Terms and Conditions

1. About us

This website is operated by Financials Direct Limited, trading as Tax Accountant and/or Accountants4NHSDoctors, unless stated otherwise. Accountants4NHSDoctors is a specialist website for doctors and medical professionals requiring accountancy, tax return, tax advisory and HMRC support services.

2. General guidance only

The information on this website is provided for general guidance only. It should not be treated as personalised tax advice, legal advice, financial advice, pension advice, investment advice or other professional advice.

Tax outcomes depend on your own facts, tax year, records, income sources, pension position, deadlines and any correspondence already received from HMRC or another authority.

You should obtain appropriate professional advice before filing a return, making a disclosure, responding to HMRC, restructuring income, selling assets, using a company, making pension tax decisions or relying on any information published on this website.

3. No adviser-client relationship from website use

Using this website, reading website content, submitting a contact form, sending an email, booking an initial call or speaking to us briefly does not automatically create an adviser-client relationship.

We only act for you once we have agreed the scope of work, confirmed the fee, completed onboarding checks, issued or agreed engagement terms and confirmed that we are able to accept the work.

4. Enquiries, appointments and initial calls

Initial enquiries and appointment requests are used to understand what you may need help with. They are not a substitute for a full review of documents and do not amount to formal advice unless expressly agreed in writing.

• We may ask for a summary of your issue before confirming whether we can assist.
• We may decline work if it is outside our scope, too close to a deadline, incomplete or unsuitable.
• We may require payment and engagement approval before reviewing documents or giving advice.
• We do not guarantee same-day or urgent work unless agreed in writing.

5. Engagement letters and scope of work

The engagement letter or written scope agreed with you will set out the specific work we will carry out. These website terms do not replace the engagement letter. If there is any conflict, the signed engagement letter or specific written agreement will normally take priority for the relevant service.

Work outside the agreed scope may require a separate fee. Examples include HMRC enquiries, disclosure work, historic corrections, urgent deadlines, pension annual allowance calculations, Scheme Pays reviews, IR35 advice, VAT advice, company restructuring, foreign income analysis or detailed written tax planning.

6. Fees, quotes and payment

Fees shown on the website are guide fees unless expressly stated otherwise. A fixed fee is only confirmed after we understand the scope, records, tax years, deadlines and technical issues involved.

• Fees are generally quoted excluding VAT unless stated otherwise.
• We may require payment in advance before starting work.
• Where the facts change, extra work may be quoted separately.
• Urgent work, weekend work or work close to a deadline may attract an additional fee if agreed.
• We may pause or stop work if invoices are unpaid or records are not supplied.

7. Cancellation and work already started

Where you approve an engagement and ask us to begin work, you may be liable for work already carried out, time reserved, professional review undertaken, correspondence prepared or advice given.

If a statutory cancellation right applies, it will be dealt with in accordance with applicable law and the engagement terms issued to you. Where you request urgent work or ask us to begin before any cooling-off period expires, you may be required to acknowledge that work can start immediately and that charges may apply for work performed.

8. Client responsibilities

You are responsible for providing complete, accurate and timely information. You remain legally responsible for the accuracy of tax returns, accounts, disclosures and information submitted to HMRC or other authorities, even where we assist with preparation or submission.

• You must provide all relevant income, gains, assets, liabilities, expenses and tax records.
• You must tell us about HMRC letters, deadlines, penalties, enquiries and historic issues.
• You must review and approve returns, accounts, calculations and submissions before filing where required.
• You must keep records for the required retention period.
• You must not withhold facts that may affect the tax position.

9. HMRC deadlines and urgent work

You should contact us as early as possible if there is a filing deadline, HMRC enquiry deadline, appeal deadline, Scheme Pays deadline, payment deadline or court-related timetable.

We are not responsible for missed deadlines where records, instructions, ID checks, engagement approval or payment are not received in time. We only accept urgent work where we expressly confirm that we can do so.

10. Tax advice limitations

Tax advice is based on our understanding of the law, HMRC practice and professional guidance at the time the advice is given. Tax law and HMRC practice can change. Advice may need to be updated if facts change or new information becomes available.

Any tax advice contained in communications from us, including attachments, is not intended or written to be used, and cannot be used, for avoiding tax-related penalties unless we expressly agree a specific penalty advice engagement.

11. NHS pension, Scheme Pays and financial services limitation

We may assist with tax calculations connected with NHS pension annual allowance, tapered annual allowance, carry-forward, Scheme Pays, McCloud Remedy, RPSS and Self Assessment reporting.

We do not provide regulated financial advice, investment advice, pension investment advice, insurance advice or advice on regulated financial products. If regulated financial advice is needed, you should consult an appropriately authorised adviser.

12. Anti-money laundering and onboarding

We must complete identity, verification and anti-money laundering checks before acting. We may request ID, proof of address, source of funds information, source of wealth information, business details or other documents required by law or professional standards.

We may refuse to act, stop work or end an engagement where onboarding is incomplete, information is inconsistent, required checks cannot be completed or we are legally or professionally required to do so.

13. Website calculators, examples and estimates

Any calculators, examples, fee illustrations, tax estimates or scenario explanations on this website are provided for general guidance only. They are not a final tax calculation and should not be used as a substitute for professional review.

Actual tax liabilities depend on the full facts, tax year, income sources, reliefs, allowances, residency position, pension position, records and HMRC rules applying at the relevant time.

14. External links

This website may link to external websites such as HMRC, NHS, professional bodies or other third-party resources. External links are provided for convenience only.

We are not responsible for external website content, accuracy, availability, security, malware, viruses or any loss caused by using third-party websites.

15. Copyright and intellectual property

Website content, design, layout, text, graphics, code, branding, service pages, calculators and downloadable materials are protected by copyright and intellectual property rights unless stated otherwise.

You may view website content for personal or business reference, but you must not copy, reproduce, publish, scrape, resell, adapt or distribute our content without written permission.

16. Acceptable website use

You must not misuse this website, interfere with its operation, attempt unauthorised access, introduce viruses or malicious code, scrape content at scale, use forms for spam or submit false or misleading information.

17. Email and electronic communication

Email and electronic communication may be delayed, intercepted, corrupted, misdirected or affected by viruses. Sensitive documents should be sent through an agreed secure method where appropriate.

We may communicate by email, telephone, online meeting, portal, document upload or other reasonable method depending on the service.

18. Privacy and data protection

Personal data is handled in accordance with our privacy policy. By using website forms, booking appointments or sending enquiries, you should also read our Privacy Policy and any separate privacy notices provided during onboarding.

19. Complaints

If you are unhappy with our service, please contact us so we can review the matter. Where a formal complaint procedure applies, we will explain the process and any relevant professional body route.

20. Limitation of liability for website use

To the fullest extent permitted by law, we accept no liability for loss arising from reliance on general website information, external links, website downtime, technical issues or use of content without obtaining tailored professional advice.

Nothing in these terms excludes liability that cannot legally be excluded.

21. Changes to these terms

We may update these terms from time to time. The version published on this website applies from the date it appears online. You should check this page periodically, especially before relying on any website content or submitting an enquiry.

22. Governing law

These website terms are governed by the laws of England and Wales. Any dispute relating to website use will be subject to the courts of England and Wales, unless a different forum is required by applicable law or a separate engagement agreement.