Blueroot Finance Terms and Conditions

EFFECTIVE DATE

18 August 2026

COMPANY NUMBER

16770863

WEBSITE

www.bluerootfinance.co.uk

CONTACT

eve@bluerootfinance.co.uk

These Terms & Conditions apply between you and BlueRoot Finance Ltd ("BlueRoot", "we", "us" or "our"). They govern the use of our website and digital resources associated with our accountancy services. Professional client work is also governed by a separate letter of engagement and any schedules of service.

The important distinction

Visiting the website or sending an enquiry does not appoint BlueRoot Finance as your accountant or bookkeeper. A professional engagement begins only when we have accepted you as a client, completed required checks, and both parties have agreed to the engagement documents.

1. Who We Are

BlueRoot Finance Ltd is a company registered in England and Wales under company number 16770863. Our website is www.bluerootfinance.co.uk and our contact email is eve@bluerootfinance.co.uk.

BlueRoot is an AAT-licensed practice providing remote bookkeeping and related accountancy services. We provide only those professional services for which we are appropriately licensed, competent, and expressly engaged.

2. Scope of These Terms

These Terms apply to our website, enquiry and onboarding processes, newsletters, free and paid guides, templates, downloads, workshops and other digital resources. They also form part of the general framework for accountancy services where incorporated into a letter of engagement.

Khemi Love Ltd is a separate business and is not a party to these Terms.

3. Acceptance and Priority of Documents

By using our website or purchasing or accessing a digital resource, you agree to these Terms. If you do not agree, do not use the relevant website or resource.

For professional services, your letter of engagement and its schedules will state the precise scope, responsibilities, fees, timetable, cancellation arrangements and any agreed liability provisions. If there is a conflict, the letter of engagement and service schedule take priority for that client work. Mandatory legal and professional obligations always prevail.

4. Website Information Is General

Website articles, guides, checklists, examples, and other public information are general education, not advice tailored to your circumstances. They should not be treated as a substitute for professional advice based on complete and current information.

Tax, accounting standards, filing requirements, software, and official guidance change. We aim for accuracy but do not promise that general website content will always be complete, current, or suitable for every business.

5. Lawful Website Use

You must use our website lawfully and must not:  

· attempt unauthorized access to an account, system, checkout, or private area;  

· introduce malware, harmful code, or automated scraping tools;  

· impersonate another person or submit false or misleading information;  

· interfere with security, availability, or another user’s rights; or  

· copy, distribute, or commercially exploit our content without permission.

We may restrict access where reasonably necessary to protect our systems, users, confidential information, or intellectual property.

6. Enquiries, Proposals and Formation of an Engagement

A conversation, quotation, or proposal is not in itself an acceptance of appointment. We may decline work for capacity, competence, independence, conflict, regulatory, risk, or other legitimate professional reasons.

An engagement begins only after we confirm acceptance, complete the required onboarding and anti-money-laundering checks, and the engagement documents have been agreed. Until then, you remain responsible for all filing dates, payments, records, and existing professional arrangements.

7. Identity, AML and Regulatory Checks

As an accountancy practice, we must comply with anti-money-laundering and related legal and professional requirements. We may request evidence of identity, address, ownership, control, source of funds, business activity, and other information needed for client due diligence and risk assessment.

You agree to provide accurate, complete, and current information about the client, directors, partners, trustees, beneficial owners, and other relevant people. We may use electronic identity-verification providers and may repeat or update checks during the relationship.

We may delay, decline, suspend, or end work where checks cannot be completed or where law, regulation, or professional obligations require it. Legal restrictions may prevent us from explaining certain actions or disclosures.

8. Scope of Professional Services

We provide only the services expressly listed in the signed engagement letter and service schedules. These may include agreed bookkeeping, ledger maintenance, bank reconciliation, invoicing support, supplier reconciliation, credit control, transaction processing, catch-up work, accounts preparation, tax-return preparation, or other approved services.

Anything not listed is outside scope. We are not responsible for identifying or completing additional work unless it is separately agreed in writing. Advice or work for one period, entity, or purpose does not automatically extend to another.

9. Your Responsibilities

You remain responsible for your business, its transactions, decisions, and legal obligations. Unless the engagement letter states otherwise, you agree to:

· provide complete, accurate, and timely records, explanations, and approvals;  

· maintain appropriate records and internal controls;  

· review outputs, accounts, returns, and reports and promptly raise questions;  

· tell us about material changes, unusual transactions, and deadlines;  

· protect account credentials and restrict access to authorized users; and  

· make payments to HMRC, suppliers, and other parties when due.

You are responsible for the consequences of incomplete, inaccurate, withheld, or late information. We may rely on information supplied by you or your authorized representatives unless we have reason to believe it is incorrect.

10. Deadlines and Approvals

We will use reasonable care and skill and will work towards agreed deadlines. Our ability to meet a deadline depends on receiving complete information, responses, and approvals in sufficient time.

We will not submit a return, account, claim, or other filing requiring client approval until the necessary approval has been received. Unless expressly engaged to monitor a deadline, responsibility remains with you. Any timetable in an engagement may be revised where information is late, incomplete, or materially changed.

11. Fees, Expenses and Payment

Fees, billing frequency, payment dates, deposits, expenses, and any review arrangements will be stated in the proposal, checkout, or engagement letter. Prices are in pounds sterling unless stated otherwise, with VAT added where applicable.

Invoices must be paid by the due date. Where a payment is overdue, we may pause non-urgent work after reasonable notice, provided this is consistent with our legal and professional duties. Pausing work does not transfer your responsibility for deadlines or amounts properly due.

Additional or out-of-scope work will be discussed and agreed before it is undertaken wherever practicable. We will not take fees from money held for a client except in accordance with applicable professional rules and authority.

12. Cloud Software, Portals and Access

Remote services may require access to accounting software, banking feeds, document portals, email, payment systems, or other technology. You must grant only the permissions reasonably required and ensure you have authority to provide access.

Third-party platform terms, charges, and availability may apply. You are responsible for your own subscriptions unless we agree otherwise. We will use reasonable security measures, but cannot guarantee uninterrupted operation of a third-party service.

You must promptly revoke access for former staff and tell us about suspected compromise, incorrect permissions, or unauthorized activity.

13. Digital Guides and Resources

Digital products may be supplied by download, email, account access, or another method stated at checkout. You are responsible for a compatible device, suitable software, a working email address, and internet access.

A purchase gives you a limited, personal or internal-business, non-exclusive, and non-transferable license to use the resource for the purchaser’s own purposes. It does not transfer ownership or permit resale, public distribution, client redistribution, template extraction, or the creation of competing products.

A digital guide is general information and does not create an accountant-client relationship or replace advice tailored to your records and circumstances.

14. Consumer Rights for Online Purchases

If you purchase as a UK consumer rather than for business purposes, you may have statutory cancellation rights. For digital content supplied immediately, we will ask for express consent to begin supply and acknowledgment that the 14-day cancellation right will be lost once supply begins.

Where services begin during a consumer cancellation period at your express request, a proportionate charge may be payable for work already performed. Nothing in these Terms removes statutory rights relating to faulty or misdescribed digital content or services not performed with reasonable care and skill.

To exercise an applicable cancellation right, email eve@bluerootfinance.co.uk with your name, order details, and a clear statement that you wish to cancel.

15. Intellectual Property

Our website, branding, guides, templates, training, processes, written materials, and digital resources are owned by or licensed to BlueRoot and are protected by intellectual-property law.

You must not copy, adapt, translate, publish, resell, sublicense, distribute, teach from, train an artificial-intelligence system on, or create derivative commercial materials from our content without written permission. Client-specific records and source information supplied by you remain yours; our underlying methodologies, templates, and working tools remain ours.

16. Confidentiality and Data Protection

We will keep client information confidential except where disclosure is authorized, necessary to perform the engagement, required by law or regulation, permitted by professional standards, or reasonably necessary to protect legal rights.

Our Privacy Policy explains how BlueRoot handles personal information as a controller and, where applicable, as a processor acting on a client’s documented instructions. A separate data-processing agreement or engagement provision may apply to client data.

17. Subcontractors and Third-Party Providers

We may use appropriately selected staff, subcontractors, or service providers for secure technology, identity verification, bookkeeping support, file storage, payment, communications, or other operational needs. We remain responsible for our obligations where another provider acts on our behalf, subject to the agreed engagement and applicable law.

We may need your consent before appointing a particular subcontractor or sharing information in circumstances identified in the engagement documents.

18. Communication and Authority

We may communicate with you and authorized contacts by email, telephone, video meeting, secure portal, or agreed messaging platform. You must tell us who may instruct us and notify us promptly when authority changes.

Email and internet communications carry inherent risks. Each party should use reasonable security measures and verify unexpected payment or bank-detail instructions through a trusted second channel.

19. Professional Standards and Complaints

BlueRoot aims to provide accountancy services with reasonable care and skill and in accordance with applicable AAT requirements. If you are dissatisfied, contact eve@bluerootfinance.co.uk promptly so we can investigate under our complaints procedure.

The engagement letter or complaints policy will explain escalation routes that may be available. Raising a complaint does not remove either party’s obligation to protect deadlines, preserve records, or mitigate avoidable loss.

20. Reliance and No Guarantee of Outcome

Professional work is based on the agreed scope and the information available at the time. We do not guarantee a particular tax result, saving, funding decision, commercial outcome, audit result, or acceptance by HMRC, Companies House or another authority.

Our advice is for the named client and stated purpose. No other person may rely on it without our written agreement. You should seek legal, investment, regulated financial, or other specialist advice where a matter falls outside our competence or engagement.

21. Liability

Nothing in these Terms excludes or limits liability where doing so would be unlawful, including liability for fraud or fraudulent misrepresentation, death or personal injury caused by negligence, or mandatory consumer rights.

Any fair and lawful limitation of liability for professional client work will be stated in the relevant engagement letter. Subject to mandatory law and the engagement terms, neither party is responsible for loss that was not reasonably foreseeable when the contract was formed or for loss caused by the other party’s breach, delay, or inaccurate information.

You agree to take reasonable steps to reduce avoidable loss and to notify us promptly when you become aware of an error, omission, deadline risk, or suspected security incident.

22. Ending a Professional Engagement

Either party may end an engagement in accordance with the notice and termination terms in the engagement letter. We may suspend or end work sooner where required by law or professional obligations, where fees remain materially overdue after notice, where essential information is not provided, or where trust, independence, or safe working has broken down.

On disengagement, we will take the reasonable steps described in the engagement documents and applicable professional requirements. Fees for work properly completed and authorized expenses remain payable. You remain responsible for appointing a replacement adviser and protecting future deadlines.

23. Website Availability and Changes

We do not guarantee uninterrupted access to our website or digital platforms. Maintenance, security work, third-party outages, and events beyond reasonable control may affect availability. We will take reasonable steps to restore material access and provide any remedy required by law.

We may update website content and digital resources to improve accuracy, security, or compatibility, provided we do not unfairly remove what a customer has purchased.

24. Events Beyond Reasonable Control

Neither party is responsible for delay caused by an event genuinely beyond reasonable control. The affected party should communicate where practicable and take reasonable steps to reduce disruption. This does not remove any legal right to a refund or other remedy where one applies.

25. Changes to These Terms

We may update these Terms to reflect changes in law, professional requirements, technology, or our business. The current version and effective date will be published online. Changes will not retrospectively remove rights already acquired, and material changes affecting ongoing services will be addressed through the engagement arrangements.

26. Governing Law and General Terms

These Terms are governed by the laws of England and Wales. The courts of England and Wales will have jurisdiction, subject to any mandatory rights available to a consumer in another part of the United Kingdom.

If part of these Terms is found unlawful or unenforceable, the remaining parts continue to apply. A delay in enforcing a right does not waive it. No third-party may enforce these Terms unless the law or an engagement expressly provides otherwise.

27. Contact

BlueRoot Finance Ltd  

Company number: 16770863  

Website: www.bluerootfinance.co.uk  

Email: eve@bluerootfinance.co.uk

Important: These are master website and digital-resource terms, with an interface to professional client work. They do not replace the AAT-compliant letter of engagement, service schedules, complaints procedure, privacy documentation, AML procedures, or any data-processing terms required for a particular client. Obtain independent legal and professional review before publication.