Terms of Service

1. About these terms

These Terms of Service ("Terms") form a binding agreement between Integrox Consultancy Group Ltd ("Integrox", "we", "us") and the person or entity accessing our platform or engaging our professional services ("you", "Client"). By creating an account, submitting an enquiry or instructing us, you accept these Terms. Where you accept on behalf of an organisation, you confirm you are authorised to bind it.

2. Who we are and what we are not

Integrox is a multi-disciplinary professional services firm providing financial, tax, business strategy, immigration, legal and technology consulting. We are a consultancy. We are not a bank, lender, deposit-taking institution, payment institution, insurer, investment manager or government authority, and nothing on the platform is an offer of banking, credit or investment services.

3. Structure of the agreement

Each engagement is governed by (a) these Terms, (b) the service description and scope shown at the point of purchase, and (c) any signed engagement letter or statement of work. Where there is a conflict, the engagement letter prevails, then the service description, then these Terms.

4. Scope of services and deliverables

Each service states what is included, the expected duration and the deliverable. Work falling outside that scope is treated as a change request and is quoted, agreed and invoiced separately. Deliverables are prepared solely for you, for the purpose and on the facts stated at the time, and must not be relied upon by any third party or used for any other purpose without our prior written consent. We assume no duty of care to any third party who obtains a deliverable.

5. Advice, regulated activities and independence

Our output is professional advice, not a guarantee of any outcome. Where an engagement requires regulated advice or representation (for example legal representation, audit, regulated investment advice or immigration representation), it is delivered by a regulated partner firm under our coordination and this is disclosed before you commit. We maintain conflict-of-interest checks and may decline an engagement where a conflict cannot be managed.

6. Account, eligibility and acceptable use

You must be at least 18 years old and provide accurate, current information. You are responsible for the security of your credentials and for all activity under your account. You must not use the platform to submit false or fraudulent information, to infringe third-party rights, to introduce malicious code, to scrape or reverse engineer the platform, or for any unlawful purpose.

7. Client acceptance and onboarding checks

All engagements are conditional on successful client acceptance, including identity verification and anti-money laundering due diligence. We may decline, suspend or terminate an engagement where checks cannot be completed, where information provided is inaccurate, where a conflict exists, or where we are required to do so by law. Completing our checks is not a guarantee of any outcome with any bank, authority or other third party.

8. Fees, taxes and payment

Fees are as quoted at the point of purchase or in the engagement letter and are exclusive of VAT and other applicable taxes unless stated otherwise. Payment is authorised at checkout and captured in accordance with the capture rule shown for the service. Retainer and subscription engagements renew on the stated interval until cancelled. Third-party disbursements (government fees, filing fees, partner firm charges, verification provider fees) are recharged at cost. Overdue amounts may accrue statutory interest and we may suspend work while an invoice is outstanding.

9. Client responsibilities

Our work depends on the accuracy, completeness and timeliness of the information you provide. You agree to provide requested information promptly, to give access to relevant personnel and records, to notify us of material changes, and to make all management decisions yourself. We are not responsible for delays or conclusions caused by incomplete or inaccurate information.

10. Confidentiality

Each party will keep the other's confidential information secure and use it only for the engagement, except where disclosure is required by law, regulation or a professional body, or is made to our advisers, partner firms and subcontractors under equivalent obligations. Confidentiality survives termination.

11. Intellectual property

Subject to payment in full, you receive a non-exclusive, non-transferable licence to use the deliverables for your internal business purposes. We retain ownership of our methodologies, models, templates, tools, know-how and any pre-existing or general materials, and remain free to use the general knowledge and experience gained.

12. Data protection

Each party will comply with applicable data protection law. Our processing of personal data is described in the Privacy Policy, which forms part of these Terms.

13. Warranties and disclaimers

We will perform the services with reasonable skill and care, in accordance with applicable professional standards. Except as expressly stated, the platform and all content are provided "as is" and we exclude all other warranties to the extent permitted by law. Platform availability is not guaranteed and may be interrupted for maintenance.

14. Limitation of liability

Nothing limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot lawfully be excluded. Subject to that, and to the maximum extent permitted by law: (a) our aggregate liability arising out of or in connection with an engagement is limited to the fees paid for that engagement; (b) we are not liable for indirect, special or consequential loss, loss of profit, revenue, goodwill, anticipated savings, business opportunity or data; and (c) we are not liable for decisions taken by third parties, including banks, tax authorities, courts, regulators or immigration authorities. Any claim must be brought within twelve months of the date you became aware of the circumstances giving rise to it.

15. Indemnity

You will indemnify us against claims by third parties arising from your use of a deliverable outside its stated purpose, or from information you provided that was false, misleading or incomplete.

16. Subcontracting and partner firms

We may use subcontractors, member firms and partner firms to deliver part of an engagement. We remain responsible to you for the services we contract to provide, except where a regulated partner firm contracts with you directly, which will be disclosed in advance.

17. Term, suspension and termination

Either party may terminate an engagement on written notice. We may suspend or terminate immediately for non-payment, breach of these Terms, a legal or regulatory requirement, or a failed onboarding check. On termination, fees for work performed and disbursements incurred up to the termination date remain payable; refunds are handled under our Refund Policy. Clauses intended to survive (confidentiality, intellectual property, liability, governing law) continue in force.

18. Force majeure

Neither party is liable for failure or delay caused by events beyond its reasonable control, including acts of government, civil unrest, industrial action, epidemic, failure of telecommunications or utilities, or cyber-attack.

19. Changes to these terms

We may update these Terms to reflect changes in our services, the law or regulatory guidance. The current version is always published on the platform with its effective date. Material changes will be notified to account holders; continued use after the effective date constitutes acceptance. Engagements already in progress remain subject to the version in force when they began.

20. General

These Terms are the entire agreement between the parties on their subject matter and replace all prior discussions. If any provision is held unenforceable, the remainder continues in force. No failure to enforce a right is a waiver of it. You may not assign your rights without our written consent. No third party has rights under these Terms except as expressly stated.

21. Complaints, governing law and disputes

Complaints should be raised in the first instance with your engagement lead or by writing to us; we acknowledge within two business days and aim to resolve within twenty business days. These Terms and any non-contractual obligations arising from them are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction. The parties will attempt good-faith resolution, including mediation, before commencing proceedings.