Terms and Conditions

Last Updated: 27 May 2025

1. Introduction

These Terms and Conditions ("

Terms

") govern your access to and use of

Fiscal Flow

(the "

Website

"), operated by

UNSKIPPED LTD (trading as "Fiscal Flow")

, a private limited company registered in England and Wales under company number

14533994

, with its registered office at

40 Borrowdale Avenue, Ipswich, England, IP4 2TG

("

we

", "

us

" or "

our

").

By accessing or using the Website you confirm that you have read, understood and agree to be bound by these Terms and by our

[Privacy Policy]

. If you do not agree with any part of the Terms, you must not use the Website.

2. Eligibility

You may use the Website only if you (a) are at least 18 years old (or the age of majority in your jurisdiction) and (b) have the legal capacity to enter into a binding agreement with us. By using the Website you represent and warrant that you meet these requirements.

3. Changes to These Terms

We may revise these Terms from time to time. When we do, we will post the updated Terms on this page and update the “Last Updated” date above. Where required by law—such as under the

UK Digital Markets, Competition and Consumers Act 2024

or the

EU Directive 2019/2161 (Omnibus Directive)

—we will give you at least 30 days’ prior notice of any material change before it takes effect. Your continued use of the Website after the effective date constitutes your acceptance of the revised Terms.

4. Our Services

We provide marketing and lead‑generation services for accounting firms, including guaranteed appointments and leads, delivered on a subscription or project basis (the "

Services

"). We reserve the right to modify or discontinue any part of the Services at any time without notice (provided that, where you have paid for Services in advance, we will honour or refund your order in accordance with Section 9 below).

5. Account Registration and Security

Account Creation. To access certain features you may need to create an account. You must provide accurate, current and complete information and keep it up to date. You are responsible for maintaining the confidentiality of your login credentials and all activity under your account. You must notify us immediately if you suspect any unauthorised use or security breach.Suspension/Closure. We may suspend or close your account if you breach these Terms or applicable law.

6. Acceptable Use

You agree that you will not, and will not attempt to:

use the Website for any unlawful purpose;upload, post or transmit any content that is illegal, infringing, defamatory, obscene, hateful or otherwise objectionable;violate any third‑party intellectual‑property or privacy rights;introduce viruses, malware or other harmful code;interfere with or disrupt the integrity or performance of the Website;engage in data mining, scraping, or automated data collection without our written consent.

Under

Article 16 of Regulation (EU) 2022/2065 (Digital Services Act)

, we operate a “notice‑and‑action” mechanism. If you believe content on the Website is illegal or infringes your rights, please contact us using the details in Section 22.

7. User‑Generated Content & Reviews

If you submit reviews, comments or other content:

you grant us a worldwide, non‑exclusive, royalty‑free licence to use, reproduce, modify, publish and display that content;you must ensure your content is truthful and not misleading; incentivised or fake reviews are prohibited under the Digital Markets, Competition and Consumers Act 2024;we may remove or refuse any content at our discretion.

8. Prices, Fees and Payment

Transparent Pricing. All prices displayed include VAT (if applicable) and all mandatory fees in compliance with the UK Digital Markets, Competition and Consumers Act 2024—“drip‑pricing” is not used.Payment Processing. We accept the payment methods shown at checkout. By submitting payment information you authorise us (and our third‑party payment processor) to charge the stated amount.Subscription Services. If you purchase a subscription, the term, renewal and cancellation conditions are explained on the checkout page and in any confirmation email.

9. Your Right to Cancel & Refunds

If you are a consumer in the United Kingdom or European Economic Area you have a 14‑day “cooling‑off” period under the

Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013

(UK) or the

EU Consumer Rights Directive 2011/83/EU

for most online purchases. The only exception to these refunds are the waiving of immediate attributed costs taken on by UNSKIPPED LTD upon purchase, such as domains created on your behalf.

Refunds will be processed within 14 days of our confirmation that you are entitled to one, using the same payment method you used for the original transaction.

10. Intellectual‑Property Rights

The Website and all content (including text, graphics, logos, and software) are owned by or licensed to us or our partners and are protected by copyright, trademark and other laws. You may not reproduce, distribute, modify, create derivative works from or exploit any part of the Website except as expressly permitted by these Terms.

11. Privacy & Data Protection

We process personal data in accordance with the

UK GDPR

, the

Data Protection Act 2018

and, where applicable, the

EU GDPR

. For full details see our Privacy Policy. You have rights to access, rectify, erase and port your personal data, and to object to or restrict certain processing.

12. Cookies

We use cookies and similar technologies. Where required, we obtain your consent via a cookie banner and provide full details in our

[Cookie Policy]

.

13. Disclaimer of Warranties

The Website and all content are provided “as is” and “as available”. Except to the extent prohibited by law, we disclaim all warranties, express or implied, including fitness for a particular purpose, non‑infringement and uninterrupted availability.

14. Limitation of Liability

Nothing in these Terms limits or excludes liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be limited or excluded under applicable law.

Subject to the foregoing, we will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, data or use, arising out of or in connection with your use of the Website.

15. Indemnification

You agree to indemnify and hold us, our directors, officers, employees and agents harmless from and against any claims, liabilities, damages, losses and expenses (including reasonable legal fees) arising out of or in any way connected with your breach of these Terms or your misuse of the Website.

16. Third‑Party Websites & Services

The Website may contain links to third‑party websites or services that are not owned or controlled by us. We have no responsibility for the content, policies or practices of any third‑party site.

17. Suspension & Termination

We may suspend or terminate your access to the Website immediately, without prior notice or liability, for any reason, including if you breach these Terms.

18. Digital Services Act Transparency

We publish an annual transparency report in accordance with Article 15 of the

Digital Services Act

. We also maintain internal policies and a risk‑mitigation system proportionate to the scale and nature of our service.

19. Governing Law & Jurisdiction

These Terms and any dispute or claim arising out of them (including non‑contractual disputes or claims) are governed by the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction, except that if you are a consumer resident elsewhere in the UK or EU you may also bring proceedings in your home courts and under your home law.

20. Alternative Dispute Resolution

If you are a consumer and we cannot resolve a complaint through our internal process, you may use the EU Online Dispute Resolution (ODR) platform

at https://ec.europa.eu/consumers/odr . We are neither obliged nor willing to participate in other ADR procedures.

21. Severability & Waiver

If any provision of these Terms is determined by a court to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. No waiver of any breach shall be deemed a waiver of any subsequent breach.

22. Contact Us

UNSKIPPED LTD (trading as "Fiscal Flow")

Attn: Legal Department

40 Borrowdale Avenue, Ipswich, England, IP4 2TG

Email:

[email protected]

Telephone: *[+44 (0)1473 517003]