Website Terms and Conditions

Last Updated: 15 March 2026

These Terms and Conditions (“Terms”) govern your use of the website located at www.sbsessex.co.uk (the “Website”), owned and operated by SBS Essex Ltd (“the Company,” “we,” “us,” or “our”).

By accessing or using this Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our Website.

1. Information About Us

SBS Essex Ltd is a provider of Bookkeeping and Financial Support Services. We are a registered company in England and Wales. We are fully insured with Professional Indemnity and Public Liability insurance and are compliant with the Information Commissioner’s Office (ICO) and General Data Protection Regulation (GDPR) standards.

2. Services and Website Content

The Website provides information regarding our professional services, which include:

• Bookkeeping: Financial record management, reconciliations, and tailored reporting.
• Expert Payroll Management: Calculations, tax filings, and pension submissions.
• CIS Support: Verification and deduction services for contractors and subcontractors in the construction sector.
• Virtual Assistant Support: Administrative and HR assistance.

The content on this Website is for general information purposes only and does not constitute professional financial, legal, or tax advice. A formal professional-client relationship is only established once a separate Letter of Engagement has been signed by both parties.

3. Use of the Website

You agree to use the Website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else’s use and enjoyment of the Website. Prohibited behaviour includes harassing or causing distress to any person, transmitting obscene or offensive content, or disrupting the normal flow of dialogue within our Website.

4. Intellectual Property Rights

Unless otherwise stated, SBS Essex Ltd owns the intellectual property rights for all material on the Website. All intellectual property rights are reserved. You may view and/or print pages from the Website for your own personal use subject to restrictions set in these Terms.

You must not:

• Republish material from our Website.
• Sell, rent, or sub-license material from the Website.
• Reproduce, duplicate, or copy material from the Website for commercial purposes.

5. Professional Disclaimers and Software

We utilise industry-standard software including Xero, QuickBooks, and Sage. While we strive for 100% accuracy and reliability based on our 20 years of experience, we do not warrant that the Website will be error-free or that the server making it available is free of viruses. Your use of any third-party software links provided on our site is at your own risk and subject to those providers’ respective terms.

6. Consultations

We offer free initial consultations to small and medium-sized businesses (SMBs). We reserve the right to refuse a consultation request at our absolute discretion.

7. Limitation of Liability

To the maximum extent permitted by law, SBS Essex Ltd shall not be liable for any direct, indirect, or consequential loss or damage arising under these Terms or in connection with our Website, whether arising in tort, contract, or otherwise. This includes, without limitation, any loss of profit, business, contracts, or anticipated savings.

Nothing in these Terms shall exclude or limit our liability for fraud, for death or personal injury caused by our negligence, or for any other liability which cannot be excluded or limited under applicable law.

8. Privacy and Data Protection

Your privacy is important to us. Any personal information sent to us via the Website is governed by our Privacy Policy, which is compliant with the UK GDPR and ICO regulations. By using our Website, you consent to the processing of your data as described in our Privacy Policy.

9. Third-Party Links

Our Website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the contents of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

10. Variation

SBS Essex Ltd reserves the right to revise these Terms at any time. Amended Terms will apply to the use of our Website from the date of publication. Please check this page regularly to ensure you are familiar with the current version.

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes relating to these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Contact Information

If you have any questions about these Terms, please contact us via the details provided on our Website: www.sbsessex.co.uk.

Privacy Policy

Last Updated: 15 March 2026

SBS Essex Ltd (“we,” “us,” or “our”) is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.sbsessex.co.uk or engage our bookkeeping and financial support services.

As a provider of financial services, including payroll and CIS support, we process sensitive personal and financial data. We act as a Data Controller regarding the personal data of our direct clients and as a Data Processor when handling payroll or financial data on behalf of our clients’ employees or subcontractors. We are registered with the Information Commissioner’s Office (ICO) and adhere strictly to the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

1. Information We Collect

We may collect and process the following types of information:

• Identity Data: Names, titles, dates of birth, and National Insurance numbers.
• Contact Data: Billing addresses, business addresses, email addresses, and telephone numbers.
• Financial Data: Bank account details, payment card details, and tax references (e.g., UTR numbers).
• Transaction Data: Details about payments to and from you and other details of services you have purchased from us.
• Payroll & CIS Data: Salary information, pension contributions, student loan details, and subcontractor verification status.
• Technical Data: Internet protocol (IP) address, browser type and version, time zone setting, and location.

2. How We Collect Your Data

• Direct Interaction: You may give us your Identity, Contact, and Financial Data by filling in forms or by corresponding with us by post, phone, email, or otherwise.
• Third Parties: We may receive data from third-party software providers (e.g., Xero, QuickBooks, Sage) or from HMRC in the course of providing our professional services.
• Automated Technologies: As you interact with our website, we may automatically collect Technical Data about your equipment and browsing patterns.

3. Legal Basis for Processing

We will only use your personal data when the law allows us to. Most commonly, we use your data in the following circumstances:

• Performance of a Contract: Where we need to perform the contract we are about to enter into or have entered into with you (e.g., providing bookkeeping or payroll services).
• Legal Obligation: Where we need to comply with a legal or regulatory obligation (e.g., Anti-Money Laundering regulations or HMRC reporting).
• Legitimate Interests: Where it is necessary for our legitimate interests in managing our business and providing efficient services, provided your interests and fundamental rights do not override those interests.

4. Purposes for Using Your Data

We use your information to:

• Register you as a new client and provide a free consultation.
• Manage financial records, reconciliations, and tailored reporting.
• Execute payroll management, tax filings, and pension submissions.
• Provide specialized CIS support, including verification and mandatory submissions.
• Communicate with HMRC and other regulatory bodies on your behalf.
• Manage our relationship with you, including notifications about changes to our terms or privacy policy.

5. Data Sharing and Disclosures

We may share your personal data with:

• HMRC: For tax, payroll, and CIS compliance.
• Pension Providers: For the administration of workplace pensions.
• Software Providers: Secure cloud-based platforms including Xero, QuickBooks, and Sage.
• Professional Advisers: Including lawyers, bankers, auditors, and insurers who provide consultancy, banking, legal, insurance, and accounting services.

We require all third parties to respect the security of your personal data and to treat it in accordance with the law.

6. Data Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used, or accessed in an unauthorised way. We limit access to your personal data to those employees, agents, and contractors who have a business need to know.

7. Data Retention

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements (typically six years following the end of the tax year to which the records relate).

8. Your Legal Rights

Under certain circumstances, you have rights under data protection laws in relation to your personal data, including the right to:

• Request access to your personal data.
• Request correction of your personal data.
• Request erasure of your personal data.
• Object to processing of your personal data.
• Request restriction of processing your personal data.
• Request the transfer of your personal data.
• Withdraw consent at any time.

If you wish to exercise any of these rights, please contact us at the details below.

9. Contact Details

If you have any questions about this Privacy Policy or our privacy practices, please contact:

SBS Essex Ltd
Email: claire@sbsessex.co.uk
Registered Office: 6 Wash Road, Hutton, Brentwood CM13 1DJ
Company Number: 16857457

You have the right to make a complaint at any time to the Information Commissioner’s Office (ICO), the UK regulator for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO.

Cookie Policy

Last Updated: 15 March 2026

This Cookie Policy explains how SBS Essex Ltd (“we”, “us”, and “our”) uses cookies and similar technologies when you visit our website at www.sbsessex.co.uk (the “Website”). It explains what these technologies are and why we use them, as well as your rights to control our use of them.

1. 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, SBS Essex 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., interactive content and analytics).

2. Why Do We Use Cookies?

Our Website uses one single tracker. This tracker is strictly necessary/functional to ensure our Website contact form functions correctly and to help protect the form from misuse (for example, spam or security threats).

3. Types of Cookies We Use

We only use one tracker on our Website:

Strictly Necessary / Functional Tracker

This tracker is essential to provide you with services available through our Website and to enable core site functionality. Because this tracker is strictly necessary to deliver the Website to you, you cannot refuse it without impacting how our Website functions.

4. Third-Party Cookies on Our Website

We do not use any third-party cookies on our Website.

5. How Can I Control Cookies?

Our Website uses one strictly necessary/functional tracker that is required for the Website to operate. You can manage or delete cookies via your web browser settings.

• Browser Controls: You can set or amend your web browser controls to accept or refuse cookies. If you choose to block this tracker, the Website may not function properly. As the means by which you can manage cookies through your web browser controls vary from browser to browser, you should visit your browser’s help menu for more information.

6. Updates to 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 re-visit this Cookie Policy regularly to stay informed about our use of cookies and related technologies.

7. Compliance and Data Protection

SBS Essex Ltd is fully compliant with the Information Commissioner’s Office (ICO) and UK GDPR requirements. For more information on how we process personal data, please refer to our Privacy Policy.

8. Contact Us

If you have any questions about our use of cookies or other technologies, please email us or contact us at: