1. Membership entitles you to the service level outlined in your selected package.

10. Except as allowed in clause 9, these terms represent our full agreement and may only be altered with mutual written consent.

2. The scope of services is detailed in your Membership Summary.

11. You must notify us if your business turnover increases by more than 10% during your membership term.

3. Upon approval, membership confirmation will be issued within 48 hours (excluding weekends/bank holidays). Services may commence from the date you submit your application.

12. Service begins from the membership acceptance date. Existing financial matters can be addressed separately at an agreed fee.

4. Your annual fee includes one retainer payment followed by 11 monthly instalments via standing order.

13. Membership may not be transferred or assigned without our prior written consent.

5. Membership renewal requires an annual fee paid in 12 monthly instalments via standing order.

14. These terms are governed by English law and subject to jurisdiction within English courts.

6. You will receive notice of next year’s fee approximately one month before renewal.

15. “You” refers to the business named on your form; “We” are Marsal Accountants Ltd, inclusive of our auditing services.

7. We are not responsible for any loss or damage incurred while providing the agreed services.

16. Tax guidance is restricted to UK legislation and practices.

8. No refund is available if services are not utilised during your active membership period.

17. To cancel, one month’s written notice is required. The final fee covers the transition period or closure work for HMRC.

9. We reserve the right to amend these terms with one month’s notice sent to your registered trading address.

18. By joining, you authorise Marsal Accountants to contact your previous provider for necessary financial documentation.