1. Acceptance of Terms

By accessing or utilizing Vestra Advisory services, you confirm that you possess the legal authority to enter into this agreement on behalf of yourself or the business entity you represent, and you agree to comply with these Terms, our Privacy Policy, and any additional guidelines specific to your chosen tier.

2. Description of Services & Advisory Scope

Vestra Advisory provides professional bookkeeping, cloud accounting automation, bank feed reconciliations, management financial reporting (P&L, Balance Sheet, Cash Flow), and fractional CFO advisory across our tiered service plans (Ledger, Balance, Advisory, CFO Suite):

• Accounting Services: We organize, categorize, and reconcile your business transaction data based on the documentation, bank feeds, and records provided by you.
• Independent Verification: While our team includes qualified accounting professionals and CPAs, you acknowledge that our standard bookkeeping services do not constitute a formal statutory audit or legal certification unless explicitly contracted under a separate statutory engagement letter.

3. Client Responsibilities & Data Accuracy

To ensure precise financial reporting, you agree to:

• Provide timely, complete, and accurate transaction receipts, sales logs, and bank statement access.
• Review monthly financial reports promptly and report any discrepancies within thirty (30) days of receipt.
• Maintain proper authorization for all business accounts and banking connections linked to our services.

4. Subscriptions, Fees, and Payment Processing

Certain features and ongoing bookkeeping packages require paid subscriptions:

• Billing Cycles: Subscription packages are billed in advance on a recurring monthly or annual basis via secure payment processors (such as Stripe).
• Automatic Renewal: Plans automatically renew at the close of each billing period unless cancelled through your client portal or by notifying customer support prior to renewal.
• Currency & Taxes: Fees are quoted in your regional currency (USD, EUR, or GBP) and exclude applicable value-added taxes (VAT/Sales Tax) unless explicitly stated.
• Refund Policy: Due to the immediate allocation of dedicated bookkeeping staff and cloud infrastructure, fees paid are non-refundable, except where mandated by applicable consumer protection laws.

5. Proprietary Rights & Client Data Ownership

• Your Financial Data: You retain full, exclusive ownership of all proprietary financial data, ledger records, invoices, and source documents uploaded or synced to Vestra Advisory.
• Platform IP: All proprietary software, user interfaces, branding, logos, algorithms, and analytical reporting designs are the exclusive property of Vestra Advisory Ltd.

6. Confidentiality & Security

Both parties agree to treat all financial, business, and operational information exchanged as strictly confidential. Vestra Advisory enforces TLS 1.3 encryption, AES-256 storage standards, and rigorous internal confidentiality protocols to ensure your numbers remain private.

7. Limitation of Liability

To the maximum extent permitted by applicable law:

• Vestra Advisory shall not be liable for any indirect, incidental, punitive, or consequential damages, including loss of profits, penalties arising from late receipt of client records, or inaccurate data provided by the client.
• Our total aggregate liability under any circumstances shall be limited to the total fees actually paid by you to Vestra Advisory in the three (3) months preceding the incident giving rise to liability.

8. Termination of Service

Either party may terminate the service agreement at any time upon thirty (30) days' written notice. Upon termination, you will retain access to download your historical accounting records and ledgers.

9. Governing Law & Jurisdiction

These Terms shall be governed by and interpreted in accordance with the laws of the United Kingdom, and the courts of the United Kingdom shall have exclusive jurisdiction over any disputes arising hereunder.

10. Contact Us

For questions or formal notices concerning these Terms of Use, please reach out to:

• Legal Entity: Vestra Advisory Ltd.
• Registered Address: International House, 10 Churchill Way, Cardiff, CF10 2HE, United Kingdom
• Legal Counsel Email: legal@vestra-advisory.com
• Client Support: support@vestra-advisory.com