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Terms & Conditions

Last updated: August 2026

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Welcome to C&V Accounting Limited.

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     These Terms & Conditions explain the basis on which C&V Accounting Limited provides accounting, taxation, bookkeeping, payroll, business advisory and related professional services.

By instructing us to provide services, accepting an engagement, making payment for our services or continuing to use our services, you agree to these Terms & Conditions together with any applicable Engagement Letter, Proposal, Service Agreement, Privacy Policy and Refund & Cancellation Policy.

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     1. About C&V Accounting Limited

C&V Accounting Limited is a UK accountancy practice providing accounting, taxation, bookkeeping, payroll and business support services to individuals, sole traders, partnerships and limited companies.

Our services may be provided remotely, electronically, by telephone, video consultation or in person where agreed.

We operate in accordance with applicable UK legislation and our relevant professional and regulatory obligations.

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     2. Our Services

Depending on your individual engagement, our services may include:

  • Limited Company Accounts

  • Corporation Tax Returns

  • Self Assessment Tax Returns

  • VAT Returns

  • Making Tax Digital support

  • Bookkeeping

  • Payroll and PAYE

  • Construction Industry Scheme (CIS) Returns

  • Management Accounts

  • Tax Planning

  • Cash Flow Support

  • Business Advisory Services

  • Company Secretarial Support

  • Companies House Filings

  • HMRC Registrations

  • Accounting Software Support

  • Business Finance Application Support

  • General Accounting and Tax Advice

The exact services we are responsible for providing will normally be confirmed in writing, through an Engagement Letter, proposal, invoice, email or other written agreement.

Services not specifically included within your agreed package may be subject to additional fees.

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     3. Engagement

Our professional relationship with you will normally commence when we have accepted your instruction and, where applicable:

  • Completed our client identification and verification procedures;

  • Completed required Anti-Money Laundering checks;

  • Received your signed or accepted Engagement Letter;

  • Received the information required to begin work; and

  • Received any payment or deposit required.

We reserve the right to refuse an engagement where we are unable to satisfy our legal, regulatory or professional obligations.

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     4. Client Responsibilities

You are responsible for providing us with complete, accurate and timely information necessary for us to perform our services.

This includes, where applicable:

  • Bank statements;

  • Sales invoices;

  • Purchase invoices and receipts;

  • Payroll information;

  • Employment information;

  • VAT records;

  • CIS records;

  • Loan and finance information;

  • Previous accounts and tax returns;

  • HMRC correspondence;

  • Companies House correspondence; and

  • Any other information relevant to your accounting or tax affairs.

You must inform us promptly if any information previously supplied becomes incorrect or circumstances change.

We are entitled to rely upon information and documentation provided by you unless we have reason to believe that it may be incorrect.

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     5. Accuracy of Information

C&V Accounting Limited is not responsible for errors, penalties, interest, additional tax liabilities or other losses arising from inaccurate, incomplete, misleading or late information supplied by the client or a third party acting on the client's behalf.

You remain responsible for ensuring that the underlying information and records provided to us are correct.

Where we identify inconsistencies or require additional information, we may suspend work until satisfactory clarification or documentation is received.

6. Approval of Accounts and Tax Returns

Where we prepare accounts, tax returns, VAT returns or other submissions, you are responsible for reviewing and approving the information before submission where approval is required.

We will not normally submit documents to HMRC, Companies House or another authority without appropriate authorisation from the client.

Your approval confirms that, to the best of your knowledge, the information contained within the submission is complete and accurate.

The ultimate responsibility for the accuracy of information submitted remains with the taxpayer, company director or relevant responsible person as required by law.

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     7. Filing Deadlines

We will make reasonable efforts to complete and submit work within applicable deadlines where we have been engaged to do so.

However, this depends on you providing all necessary records and information sufficiently in advance of the deadline.

We cannot accept responsibility for penalties, interest or other consequences caused by:

  • Late provision of records;

  • Missing documentation;

  • Failure to respond to our requests;

  • Incorrect information supplied by the client;

  • Failure to approve a return or filing on time;

  • HMRC or Companies House system failures;

  • Third-party software failures; or

  • Circumstances reasonably outside our control.

Clients should therefore provide requested information as early as possible.

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     8. HMRC and Companies House

Where authorised, we may communicate with HM Revenue & Customs (HMRC) and/or Companies House on your behalf.

Appointment as your accountant or agent does not transfer your legal responsibilities to us.

Company directors remain responsible for fulfilling their statutory duties, including ensuring that company accounts, confirmation statements and other required information are filed correctly and on time.

Taxpayers remain responsible for their own tax affairs and liabilities.

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     9. Tax Advice

Tax legislation is complex and may change.

Any tax advice we provide will be based on:

  • The information available to us;

  • Our understanding of your circumstances;

  • Legislation and guidance applicable at the relevant time; and

  • Our professional interpretation of those requirements.

Advice provided for a particular situation should not automatically be applied to another situation without obtaining further advice.

We cannot guarantee that HMRC will agree with a particular interpretation, calculation, claim or tax treatment.

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     10. Tax Estimates and Liabilities

Where we provide an estimate of tax, VAT, Corporation Tax or another liability, it should be treated as an estimate until the relevant calculations and records have been finalised.

The client remains responsible for paying all taxes and other liabilities due to HMRC or another authority.

Unless specifically agreed otherwise, C&V Accounting Limited does not make tax payments on behalf of clients.

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     11. Bookkeeping

Where we provide bookkeeping services, our work will be based on the records and information supplied by you.

You remain responsible for ensuring that all business transactions are disclosed to us and that appropriate supporting documentation is retained.

We may use accounting software and electronic systems to process your records.

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     12. VAT Services

Where we are engaged to prepare VAT Returns, you are responsible for providing complete VAT records within the requested timeframe.

You must inform us of any unusual transactions that could affect your VAT position.

Where required, VAT Returns may be submitted using Making Tax Digital compatible software.

The client remains responsible for paying VAT liabilities directly to HMRC by the applicable deadline.

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     13. Payroll Services

Where we provide payroll services, you must provide accurate payroll information within the agreed timeframe.

This includes:

  • Employee details;

  • Hours worked;

  • Salaries and wages;

  • Bonuses;

  • Overtime;

  • Deductions;

  • New starters;

  • Leavers;

  • Sickness;

  • Maternity or parental leave; and

  • Other information affecting payroll.

C&V Accounting Limited will not be responsible for incorrect payroll calculations resulting from inaccurate or late information supplied to us.

Employers remain responsible for ensuring employees are paid correctly and that sufficient funds are available to meet PAYE, National Insurance, pension and other obligations.

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     14. CIS Services

Where we provide Construction Industry Scheme services, you are responsible for providing accurate subcontractor and payment information.

You remain responsible for ensuring that subcontractors are correctly identified and that relevant information is provided to us before submission deadlines.

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     15. Accounting Software

We may use or recommend third-party accounting, payroll, bookkeeping or document management software.

Where third-party software is used, its own terms, conditions and privacy policies may apply.

We cannot guarantee uninterrupted availability of third-party platforms and are not responsible for outages or technical problems outside our reasonable control.

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     16. Fees and Payment

Our fees will normally be communicated before or during the engagement and may be charged:

  • Monthly;

  • Annually;

  • Per service;

  • At a fixed fee;

  • Hourly; or

  • Under another agreed arrangement.

Invoices must be paid by the due date stated on the invoice.

Where an invoice remains unpaid, we reserve the right to suspend services until payment has been received.

Suspension due to non-payment may affect filing deadlines, and we cannot accept responsibility for penalties resulting from a client's failure to pay fees required for us to continue the agreed work.

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     17. Additional Work

Our agreed fee covers only the services specifically included within your engagement.

Additional work may be charged separately.

Examples may include:

  • HMRC investigations or enquiries;

  • Historic bookkeeping;

  • Corrections to previous accounting records;

  • Amended tax returns;

  • Additional payroll runs;

  • Complex tax advice;

  • Business restructuring;

  • Company formations or closures;

  • Finance applications;

  • Urgent or expedited work; and

  • Work arising from incomplete or inaccurate records.

Where practical, we will communicate additional charges before substantial additional work is undertaken.

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     18. Monthly Service Packages

Where services are provided under a monthly package, monthly payments may represent the spreading of annual professional fees over an agreed period.

Cancellation of a monthly payment does not necessarily mean that no further amount is payable.

Where an engagement ends part-way through an accounting period, we may calculate the value of work completed against amounts already paid.

Any outstanding balance for work already completed will remain payable.

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     19. Refunds and Cancellations

Refunds and cancellations are handled in accordance with our Refund & Cancellation Policy and any specific terms contained within your Engagement Letter.

Generally, where professional work has already commenced, we reserve the right to deduct the reasonable value of work completed and costs incurred before calculating any refund.

Completed professional services are normally non-refundable except where required by law or where we determine that a refund is appropriate.

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     20. Business Finance and Funding Support

Where we assist clients with loans, finance, grants or other funding applications, our role is generally limited to preparing, reviewing or presenting financial information and assisting with the application process.

We cannot guarantee:

  • Approval;

  • The amount offered;

  • Interest rates;

  • Repayment terms;

  • Credit decisions; or

  • The time required for a lender to make a decision.

The final lending decision remains entirely with the lender or finance provider.

Professional fees relating to work already completed are not automatically refundable because an application is declined.

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     21. Anti-Money Laundering

As an accountancy service provider, we are required to comply with applicable UK Anti-Money Laundering legislation and regulations.

We may therefore require clients, directors, beneficial owners and other relevant persons to provide identification and verification information.

This may include:

  • Proof of identity;

  • Proof of address;

  • Company information;

  • Ownership information;

  • Source of funds information; and

  • Other documentation reasonably required for compliance purposes.

We may use electronic identity verification services where appropriate.

We reserve the right to refuse, suspend or terminate an engagement if required information is not provided or if we are unable to satisfy our legal obligations.

In certain circumstances, legislation may prevent us from explaining why particular actions have been taken.

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     22. Confidentiality

We will keep information obtained during our professional relationship confidential, subject to our legal, regulatory and professional obligations.

We will not normally disclose confidential information to third parties without your consent unless:

  • Required by law;

  • Required by a regulator or competent authority;

  • Necessary to provide an agreed service;

  • Necessary for professional or legal advice;

  • Necessary to protect our legitimate interests; or

  • Otherwise permitted under applicable law.

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      23. Data Protection

We process personal information in accordance with applicable UK data protection legislation, including the UK GDPR and Data Protection Act 2018.

Further information about how we collect, use, retain and protect personal information is available in our Privacy Policy.

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     24. Electronic Communication

We may communicate with clients through email, telephone, messaging applications, video conferencing, client portals and other electronic methods.

While we take reasonable precautions, electronic communication cannot be guaranteed to be completely secure or error-free.

Clients should notify us immediately if they believe an email, message, invoice or payment instruction claiming to be from C&V Accounting Limited may be fraudulent.

Where bank details are changed, clients are encouraged to verify the change directly with us before making payment.

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     25. Professional Advice and Decisions

We provide accounting and business advice based on the information available to us.

The client remains responsible for making their own commercial and financial decisions.

Unless specifically agreed in writing, our services do not constitute legal, investment, regulated financial, mortgage or insurance advice.

Where specialist advice is required, we may recommend that you consult an appropriately qualified professional.

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     26. Limitation of Liability

We will provide our services with reasonable skill and care.

To the extent permitted by law, C&V Accounting Limited will not be responsible for indirect or consequential losses arising from the provision of our services.

We will not be responsible for losses resulting from:

  • Inaccurate or incomplete information supplied by the client;

  • Failure to follow our advice;

  • Late provision of records;

  • Decisions made without consulting us;

  • Changes in legislation after advice was provided;

  • Actions or decisions taken by HMRC, Companies House, lenders or other third parties; or

  • Events outside our reasonable control.

Nothing in these Terms & Conditions excludes or restricts liability where it would be unlawful to do so.

Any specific limitation of liability agreed in your Engagement Letter will apply to that engagement.

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     27. Complaints

We aim to provide a professional and high-quality service.

If you are dissatisfied with any aspect of our service, please contact us as soon as possible and explain your concerns.

We will investigate complaints fairly and aim to resolve them promptly.

Where applicable, details of our formal complaints procedure and any relevant escalation options can be provided upon request.

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     28. Ending Our Engagement

Either party may terminate the professional relationship in accordance with the terms of the applicable Engagement Letter or other agreement.

We may immediately suspend or terminate services where appropriate, including where:

  • Fees remain unpaid;

  • Required information is repeatedly withheld;

  • Information provided appears materially inaccurate or misleading;

  • We identify a conflict of interest;

  • We have legal or regulatory concerns;

  • There are Anti-Money Laundering concerns;

  • The client requests that we act unlawfully or improperly;

  • There is abusive or threatening behaviour; or

  • Continuing to act would breach our professional or legal obligations.

Fees for work completed up to the termination date remain payable.

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     29. Transfer to Another Accountant

If you decide to appoint another accountant, we will cooperate with a legitimate professional clearance request, subject to applicable legal and professional requirements.

Before transferring records or information, we may require appropriate authority from you.

Certain rights may apply regarding unpaid fees, subject to applicable law and professional requirements.

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     30. Intellectual Property

Documents, templates, calculations, methodologies, reports and other materials developed by C&V Accounting Limited remain our intellectual property unless otherwise agreed.

Clients may use final documents prepared specifically for them for their intended business, accounting and taxation purposes.

Our templates or proprietary materials must not be reproduced, resold or distributed commercially without written permission.

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     31. Website Information

Information provided on our website is intended for general information only.

It should not be treated as personalised accounting or tax advice.

Tax and accounting treatment depends on individual circumstances, and professional advice should be obtained before making important financial or tax decisions.

We make reasonable efforts to keep website information accurate but cannot guarantee that every page will always reflect the latest legislation, HMRC guidance or regulatory changes.

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     32. External Links

Our website may contain links to third-party websites or services.

These links are provided for convenience and information only.

C&V Accounting Limited is not responsible for the content, security, availability or privacy practices of third-party websites.

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     33. Changes to These Terms

We may update these Terms & Conditions from time to time to reflect changes in:

  • Our services;

  • Legislation;

  • Tax rules;

  • Regulatory requirements;

  • Technology; or

  • Our business practices.

The latest version will be published on our website together with the date it was last updated.

Material changes affecting an existing engagement may also be communicated directly to the client where appropriate.

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     34. Severability

If any part of these Terms & Conditions is found to be invalid or unenforceable, the remaining provisions will continue to apply.

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     35. Governing Law

These Terms & Conditions are governed by the laws of England and Wales.

Any dispute arising in connection with these Terms & Conditions or our services will be subject to the jurisdiction of the courts of England and Wales, except where applicable consumer law provides otherwise.

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     36. Contact Us

If you have questions about these Terms & Conditions or our services, please contact:

C&V Accounting Limited

Email: info@cvaccounting.co.uk

Website: www.cvaccounting.co.uk

You can contact our team using the contact information provided on our website.

C&V Accounting Limited

Professional accounting. Clear communication. Practical support for your business.

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