Terms & Conditions

1. About These Terms

These Terms & Conditions ("Terms") apply to your access to and use of this website and the general business services described on it, operated by Smartledger Solutions ("we", "us", "our").

By using this website, you agree to these Terms. If you do not agree, please do not use this website.

2. About Our Services

This website provides information about UK business services, including company formation, accounting, tax, payroll, compliance and identity verification.

Listing a service on this website does not guarantee that it is available in every circumstance. Where you engage us for a specific service, that engagement may be subject to additional terms agreed separately.

3. Using This Website

You agree to use this website lawfully and appropriately. You must not:

• Misuse this website in any way
• Use this website for any unlawful purpose
• Attempt to gain unauthorised access to this website, its systems or related accounts
• Interfere with or disrupt the operation of this website
• Upload or transmit any virus, malware or other malicious content

4. Website Information

Content on this website is provided for general informational purposes only. It does not constitute personalised legal, tax, accounting or financial advice, and should not be relied upon as such.

You should seek appropriate professional advice specific to your own circumstances before making decisions based on information found on this website.

5. Service Requests

You may submit enquiries or service requests through our forms. Submitting an enquiry does not, on its own, create a binding agreement for us to provide a service.

A service engagement is only formed once we have expressly confirmed it with you, which may be subject to its own separate terms.

6. Our Identity Verification Service

This section sets out the specific terms that apply when you use our identity verification service.

Who can use it. You must be at least 16 years old to submit an identity verification request through this service.

How it works. You submit an identity document, a proof of address document, and a selfie/liveness capture. These are checked using our identity verification partner, Didit, and reviewed by our team before we issue a final outcome. See our Privacy Policy for how we handle this information, including facial images.

Fees. The fee for this service is £20.00 GBP per application, shown to you before you pay, and processed securely by our payment provider, Stripe.

Refund policy.

• The fee covers our processing and review of your application. Paying the fee does not guarantee that your application will be approved.
• If a document is rejected because it is unclear, damaged, expired, or the wrong type, you can resubmit a corrected document free of charge, at no extra cost, within 14 days of the rejection.
• If we are unable to complete your verification because of a fault on our side, you are entitled to a full refund.
• If your application is rejected because the information or documents you provided were false, altered, or belonged to someone else, no refund will be given.
• Outside of the above, once your application has been submitted for processing, fees are generally non-refundable, because of the cost we incur in reviewing it.
• To request a refund, contact us at team@smartledgersolutions.co.uk with your application reference number.

False information and reporting. You must not provide false, altered, or someone else's information or documents. Doing so may result in your application being rejected, and — because we are supervised for anti-money laundering purposes — we may be required to report suspected fraud or identity misuse to the relevant authorities.

Our decisions. We assess applications based on the information and documents provided and the checks carried out by Didit. We do not guarantee a particular outcome. If your application is rejected, we will tell you why, and you may be able to resubmit corrected documents or restart verification in line with the refund policy above.

7. Fees & Payments (General)

Specific pricing for our identity verification service is set out in the section above. For our other business services, pricing and payment terms are not published in full on this website at this time — where applicable fees and payment terms exist, these will be communicated to you separately before you are asked to pay.

8. User Information

You are responsible for ensuring that any information you provide to us, including through our enquiry and identity verification forms, is accurate, current and complete.

9. Third-Party Services and Links

This website may contain links to third-party websites or reference third-party services, such as Stripe (payment processing) and Didit (identity verification), which we use to provide parts of our service.

We are not responsible for the content, accuracy or practices of third-party websites or services, and your use of them may be subject to their own separate terms and policies.

10. Intellectual Property

Unless otherwise stated, the content on this website, including text, graphics, logos and branding, belongs to us or our licensors and is protected by applicable intellectual property laws.

You may view and use this website for your own personal or internal business reference, but you must not reproduce, copy or otherwise exploit any content without our permission, except as permitted by law.

We do not claim ownership of any third-party material referenced or linked on this website.

11. Availability of the Website

We take reasonable steps to keep this website available and functioning correctly, but we do not guarantee that it will be continuously available or free from interruptions, errors or delays.

12. Limitation of Liability

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

Subject to the above, to the extent permitted by law, we do not accept liability for indirect or consequential losses arising from your use of this website, and our liability for matters that can lawfully be limited will be limited as appropriate to the circumstances.

Nothing in this section is intended to exclude or restrict any statutory rights you may have as a consumer.

13. Indemnity

You agree to be responsible for, and to hold us harmless from, any loss or liability we reasonably incur as a direct result of your misuse of this website or your breach of these Terms, to the extent permitted by applicable law.

14. Privacy

Our collection and use of personal information is described in our Privacy Policy, which forms part of these Terms.

15. Cookies

This website uses cookies and similar technologies as described in our Cookie Policy.

16. Changes to These Terms

We may update these Terms from time to time. Any updated version will be published on this page, along with an updated "Last Updated" date. Continued use of this website after changes are published means you accept the updated Terms.

17. Governing Law and Jurisdiction

These Terms are governed by the laws of England and Wales, and the courts of England and Wales will have exclusive jurisdiction over any dispute arising from them, without prejudice to any statutory rights you may have as a consumer to bring proceedings in your own country of residence.

18. Contact

If you have any questions about these Terms, please contact us:

• Smartledger Solutions Ltd
• Company number: 15187461
• Registered office: 4 Corville Gardens, Birmingham B26 3JU, United Kingdom
• Companies House Authorised Corporate Service Provider (ACSP) number: AP002129
• Supervised for anti-money laundering purposes by the Institute of Certified Bookkeepers (ICB), Practice Number 24545
• Email: team@smartledgersolutions.co.uk

You can also reach us through our Contact Us page.