Terms and Conditions of Business

Effective Date: 25 September 2025

These Terms and Conditions of Business govern all services provided by Trusted Advisor (“we”, “us”, “our”) to our clients (“you”, “your”). By engaging our services, you agree to these terms.

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1. Basis of engagement

1.1 These terms form the entire agreement between you and Trusted Advisor, unless otherwise agreed in writing.
1.2 Any variations must be confirmed in writing and signed by both parties.
1.3 English law governs these terms and both parties submit to the exclusive jurisdiction of the courts of England and Wales.

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2. Our services

2.1 We provide business and personal support services as described on our website or in written agreements.
2.2 Services will be provided with reasonable care, skill, and in good faith, based on the information you provide.
2.3 We are not regulated by the Financial Conduct Authority (FCA). Any financial guidance offered is non-regulated and for general support purposes only. You remain responsible for obtaining regulated financial or legal advice where necessary.

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3. Fees and payment

3.1 All fees are agreed in advance and must be paid upfront by bank transfer or card before work begins.
3.2 Retainers require a minimum 3-month commitment and are billed monthly in advance.
3.3 Time spent beyond the agreed scope will be billed at the applicable hourly rate and agreed with you beforehand.
3.4 Late payments may result in suspension of services until payment is received. Interest may be charged on overdue amounts at 4% above the Bank of England base rate.

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4. Client responsibilities

4.1 You agree to provide complete, accurate, and timely information required for us to deliver services.
4.2 You are responsible for ensuring that any decisions or actions taken as a result of our support are suitable for your circumstances.
4.3 You remain responsible for compliance with all applicable laws, regulations, and obligations relevant to your affairs.

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5. Confidentiality

5.1 We treat all information you provide as confidential.
5.2 Confidential information will not be shared with third parties unless required by law or with your express consent.
5.3 We may use anonymised information for internal training or quality purposes, but never in a way that identifies you.

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6. Liability

6.1 We will not be liable for any loss, damage, or costs arising from reliance on incomplete, inaccurate, or delayed information provided by you.
6.2 Our total liability to you for any claim, whether in contract, tort, or otherwise, will not exceed the fees paid for the specific work giving rise to the claim.
6.3 We are not liable for any indirect or consequential losses.

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7. Termination

7.1 Either party may terminate this agreement with written notice.
7.2 Fees for work already agreed or commenced remain payable in full.
7.3 Retainer agreements require a 30-day notice period after the initial 3-month commitment.

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8. Data protection

8.1 We comply with UK GDPR and the Data Protection Act 2018.
8.2 For details on how we collect, store, and use personal data, please see our Privacy Policy.

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9. Force majeure

9.1 We are not liable for any failure or delay in performance caused by events outside our reasonable control (e.g. natural disasters, strikes, technical failures).

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10. Governing law

10.1 These terms are governed by and construed in accordance with the laws of England and Wales.
10.2 Both parties submit to the exclusive jurisdiction of the English courts.

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Contact details

For any questions regarding these Terms and Conditions of Business, please contact:

Trusted Advisor
Email: daniel@trusted-advisor.uk
Phone: 07846 517 979