Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Zippy Crest Ltd, a company registered in England and Wales (company number 12345678), with registered office at 125 London Wall, London EC2Y 5AS ("Company," "we," "us," or "our").

By accessing or using our website at zippy-crest.com or engaging our services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use our services.

2. Description of Services

Zippy Crest provides business consultancy services including but not limited to:

• Business registration and formation services
• Strategic business planning and growth advice
• Tax planning and financial advisory services
• Digital transformation consultancy
• Ongoing business support and compliance

3. Eligibility

You must be at least 18 years old and have the legal capacity to enter into contracts to use our services. By using our services, you represent and warrant that you meet these eligibility requirements.

4. Service Agreements

Specific services will be governed by separate service agreements that detail:

• Scope of work and deliverables
• Fees and payment terms
• Timelines and milestones
• Specific terms and conditions for each service

In case of conflict between these Terms and a service agreement, the service agreement will prevail for that specific engagement.

5. Fees and Payment

5.1 Fees

Our fees are as quoted in our proposals or service agreements. All fees are exclusive of VAT unless stated otherwise.

5.2 Payment Terms

• Payment is due within 30 days of invoice date unless otherwise agreed
• We reserve the right to charge interest on overdue amounts at 8% per annum above the Bank of England base rate
• We may suspend services for non-payment after giving reasonable notice

5.3 Refunds

Refunds will be considered on a case-by-case basis. Generally, fees for completed work or services already delivered are non-refundable.

6. Client Responsibilities

As our client, you agree to:

• Provide accurate and complete information
• Respond promptly to our requests for information or documentation
• Pay fees in accordance with agreed terms
• Comply with all applicable laws and regulations
• Not use our services for any illegal or fraudulent purposes

7. Intellectual Property

7.1 Our Intellectual Property

All content on our website and materials we provide remain our intellectual property or that of our licensors. You may not reproduce, distribute, or create derivative works without our written permission.

7.2 Client Intellectual Property

You retain ownership of your intellectual property. By engaging our services, you grant us a license to use your information solely for providing our services.

8. Confidentiality

We maintain strict confidentiality regarding all client information and will not disclose confidential information except:

• With your written consent
• As required by law or regulation
• To professional advisors bound by similar confidentiality obligations
• As necessary to provide our services

9. Limitation of Liability

To the maximum extent permitted by law:

• Our total liability for any claim shall not exceed the fees paid for the specific service giving rise to the claim
• We shall not be liable for indirect, consequential, or punitive damages
• We provide our services with reasonable care and skill but make no warranties beyond this

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.

10. Professional Standards

We are regulated by relevant professional bodies and maintain professional indemnity insurance. Our services are provided in accordance with applicable professional standards and codes of conduct.

11. Termination

11.1 Termination by Either Party

Either party may terminate our services with reasonable notice in writing.

11.2 Immediate Termination

We may terminate immediately if you:

• Breach these Terms or any service agreement
• Fail to pay fees when due
• Engage in fraudulent or illegal activities

12. Data Protection

We process personal data in accordance with our Privacy Policy and applicable data protection laws. By using our services, you consent to such processing.

13. Website Terms

13.1 Website Use

You may use our website for lawful purposes only. You agree not to:

• Use the website in any way that violates applicable laws
• Transmit viruses or malicious code
• Attempt to gain unauthorized access to our systems
• Interfere with the proper working of the website

13.2 Content Accuracy

While we strive for accuracy, we make no warranties about the completeness or reliability of website content. Information is for general guidance only and not professional advice.

14. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content or practices of these websites and recommend reviewing their terms and privacy policies.

15. Governing Law and Jurisdiction

These Terms are governed by English law, and any disputes will be subject to the exclusive jurisdiction of the English courts.

16. Force Majeure

We shall not be liable for any failure to perform due to circumstances beyond our reasonable control, including but not limited to acts of God, government actions, pandemics, or technical failures.

17. Entire Agreement

These Terms, together with any service agreements and our Privacy Policy, constitute the entire agreement between us and supersede all prior agreements and understandings.

18. Amendments

We may update these Terms from time to time. We will notify you of material changes, and continued use of our services constitutes acceptance of the updated Terms.

19. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

20. Contact Information

For questions about these Terms, please contact us: