Terms & Conditions

We provide three broad categories of service. Primary Services cover accounting, bookkeeping, payroll, VAT and tax compliance, reconciliations, and statutory financial reporting. Secondary Services cover WordPress development, social media marketing, SEO, and graphic design. Virtual Services cover thirteen dedicated files of remote personal and administrative support, including immigration, insurance, banking, healthcare coordination, and travel arrangements, as described on our website.

The specific scope, deliverables, and timeline for any engagement will be confirmed with you directly, whether by email, a signed engagement letter, or another agreed method, before work begins.

You agree to provide accurate, complete, and timely information and documentation needed for us to deliver the agreed service. Delays or inaccuracies in the information you provide may affect our ability to meet agreed timelines or the accuracy of the outcome, and we are not responsible for consequences arising from incomplete or incorrect information supplied by you.

For Virtual Services in particular, you remain responsible for the underlying legal, financial, or personal decisions involved — we act on your instructions and manage the administrative process, but the decisions themselves remain yours.

An engagement begins once we have agreed the scope of work with you and, where applicable, received any required deposit or signed engagement letter. We reserve the right to decline or terminate an engagement where we reasonably believe it falls outside our expertise, presents a conflict of interest, or where required information cannot reasonably be obtained.

Fees for our services are agreed with you in advance, either as a fixed fee, a retainer, or on another basis appropriate to the engagement. Invoices are payable within the timeframe stated on the invoice, and we reserve the right to pause work on an engagement where payment is significantly overdue, having given reasonable notice.

Fees quoted do not include third-party costs incurred on your behalf as part of a service — such as government application fees, insurance premiums, or travel and accommodation costs — which remain payable by you directly or reimbursable to us where we have paid them on your behalf.

We treat all client information as confidential and will not disclose it to third parties except as necessary to deliver the agreed service, with your authorisation, or as required by law. Our full approach to your personal data is set out in our separate Privacy Policy, which forms part of these Terms by reference.

For Secondary Services such as web development, design, and marketing deliverables, ownership of the final agreed deliverables transfers to you upon full payment, unless otherwise agreed in writing. We retain the right to showcase completed work in our portfolio unless you request otherwise in writing.

Any underlying tools, templates, or frameworks we use to deliver a service remain our property or that of the relevant third-party licensor, and are not transferred as part of the engagement.

Our Virtual Services involve coordinating with third parties — government bodies, insurers, banks, schools, healthcare providers, and travel or accommodation providers — whose decisions, timelines, and outcomes are outside our control. We manage the administrative process diligently on your behalf, but we do not guarantee any particular outcome, decision, or timeframe from a third party.

Where a service touches on legal, immigration, tax, or medical matters, our role is administrative and coordinative unless explicitly agreed otherwise; where formal legal, tax, or medical advice is required, we will advise you to consult, or will coordinate with, an appropriately qualified professional.

You may cancel an ongoing engagement by providing written notice to us. Fees for work already completed up to the point of cancellation remain payable. Any refund of fees paid in advance for work not yet carried out will be assessed on a case-by-case basis and agreed with you directly.

Third-party costs already incurred on your behalf at the point of cancellation — such as a submitted government application fee or a booked, non-refundable reservation — are non-refundable by us and remain your responsibility.

To the fullest extent permitted by applicable law, our liability for any claim arising from an engagement is limited to the fees paid by you for the specific service giving rise to the claim. We are not liable for indirect, incidental, or consequential losses, or for outcomes determined by third parties outside our control, such as a government authority’s decision or an insurer’s settlement offer.

Nothing in these Terms limits liability that cannot lawfully be limited or excluded, including liability for our own fraud or wilful default.

You agree to indemnify us against any claims, losses, or costs arising from inaccurate or incomplete information you have provided, or from your misuse of any deliverable or advice provided as part of an engagement, except where such claims arise from our own negligence or breach of these Terms.

These Terms are governed by the laws of Pakistan, without prejudice to any mandatory consumer protection or data protection rights you may have under UK law where you are a UK-based client. Any disputes arising from these Terms will first be addressed through good-faith discussion between the parties.

If a dispute cannot be resolved through direct discussion, both parties agree to attempt resolution through mediation before pursuing formal legal proceedings, except where urgent injunctive relief is required.

We may update these Terms from time to time to reflect changes in our services or legal requirements. The “last updated” date at the top of this page indicates the most recent revision. Continued use of our services after an update constitutes acceptance of the revised Terms.