Terms of Business

About us

These Terms of Business apply to services provided by Financials Direct Limited, trading as AccountantPro.

Financials Direct Limited is an English limited liability company incorporated under the Companies Act 2006.

Financials Direct Limited is registered to carry on accounting work in the UK and Ireland and is regulated for a range of business activities by the Institute of Financial Accountants.

These terms should be read together with any engagement letter, proposal, quote, schedule of services or written agreement issued to you. If there is a conflict, the signed engagement letter will take priority.

Scope of services and engagement

We may provide Self Assessment tax returns, company accounts, Corporation Tax returns, bookkeeping, VAT returns, payroll support, landlord tax returns, Capital Gains Tax calculations, HMRC correspondence, disclosures and tax advisory work.

The exact scope of work will be confirmed in writing. We are not responsible for work outside the agreed scope.

We only begin acting for you once we have accepted you as a client and issued an engagement letter or written confirmation of scope.

Client identification and AML checks

We are required to carry out anti-money laundering and client verification checks.

• You may need to provide photographic ID and proof of address.
• Companies may need to provide company, ownership and control information.
• We may request source of funds or source of wealth information where relevant.
• We may refuse to act, pause work or terminate an engagement if satisfactory checks are not completed.

Your responsibilities

You are responsible for providing complete, accurate and timely information.

You must tell us about all relevant income, gains, assets, liabilities, tax years, HMRC letters, deadlines and changes in circumstances.

You remain responsible for the accuracy and completeness of returns, accounts, declarations and information submitted to HMRC, Companies House or any other authority.

If records are late, incomplete or unclear, we may not be able to meet a deadline. Additional fees may apply for urgent work, messy records, extra correspondence or rework.

Fees and payment

Fees will be agreed in writing before work starts where possible.

• Fees may be fixed, hourly, staged, upfront or additional depending on the service.
• Unless stated otherwise, fees are exclusive of VAT.
• VAT will be charged where applicable.
• Invoices are payable on receipt unless agreed otherwise.
• Work may be paused if invoices are unpaid.
• Upfront payments may be required before work starts.

Online quote calculators provide estimates only and are subject to final scope confirmation.

Advice, website content and calculators

General comments, emails, website content, phone conversations or calculator results are not formal written advice unless we expressly state that they are.

Formal written advice must be scoped and agreed separately.

Any online quote calculator provides an estimate only. It is not a fixed fee or binding offer. A final fee depends on records, scope, tax years, urgency, HMRC risk and complexity.

Confidentiality and communication

We will keep your information confidential unless disclosure is required by law, regulation, professional duty, HMRC authority, Companies House process, court order, AML obligation or your consent.

We may communicate by email, phone, video call, secure upload portal, electronic signature system or other digital methods.

You should not send passwords, full ID documents or highly sensitive information through unsecured public forms.

Liability, delays and ending the engagement

Our liability will be limited to the extent permitted by law and as set out in the engagement letter.

We are not responsible for delays caused by HMRC, Companies House, banks, software providers, clients, third parties or missing records.

Either party may end the engagement by giving written notice, subject to the engagement letter. Fees remain payable for work completed, time spent, advice given, administration carried out or costs incurred before termination.

These Terms of Business are governed by the laws of England and Wales unless otherwise agreed in writing.