Fortune Formations — effective from the date of publication on fortuneformations.com
These Terms and Conditions ("Terms") govern your use of https://fortuneformations.com (the "Website") and any products or services supplied by Fortune Formations ("we", "us", "our"), whether ordered through the Website, by telephone, or by email. By using the Website or ordering any of our services you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Website or order any services from us.
These Terms are split into two parts. Part 1 applies to everyone who visits or uses the Website. Part 2 applies in addition to Part 1 whenever you purchase a product or service from us. An Acceptable Use Policy is set out at the end of this document and forms part of these Terms.
Please pay particular attention to the clauses dealing with the status of information on the Website, limitation of our liability, indemnities you give to us, anti-money laundering checks, fees and refunds, and termination, as these clauses have a significant effect on your rights and our obligations.
Fortune Formations is a company formation and corporate services provider. Our contact details are:
3.1 General information only. Content on the Website, including guides, calculators, blog posts, and any AI-assisted chat features, is provided for general information purposes only. It is not legal, tax, or accounting advice and must not be relied on as such. You should obtain independent professional advice before making any decision, including before purchasing any Service. We accept no responsibility for losses arising from a decision made in reliance on Website content instead of qualified advice.
3.2 No professional relationship. Nothing on the Website or in these Terms creates a solicitor-client relationship, an accountant-client relationship, or any other fiduciary duty between you and us.
3.3 Accuracy. We take reasonable steps to keep the Website accurate and up to date but do not guarantee that it is free from error, and we may change or remove content at any time without notice.
3.4 Availability. We aim to keep the Website available but do not guarantee uninterrupted or error-free access, and we may suspend, withdraw, or restrict access to all or part of the Website at any time.
3.5 Security. You are responsible for configuring your own equipment and using up-to-date virus protection to access the Website safely. We give no warranty that the Website is free from viruses or other harmful code.
4.1 If you register an account with us, you must keep your login details confidential and are responsible for all activity carried out through your account. You must notify us immediately at hello@fortuneformations.com if you become aware of any unauthorised use of your account.
4.2 We may suspend or close an account if we reasonably believe it is being used in breach of these Terms, to commit fraud, or in a manner that puts us at legal or regulatory risk.
5.1 Where you submit reviews, comments, or other content to the Website or our social media pages, that content must comply with the Acceptable Use Policy at the end of these Terms. You remain the owner of your content but grant us a non-exclusive, royalty-free, worldwide licence to use, reproduce, and display it in connection with promoting and operating our Services.
5.2 We may remove any content that we consider, in our reasonable opinion, breaches the Acceptable Use Policy, and we are not responsible for content posted by other users or third parties.
6.1 We (or our licensors) own all intellectual property rights in the Website and its content, including text, design, graphics, and logos. You may view and print extracts for your own personal, non-commercial use only.
6.2 You must not copy, republish, reproduce, or exploit any part of the Website for commercial purposes without our prior written consent, and you must not use any automated tool (including bots, scrapers, or data-mining software) to extract data or content from the Website.
Where the Website links to third-party websites, this is for your convenience only and does not imply any endorsement by us. We have no control over, and no liability for, the content, availability, or privacy practices of any third-party site.
We process personal data in accordance with our Privacy Policy, available on the Website. By using the Website or ordering Services, you confirm you have read and understood the Privacy Policy.
9.1 The Website is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we exclude all warranties, whether express or implied, in relation to the Website.
9.2 To the fullest extent permitted by law, our liability arising out of your use of the Website (as opposed to any Service you purchase, which is dealt with in Part 2) is excluded. Where liability cannot lawfully be excluded, it is capped at £150.
9.3 Nothing in these Terms excludes or limits 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.
9.4 We are not liable for indirect or consequential losses, including loss of profit, loss of business, or loss of goodwill, arising from your use of the Website.
Save as expressly stated, a person who is not a party to these Terms has no right to enforce any of its provisions under the Contracts (Rights of Third Parties) Act 1999.
We may update these Terms from time to time. The version published on the Website at the time of your order, or at the time of your use of the Website, will apply. Please check the Terms periodically.
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force. A failure by us to enforce any right does not amount to a waiver of that right.
This Part 2 applies in addition to Part 1 whenever you order a Service from us, whether through the Website, by phone, or by email. If there is a conflict between Part 1 and Part 2, Part 2 prevails.
We currently offer the following Services, which may be purchased individually or as part of a package. This list is not exhaustive and may change from time to time; the Website will always set out our current offering:
13.1 Our Services do not include legal advice, tax advice, accountancy or audit services, or advice on the suitability of any company structure for your purposes, unless expressly agreed with you in writing. We strongly recommend you take independent professional advice before purchasing any Service.
13.2 We provide the Services with reasonable care and skill but, other than as set out in this Part 2, do not accept responsibility for losses caused by your reliance on the Services in place of professional advice.
14.1 An order placed through the Website, by phone, or by email is an offer to purchase Services, which we may accept or decline at our discretion — for example, where we believe the Customer is connected to a Restricted Industry or Restricted Jurisdiction, or where our due diligence checks are not satisfactorily completed.
14.2 Where you place an order for the incorporation of a Corporate Entity, you do so as agent for that Corporate Entity (once formed), and you accept personal liability for the order until the Corporate Entity is incorporated and takes on the contract, in line with section 51 of the Companies Act 2006.
14.3 It is your responsibility to read the description of each Service carefully before ordering, including any Additional Services offered at checkout, and to contact us with any questions before placing your order.
15.1 Where you order the incorporation of a new Corporate Entity, that Corporate Entity becomes our Customer on incorporation. Where you order Services for an existing Corporate Entity, that Corporate Entity is our Customer. Where an individual places an order on behalf of a Corporate Entity, that individual is treated as the lead contact but is not personally the Customer (save as set out in clause 14.2).
15.2 Where you are an Intermediary ordering Services for the benefit of an end client, clause 33 applies and you, not your end client, are our Customer.
16.1 Prices are shown on the Website and are exclusive of VAT unless stated otherwise. Any applicable Companies House or third-party filing fee is separate from our fee unless expressly stated to be included.
16.2 Where Companies House or a third party increases a fee that we have already charged you (for a one-off Service) or that applies to a renewing Service, we may recover the increase from you by charging the payment card held on file.
16.3 For renewable Services (annual or monthly), by accepting these Terms you authorise us to take payment automatically using the card on file at each renewal, unless you cancel in writing at least the notice period stated for that Service before the renewal date.
16.4 If a payment is unsuccessful, we may charge interest on overdue amounts at 4% per year above the Bank of England base rate, and we may suspend or terminate the relevant Service until payment is received.
16.5 We reserve the right to correct any pricing error on the Website; where a genuine error has occurred, we will contact you and you may cancel the affected order for a full refund.
17.1 We are subject to the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 and must carry out due diligence on our Customers. By ordering Services you authorise us to carry out electronic identity and address verification checks (which may involve a credit reference agency and may leave a soft or hard search record) and, where necessary, to request certified copies of identification documents.
17.2 We may decline to provide, or may suspend or terminate, any Service where we are unable to complete satisfactory due diligence, where you fail to respond to a request for information or documents, or where our ongoing monitoring reveals a concern. We are not liable for any loss arising from such action, and no refund will be given where a Service is cancelled due to your failure to provide required information.
17.3 We may ask you to complete a short questionnaire about your Corporate Entity's business activities. You must notify us promptly if any of this information changes.
18.1 We only accept company formation orders from individuals aged 18 or over, and we cannot accept an order that would appoint as an officer, or allot shares to, anyone who is disqualified from acting as a director or who is an undischarged bankrupt (save where the law permits them to hold shares only).
18.2 Incorporation is carried out through Companies House's electronic filing system. We have no control over, and no liability for, Companies House processing times, which are typically same-day to next Working Day but may take longer.
18.3 It is your sole responsibility to check that your chosen company name is available and lawful to use. We do not warrant that any name you select will be accepted by Companies House.
18.4 Once your incorporation application has been submitted to Companies House, we are unable to offer a refund of our formation fee, even if the application is subsequently rejected due to information you provided.
18.5 On successful incorporation you will receive your certificate of incorporation and related statutory documents electronically. You are responsible for storing these safely and for backing up any digital copies.
19.1 Our Registered Office and Service Address services allow you to use our address to meet your statutory obligations under the Companies Act 2006 and provide for scanning and forwarding of official government and court correspondence only. These services must not be used as a trading address or for VAT registration purposes.
19.2 Our Business Address service additionally covers general business mail, subject to size and weight limits published on the Website (we do not accept parcels over 5kg or larger than 500 x 500mm).
19.3 Mail is opened, scanned, and made available to you electronically; physical copies are retained for a limited period (currently 7 calendar days) and then securely destroyed unless you request forwarding, which is chargeable at Royal Mail rates plus a handling fee.
19.4 If a renewal payment is not received by the renewal date, or required ID has not been provided, you authorise us to update the registered office or service address at Companies House to an alternative address you have provided, or to remove our address using the appropriate Companies House form.
19.5 You must not use any address service to send, receive, or store special category or sensitive personal data (such as health records) or bulk personal data. Any such use is at your own risk and we accept no liability for loss, delay, or breach arising from it.
19.6 One address service may only be used by a single Corporate Entity; a separate subscription is required for each Corporate Entity or trading name.
20.1 Where you purchase a confirmation statement or other statutory filing service, you must provide accurate and complete information within the timeframe we request. We are not liable for a late or missed filing caused by your failure to provide this information in time.
20.2 These Services do not remove the statutory responsibility of your Corporate Entity's directors or members to ensure filings are accurate and made on time. We will send reminders as a courtesy but this does not transfer that legal responsibility to us.
21.1 We may offer nominee director, nominee shareholder, or nominee secretary services, under which an individual or entity we appoint acts as a formal officer or member of record for privacy purposes, in accordance with a separate nominee services agreement which you must read and sign before the service begins.
21.2 Nominee Services do not transfer beneficial ownership or actual control of the Corporate Entity, and do not remove any underlying obligation you have to identify the true beneficial owner(s) to us or to any regulator, bank, or third party where required by law.
21.3 You remain solely responsible for the lawful operation of the Corporate Entity, and you must indemnify us against any loss, claim, or liability arising from the Corporate Entity's activities while a nominee we provide is appointed, save to the extent caused by our own negligence or wilful default.
21.4 We may terminate a Nominee Service immediately and without liability if we become aware, or reasonably suspect, that the Corporate Entity is being used for an unlawful purpose or a purpose inconsistent with the information you provided to us.
22.1 Where we refer you to a banking partner, we act only as an introducer. The decision to open an account, and the terms of that account, are entirely a matter between you and the bank. We do not guarantee that any application will be successful and have no liability for the bank's acts, omissions, or decisions.
23.1 Save where a Service-specific refund right is stated elsewhere in this Part 2, if you change your mind about a Service before we have started to perform it, you may request a refund within 14 calendar days of purchase by emailing hello@fortuneformations.com.
23.2 No refund is available once we have begun performing a Service (for example, once a company formation application has been submitted to Companies House, or an address service has been set up and used), except where required by law or expressly stated otherwise in these Terms.
23.3 We do not provide refunds where a Service is cancelled or withheld because you failed to complete our anti-money laundering or identity verification requirements.
24.1 Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any liability that cannot lawfully be limited or excluded.
24.2 Subject to clause 24.1, our total liability to you arising out of or in connection with the Services, whether in contract, tort (including negligence), or otherwise, is limited to the total fees you paid us for the relevant Service in the 12 months preceding the event giving rise to the claim (excluding Companies House and third-party disbursements).
24.3 We are not liable for indirect or consequential losses, including loss of profit, loss of business or contracts, or loss of goodwill.
24.4 We are not liable for delay, error, or rejection caused by Companies House, HMRC, banks, couriers, or any other third-party system or provider outside our control, nor for losses caused by inaccurate or incomplete information you provide to us.
24.5 We are not responsible for reviewing the legal or regulatory suitability of any document, template, or filing you complete yourself using materials we make available; such materials are general in nature and are provided "as is".
25.1 You may cancel an ongoing (renewable) Service by giving us at least 30 calendar days' written notice before the renewal date; no refund is given for the remainder of a period already paid for.
25.2 We may suspend or terminate any Service immediately, without liability, if you fail to pay sums due, breach these Terms (and do not remedy a remediable breach within 14 calendar days of being asked to), fail our AML/KYC checks, or if we reasonably consider that continuing to provide the Service would expose us to legal, regulatory, or reputational risk, including where you are or become connected with a Restricted Industry or Restricted Jurisdiction.
25.3 On termination of an address service, if you continue to use our address after the Service ends, the Service will be treated as renewed and you remain liable for the applicable fee until the address is changed at Companies House.
Each party will keep confidential any non-public information received from the other in connection with the Services and will only use it to perform obligations under these Terms, except where disclosure is required by law or regulation, or to professional advisers on a need-to-know basis.
We are not liable for any delay or failure to perform caused by events outside our reasonable control (including but not limited to acts of God, pandemic, strikes, war, terrorism, fire, or failure of telecommunications or computer systems). If such an event continues for more than 14 Working Days, either party may cancel the affected Service, with a pro-rata refund for any part not yet provided.
If you are unhappy with any aspect of our Services, please contact us at hello@fortuneformations.com in the first instance, and we will investigate and respond in accordance with our Complaints Policy, available on request.
Formal notices under these Terms must be in writing and sent by email to hello@fortuneformations.com (us) or to the email address you have provided us (you), or by post to Highfield House, 1561 Stratford Road, Hall Green, Birmingham, England, B28 9HA (us) or to your registered/service address on file (you). Notices are treated as received the next Working Day for post, or on the day of sending for email, provided no delivery failure is received.
By accepting these Terms you consent to us using identity verification providers as described in clause 17, and to us sharing limited order information (such as your name, email address, and order reference) with trusted partners for purposes such as requesting reviews, subject always to our Privacy Policy.
31.1 If you order Services on behalf of an end client as an accountant or other professional intermediary, you are treated as our Customer, not your end client, and you are personally responsible for payment and for compliance with these Terms.
31.2 We will only accept orders from Intermediaries who can evidence appropriate anti-money laundering supervision, and we reserve the right to request evidence of this at any time.
31.3 We will not correspond with your end client directly unless you have authorised this in writing, and you remain responsible for providing us with accurate and timely information relating to the end client's Corporate Entity.
These Terms, and any dispute or claim arising out of or in connection with them (including non-contractual disputes), are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction.
This Acceptable Use Policy applies whenever you use the Website, submit content to it, or interact with us or other users through it, and forms part of these Terms.
You must not use the Website:
Any content you submit to the Website must be accurate, lawful, and not:
Where we consider this policy has been breached, we may remove the relevant content, suspend or terminate your access to the Website, issue a warning, take legal action, or report the matter to the relevant authorities, as we consider appropriate in the circumstances.
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