Terms and Conditions
Fiscal Flow is a trading name of Unskipped Ltd, registered in England and Wales under company number 14533994. These terms govern how you use this website and any preliminary contact you have with us before a formal engagement begins. Any professional services we go on to provide are governed by a separate Engagement Letter agreed with you at onboarding.
About these terms
This website is operated by Unskipped Ltd, trading as Fiscal Flow, a company registered in England and Wales with company number 14533994 and a registered office at 40 Borrowdale Avenue, Ipswich, England, IP4 2TG. These terms cover your use of this website, the content published on it, and any enquiry or preliminary discussion that takes place before we agree to work together. They do not set the scope, fees or obligations of any professional service. Those are set out in an Engagement Letter signed by both parties. If you use this website, you are accepting these terms.
How we work with clients
Any professional services we provide, including accountancy, tax, bookkeeping, payroll or growth infrastructure work, are governed by an individual Engagement Letter signed by both parties at onboarding. The Engagement Letter sets out the scope of work, the deliverables, the fees and payment terms, each party's obligations, the liability position and how either side can end the engagement. It is the operative contract between us. Where anything in these website terms conflicts with the terms of a signed Engagement Letter, the Engagement Letter takes precedence for that engagement. Nothing on this website forms an offer to provide services or creates a professional relationship on its own.
Using this website
A short set of rules that apply to everyone who visits this site.
Permitted use
You may read, print and share pages from this website for your own personal or internal business purposes. You may not scrape, harvest, bulk-copy or republish content for commercial gain, and you may not reverse engineer, copy or repurpose the structure, code or systems behind the site.
User conduct
Please do not use this website for anything illegal, fraudulent or misleading, or to harass anyone. Do not attempt to introduce malicious code, gain unauthorised access to any part of the site or its hosting, or interfere with its availability or performance for other visitors.
Enquiry and form integrity
When you submit an enquiry, quiz response or booking request, please give accurate information and only submit details you are entitled to share. Do not submit other people's data without their knowledge. If we provide you with portal or CRM access later, keep those credentials secure and tell us promptly if they are compromised.
Reliance on content
Articles, guides, benchmarks and case studies on this site are general information about how firms grow. They are not advice tailored to your practice, and outcomes described elsewhere are specific to those firms. For advice on your own situation, contact us and engage us formally so we can review your circumstances properly.
Intellectual property
The content on this website, including text, images, layout, design, graphics, frameworks, downloadable material and the Fiscal Flow name and logo, is owned by Unskipped Ltd or licensed to it. You are welcome to quote short extracts or link to our pages provided you credit Fiscal Flow and link back to the original page. You may not reproduce, resell, adapt or republish our content commercially, or present it as your own work, without our written permission. Our name, logo and brand assets may not be used in marketing, comparison material or partner listings without written agreement from us first.
Our professional obligations
Accountancy and adjacent professional services are regulated in the UK, and some of the duties that apply to a firm sit above any contract it signs. The following obligations apply where we act in a professional capacity for a client.
Anti-money laundering checks
Under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017, we are required to verify who our clients are before we begin work. That normally means proof of identity and proof of address for the relevant individuals, along with information about ownership and control where a company is involved. In higher risk cases we may need to carry out enhanced due diligence. If those checks cannot be completed to our satisfaction, we may decline to act or end an existing engagement.
Record retention
We keep client due diligence and engagement records for at least five years after the end of a relationship, as required by MLR 2017. Some records are held longer, typically six to seven years, to meet tax and company record-keeping rules. Our Privacy Policy sets out retention periods in more detail.
Suspicious activity reporting
If we know or suspect that a person is involved in money laundering or terrorist financing, we have a legal duty to report it to the National Crime Agency. That duty sits above our normal duty of confidentiality to a client, and we do not need your consent to make a report. The law also makes it an offence to tip off a person that a report has been made or is being considered, so we cannot tell you if a report has been submitted or discuss its content.
Professional standards and ethics
Where we act in a regulated professional capacity, we follow the code of ethics of the relevant UK accountancy professional body, including its rules on integrity, objectivity, competence and confidentiality. Those standards take precedence over anything inconsistent in these terms or in any Engagement Letter.
Limitation of liability
This section is about your use of this website only. It does not set the liability position for professional services, which is dealt with in your Engagement Letter.
Liability for work we carry out for a client is agreed in the Engagement Letter signed for that engagement, and the wording in that document is what applies. Everything below relates to the website itself, the content published on it and any general information you take from it before we are engaged.
What we do not limit
Nothing in these terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be limited or excluded under the law of England and Wales. Your statutory rights as a consumer are unaffected.
Website availability and content
This website is provided on an as is basis. We take reasonable care to keep it accurate and available, but we do not promise it will be uninterrupted, error free or free of issues caused by hosting, third party tools or your own connection. Content is general information rather than advice for your firm, and we accept no liability for loss arising from acting on website content alone without engaging us.
Professional services liability
Where we are engaged to deliver services, our liability is limited in the way set out in the signed Engagement Letter for that work. Liability caps in our engagement documents are usually expressed as a stated sum or as a multiple of the fees paid for the relevant work. We hold professional indemnity insurance in line with the requirements applicable to our professional work. The specific terms that apply to you are those in your own Engagement Letter.
Your responsibilities to us
The quality of our work depends on the quality of the information we are given. If we act for you, you are responsible for making sure that the records, figures, filings, access credentials and background information you provide are accurate, complete and given to us in good time. We rely on that material and, unless we have agreed otherwise in writing, we do not independently verify it. If we or a third party suffer loss, cost or a claim because the information you supplied was inaccurate, incomplete or misleading, you agree to cover us for that loss. This is a fair allocation of responsibility rather than a broad waiver, and it does not apply where the loss was caused by our own negligence or breach.
Ending these terms
You can stop using this website at any time, and these terms then stop applying to your future visits. We may suspend or withdraw access to the site, or to any tool or form on it, if these terms are breached or if there is a security or legal reason to do so. Ending your use of the website does not affect an active Engagement Letter, which has its own notice and termination provisions. Obligations on intellectual property, record retention, anti-money laundering duties and liability continue after use ends.
Law and jurisdiction
These terms, and any dispute or claim arising from them or from your use of this website, are governed by the law of England and Wales. The courts of England and Wales have jurisdiction over any such dispute. If you are a consumer, this does not affect your statutory rights or any protection available to you under the law of the country where you live.
Complaints
If something has gone wrong, please tell us in writing at our registered office address, setting out what happened and what outcome you are looking for. We will acknowledge your complaint, investigate it fairly and give you a written response explaining our findings and any action we intend to take. If you are not satisfied with our response and the matter relates to regulated professional work, you can escalate it to the relevant UK accountancy professional body, or to any ombudsman or regulator with jurisdiction over the issue.
Changes to these terms
We may update these terms from time to time to reflect changes in our services, the law or regulatory guidance. The last reviewed date at the top of this page will change when we do. Material changes affecting existing clients are handled through the Engagement Letter process. Continuing to use the website after an update indicates acceptance.
How to contact us
Legal and terms queries are handled directly by us in writing.
For questions about these terms, intellectual property permissions, complaints or anything else of a legal nature, please write to us at our registered office address below or use the contact form on this website, marking your message for the attention of legal queries.
- Legal queries
- https://fiscalflow.uk/contact/ — Response within 5 working days
- Firm
- Unskipped Ltd
- Registered address
- 40 Borrowdale Avenue, Ipswich, England, IP4 2TG
- Companies House
- 14533994
- Professional body
- UK accountancy professional body
- Jurisdiction
- England and Wales