General Terms & Conditions

1. General Terms and Conditions

Please read the following General Terms and conditions very carefully as they affect your use of the Website and your rights. We are 1st Advisory Ltd, our Registered Office is located at 13 Freeland Park, Poole, BH16 6FH, United Kingdom, UK Company number 12785570. Your engagement of our services and/or use of our website constitutes a binding contract between you and Us, governed by these General Terms & Conditions.

1.1 Your use of the Website

A. Your use of the Website, and all sub pages located within it, is subject to these General terms and Conditions together with any more specific terms we may draw your attention to before you purchase any products from the Website or from Us.

1.2 Definitions

The following definitions apply:

A. "Consumer" shall have the meaning ascribed in section 12 of the Unfair contract Terms Act 1977.

B. "General Terms and Conditions" means these terms and conditions

C. "Specific Terms and Conditions" means the Specific terms and conditions tailored to cover any product or service that you may purchase through the Website, and which take priority over these General Terms and Conditions to the extent of any conflict between them.

D. "Web site" "Website" or "Site" means the website you are browsing when you clicked on a link to these General Terms and Conditions, including all subsidiary pages.

E. "we" or "us" or "ourselves" refers to the organisation whose name is identified to you on the Website. Please note that because these General Terms and Conditions apply from time to time to more than one Web Site, references to "We" or "Us" in there General Terms and Conditions means the company, partnership, or other organisation that is identified on the home page of the Web Site you were browsing when you were referred to these General Terms and Conditions.

F. "Within 24 hours" or a "24 hour service" means the service will be delivered no more than 1 working day after purchase and submission of all required information. If purchased on a Friday or the day before a UK public holiday, the service will be delivered on the next available working day.

1.3 Information Contained on the Website

A. While we take all reasonable care to ensure that the information contained on the Website is accurate and up to date, we make no representations, warranties or undertakings about any of the information content or materials provided on the Website (including, without limitation, any as to quality, accuracy, completeness or reliability).

B. All material on the Website is provided for information purposes only and does not constitute legal, accounting or other professional advice, and it must therefore not be relied upon as such. You should arrange your own advice from a qualified party before acting in reliance on any of the information, or purchasing any of the products or services, available on or from the Web Site.

1.4 Updates and Changes

A. The Website is being updated and improved on an ongoing basis. We reserve the right to change or remove (temporarily or permanently) the Website or any part of it without notice and you confirm that we shall not be liable to you for any such change or removal; and

B. Changes to these General Terms and Conditions or to the Specific Terms and Conditions shown below may be made at any time and your use of the Website, or the purchase of products or services, are subject to any such changes. You agree to check to see if any changes have been made to the General or the relevant Specific terms each time you visit the Website or purchase products or services from it.

C. You, the consumer, are responsible for providing and ensuring all information provided is accurate and the postal address on your account is correct. We accept no liability where incorrect spellings, dates, officer information or postal address has been provided or failed to be updated.

1.5 Exclusion of liability to you from the use of the Web Site

A. The Website [also "web site"] is provided on an "AS IS" and "AS AVAILABLE" basis without any representation or endorsement made and without warranty of any kind, whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.

B. Any and all liability to you that may arise from your access to, and use of, the Web Site (whether due to negligence, breach of duty or otherwise), is excluded to the maximum extent permitted by law.

C. No warranty is given that the functionality of the Website will be uninterrupted or error free, that defects will be corrected or that the Web Site or the server that makes it available are free of viruses or anything else which may be harmful or destructive.

D. We are not responsible for the content of other Websites that link to the Website, nor are we responsible for the content of any Website to which links are provided from the Website. Links to other sites are provided purely for your convenience and do not imply that we approve of those sites.

E. Nothing in these General Terms and Conditions shall be construed so as to exclude or limit the liability of ourselves for death or personal injury as a result of our negligence or that of its employees or agents.

1.6 Copyright and trade marks (Intellectual Property)

A. The copyright in all materials on the Website, including their design, layout, text, graphics, photographs and the source code and software belong to their respective owners. Trade marks (whether registered or not), company names and the like are the property of their respective owners.

B. You are licensed to view and temporarily store Website pages and their content in your browser’s temporary cache, and also to print out for reference a single copy for non-commercial purposes and off-line review. You may not sell or re-sell anything available from the Website, save to the extent expressly permitted pursuant to any product or service purchased by you from the Web Site where such permission is either expressly given or is a necessary attribute of the product or service concerned.

1.7 Force Majeure –supply of goods or services ordered through the Website

A. In connection with the supply of any goods or services ordered by you through the Website, we shall not be liable for any delay or failure to perform any of our obligations if the delay or failure results from events or circumstances outside our reasonable control, including but not limited to; acts of God, strikes, lock outs, accidents, war, fire, epidemy, pandemic, or failure of any communications, telecommunications or computer system. We shall be entitled to a reasonable extension of our obligations to you (to the extent we owe any such obligations) should a force Majeure event occur.

B. If a Force Majeure event to which this clause applies shall occur, we agree to notify you as soon as practicable. If the Force Majeure event continues for more than 14 days, either party shall have the right to cancel the agreement and where services have been paid for in advance but have not been rendered, you will be entitled to a refund from the date of cancellation for all such services.

1.8 Username and password

If our Website provides the facility to register in order to gain enhanced access privileges and to purchase products or services, and if you choose to register with us, it is your responsibility to maintain the confidentiality of your account details. On no account should you disclose your password to anyone else. You agree to indemnify and hold us harmless for any loss or damage we may incur resulting from breach of this clause.

1.9 Data Protection

A. We take our obligations of confidentiality and the protection of your personal data very seriously. We will not, therefore, sell or make your data available to any third party without your prior consent, except for the following limited purposes:

Records of personal data obtained for the purposes of the prevention of money laundering and terrorist financing are processed and kept in accordance with the principles of the Data Protection Act 1998 and shall not be further processed in a way that is incompatible with those purposes. The Money Laundering Regulation (MLR) also gives various governmental or regulatory authorities (such as the HMRC, FCA and the NCA) rights to request access to such information and other relevant records for inspection. By accepting these terms and conditions you give consent to the disclosure of this information.

B. You may amend any information provided to us as part of registration on the Website at any time.

C. Please review our Privacy Policy in full, which explains how we treat your personal information and protect your privacy.

1.10 Cookies

Cookies are small data files that are stored locally on your computer and which enable us to tailor your experience in using our Website. Accounts and password information may be stored in cookies. The Website uses cookies, and you are deemed to consent to the use of cookies by using the Website. You can turn off the use of cookies in your Web browser. Please consult the help files for your browser for more information.

1.11 Terminating the use of the Website

We reserve the right to withdraw or suspend your right to access or use our Website at any time, without prior notice and without providing reason for doing so.

1.12 Waiver

No waiver by us (whether express or implied) in enforcing any of our rights shall prejudice our right to enforce such rights in the future

1.13 General

A. If any provision of these General terms and Conditions is held to be unlawful, invalid or unenforceable, that provision shall be deemed severed and the validity and enforceability of the remaining provisions shall not be affected

B. In the event of there being any conflict between these General Terms and Conditions and the Specific Terms and Conditions that apply specifically to the purchase of certain goods or services through the Website, the Specific Terms and Conditions shall prevail.

C. No person who is not a direct party to any agreement covered by these General Terms and conditions shall have any right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of the Agreement.

D. Where you are a consumer, you have the right to cancel a contract for the provision of goods or services, by notice in writing, at any time before 14 days have passed from the day after the contract was made. If, however, we have started to perform our side of the contract before you exercise your right to cancel, then the right to cancel is lost.

E. 1st Advisory is responsible for referral fees from certain partners where lead information generates new business for those partners. 1st Advisory is not responsible for terms and conditions of our partners where lead information results in a contract between you and those partners.

1.14 Notices

A. This clause applies where these General Terms and Conditions or the Specific Terms and Conditions provide expressly or by implication for the service of notices.

B. Any notice required to be given under our Agreement with you or in connection with the matters contemplated by it shall, except where otherwise specifically provided, be in writing in the English language.

C. Any such notice shall be addressed to the usual business address of the other party and may be:

Personally delivered; in which case it shall be deemed to have been given upon delivery at the relevant address if it is delivered not later than 17.00 hours on a Business Day, or, if it is delivered later than 17.00 hours on a Business Day or at any time on a day which is not a Business Day, at 08.00 hours on the next Business Day; or

If within the United Kingdom, sent by first class pre-paid post, in which case it shall be deemed to have been given two Business Days after the date of posting; or

If from or to any place outside the United Kingdom, sent by pre-paid airmail, or by air courier in which case it shall be deemed to have been given seven Business Days after the date of posting in the case of airmail or two Business Days after delivery to the courier, in the case of air courier; or

Sent by facsimile, in which case it shall be deemed to have been given when despatched, subject to confirmation of uninterrupted transmission by a transmission report provided that any notice despatched by facsimile after 17.00 hours on any Business Day or at any time on a day which is not a Business Day shall be deemed to have been given at 08.00 on the next Business Day; or

Sent by electronic mail, in which case, it shall be deemed to be given when sent to an email address that was previously successfully used for mutual email  correspondence between you and 1st Advisory, but subject to the same provisions regarding receipt after 17.00 hours as apply to notices sent by Facsimile.

D. In all cases, notices shall be deemed to be given when received.

1.15 Governing law and Jurisdiction

A. Your use of the Website and the purchase of any products or services from it are governed in accordance with the laws of England and Wales.

B. The English courts shall have exclusive jurisdiction over any dispute or difference whatsoever arising out of or in connection with your use of the web site or the purchase of any products or services from it.

2. Specific Terms and Conditions

2.1 Specific Terms and Conditions incorporation into General Terms and Conditions

These Specific General Terms and Conditions must be read together with the General Terms and Conditions above. The General Terms and conditions apply to any agreement between us and to your use of the Website generally, including for the avoidance of doubt, Clause 1.15, the jurisdiction and governing law clause.

2.2 Definitions

A. "1stAdvisory", "we", "us" or "ourselves" means 1st Advisory Ltd. The Registered Office is located at 13 Freeland Park, Poole, BH16 6FH, United Kingdom, UK Company number 12785570.

B. "FAQ’s" mean Frequently Asked Questions for 1stadvisory.com accessed here: support.1stadvisory.com.

C. "Account credit" can be purchased by the customer or added to the customer's account by 1stAdvisory. If added by 1stAdvisory it could be part of a special offer/incentive or selected as an alternative to a refund or cashback. Account credit can be used as an alternative payment method for purchase of any 1stAdvisory product or service.

D. “Secure payment token” consists of a random set of characters that replace sensitive payment information such as credit card numbers. This is to replace actual card information being stored, if applicable.

2.3 Ordering through Website

A. All orders that you place through this Website are deemed to be an offer by you to purchase the products or services that we supply subject to these Terms and are subject to acceptance of the order by ourselves. We may choose not to accept any order without providing a reason.

B. You can be presented with a range of choices during the ordering process. It is your responsibility to ensure that you read and understand these choices before you proceed with any purchase. Please contact us during usual UK office hours if you are unsure about anything before you proceed with a purchase (please note that while we endeavour to respond to enquiries promptly, we cannot guarantee to do so. It remains your responsibility to take advice about the product you intend to order before the order is placed)

2.4 Service Updates and Changes

A. Service Modifications: We reserve the right to update, amend, or change any product or service provided, including functionality, pricing, or features, at any time. This may be done to maintain, improve, or expand the service offering or to comply with new requirements or legislation from any UK Governing body. Any such significant updates or changes will be communicated in advance through our website or by email. Your continued use of our services following this notification will constitute your acceptance of the changes.

B. Free Trials: From time to time, we may introduce a free trial of a new or related service that complements an existing active service plan or subscription. These trials may be automatically applied to your account without the need for an explicit opt-in, provided they are associated with a service you are already subscribed to.

C. Trial Communication and Cancellation Rights: Full details of any free trial will be clearly communicated to you by email before the trial begins. This communication will include the timeframe, features, renewal terms (if applicable), associated costs, next steps, and cancellation process. Crucially, you will always be given a reasonable timeframe to review the changes and will retain the right to cancel or unsubscribe from the trial or any subsequent paid renewal at any time through your account or by contacting our support team.

2.5 What you receive

A. 1stAdvisory are not an accounting firm or bookkeeping service. 1stAdvisory may seek to provide certain specific advisory services as well as contract or full time CFO, controller, and other senior financial positions. 

B. Disclaimer, no information shall be taken as investment advice or direct management advice. Services and deliverables are limited to within the scope permitted by law and regulation, only.

2.6 Services not included in product purchased by you from us online

A. Our products do not include any of the following in respect of any of the packages we offer for sale online: Bookkeeping or Accountancy services, Direct Financial Advisory services, Financial and Tax Advice, Auditing of your books, Any advice on the suitability or adequacy of any company you may purchase from us for your intended purposes, or other services not expressly mentioned. Provision of these services is contingent upon the execution of a formal Engagement Letter between you and Us, and receipt of an appropriate retainer. Please note that packages that include maintenance of the Statutory Books of the company do not include any of these services. You will need to arrange these separately. You are strongly advised to seek independent advice before you purchase any services from us. We assume that you have done so. If you have not yet taken such advice, please do not proceed with any purchase until you have done so.

2.7 Proof of Identity

A. As a UK professional company, we are legally obliged to comply with the following laws and regulations designed to combat money laundering, terrorist, and proliferation financing.:

Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (MLR 2017)

London Local Authorities Act 2007 - Section 75

Economic Crime and Corporate Transparency Act 2023

B. Customers who purchase any of our Services must provide valid photo ID and proof of address in accordance with the legislations named above in section A.

C. Provision of our services is subject to receipt of this information. Customers who purchase our service must provide valid photo ID and proof of address for the account holder, company director and person with significant control in accordance with the legislations named above in section A.

3.1 Limitation of Liability

A. 1st Advisory shall not be liable for any damages arising from the provision of our services. This includes, but is not limited to, the loss of profits, anticipated savings, business opportunities, or any indirect or consequential damages related to the handling of business mail.

B. Our total liability is capped at the amount of fees paid by the customer during the previous annual term.

3.2 Variation

We reserve the right to amend these Terms & Conditions from time to time.

3.3 Severance

If any provision within these Conditions is deemed unlawful, invalid, or unenforceable, that provision shall be severed, leaving the remaining provisions unaffected and enforceable.

3.4 Third-Party Rights

No individual or entity, other than the parties directly involved in this agreement, has any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any terms of this agreement.

3.5 Governing Law and Jurisdiction

A. This agreement is governed by the laws of England and Wales.

B. The courts of England and Wales shall hold exclusive jurisdiction to resolve disputes or claims arising from or in connection with this agreement, including its subject matter or formation (whether contractual or non-contractual).

These Terms & Conditions are current, last edited on November 13, 2025.