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  • Understanding How Our Cookies Policy Works | Start Up A-Z

    Suaz respects your privacy and choices! Transparent Cookie Policy: learn how cookies work, manage preferences and personalize your experience. Learn more! COOKIE POLICY Last updated October 04, 2024 This Cookie Policy explains how SKILLSERVE TECH LTD ("Company," "we," "us," and "our") uses cookies and similar technologies to recognize you when you visit our website at https://www.suaz.co.uk ("Website"). It explains what these technologies are and why we use them, as well as your rights to control our use of them. In some cases we may use cookies to collect personal information, or that becomes personal information if we combine it with other information. What are cookies? Cookies are small data files that are placed on your computer or mobile device when you visit a website. Cookies are widely used by website owners in order to make their websites work, or to work more efficiently, as well as to provide reporting information. Cookies set by the website owner (in this case, SKILLSERVE TECH LTD) are called "first-party cookies." Cookies set by parties other than the website owner are called "third-party cookies." Third-party cookies enable third-party features or functionality to be provided on or through the website (e.g., advertising, interactive content, and analytics). The parties that set these third-party cookies can recognize your computer both when it visits the website in question and also when it visits certain other websites. Why do we use cookies? We use first- and third-party cookies for several reasons. Some cookies are required for technical reasons in order for our Website to operate, and we refer to these as "essential" or "strictly necessary" cookies. Other cookies also enable us to track and target the interests of our users to enhance the experience on our Online Properties. Third parties serve cookies through our Website for advertising, analytics, and other purposes. This is described in more detail below. How can I control cookies? You have the right to decide whether to accept or reject cookies. You can exercise your cookie rights by setting your preferences in the Cookie Consent Manager. The Cookie Consent Manager allows you to select which categories of cookies you accept or reject. Essential cookies cannot be rejected as they are strictly necessary to provide you with services. The Cookie Consent Manager can be found in the notification banner and on our Website. If you choose to reject cookies, you may still use our Website though your access to some functionality and areas of our Website may be restricted. You may also set or amend your web browser controls to accept or refuse cookies. The specific types of first- and third-party cookies served through our Website and the purposes they perform are described in the table below (please note that the specific cookies served may vary depending on the specific Online Properties you visit): Essential website cookies: These cookies are strictly necessary to provide you with services available through our Website and to use some of its features, such as access to secure areas. Name: svSession Purpose: Used in connection with user login Provider: www.suaz.co.uk Service: Wix View Service Privacy Policy Type: server_cookie Expires in: 1 year 11 months 29 days Name: csrf_token Purpose: Protects against hacking and malicious actors. Provider: www.suaz.co.uk Service: Django View Service Privacy Policy Type: http_cookie Expires in: 29 days Name: TERMLY_API_CACHE Purpose: Used to store visitor’s consent result in order to improve performance of the consent banner. Provider: www.suaz.co.uk Service: Termly View Service Privacy Policy Type: html_local_storage Expires in: 1 year Name: hs Purpose: Used for security reasons Provider: www.suaz.co.uk Service: Wix View Service Privacy Policy Type: server_cookie Expires in: session Performance and functionality cookies: These cookies are used to enhance the performance and functionality of our Website but are non-essential to their use. However, without these cookies, certain functionality (like videos) may become unavailable. Name: MR Purpose: This cookie is used by Microsoft to reset or refresh the MUID cookie. Provider: bat.bing.com Service: Microsoft View Service Privacy Policy Type: server_cookie Expires in: 7 days Name: SM Purpose: Session cookie used to collect anonymous information on how visitors use a site to help improve their experience and for better target ads. Provider: c.clarity.ms Service: ChanelAdvisor View Service Privacy Policy Type: server_cookie Expires in: session Name: XSRF-TOKEN Purpose: This cookie is written to help with site security in preventing Cross-Site Request Forgery attacks. Provider: www.suaz.co.uk Service: Advertiser's website domain View Service Privacy Policy Type: server_cookie Expires in: session Name: MR Purpose: This cookie is used by Microsoft to reset or refresh the MUID cookie. Provider: c.clarity.ms Service: Microsoft View Service Privacy Policy Type: server_cookie Expires in: 7 days Name: fedops.logger.sessionId Purpose: Used for stability/effectiveness measurement Provider: www.suaz.co.uk Service: Wix View Service Privacy Policy Type: html_local_storage Expires in: persistent Name: ARRAffinity Purpose: Used by websites running on the Windows Azure cloud platform for load balancing. Provider: .live-web-tbsc.azurewebsites.net Service: Azure View Service Privacy Policy Type: server_cookie Expires in: session Name: MR Purpose: This cookie is used by Microsoft to reset or refresh the MUID cookie. Provider: .c.bing.com Service: Microsoft View Service Privacy Policy Type: server_cookie Expires in: 7 days Analytics and customization cookies: These cookies collect information that is used either in aggregate form to help us understand how our Website is being used or how effective our marketing campaigns are, or to help us customize our Website for you. Name: _ga Purpose: Records a particular ID used to come up with data about website usage by the user Provider: suaz.co.uk Service: Google Analytics View Service Privacy Policy Type: http_cookie Expires in: 1 year 1 month 4 days Name: _gid Purpose: Keeps an entry of unique ID which is then used to come up with statistical data on website usage by visitors. It is a HTTP cookie type and expires after a browsing session. Provider: suaz.co.uk Service: Google Analytics View Service Privacy Policy Type: http_cookie Expires in: 1 day Name: _clsk Purpose: Connects multiple page views by a user into a single Clarity session recording Provider: suaz.co.uk Service: Microsoft Clarity View Service Privacy Policy Type: http_cookie Expires in: 1 day Name: CLID Purpose: Identifies the first-time Clarity saw this user on any site using Clarity Provider: www.clarity.ms Service: Microsoft Clarity View Service Privacy Policy Type: server_cookie Expires in: 11 months 30 days Name: _clck Purpose: Persists the Clarity User ID and preferences, unique to that site is attributed to the same user ID Provider: suaz.co.uk Service: Microsoft Clarity View Service Privacy Policy Type: http_cookie Expires in: 11 months 30 days Name: _gat# Purpose: Enables Google Analytics regulate the rate of requesting. It is a HTTP cookie type that lasts for a session. Provider: .app.suaz.co.uk Service: Google Analytics View Service Privacy Policy Type: http_cookie Expires in: 1 minute Name: platform-viewer Provider: frog.wix.com Type: pixel_tracker Expires in: session Name: MUID Purpose: Sets a unique user id for tracking how the user uses the site. Persistent cookie that is saved for 3 years Provider: .bing.com Service: Bing Analytics View Service Privacy Policy Type: http_cookie Expires in: 1 year 24 days Name: _ga_# Purpose: Used to distinguish individual users by means of designation of a randomly generated number as client identifier, which allows calculation of visits and sessions Provider: suaz.co.uk Service: Google Analytics View Service Privacy Policy Type: http_cookie Expires in: 1 year 1 month 4 days Name: _ga Purpose: Records a particular ID used to come up with data about website usage by the user Provider: app.suaz.co.uk Service: Google Analytics View Service Privacy Policy Type: http_cookie Expires in: 1 year 1 month 4 days Name: _gid Purpose: Keeps an entry of unique ID which is then used to come up with statistical data on website usage by visitors. It is a HTTP cookie type and expires after a browsing session. Provider: .app.suaz.co.uk Service: Google Analytics View Service Privacy Policy Type: http_cookie Expires in: 1 day Name: c.gif Provider: c.clarity.ms Type: pixel_tracker Expires in: session Name: rp.gif Provider: alb.reddit.com Type: pixel_tracker Expires in: session Name: _ga_# Purpose: Used to distinguish individual users by means of designation of a randomly generated number as client identifier, which allows calculation of visits and sessions Provider: .app.suaz.co.uk Service: Google Analytics View Service Privacy Policy Type: http_cookie Expires in: 1 year 1 month 4 days Name: MUID Purpose: Sets a unique user id for tracking how the user uses the site. Persistent cookie that is saved for 3 years Provider: .clarity.ms Service: Bing Analytics View Service Privacy Policy Type: http_cookie Expires in: 1 year 24 days Name: _gat# Purpose: Enables Google Analytics regulate the rate of requesting. It is a HTTP cookie type that lasts for a session. Provider: .suaz.co.uk Service: Google Analytics View Service Privacy Policy Type: http_cookie Expires in: 1 minute Advertising cookies: These cookies are used to make advertising messages more relevant to you. They perform functions like preventing the same ad from continuously reappearing, ensuring that ads are properly displayed for advertisers, and in some cases selecting advertisements that are based on your interests. Name: VISITOR_INFO1_LIVE Purpose: YouTube is a Google-owned platform for hosting and sharing videos. YouTube collects user data through videos embedded in websites, which is aggregated with profile data from other Google services in order to display targeted advertising to web visitors across a broad range of their own and other websites. Used by Google in combination with SID to verify Google user account and most recent login time. Provider: .youtube.com Service: YouTube View Service Privacy Policy Type: server_cookie Expires in: 5 months 27 days Name: YSC Purpose: YouTube is a Google-owned platform for hosting and sharing videos. YouTube collects user data through videos embedded in websites, which is aggregated with profile data from other Google services in order to display targeted advertising to web visitors across a broad range of their own and other websites. Used by Google in combination with SID to verify Google user account and most recent login time. Provider: .youtube.com Service: YouTube View Service Privacy Policy Type: server_cookie Expires in: session Name: _uetvid Purpose: Used to track visitors on multiple websites, in order to present relevant advertisement based on the visitor's preferences. Provider: www.suaz.co.uk Service: Google Tag Manager View Service Privacy Policy Type: html_local_storage Expires in: persistent Name: _uetvid_exp Purpose: Contains the expiry-date for the cookie with corresponding name. Provider: www.suaz.co.uk Service: Google Tag Manager View Service Privacy Policy Type: html_local_storage Expires in: persistent Name: _uetsid Purpose: Collects data on visitor behaviour from multiple websites, in order to present more relevant advertisement - This also allows the website to limit the number of times that they are shown the same advertisement. Provider: www.suaz.co.uk Service: Google Tag Manager View Service Privacy Policy Type: html_local_storage Expires in: persistent Name: _uetsid_exp Purpose: Contains the expiry-date for the cookie with corresponding name. Provider: www.suaz.co.uk Service: Google Tag Manager View Service Privacy Policy Type: html_local_storage Expires in: persistent Name: ANONCHK Purpose: Used by Bing as a unique user identifier for users seeing bing ads Provider: .c.clarity.ms Service: Bing View Service Privacy Policy Type: server_cookie Expires in: 10 minutes Name: _uetvid Purpose: Used to track visitors on multiple websites, in order to present relevant advertisement based on the visitor's preferences. Provider: .suaz.co.uk Service: Google Tag Manager View Service Privacy Policy Type: http_cookie Expires in: 1 year 24 days Name: SRM_B Purpose: Atlast Adserver used in conjunction with Bing services. Expires after 180 days Provider: .c.bing.com Service: Atlas View Service Privacy Policy Type: server_cookie Expires in: 1 year 24 days Name: _gcl_au Purpose: Used by Google AdSense for experimenting with advertisement efficiency across websites using their services. Provider: suaz.co.uk Service: Google AdSense View Service Privacy Policy Type: http_cookie Expires in: 2 months 29 days Name: _uetsid Purpose: Collects data on visitor behaviour from multiple websites, in order to present more relevant advertisement - This also allows the website to limit the number of times that they are shown the same advertisement. Provider: suaz.co.uk Service: Google Tag Manager View Service Privacy Policy Type: http_cookie Expires in: 23 hours 59 minutes Unclassified cookies: These are cookies that have not yet been categorized. We are in the process of classifying these cookies with the help of their providers. Name: VISITOR_PRIVACY_METADATA Provider: .youtube.com Type: server_cookie Expires in: 5 months 27 days Name: x-ms-routing-name Provider: .live-web-tbsc.azurewebsites.net Type: server_cookie Expires in: 1 hour Name: TiPMix Provider: .live-web-tbsc.azurewebsites.net Type: server_cookie Expires in: 1 hour Name: ARRAffinitySameSite Provider: .live-web-tbsc.azurewebsites.net Type: server_cookie Expires in: session Name: twk_idm_key Provider: app.suaz.co.uk Type: http_cookie Expires in: session Name: Priority Provider: bat.bing.com Type: server_cookie Expires in: session Name: __tbsc.browserid Provider: app.suaz.co.uk Type: html_local_storage Expires in: persistent Name: ssr-caching Provider: www.suaz.co.uk Type: server_cookie Expires in: less than 1 minute Name: _rdt_em Provider: .suaz.co.uk Type: http_cookie Expires in: 2 months 29 days Name: _rdt_uuid Provider: .suaz.co.uk Type: http_cookie Expires in: 2 months 29 days Name: _cltk Provider: app.suaz.co.uk Type: html_session_storage Expires in: session Name: TawkConnectionTime Provider: app.suaz.co.uk Type: http_cookie Expires in: session Name: bSession Provider: www.suaz.co.uk Type: http_cookie Expires in: 30 minutes Name: Priority Provider: c.bing.com Type: server_cookie Expires in: session Name: Priority Provider: c.clarity.ms Type: server_cookie Expires in: session How can I control cookies on my browser? As the means by which you can refuse cookies through your web browser controls vary from browser to browser, you should visit your browser's help menu for more information. The following is information about how to manage cookies on the most popular browsers: Chrome Internet Explorer Firefox Safari Edge Opera In addition, most advertising networks offer you a way to opt out of targeted advertising. If you would like to find out more information, please visit: Digital Advertising Alliance Digital Advertising Alliance of Canada European Interactive Digital Advertising Alliance What about other tracking technologies, like web beacons? Cookies are not the only way to recognize or track visitors to a website. We may use other, similar technologies from time to time, like web beacons (sometimes called "tracking pixels" or "clear gifs"). These are tiny graphics files that contain a unique identifier that enables us to recognize when someone has visited our Website or opened an email including them. This allows us, for example, to monitor the traffic patterns of users from one page within a website to another, to deliver or communicate with cookies, to understand whether you have come to the website from an online advertisement displayed on a third-party website, to improve site performance, and to measure the success of email marketing campaigns. In many instances, these technologies are reliant on cookies to function properly, and so declining cookies will impair their functioning. Do you use Flash cookies or Local Shared Objects? Websites may also use so-called "Flash Cookies" (also known as Local Shared Objects or "LSOs") to, among other things, collect and store information about your use of our services, fraud prevention, and for other site operations. If you do not want Flash Cookies stored on your computer, you can adjust the settings of your Flash player to block Flash Cookies storage using the tools contained in the Website Storage Settings Panel . You can also control Flash Cookies by going to the Global Storage Settings Panel and following the instructions (which may include instructions that explain, for example, how to delete existing Flash Cookies (referred to "information" on the Macromedia site), how to prevent Flash LSOs from being placed on your computer without your being asked, and (for Flash Player 8 and later) how to block Flash Cookies that are not being delivered by the operator of the page you are on at the time). Please note that setting the Flash Player to restrict or limit acceptance of Flash Cookies may reduce or impede the functionality of some Flash applications, including, potentially, Flash applications used in connection with our services or online content. Do you serve targeted advertising? Third parties may serve cookies on your computer or mobile device to serve advertising through our Website. These companies may use information about your visits to this and other websites in order to provide relevant advertisements about goods and services that you may be interested in. They may also employ technology that is used to measure the effectiveness of advertisements. They can accomplish this by using cookies or web beacons to collect information about your visits to this and other sites in order to provide relevant advertisements about goods and services of potential interest to you. The information collected through this process does not enable us or them to identify your name, contact details, or other details that directly identify you unless you choose to provide these. How often will you update this Cookie Policy? We may update this Cookie Policy from time to time in order to reflect, for example, changes to the cookies we use or for other operational, legal, or regulatory reasons. Please therefore revisit this Cookie Policy regularly to stay informed about our use of cookies and related technologies. The date at the top of this Cookie Policy indicates when it was last updated. Where can I get further information? If you have any questions about our use of cookies or other technologies, please email us at help@suaz.co.uk or by post to: SKILLSERVE TECH LTD Bartle House Manchester, Greater Manchester M23WQ United Kingdom Phone: (+44)0330 320 1929

  • Suaz Terms & Conditions | Legal Info | Start Up A-Z

    Explore our detailed legal guidelines, service policies, and user responsibilities to ensure a transparent and informed experience. Visit now for information. TERMS AND CONDITIONS Last updated January 04, 2023 TABLE OF CONTENTS 1. AGREEMENT TO TERMS 2. INTELLECTUAL PROPERTY RIGHTS 3. USER REPRESENTATIONS 4. PROHIBITED ACTIVITIES 5. USER GENERATED CONTRIBUTIONS 6. CONTRIBUTION LICENSE 7. SUBMISSIONS 8. THIRD-PARTY WEBSITE AND CONTENT 9. SITE MANAGEMENT 10. PRIVACY POLICY 11. COPYRIGHT INFRINGEMENTS 12. TERM AND TERMINATION 13. MODIFICATIONS AND INTERRUPTIONS 14. GOVERNING LAW 15. DISPUTE RESOLUTION 16. CORRECTIONS 17. DISCLAIMER 18. LIMITATIONS OF LIABILITY 19. INDEMNIFICATION 20. USER DATA 21. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES 22. MISCELLANEOUS 23. CONTACT US 1. AGREEMENT TO TERMS These Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”) and SKILLSERVE TECH LTD ("Company," “we," “us," or “our”), concerning your access to and use of the https://www.suaz.co.uk website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the “Site”). We are registered in England and have our registered office at Bartle House, Manchester, Greater Manchester M23WQ. You agree that by accessing the Site, you have read, understood, and agreed to be bound by all of these Terms of Use. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS OF USE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USE IMMEDIATELY. Supplemental terms and conditions or documents that may be posted on the Site from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Terms of Use from time to time. We will alert you about any changes by updating the “Last updated” date of these Terms of Use, and you waive any right to receive specific notice of each such change. Please ensure that you check the applicable Terms every time you use our Site so that you understand which Terms apply. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms of Use by your continued use of the Site after the date such revised Terms of Use are posted. The information provided on the Site is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Site from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable. The Site is intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Site. 2. INTELLECTUAL PROPERTY RIGHTS Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of the United States, international copyright laws, and international conventions. The Content and the Marks are provided on the Site “AS IS” for your information and personal use only. Except as expressly provided in these Terms of Use, no part of the Site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission. Provided that you are eligible to use the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the Site, the Content and the Marks. 3. USER REPRESENTATIONS By using the Site, you represent and warrant that: (1) you have the legal capacity and you agree to comply with these Terms of Use; (2) you are not a minor in the jurisdiction in which you reside; (3) you will not access the Site through automated or non-human means, whether through a bot, script, or otherwise; (4) you will not use the Site for any illegal or unauthorized purpose; and (5) your use of the Site will not violate any applicable law or regulation. If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof). 4. PROHIBITED ACTIVITIES You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us. As a user of the Site, you agree not to: Systematically retrieve data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us. Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords. Circumvent, disable, or otherwise interfere with security-related features of the Site, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Site and/or the Content contained therein. Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Site. Use any information obtained from the Site in order to harass, abuse, or harm another person. Make improper use of our support services or submit false reports of abuse or misconduct. Use the Site in a manner inconsistent with any applicable laws or regulations. Engage in unauthorized framing of or linking to the Site. Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Site or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Site. Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools. Delete the copyright or other proprietary rights notice from any Content. Attempt to impersonate another user or person or use the username of another user. Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (“gifs”), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as “spyware” or “passive collection mechanisms” or “pcms”). Interfere with, disrupt, or create an undue burden on the Site or the networks or services connected to the Site. Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Site to you. Attempt to bypass any measures of the Site designed to prevent or restrict access to the Site, or any portion of the Site. Copy or adapt the Site’s software, including but not limited to Flash, PHP, HTML, JavaScript, or other code. Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Site. Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Site, or using or launching any unauthorized script or other software. Use a buying agent or purchasing agent to make purchases on the Site. Make any unauthorized use of the Site, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses. Use the Site as part of any effort to compete with us or otherwise use the Site and/or the Content for any revenue-generating endeavor or commercial enterprise. Use the Site to advertise or offer to sell goods and services. Sell or otherwise transfer your profile. 5. USER GENERATED CONTRIBUTIONS The Site may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality, and may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Site, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, "Contributions"). Contributions may be viewable by other users of the Site and through third-party websites. As such, any Contributions you transmit may be treated as non-confidential and non-proprietary. When you create or make available any Contributions, you thereby represent and warrant that: The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party. You are the creator and owner of or have the necessary licenses, rights, consents, releases, and permissions to use and to authorize us, the Site, and other users of the Site to use your Contributions in any manner contemplated by the Site and these Terms of Use. You have the written consent, release, and/or permission of each and every identifiable individual person in your Contributions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of your Contributions in any manner contemplated by the Site and these Terms of Use. Your Contributions are not false, inaccurate, or misleading. Your Contributions are not unsolicited or unauthorized advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation. Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libelous, slanderous, or otherwise objectionable (as determined by us). Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone. Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people. Your Contributions do not violate any applicable law, regulation, or rule. Your Contributions do not violate the privacy or publicity rights of any third party. Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors. Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap. Your Contributions do not otherwise violate, or link to material that violates, any provision of these Terms of Use, or any applicable law or regulation. Any use of the Site in violation of the foregoing violates these Terms of Use and may result in, among other things, termination or suspension of your rights to use the Site. 6. CONTRIBUTION LICENSE By posting your Contributions to any part of the Site, you automatically grant, and you represent and warrant that you have the right to grant, to us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and license to host, use, copy, reproduce, disclose, sell, resell, publish, broadcast, retitle, archive, store, cache, publicly perform, publicly display, reformat, translate, transmit, excerpt (in whole or in part), and distribute such Contributions (including, without limitation, your image and voice) for any purpose, commercial, advertising, or otherwise, and to prepare derivative works of, or incorporate into other works, such Contributions, and grant and authorize sublicenses of the foregoing. The use and distribution may occur in any media formats and through any media channels. This license will apply to any form, media, or technology now known or hereafter developed, and includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide. You waive all moral rights in your Contributions, and you warrant that moral rights have not otherwise been asserted in your Contributions. We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Site. You are solely responsible for your Contributions to the Site and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions. We have the right, in our sole and absolute discretion, (1) to edit, redact, or otherwise change any Contributions; (2) to re-categorize any Contributions to place them in more appropriate locations on the Site; and (3) to pre-screen or delete any Contributions at any time and for any reason, without notice. We have no obligation to monitor your Contributions. 7. SUBMISSIONS You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information regarding the Site ("Submissions") provided by you to us are non-confidential and shall become our sole property. We shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these Submissions for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you. You hereby waive all moral rights to any such Submissions, and you hereby warrant that any such Submissions are original with you or that you have the right to submit such Submissions. You agree there shall be no recourse against us for any alleged or actual infringement or misappropriation of any proprietary right in your Submissions. 8. THIRD-PARTY WEBSITE AND CONTENT The Site may contain (or you may be sent via the Site) links to other websites ("Third-Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third-Party Content"). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Site or any Third-Party Content posted on, available through, or installed from the Site, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Site and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Terms of Use no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Site or relating to any applications you use or install from the Site. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us harmless from any harm caused by your purchase of such products or services. Additionally, you shall hold us harmless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites. 9. SITE MANAGEMENT We reserve the right, but not the obligation, to: (1) monitor the Site for violations of these Terms of Use; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms of Use, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Site or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Site in a manner designed to protect our rights and property and to facilitate the proper functioning of the Site. 10. PRIVACY POLICY We care about data privacy and security. Please review our Privacy Policy: https://app.termly.io/document/privacy-policy/4c7b1bcd-adcd-4325-9cf8-025b854db201 . By using the Site, you agree to be bound by our Privacy Policy, which is incorporated into these Terms of Use. Please be advised the Site is hosted in England. If you access the Site from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in England, then through your continued use of the Site, you are transferring your data to England, and you agree to have your data transferred to and processed in England. 11. COPYRIGHT INFRINGEMENTS We respect the intellectual property rights of others. If you believe that any material available on or through the Site infringes upon any copyright you own or control, please immediately notify us using the contact information provided below (a “Notification”). A copy of your Notification will be sent to the person who posted or stored the material addressed in the Notification. Please be advised that pursuant to applicable law you may be held liable for damages if you make material misrepresentations in a Notification. Thus, if you are not sure that material located on or linked to by the Site infringes your copyright, you should consider first contacting an attorney. 12. TERM AND TERMINATION These Terms of Use shall remain in full force and effect while you use the Site. WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS OF USE, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SITE (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE TERMS OF USE OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SITE OR DELETE ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION. If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress. 13. MODIFICATIONS AND INTERRUPTIONS We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Site. We also reserve the right to modify or discontinue all or part of the Site without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site. We cannot guarantee the Site will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Site at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site during any downtime or discontinuance of the Site. Nothing in these Terms of Use will be construed to obligate us to maintain and support the Site or to supply any corrections, updates, or releases in connection therewith. 14. GOVERNING LAW These conditions are governed by and interpreted following the laws of England, and the use of the United Nations Convention of Contracts for the International Sale of Goods is expressly excluded. If your habitual residence is in the EU, and you are a consumer, you additionally possess the protection provided to you by obligatory provisions of the law of your country of residence. SKILLSERVE TECH LTD and yourself both agree to submit to the non-exclusive jurisdiction of the courts of __________, which means that you may make a claim to defend your consumer protection rights in regards to these Terms of Use in England, or in the EU country in which you reside. 15. DISPUTE RESOLUTION Informal Negotiations To expedite resolution and control the cost of any dispute, controversy, or claim related to these Terms of Use (each "Dispute" and collectively, the “Disputes”) brought by either you or us (individually, a “Party” and collectively, the “Parties”), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least thirty (30) days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party. Binding Arbitration Any dispute arising from the relationships between the Parties to this contract shall be determined by one arbitrator who will be chosen in accordance with the Arbitration and Internal Rules of the European Court of Arbitration being part of the European Centre of Arbitration having its seat in Strasbourg, and which are in force at the time the application for arbitration is filed, and of which adoption of this clause constitutes acceptance. The seat of arbitration shall be Manchester, England. The language of the proceedings shall be English. Applicable rules of substantive law shall be the law of England. Restrictions The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. Exceptions to Informal Negotiations and Arbitration The Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations and binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court. 16. CORRECTIONS There may be information on the Site that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Site at any time, without prior notice. 17. DISCLAIMER THE SITE IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SITE’S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE SITE AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SITE, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SITE. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SITE, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE. 18. LIMITATIONS OF LIABILITY IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE six (6) mONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING. CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS. 19. INDEMNIFICATION You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) your Contributions; (2) use of the Site; (3) breach of these Terms of Use; (4) any breach of your representations and warranties set forth in these Terms of Use; (5) your violation of the rights of a third party, including but not limited to intellectual property rights; or (6) any overt harmful act toward any other user of the Site with whom you connected via the Site. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it. 20. USER DATA We will maintain certain data that you transmit to the Site for the purpose of managing the performance of the Site, as well as data relating to your use of the Site. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Site. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data. 21. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES Visiting the Site, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SITE. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means. 22. MISCELLANEOUS These Terms of Use and any policies or operating rules posted by us on the Site or in respect to the Site constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms of Use shall not operate as a waiver of such right or provision. These Terms of Use operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Terms of Use is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms of Use and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Terms of Use or use of the Site. You agree that these Terms of Use will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Terms of Use and the lack of signing by the parties hereto to execute these Terms of Use. 23. CONTACT US In order to resolve a complaint regarding the Site or to receive further information regarding use of the Site, please contact us at: SKILLSERVE TECH LTD Bartle House Manchester, Greater Manchester M23WQ England Phone: (+44)0330 320 1929 help@suaz.co.uk

  • Quick & Easy Ltd Company Dissolution Service | Start Up A-Z

    We can help you dissolve your Limited/Ltd company by submitting a DS01 form on your company's behalf with Companies House. Dissolving a Company We can help you dissolve your Limited/Ltd company by submitting a DS01 form on your company's behalf with Companies House. This will initiate a strike-off process, where your application is reviewed, published in The Gazette, and finally dissolved after a 2 month process. Anchor 1 DS01 Submission This product is for customers who wish SUAZ to submit, on their behalf, a DS01 form to Companies House, in order to strike their company off the register. A DS01 form is an application to strike your company off, not a confirmation. At present, this service is only available to companies that have not yet traded. You must: Close the company bank account, if applicable. Inform all interested parties and HMRC (if you are registered for any taxes) of your decision to dissolve the company. This must be done within 7 days of lodging your application with Companies House. Submit a final return to Companies House. You must state that these are the final accounts due to the planned dissolution of the company. What Happens Next: We'll notify you when your application to dissolve your company has been submitted. There is then a period of 2 months where a person or entity can object to you dissolving your business. As you have not traded, this is extremely unlikely. After 2 months, you will be informed when your company has been successfully dissolved. Choose our virtual office Providing a registered office address for receiving official communications from Companies House, a virtual office can bring big advantages for your business: a prestigious Manchester city centre business address allows you to keep your home address private and give your professional status a lift. Learn More Frequently Asked Questions Why Choose Start Up A-Z? About UK Company Formation In the UK, we use the national registrar of companies, Companies House, to form new businesses. You can do this yourself, using the Companies House website found here. It costs a one-off £12 filing fee to form your company and subject to checks, your business will be formed, usually within 48 hours. Why Choose a Formation Agent? Customer Service Most Company Formation agents are here to help and advise you, as a customer you have a right to be treated with respect and understanding through, what can be, a complex and daunting process. Extra Perks You’ll be given a few freebies and introductions alongside your company formation to introduce you to businesses and products or services that can help your company thrive. Easy Process Most formation agents have perfected the process to enable Companies to be formed in as little time, and as few clicks as possible. It’s in our, and your, interests to make the process quick and concise. Why Choose Start Up A-Z? We make things simple. With Start Up A-Z, your application can take as little as two minutes. Why? Because we make some fair assumptions along the way. We know our customers aren’t big, complex companies, they are small and starting, often meaning that a lot of the information that lengthens the Companies House process is not applicable. We support. Not only do we give help and advice to you during your company formation, but also into to the future, as you need it. We and our partners are here to be the reliable foundation stone of your business. This means your calls and questions are just as welcome on day one-thousand as day one. Should I be a Limited Company or a Sole Trader? Limited Company As a limited company, you enjoy limited liability which protects your personal assets. Unlike sole traders, a limited company is legally separate from its business owner, who has limited liability. Having 'limited liability' status means the company is an entity in its own right. This has several advantages. Assuming no fraud has taken place, 'limited liability' means you will not be personally liable for any financial losses made by the business. A limited company can give you added protection, should things go wrong. Because a limited company is a distinct entity from its owners, it may be a little easier for a company to secure business loans and investment. A limited company may benefit from tax advantages. You would be advised to seek professional help to make maximum use of the rules and regulations with regard to pensions, dividends and car ownership. Sole Trader A sole trader is somebody who runs their business as an individual, they are the sole owner of the business and any profit after tax is theirs. However, as a sole trader, you will be personally responsible for your company's debts, so your personal assets could be at risk. How do I start a Limited Company? Companies House The first thing you need to know when starting a limited company is who Companies House are. Companies House are a UK government executive agency who register UK company information. This means that they are the body that incorporates, dissolves and publishes information on all UK companies. Key Responsibilities: incorporate and dissolve limited companies examine and store company information make information available to the public What is a Limited Company? Limited by shares companies are usually businesses that make a profit. This means the company: is legally separate from the people who run it has separate finances from your personal ones has shares and shareholders can keep any profits it makes after paying tax At Start Up A-Z, we only form Limited Companies, making your options as a new business extremely straightforward. We believe that a Limited company is usually the best option for those new to business and have made a concerted effort to make the process as easy as possible. Our Simple Process Choose a company name and check if it's available. We form Ltd and Limited companies. Enter your personal information so we can add you as the companies director. Your director information will be on Companies House. Enter your company information. This will also be submitted to Companies House and be available online. Review your application and make sure everything is correct. We'll submit your application to Companies House and your company will be formed. Should I be a Limited Company or a Sole Trader? Limited Company As a limited company, you enjoy limited liability which protects your personal assets. Unlike sole traders, a limited company is legally separate from its business owner, who has limited liability. Having 'limited liability' status means the company is an entity in its own right. This has several advantages. Assuming no fraud has taken place, 'limited liability' means you will not be personally liable for any financial losses made by the business. A limited company can give you added protection, should things go wrong. Because a limited company is a distinct entity from its owners, it may be a little easier for a company to secure business loans and investment. A limited company may benefit from tax advantages. You would be advised to seek professional help to make maximum use of the rules and regulations with regard to pensions, dividends and car ownership. Sole Trader A sole trader is somebody who runs their business as an individual, they are the sole owner of the business and any profit after tax is theirs. However, as a sole trader, you will be personally responsible for your company's debts, so your personal assets could be at risk. What do I do after Company Formation? Firstly, Congratulations! If you're reading this you've probably formed a company and are looking for your next steps. It's important at this point to pat yourself on the back! You've formed a business, taken a step to personal improvement and opened up a world of opportunities. From everyone at Start Up A-Z and Business Support Club, well done! What Comes Next? You'll now need to consider what your business needs to do in order to trade legally in the UK and beyond. We'll highlight a few key areas, but we strongly recommend using the following Companies House tool to work out your next steps. Consider VAT - Are you going to turn over more than £85,000? If so, you will need to register for VAT Corporation Tax - All Businesses must register for Corporation Tax within the first 3 months PAYE - Are you planning on taking on employees? If so, you'll need to register for PAYE Licenses - What licenses do you need to run your business? Insurance - It's likely that your new business will need insurance. You can find insurance brokers on Business Support Club Grants/funding - How are you going to fund your business? There may be government help if you seek it Use The Checklist We highly recommend using the Companies House checklist. It's packed with information and will tell you all you need to know about the next steps, no matter what your business. How do I set up business bank accounts? Let's get straight to it After forming a company, one of the first things most people do is apply for a business bank account. Doing so straight away as a smart move! While you can trade through director loans and using your personal account, in practice, it's always much easier to use a business bank account. Remember, a Limited company is a separate entity, it's best to operate with that in mind. What do we recommend? You have lots of options these days when it comes to business bank accounts. The high street is competing for your custom with new online rivals. We reccomend that the quickest way to get an account open is to use your personal provider, applying for a business account through them. Having said that, there are plenty of alternatives. Consider avoiding... You should know that applying to a high street bank that you do not already have a relationship with can be a long and frustrating process. Similarly, some firms, claiming to offer business bank accounts only offer limited services through a prepaid card. Many also don't like accepting international payments so it is important to know what the limitations of the bank you are applying to are. Especially if they are a neo online bank provider. The bottom line We recommend: Setting up your account ASAP Choosing a business you already know Researching the online offerings Applying for a bank account with a good promotion How do Ready Made Companies Work? Choosing to form a new business and sourcing suppliers can lead to let-downs, dead ends & delays. A Readymade Company is pre-registered, just waiting to be transferred into your name and allowing you to start trading TODAY. Is a registered office address required by law? Yes, UK limited companies are required by government bodies such as Companies House to register an address for the receipt of official communications. By subscribing to one of our plans, you can use our Manchester address as your registered office address, establishing a credible business image while keeping your personal address private. Will you receive and forward all my mail if I become a member? All our membership plans include receiving, scanning and digitally forwarding official and statutory mail. Receiving and forwarding of business mail such as invoices and supplier communications varies depending on your chosen plan. Click HERE to see more information on our membership plans. What is the difference between statutory mail and business mail? Official government mail includes post from the following UK governing bodies: • Companies House • HM Revenue & Customs (HMRC) • HM Court documents (including Tribunals Services and Sheriff Court) • Office for National Statistics (ONS) • Information Commissioner’s Office (ICO) • Department of Work & Pensions (DWP) • UK Government Gateway • Intellectual Property Office (IPO) • Ministry of Justice (MoJ) • The Pensions Regulator (TPR) • The Insolvency Service • UK Border Agency How can I become a member? 1. Choose the plan that best fits your business and subscribe. You will be directed to the business support club platform where you can avail of our services. Fill in the required details and choose your preferred payment method using PayPal or Stripe. 2. Once you have successfully paid, your account will be set up. We will send you a simple questionnaire to inform us of your company details and personal details. You will also be required to supply photo identification and proof of address. After completing the information needed, we will notify you that your account is set up and activated. 3. You will receive a confirmation email with the address you can use. Then, change your registered office address on Companies House HERE or through post. Statutory mail will then be received at our address and forwarded to you. For more advanced plans, business mail will also be received and forwarded to you. Alternatively, you can also subscribe to a plan by contacting us at 0330 320 1929 or sending us an email to help@suaz.co.uk. We can also gladly assist you by appointment should you prefer to visit our location at Bartle House, Manchester. Are your plans flexible? Yes, at SUAZ we make it easy to upgrade your plan by providing add-on options for any excess mail when you need it. For inquiries and requests, you can contact us at 0330 320 1929 or send us an email to help@suaz.co.uk. We can also gladly assist you by appointment should you prefer to visit our location at Bartle House, Manchester. Can I use my virtual office address as a Director Service Address? Yes, our premium plan includes one (1) use of our address for the director or officer of your company. Anyone registered as a director or officer of a UK limited company must be prepared to give a correspondence address that will be visible on the public register. To use our address as your Director Service Address, subscribe to our premium plan HERE. How can I change the Registered Office Address of my company? You can change your registered office address online or by post. You can sign into the Companies House Webfiling service HERE or submit an AD01 form by post. You must complete the change within 14 days the change took place. What IDs and documents do you require to subscribe to any membership plan? At SUAZ, we see to it that we comply to Anti-Money Laundering (AML) and ‘Know Your Customer’ requirements and regulations. We will need a proof of ID and proof of address to proceed with your application which can be as follows: Proof of ID: • Passport • Photocard driving licence • Government-issued ID card Proof of address: • Utility bill • Bank statement • Mortgage statement How long is your contract? Our contract length PLACE HERE …Please note that we do not automatically renew your contract at the end of the term. However, we will send you a renewal notice email one month before the term ends. Can the SUAZ virtual office address be used on my ‘Google My Business’ profile? We do not have services for this at the moment. However, other business directories may allow its use as your business address. Do you have a virtual receptionist to answer my business calls? As our virtual office packages currently do not include a virtual receptionist, SUAZ offers a virtual receptionist with a separate plan. You can click HERE to know more about our virtual receptionist services. Can I hold physical meetings at your location? Yes, if you have subscribed to our premium plan, you get access to our meeting room for 30 minutes per calendar month. Additionally, with our professional plan, you get a sign-up bonus of 1 hour use of our meeting room. The meeting room can accommodate up to (how many pax?) PLACE HERE Why do I need a Registered Office Address? UK limited companies are legally required to have a UK registered office. Our registered office service covers use of our address for official government mail only. This address cannot be used for general business correspondence, for which you must also purchase our Business Address Service (Our Virtual Business Plus package covers both official and business mail). Using a Registered Office Address has the added benefit of protecting your personal address from appearing on the public register. What is included as official mail and is mail forwarding free? Official government mail includes post from the following UK governing bodies: Companies House HM Revenue & Customs (HMRC) HM Court documents (including Tribunals Services and Sheriff Court) Office for National Statistics (ONS) Information Commissioner's Office (ICO) Department of Work & Pensions (DWP) Government Gateway Intellectual Property Office (IPO) Ministry of Justice The Pensions Regulator (TPR) The Insolvency Service UK Border Agency How does the Telephone Answering Service work? We will give you a London (0203) phone number which you can either use as your own number or you can divert calls to it when you are busy. When your number is called, we answer it in your company name. We then let the caller know that the extension is busy, you are in a meeting or calls are going to voicemail (or anything else as instructed by you). We will take a message and their contact information, which are all immediately uploaded to your online admin account and sent to you by email and via the MYCO smartphone app. What's included in the Document Filing service? We can file your yearly confirmation statement directly with Companies House. It's is a legal requirement which can be done by you, or we’ll take care of it on your behalf to save you the hassle. We’ll also send ongoing reminders yearly to make sure you don’t forget. How can SUAZ offer company formations for free? Here at SUAZ, we believe that it shouldn’t cost you a fortune to follow your dream. We also know that starting a business isn’t cheap, which is why our company formation service is completely free - so you can keep your hard-earned cash to make your business the best it can be. Wondering how we make our money? Our upsells are bonus features that can help your business get a head start. We also introduce you to other businesses and sometimes earn a commission from doing so. When can your business be up and running? We try our best to get your business up and running as quickly as possible. Submissions sent before midday usually come back to us the same day, but this can’t be guaranteed as delays do happen. We try to get all applications back within 36 hours, but if there are issues with your application such as your company name being flagged for extra checks, this can delay the process. What kind of company can you set up? Here at SUAZ, we form limited companies. Operating as a limited company can give your business credibility and your customers confidence in your business. And once your company name is registered as a limited company, it's protected by law and no one else is allowed to use it. As for the industry or nature of your company, the choice is yours - all we ask is that your company has only a single director. Why should you set up a company? Setting up your own business can be life-changing. When you’re your own boss, you’ll be motivated to do the best work possible and make your work life exactly how you want it. You’ll be in charge of your work-life balance, can follow your passion and fulfil what may be your life-long dream. And while it may take a while to get your company off the ground, you’ll be working towards complete financial independence and security. With SUAZ, you’ll have all the support you need to set up your company quickly and successfully, knowing that you’ve got experts at hand. Can you set up a company on your own? You can set up a company on your own through Companies House. It costs a one-off filing fee of £12 to form your company and should all be approved, your business will usually be formed within 48 hours. Using a company formation agent like SUAZ can alleviate any stress or confusion that comes with starting a business. We can take care of everything for you and give you the support and guidance you need, so you can focus on making your business dreams a reality. What support is available after you’ve set up your company? We’re not only here during your company formation process. We’re here when you need us every step of the way, as and when you need a helping hand. Whether you have a question about your business, or have misplaced one of your documents , we’re always at the end of the line. What else do you need to start a business? What you need to get your business up and running will ultimately depend on the nature of your business. Once your company is formed, your next steps are: Checking if you need any licences or permits Making sure you have the right type of business insurance Sorting out your business’ address - if you’re looking to avoid the cost and maintenance of renting an office space, our virtual office address service may suit you Organising your business’ finances - with our Company Pro package you’ll get a Trilogy Business bank account to get you started Can you close your company down if you change your mind? It’s always a good idea not to rush into starting a business - make sure you’re both mentally and financially ready. If you have any doubts, feel free to get in touch with us and ask any questions before you jump into any decisions. But if you change your mind and decide it isn’t the right time to start your business, you’ll have the option to dissolve it - you’re only human after all! Just let us know and we can help you dissolve your company for £24.99. Can you set your UK company up from abroad? If you live abroad, you can still buy a company formation package from us to make your dreams a reality. Just bear in mind there may be extra KYC/AML checks that we’ll need to carry out depending on your nationality and place of residence. We’ll also need notarized legal documents and potentially translations to progress your application. Can you help with startup finance? If you’re looking to start your own business, you’ll know that it can take a significant amount of money to get it off the ground. Instead of applying for a bank loan and waiting for it to be approved, or dipping into your hard-earned personal savings, you can give your business the financial boost it needs to thrive with Start Up A-Z’s fixed-rate finance. Take a look at how our startup finance can help your business to grow. What should you list as your company address? When starting a business, you’ll need to decide where your place of work will be. For new businesses just starting out, it can be costly and often unnecessary to rent and maintain an office space. But having a company address can help your business to establish a professional image from the get-go. If you’re looking for a company address without the cost of renting an office space, our virtual office packages could be just what you need. Virtual office gives you a mailing address right in the heart of Manchester to help you establish a professional image, and maintain your privacy too. How do I book a meeting room? Our meeting rooms are bookable online via your account admin panel under the tab titled 'Meeting Space'. This tab will only appear if you are eligible to book a meeting room. You can also reserve a meeting space on the go by downloading our ‘MYCO Meeting’ app on Android or the App store. Bookings are not official until you have received a confirmation email from us. What are the partnership perks with Business Support Club? Search our extensive marketplace to source trusted local and national product and service providers, to help get your new business off the ground. Looking for... Branding experts? Certified accountants? Legal specialists? Stationary suppliers? Printers? Domain and email hosting? Web developers? They're all on BSC... plus more! Reduce your costs Save time and effort It's free and you'll love it! Didn’t find the answer to your question? Ask our Support Team Dormant Accounts Filing Use Start Up A-Z to file accounts for a dormant UK Limited/Ltd company. If your company hasn't traded and you are approaching your company accounting deadline, Start Up A-Z can help! Read More Start Up Finance Streamline the start-up process with fixed-rate finance Why wait weeks for approval for a bank loan, or risk your personal savings to get your business off the ground? Read More Need Business Support? Join Business Support Club, your one-stop shop for your business needs. Avail our startup essentials package to get your business up and running fast! Join the club for free!

  • Business Formation with Companies House UK | Start Up A-Z

    Form your company quickly and easily with Companies House. Just a £50 filing fee to form your company and your business can be up and running within 48 hours. About UK Company Formation In the UK, we use the national registrar of companies, Companies House, to form new businesses. You can do this yourself, using the Companies House website found here . It costs a one-off £50 filing fee to form your company and subject to checks, your business will be formed, usually within 48 hours. Learn More Why Choose a Formation Agent? Anchor 1 Customer Service Most Company Formation agents are here to help and advise you; as a customer you have a right to be treated with respect and understanding throughout what can be a complex and daunting process. Extra Perks You’ll be given a few freebies and introductions alongside your company formation to introduce you to businesses and products or services that can help your company thrive. Easy Process Most formation agents have perfected and streamlined the process to enable Companies to be formed in as little time, and as few clicks, as possible. It’s in our, and your, interests to make the process quick and concise. Why Choose We make things simple . With SUAZ, your application can take as little as two minutes. Why? Because we make some fair assumptions along the way. We know our customers aren’t big, complex companies, they are small and just starting out, often meaning that a lot of the information that lengthens the Companies House process is not applicable. We support. Not only do we give help and advice to you during your company formation, but also into the future, as and when you need it. We and our partners are here to be the reliable foundation stone of your business. This means your calls and questions are just as welcome on day one-thousand as day one. We're free . We mean it – remember that £50 Companies House incorporation fee? We cover that for you. On top of this, our help and advice is also free. Free Company Formations Yes we’re free and no, that doesn’t mean we’ll harvest your data, organs or crops and sell to the highest bidder. We mean what we say: customers can use us and never pay a penny. We find that this certainty is helpful to new businesses and a gesture that endears us to clients. We make our money in two ways: We offer upsells that are helpful to new businesses during company formation. You don’t need any of them to be successful, but they often help you get a head start. Whether it’s professional branding or a private company address, we can make your company look and feel professional. We introduce you to other businesses and sometimes earn a commission. We’ll do this when you ask us for help finding suppliers. We only refer the best in every field. Who can form a free company? You must be forming a company on your own; the company will have one director and person of significant control – you. Other directors can be added at a later date of course. You must accept our standardised share structure. Your company will be formed with 100 shares, each valued at £1. (This does not relate to the value of your company) You must create a Business Support Club account, where we will securely manage your data, take payments and keep you updated with the status of your order. We use BSC both for our client relationship management and to help you find new suppliers.

  • A Quick Company Formation Services in the UK | Start Up A-Z

    At just £5 +VAT, this package covers company formation, including the Companies House mandatory £50 filing fee. Its a great value with money-back guarantee. Quick Formation: Start Your Business Now Choose a name and get your company formation prioritised This package, at just £5 +VAT , covers not only a quick company formation, but also includes Companies House mandatory £50 filing fee. It’s great value and comes with a money-back guarantee. About this package £ 5 . 00 +VAT Buy now Consider this if... You need a limited company and you need it quickly. This package guarantees a quick formation and resolution or your money back. This package doesn’t include extra perks, but they can be purchased during the checkout process. What's Included Limited company formation Companies House filing fee (£50) included in the price Standard memorandum & company articles Priority Formation Digital documents pack Help & support by phone or online Business Support Club Account Key Features Priority formation No hidden fees Digital documents Professional assistance No paperwork Know more about the inclusions Company Formation Company Formations Digital Documents Pack Help and Support Help and Support BSC Account BSC Or... you can go with Privacy Package! Choose this package to use our prestigious address to register your company, instead of your home address. Also included, a business telephone number that forwards to your mobile so customers see a business, not a person. Read more Additionally, you will get: Business Landline number Manchester Virtual office address

  • Circle Loop | Start Up A-Z

    Always be available for your customers. CircleLoop ensures you never miss a call with features like call forwarding, voicemail & professional auto-attendants. < Back Circle Loop Who are they? The smarter phone system for ambitious businesses Easy to use, with inclusive features and pay-as-you-grow pricing, CircleLoop helps businesses communicate better. Set up is simple on the devices you already have, from £5 per month. A business phone system, but not as you know it. A system that runs in simple cloud-based apps rather than being reliant on cables, clunky hardware and complicated SIP connections. A system that is completely self-service and you can set it up and manage without the need for technical knowledge. CircleLoop enables you to always be there for your customers. You’ll always present a professional image, never miss a call and enhance all your business relationships. All of this is achieved with cost-effective and flexible communications you can rely on. Key Points No fixed-term contracts Modern Cloud Telecoms A flexible and reliable modern-day phone solution A system that is completely self-service and you can set it up and manage without the need for technical knowledge. Previous Available Services Desktop and Mobile Apps Instant Number set-up Deskphone syncing Number Porting Conference Calls Call Recording Call Forwarding and Transfer Out of Hours Routing Next

  • ARGQ Designs | Start Up A-Z

    Need a brand or website? ARGQ delivers bespoke solutions tailored to your business. Cost-effective, quick turnaround, and expert support. Get a Free Quote. < Back ARGQ Designs Who are they? ARGQ Designs is a creative design agency that crafts strategy-led brands and web experiences in a short period of time. We specialise in bespoke design solutions, tailored to your individual business and work with start-ups to provide cost-effective solutions, without sacrificing on quality. At ARGQ, we don't tie clients into large budget campaigns or retainers, we work simply on a time allocation to ensure that you only pay for what you need and can spend your money in ways that will benefit your business most. Key Points UK-based management Quick and cost-effective solutions Costs from just £50 Backed by Business Support Club In operation since 2021 Previous Available Services Bespoke Branding - A complete branding package that provides everything you need to develop and position your business brand identity, including logo design, brand guidelines, document creation, social media headers, email signatures, etc. Website Creation - Build a high-quality, low-cost website to showcase your business and start trading online. Social Media Management - With packages available to suit your needs, we can build your social media presence and enhance your business activity. Content Creation - Content is King. Allow our experts to create content specific to your business, designed to increase engagement and deliver results. SEO - Improve your website and optimise for search, bringing more people to your website organically Paid Advertising - Spend money on advertising the right way. Allow our team of experts to manage your online advertising to increase website traffic and sales, without paying the usual large agency fees Next

  • Gorilla Accounting | Start Up A-Z

    Tired of complex accounting? Gorilla Accounting simplifies your finances with dedicated support, fixed fees, and simple software. Get a free consultation now! < Back Gorilla Accounting Who are they? All-inclusive accountancy service. Gorilla Accounting offer a fully-inclusive fixed fee package for all of your accountancy needs. Gorilla is a modern, straightforward solution to your accounting needs specifically designed for contractors and freelancers. Their flexible accounting solutions and processes are continually developed to ensure the best possible service. Gorilla Accounting have been offering accountancy for contractors and freelancers for many years. They specialise in technology-driven services that take the hassle out of accounting and we offer your very own dedicated accountant with unlimited support. Key Points Gorilla Accountancy offers: Unlimited help and advice A FREE no obligation consultancy call with one of their support team Low fixed monthly accounting fees for Limited Companies Regular business recommendations, such as Tax efficiency reviews, to ensure that you are getting the most out of your business Access to your own dedicated accountant Completion of your accounts and tax returns Access to simple online accounting software Previous Available Services Services available for Sole Traders, Contractors, and Limited Companies Accounting Tax Claims Self Assessment Next

  • The Accountancy Partnership | Start Up A-Z

    Get expert accounting advice. The Accountancy Partnership provides unlimited support, tax returns, and year-end accounts. Low fixed fees. Free consultation. < Back The Accountancy Partnership Who are they? All-inclusive accountancy service. When you join you will get your own dedicated accountant from one of our UK-based offices, who will get to know you and your business in detail. Your dedicated accountant will always be on hand to answer any questions about your business. You can contact them via email, or phone, or meet them in person any time you like. Key Points The Accountancy Partnership offers: Unlimited help and advice A FREE no obligation consultancy call with one of their support team Low fixed monthly accounting fees for Limited Companies Regular business recommendations, such as Tax efficiency reviews, to ensure that you are getting the most out of your business Access to your own dedicated accountant Completion of your accounts and tax returns Access to simple online accounting software Previous Available Services Services available for Sole Traders, Partnerships, Contractors, Freelancers, and Limited Companies Accounts Tax returns VAT returns Bookkeeping Payroll Self Assessment Next

  • Simply Business | Start Up A-Z

    Trusted by 900,000+ Businesses. Simply Business provides a wide range of insurance covers, including public liability & employers liability. Get a quote online. < Back Simply Business Who are they? Simply Business - Business and Landlord Insurance. Get a tailored policy in minutes and join over 900,000 businesses and landlords. As one of the UK’s biggest business insurance providers, Simply Business specialises in covers like professional indemnity insurance and employers’ liability insurance. They cover landlords too, offering insurance like tenant default insurance and rent guarantee insurance. Key Points Chosen by nearly 1 million small businesses and landlords Get a policy in minutes Compare and buy in minutes - Documents arrive within one day Rated 4.8/5 - Based on 39,802 Feefo reviews Help from UK-based experts 24/7 claims - Make a claim any time Previous Available Services Business insurance covers Public liability insurance Professional indemnity insurance Employers liability insurance Commercial building insurance Business health insurance Product liability insurance Shop insurance Tool insurance Van insurance Insurance for your business Commercial combined insurance Consultant insurance Contractor insurance Limited company insurance Manufacturing insurance Online retailer insurance Self-employed insurance Sole trader insurance Tradesman insurance Insurance by trade Beauty therapist insurance Builders insurance Catering insurance Catering van insurance Cleaning insurance Photographer insurance Hired in plant insurance Security public liability insurance Takeaway insurance Landlord insurance covers Buy-to-let insurance Landlord contents insurance Loss of rent insurance Landlord liability insurance Landlord accidental damage cover Alternative accommodation cover Unoccupied property insurance Tenant default insurance Buildings insurance for landlords Property types Residential landlord insurance Commercial landlord insurance Next

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  • How Much Professional Indemnity Insurance Do I Need? | Start Up A-Z

    Determine the right amount of professional indemnity insurance for your needs with our practical guide. Read more to protect your business effectively. How much professional indemnity insurance do I need? 15 min read Company Formations Table of Contents Categories What is professional indemnity insurance? Factors influencing how much professional indemnity insurance you need Calculating the appropriate level of professional indemnity insurance Minimum vs. recommended levels of cover Balancing cost and coverage Tips for choosing the right PII policy Reviewing and updating your cover Start your business journey Beginner's Guide Business Trends Company Formations Start-Up Finance Virtual Office Taking the leap and starting your own business is a one-of-a-kind adventure. And after all that hard work, the last thing you’d want is something to go wrong and affect the longevity of your business. That’s why taking out the right business insurance is so important. If your business offers professional services or advice, or works with data or intellectual property, you may benefit from taking out professional indemnity insurance (PII). PII offers financial protection - there to cover you financially should a client claim your advice or services caused them harm. Without it, you may need to pay out for legal costs and compensation yourself, which can be extremely costly. In this guide, we’ll answer the question ‘how much professional indemnity insurance do I need?’, by explaining how to calculate the level of coverage you require. We’ll also explain how to choose the right policy for your business needs. What is professional indemnity insurance? As a business owner offering professional services, you likely take pride in all the hard work you’ve put into your career. With this in mind, the last thing you want is the unexpected threatening your business’ reputation or financial wellbeing. That’s why professional indemnity insurance is so important - to cover you financially should a client file a claim against you. Your policy will cover the cost of compensation and legal fees, should a client accuse you of providing negligent services or offering poor advice that leads to financial loss or damage. You’d also want to be wise and think about all potential risks your business may face. That’s why you may consider bundling PII with other types of insurance to make sure you’re fully protected. Public liability insurance is another type of cover, designed to protect your business from accidents because of your business activities. To understand the specifics, our guide on what is public liability insurance and what does it cover answers all possible questions on this topic. Factors influencing how much professional indemnity insurance you need How much professional indemnity insurance you need is likely to depend on several factors, including: Industry requirements: Some industries, such as legal, financial and healthcare are required to have a minimum level of cover. Even if you’re not legally required to have insurance, it may be common practice to have a certain level of coverage to remain competitive or credible in your field. If you’re a member of a professional body, they may require you to have a minimum level of indemnity insurance to be registered with them. Client contracts: Clients may ask that you have a minimum level of PII to protect themselves, and may ask that this is listed in their contract. Risk exposure: How much risk you’re exposed to will depend on the nature of your services. For example, if you have a higher chance of making errors that could cost you financially or damage your reputation, you may require more coverage. Business size and revenue: Chances are the higher your revenue, the more exposure you have to claims. You may wish to choose a higher policy limit to protect yourself as your business grows. Your business size can also impact how much coverage you need, as having a larger team increases the likelihood of errors. Calculating the appropriate level of professional indemnity insurance To calculate how much professional indemnity insurance you need, you should evaluate potential risks and the financial impact of any claims on your business. First, consider the largest possible financial loss that could occur due to an error in your work. Consider the costs of rectifying your mistake, any compensation you would owe to clients, legal fees and the damage to your reputation that would arise. What may feel like a small mistake to you could cost you significant money, which without insurance you would need to pay for yourself. For example, an insurer paid £22,500 for an architect who was sued by his client for the costs of rectifying an extension built from a flawed design. Another way to calculate how much PII you’ll need is by looking at how often claims occur in your industry. High-risk industries such as construction, legal and finance, typically experience more claims than lower-risk sectors. The same applies to projects - the more complex your projects are, the more risks or errors they’re likely to carry. Minimum vs. recommended levels of cover While you could opt for the minimum amount of coverage, which is often dictated by industry standards and regulatory requirements, this may not be enough to fully protect your business. For example, law firms in the UK must have the compulsory primary £2m or £3m of cover in line with the Solicitor's Regulation Authority’s Minimum Terms and Conditions, but you may choose to take out additional cover to fully protect your business. Depending on the complexity of their projects, those in construction often need at least £250,000 to £1 million in professional indemnity insurance. However, recommended coverage often exceeds these amounts once you consider factors such as larger potential claims and high-value contracts. Try to balance minimum requirements with recommended levels to ensure your business is fully protected should the unexpected happen and you need financial support. Balancing cost and coverage You’ll want to find the right balance between cost and coverage to ensure your policy protects you for what you need it to, but doesn’t blow your budget. The higher your cover limit, the higher the premium you’ll pay. While you could pay less for your professional indemnity insurance, this could leave your business vulnerable with less coverage to protect it should you need to claim. To manage these costs, you may choose to pay a higher policy excess, meaning you’ll have more to pay in the event of a claim. But it’s important that you have the funds available to cover this cost if a claim does arise. Ultimately, to balance cost and coverage you’ll need to assess your level of risk, how likely you are to make a claim and if you’ll have the funds to hand to cover a higher excess should you need to. Tips for choosing the right PII policy Knowing you have the right professional indemnity insurance policy for your needs can give your business the confidence to thrive. Here are our top tips for choosing the right PII policy: Research the provider’s reputation: Try to choose an insurer that is known for handling PII claims effectively. Read their reviews, especially from other businesses in your industry. Review your policy coverage: Make sure the policy covers all the risks associated with your business (such as errors, omissions and negligence), including legal defense costs. Check policy flexibility: Choose a policy that can be amended should your business change. Check that you can adjust your coverage limits as your business grows. Consider additional coverage options: Consider policies that bundle PII with other types of insurance such as public liability insurance to ensure you’re fully protected. Compare premiums and excess: Gather quotes from different providers to compare pricing and excess. Try to balance premium costs with the excess cost, to ensure you can afford to pay it if you need to claim. Reviewing and updating your cover There’s more to professional indemnity insurance than just getting your policy. You’ll need to remember to review and update your policy regularly to ensure it continues to support you and your business’ needs. Try to conduct a review of your policy at least once a year, checking that your cover limits align with any contractual obligations you have and current industry standards. Also ensure you update your policy as your business grows. It’s likely that as your business evolves, your exposure to risk increases, especially if you’ve taken on larger clients or expanded your services. Make sure your policy is adjusted to cover these changes so you remain fully protected. Don’t forget to review your claims history and identify any patterns, such as recurring issues that may affect your risk profile. If you’ve needed to claim, your premium may have increased, so make sure your policy remains competitively priced and you’re still covered for similar claims going forward. Start your business journey Getting your professional indemnity insurance taken care of means you’re a step closer to chasing your business dreams. With SUAZ, you can form your limited company for free (yes, really!) with professional advice and support every step of the way. Form your limited company today. Recommended Readings

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