1. Who We Are

Compass Consulting Group Limited ("the Company", "we", "us", "our") is a company incorporated in England and Wales. We provide business advisory, compliance, financial, HR, and corporate services to SMEs across the United Kingdom.

We are the data controller of the personal information you provide to us. This policy explains how we collect, use, store, and protect your personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. Data We Collect

We may collect the following categories of personal data:

• Identity data: name, title, date of birth, national identity documents (where required for compliance purposes)
• Contact data: email address, telephone number, postal address
• Business data: company name, registration number, industry, role
• Financial data: payment information, billing address (processed securely via our payment partners)
• Usage data: how you interact with our website and client portal
• Compliance data: information required by law for AML/KYC purposes (where applicable)

3. How We Use Your Data

We use your personal data for the following purposes:

• To provide and manage the services you have requested
• To comply with our legal and regulatory obligations (including Anti-Money Laundering Regulations 2017)
• To communicate with you about your account, services, and enquiries
• To send you relevant updates and marketing communications (where you have consented)
• To improve our services and client experience
• To detect and prevent fraud or misuse of our services

4. Legal Basis for Processing

We process your personal data under the following legal bases:

• Contract performance: where processing is necessary to provide the services you have engaged us for
• Legal obligation: where we are required to process data to comply with UK law, including AML regulations
• Legitimate interests: for business operations, fraud prevention, and service improvement
• Consent: for marketing communications, which you may withdraw at any time

5. Data Retention

We retain personal data only for as long as necessary for the purposes it was collected and as required by law. In particular:

• Client records and compliance documentation: minimum 5 years following the end of a business relationship (in accordance with MLRs 2017 Regulation 40)
• Financial records: minimum 6 years (Companies Act 2006)
• Marketing preferences: until you withdraw consent

6. Your Rights

Under UK GDPR, you have the following rights regarding your personal data:

• Access: to request a copy of the data we hold about you
• Rectification: to request correction of inaccurate data
• Erasure: to request deletion of data (subject to legal retention obligations)
• Restriction: to request we limit processing in certain circumstances
• Portability: to receive your data in a structured format
• Objection: to object to processing based on legitimate interests

To exercise any of these rights, please contact us via the details in our contact section. You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk.

7. Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. All data transmissions are encrypted via SSL/TLS.

8. Contact

For any privacy-related queries or to exercise your rights, please contact us at: michelle@compass-consulting.co.uk

1. About These Terms

These Terms of Service govern your use of the Compass Consulting Group Limited website and client portal, and the provision of our advisory and consulting services. By accessing our website or engaging our services, you agree to these terms.

Compass Consulting Group Limited is incorporated in England and Wales, registered at Companies House under Company Number 17241912.

2. Our Services

Compass Consulting Group Limited provides business advisory services including AML compliance support, company secretarial services, risk management, human resources advisory, FCA regulatory support, corporate finance, and nominee director services.

All services are provided to businesses and professional clients. We do not provide consumer services. Our services constitute advisory support and do not constitute legal advice. Clients should seek independent legal counsel for matters requiring legal opinion.

3. Engagement Terms

Specific engagement terms, scope, fees, and deliverables will be set out in a separate Engagement Letter or Service Agreement for each client engagement. These Terms of Service apply alongside any such agreement.

• All fees are quoted exclusive of VAT unless otherwise stated
• Invoices are payable within 30 days of issue unless otherwise agreed
• We reserve the right to suspend services in the event of non-payment
• Minimum engagement periods may apply to certain service packages

4. Client Obligations

You agree to:

• Provide accurate, complete, and up-to-date information when requested
• Co-operate with our team in a timely manner
• Comply with all applicable laws and regulations in your jurisdiction
• Not use our services for any unlawful purpose
• Notify us promptly of any material changes to your business that may affect the services

5. AML Compliance Obligations

Where we provide AML compliance services, please note:

• Our services are advisory only and do not transfer regulatory responsibility from you or your MLRO
• We will conduct our own client due diligence (CDD) on all clients as required under the Money Laundering Regulations 2017
• We may be required to file a Suspicious Activity Report (SAR) with the National Crime Agency (NCA) if we form a suspicion of money laundering. We are prohibited from disclosing this to you ("tipping off")
• We reserve the right to terminate our engagement without liability if CDD requirements cannot be met

6. Liability

To the fullest extent permitted by law, Compass Consulting Group Limited's liability for any claim arising from the provision of services shall not exceed the total fees paid by the client in the preceding 3 months.

We shall not be liable for any indirect, consequential, special, or incidental losses. Nothing in these terms limits liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation.

7. Intellectual Property

All materials, reports, documents, and outputs produced by us remain our intellectual property until full payment has been received, at which point a licence to use such materials for the agreed purpose is granted to you.

8. Governing Law

These Terms of Service are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

9. Amendments

We may update these terms from time to time. Continued use of our services following notification of changes constitutes acceptance of the revised terms.

1. Parties

This Standard Service Agreement sets out the general terms under which Compass Consulting Group Limited ("the Consultant") provides services to clients ("the Client"). Specific services, fees, and timelines will be confirmed in a separate Engagement Letter.

2. Scope of Services

The Consultant agrees to provide the advisory services specified in the Engagement Letter, which may include:

• AML compliance advisory and platform access (via Compass AML)
• Company secretarial services
• Risk management and controls advisory
• Human resources advisory
• FCA regulatory support
• Corporate finance advisory
• Nominee director services (subject to enhanced due diligence)

3. Fees and Payment

Fees are set out in the Engagement Letter. Unless otherwise agreed:

• Monthly retainer fees are invoiced in advance on the 1st of each month
• Project fees are invoiced as agreed, typically 50% on commencement and 50% on completion
• Expenses (travel, disbursements) will be recharged at cost with prior agreement
• Interest accrues on overdue invoices at 8% above Bank of England base rate per the Late Payment of Commercial Debts Act 1998

4. Confidentiality

Both parties agree to maintain the confidentiality of any proprietary or sensitive information disclosed during the engagement, and not to disclose such information to third parties without prior written consent, except as required by law.

5. Termination

Either party may terminate this agreement on 30 days' written notice. Termination does not affect any accrued rights or obligations. We may terminate immediately in cases of non-payment, breach of these terms, or where we are unable to complete required client due diligence.

6. Dispute Resolution

In the event of a dispute, parties agree to attempt good-faith resolution. If unresolved after 30 days, disputes may be referred to mediation before litigation. This agreement is governed by English law and subject to the jurisdiction of the English courts.