Terms and Conditions

Last Updated: August 2026 

1. Introduction and Acceptance of Terms 

These Terms and Conditions (“Terms”) form a legally binding agreement between you and Sterling & Wells (“Sterling & Wells”, “we”, “us” or “our”) governing your access to and use of our website at https://sterlingandwells.com , and any related content, tools or online services made available through it (together, the “Site”).  

Please read these Terms carefully before you start to use our site, as they apply to your use of it. We recommend that you print or save a copy for future reference. 

By accessing or using the Site, you confirm that you have read, understood and agree to be bound by these Terms in full. If you do not agree, you must stop using the Site immediately.  

You confirm that you are at least 18 years old and have the legal capacity to accept these Terms, whether on your own behalf or on behalf of an organisation you are authorised to represent. These Terms are available in English only, and English is the language of the contract. 

2. Other Applicable Terms

These Terms refer to the following additional terms, which also apply to your use of our site:  

• Our Privacy Policy https://sterlingandwells.com/privacy-policy/ which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing, and you warrant that all data you provide is accurate, 

• Any separate written Engagement Letter agreed between you and Sterling & Wells for the provision of Services, which governs the services themselves and takes precedence over these Terms to the extent of any conflict. 

3. Definitions 

In these Terms, unless the context otherwise requires:  

• “Terms” means these Terms and Conditions, as amended from time to time in accordance with clause 1.  
•  “Site” means our website at https://sterlingandwells.com, together with any related content, tools or online services made available through it. 
• “Content” means all text, graphics, logos, design elements, source code and material published on the Site.  
• “Marks” means all trademarks, service marks, trade names and logos displayed on the Site. 
• “Services” means the accounting, tax, payroll, VAT and related advisory services described on the Site.  
• “Engagement Letter” means: any separate written agreement setting out the specific terms on which we provide Services to a client.  
• “Privacy Policy” and “Cookie Policy” mean our published policies (available on the Site) describing how we handle personal data and cookies, each incorporated into these Terms by reference.  
• “Data Protection Legislation” means the UK General Data Protection Regulation, the Data Protection Act 2018, and the Privacy and Electronic Communications Regulations 2003, each as amended or replaced from time to time.  
• “Force Majeure Event” means any event beyond a party’s reasonable control, as described in clause 15.  
• “Business Day” means a day (other than a Saturday, Sunday or public holiday) on which banks are open for business in London.  
• “You”/”your” means: any person who accesses or uses the Site, whether on their own behalf or on behalf of an organisation.  

Headings are for convenience only and do not affect interpretation. Words importing the singular include the plural and vice versa. A reference to a statute or regulation includes any amendment, re-enactment, or replacement of it from time to time. 

4. Information About Us

In accordance with the Companies Act 2006, the Limited Liability Partnerships (Trading Disclosures) Regulations 2015, and the Electronic Commerce (EC Directive) Regulations 2002, we confirm the following details:  

• Legal name: Sterling & Wells  

• Registered/company number: 11519378 (England and Wales) 

• Registered office: Suite 809, Salisbury House, 29 Finsbury Circus, City of London, London EC2M 7AQ, United Kingdom  

• Professional body / supervisory authority: the Association of Chartered Certified Accountants (ACCA), which is also our supervisory authority for anti-money laundering purposes under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017; ACCA membership/registration number available on request. 

• Professional indemnity insurance: details of our professional indemnity insurance, including territorial coverage, are available on request.  

• Email: contact@sterlingandwells.com  

• Telephone: +44 20 4526 5999  

5. Changes to These Terms and Our Site 

We may revise these Terms at any time by amending this page. Please check these Terms from time to time to take note of any changes, as they are binding on you. Continued use of our site after changes take effect constitutes your acceptance of the revised Terms.  

We may also update our site from time to time and change its Content at any time. Content on our site may be out of date at any given time, and we are under no obligation to update it. 

6. Accessing Our Site 

Our site is made available free of charge. Access is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or part of our site, and/or suspend your access to it, at any time and without notice. We will not be liable to you if our site is unavailable at any time or for any period.  

You are responsible for making all arrangements necessary for you to access our site, and for ensuring that anyone who accesses our site through your internet connection is aware of, and complies with, these Terms. You will be responsible for their failure to comply.

7. No Reliance on Information

Content on our site (including guides, blog posts and FAQs) is provided for general information only. It is not intended to amount to advice on which you should rely, and does not constitute accounting, tax, legal or financial advice. You should obtain professional advice specific to your circumstances before taking, or refraining from taking, any action based on our Content.  

Although we make reasonable efforts to keep our site up to date, we make no representation, warranty or guarantee, whether express or implied, that our Content is accurate, complete or current. Content reflects our understanding of UK tax law and HMRC guidance at the date of publication, which is subject to change.  

Advice specific to your circumstances is provided only once we have agreed a formal written Engagement Letter with you, following completion of client due diligence and anti-money laundering checks required under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017. 

8.  Intellectual Property Rights and Trademarks

We are the owner or licensee of all intellectual property rights in our site and the Content published on it, protected under the Copyright, Designs and Patents Act 1988, the Trademarks Act 1994, the Copyright and Rights in Databases Regulations 1997, and related legislation and treaties. All such rights are reserved. “Sterling & Wells” and our logo are trademarks of Sterling & Wells and must not be used without our prior written consent.  

You may view, print or download extracts of our Content for your own personal or internal business reference only. You must not modify any copies you make, or use any illustrations, graphics or design elements separately from any accompanying text. Our status as the author of our Content must always be acknowledged.  

You must not use any part of the Content on our site for commercial purposes, republish, sell, rent, reproduce, create derivative works from, or use it to train any artificial intelligence or machine-learning model, without our prior written consent. If you breach this clause, your right to use our site ceases immediately, and you must, at our option, return or destroy any copies of material you have made. 

9. Your Representations and Acceptable Use 

Where you provide information to us, for example through a contact, enquiry or newsletter sign-up form, you confirm that it is accurate, current and complete, and you will keep it up to date. 

You must use our site only for lawful purposes. You must not:  

• breach any applicable UK or international law or regulation, 
• post or transmit material that is unlawful, defamatory, obscene or otherwise objectionable, 
• attempt to gain unauthorised access to our site, our systems or any related network or 
• use automated tools, bots or scrapers to extract data from our site, or otherwise interfere with its normal operation.  

We may suspend or terminate your access to our site if we reasonably believe you have breached this clause.

10. Privacy and Data Protection 

We process personal data in accordance with the UK General Data Protection Regulation and the Data Protection Act 2018. Our use of cookies and similar technologies is governed by the Privacy and Electronic Communications Regulations 2003. Full details of what personal data we collect, why, how long we keep it, and your rights (including access, rectification, erasure, restriction, portability, objection, and the right to complain to the Information Commissioner’s Office) are set out in our Privacy Policy https://sterlingandwells.com/privacy-policy/, which forms part of these Terms.  

If you are located outside the United Kingdom, you acknowledge that any personal data you submit may be transferred to, and processed in, the United Kingdom. You are responsible for keeping any account credentials confidential; we are not liable for losses arising from your failure to safeguard them. 

11. Limitation of Liability and Disclaimer of Warranties 

The Site and its Content are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we exclude all warranties, express or implied, as to accuracy, completeness, or fitness for a particular purpose and we do not guarantee it will be uninterrupted or error-free.  

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded or limited under English law, including under the Consumer Rights Act 2015 and the Unfair Contract Terms Act 1977. 

Subject to the paragraph above, we will not be liable to any user, whether in contract, tort (including negligence), breach of statutory duty or otherwise, for loss of profits, sales, business or revenue, business interruption, loss of anticipated savings, loss of data, loss of business opportunity or goodwill, or any indirect or consequential loss.  

If you are a consumer user, our site is provided for domestic and private use only, you agree not to use it for commercial purposes, and nothing in this clause affects your statutory rights. If you are a business user, we will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty or otherwise, arising out of or in connection with your use of our site, save as set out in the first paragraph of this clause.

12. Viruses and Security

We do not guarantee that our site will be secure or free from bugs or viruses. You are responsible for configuring your own technology to access our site safely and should use your own virus protection software. 

You must not misuse our site by introducing viruses, trojans, worms or other material that is malicious or technologically harmful or attempt to gain unauthorised access to our site or the servers on which it is stored. Doing so may constitute a criminal offence under the Computer Misuse Act 1990; we will report any such breach to the relevant law enforcement authorities and disclose your identity to them, and your right to use our site will cease immediately.

13. Third-Party Links and Resources

Our site may contain links to third-party websites or resources, provided for your information only. We do not control, endorse, or accept responsibility for the content, accuracy or availability of any third-party site, and we will not be liable for any loss or damage arising from your use of it. 

14. Force Majeure 

We shall not be liable for any failure or delay in the operation of our Site caused by events beyond our reasonable control, including but not limited to internet or telecommunications failures, power outages, or acts of government.  

15. Complaints

If you are unhappy with any aspect of our service, please contact us in writing using the details in clause 18. We will acknowledge your complaint promptly and aim to provide a substantive response within a reasonable time. If we cannot resolve your complaint to your satisfaction, you may refer it to ACCA, details of which are available on request. 

16. Governing Law and Jurisdiction

These Terms, and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims), are governed by and construed in accordance with the law of England and Wales. The courts of England and Wales have exclusive jurisdiction to settle any such dispute or claim.  

17. General Provisions 

• Entire agreement: these Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Sterling & Wells regarding use of the Site.  

• Severability: if any provision is held invalid or unenforceable, the remaining provisions continue in full force and effect.  

• No partnership: no partnership, agency, joint venture or employment relationship is created between you and Sterling & Wells as a result of these Terms.  

• Assignment: we may assign or transfer our rights and obligations under these Terms at any time; you may not do so without our prior written consent.  

• Waiver: our failure to enforce any provision of these Terms is not a waiver of that provision. 

• Third-party rights: a person who is not a party to these Terms has no right to enforce any term under the Contracts (Rights of Third Parties) Act 1999.  

18. Contact Us

Questions about these Terms should be sent to: 

• Email: contact@sterlingandwells.com  
• Telephone: +44 20 4526 5999  
• Address: Suite 809, Salisbury House, 29 Finsbury Circus, City of London, London EC2M 7AQ, United Kingdom 

Thank you for visiting our site.