Last updated: May 2026
These Terms of Service (“Terms”) apply to all services provided by Flexible Finance Solutions (“FFS”, “we”, “us”, “our”) to the Client (“you”, “your”).
By engaging FFS, you agree to these Terms alongside any Engagement Letter and Statement of Work (SOW) issued.
1. Scope of Services
Flexible Finance Solutions provides:
• Financial Foundations support
• Operational finance support
• Fractional CFO and advisory services
• Statutory accounts preparation
• Corporation Tax return preparation and filing
• VAT process and return support
• Making Tax Digital (MTD) readiness and support
• Self Assessment support for sole traders
• Project-based finance support
FFS does not provide:
• Statutory audit services
• Legal advice
• Insolvency services
• Regulated investment advice
• Complex or specialist tax planning
Where required, we may collaborate with appropriately qualified third-party advisers.
No work outside the agreed scope will be performed unless confirmed in writing and may be subject to additional fees.
2. Onboarding & Setup
Where required, an initial onboarding and setup phase will be undertaken to establish appropriate financial systems, structures and processes.
This may include:
• Accounting system setup or review (e.g. Xero)
• Chart of accounts design
• Process design and guidance
• Client training and support
This work may be:
• charged separately as a one-off fee, or
• included within an engagement subject to a minimum commitment period
Where a minimum term applies, early termination may result in the remaining fees becoming payable.
3. Advisory Services
Any advisory, insight or recommendations provided by FFS are based on the information available at the time and are intended to support decision-making.
All decisions remain the responsibility of the Client.
FFS does not guarantee outcomes, financial performance or business results as a result of advice provided.
4. Compliance Services
Where FFS provides statutory accounts, VAT or Corporation Tax services:
• These are prepared based on information provided by the Client
• FFS does not audit or independently verify the information
• Responsibility for accuracy and completeness remains with the Client
• Submission of filings will only be made with Client approval
FFS is not responsible for:
• Errors in underlying data
• Penalties arising from incomplete or late information
• Changes in tax legislation or interpretation
5. Client Responsibilities
The Client agrees to:
• Provide complete, accurate and timely financial records and information
• Maintain appropriate accounting records and systems
• Review and approve all reports and filings prior to submission
• Respond promptly to requests for information
• Retain responsibility for compliance with legal and tax obligations
FFS shall not be responsible for delays or errors arising from incomplete, inaccurate or late information provided by the Client.
6. Reasonable Use
Where services include ongoing support or access, this is provided on a reasonable use basis.
Reasonable use includes:
• Routine queries and clarifications
• Scheduled calls and agreed interactions
It does not include:
• Extensive analysis
• Repeated revisions
• Urgent or out-of-scope work
Such work may be charged separately.
7. Fees and Payment
Fees will be agreed in writing and may include:
• Monthly retainers
• Project-based fees
• One-off setup or compliance fees
Invoices are payable within [14 days] unless otherwise agreed.
FFS reserves the right to:
• Suspend services for non-payment
• Charge interest on overdue invoices in accordance with UK legislation
8. Client Delays
FFS shall not be responsible for delays in delivery, reporting or statutory filings arising from late, incomplete or inaccurate information provided by the Client.
9. Confidentiality
All information provided by the Client will be treated as confidential and will not be disclosed to third parties except:
• Where required by law
• To comply with regulatory or AML obligations
• Where authorised by the Client
10. Data Protection
FFS processes personal data in accordance with applicable data protection laws, including the UK GDPR.
11. Anti-Money Laundering (AML)
Flexible Finance Solutions is supervised by the Chartered Institute of Management Accountants (CIMA) for anti-money laundering purposes.
We are required to carry out identity verification and due diligence procedures in accordance with UK AML legislation.
• Verifying the identity of directors and beneficial owners
• Obtaining proof of address and supporting documentation
• Understanding the nature of the business relationship
We reserve the right to:
• Delay services until AML checks are completed
• Refuse or terminate services where requirements are not met
• Report suspicions to the relevant authorities where required by law (without notifying the Client)
12. Third-Party Systems
FFS may recommend or support the use of third-party systems (e.g. accounting software).
We are not responsible for:
• Their performance or availability
• Data security or system errors
• Changes made by third-party providers
13. Limitation of Liability
To the fullest extent permitted by law:
• FFS’s total liability shall not exceed £1,000,000, being the level of our professional indemnity insurance cover
• FFS shall not be liable for indirect or consequential losses, including loss of profit, business or opportunity
Nothing in these Terms shall limit liability for fraud or any liability that cannot be excluded by law.
14. Professional Status
Flexible Finance Solutions is operated by a member of the Chartered Institute of Management Accountants (CIMA) acting in practice.
We comply with applicable professional and ethical standards, including requirements relating to integrity, objectivity and professional competence.
15. Record Retention
FFS will retain working papers in accordance with professional and legal requirements.
The Client remains responsible for retaining original accounting records and statutory documentation.
16. Termination
Either party may terminate services in writing in accordance with the agreed notice period.
Upon termination:
• All outstanding fees become payable
• Work completed up to termination will be invoiced
• Ongoing obligations relating to confidentiality and liability remain in effect
17. Governing Law
These Terms are governed by the laws of England and Wales.