Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your use of the Thunder Crest website (thunder-crest.com) and our tax optimization services. By accessing our website or engaging our services, you agree to be bound by these Terms.

Thunder Crest is a tax advisory firm registered in England and Wales, providing professional tax optimization services in compliance with UK regulations and HMRC requirements.

2. Definitions

• "Company," "we," "us," "our" refers to Thunder Crest
• "Client," "you," "your" refers to the user of our services
• "Services" refers to all tax optimization and advisory services we provide
• "Website" refers to thunder-crest.com and associated pages
• "Agreement" refers to these Terms and any service-specific agreements

3. Service Description

Thunder Crest provides professional tax optimization services including:

• Personal tax planning and advisory
• Corporate tax optimization strategies
• Investment tax planning
• Property tax advisory
• International tax planning
• Estate and inheritance tax planning

All services are provided in accordance with UK tax law and HMRC regulations. We do not provide services that involve tax evasion or non-compliant arrangements.

4. Professional Standards

Our services are provided by qualified professionals who:

• Are members of recognized professional bodies
• Maintain continuing professional development
• Follow ethical guidelines and professional standards
• Carry appropriate professional indemnity insurance
• Comply with anti-money laundering regulations

5. Client Obligations

As our client, you agree to:

• Provide accurate and complete information
• Disclose all relevant financial circumstances
• Respond promptly to requests for information
• Pay fees in accordance with agreed terms
• Implement advice only after proper consideration
• Inform us of any changes in circumstances
• Comply with all applicable laws and regulations

6. Fees and Payment

6.1 Fee Structure

Our fees are based on:

• Time spent on your matter
• Complexity of the work
• Value of the service provided
• Fixed fees for specific services (where agreed)

6.2 Payment Terms

• Fees are payable within 30 days of invoice date
• Interest may be charged on overdue amounts
• We may require payment on account for larger projects
• All fees are exclusive of VAT unless stated otherwise

7. Confidentiality

We maintain strict confidentiality regarding:

• All client information and affairs
• Financial and personal data
• Business strategies and plans
• Tax positions and planning arrangements

Confidentiality may only be breached when required by law or with your explicit consent.

8. Limitation of Liability

8.1 Professional Indemnity

Our liability is limited to the amount recoverable under our professional indemnity insurance policy, which provides cover of £2 million per claim.

8.2 Excluded Liability

We exclude liability for:

• Consequential or indirect losses
• Loss of profits or business opportunities
• Actions taken without our written advice
• Decisions based on incomplete information
• Changes in law after advice is given

8.3 Time Limits

Claims must be made within 6 years of the date when the advice was given or the service was provided.

9. Website Use

9.1 Acceptable Use

You may use our website for:

• Information about our services
• Contacting us for inquiries
• Subscribing to our newsletter
• Accessing resources we make available

9.2 Prohibited Activities

You must not:

• Use the website for illegal purposes
• Attempt to gain unauthorized access
• Transmit harmful or malicious content
• Infringe intellectual property rights
• Interfere with website functionality

10. Intellectual Property

All content on our website is protected by intellectual property rights:

• Text, images, and design elements are our property
• You may not reproduce content without permission
• Third-party content is used under appropriate licenses
• Trademarks and logos are protected

11. Data Protection

We process personal data in accordance with:

• UK General Data Protection Regulation (UK GDPR)
• Data Protection Act 2018
• Our Privacy Policy
• Professional confidentiality requirements

Please see our Privacy Policy for detailed information.

12. Termination

12.1 Termination by Client

You may terminate our engagement at any time with written notice. You remain liable for fees incurred up to the termination date.

12.2 Termination by Us

We may terminate our engagement if:

• Fees remain unpaid after notice
• You fail to provide necessary information
• Professional or ethical conflicts arise
• We are required to do so by regulation

13. Force Majeure

We are not liable for delays or failures caused by circumstances beyond our reasonable control, including:

• Natural disasters or extreme weather
• Government actions or legal changes
• Strike or labor disputes
• Technology failures or cyber attacks
• Pandemic or health emergencies

14. Governing Law

These Terms are governed by English law. Any disputes will be subject to the exclusive jurisdiction of the English courts.

For disputes relating to professional services, you may also refer matters to the relevant professional body's complaints procedure.

15. Changes to Terms

We may update these Terms periodically. Changes will be effective when posted on our website. Continued use of our services constitutes acceptance of updated Terms.

For existing clients, material changes will be communicated directly with appropriate notice periods.

16. Contact Information

For questions about these Terms or our services:

17. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.