. Governing Law England and Wales.