DEBITSCREDITS.CO.UK LIMITED Verified

Terms & Conditions

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Weare pleased to accept the appointment as your accountants and tax consultants.The purpose of this letter is to set out the basis on which we are going to actand our respective responsibilities. If you are signing up for one specificservice, only the relevant services & relevant service’s terms will beapplicable to you. 1. ACCOUNTING – YEAR END ACCOUNTS 1.1  You have instructed us to prepare your financial statements each yearfrom the record provided by you.1.2 You have agreed that you or your staff will: (a) Keep the records of receipts andpayments;(b) Keep the records of sales invoices and expense invoices;(c) Keep all bank and credit card;(d) Any other relevant information.(e) Provide us the accurate information to prepare the accounts & TaxReturns(f) Provide us information on time 2. CORPORATION TAX 2.1This engagement will commence with the next company’s tax return we work on.2.2 We will prepare, from the accounts and other information and explanationsprovided by you, the company’s corporation tax return and computations,together with all supporting schedules and, where necessary, amended returns.2.3 We will send you the tax return and supporting schedules for you to approveand sign. We will then submit it, with the accounts and computations, to H MRevenue & Customs. 2.4We will advise you of the amounts of corporation tax to be paid and the datesby which the company should make the payments. Where appropriate, we willinitiate repayment claims when tax has been overpaid. 2.5We will deal with all communications relating to the company’s tax returnaddressed to us by H M Revenue & Customs or passed to us by the company,and subject to the nature of the communication, may need to be the subject of aseparate assignment in which case we will seek further instructions from you.However, if H M Revenue & Customs choose your return for enquiry this workwill need to be the subject of a separate assignment in which case we will seekfurther instructions from you. 2.6We will prepare the tax provisions and disclosures to be included in thecompany’s statutory accounts. TheFee is charged as per the accounting year of the company, which is based on theturnover and work involved. For the standalone services the period from the companyaccounts will be as per the period of company’s house. 3. PAYROLL AND YEAR END RETURNS 3.1We will maintain your payroll records, supply you with completed weekly/monthlypayslips for you ( on request) to pass to employees, supply you with details ofthe PAYE and National Insurance Contributions for you to send to the Collectorof Taxes with a cheque which you will draw, complete your yearend return formP35 with forms P14 and P60 and supply you with the completed form P35 forsignature and submission by you to H M Revenue & Customs with forms P14 andthe forms P60 that you will pass to each employee. 3.2In order to do this we need to comply with the Employer’s Guide to PAYE: Wewill consider with you the detailed information that is required and the formin which it is to be provided. 3.3Setting up pension and pension related services are charged separately and thefee is not included in the payroll unless agreed in advance in writing. 3.4If you have requested us to deal with pension, we will provide you a separatequotation, where the rest of the terms will remain same as written in thisagreement. Additional shareholders or employees on the payroll will incuradditional charges. Please ask us for a quote if this applies in your case. Thepayroll period runs from 1st April to 31st March every year,  For all inclusive packages the fee is chargedas per the accounting year of the company, whereas for the standalone or oneoff service package/service the fee is charged as per the payroll period. 4. VALUE ADDED TAX (VAT), EC SALESLIST, VAT MOSS 4.1If at the time of this letter you are not VAT registered and registrationbecomes necessary, we will endeavour to ensure that you register in timeprovided that:(a) you notify us in writing within 10 days of the end of each month of thetotal value of supplies you have made in that month; and (b)You notify us immediately in writing if the value of taxable supplies that youwill make in the next 30 days is likely to exceed the annual registration limitthen in force.(c) Where you business is registered for the VAT during the year, you will becharged according to the fee schedule. It is your responsibility to confirm usif you are not sure about the charges. TheVAT period runs as per the dates given by HMRC ( Usually every three months),For all inclusive packages the fee is charged as per the accounting year of thecompany , whereas for the standalone or one off service package/service the feeis charged for each return we prepare for VAT, EC sales list, VAT Moss. 5. COMPANY SECRETARIAL 5.1You have agreed to complete all the returns required by law, for example, theConfirmation Statement (previously annual return) and the notification ofchanges in directors. We shall, of course, be pleased to advise you on theseand any other company secretarial matters if requested at a fixed cost. If weare filing confirmation statement, the fee will be charged on a yearly basis.It is your responsibility to inform us about any changes that occurred duringthe year so that we can update the company’s house. REGISTERED OFFICE ADDRESS: Ifyou are using registered office address facility, it must not be used for anycriminal activity. You are not authorised to use our office address without ourwritten permission. Failure to do so will lead to a legal action. You are notauthorised to use our office address to obtain any loans, Cars, or any sort ofitems. We are only responsible to scan & email to you the correspondencefrom the company’s house & HMRC. All the registered office address facilitymust be paid in advance, failure to do so will lead to a notification to thecompany’s house where your company will be frozen along with its bank accounts.It is your responsibly to take any money out from the business accounts whereyou have authorised us to strike off the company. Thefee for the registered office is charged on an yearly basis in advance unlessincluded in the package, It will be for the period of 12 months from the dateyou take such services. The registered office address facility only allows youto register office address for the company.  Inorder to comply with legal & AML regulations, any post received at ouroffice address will be opened, scanned and email to you. I order to avoidstorage cost, we discard/shred the letters received at our address once theyhave been emailed to you. Should you want to collect any letter, please let usknow in advance. 6. OTHER SERVICES 6.1However, there are many other areas where we can be of assistance and we shallbe pleased to discuss any matters with you. These other services include:(a)business growth strategies, management accounting, including such matters ascash flow statements, costing systems, etc., and advice on management,Bookkeeping, Pensions etc (b)Reduction of tax bills, Fee Protection Insurance, Tax Investigations. TaxInvestigations are not part of the services unless written & agreed inadvance.For any other services, we may not be able to issue a separate letter ofengagement to reduce the admin work. Therefore the same letter of engagementterms will be applicable on you for all the future services that we agree inwriting or by the email. You will be charged as per the fee schedule, or feeagreed in advance for the services that you have selected/opted. For any otherservices, you will be sent a separate invoice. Please confirm in writing if youare unsure. 7. OUR FEE & SETTING UP A DIRECTDEBIT. 7.1The subject of accounting fees is obviously of interest both to us and to you.You as a client want to feel you are getting your money’s worth for the fee youpay, and we must have fees that are adequate to enable us to give a goodservice.  Thefee we have quoted here is purely based on the information supplied from yourend. If you have provided incorrect information, you are most likely to get anincorrect quote.  Inmuch of the work we do, we are reasonably able to predict how much time itshould take, and are willing to make a firm estimate of this fee in advance.Often it is impossible to predict all the problems we are likely to encounteron the job. Hence, we will let you know at the end how much time we have spent.In some cases, where the fee estimate was completely/materially incorrect, thenwe will update you. e.g if we said it will take 20 hours to complete the joband when we started work , we realised it will take 150 hours, we will informyou of material change. Thefee we have agreed is based on the assumption that the payment will be made bysetting up the direct debit on the link above. Where a direct debit is notsetup by a customer/client, we will charge 10% fee on top of the agreed fee. Therefore,to avoid any confusion in relation to the fee, it is necessary to setup thedirect debit. If you do not have our details, please request us.  Ourfee must be paid in advance for all the work that we are doing. In some cases,we may show leniency but in majority of the cases it must be paid in advance. 7.2Our fees are based on the time necessarily spent on your affairs by thepartners and staff involved. Some clients are billed at agreed intervals, andour settlement terms are as follows: a)Our fee/invoice must be settled within 7-10 days of the invoice date or asmentioned on the invoice, or before the accounts due date (where applicable).If the accounts due date is before the invoice due date, the accounts due datewill be considered as invoice due date. If the 10 day period is exceeded theyare deemed overdue. If you are paying on a monthly basis, you will be invoicedon the 1st of each month and you will be paying one month in advance. b) Iffees are not settled within the due date from the fee note date, on the 7th or11th day ( or soon after the due date) the service charges will be charged at aminimum of 3% per month from the date they became overdue, or as it is writtenon the invoice whichever is higher. Whilst any amounts are outstanding, ourfirm reserves the right, at its sole discretion, to suspend the provision ofall services, including services provided that are covered by separate terms ofengagement. Where services are suspended all obligations attached to our firmunder all terms of engagement are also suspended and no liability is acceptedfor consequential losses, late filing penalties, interest or other charges. c)All fee notes/invoice shall be deemed conclusive of the sums due and payable toyou under them and may not be challenged other than in writing within 10 daysof your receiving the disputed fee note concerned. d)Where you are unable to pay the invoice on the due date, we haveauthority/right to refer your case to debt collectors or legal team; you willbe responsible to pay service charges, administration fee, debt collector’s fee( a minimum of 20% to 50% of the outstanding amount, could increase, depends onthe age & value of the debt/invoice) and any other legal fee that mayincur. In the event of non-payment of our fees for services rendered, we mayexercise a particular right of lien over the books and records in ourpossession and withhold the documents until such time as payment of our fees isreceived in full. e)Our fee is calculated as per the as per the accounting year of the company (forlimited companies). Say your company is setup in January and your year end isin December, and we have agreed a fee of £500 plus VAT. The fee will cover theperiod from January to December. Ifyou join us during the year, the fee for the previous months will be charged.E.g, if you are a contractor/business and your accounting year runs fromJanuary to December, Say, you joined us in the beginning of July and we haveagreed a fee of £100 per month, it means your yearly fee will be £1200 a year (from January to December)..Where either you will pay us six months in advancefrom January to June, or we will charge you £200 from July to December to coverthe previous 6 months fee. And from the next January you will start paying 100every month. Whenyou join during the year, or after the year, we have to do all the previousaccounts & tax returns hence the above is applicable. If you are acontractor and lose your contract during the year, our fee will still becharged as we have to do the accounts for the whole year. Where you decide notto pay because of lack of funds, we may freeze the services and invoice you onpay as you go basis as per our fee schedule; therefore it is yourresponsibility to confirm with us about pay as you go fee as it may be morethan the contractor’s fee agreed in advance. f)For one-off tasks, you will be requested to pay 100% in advance. But in somecased where the amount/fee is higher than £5,000, we will request 50% inadvance to start the work and 50% before filing/submission. We do have theright to hold the submission where the fee is not paid in full and will take noresponsibility for the late filing penalties. Where the one-off task involvesundertaking work for the company or business accounting period gone, we reservethe right to charge for the full amount upfront. So, for example, if you joinus in June 2018 and the company accounts are made up to end of May 2018, wewould charge for the whole year up front.’ if you are in your first year with us and leavepart way through, our firm reserves the right to charge for the remainder ofthe full year’s fees’. This applies to both one-off tasks and our monthly fixedfee packages.g)Regarding our fee, the direct debit has to be set up on the following linkwithin 7 days of signing this agreement. Where direct debit is not set up bythe client in 7days, I authorise Our firm to arrange a direct debit in placeusing my bank detail anytime and has right to collect the outstanding paymentfrom my business/personal bank account ,credit or debit card information ourfirm hold without notifying to me/client.  7.3We enter into a trusting relationship. The director/business owner instructs usknowing their ability to meet our fees. If the Company/business is unable topay our fees incurred from time to time for whatever reason, thedirectors/business owner personally accepts the liability for our charges. Itis the responsibility of the director/business owner who is signing thisagreement, to inform a new director (where the company is sold, transferred tosome family members, etc.) about this clause that the new director/businessowner will be personally liable for our fee. Moreover, Directors/business owner(existing, new) will be personally liable for any debt they owe to our firm inany case, even where the company/business is liquidated or has been struck off.We have full right to take legal action against the director/businesspersonally, for the outstanding fee. 7.4Should you leave during the year; you will be charged £150.00 plus VAT per hourfor all the services carried out during our engagement including the initialmeetings. This is usually applicable to those who do not pay on a monthlybasis. 7.5This Letter of engagement will be renewed automatically every year unless it isrequested by the client. Should you want to leave Our firm for some reason,kindly inform us 28 days before leaving in writing; The entire outstandinginvoice must be clear before you leave. 7.6)Our fee is usually based on the turnover & work involved. We /our systemwill provide you a quotation based on your requirement and the information thatyou have supplied to us. If your turnover goes up during the year, or you donot provide us information in the same format as agreed at the beginning, itmeans you will fall into a different band. Therefore, we will send you aninvoice for the additional turnover & work involved. e.g, If you say yourturnover is £10K a year, and you will provide us information on a software, itis implied we will quote you as per the information supplied. If the year end,your turnover is more than £50K or information is not supplied on a software,we do have right to charge you according to our fee schedule. Therefore, it isyour responsibility to supply us the correct information at the beginning toget an exact quote, and to inform us during the year where your circumstancesare changed. Ifyou need any additional services (besides what you are agreeing/signing) duringthe year, the same terms will automatically be applied to you and we may notask you to sign a new agreement to save time. 8. RETENTION OF AND ACCESS TO RECORDS 8.1During the course of our work we will collect information from you and othersacting on your behalf and will return any original documents to you followingthe preparation of your accounts. 8.2All Original documents will be returned to you, or must be collected within 3months of us completing your accounts. Original documents left at our premisesafter this time are archived at your cost £2 per box per week. Sending uscopies or electronic versions is cheaper, safer and quicker. Faxes, emails,scan documents are all acceptable.8.3 Whilst certain documents may legally belong to you, we intend to destroycorrespondence and other papers that we store which are more than seven yearsold, other than documents which we consider to be of continuing significance.If you require retention of any document you must notify us of that fact inwriting. 9. QUALITY CONTROL &CONFIDENTIALITY 9.1To ensure a rapid response and cost effective service to you, we, on occasions,employ sub-contractors, who may work from home because of child mindingrequirements, or disability issues. They are appropriately qualified andprovide a valuable resource to the firm. 9.2All our staff and sub-contractors are professional and appropriately qualified.They are under a confidentiality agreement. 9.3As part of our ongoing commitment to provide a quality service, our files areperiodically subject to an independent quality review. Our reviewers are highlyexperienced and professional people and are, of course, bound by the samerequirements of confidentiality as our principals and staff. 10. HELP US TO GIVE YOU THE RIGHTSERVICE 10.1If at any time you would like to discuss with us how our service to you couldbe improved, or if you are dissatisfied with the service you are receiving,please let us know, by calling us. 10.2We undertake to look into any complaint carefully and promptly and to do all wecan to explain the position to you. If you feel that we have given you a lessthan satisfactory service,we undertake to do everything reasonable to addressyour concerns. 11. ELECTRONIC COMMUNICATION 11.1Internet communications are capable of data corruption and therefore we do notaccept any responsibility for changes made to such communications after theirdespatch. It may therefore be inappropriate to rely on advice contained in ane-mail without obtaining written confirmation of it. We do not acceptresponsibility for any errors or problems that may arise through the use ofinternet communication and all risks connected with sending commerciallysensitive information relating to your business are borne by you. If you do notagree to accept this risk, you should notify us in writing that e-mail is notan acceptable means of communication. 11.2If correspondence is requested in paper format, the disbursement charge of £50per year is payable to cover the handling and postage of the correspondence. 11.3It is the responsibility of the recipient to carry out a virus check on anyattachments received. 11.4It is your responsibility to update us where you change your contact details,such as telephone number, home address, an email address or any other contactdetails. We will not take any responsibility where you have not updated us withany change of your personal details. 12. CONTRACTS (RIGHTS OF THIRD PARTIES)ACT 1999 12.1Persons who are not party to this agreement shall have no rights under theContracts (Rights of Third Parties) Act 1999 to enforce any term of thisagreement. This clause does not affect any right or remedy of any person whichexists or is available otherwise than pursuant to that Act. 13. LIMITATION OF LIABILITY 13.1We will provide our professional services with reasonable care and skill.However, we will not be held responsible for any losses arising from the supplyby you or others of incorrect or incomplete information, or your or others’failure to supply any appropriate information or your failure to act on ouradvice or respond promptly to communications from us or other relevantauthorities. 14. LATE FILING PENALTIES 14.1There are a number of penalties for late filing of returns, etc. To ensure thatwe are able to meet these deadlines on your behalf, we must identify wheninformation has to be submitted to our offices. We list below the most commonrequirements. ItemDue to Authorities Due to us ·        Accounts Up to 9 months from Year end(Tax) 12 weeks from period end·        VAT Returns By end of month followingrelevant 10 Days after end of period·        SA Tax Returns By 31st October (Paperfiling only) by 30th June after Year end·        PAYE Returns By 19th May By 1st May·        Monthly Payroll By 5th of every monthby 27-28th of same month. Wewill not be held responsible for any penalties arising where the information isnot with us by the due date. If you are in any doubt, you should contact us tocheck. Further, you are requested to reply to our queries by return of post(within 3 working days). This is essential where we are close to the deadline(within 30 days). Weneed at least 28 working days to complete the accounts, 14 working Days tocomplete the VAT returns, 4 working days to do the payroll & 21 workingdays to do the personal tax returns, otherwise, an additional fee will beapplicable. Where you need any of them on an urgent basis, we may charge anadditional fee for the extra time and effort we put in. 14.2We send reminders most of the times before anything is due, therefore you maybe getting emails and phone calls to ensure you don’t miss any deadline. Ityour responsibility to allow us to provide us the requested information ontime, we will not be responsible for any penalties especially where informationis not provided on time from your end. 14.3We get busy time to time; therefore, it is your responsibility to allow us aminimum time to perform the tasks as given below unless we have agreedsomething different in writing with you. ·        Personal Tax Return: at least 21working days·        Year End Accounts: at least 28working days·        Payroll & PAYE: 48 Hours·        VAT Returns: at least 14 working days Wehave right to charge you an extra fee, where the above timescale is not given(despite of several reminders) to complete the tasks. A minimum additional feefrom £100 for the personal tax return, VAT from £50, Accounts from £150,Payroll from £15 will be applicable. However, be in no doubt that we willalways do our utmost to ensure that you are not subjected to penalties. Theadditional fee will still be applicable if the information is provided late andwork is carried out after the deadline date because the information was sentlate to us. Ifyou have provided us with information to complete the accounts, You will becharged for the work carried out by OUR FIRM. 14.4) ANTI MONEY LAUNDERING LEGISLATION Allaccountants must comply with onerous duties imposed by the Proceeds of CrimeAct 2002, the Terrorism Act 2000 and the Money Laundering Regulations 2007 (theAnti Money Laundering Legislation), which are intended to inhibit theactivities of terrorists and other criminals by denying them access totechnical expertise. If we fail to perform these duties, we risk imprisonment. Beforewe accept your instructions, we may need to obtain ‘satisfactory evidence’ toconfirm your identity. In certain circumstances, we may need to obtain evidenceconfirming the identities of third parties, the source of any funds or otherproperty, the purpose of any instructions or any other matter. We may also needto obtain such evidence after we have begun to act on your instructions, we maydo this by electronic means. Weassume that our clients are honest and law abiding. However, if at any time,there appear to be grounds to suspect (even if we do not actually suspect) thatyour instructions relate to ‘criminal property’, we are obliged to make areport to the Serious Organised Crime agency (SOCA), but we are prohibited fromtelling you that we have done so. Insome such circumstances, we must not act on your instructions without consentfrom SOCA. If SOCA does not refuse consent within seven working days we maycontinue to act. If SOCA issues a refusal within that time, we must not act fora further 31 days from the date of the refusal. ‘Criminalproperty’ is property in any legal form, whether money, real property, rightsor any benefit derived from criminal activity. It does not matter who carriedout the criminal activity or how removed the property is from the originalcrime. Even if you are honest in your dealings, if your property represents abenefit from someone else’s crime, we must still make a report. Activity isconsidered ‘criminal’ if it is a crime under UK law, no matter how trivial, andwhether carried out in the UK or abroad. For example, tax evasion is a criminaloffence but an honest mistake is not. 15. CLIENT MONIES 15.1 We choose not to hold client monies, but, Wemay, from time to time, hold money on your behalf. Such money will be held intrust in a client bank account, which is segregated from the firm’s funds. Ifthere are grounds to suspect (even if we do not actually suspect) that anymonies held in a client account is derived directly or indirectly from anycriminal activity whatsoever, we may not release such monies until we receivepermission to do so from SOCA. BUSINESS E-MAIL DISCLAIMER. Thisemail and any attachments to it may be confidential and are intended solely forthe use of the individual to whom it is addressed. Any views or opinionsexpressed are solely those of the author and do not necessarily represent thoseof Our firm. If you are not the intended recipient of this email, you mustneither take any action based upon its contents, nor copy or show it to anyone.Please contact the sender if you believe you have received this email in error. DATA PROTECTION: Ourfirm is registered with the Information Commissioner’s Office. Sections 11 and12 of the Data Protection Act 1998 place express obligations on you as a dataController where we as a data processor undertake the processing of personaldata on your behalf. We therefore confirm that we will at all times comply withthe requirements of the Data Protection Act 1998 when processing data on yourbehalf. In particular, we confirm that we have adequate security measures inplace and that we will comply with any obligations equivalent to those placedon you as a data controller. WEBSITE DISCLAIMER. Theinformation contained in this website is for general information purposes only.The information is provided by our firm and while we endeavour to keep theinformation up to date and correct, we make no representations or warranties ofany kind, express or implied, about the completeness, accuracy, reliability,suitability or availability with respect to the website or the information,products, services, or related graphics contained on the website for anypurpose. Any reliance you place on such information is therefore strictly atyour own risk.In no event will we be liable for any loss or damage including withoutlimitation, indirect or consequential loss or damage, or any loss or damagewhatsoever arising from loss of data or profits arise out of, or in connectionwith, the use of this website.Through this website you are able to link to other websites which are not underthe control of OUR FIRM – .-. We have no control over the nature, content andavailability of those sites. The inclusion of any links does not necessarilyimply a recommendation or endorse the views expressed within them. Every effortis made to keep the website up and running smoothly. However, our firm takes noresponsibility for, and will not be liable for, the website being temporarilyunavailable due to technical issues beyond our control. PRIVACY POLICY NOTICE: Thispage contains the information gathering and use policies adopted by our firm inconnection with this web site. These policies are subject to periodic reviewand any changes will be included within this section of the site.Ourfirm is not responsible for the privacy policies of third party sites to whichlinks are provided. You should check the privacy policies on these sites beforeproviding any personal information. COLLECTION OF INFORMATION IPaddresses of visitors are logged for administration purposes. The IP addressindicates the location of your computer on the Internet. This information maybe aggregated to provide statistical information about the users of our site.No individual user will be identifiable from such information, which is used toensure our web site reflects the needs of users. IP addresses are not used totrack your session and are not linked to anything personally identifiable. It will normally be clear when personal information is being collected.Personalinformation is generally collected for the following purposes:• So we can deliver requested materials or information• If you book to attend an event• If you submit an online form.• If you apply to work for our firm• If you register for access to a secure area of our site used to exchangeinformation between usTheinformation required is necessary to enable our firm to deal with your enquiry,but additional information may be requested to help us to provide the mostappropriate response. If such additional information is requested, it ishighlighted and its provision is voluntary. Sensitiveinformation is not sought through the web site except where legally required aspart of the recruitment process. Sensitive information includes data relatingto: race or ethnic origin; political opinions; religious or other similarbeliefs; trade union membership; physical or mental health; sexual life orcriminal record. Where you do provide sensitive information this will beaccepted as explicit consent to our firm to use that information in connectionwith the purpose for which it has been provided. COOKIES Weand, our partners use cookies to monitor user activity on our website, providesome services and to gather data which helps us to understand how our usersinteract with the site. If you would like us not to use cookies, please turncookies off through your browser settings. If you accept our cookies, pleasenote that they will remain in your computer for 60 days unless you delete them.Please be aware that turning off cookies may limit your use of our website. Useof InformationTheinformation is used only for the specific purpose for which it was providedexcept where you explicitly select to receive other information from our firm.  When requesting material or asking someone tocontact you, you may have the option to request other information that may beof interest. You can opt out of receiving information from our firm or requestthat your personal details are deleted from our systems at any time bye-mailing us. ACCURACY OF INFORMATION We assumeresponsibility for keeping an accurate record of personal data once you havesubmitted the information, but not for confirming the on-going accuracy of yourpersonal information. If you advise that your personal data is no longeraccurate, it will be amended (where practical).  PROVISION OF INFORMATION TOTHIRD PARTY  Informationis normally only provided to a third party if it is required to deal with yourenquiry, but there may be other circumstances where, we are required to provideinformation as a result of legal process. We do not undertake marketingactivities for third parties, nor does it provide information to third partiesfor their own marketing purposes. But we may time to time introduce products orservices to our client who we think are of your benefits. RETENTION OF INFORMATION Theinformation is kept for as long as is necessary to fulfil your request or dealwith your job application. Where you have consented to additional informationbeing provided by us, your details will be retained for a reasonable period oftime. SECURITY OF INFORMATION Thedata controller collecting the information described in this statement is ourfirm, generally accepted standards of technology and operational security havebeen implemented to protect personal information from loss, misuse, alterationor destruction. All our firm personnel are required to keep personalinformation confidential and only authorised persons have access to suchinformation.  OTHER TERMS AND CONDITIONS FORWEBSITE USAGE. Ifyou continue to browse and use this website, you are agreeing to comply withand be bound by the following terms and conditions of use, which together withour privacy policy govern OUR FIRM – .’ relationship with you in relation tothis website. If you disagree with any part of these terms and conditions,please do not use our website. The use of this website is subject to thefollowing terms of use: • The content of the pages of this website is for your generalinformation and use only. It is subject to change without notice.• This website uses cookies to monitor browsing preferences. If you do allowcookies to be used, the following personal information may be stored by us foruse by third parties.• Neither we nor any third parties provide any warranty or guarantee as to theaccuracy, timeliness, performance, completeness or suitability of theinformation and materials found or offered on this website for any particularpurpose. You acknowledge that such information and materials may containinaccuracies or errors and we expressly exclude liability for any suchinaccuracies or errors to the fullest extent permitted by law.• Your use of any information or materials on this website is entirely at yourown risk, for which we shall not be liable. It shall be your own responsibilityto ensure that any products, services or information available through thiswebsite meet your specific requirements.• This website contains material which is owned by or licensed to us. Thismaterial includes, but is not limited to, the design, layout, look, appearanceand graphics. Reproduction is prohibited other than in accordance with thecopyright notice, which forms part of these terms and conditions.• All trade marks reproduced in this website which are not the property of, orlicensed to, the operator are acknowledged on the website.• Unauthorised use of this website may give rise to a claim for damages and/orbe a criminal offence.• From time to time this website may also include links to other websites.These links are provided for your convenience to provide further information.They do not signify that we endorse the website(s). We have no responsibilityfor the content of the linked website(s).• Your use of this website and any dispute arising out of such use of the websiteis subject to the laws of England, Northern Ireland, Scotland and Wales. General Data ProtectionRegulation (GDPR)Followingfrom recent changes to the legislation affecting our practice and ways how dataof our clients is accessed, we have ensured that we are up to date and complywith the legislation in the best interest of our clients & staff. All staffhas been given training on the legislation and how this impacts the way we doour business and handle client information. With the GDPR coming intoeffect from 25th of May 2018 we would likeyou to know your rights and our procedures. We have summarised this to make itsimple for your understanding, should you require further assistance pleasecontact us. Theright to be informed; Allour clients have the right to obtain ·        Confirmation that their data is beingprocessed·        Access to their personal data Theright to rectification; ·        All our clients have right to havetheir personal data rectified, therefore if you believe or in future come intoknowledge that the data we hold needs rectification please contact yourbusiness manager who will assist you about the process. Theright to erasure; ·        All our clients have the right toadvise us to delete their data from our system (both electronically orelectronic forms). However, the only exception is of the compellingcircumstance where we are required by law to keep the data for certain period,if you require further details for this please contact your business managerwho can assist you. Theright to restrict processing; ·        All our clients have right torestrict us processing their data, our clients can contact their businessmanager to give their instructions. Theright to object; Ourclients have right to object- 1.     Data processing2.     Direct Marketing3.     Processing for other purposes DATASECURITY: Wehave robust security measures to make sure your data is secure. All electronicdata is kept on secure servers, and all devices have adequate keys to beaccessed by the relevant people only. All hard paper documents are kept locked. SECURITYBREACH: Incase of breach of security, we have procedures in place to report this to datacontrollers. Ourprivacy policy is simple ·        We do not share any personalinformation we collect on you with any other organisations or individuals. ·        We keep all information you provideto us completely confidential, no matter how or why you provide it.  ·        Only those employees and contractorswe specifically employ with relevant business duties may access personal information,and only to perform their duties. They are strictly prohibited from any otheruse. ·        No personal information will beprovided to any third party, except for in the unusual event that we arerequired to do so by law  ·        By using any of the forms on ourwebsite, you implicitly agree to be bound by our privacy policy and legaldisclaimer. ·        By using any of the forms on ourwebsite you agree to have your email address added to our mailing list.  ·        You may receive periodic mailingsfrom us with information on services or news. If you do not wish to receivesuch mailings, please let us know by contacting us. All emails sent will giveyou the option to unsubscribe. ·        We take all reasonable precautions toprotect any personal data that our users may input via this website. We cannot,however, be responsible for loss or misuse of personal data which isintercepted or otherwise accessed by unauthorised persons. We therefore excludeall liability for this.  ·        We are committed to complying with EUand U.K. data protection laws to the extent that they apply to our use ofpersonal information. ·        You have the right to ask us for acopy of your personal data and have the right to amend or delete the data.  Yourright to know ·        You can find contact details for ourcompany representative on our contact us page.·        By filling in the newsletter sign-upform on our website, you are giving us your consent to use your personal datafor periodic mailings.·        You may receive periodic mailingsfrom us with information on services or news. If you do not wish to receivesuch mailings, please let us know by contacting us. All emails we send to youwill give you the option to unsubscribe.·        We will retain your data until youinstruct us to remove it or decide to unsubscribe from our newsletter.·        Your personal data might be accessedby web developers and other contractors providing us with newsletterfunctionality.·        It is possible that your data mightbe accessed outside of the EU by a team of ours, who are based in Asia. Thesafeguards we are using are a contract between us and the receiving companythat include the EU model data protection clauses.·        Your personal data will be storeduntil you tell us otherwise.·        In case you would like to exerciseany of your GDPR related rights (the right to access, rectification, erasure,restriction of processing and right to data portability) please contact us viaemail or contact us form that can be found on Contact us page.·        You have the right to lodge acomplaint with the supervisory authority.·        It is not contractually binding toprovide us with your personal data to receive a newsletter from us.·        Personal data provided via thenewsletter subscription form is not profiled and automated decision making isnot applied·        We will not use personal dataprovided via the sign-up form for any other purpose than described above. Cookiesand tracking Inorder to improve the overall experience of visiting our website, we use aserver-based log to collect anonymous information about our website visitors.This data is only used to generate statistical charts and will not be used inany other way. Useof Cookies on our website Byusing this site, you have given us consent to use cookies.Cookiesare small text files that are stored on your computer when you visit a website.They are mainly used as a way of improving the website functionalities or toprovide more advanced statistical data. GoogleAnalytics Ourwebsite uses Google Analytics which relies on cookies to generate more advancedvisitor charts and data mining reports. Similarly to our server-based logs,Google Analytics collects anonymous information that will not be used toidentify our website visitors. Loginsystem Our websitecontains password protected area(s) that require a user to login. This loginsystem offers to remember the user email address if the relevant box is ticked.Ticking the box will create a cookie that will automatically expire after 1year or if the box is un-ticked on a subsequent visit. ControllingCookies Yourweb browser (the software you use to access our website) should allow you tocontrol the cookies that it stores on your computer. Please refer to therelevant supplier’s website to find out more. If you feel that this site is notfollowing its stated information policy, you may contact us by phone, email orpost. Changesto this policy We will post any changes to this policy on ourwebsite. Those changes will then apply to any future use by you of our website.