Gifted Accountants and Business Advisors
Effective from: 15 September 2026
Last reviewed: 15 September 2026
These Terms of Business apply to services provided by Gifted Accountants and Business Advisors ('Gifted Accountants', 'we', 'us' or 'our').
They should be read alongside your engagement letter, proposal, Privacy Notice and any service-specific terms.
Your engagement letter will confirm the services and fees agreed with you and will take priority where it specifically differs from these general Terms.
Depending on your engagement, we may provide:
Self Assessment and tax services;
bookkeeping and accounting;
statutory and management accounts;
VAT and payroll;
Making Tax Digital support;
business advisory services;
Virtual CFO and finance-function support;
budgeting, forecasting and cash-flow support; and
related professional services.
We are responsible only for services specifically agreed with you. Additional work may result in additional fees.
You must provide complete, accurate and timely information required for us to perform our work.
You remain responsible for reviewing and approving accounts, returns and other documents prepared for submission on your behalf.
You should tell us promptly about any significant changes to your financial, tax or business circumstances.
You must provide information early enough for us to meet relevant deadlines.
If information is supplied late, is incomplete or requires significant correction, we cannot guarantee that filing or payment deadlines will be met.
Where we submit documents to HMRC, Companies House or another authority, we may require your approval before submission.
Appointment as your agent does not transfer your underlying legal responsibilities to us.
We will provide our services with reasonable care and skill based on the information available to us and the law applying at the time.
Unless specifically agreed, our work does not constitute an audit and we are not required to independently verify every transaction or identify every error or fraud.
Tax savings, HMRC decisions, finance approvals, forecasts and business outcomes cannot be guaranteed.
Our services do not constitute regulated investment or legal advice unless expressly agreed and legally permitted.
Our fees may be fixed, monthly, annual, hourly or project based and will normally be confirmed in your engagement letter, proposal or invoice.
Additional fees may apply where:
additional work is requested;
the scope changes;
records require substantial correction; or
unexpected complexity arises.
Invoices must be paid by the agreed due date.
Where appropriate and legally permitted, we may charge interest and recovery costs on overdue business debts.
We may suspend or terminate services where fees remain materially overdue after reasonable notice.
We may be required by law to carry out identity, beneficial ownership, sanctions and other anti-money laundering checks.
This may include requesting information about:
identity and address;
ownership;
business activities;
source of funds; or
source of wealth.
We may refuse, suspend or terminate services if required information is not provided.
Where required by law, information may be disclosed to HMRC, the National Crime Agency or another competent authority. In some circumstances, the law may prevent us from telling you that a disclosure has been made.
We will keep your information confidential except where disclosure is:
necessary to provide our services;
authorised by you;
required by law; or
necessary to protect our legitimate legal or professional interests.
We may use suitable employees, contractors, outsourced accountants, specialists and technology providers to assist with our services.
Some personnel or providers may operate outside the UK.
Where appropriate, access will be controlled through confidentiality obligations, permissions, security measures and data-protection safeguards.
Our use of personal information is explained further in our Privacy Notice and Data Protection Statement.
We may communicate with you by:
email;
telephone;
secure client portal;
video call;
electronic signature;
WhatsApp; or
another agreed method.
You are responsible for keeping portal passwords and authentication details secure.
We may independently verify unusual instructions, particularly changes involving bank details, payments or authorised persons.
Sensitive documents should preferably be exchanged through our secure client portal where one is provided.
You remain responsible for retaining records that you are legally required to keep.
Our internal working papers, calculations, procedures and templates remain our property unless otherwise agreed.
Unless we expressly agree otherwise in writing, we do not hold money on your behalf other than payments made for our own fees.
Any client-money service will be subject to separate written terms and applicable legal and safeguarding requirements.
We are responsible for losses directly caused by our failure to exercise reasonable care and skill, subject to applicable law and any reasonable limitation agreed in your engagement letter.
Nothing in these Terms limits liability where it would be unlawful to do so.
We will not normally be responsible for losses caused by inaccurate or incomplete information supplied to us, unreasonable delays by the client, or failure to follow agreed advice.
Our work is prepared for the client named in the engagement and should not normally be relied upon by another person without our written agreement.
Either party may end an engagement by giving reasonable written notice, subject to any specific notice period agreed in the engagement letter.
We may suspend or terminate services sooner where there is:
serious non-payment;
failure to provide necessary information;
loss of trust or cooperation;
a conflict of interest;
AML or sanctions concerns; or
another legal or professional reason preventing us from continuing.
Fees for work properly completed before termination remain payable.
If you are dissatisfied with our service, please contact:
Gifted Accountants and Business Advisors
Website: giftedaccountants.com
Email: info@giftedaccountants.com
Alternative email: hello@giftedaccountants.com
We will investigate complaints fairly and seek to resolve them promptly.
These Terms are generally governed by the laws of England and Wales. Nothing in these Terms removes any statutory consumer rights that cannot legally be excluded.
We may update these Terms from time to time to reflect changes in law, regulation, technology or our services.
Document: Terms of Business
Business: Gifted Accountants and Business Advisors
Business structure: Sole trader
Version: 1.0
Effective date: 15 September 2026
Status: Current
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