Terms & Conditions

About Us

KYCifi is a compliance consultancy trading under the name KYCifi. Our principal place of business is No 1 Spinningfields, Manchester M3 3EB. You can contact us at contact@kycifi.com or on 0161 706 0333.

These Terms and Conditions ("Terms") set out the basis on which KYCifi provides services to its clients. By engaging our services, whether by confirming an engagement by email, by telephone, or by any other means, you confirm that you have read and agree to these Terms.

If you do not agree to these Terms, you should not proceed with an engagement. We reserve the right to update these Terms from time to time; the version in force at the time you engage us will apply to that engagement.

Our Services

KYCifi provides compliance consultancy services to individuals and businesses, including but not limited to:

• Reviewing and interpreting KYC, AML and Source of Funds requests issued by banks and financial institutions
• Preparing written responses, response packs, and supporting documentation on your behalf
• Advising on document selection, presentation, and the evidence needed to satisfy compliance queries
• Preparing Ownership and Control documentation for businesses with complex corporate structures
• Enhanced Due Diligence (EDD) support, including narrative preparation for politically exposed persons (PEPs) and high-risk profiles
• PEP, sanctions, and adverse media screening review and response support
• Ongoing support and follow-up assistance where a bank or institution requests additional information following an initial submission

The specific scope of work will be agreed with you before we begin and confirmed in our engagement communication. We reserve the right to decline to take on work at our absolute discretion and without obligation to provide reasons.

Not Legal Advice

Nothing we produce, communicate, or advise constitutes legal advice, legal representation, or a lawyer-client relationship. We do not hold ourselves out as solicitors, barristers, or legal advisers, and our work should not be treated as a substitute for independent legal advice.

If your situation requires legal advice, for example, in connection with a formal regulatory investigation, a legal challenge to a bank's decision, court proceedings, or any matter where a qualified legal professional's input is required, you should consult a solicitor or barrister who is authorised and regulated by the Solicitors Regulation Authority or the Bar Standards Board.

We will always act in good faith and apply our professional expertise fully to your matter. However, the scope and nature of our services is compliance consultancy, not legal practice.

Fees

We operate on a fixed-fee basis wherever possible. Our fee for the agreed scope of work will be quoted to you clearly before any paid work begins, and you will not be charged for work you have not agreed to in advance.

• Initial consultation: our initial consultation call is provided free of charge and carries no obligation to proceed
• Fixed-fee engagements: the quoted fee covers the scope of work agreed at the time of engagement; additional work outside that scope will be identified and quoted separately before it is carried out
• Payment terms: payment is typically required in full in advance, or in agreed stages for larger engagements; we will confirm payment terms at the time of quoting
• Cancellation after commencement: if you cancel an engagement after work has begun, you will be liable for fees in respect of work completed to that point; any advance payment in excess of fees earned will be refunded promptly
• Cancellation before commencement: if you cancel before work has started, any advance payment will be refunded in full

All fees are stated exclusive of VAT unless expressly stated otherwise. VAT will be charged at the applicable rate. We will issue a VAT invoice where required.

Your Responsibilities

The quality and effectiveness of our work depends substantially on the information and documents you provide to us. By engaging KYCifi, you agree to the following responsibilities:

• Provide accurate, complete, and truthful information and documentation to the best of your knowledge and belief
• Not knowingly withhold any information that is material to your case or that could affect the advice or documentation we provide
• Respond promptly to our requests for information, clarification, or additional documents
• Provide documents in a legible, usable form and within any timescales agreed with us
• Notify us immediately if your circumstances change in a material way that may affect our work or the accuracy of information previously provided
• Use our work product only for the specific purpose for which it was prepared and not misrepresent it to any third party

We accept no liability for loss or adverse outcomes arising from inaccurate, incomplete, or misleading information provided by you. By engaging KYCifi, you confirm that you are not seeking to use our services to assist in any unlawful activity, including the concealment or disguise of criminally derived funds.

Confidentiality

We treat all information you share with us as strictly confidential. We will not disclose your personal or business information to any third party without your express consent, except in the following circumstances:

• Legal obligation: where we are required by law to disclose information, including our obligations under anti-money laundering and counter-terrorism financing legislation
• Suspicious Activity Reports: where we become aware of information that gives rise to a suspicion of money laundering or terrorist financing, we are legally obliged to make a report to the National Crime Agency; in such cases, we may be legally prohibited from disclosing to you that a report has been made ("tipping off" restrictions under the Proceeds of Crime Act 2002)
• Service providers: trusted IT and professional service providers acting as data processors on our behalf, subject to appropriate contractual obligations of confidentiality
• Your authorisation: where you have given us explicit authority to share specific information with a named third party on your behalf

Our confidentiality obligations continue in full force after the conclusion of any engagement and shall survive termination of these Terms. We will take all reasonable steps to protect your confidential information from unauthorised access or disclosure.

Limitation of Liability

To the fullest extent permitted by applicable law, KYCifi's aggregate liability to you in connection with any engagement is limited as follows:

• Overall cap: our total liability to you arising out of or in connection with any engagement shall not exceed the total fees paid by you to us in respect of that specific engagement
• Indirect and consequential loss: we shall not be liable for any indirect, special, or consequential loss or damage, including but not limited to loss of profit, loss of business, loss of revenue, loss of anticipated savings, loss of goodwill, or loss of opportunity
• Third-party decisions: we are not responsible or liable for the decisions, actions, or omissions of any bank, financial institution, regulator, or other third party in response to work we have prepared
• Reliance on information you provided: we are not liable for any loss arising directly or indirectly from inaccurate, incomplete, or misleading information or documentation provided to us by you or on your behalf

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded or limited under English law.

No Guarantee of Outcome

We cannot guarantee, and do not guarantee, any particular outcome from the services we provide. Banks, financial institutions, and other regulated entities make their compliance and risk decisions independently. Our role is to give you the strongest, most professionally prepared response possible, but the ultimate decision rests entirely with the institution concerned.

While we work to give every client the strongest possible position, factors entirely outside our control may affect the outcome. These include the institution's internal risk appetite and commercial decisions, changes in regulatory requirements or guidance, information identified by the institution in the course of its own due diligence, and your individual risk profile.

We will always provide you with an honest assessment of your situation, including where we believe the prospects of a favourable outcome are limited. We will not knowingly accept instructions for work that we do not believe can materially assist you.

Governing Law

These Terms and any engagement to which they apply are governed by and construed in accordance with the laws of England and Wales. Any dispute arising out of or in connection with these Terms or any engagement, including any question regarding their existence, validity, or termination, shall be subject to the exclusive jurisdiction of the courts of England and Wales.

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable in whole or in part, that provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable. The validity and enforceability of the remaining provisions shall not be affected.

These Terms constitute the entire agreement between you and KYCifi in relation to the provision of our services and supersede all prior representations, agreements, or understandings, whether oral or written, relating to the same subject matter.

Contact

If you have any questions about these Terms, wish to discuss a proposed engagement, or need to raise a concern about work already in progress, please contact us:

We aim to respond to all enquiries within one business day. We take complaints and concerns seriously, and if you are dissatisfied with any aspect of our service, please let us know and we will do our best to resolve the matter promptly.