1. The Agreement
These Terms & Conditions form the agreement between you (the "Client") and Garnvale Ltd ("we", "us", "our") operated by Andreea Solcoci, based in Rugby, Warwickshire, United Kingdom.
By signing up to one of our plans or instructing us to perform any service, you agree to these terms. A separate engagement letter will set out the specific services we will provide for you and supplements these terms.
2. Our Services
We provide the following services depending on your chosen plan:
- Bookkeeping and bank reconciliation
- VAT registration, returns and Making Tax Digital compliance
- CIS monthly returns and subcontractor verification
- Self Assessment tax returns
- Year-end statutory accounts and Corporation Tax
- Payroll and pension auto-enrolment
- Management accounts and KPI reporting
- Credit control and cash flow forecasting
- Xero setup, migration and ongoing support
- Business advisory services
The exact scope of services for your engagement will be set out in your engagement letter.
3. Fees & Payment
Fixed monthly fees
All plans are charged at a fixed monthly fee plus VAT, as published on our Services page. Fees are reviewed annually and any changes will be notified in writing at least 30 days in advance.
Payment
Payment is taken by Direct Debit on the 1st of each month for the current month's services. Set-up fees and one-off services are invoiced separately and payable within 14 days.
Late payment
We reserve the right to suspend services if payment is overdue by more than 14 days. Interest may be charged on overdue amounts under the Late Payment of Commercial Debts (Interest) Act 1998.
4. Your Responsibilities
To allow us to deliver our services effectively, you agree to:
- Provide accurate, complete and timely information about your business and finances
- Cooperate with our requests for documentation, identification (AML/KYC) and clarification
- Notify us promptly of any material changes to your business or circumstances
- Authorise us to act as your HMRC agent and Companies House filer where applicable
- Pay all fees due on time
- Comply with all applicable laws including UK tax law
You remain ultimately responsible for the accuracy of information you provide and for the financial decisions of your business.
5. Our Responsibilities
We commit to:
- Provide our services with reasonable skill, care and diligence
- Meet agreed deadlines provided you have given us the information required in good time
- Maintain the confidentiality of your information
- Hold appropriate Professional Indemnity Insurance
- Maintain ICO registration and comply with UK GDPR
- Comply with Anti-Money Laundering regulations and professional standards
- Communicate clearly and respond to enquiries within the timeframes published for your plan
6. Confidentiality
All client information is treated as strictly confidential and is only shared with third parties where:
- You have given express authorisation (e.g. to communicate with HMRC, your bank, or other advisors)
- We are legally required to (e.g. court order, AML obligations)
- It is necessary for the delivery of our services (e.g. accounting software providers under data processing agreements)
See our Privacy Policy for full details on data handling.
7. Limitation of Liability
Our liability is limited to the total fees paid by you in the 12 months preceding any claim, except where liability cannot legally be excluded (e.g. fraud, personal injury caused by negligence).
We are not liable for:
- Losses resulting from inaccurate or incomplete information you provided
- HMRC penalties or interest where you have delayed providing information past agreed deadlines
- Indirect, consequential, or loss-of-business damages
- Acts or omissions of third parties (e.g. software providers, HMRC system outages)
We hold Professional Indemnity Insurance appropriate to the work we undertake.
8. Termination
Either party may terminate this agreement by giving 30 days' written notice. No long-term contract or lock-in applies.
On termination:
- Fees are payable up to the end of the notice period
- We will return or transfer your records to you or your incoming accountant within 14 days of the end of notice
- We will provide reasonable handover assistance, charged at our standard hourly rate
We reserve the right to terminate immediately in cases of non-payment, illegal activity, or material breach of these terms.
9. Complaints
If you are unhappy with any aspect of our service, please first contact us directly at hello@garnvale.co.uk. We will acknowledge your complaint within 5 working days and aim to resolve it within 30 days.
If we cannot resolve your complaint to your satisfaction, you may have rights of recourse depending on the nature of the issue. Information about external dispute resolution will be provided on request.
10. General
Governing law
This agreement is governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the English courts.
Severability
If any clause of these terms is found to be unenforceable, the remaining clauses continue in full force.
Updates
We may update these terms from time to time. Existing clients will be notified by email at least 30 days before changes take effect.
Contact
Questions about these terms? Email hello@garnvale.co.uk or write to us at Garnvale Ltd, Rugby, Warwickshire, United Kingdom.