1About us & these terms

M&B Tax Services Ltd is registered in England & Wales, company number 09421033, registered office Eastlands Court Business Centre, St Peters Road, Rugby, Warwickshire, CV21 3QP. We are regulated by the Institute of Certified Bookkeepers (ICB) and are a registered HMRC agent. These terms, together with any engagement letter or written quote we issue, form the contract between us. Where an engagement letter conflicts with these terms, the engagement letter takes precedence. By instructing us, paying an invoice, or using our online services, you accept these terms.

2Our services

We provide accountancy and related services including payroll, CIS, bookkeeping and VAT, business accounts and tax, virtual office, and company formation. The exact scope of work is set out in your engagement letter or the service you purchase online. Anything not expressly listed is outside the scope of our engagement. We are happy to quote separately for additional work. We do not provide legal advice, regulated financial advice, investment advice, or audit services. Where you need these, we will suggest you seek a suitably qualified professional.

3Starting work together

Before we can act for you we must complete identity and anti-money-laundering (AML) checks. We will ask for photo ID and proof of address. We cannot begin work until these are satisfactorily completed. Where you are switching from another accountant, we will write to them for professional clearance and request your records. We are not responsible for delays caused by a previous adviser. For online services, the contract begins when we confirm your order by email after payment.

4Your responsibilities

The accuracy of our work depends entirely on the information you give us. You agree to:

• Provide complete, accurate and timely records, information and documents.
• Respond to our requests promptly, particularly close to filing deadlines.
• Tell us about anything that could affect your tax position — new income, property sales, changes in circumstances.
• Review and approve returns, accounts and payroll before we submit them.
• Keep your own statutory records as required by law.
• Pay HMRC, Companies House and pension providers by the due dates we advise.

5Our responsibilities

We will:

• Act with reasonable care, skill and diligence, to ICB professional standards.
• Keep your information confidential, except where disclosure is required by law.
• Deal with HMRC and Companies House on your behalf as your appointed agent.
• Explain our advice in plain English and respond to enquiries within one working day.
• Tell you promptly if we identify an error, or if we are unable to complete work on time.

We rely on the information you supply and are not obliged to audit or independently verify it, unless expressly engaged to do so.

6Fees & payment

Fees are quoted in writing before work begins and are fixed for the agreed scope. Our current indicative prices for one-off services are:

Service	Fee
Self Assessment / sole trader registration	£60
Limited company registration	£120 + £100 Companies House fee
VAT registration	£70
PAYE registration	£60
Confirmation statement	£90
CIS registration (contractor or subcontractor)	£70 each
Identity verification	£75
Consultation	£50 per half hour

Ongoing services — payroll, bookkeeping, year-end accounts — are billed monthly or annually as set out in your engagement letter.

Payment terms

• One-off services are payable in advance, online via Stripe.
• Monthly retainers are collected by standing order or direct debit on the agreed date.
• Invoices for ad-hoc work are due within 14 days of issue.
• Third-party disbursements (Companies House fees, for example) are included in the quoted price where stated.

We reserve the right to charge statutory interest on overdue amounts under the Late Payment of Commercial Debts (Interest) Act 1998, and to suspend work on any overdue account after written notice. Fees may be reviewed annually. We will give at least 30 days’ written notice of any increase to an ongoing service.

7Cancellation & refunds

• Consumers — 14-day right to cancel

  If you are a consumer buying online, you have 14 days from the date of purchase to cancel and receive a refund, under the Consumer Contracts Regulations 2013. However, if you ask us to begin work immediately and we do so, you lose the right to cancel once the service is fully performed. Where work has begun but is not complete, we may deduct a fair amount for work already carried out.

  Non-refundable items

  Statutory fees already paid to third parties on your behalf — such as the £100 Companies House incorporation fee — cannot be refunded once submitted.

  Consultations

  Consultation bookings may be rescheduled or cancelled free of charge with 24 hours’ notice. Cancellations inside 24 hours, or non-attendance, are charged in full.

  Ongoing services

  Monthly services run on a rolling basis with 30 days’ notice on either side. There is no minimum term and no exit fee. On termination we will provide your records and cooperate with your new adviser.

8Limitation of liability

We maintain professional indemnity insurance as required by our regulator. Our total liability to you for any claim arising from our services is limited to the greater of £50,000 or three times the fees paid by you in the twelve months preceding the claim, except where liability cannot lawfully be limited. Nothing in these terms limits or excludes our liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded under UK law. We are not liable for:

• Penalties, interest or losses arising from information supplied late, incomplete or inaccurately.
• Losses caused by your failure to act on our advice.
• Errors or delays caused by HMRC, Companies House or other third parties.
• Indirect or consequential loss, including loss of profit, business or goodwill.
• Changes in tax law or HMRC practice after our advice was given.

9Confidentiality & data protection

We treat all client information as confidential and will not disclose it without your consent, except where required by law or our professional obligations. We process personal data in accordance with UK GDPR and the Data Protection Act 2018. Full details are in our Privacy Policy

10Intellectual property & records

Documents we prepare for you become yours once our fees are paid. Our own working papers, templates, systems and methodologies remain our property. We retain records for the periods set out in our Privacy Policy, after which they are securely destroyed. You should keep your own copies of anything you may need long-term. We may exercise a lien over your records — that is, retain them — where fees remain unpaid, to the extent permitted by law.

11Complaints

If you are unhappy with any aspect of our service, please tell us. Email mbtaxoffice@gmail.com marked “Complaint”, or phone 07429 166 407. We will acknowledge within 3 working days and give a full response within 21 days. If we cannot resolve matters, you may refer the complaint to the Institute of Certified Bookkeepers, our regulator.

12General

Force majeure

We are not liable for delays or failures caused by events beyond our reasonable control, including HMRC system outages, natural disasters or public health emergencies.

Assignment

You may not transfer your rights under these terms without our written consent. We may transfer ours to a successor practice, on notice to you.

Third parties

Our advice is for your use only. We accept no responsibility to any third party who relies on it, unless we have agreed in writing.

Changes to these terms

We may update these terms from time to time. Material changes affecting ongoing clients will be notified by email with at least 30 days’ notice.

Severability

If any provision is found unenforceable, the remainder continues in full force.

Governing law

These terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction.

12Contact us

• Email: mbtaxoffice@gmail.com
• Phone: 07429 166 407
• Post: M&B Tax Services Ltd, Eastlands Court Business Centre, St Peters Road, Rugby CV21 3QP

  See also our Privacy Policy, or get in touch if anything here needs clarifying.