1.1 "4Business" means the multi-jurisdictional marketing insignia of an international group of companies offering company formations and related services. Member companies are independent of one another and have no authority, with regard to any other group member, to represent, bind or act directly or indirectly as a statutory, managing or general agent, representative or attorney for any purpose whatsoever, nor to be based in any jurisdiction outside that in which they are incorporated.
1.2 "4BUSINESS" means a member of 4Business which expression shall include their successors in title and assigns on its own behalf and as agent for the 4BUSINESS Officers (as hereinafter defined) and the employees thereof and any company under their direct or indirect control and any director or employee thereof (which expression shall include any of them).
1.3 "4BUSINESS Officers" means any person, firm or company nominated by 4BUSINESS who may from time to time be appointed as director, alternate director, secretary, assistant secretary, manager, partner, accountant, VAT or tax agent, bank account signatory, other officer, administrator, registered agent, provider of a registered office or address for legal service or registered shareholder of the Entity (as hereinafter defined) and the employees thereof and any company under their direct or indirect control or any director or employee thereof (which expression shall include any of them).
1.4 "Entity" means a company, partnership or other legal entity or structure established and / or administered by 4BUSINESS at the request of the Clients (as hereinafter defined).
1.5 "Services" means the provision by 4BUSINESS of management, administration and / or other services (including the operation or control of an Entity's bank account(s)) requested by the Clients or the Clients' Appointees (as hereinafter defined) or such other services provided by 4BUSINESS to maintain the Entity in good standing in its country of establishment or incorporation.
1.6 "Clients" means in the case of a company or other legal entity the beneficial owner or owners of the Entity which expression shall in the case of individuals include their heirs, personal representatives and assigns and shall in the case of more than one person mean such persons jointly and severally and shall include the survivor or survivors of them and their respective heirs, personal representatives and assigns.
1.7 "Clients' Appointees" means any person who is not an 4BUSINESS Officer and who may from time to time be nominated or appointed to act as Managing Agent (as hereinafter defined), director, alternate director, secretary, assistant secretary, manager, partner, trustee, protector, beneficiary, bank account signatory, other officer, grantee of a power of attorney, administrator, registered agent, provider of a registered office or address for legal service or registered shareholder of the Entity (which expression shall include any of them).
1.8 "Managing Agent" means a person who may in writing be authorised by the Clients to issue requests or instructions to 4BUSINESS or to accept service of any notice from time to time issued by 4BUSINESS relating to the Entity.
1.9 "Terms of Business" means these Terms of Business or such other new Terms of Business as may from time to time be published on 4Business's website (www.4Business.com) and shall be deemed to include such other conditions which 4BUSINESS may from time to time advise to the Clients or the Clients' Appointees or publish on its website. These Terms of Business apply to all of 4BUSINESS's Clients and Clients' Appointees.
2. UNACCEPTABLE BUSINESS AND ACTIVITIES REQUIRING PRE-APPROVAL
2.1 "Illegal Activities" means any activity designated anywhere in the world as illegal or criminal which, without prejudice to the generality of the foregoing, shall be deemed to include activities relating to terrorism, drug trafficking, money laundering, receiving the proceeds of criminal activities or trading with countries which may from time to time be subject to any embargo imposed by the Security Council of the United Nations, the European Union, the United Kingdom or the Isle of Man or any successor or similar international organisation.
2.2 "Prohibited Persons" means persons:
2.2.1 prohibited under the laws of any country for whatsoever reason or who may otherwise be legally incapable or disqualified from being party to a contract.
2.2.2 who are undischarged bankrupts or are otherwise disqualified from acting as a director or company officer or who have been imprisoned or found guilty of any criminal offence (other than a motoring offence carrying a non-custodial sentence).
2.2.3 who have been proven to act in a fraudulent or dishonest manner in any civil proceedings.
2.2.4 who are resident in a country which is subject to any international restriction or embargo including, but without prejudice to the generality of the foregoing, those imposed by the Security Council of the United Nations, the European Union, the United Kingdom or the Isle of Man or any successor or similar organisation.
2.2.5 who are government officials or politicians.
2.3 "Prohibited Activities" means activities not approved or accepted by 4BUSINESS and which, without prejudice to the generality of the foregoing, include activities relating to:
2.3.1 arms, weapons or munitions;
2.3.2 mercenary or contract soldiering;
2.3.3 security and riot control equipment such as stun guns, electronic restraining devices, CS gas or other similar materials, pepper sprays or any other device that could lead to the abuse of human rights or be utilised for torture or which may otherwise be used in an offensive manner;
2.3.4 technical surveillance or bugging equipment and industrial espionage;
2.3.5 dangerous or hazardous biological, chemical or nuclear materials including equipment or machinery to manufacture or handle such materials and the transportation, handling, disposal or dumping of such materials;
2.3.6 human or animal organs, including blood and plasma;
2.3.7 the abuse of animals, vivisection or the use for any scientific or product testing purpose of animals;
2.3.8 genetic material;
2.3.9 agencies, including surrogate motherhood;
2.3.10 the abuse of refugees or human rights;
2.3.12 drug paraphernalia;
2.3.13 the offer or provision of legal or tax advice otherwise than by persons who are professionally qualified and, where appropriate, licensed so to do;
2.3.14 any activity which may damage the reputation of 4BUSINESS or the country of establishment or incorporation of the Entity.
2.4 "Pre- Approval Required Activities" means:
2.4.1 Time share and holiday clubs.
2.4.2 Gambling or lotteries.
2.5 If any Clients or the Clients' Appointees are or become Prohibited Persons, or engage in any Illegal Activities or the Entity engages in any Illegal Activities or Prohibited Activities or undertake any Pre-Approval Required Activities without first obtaining 4BUSINESS's prior written consent, 4Business may at its discretion immediately terminate the Services or take any of the actions referred to in Paragraph 8.4 hereof.
3.1 The Clients undertake, warrant and covenant with 4BUSINESS that:
3.1.1 they have full legal capacity to enter into an agreement with 4BUSINESS in accordance with these Terms of Business and to acquire the Entity and to receive the Services.
3.1.2 when the Entity is not a trust or a foundation, they are the ultimate beneficial owners of the Entity.
3.1.3 they are not and will not act in a fiduciary capacity for any other person, firm or company in relation to the Entity.
3.2 The Clients undertake and warrant with 4BUSINESS that they:
3.2.1 will comply with 4BUSINESS's Terms of Business.
3.2.2 procure that those appointed as Clients' Appointees understand the legal duties and obligations created by these Terms of Business and shall, if so required by 4BUSINESS, procure that such persons enter into direct written agreements with 4BUSINESS agreeing to comply with these Terms of Business.
3.2.3 have taken appropriate tax and legal advice with regard to the establishment, acquisition and operation of the Entity.
3.2.4 agree that 4BUSINESS may (but shall not in any event be obliged to) rely on communications received from the Clients or the Clients' Appointees in determining what steps 4BUSINESS is required to take in providing the Services.
3.2.5 will pay, in full, any personal or corporate taxes that may become due as a result of the establishment and operations of the Entity.
The Clients jointly and severally (for themselves and on behalf of the Clients' Appointees) covenant with 4BUSINESS and with the Entity and, where appropriate, shall procure that the Entity covenants with 4BUSINESS that they will at all times indemnify and keep 4BUSINESS indemnified:
4.1 against all actions, suits, proceedings, claims, demands, costs, expenses and liabilities (including legal fees), which may arise or be incurred, commenced or threatened against 4BUSINESS in connection with or arising from the acquisition or business activity of the Entity or the provision of the Services;
4.2 in respect of anything done or omitted to be done by 4BUSINESS, provided that this provision shall have no application to any liability for death or personal injury arising from the negligence of 4BUSINESS or to any liability arising as a result of fraud on the part of 4BUSINESS;
4.3 in respect of any failure by 4BUSINESS to comply, wholly or partially, with any instruction or request made by the Clients or the Clients' Appointees or any errors or incomplete instructions or requests received by 4BUSINESS;
4.4 in respect of any loss or damage arising from the use of facsimile or email, including the use of unencrypted email, failed or incomplete transmission, distortion and loss of privacy arising from viruses or otherwise;
4.5 in respect of any penalties, fines, fees or other liabilities incurred by the Clients and / or the Clients' Appointees and / or the Entity in relation to the Entity and / or the Services.
5. NO LIABILITY FOR LOSS
4BUSINESS expressly disclaims any liability to the Clients, the Clients' Appointees, the Entity and any third parties associated with them for any damage or loss to any of them arising from the establishment, acquisition or operation of the Entity and / or the provision of the Services by or to the Clients, the Clients' Appointees, the Entity or any other person.
6. ADDITIONAL CLIENTS' OBLIGATIONS WHEN 4BUSINESS PROVIDES 4BUSINESS OFFICERS
6.1 When 4BUSINESS provides 4BUSINESS Officers, the Clients must, at all times, keep the Entity in funds sufficient to discharge its liabilities as and when they become due and at the request of 4BUSINESS or the 4BUSINESS Officers pay to the Entity or 4BUSINESS on its behalf, such sums as may be required to enable the Entity to discharge, in full, any liabilities (including 4BUSINESS's fees).
6.2 When 4BUSINESS provides 4BUSINESS Officers, the Clients shall and shall procure that the Clients' Appointees shall:
6.2.1 immediately inform 4BUSINESS of any matters that might affect the Entity or any matter which is material to the management, business or affairs of the Entity.
6.2.2 at the written request of 4BUSINESS, immediately provide information to enable 4BUSINESS to prepare annual or other statutory returns, financial or other statements in relation to the Entity.
6.2.3 immediately provide 4BUSINESS without delay all contractual, financial or other information concerning any asset, transaction, trading activity or business of the Entity.
6.2.4 not without 4BUSINESS's prior written consent seek to alienate, assign, sell, pledge or otherwise dispose of, charge or encumber any asset of the Entity, including any shares issued by the Entity. 4BUSINESS reserves the right to request further information concerning such proposals and to decline to accept such applications.
6.2.5 immediately advise 4BUSINESS in writing, of all legal proceedings, claims, demands made or threatened against the Entity or the 4BUSINESS Officers.
6.2.6 where the Clients or the Clients' Appointees are grantees of a power of attorney issued by the Entity they must:
126.96.36.199 with the utmost good faith to the Entity, 4BUSINESS and the 4BUSINESS Officers.
188.8.131.52 keep and maintain and on demand deliver to 4BUSINESS accurate financial and business records.
184.108.40.206 immediately disclose to 4BUSINESS, in writing, information relating to the operation of the business of the Entity which might create a conflict of interest between them and the Entity and / or with 4BUSINESS or the 4BUSINESS Officers.
220.127.116.11 immediately inform 4BUSINESS, in writing, each time a power of attorney is exercised and provide written details of any acts undertaken.
6.3 When 4BUSINESS provides 4BUSINESS Officers, 4BUSINESS shall be entitled to take any steps which it may in its absolute discretion think fit to protect the interests and / or assets of the Entity and at the cost of the Clients or the Entity including the obtaining of professional advice as 4BUSINESS may consider necessary.
7. REQUESTS AND INSTRUCTIONS
7.1 The Clients on behalf of themselves and the Clients' Appointees and the Entity agree to provide all requests or instructions to 4BUSINESS in writing by letter or facsimile and 4BUSINESS shall only consider such requests or instructions when signed by all the Clients or the Managing Agent or, with the prior written consent of 4BUSINESS, when they are made by encrypted email sent by the Managing Agent.
7.2 The Clients acknowledge that 4BUSINESS is bound by regulatory and other obligations under laws and regulations of the jurisdiction in which the Services are provided, the jurisdiction of incorporation or establishment of the Entity and / or the jurisdictions where the Entity undertakes business and agree that any action undertaken by 4BUSINESS or the 4BUSINESS Officers in order to comply with those laws or regulations shall not constitute a breach by 4BUSINESS or the 4BUSINESS Officer's of their obligations hereunder.
7.3 4BUSINESS shall not be required to take any action which it considers to be unlawful or improper or which it believes may be detrimental to it, the 4BUSINESS Officers, or the Entity.
7.4 Where permitted under these Terms of Business or if instructions are requested by 4BUSINESS from the Clients or the Clients' Appointees and no instructions have been received by 4BUSINESS within 30 days of such a request being made, or where the urgency of the matter requires action within a shorter period, 4BUSINESS may immediately and with no liability to the Clients, the Clients' Appointees or the Entity take no further action in relation to a particular matter or take such other action as they shall in their absolute discretion consider appropriate or as they may be advised.
The Clients irrevocably agree that, if the Entity is a limited liability company and the 4BUSINESS Officers are members or officers of that company, or the Entity is a Partnership and the 4BUSINESS Officers are members of that partnership, 4BUSINESS may, without being obliged to give notice to the Clients or the Clients' Appointees, take such steps as they shall in their absolute discretion consider appropriate which shall without prejudice to the generality of the foregoing include having the Entity struck off, dissolved or liquidated; or resigning all or any of the 4BUSINESS Officers; or transferring all or any of the shares, capital or assets or liabilities of the Entity into the name of the Clients; or appointing the Clients as a director, officer or manager of the Entity; or take such other action as they shall in their absolute discretion consider appropriate or as it may be advised.
8. PAYMENT OF FEES
8.1 When the Entity is not a trust or a foundation, the legal ownership of the Entity shall not pass to the Clients until payment in full of all fees, including government duties and taxes, has been received by 4BUSINESS. No refunds are given after an order has been processed and no refunds will be made where 4BUSINESS ceases to provide the Services.
8.2 4BUSINESS will not provide Services until 4BUSINESS has received, in full, all fees and disbursements payable in relation to the Entity or the provision of the Services.
8.3 The Clients hereby irrevocably authorises 4BUSINESS to withdraw from any sums held on any account managed by 4BUSINESS or otherwise held by 4BUSINESS, on behalf of the Clients and / or the Entity any monies required to discharge any fees or expenses, including any government fees, duties, taxes or penalties, payable to or by 4BUSINESS or the Entity.
8.4 Fees are stated in 4BUSINESS's Fee Schedule, published from time to time, or as may be notified to or agreed with Clients.
8.5 Where any fees for Services remain unpaid for more than 90 days, 4BUSINESS may at its discretion immediately terminate the Services, and / or obtain payment from any assets of the Entity and / or the Clients. In such circumstances, 4BUSINESS reserves the right to treat these Terms of Business as terminated without further obligation, save as to any continuing covenant, obligation or undertaking given by the Clients or the Clients' Appointees to 4BUSINESS , and to act pursuant to the provision of Paragraph 8.4 of these Terms of Business.
8.6 Unless otherwise agreed in writing with the Clients, 4BUSINESS will not pay any interest on any monies held by 4BUSINESS on behalf of the Entity and / or the Clients and / or the Clients' Appointees.
8.7 4BUSINESS and its associated companies, their officers, agents and employees shall be entitled to retain any third-party commission or fee which is paid or may become payable to it notwithstanding that such commission or fee is payable as a direct or indirect result of 4BUSINESS providing the Services or otherwise in relation to the Entity.
8.8 Should 4BUSINESS cease to provide Services or should the Clients advise 4BUSINESS that they no longer require the Entity, the Clients must pay to 4BUSINESS any fees or costs which may be incurred by 4BUSINESS in relation to the striking off, dissolution, liquidation or transfer of the Entity (including 4BUSINESS's minimum transfer or termination fee).
8.9 In the event that the Clients shall request 4BUSINESS to transfer the management or administration of the Entity or should 4BUSINESS request the Clients to transfer the management or administration of the Entity to another agent or Corporate Service Provider, 4BUSINESS shall not be obliged to transfer the Entity until all outstanding fees (including government fees, duties, taxes and other third party disbursements together with 4BUSINESS's transfer or termination fees) have been paid in full.
8.10 Where the Clients make part payment to 4BUSINESS of any fee note or invoice rendered by 4BUSINESS, 4BUSINESS reserves the right to apply any monies received in firstly discharging its professional fees and only thereafter in payment of any government fees, duties charges or taxes or other payments to third parties.
9. CONFIDENTIALITY AND DATA PROTECTION
9.1 4BUSINESS undertakes to the Clients that where the Clients, the Clients' Appointees or the Entity deliver to 4BUSINESS confidential information it will use all reasonable endeavours to keep it confidential. 4BUSINESS in accordance with its statutory obligations protects personal information and personal data from unauthorised access, use or disclosure.
9.2 In the course of providing the Services, 4BUSINESS collects personal information and personal data concerning the Clients, the Clients' Appointees and the Entity and uses this personal data and information to facilitate the provision of the Services and, may from time to time, use such data and information to provide information, reference notes, guidelines, advice or for marketing information concerning the Services and for providing such other information as 4BUSINESS may from time to time make available.
9.3 4BUSINESS reserves the right to treat the obligations of confidentiality and privacy in Paragraphs 10.1 and 10.2 as not applicable and may disclose to third parties confidential or personal information and data when they are obliged so to do by law, or when required by third parties in order for 4BUSINESS to provide the Services or when 4BUSINESS has been unable to obtain the Clients or Managing Agents instructions and it appears to 4BUSINESS to be in the best interests of the Clients and / or the Clients' Appointees and / or the Entity to provide such confidential or personal data to third parties.
9.4 Except otherwise where permitted by these Terms of Business any personal information and data collected is used only for these purposes and is never sold, lent, leased or otherwise distributed outside 4Business. The Clients and the Clients' Appointees accept that this may mean that personal information may be transferred to countries that do not provide adequate protection of data in accordance with Article 26 (1) of the EU Directive 95 / 46 / EC on the protection of individuals with regard to the processing of personal data and on the free movement of such data.
9.5 Without prejudice to the duty of confidentiality, 4BUSINESS reserves the right to act for other clients (including competitors of the Entity, the Clients or the Clients' Appointees).
9.6 Any report, letter, information or advice 4BUSINESS gives to the Clients, the Clients' Appointees or the Entity is given in confidence solely for the purposes of providing the Services and is provided on condition that the Clients and the Clients' Appointees will not without 4BUSINESS's prior written permission disclose to any third-party, other than to their lawyers or accountants or other professional advisers, any confidential or other information made available by 4BUSINESS.
9.7 Notwithstanding any provision hereof, 4BUSINESS shall be entitled and is hereby irrevocably authorised to open, read and copy all correspondence, letter, facsimile, email or other communication received by it in relation to the provision of the Services or the Entity, the Clients or the Clients' Appointees.
10. CESSATION OF SERVICES
10.1 4BUSINESS shall be entitled by written notice to cease to provide the Services, if:
10.1.1 The Clients or the Clients' Appointees in the reasonable opinion of 4BUSINESS fail to observe to the fullest extent these Terms of Business;
10.1.2 It comes to the attention of 4BUSINESS that the Entity is being used for activities which were not referred to in the application delivered by the Clients to 4BUSINESS or as subsequently advised and accepted in writing by 4BUSINESS;
10.1.3 In the event of the death of Clients, including in the case of joint persons, the death of any one person, and the Clients fail or have failed to make adequate provision for the disposition of the affairs and the ownership of the Entity;
10.1.4 In the event that any legal proceedings are commenced against the Entity, the Clients or the Clients' Appointees (including any injunction or investigative proceedings).
10.2 In any of the circumstances described in Paragraph 11.1 above, 4BUSINESS reserves the right to take action pursuant to Paragraph 8 and to treat these Terms of Business as terminated without further liability on the part of 4BUSINESS.
10.3 4BUSINESS may at its discretion cease to provide the Services upon giving to the Clients or the Managing Agent 45 days written notice of its intention so to do.
10.4 4BUSINESS may by written notice to the Clients, the Clients' Appointees or the Managing Agent immediately cease to provide the Services where the Clients or the Clients Appointees shall breach the provisions of Paragraphs 2 or 3 of these Terms of Business.
10.5 The Clients and the Clients' Appointees for themselves as agent for and on behalf of the Entity acknowledge, following the cessation of Services, that 4BUSINESS may have continuing regulatory / fiduciary duties under any applicable law. Accordingly, without prejudice to 4BUSINESS's rights, 4BUSINESS may (but is not obliged to) continue to provide Services in order to discharge such duties and 4BUSINESS shall be entitled to charge fees at its applicable rate for the provision thereof.
In providing the Entity and / or the Services, 4BUSINESS does not, nor is it to be interpreted as though it does in any manner sanction, advocate or approve, directly or indirectly, the commission of any act or any omission by the Clients, or the Clients' Appointees or the Entity, or any person, firm or corporation in any jurisdiction or the use of the Entity or the Services for any purpose.
Any notice given pursuant to these Terms of Business shall be in writing and shall be sufficiently given to any party if sent in a letter by courier to the address last notified by the address, by facsimile transmission or by electronic mail to the address of such party last notified in writing to the other or to the correct facsimile number or electronic mail address of the addresses and shall be deemed duly served, in the case of a notice delivered by courier, at the time of first attempted delivery and in the case of a facsimile transmission or electronic mail, if sent during normal business hours, in the country of the addresses then at the time of transmission and otherwise then on the next business day.
13.1 These Terms of Business supersede all prior Terms of Business and agreements whether oral or written.
13.2 No exercise or failure to exercise or delay in exercising any right or remedy by 4BUSINESS pursuant to these Terms of Business shall constitute a waiver by 4BUSINESS of that or any other right or remedy.
13.3 Nothing in these Terms of Business shall create or be deemed to create the following relationships between 4BUSINESS and the Clients or the Clients' Appointees or the Managing Agent:
13.3.1 partnership, or
13.3.2 employment, or
13.3.3 joint venture.
13.4 Words imputing the masculine gender shall include the feminine and words imputing the singular shall include the plural and vice versa.
14. CLIENT DUE DILIGENCE
As and when requested Clients shall provide 4BUSINESS the proofs of identity and sufficient identifying documentation for all individuals and entities directly involved in the Company as shareholders, directors, secretaries or in any other similar capacity. Such due diligence documents may include a certified copy of passport, a recent original utility bill or other proof of address, a bank reference and/or other documents, as the case may be. The exact scope and form of such documents shall be determined by 4BUSINESS; following the Anti Money Laundering regulations in force in the United Kingdom. The Clients domiciled in the United Kingdom hereby grant consent to undertake online experian searches on all relevant individuals directly involved with the company as shareholders, directors, secretaries or in any other similar capacity. 4BUSINESS may refuse to provide any or all of the Services before the Due Diligence documents and information, as described in this article, are furnished by the Client.
15. FAST TRACK BUSINESS BANK ACCOUNT APPLICATION
The Business Bank Account service is provided by Barclays Bank Plc, and subject to their terms and conditions.
15.1 Where you request a bank account through The Business Bank Account service you confirm that you agree to be contacted directly by Barclays Bank Plc, for the purposes of fulfilling the bank account request.
15.2 Where you request a bank account through The Business Bank Account service on behalf of a third party for whom you are making a company formation application, you confirm that the third party, the primary contact listed on the company formation application, has agreed to be contacted directly by Barclays Bank Plc, for the purposes of fulfilling the bank account request.
15.3 More information on the Business Bank Account service and terms and conditions related to claiming any associated cash back can be found at https://www.incorporateonline.co.uk/incorporate/barclaysbank.cfm
15.4 Once you have completed your incorporation, 4business will automatically forward your contact details to Barclays Bank Plc.
15.5 Within 48 hours of receiving your details, your own dedicated Barclays Business Manager will call you to arrange a suitable time to meet up and open your account. Your Business Manager will be located at a branch that’s convenient to your business correspondence address.
15.6 4business and Barclays Bank Plc, work very closely to make this process as fast and integrated as possible, in order to ensure you receive a first class service.
16. PROMOTIONAL OFFERS
16.1 The Promo Pack is only available if you undertake to open a Business Bank account with Barclays. You also undertake to allow us to make the fast track application on your behalf. We pay the Companies House formation charge of £13 for purchasers of our Promo pack. By purchasing our Promo Pack you agree to open a Barclays Bank Business Account for your newly formed company within 35 days of formation and as a result of our introduction to Barclays Bank. We receive a commission from Barclays Bank if your application is successful. If, for any reason, you are not successful in opening a Barclays Bank, business bank account within 35 days of the date of incorporation of your company, we reserve the right to charge your payment card an additional £13.00 to cover the additional cost of administration and the Companies House formation charge. By continuing with the purchase of our formation Packs you are consenting to the setting up of this second pre-authorised card transaction.
16.2 Charges referred to in sections 16.1 above will be reimbursed to you in the event that you open a Barclays Bank Business Account within 90 days of the formation of your company and we receive our normal commission from Barclays Bank
17. REFUND POLICY
17.1 Should you place an order for the purchase of your company and change your mind before submission to Companies House we will refund all monies paid to us except for an administration charge of £15.00+Vat. No refunds are available for PROMO package purchases. The charge covers, administration time incidental expenses and our merchant charges Refunds cannot be given once the application has been submitted to companies House. Other products and service packages will be refunded (subject to the £15.00+Vat administration charge) provided we are notified within two weeks of the purchase taking place.
17.2 No refunds are available in respect of parts of a service package.
Unless otherwise agreed in writing between the Clients and 4BUSINESS, these Terms of Business shall be governed by and construed in accordance with the laws of England & Wales and the Clients, the Clients' Appointees and the Managing Agent hereby submit to the exclusive jurisdiction of the Courts in England & Wales.