Terms of Service

1. Introduction

These Terms of Service (“Terms”) govern the provision of professional services by Chapel & Stone Ltd (“we”, “us”, “our”) to clients (“you”, “your”). By engaging our services, you agree to be bound by these Terms. If you do not agree, you should not use our services.

• Company details: Chapel & Stone Ltd, registered in England and Wales.
• Scope: These Terms apply to all professional services, including accounting, advisory, IT consulting, and risk management.
• Engagement: Services commence upon execution of an engagement letter or written confirmation of scope and fees.

Engagement Letter

Our professional relationship with each client is formalised through an engagement letter or written agreement. This document sets out the scope of services, responsibilities of both parties, fees, and timelines. By signing or otherwise accepting the engagement, you confirm your understanding of the services to be provided and agree to comply with these Terms of Service. Each engagement is specific to the agreed services and does not extend to other matters unless expressly confirmed in writing.

Compliance with the Money Laundering Regulations 2017

Chapel & Stone Ltd is committed to full compliance with the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017. As part of this obligation:

• We are required to undertake client due diligence (CDD), including verifying identity and beneficial ownership.
• We may request documentation such as passports, utility bills, company incorporation records, or other evidence to satisfy regulatory requirements.
• We have a duty to monitor transactions and report suspicious activity to the relevant authorities.
• We cannot proceed with services until satisfactory checks are completed.

By engaging our services, you agree to provide all necessary information and documentation to enable us to meet these legal obligations.

Compliance with the Bribery Act 2010

Chapel & Stone Ltd maintains a zero‑tolerance policy towards bribery and corruption in accordance with the UK Bribery Act 2010.

• We prohibit offering, giving, requesting, or accepting any bribe or improper advantage in connection with our services.
• All employees, contractors, and clients are expected to act with integrity and transparency.
• Any breach of this policy may result in termination of services and reporting to the appropriate authorities.

By entering into an engagement with us, you confirm that you will not engage in any activity that could contravene the Bribery Act 2010 and will cooperate with us in maintaining ethical business practices.

2. Services Provided

We deliver professional services in the following areas:

• Accounting & Finance: Payroll, Bookkeeping, Business Advisory, Tax Advisory & Filing.
• Technology & Data: IT Consulting, Data Management, Systems Integration.
• Risk & Compliance: Risk Management and related advisory.

Each engagement will specify the scope, deliverables, timelines, and fees.

3. Client Responsibilities

To enable us to provide services effectively, you agree to:

• Provide complete, accurate, and timely information and documentation.
• Ensure compliance with applicable laws and regulations.
• Cooperate with our staff and respond promptly to requests.
• Maintain responsibility for decisions made based on our advice.

Failure to provide necessary information may delay or impair service delivery.

4. Fees and Payment

• Fees: As set out in the engagement letter or proposal. May be hourly, fixed, or project‑based.
• Invoices: Issued according to agreed billing cycles.
• Payment terms: Payment due within 30 days of invoice unless otherwise agreed.
• Late payment: We reserve the right to charge interest and suspend services until payment is received.

5. Confidentiality and Data Protection

• Confidentiality: We will keep client information confidential and use it only for the purpose of providing services.
• Data protection: Personal data is processed in accordance with applicable data protection laws (including GDPR).
• Third‑party providers: Where we use third‑party software or services, their terms may also apply.

6. Professional Standards

We perform services in accordance with applicable professional standards, ethical codes, and regulatory requirements.

• Accounting standards: Services comply with UK accounting and tax regulations.
• IT & risk services: Delivered in line with industry best practices and relevant compliance frameworks.

7. Limitation of Liability

• Basis of advice: Our advice is based on information provided by you. We are not responsible for errors arising from incomplete or inaccurate information.
• Exclusions: We are not liable for indirect, incidental, or consequential losses, including loss of profits or data.
• Cap on liability: Our liability is limited to the amount of fees paid for the specific engagement, except where liability cannot be excluded by law.
• No exclusion: Nothing in these Terms excludes liability for death, personal injury caused by negligence, fraud, or other liabilities that cannot be excluded under law.

8. Termination

• By client: You may terminate services by written notice, subject to payment for work completed.
• By firm: We may terminate services for non‑payment, breach of obligations, or where continuing would breach professional standards.
• Effect: Upon termination, obligations accrued prior to termination remain enforceable.

9. Changes to Terms

We may update these Terms from time to time. Updated versions will be published on our website with a revised effective date.

10. Governing Law and Dispute Resolution

• Law: These Terms are governed by the laws of England and Wales.
• Jurisdiction: Courts of England and Wales have exclusive jurisdiction, subject to mandatory consumer protections.
• Dispute resolution: Parties will attempt to resolve disputes amicably before resorting to litigation.

11. Contact

For questions, complaints, or engagement matters, please contact:
Chapel & Stone Ltd
Email: info@chapestoneltd.co.uk
Registered office: Baird House, Liverpool Innovation Park, L7 9NJ.