Terms & Conditions

1. Who we are
a. InvestWise UK is a trading name of InvestWiseUK Ltd, a company registered at Companies House in England and Wales - Company No: 13445926. Our registered office is at 85 Great Portland Street, First Floor, London, W1W 7LT, United Kingdom. These terms are a legal agreement between you and InvestWise UK and cover your use of the company's services and websites. You accept these Terms by signing up for and using the services provided by InvestWise UK.

2. Information Contained on the Website
a. All the material on our website is provided for information purposes only and does not constitute legal, accounting or other professional advice, and it must therefore not be relied upon as such. Whilst we take all reasonable care to ensure that the information is accurate and up to date, we make no representations, warranties or undertakings about any of the information, content or materials provided on the Website. As a consumer of our services, you are responsible for obtaining independent advice from a qualified party, a solicitor or accountant, before acting in reliance on any of the information or purchasing any of the products or services sold on our website.

3. Acceptable conduct - By agreeing to these Terms, you agree:
1. to only use our Services for lawful purposes;
2. that you won't engage in any activity that is harmful or infringes our rights or the rights of others;
3. that you will treat our staff with respect.
4. Fraud - If we suspect that you provide false data or we detect fraudulent activity, we'll record it, and we reserve the right to pass it to the police or other fraud prevention agencies.

4. Our Company Formation Services
a. InvestWise is a specialist online company formation agent registered with Companies House, the UK Registrar of Companies. InvestWise uses the online filing system provided by Companies House to incorporate companies, and by registering your company through us or authorising us to file information on your behalf, you accept that all information will be submitted to Companies House via this electronic filing system. When you purchase a company formation package from InvestWise, you consent to InvestWise using the information provided by you to file with Companies House on behalf of the Company the statutory forms required to implement the company formation or other service you are purchasing.

b. Your information - You're responsible for ensuring the information you provide when using our Services is true, accurate and kept up to date. By using our Services or agreeing to these Terms, you agree to our collection and use of your data as described in our Privacy Policy.

c. In order to register a company in the UK, or to be a company director or LLP member, you must be aged 16 or over, you must not be an undischarged bankrupt, or disqualified from being a director. It is your responsibility to ensure all persons named in your application are eligible to hold their respective positions, and we will not be liable for any rejections by Companies House resulting from the ineligibility of persons named on your application.

d. You are fully responsible for the completeness and accuracy of the information that you provide to us, as well as the choice of the company name which should be lawfully available for use and permissible in accordance with Companies House rules. We do not accept liability of any errors or omissions in the information or documents submitted by you during any process related to your company, nor do we accept liability for any rejections by Companies House, in the event of your company formation application being rejected. If your application is rejected by Companies House, you will not be entitled to a refund.

e. What you will get when you order our company formation service - Details of each Service are provided to you before you sign up and can be found within our website. The details of what you will receive with your order are specified in each of our packages.

f. When you register a company with us, provided you have complied with all the necessary requirements, your company will be formed within approximately 3 to 6 working hours, depending on Companies House processing times and workload, when it can take up to a full day. If you have provided incomplete information or omitted some details, it may take longer for your application to be processed.

g. If your incorporation application is successful, Companies House will issue notification to that effect and your new limited company or limited liability partnership will be ready to trade immediately. Companies House will issue a Certificate of Incorporation and other company formation documentation as described within the package you purchased on our website.

5. Address, Telephone and Telephone Answering Services
Fees for our address, telephone and telephone answering services are payable in advance annually or monthly (where applicable and as indicated on your order).

a. Registered Office Address
When you order and pay for the use of our address, you may use it as your company's official Registered Office Address with Companies House. Official mail addressed to the company will be opened, scanned, and emailed to you free of charge (we do not charge a handling fee). However, if you require the hard copy of the document to be forwarded to you, you will be responsible for paying the Royal Mail postal charges. Official mail includes and is limited to, mail from Companies House, HM Revenue & Customs, HM Courts & Tribunals Service and the Intellectual Property Service. We do not forward any other mail with this service.

b. Director Service Address
When you order and pay for the service, our address may be used as the director service address for the directors, Persons with significant Control, or shareholders of a Ltd company. However, this service is only available when ordered together with the registered office address, and the price is per officer per company. Official mail includes and is limited to, mail from Companies House, HM Revenue & Customs, HM Courts & Tribunals and the Intellectual Property Service. Official mail addressed to the director or officer will be opened, scanned, and emailed to you free of charge. If you require the hard copy of the document to be forwarded to you, you will be responsible for paying the Royal Mail postal charges.

c. Virtual Business Address
When this service is ordered and paid for, the client company may use our address for all correspondence, and we will forward all mail to your specified address. We will not receive parcels on your company's behalf. Our address can be used on your website and stationery as your business correspondence address for the sole purpose of receiving and forwarding mail. For each item forwarded, we charge a 50p handling fee per item (local residents), and £2.00 (international residents) plus the Royal Mail postal charges. Upon signing up for this service you will be asked to pay £20 postal deposit (for UK based clients) and £60 postal deposit for international clients, and where a deposit has not been paid or the balance on your account is insufficient to cover the costs, mail will not be forwarded. UK mail is sent daily, and international mail is sent twice a week.

d. Forwarding of hard copies
Any hard copies of official mail should be requested within 1 month of the date of receipt, and the original document will be forwarded to you within 2 weeks from the request date. All hard copies which have not been requested within 1 month will be disposed of via a confidential waste service.

e. Telephone Answering Service
We will provide you with a London (0203) or (0208) phone number which you can use as your business phone number or divert calls to. Calls will be answered in your company name with messages being sent to you via email. Calls will be answered Monday to Friday, 9:00am to 5.30pm. If we discover or suspect that our services are being used for inappropriate, illegal, unethical or immoral purposes (including cold calling), your services will be immediately suspended pending further investigation.

f. Nominee Director/Shareholder Services

To provide nominee services, we will need proof of identity (photo ID) and proof of address from the beneficial owner (utility bill/bank statement not older than 3 months), and we will need to know the reasons for requiring a nominee director, as well as the nature of the business.
Due to the high level of risk involved, we do not offer our nominee services to certain companies, including cryptocurrency and adult services (sex industry) companies.

6. Cancellation of Service
Cancellation by you. If you are not completely satisfied with our services for any reason, you can cancel (in writing) this agreement within 14 days from the date of order if our address has not been used for any reason. If you do not cancel within 14 days, the service will continue to operate until it expires.

Cancellation by us. We reserve the right to suspend and/or cancel any service with immediate effect for any reason, including (but not limited to): non-payment, suspected use of our address for immoral or illegal activity, using our address for personal mail, inappropriate conduct or anything we consider a misuse of our service. We reserve the right to cancel the service you have with us if a bailiff or debt collector visits our premises. We further reserve the right to pass on your details to a bailiff or debt collector should this occur. Where the service is cancelled by us for any reason, we shall have no obligation to refund you for services already paid for, other services or any other loss or expense incurred. After cancellation of the address service, it is your responsibility to update Companies House with the right address, and if the service is cancelled and our address is still used on Companies House within the next month, we will take actions to remove the address as per Companies House procedures. Clients will be notified, and all mail received will be returned to sender.

7. Renewal of Address and Telephone Services
It is your responsibility to renew your service with us annually or monthly. A renewal notice will be sent out via email 30 days (7 days on monthly packages) prior to the date of renewal. If we do not receive confirmation of your intention to renew by the renewal date the service will stop without further notice. Mail will be returned to sender after 7 days and calls will not be answered. We reserve the right to refuse a renewal of any service for any reason.

8. Proof of ID and Address
a. In order to comply with 'Anti-Money Laundering' (AML) regulations and 'Know Your Customer' (KYC) requirements all company formation agents, including InvestWise have a legal obligation to check proof of ID and proof of address documents. We use an online proof of ID check system to validate your identity. Once you have bought our services and formed your company, we will send you an email requesting you to validate your identity with Credas, whom we have partnered with to process customer checks.

b. You will be required to provide your ID documents and complete the checks within 1 week of your initial payment. If you fail to complete the checks, we will have no option but to make a report to Companies House who may strike out your company. We will also terminate your use of our Registered Office and Director Service Addresses. Any mail will be returned to sender and phone calls unanswered until proof of ID and address has been received and accepted.

c. The following persons need to provide proof of ID: Directors, Persons with significant Control (PSCs), anyone who buys a package containing our address services. If one of your directors or Person with Significant Control is a company and not a person, you would need to provide a certificate of incorporation and documents which show the company name, company number, registered office address and company officers of that company.
d. Proof of ID accepted: Passport, Driving licence (photocard only, no paper UK driving licences can be accepted), National identity card, HM Forces identity card, Student Card (must be current), Employment identification card, Disabled drivers blue pass.

e. Proof of Address accepted: We require proof of residential address which must be dated within the last 3 months. Documents accepted: telephone bill, mobile bill, utility bill, mortgage statement, council tax bill, bank statement or credit card statement. If a client's address has changed, it is the client's responsibility to update their account with their new proof of address.

9. Our Payment Terms
The price and payment terms for any product or service is provided to you before you sign up and can be found on our website and includes all taxes. If you purchase a Service, these payment terms apply to your purchase. To pay for a Service, you will be asked to provide a payment method at the time you sign up for the Service, and by providing us with a payment method you represent that you are permitted to use that payment method and that the payment information is correct. You also agree that we can charge you for the Services using your payment method and for any other paid for Service that you choose to sign up for while these Terms are in force. When you purchase our Services on a subscription basis (e.g.: a yearly service) we will not automatically renew your subscription but will notify you 4 weeks in advance about the expiry of your subscription, and any increase to the price of that Service and you will have an opportunity to renew the service if still required. After we have given you notice and you take no steps to renew the service, we will cancel the Service to which that renewal relates, if you do not pay the overdue amount before the expiry date.

10. Our obligations to you
Providing the Services - We will provide the Services to you with reasonable skill and care and we will obtain and provide the information we make available to you through the Services with reasonable skill and care. If we fail to comply with these Terms or we do not use reasonable care and skill when providing the Services to you, we are responsible for foreseeable losses or damages that you incur. Loss or damage is foreseeable if, it would have been expected by you or us, at the time the contract was made. We are not responsible for loss or damage suffered by you as result of -

1. circumstances beyond our reasonable control; (for example, industrial action taken by third parties or network or system failure of one of our data providers) but only where we have taken reasonable steps to prevent or minimise any impact on the services.
2. any business losses that you incur
3. false, inaccurate or incomplete information provided by you.

11. Exclusion of liability to you from the use of the Website
a. The Website is provided on an "AS IS" and "AS AVAILABLE" basis without any representation or endorsement made, and without warranty of any kind - whether expressed or implied - including, but not limited to, the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.
b. Any and all liability to you that may arise from your access to and use of the Website, whether due to negligence, breach of duty or otherwise, is excluded to the maximum extent permitted by law.
c. No warranty is given that the functionality of the Website will be uninterrupted or error free, that defects will be corrected or that the Website or the server that makes it available are free of viruses or anything else which may be harmful or destructive.
d. We do not exclude or limit our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or that of our employees or agents.
e. While our website may provide links to third-party resources and websites that may be of interest to you, we are not responsible for the content of those resources or websites. Links to other websites are provided for information purposes and for your convenience and should not be taken to imply that we approve of those sites or that we have any association with its owners. We do not have control of any linked sites, and we are not responsible or liable for the privacy or breach of privacy related to your personal information that you may provide to linked websites.

f. In providing some of its services, InvestWise works in partnership or contractual relationship with third parties to provide the requested product, service or functionality for the Website's users and customers. By using any product, service or functionality originating from our website, you acknowledge and consent that we may share such information and data with any third party with whom we have a contractual or partnership relationship.

12. Username and password
The website may provide the facility to register in order to gain enhanced access privileges or in order to purchase products or services. If you register, it is your responsibility to maintain the confidentiality of your password. You should not disclose your password to anyone else. We are not responsible or liable for any loss or damage you may incur resulting from breach of this clause.

13. Force Majeure
a. In connection with the supply of any goods or services ordered by you through the Website, we shall not be liable for any delay or failure to perform any of our obligations if the delay or failure results from events or circumstances outside our reasonable control. Such circumstances include - though are not limited to - acts of God, strikes; lock outs; accidents; war; acts of terrorism; fire; or failure of any communications, telecommunications or computer system. We shall be entitled to a reasonable extension of our obligations to you (to the extent we owe any such obligations) should a Force Majeure event occur.

b. If a Force Majeure event to which this clause applies does occur, we agree to notify you as soon as practicable. If the Force Majeure event continues for more than 14 days, either party shall have the right to cancel the agreement. Where services have been paid for in advance but have not been rendered, you will be entitled to a full refund from the date of cancellation for all such services.

c. By accepting these terms, you fully agree to indemnify us from any such claim. You also fully agree to indemnify us from any claim arising from whatever reason, from a third party, and that any such claims will be handled solely and completely between yourself and the third party. If the third party fails to deliver on a service, we will not be liable, nor applicable to any form of refunds or compensation claims related to the service.

d. We will under no circumstances whatever be liable to you, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, arising under or in connection with the Contract for, any loss of profits, sales, business, or revenue, loss or corruption of data, information or software, loss of business opportunity, loss of anticipated saving, loss of goodwill or any indirect or consequential loss.

14. Disputes
a. Any disputes or claim arising out of or in connection with these Terms and Conditions shall be governed by and construed in accordance with the law of England and Wales. The courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with a Contract or its subject matter or formation.

Refunds policy

1. Company formation service
a. If you purchase our company formation package but change your mind before submission of the company details to Companies House, we will refund all your payment. However, if your information is already submitted to Companies House, no refund will be issued even if your company formation is rejected.
b. If we have to refund you because you have failed the KYC and AML verification checks and we are unable to incorporate the company, an administration fee of £12 will be deducted from your refund amount, to cover the costs of the checks.

2. Address services
a. You are entitled to a cancellation period of 14 days, and you can cancel your address service within 14 days of order date. If we have already processed your order and set up your address service, you will be entitled to a refund of the fee paid to us minus a 10% plus VAT administration charge per address service to cover the cost of order processing, service set up and any other incidental costs.
b. No refunds will be issued after 14 days of your order date, and no refunds will be issued if the cancellation is because of your failure to complete the ID and proof of address checks in accordance with the Anti-Money Laundering and KYC Regulations. Your address service will be cancelled, and you will not receive any refund.
c. Either party may cancel an address service by giving the other party a full calendar months' notice in writing.

3. All other products and services
a. If you choose to pay for your purchase by PayPal, any refund from us will deduct the PayPal fee as this amount is not received by us, but is retained by PayPal.
b. You are entitled to a cancellation period of 14 days following the date that your subscription for a Service is activated ("Cooling Off Period"). A full refund minus £12 administration charge will be issued to you if you cancel within 14 days of your order, and no refunds will be issued after 14 days of your order date.
c. If we have to refund you for any reason after we have already carried out Anti-Money Laundering and KYC checks in line with the regulations, we will deduct £12 administration fee from your refund (this is to cover our admin time and the cost of the checks).

Complaints Policy

Customer complaints
a. If you are unhappy with the service that we have provided you, please contact our customer service manager by calling 020 7205 2717, to speak to the manager who may be able to resolve the problem for you.

b. If, after speaking to the manager you remain dissatisfied and you have failed to get your problem resolved, you may make a formal complaint by sending an email to email@Investwiseuk.com Please quote your full name and order number in your email and mark the subject of your email as "Customer Complaint" in the subject field of your email.

c. After we receive your formal complaint, we will acknowledge your correspondence within a day, and we will carry out an investigation into the issues raised in your complaint. Depending on the complexity of the issue, we aim to resolve the problem within a day or at most, 3 working days. We will update you by email, and let you know the outcome or when you can expect your problem to be resolved.