Legal Disclaimer

1. General guidance only

The information on this website is intended for general guidance only. It is based on our understanding of legislation, HMRC practice and professional guidance at the time the relevant content is prepared or updated.

Financials Direct Limited T/A Tax Accountant / Accountants4NHSDoctors accepts no liability for action taken, or not taken, in reliance on general website information. Tax outcomes depend on your personal facts, tax year, records, deadlines and any correspondence already received from HMRC.

You should take appropriate professional advice before filing a return, making a disclosure, responding to HMRC, using Scheme Pays, making NHS pension tax decisions, entering into a transaction, selling property, restructuring income, using a limited company or relying on any information published on this website.

2. No adviser-client relationship

Reading this website, submitting a contact form, sending an email, booking a call or speaking to us briefly does not automatically appoint us as your accountant, tax adviser or agent.

• Sending an enquiry does not mean we have accepted your matter.
• General discussion does not amount to formal tax advice unless expressly agreed.
• Work begins only after scope, fee, engagement and onboarding are agreed.
• Specific advice must be based on documents, records and facts.
• HMRC deadlines remain your responsibility unless we are formally engaged to deal with them.

3. Accuracy of information

We aim to keep website content clear and useful, but tax rules, HMRC guidance, professional standards and statutory thresholds can change. Information may become outdated, incomplete or unsuitable for your circumstances.

The website may discuss NHS doctors, consultants, GPs, locum doctors, private practice income, pension tax, annual allowance, Scheme Pays, McCloud Remedy, IR35, VAT, foreign income and HMRC compliance. These areas can be fact-sensitive and should be reviewed before action is taken.

4. Professional advice required

You should obtain professional advice before taking action based on this website. This is especially important where:

• HMRC has contacted you or opened an enquiry.
• You have received a pension savings statement, RPSS or Scheme Pays notice.
• You have private practice income, locum income or company income.
• You are considering IR35, off-payroll working or limited company extraction.
• You have foreign income, overseas assets, capital gains or residence issues.
• Tax from earlier years may be wrong or incomplete.
• A deadline, penalty, appeal, disclosure or repayment claim is involved.

5. Website examples, calculators and estimates

Any examples, calculators, figures, service descriptions, fee guides, FAQs or scenario explanations on this website are illustrative only. They should not be treated as final tax calculations, professional advice or confirmation of HMRC treatment.

Actual tax liabilities, reliefs, penalties, interest, pension tax charges, Scheme Pays amounts and filing requirements depend on your own records and the rules applying to the relevant tax year.

6. External links

This website may contain links to HMRC, GOV.UK, NHS bodies, professional bodies or other external websites. These links are provided for convenience and information only.

We are not responsible for the content, accuracy, completeness, availability, security or integrity of external websites. We also accept no liability for viruses, malware, technical issues or damage caused by visiting or relying on third-party websites.

7. Regulatory and company information

Financials Direct Limited T/A Tax Accountant / Accountants4NHSDoctors is an independent accounting firm in the UK. The firm is registered to carry on accounting work and is regulated for a range of business activities by the Institute of Financial Accountants.

8. Use of partner, principal or director wording

The use of the term “partner”, “principal”, “director”, “specialist”, “adviser” or similar wording on this website or in communications from Financials Direct Limited T/A Tax Accountant / Accountants4NHSDoctors is used for professional and business description purposes.

Such wording should not be taken as creating a legal partnership relationship unless expressly stated in writing.

9. Financial services notice

Financials Direct Limited T/A Tax Accountant / Accountants4NHSDoctors is not authorised under the Financial Services and Markets Act 2000.

Nothing on this website should be treated as regulated financial advice, investment advice, pension investment advice, insurance advice, mortgage advice or advice on regulated financial products.

We may assist with tax calculations connected with NHS pension annual allowance, tapered annual allowance, carry-forward, Scheme Pays, McCloud Remedy and Self Assessment reporting. This is tax work, not regulated financial advice.

10. Email disclaimer

Emails you receive from Financials Direct Limited T/A Tax Accountant / Accountants4NHSDoctors and any attached files may be legally privileged, confidential or prohibited from disclosure and unauthorised use.

The views of the author may not necessarily reflect those of the firm. Emails are intended only for the named addressee or the employee or agent responsible for delivering the message to that addressee.

If you receive an email in error, please return it to the sender, delete it from your system, destroy any copies and do not copy, disclose, distribute or rely on the email or attachments.

11. Email security

The integrity of email across the internet cannot be guaranteed. Messages sent by email may be delayed, intercepted, corrupted, misdirected or contain viruses.

All liability is excluded to the extent permitted by law for claims arising from the use of email to transmit information. If information is sensitive, confidential or urgent, please consider whether email is the appropriate method of communication. Where required, we may request that documents are provided through a secure upload, portal or agreed onboarding process.

12. Copyright and website material

Except where otherwise indicated, copyright in all material on this website is held by Financials Direct Limited T/A Tax Accountant. This includes text, graphics, design, layout, code, calculators, service pages and downloadable materials.

No part of this website may be reproduced, copied, transmitted, adapted, republished, scraped or distributed in any form or by any means without our written permission. All rights are reserved.

13. HMRC and professional compliance notice

To ensure compliance with requirements imposed by HMRC and the Institute of Financial Accountants, any tax advice contained in any communication you receive from Financials Direct Limited T/A Tax Accountant / Accountants4NHSDoctors, including attachments, is not intended or written to be used, and cannot be used, for avoiding tax-related penalties.

Such advice is also not intended or written to be used for promoting, marketing or recommending to another party any transaction or matter addressed in that communication.

• Make sure advice is addressed to you.
• Make sure your facts have been fully provided.
• Check the tax year, deadline and HMRC position involved.
• Do not forward advice for another party to rely on.
• Ask for written advice where the issue is complex or high risk.

14. Limitation of liability

To the fullest extent permitted by law, Financials Direct Limited T/A Tax Accountant / Accountants4NHSDoctors accepts no liability for loss arising from reliance on general website information, external links, website downtime, technical issues, email transmission, calculators, examples or content used without obtaining tailored professional advice.

Nothing in this disclaimer excludes liability that cannot legally be excluded.

15. Updates to this disclaimer

We may update this legal disclaimer 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 website content or submitting an enquiry.