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Our Terms & Conditions For Business
Please ensure that you have read and understood the details contained within these Terms and Conditions. We intend to rely on these details if there is ever any question about the content or the impact of any actions we may commit. If there are any areas that you do not fully understand or have any reservations, please query them immediately and sign this document only when you have gained total satisfaction on your enquiry. Compliance Consultant is a trading style of IYC Cubed Limited.
If you engage Compliance Consultant by email as a query, on acknowledgement we will provide a link for you to download this document. We may send you this document as an attachment. If you engage us by telephone, this will be confirmed by an email as above.
If you accept the work proposed by Compliance Consultant in any proposal, scheme of work or other agreement requiring your signature as well as ours, a copy of these Terms & Conditions will be attached as part of the presentation pack.
All work carried out by or at the responsibility of Compliance Consultant for clients is subject to these Terms & Conditions. These terms may be varied or excluded (in whole or in part) by any proposal, scheme of work or other agreement, including any subsequent agreement in writing originated and communicated with and on behalf of Compliance Consultant and the client, but not otherwise. Email exchanges including instructions, enquiries or other requests will be considered acceptable only if they are from the client’s business domain.
Compliance Consultant represents, warrants and covenants that at all times it complies with all applicable laws and regulations (and as such laws and regulations may have been amended or may be amended from time to time in the future) in performing its obligations.
Compliance Consultant confirms that it does not discriminate against any employee or applicant for employment because of race, colour, religion, sex, national origin, age, disability, sexual orientation, creed, citizenship status, marital status or any other category protected under any law or regulation, in respect of any matter, including the following: employment, promotion, demotion or transfer, recruitment or recruitment advertising; layoff or termination; rates of pay or other forms of compensation; and selections for training, including apprenticeship.
Compliance Consultant complies with all privacy and data protection and other laws, rules and regulations, including without limitation the Data Protection Act 1998, as amended from time to time.
For the purposes of this clause, the words and phrases used shall have the meanings ascribed to them by the Data Protection Act 1998. In the event that during the course of our work either party comes into possession of, or processes personal data in respect of inter alia the other party’s clients, employees or agents (‘Data’) then each party agrees and undertakes that it will comply with the obligations imposed by the Data Protection Act 1998, and in particular each party confirms that it has in place appropriate technical and organisational measures sufficient to satisfy the requirements of the Data Protection Act 1998 and which shall include appropriate technical and organisational measures so as to:
- prevent the unauthorised or unlawful processing of the data;
- prevent the loss, falsification or destruction of, or damage to the data; and
- ensure that adequate measures are imposed to prevent the introduction of any viruses which may corrupt, delete or otherwise affect the integrity of the data.
Compliance Consultant confirms that when it is processing data it will act on your reasonable instructions allowing for our reasonable needs for appropriate backup, systems administration and quality control purposes.
Acceptance of Proposals
Proposals, schemes of work or other agreements submitted by Compliance Consultant shall, unless otherwise stated therein, remain open for acceptance for thirty days from the date of submission to the client. Acceptance shall be valid only if made in writing, signed by or on behalf of the client, alternatively initial or full payment made to our bank. Variation of the terms of a proposal shall be effective only if specified in the written acceptance and countersigned by a director or another authorised representative of Compliance Consultant.
Extension of proposal terms is possible subject to a 20% deposit (non-refundable) which extends the proposal terms and costs for up to 91 days. Work postponed in this way will take priority over new or ad-hoc work but will all be subject to availability of resource managed by Compliance Consultant.
Commencement of Work
Unless otherwise stated in the proposal, the client shall take all steps to enable Compliance Consultant and/or its associates to begin work not later than thirty days after acceptance of the proposal unless otherwise agreed. The client will make available or place at Compliance Consultant’s disposal all information facilities and personnel reasonably required by him to carry out its work, and generally will co-operate with him in all reasonable ways. Work carried out is guaranteed for up to three months and quality assurance is expected to be conducted within this time by the client.
Compliance Consultant will take all reasonable steps to meet the wishes of clients in the selection of sub-contractors and associates but reserves the right (unless otherwise required in writing by the client in its acceptance of a proposal) to employ, discharge or replace at any time any sub-contractor or associate in carrying out work for clients. References in a proposal to the utilisation of the services of a particular person as sub-contractor or associate shall imply only that Compliance Consultant has consulted and intends to employ or retain such person but shall not imply that contractual arrangements have been made for such employment or retention. Where we do that, we shall be responsible entirely for the services provided unless we agree otherwise with the client that another firm or firms will be responsible to the client for their work and that we shall only be responsible for the work undertaken by Compliance Consultant.
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) at the same time concur that the suggested purchase stands as well as will certainly not practically allow a circumstance where "double-billing" or "replicate access" might occur.
As soon as the miners have actually gotten to an enough agreement and also the purchases are accepted-- only after that will certainly the brand-new entrances be allowed to be upgraded and also dedicated to the journal. The miners obtain payment through freshly developed electronic money and/or by obtaining a charge for handling purchases.
Even more, the BlockChain design journal preserves a possibly clear as well as complete "Audit-Trail" of all purchases ever before made through that specific journal.
The Financial Conduct Authority( FCA) in their 2016/17 Business Plan as well as Risk Outlook state that "Blockchain modern technology stands for an alternate strategy to the risk-free storage space of details of worth such as profession implementation, negotiation and also cleaning and also wardship. It could attend to safe, instant and also clear verification of info that could after that be dispersed to all interested celebrations without the requirement for a main record-keeping authority. While this brand-new different strategy has several benefits, it additionally provides brand-new obstacles connected to information personal privacy, flaw adjustments, as well as count on decentralised economic maintenance."
Flaw modifications come to be less complicated as the purchase route is clear and also must be a great deal much less of a problem depending on the top quality of the software program (so we are back to an individuals danger). As for depend on in a decentralised monetary system, there is not that much count on in a centralised system these days, so the possibility of structure count on in a clear as well as electronic, instantaneous and also unerring system can be truly simple to get rid of.
The Bitcoin money gathered some rather negative promotion for evidently permitting some criminals (dope dealer, loan launderers) to utilize this brand-new electronic money to hide their real identifications and also make money from their ill-gotten gains. In lots of detects, the online money is exactly what possibly offers Blockchain innovation with such a wide allure.
Several Governments think BlockChain technology can boost the distribution as well as streamline of vital otherwise all solutions as well as encourage main lenders and also embattled regulatory authorities to do their works better.
Could this be the fatality knell for today's economic solutions or a possibly brand-new system for reinvention? There will certainly be risks and also possibilities in differing levels as well as certainly blockchain will certainly develop champions as well as losers. While there's a whole lot of talk as well as vast supposition concerning federal governments and also financial institutions trying to develop electronic moneys, it shows up so much it's been mainly words.
A noticeable beginning factor is that it will certainly make it possible for more affordable and also much safer worldwide transfers of cash money, evidently one of the inspirations behind the Japanese financial institution's choice, according to experts at Jefferies. Ethically as well as morally Governments will possibly have to back the advancements, offered that electronic journals possibly would permit not just for instantaneous recognition of that possesses exactly what, however additionally give a history testing or credit history merit check at the very same time.
In resources markets, electronic moneys like the MUFG Coin (not a conveniently reconcilable term) might make it possible for immediate negotiation of protections professions, which would certainly anticipate the objective of industries such as the Stock Exchanges int beneficiary existing kind and also successfully offer real-time liquidity. The bottom line is that unlike existing kinds of online cash, backed by only their one-of-a-kind code, these brand-new variations will certainly be backed by federal governments fiat money. By utilizing this durable backing the sort of conjecture as well as swings that Bitcoin showed can be squashed or a minimum of toughened up.
Think of just how this possibility might transform not simply existing financial frameworks, however possibly change the demand for reserve banks as well.
Exactly what is interesting is that a politically independent Global Currency system of exchange that could be, if essential, moved to or from various other systems of exchange, in a much faster settlement system, clearing up in mins. This has actually definitely recorded the creativity (as well as substantial Research as well as Development Funding) from among the globe's biggest financial companies, the typically staid "Old Lady of Threadneedle Street" our Bank of England.
A few of the entities listed below are persistently functioning away at finding out simply exactly how they could make use of the BlockChain innovation to at the very least remain in the video game, or companion with various other companies, consist of;
All retail, business and also vendor financial institutions, along with residential and also international debt racking up as well as ranking companies, facilitators as well as providers of credit rating or debit card centers, home mortgages and also protected financing, company and also community bonds, T-bills as well as asset-backed safeties making use of BlockChain, can examine credit reliability prior to releasing, trading and also resolving typical financial obligation tools straight, decreasing the counterparty dangers and also enhancing openness. The unbanked minorities and also possibly all business owners almost everywhere might access financings from peers and also with peer to peer systems.
Market production will certainly undertake extensive modifications as monetary properties removal from a historical paper-based layout to an indigenous electronic layout based on BlockChain. Negotiation times on deals could be decreased from days (or also weeks in some instances) to mins or potentially secs.
The halcyon days of entrepreneurship can well be after us. Ethereum, is a BlockChain system sustained by Microsoft, Manulife, Deloitte and also others, as well as obtained its beginning as a "BlockChain IPO", providing indigenous symbols for bitcoins. No demand for lenders, attorneys, auditors and also supply exchanges.
By utilizing reputational racking up systems based on an individual's social as well as financial resources, insurance firms will certainly be able to make much better notified choices. This might describe why Manulife simply introduced a front runner contract with BlockChain programmer Consensus Systems.
Conventional bookkeeping techniques generally fall short to maintain speed with the speed and also intricacy of modern-day funds. The BlockChain's dispersed journal system (pointed out over) will certainly make bookkeeping clear with time-stamped 3rd access on a BlockChain, which will certainly make it possible for monetary controllers along with regulatory authorities to much more quickly scrutinise monetary activities within a firm in actual time.
Some experts are currently declaring the BlockChain innovation as declaring the dawning of some kind of New Age while others are just interested in exactly how much loan they could conserve or make by getting rid of ratings of back and also mid workplace prices as well as the like. Still others are not yet persuaded that their existing structures as well as designs are as yet repetitive as well as are bailing-out their watercraft with their tsp.
The Financial Conduct Authority( FCA) in their 2016/17 Business Plan and also Risk Outlook state that "Blockchain innovation stands for a different strategy to the risk-free storage space of info of worth such as profession cleaning, implementation and also negotiation and also custodianship. All retail, business as well as vendor financial institutions, along with residential as well as international credit report racking up as well as ranking companies, facilitators and also companies of credit score or debit card centers, home loans and also safeguarded financing, company as well as metropolitan bonds, T-bills as well as asset-backed safeties making use of BlockChain, might inspect credit reliability prior to providing, trading as well as clearing up typical financial debt tools straight, decreasing the counterparty dangers and also boosting openness. Market production will certainly go through extensive modifications as monetary possessions removal from a historical paper-based layout to an indigenous electronic style based on BlockChain. Ethereum, is a BlockChain system sustained by Microsoft, Manulife, Deloitte as well as others, as well as obtained its beginning as a "BlockChain IPO", releasing indigenous symbols for bitcoins. Some experts are currently declaring the BlockChain innovation as proclaiming the dawning of some kind of New Age while others are just interested in just how much cash they may conserve or make by removing ratings of back and also mid workplace prices and also the like." >
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Payment of Fees and Expenses
All fees expenses and other sums payable to Compliance Consultant by the client shall be payable on receipt and considered due as one day after submission to the client and usually not later than at the end of each calendar month or the end of the proposed work occurs, whichever is the sooner. All payments are to be made by bank transfer unless previously agreed in writing. Agreed expenses (if applicable) shall be reimbursed to Compliance Consultant by the client at cost and will be invoiced at the end of the week they are incurred. For longer term projects, advanced settlement discounts may be available. All projects or ad-hoc exercises of less than one week duration requires full payment up-front and cleared before work commences. We may offer to do the work with payment due on completion, however this is entirely at our discretion. BACS payments can take three working days to clear. For projects of greater length than one week, deposit payments of at least 50% are required. Cheques are only accepted in rare exceptions and by prior agreement. Payments by cheques, if agreed, have to be received by Compliance Consultant 10 working days before work is due to commence. Any Discounted Offers will require advance payments. If any invoice is not paid within 30 days’ interest may be added from the date of invoice at a rate not exceeding 3% per annum above the previous 3 month averaged London Interbank Offer Rate (LIBOR) adjusted from time to time.
Where payments are agreed (in writing prior to engagement), to be paid in arrears, typically for items such as such as for publications or articles etc., including any blog, webinar or other online activity, invoices will be issued immediately post event or provision of said material and will be payable within 7 days from the date of invoice.
We guarantee our work and as such all payments are due before the start of any work or ‘planning’ meetings. If you wish to postpone, delay or reschedule, you may do without penalty and without time limit. If payment is to be split (usually with 50% up-front) the remainder is payable by the end of 65 days from the payment of the initial fee. No refunds are provided and all remaining payments are due as specified, regardless of other issues.
Termination or Breach by Client
If, after acceptance of a proposal, the client shall terminate or be in serious or (after warning) repeated breach of its agreement with Compliance Consultant or act in such a manner as to render the performance of the agreement by Compliance Consultant wholly or substantially impossible, then Compliance Consultant’ obligations under the agreement shall cease forthwith. In such a case the client shall immediately pay to Compliance Consultant all fees and expenses (including all the expenses of or caused by or arising out of such termination) and other sums then owing to Compliance Consultant (and if invoice based engagement based on an average for the last three paid invoices to the end of the next month) under the agreement together with a sum equal to the whole of any project or other outstanding fees thereafter remaining to be paid under the agreement.
Cancellation before or after the start
You may cancel and re-schedule the project and its components without penalty; subject to mutually agreeable dates. However, we cannot be accountable for the original objectives in the event of delay exceeding ninety days, and all obligations on our part will cease after six month from the rescheduling date, unless otherwise agreed in writing by both parties.
If registered, Value Added Tax (“VAT”) will be added to invoices unless proof has been provided to us that VAT is not payable. An original of the letter from the HMRC will be required by us to be copied and returned. Our VAT reference will be provided on invoices if applicable.
Compliance Consultant is not able to provide any advice that would be considered or construed a regulated activity in accordance with the Financial Services and Markets Act 2000. If we consider that a service might involve both non-regulated advice and regulated activities we may be able to provide the service on condition that you select another firm for the element consisting of regulated activities. We will inform you where this is the case.
Travel & Travelling Expenses
Where travelling expenses (except mileage) is paid or payable by Compliance Consultant are to be reimbursed by the client they shall be charged at cost. The standard rate for mileage is £0.50 per mile unless otherwise stated. If Consultants are required to undertake additional travel to their normal working requirements, first, business or premier class (as applicable) is acceptable to enable work to be completed whilst travelling and travelling time will be a part of the costed service, if applicable.
Foreign Currency Expenses
Where any expense to be reimbursed by the client is paid by Compliance Consultant in a currency other than Sterling it shall (unless otherwise stated in a proposal) be reimbursed in Sterling calculated at the official rate of exchange prevailing at the date when the expenses were paid for including any administration, handling, conversion or other fee charged.
If, after the acceptance of a proposal, scheme of work or other agreement the rights of Compliance Consultant or of the client under the agreement are wholly or substantially diminished or the performance thereof rendered wholly or substantially impossible by reason of force majeure, then the obligations of both parties shall cease forthwith except that the client shall pay to Compliance Consultant all fees and expenses then owing to him (including all the expenses of or caused by or arising out of such termination) together with a sum equal to whichever is the lesser of the fees remaining to be paid thereafter or a proportion of the total fees equivalent of up to a maximum of thirty days’ work calculated pro rata against the total time estimated for the project.
All surveys, forecasts and recommendations in any proposal, report or letter are made in good faith and on the basis of the information before Compliance Consultant at the time. No statement in any proposal, report or letter is to be deemed to be in any circumstances a representation, undertaking, warranty or contractual condition. Compliance Consultant shall not be liable to the client for any indirect or consequential loss or damage. The total liability of Compliance Consultant to the client shall not exceed the value of the contract. This amount includes any and all claims combined, including any costs and lawyers’ fees awarded.
We will not be liable for any loss caused by reliance on our advice if the loss would have been avoided by you seeking, in a competent manner, additional advice (or, where relevant, instructions) from another individual or committee within your firm, or from legal or other advisers, or from your insurers, provided we advised you to seek such additional advice or if in the circumstances it was reasonable for you to do so. If we advise you to seek legal advice you must allow us to see that advice before you rely on the advice we have given you.
Compliance Consultant intends to employ the methods, procedures, techniques, personnel and sources of information set out in the Proposal, but reserve the right to vary these as necessary or desirable in order to achieve the aims of the project.
Conflicts of Interest
Compliance Consultant will immediately inform our client base at any time if it becomes aware of any conflict of interest at any stage through our relationship with suggestions of how best to deal with the issue. A copy of our Conflicts of Interest Policy is available on request
Copyright is reserved to Compliance Consultant in all Proposals, reports, surveys and other documents produced or commissioned by Compliance Consultant under or in connection with any agreement with a client. No such document shall be copied or published (in whole or in part) or disseminated to any third party without the written permission of Compliance Consultant Consultancy. Permission will not be unreasonably withheld or withdrawn provided in all cases that Compliance Consultant is satisfied that the copying or publication will not cause offence to or infringe the rights of any third party and provided further that Compliance Consultant is satisfied that such copying or publication will be of the whole of the document concerned and not of a part or selection therefrom. Any IP rights incurred by client sponsored resource will remain with the client.
All Proposals, reports, surveys and other documents produced or commissioned by Compliance Consultant will be treated by Compliance Consultant as confidential to the client concerned and will not be shown or passed to any third party without express written permission of the client. A copy of our Data Security Policy is available on request.
These terms of business and all documents, arrangements and agreements to which they apply shall be construed and have effect in accordance with the laws of England, and the client accepts the exclusive jurisdiction of the English courts.
If any dispute or difference shall arise between Compliance Consultant and a client concerning the meaning or effect of these terms of business or of any agreement between them to which these terms apply then if the same cannot be settled amicably it shall be referred to the arbitration of a single arbitrator to be agreed by the parties or in default of agreement to be appointed by the President for the time being of the Law Society, London. The costs of any such arbitration shall be in the discretion of the Arbitrator whose award will be considered and taken by the parties as final and binding.
Please acknowledge the terms and conditions set out in this document by signing and returning a copy of the document to us.