Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your use of the Gloss Wealth website and services. By accessing our website or using our services, you agree to be bound by these Terms.

2. About Gloss Wealth

Gloss Wealth is a professional accounting firm registered in Scotland, providing accounting, tax, and financial advisory services to individuals and businesses across the United Kingdom.

3. Services

We provide the following professional services:

• Tax planning and compliance
• Bookkeeping and accounting services
• Payroll management
• Business advisory services
• Financial reporting and analysis

4. Service Agreement

When you engage our services, a separate service agreement will be provided detailing:

• Scope of services to be provided
• Fees and payment terms
• Timelines and deliverables
• Responsibilities of both parties
• Confidentiality obligations

5. Professional Standards

Our services are provided in accordance with:

• UK Generally Accepted Accounting Practice (UK GAAP)
• Professional standards set by relevant accounting bodies
• HMRC regulations and guidelines
• Data protection and privacy laws

6. Client Responsibilities

As our client, you agree to:

• Provide accurate and complete information
• Respond promptly to our requests for information
• Pay fees according to agreed terms
• Maintain confidentiality of sensitive information
• Comply with all applicable laws and regulations

7. Fees and Payment

• Fees are based on time spent, complexity of work, and agreed fixed rates
• Payment terms are typically 30 days from invoice date
• Late payment charges may apply to overdue accounts
• We reserve the right to suspend services for non-payment

8. Confidentiality

We maintain strict confidentiality regarding all client information and will not disclose any information without consent, except where required by law or professional duty.

9. Limitation of Liability

To the fullest extent permitted by law:

• Our liability is limited to the fees paid for the specific service
• We are not liable for consequential or indirect losses
• Our liability does not extend to advice not given or services not requested
• Professional indemnity insurance covers our services

10. Website Use

When using our website:

• You may not use the site for unlawful purposes
• You may not attempt to gain unauthorized access
• You may not transmit malicious code or content
• We reserve the right to monitor usage

11. Intellectual Property

All content on this website, including text, graphics, logos, and software, is protected by copyright and other intellectual property rights.

12. Data Protection

We process personal data in accordance with UK GDPR and our Privacy Policy. By using our services, you consent to such processing as described in our Privacy Policy.

13. Termination

Either party may terminate the service relationship by giving reasonable notice. Upon termination:

• All outstanding fees become immediately due
• We will return client documents as requested
• Confidentiality obligations continue
• We may retain copies as required by law

14. Complaints Procedure

If you have a complaint about our services:

1. Contact us directly to discuss the issue
2. We will investigate and respond within 28 days
3. If unsatisfied, you may refer to relevant professional bodies
4. Some services may be covered by financial ombudsman schemes

15. Force Majeure

We are not liable for any failure to perform our obligations due to circumstances beyond our reasonable control, including natural disasters, government actions, or system failures.

16. Governing Law

These Terms are governed by and construed in accordance with the laws of Scotland. Any disputes will be subject to the exclusive jurisdiction of Scottish courts.

17. Changes to Terms

We may update these Terms from time to time. Changes will be posted on our website with an updated effective date. Continued use of our services constitutes acceptance of revised Terms.

18. Contact Information

For questions about these Terms or our services, contact us:

19. Severability

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

20. Entire Agreement

These Terms, together with our Privacy Policy and any service agreements, constitute the entire agreement between you and Gloss Wealth regarding the use of our website and services.