Terms and Conditions

‍Last updated: May 2026

Please read these Terms and Conditions (“Terms”) carefully before using the Moneywize website or engaging with the services and facilities made available through it.

These Terms govern access to and use of this website, including its pages, information, resources, forms, calculators, portals, links and other online facilities (together, the “Website”).

The Website is operated by Moneywize Accountants & Tax Advisors (“Moneywize”, “we”, “us” or “our”).

By accessing or using our Website, you agree to these Terms. If you do not agree with them, you should not use the Website.

These Terms should be read together with our Privacy Policy and Cookie Policy, where applicable.

1. About Moneywize

Moneywize is a UK accountancy and tax advisory practice providing accounting, taxation, payroll, bookkeeping, company secretarial, business advisory and related professional services.

Our Website provides general information about Moneywize, our services and accounting, taxation and business matters.

2. Use of This Website

You may use this Website for lawful personal or business purposes.

You must not:

• use the Website for unlawful or fraudulent purposes;
• attempt to gain unauthorised access to our systems or databases;
• interfere with the operation or security of the Website;
• introduce viruses, malware or other harmful material;
• submit false, inaccurate or misleading information;
• copy or commercially exploit Website content without permission; or
• use the Website in any way that may damage Moneywize, our systems or other users.

We may restrict or suspend access where we reasonably believe these Terms have been breached.

3. Information on Our Website

We take reasonable care to ensure that information published on our Website is accurate and up to date.

However, accounting, taxation and company law are complex and frequently change. We therefore cannot guarantee that all Website information will always be complete, accurate or current.

Content may be updated, amended or withdrawn without notice.

4. No Professional Advice

Information on this Website is provided for general information purposes only.

Nothing on the Website should be treated as accounting, tax, legal, financial, investment or other professional advice relating to your individual circumstances.

Articles, tax guides, examples, calculators, frequently asked questions, videos and other content are intended as general guidance only.

You should obtain appropriate professional advice before taking, or refraining from taking, action based upon Website information.

5. Tax Information

Any tax rates, allowances, thresholds, deadlines or examples appearing on the Website are based upon information available when the relevant content was prepared.

Tax legislation, HMRC guidance, government policy and case law may subsequently change.

We do not guarantee that historic Website content will be retrospectively updated whenever tax rules, legislation or HMRC practice change.

6. Calculators, Estimates and Illustrations

Where our Website contains calculators, estimates or illustrations, the results are indicative only.

They may rely upon assumptions and may not take account of all matters relevant to your circumstances.

A calculation produced through our Website does not constitute professional advice or confirmation of your actual tax liability, refund entitlement, eligibility or financial position.

7. Requesting Our Services

Submitting an enquiry, completing an online form, requesting a quotation or arranging a consultation does not by itself create an accountant-client relationship.

Before accepting an instruction, we may require appropriate onboarding procedures, identity verification, anti-money laundering checks and supporting documentation.

Where we formally accept an engagement, the professional services provided will be governed by the applicable engagement documentation and agreed terms.

8. Fees

Our fees are calculated having regard to the time spent on your affairs, the level of professional skill and responsibility involved, the complexity and urgency of the work, and the importance and value of the services provided.

Where reasonably practicable, we will agree the basis of our fees before commencing an assignment. Fees quoted are exclusive of VAT, disbursements and third-party costs unless expressly stated otherwise.

Where work becomes more complex, urgent or extensive than originally anticipated, or where additional services are requested, additional fees may apply.

Examples of additional work may include:

• HMRC enquiries, investigations or compliance checks;
• historic accounting or tax corrections;
• reconstruction of incomplete records;
• additional bookkeeping;
• Companies House matters;
• complex tax advisory work;
• voluntary disclosures;
• appeals and disputes with HMRC; and
• work falling outside the originally agreed scope.

Third-party professional fees, including solicitors, barristers, insolvency practitioners, valuers and specialist consultants, are not included in our fees unless expressly agreed.

Our fees may be invoiced at appropriate stages as work progresses. Unless otherwise agreed, invoices are payable within the period stated on the invoice or applicable service agreement.

For recurring services, we may require payment by Direct Debit, standing order or another recurring payment method.

We reserve the right to charge interest on overdue amounts where legally permitted, including under the Late Payment of Commercial Debts (Interest) Act 1998 where applicable.

Where an undisputed invoice remains materially overdue, we may suspend or terminate services, subject to our professional obligations.

If you dispute an invoice, you should notify us in writing within twenty working days of the invoice date. Any undisputed amount remains payable in accordance with the agreed payment terms.

Where we provide an estimate, it is based upon the information available at the time and is not binding unless expressly confirmed as a fixed fee in writing.

Fixed fees apply only to the agreed scope of work. Additional or unforeseen work may be separately chargeable.

Ongoing fees may be reviewed periodically to reflect changes in scope, complexity, staffing, regulatory requirements, software costs and operating costs.

Where requested, we may provide our standard hourly charging rates. Work requested outside normal office hours or requiring significant urgency may be charged at an enhanced rate.

Time-based charges may include time spent preparing accounts or tax returns, reviewing records, drafting correspondence, attending meetings, communicating with you or third parties, and dealing with HMRC, Companies House or other authorities.

If our engagement ends, you remain responsible for all fees and expenses relating to work undertaken up to the termination date.

Any work outside the agreed scope will be separately chargeable and a quotation or estimate can be provided upon request.

9. Quotations and Prices

Prices, fees or promotional offers displayed on the Website are provided for general information unless expressly stated otherwise.

The final fee for professional services may depend upon:

• complexity;
• volume and quality of records;
• urgency;
• the client's circumstances;
• advisory requirements; and
• the scope of services requested.

Website pricing and promotional offers may be amended or withdrawn from time to time.

10. Dealing with HMRC and Other Authorities

Where we have been properly authorised to act as your agent, Moneywize may communicate with HM Revenue & Customs (HMRC), Companies House and other relevant government departments or authorities on your behalf within the scope of the services agreed with you.

Our authority to act does not remove your own legal responsibilities as a taxpayer, company director, employer or business owner.

You remain responsible for:

• providing complete, accurate and timely information;
• reviewing and approving tax returns, accounts, claims and other submissions where required;
• informing us promptly of correspondence received directly from HMRC or another authority;
• notifying us of changes in your circumstances which may affect your tax position;
• responding promptly to requests for information;
• paying tax, National Insurance, VAT, PAYE, Corporation Tax and other liabilities by the applicable deadlines; and
• complying with your statutory obligations.

We will prepare submissions and correspondence using the information made available to us. We are entitled to rely upon information supplied by you unless there is reason to believe it may be incorrect or incomplete.

We cannot guarantee that HMRC or another authority will accept a return, claim, tax treatment, repayment request, appeal or other submission. HMRC and other authorities may request further information, amend a tax calculation, challenge a position, delay processing, open an enquiry or investigation, or reach a different interpretation of the applicable legislation.

We are not responsible for delays caused by HMRC, Companies House or another government authority which are outside our reasonable control.

Where HMRC opens an enquiry, compliance check or investigation, or where substantial additional correspondence, calculations, appeals, disclosures or representations become necessary, this work will not automatically form part of your normal accounting or tax return service unless expressly included within the agreed scope.

Such additional work may be separately chargeable, and where appropriate we will discuss the scope and fees with you before undertaking substantial additional work.

Where we become aware of an error or omission in information previously submitted to HMRC or another authority, we will discuss with you the appropriate action required. We will not knowingly submit or continue to support information which we believe to be false, inaccurate or misleading.

11. Online Accounts and Client Portals

Certain areas of our Website or connected services may require registration or access to a secure client portal.

You are responsible for:

• providing accurate information;
• keeping login details secure;
• preventing unauthorised access; and
• notifying us promptly if you suspect a security breach.

You must not knowingly allow unauthorised persons to use your account.

We may suspend access where necessary for security, compliance, maintenance or protection of our systems.

12. Document Uploads

Where documents can be uploaded through the Website or a connected portal, you are responsible for ensuring that:

• you have authority to provide the information;
• documents are complete and accurate;
• files do not contain malicious software; and
• sensitive information is submitted using the appropriate secure facility.

Uploading a document does not necessarily mean that it has been reviewed or actioned by Moneywize.

Where a statutory deadline applies, information should be supplied sufficiently in advance to allow reasonable time for the work to be completed.

13. Electronic Communication

You may communicate with Moneywize electronically through email, client portals, online forms and other approved communication systems.

Electronic communications involve inherent risks, including interception, delay, corruption and unauthorised access.

We take reasonable precautions to protect our systems but cannot guarantee that every electronic communication will be completely secure.

You are responsible for maintaining appropriate security over your own devices, email accounts and passwords.

14. Data Protection and Privacy

Moneywize takes the privacy and security of personal information seriously.

Personal data collected through this Website will be processed in accordance with applicable UK data protection legislation, including the UK GDPR and Data Protection Act 2018.

Further information is available in our Privacy Policy.

15. Cookies

Our Website may use cookies and similar technologies to:

• enable Website functionality;
• improve user experience;
• understand Website usage; and
• support marketing activities where appropriate.

Further details are available in our Cookie Policy or cookie management facility.

16. Intellectual Property

Unless otherwise stated, the content of this Website is owned by or licensed to Moneywize.

This includes:

• text and articles;
• tax guides;
• graphics and images;
• videos;
• logos and branding;
• calculators;
• templates; and
• downloadable resources.

You may view and print reasonable extracts for personal or internal business use.

You must not reproduce, republish, modify, distribute, sell or commercially exploit substantial Website content without our prior written consent.

17. Moneywize Name and Branding

The Moneywize name, branding and logos may not be used in a way that suggests endorsement, partnership, authorisation or affiliation without our prior written consent.

Nothing in these Terms grants you a licence to use Moneywize trademarks or branding except as expressly permitted.

18. Third-Party Websites and Links

Our Website may contain links to third-party websites, software or resources.

These links are provided for convenience or information.

Moneywize does not control third-party websites and is not responsible for their content, security, privacy practices or availability.

You access third-party websites at your own discretion.

19. HMRC, Companies House and Government Links

Our Website may contain links to HMRC, Companies House, GOV.UK and other government or regulatory resources.

These links are provided for convenience only.

Moneywize is not responsible for the content, accuracy or availability of those websites.

References to HMRC, Companies House or other government organisations do not imply endorsement of Moneywize by those organisations.

20. Website Availability

We aim to keep our Website available and operating properly but do not guarantee uninterrupted or error-free access.

The Website may occasionally be unavailable because of:

• maintenance;
• technical problems;
• security updates;
• hosting or telecommunications failures;
• third-party service interruptions; or
• circumstances outside our reasonable control.

We may change, suspend or withdraw any part of the Website where reasonably necessary.

21. Cyber Security

We take reasonable steps to protect our Website and systems.

However, no internet-based service can be guaranteed to be completely secure.

You should maintain appropriate antivirus software, security updates and other protections on devices used to access the Website.

You must not attempt to gain unauthorised access to our Website, servers or connected systems.

22. Email Fraud and Payment Security

Cyber criminals may attempt to impersonate professional firms or intercept electronic communications.

You should exercise particular caution where you receive an unexpected communication requesting:

• payment to new bank details;
• changes to previously provided bank details;
• passwords;
• security credentials; or
• other sensitive financial information.

If you are uncertain whether a communication genuinely originated from Moneywize, contact us using independently verified contact details before making payment or disclosing sensitive information.

23. Limitation of Website Liability

Nothing in these Terms excludes or limits liability which cannot lawfully be excluded or limited.

Subject to this, Moneywize will not be responsible for indirect or consequential losses arising solely from:

• use or inability to use the Website;
• reliance upon general Website information without obtaining professional advice;
• temporary Website unavailability;
• third-party websites;
• unauthorised access resulting from a user's failure to secure login credentials; or
• circumstances outside our reasonable control.

These Website Terms do not replace any liability provisions separately agreed with clients in relation to professional services.

24. Third-Party Content and Services

Some Website content, tools, software or resources may be supplied or operated by third parties.

We cannot guarantee the continued availability, accuracy or performance of third-party material or services.

We may remove or replace third-party content or services at any time.

25. Social Media and External Content

Moneywize may publish information through social media and other third-party platforms.

Such information is generally provided for information and marketing purposes and does not constitute personalised professional advice.

Third-party platforms are governed by their own terms and privacy policies.

26. Downloadable Materials

Where we provide guides, checklists, templates or other downloadable materials, these are provided for general information unless expressly stated otherwise.

They are not a substitute for professional advice.

You may use such materials for personal or internal business purposes but may not resell or commercially redistribute them without our permission.

27. Prohibited Use

You must not use this Website:

• unlawfully or fraudulently;
• to transmit malicious software;
• to obtain unauthorised access to data;
• to interfere with Website functionality;
• to harvest information about other users;
• to infringe intellectual property rights;
• to submit abusive, defamatory or unlawful material; or
• in a way reasonably likely to damage Moneywize, its systems or reputation.

We reserve the right to take appropriate action in response to suspected misuse.

28. Changes to Our Website

We may update or change Website content, services described, prices, functionality, online forms and portal facilities from time to time.

We are under no obligation to maintain any particular Website feature indefinitely.

29. Changes to These Terms

We may revise these Terms periodically to reflect changes in law, regulation, technology, our services or the operation of our Website.

The latest version will be published on this page together with the date of the most recent update.

Your continued use of the Website following publication of revised Terms will be subject to the Terms in force at that time.

30. Severability

If any provision of these Terms is found to be invalid, unlawful or unenforceable, that provision will be modified or removed to the minimum extent necessary.

The remaining provisions will continue in full force and effect.

31. No Waiver

If Moneywize does not immediately enforce a right under these Terms, this does not mean that we have waived that right.

Any waiver must be expressly agreed by us.

32. Governing Law and Jurisdiction

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

Subject to any rights which cannot lawfully be excluded, the courts of England and Wales will have jurisdiction in relation to disputes arising from the use of this Website.

33. Contact Us

If you have any questions regarding these Terms and Conditions, please contact:

Moneywize Accountants & Tax Advisors

Milton Keynes Office
Milton Keynes Business Centre
Foxhunter Drive
Linford Wood
Milton Keynes
MK14 6GD

Telephone: 0330 320 9519

Please refer to our Website for our current office locations and contact details.

Last updated: May 2026

© Moneywize Accountants & Tax Advisors. All rights reserved.

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