TERMS OF
SERVICE.

1. Definitions

"MOIZ AFC" refers to MOIZ Accounting & Finance Consultants, a remote accounting and financial consultancy.

"Services" refers to any accounting, bookkeeping, VAT compliance, payroll management, management accounts, corporation tax, CIS compliance, or financial consultancy services provided by MOIZ AFC.

"Client" refers to any individual, sole trader, limited company, partnership, or other legal entity that engages MOIZ AFC for Services.

"Engagement Letter" refers to the written agreement between MOIZ AFC and the Client confirming the scope of Services, fees, and any special conditions.

2. Services Provided

MOIZ AFC provides the following outsourced financial and accounting services:

• Cloud bookkeeping and accounts management using Xero, QuickBooks, Sage, and SAP
• VAT Returns preparation, filing, and HMRC Making Tax Digital (MTD) compliance
• Payroll processing, PAYE, RTI submissions, pension auto-enrolment, and TRONC management
• Monthly management accounts, KPI reporting, and cash flow forecasting
• Corporation Tax Returns (CT600) and Companies House filings
• Construction Industry Scheme (CIS) compliance and subcontractor management
• International tax compliance across USA, Canada, UAE, and GCC jurisdictions
• Company formation, accounting software setup, and business advisory

All services are subject to a separate Engagement Letter or written agreement confirming scope, deliverables, and fees. MOIZ AFC reserves the right to decline any engagement at its sole discretion.

3. Engagement & Agreement

An engagement begins when the Client has accepted a proposal or Engagement Letter issued by MOIZ AFC, either in writing or by conduct (e.g. providing access to accounts or financial records).

The Engagement Letter will specify the scope of work, fees, payment terms, and any specific conditions applicable to that Client. In the event of any conflict between these Terms and the Engagement Letter, the Engagement Letter shall prevail.

MOIZ AFC is not a regulated firm under the Financial Conduct Authority (FCA) and does not provide regulated investment advice, regulated mortgage advice, or regulated insurance advice. Our services are limited to accounting, bookkeeping, tax compliance, and financial reporting.

4. Client Responsibilities

To enable MOIZ AFC to perform the Services effectively, the Client agrees to:

• Provide accurate, complete, and timely financial records, documents, and information as reasonably requested
• Notify MOIZ AFC promptly of any material changes to the business, ownership structure, or financial circumstances
• Maintain access to accounting software and grant MOIZ AFC appropriate user permissions
• Review and approve all statutory filings, returns, and reports before submission where required
• Ensure all HMRC deadlines and filing obligations are met by providing information to MOIZ AFC in reasonable time
• Pay all invoices by the due date as specified in the Engagement Letter

MOIZ AFC shall not be responsible for errors, penalties, or losses arising from the Client's failure to provide accurate or timely information.

5. Fees & Payment

Fees for Services will be agreed in advance and set out in the Engagement Letter. MOIZ AFC operates on the following payment terms unless otherwise agreed:

• Invoices are issued monthly in advance or upon completion of specific deliverables
• Payment is due within 14 days of the invoice date unless otherwise specified
• Late payments may incur interest at 8% per annum above the Bank of England base rate in accordance with the Late Payment of Commercial Debts (Interest) Act 1998
• MOIZ AFC reserves the right to suspend Services if invoices remain unpaid beyond 30 days
• All fees are quoted exclusive of VAT where applicable

MOIZ AFC reserves the right to review and adjust fees annually with 30 days' written notice to the Client.

6. Confidentiality

Both parties agree to maintain strict confidentiality of all information exchanged during the engagement. MOIZ AFC will not disclose any Client information to third parties except:

• Where required by law, regulation, or a competent authority (e.g. HMRC, Companies House)
• With the Client's prior written consent
• To MOIZ AFC's professional advisers bound by equivalent confidentiality obligations
• To cloud accounting platform providers (Xero, QuickBooks, SAP) strictly for the purpose of delivering the Services

This confidentiality obligation survives the termination of the engagement and continues indefinitely.

7. Intellectual Property

All work product, reports, templates, processes, and methodologies developed by MOIZ AFC in connection with the Services remain the intellectual property of MOIZ AFC unless otherwise agreed in writing.

The Client is granted a non-exclusive, non-transferable licence to use deliverables produced specifically for them (such as management accounts packs, financial reports, and tax returns) for their own internal business purposes.

8. Limitation of Liability

MOIZ AFC will perform all Services with reasonable skill and care. However, to the fullest extent permitted by law:

• MOIZ AFC's total liability to the Client shall not exceed the total fees paid by the Client in the 12 months preceding the event giving rise to the claim
• MOIZ AFC shall not be liable for any indirect, consequential, or special loss including loss of profit, loss of business, or reputational damage
• MOIZ AFC shall not be liable for penalties, interest, or surcharges imposed by HMRC or other authorities where such penalties arise from information provided by the Client that was inaccurate, incomplete, or provided late
• MOIZ AFC makes no guarantee as to the outcome of any tax position, HMRC enquiry, or regulatory matter

Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.

9. Termination

Either party may terminate the engagement by giving 30 days' written notice to the other party, unless a different notice period is specified in the Engagement Letter.

MOIZ AFC reserves the right to terminate the engagement immediately if:

• The Client fails to pay invoices within 30 days of the due date
• The Client provides materially false or misleading information
• Continuing the engagement would place MOIZ AFC in breach of any law or professional obligation

Upon termination, the Client is responsible for all outstanding fees for Services rendered up to the date of termination. MOIZ AFC will provide reasonable handover support to the Client's incoming accountant or adviser.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

For Clients based in the USA, Canada, or Middle East, where specific local regulatory obligations apply, the relevant jurisdiction's laws shall apply to those specific compliance obligations only. The governing law of the commercial relationship between the parties remains England and Wales.

11. Changes to Terms

MOIZ AFC reserves the right to update or modify these Terms of Service at any time. Where changes are material, we will provide at least 30 days' written notice to active Clients. Continued use of our Services after notification of changes constitutes acceptance of the revised Terms.

The most current version of these Terms will always be available on our website at moizafc.com/terms.html.

12. Contact

If you have any questions about these Terms of Service, please contact us: