Millions of Couples are Missing out on the Marriage Tax Allowance!

Terms and Conditions

These terms and conditions (“Terms”) apply to all services provided by Carwood Accountancy Limited (trading as “Tax Allowance Awareness”) a limited company registered in England and Wales under company number 10782318 at Express Networks 3, 6 Oldham Road, Manchester, M4 5DB (also refereed to in these terms as “Carwood Accountancy”, “we”, “us” or “our”).

Services

We will prepare the documentation needed in order to apply for the transfer of the Marriage Allowance from one person to another, and endeavour to create a tax rebate on your behalf. In addition, we will make a general claim to obtain a tax rebate for any overpaid tax, regardless of how it has arisen.

We will apply for a tax rebate for all eligible tax years that have passed. For future tax years we will automatically apply each year for the Marriage Allowance to be transferred (and for a general tax rebate) until you advise us that you no longer wish us to act on your behalf.

You are aware that you can submit a claim directly to HMRC yourself. By using our services you are agreeing for us to act on your behalf and recover any overpaid tax.

Obligations of Carwood Accountancy

We will undertake to process all information provided and verified by you, your spouse or civil partner.

We will not undertake an audit or obtain third party verification of any information provided to us. It is your responsibility and that of your spouse or civil partner to ensure that all information and declarations provided to Carwood Accountancy are true, accurate and correct. You must remember that HMRC will hold you wholly responsible and liable for any incorrect information provided.

At Carwood Accountancy we are proud of our reputation with HMRC and other parties. In order to maintain our reputation we reserve the right to stop acting for you at anytime if, in our opinion, continuing to act for you may jeopardise this reputation. If we decided to cease acting we will not charge a fee for any services undertaken.

Obligations of you

It is your obligation and that of your spouse or civil partner to disclose to Carwood Accountancy all of your earnings, income or gains for each of the tax years that a tax rebate is being applied for together with any debts owing to HMRC. Carwood Accountancy cannot know what any earnings, income or gains have been and will not be held liable for any incorrect information provided.

You, your spouse or civil partner agree to co-operate fully with Carwood Accountancy at all times and provide any and all information that we reasonably require.

You, your spouse or civil partner will be responsible for the repayment of any tax refund received from HMRC where it is found that the information provided in order to secure a repayment is found by HMRC to be incorrect. In this case, Carwood Accountancy will still be entitled to a fee for the services that it has provided.

Tax Rebate and Fees

By signing the Declaration to Act and our Letter of Assignment, in favour of Carwood Accountancy, you unconditionally and irrevocably instruct HMRC to release, assign and repay to Carwood Accountancy any tax rebate arising.

Where any tax rebate is sent directly to you by HMRC without the explicit approval or authority of Carwood Accountancy, or your tax code is changed by HMRC in place of issuing the rebate, you agree to pay to us our agreed fee within 7 days. We reserve the right to undertake all legal means for recovery of our fee where you fail to make payment to us within 7 days of receipt of the rebate or the change to your tax code.

Our fee will be 35 percent of any tax rebate obtained from HMRC, regardless of what it relates to, plus VAT. VAT will be applied to our fee at the prevailing rate.

You agree and acknowledge that our fee, including VAT, will be retained from the rebate that we receive from HMRC and the difference will be repaid to you. The repayment will be made to the person who has generated the rebate and, if paid via cheque, posted to the address entered when completing the application process.

If after 6 months the cheque remains uncashed, we will cancel the cheque and be entitled to retain all of the monies received from HMRC.

Should you require a further cheque to be issued we will be entitled to charge a fee of £15 plus VAT.

If any of the tax rebate obtained is used by HMRC to meet any other tax liability that you may have, our fee will be based on the amount of the tax rebate generated not the amount actually repaid and received by us.

If you have applied for a tax rebate (either directly or via another business) and HMRC issue a rebate to us as a result of the claim we have made on your behalf, we will still be entitled to charge a fee for the work that we have undertaken. The fee will be 35 percent of any rebate obtained plus VAT at the prevailing rate.

Cancellation

We will usually submit your claim to HMRC within 24 hours of receiving a completed and signed online application.

You may request that you application is cancelled prior to submission to HMRC. Your claim can not be cancelled once it has been submitted to HMRC.

Limitation of Liability

The services that we undertake for you, your spouse or civil partner are limited to obtaining a tax rebate from HMRC.

We shall not be liable to you, your spouse or civil partner whether in contract, tort, breach of statutory duties, misrepresentation or otherwise for any loss or damages which maybe suffered or incurred.

Our total liability to you, your spouse or civil partner shall be limited to five times the fee payable for the services that we have agreed to undertake. By agreeing to us acting on your behalf, you, your spouse or civil partner agree to this limitation and you should consider the fairness of this limit before entering into this agreement.

Complaints

We will always aim to provide an exceptional service. However, if at any time you become unhappy with the service we are committed to resolving your complaint as quickly as possible. In the event that you wish to make a complaint please contact us by emailing info@carwoodaccountancy.co.uk.

Governing Laws

These terms shall be governed by the courts and laws of England and Wales and all parties consent to the exclusive jurisdiction of the English courts to settle any dispute or claim arising.

Data Protection

We take your rights to privacy very seriously. All personal information that we may collect and hold will be collected, used and held in accordance with the provisions of the Data Protection act 1998. For your part, you your spouse or civil partner agree to the storing of this data for the provision of the services that we have agreed to undertake.

Other

We reserve the right to assign our rights and responsibilities under this contract to a third party for example, if we sell our business. In this event you will be informed by us in writing.

Carwood Accountancy Limited - PRIVACY POLICY

By ‘We’ or ‘Us’, We mean Carwood Accountancy Limited (“Carwood Accountancy”). By “You” We mean the client who has accessed our service. We are Registered in England and Wales. Registered Address: Carwood Accountancy Limited, Express Networks 3, 6 Oldham Road, Manchester, M4 5DB Company Number: 10782318. "Tax Allowance Awareness" is the trading names or styles of Carwood Accountancy Limited.

• WHAT IS THE PURPOSE OF THIS PRIVACY NOTICE?

This Privacy Policy sets out how We use and protect any information that the You, the user, provides to Us via this Website and as part of the service that We provide to You. Where We ask you to provide certain information by which You can be identified (i.e. Personal Data) after providing this information, then this information shall only be used in accordance with this Privacy Policy. This Website has not been designed for use by children. We do not knowingly collect data relating to children. It is important that you read this Privacy Policy together with any Privacy Notice or Fair Processing Notice We may provide on specific occasions when We are collecting or processing personal data about You, as to ensure You are fully aware of how and why We are using your data.

• WHO IS THE DATA CONTROLLER?

We are the controller and We are responsible for your personal information. We are not required to appoint a Data Protection Officer (DPO). If you have any questions relating to this Privacy Policy or Notice, including any requests to exercise your legal rights (as explained in section 13), please use the contact information below

• HOW CAN YOU CONTACT US?

Full name of Legal Entity: Carwood Accountancy Limited
Postal Address: Carwood Accountancy Limited, Express Networks 3, 6 Oldham Road, Manchester, M4 5DB
Telephone Number: 0333 241 2930
Email: info@carwoodaccountancy.co.uk

• YOUR RIGHT TO COMPLAIN TO THE SUPERVISORY AUTHORITY

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

• CHANGES TO THIS PRIVACY POLICY

This Privacy Policy was last updated on 01 April 2020. Historic versions of this Privacy Policy may be accessed upon request using the above contact information. Any changes to this Privacy Policy will be made here and updated accordingly.

• WHAT INFORMATION DO WE COLLECT FROM YOU?

How is Personal Data/Information defined?
Personal Data or Personal Information can be defined as “Any information about an individual from which that person can be identified” This does not include data where the identity has been anonymised.
Under GDPR We will only collect information that is specified, explicit and legitimate for the purposes required. This means the data We collect must be adequate, relevant and limited to the requirements of the service.
We may collect, use, store and transfer different kinds of personal information about You. These are detailed as possible:

• Identity Data: First name, last name, maiden name, marital status, date of birth and gender, National Insurance Number;
• Contact Data: Current address, previous addresses and post codes, email address and telephone number;
• Transaction Data: Includes, payments made through our Website, details of products and services you have engaged us for;
• Technical Data: Internet Protocol (IP) address, browser type and version, timer zone setting and location, browser plug-in types and versions, operating systems and platform and other technology on devices you use to access the Website;
• Profile Data: Includes, your username and password, understanding the services You have engaged, your interests, preferences, feedback and analysing the data you have provided as part of the service to improve our services, marketing, client relationships and experiences;
• Usage Data: Information about how you use our Website, products and services;
• Marketing and Communications Data: This includes your preferences in receiving marketing from us and any third parties, as Well as your communication preferences.

Aggregated Data
We collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. For example, We may aggregate your Usage Data to calculate the percentage of users accessing a specific Website feature. However, if We combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify You, We treat the combined data as personal data which will be used in accordance with this privacy notice.

Special Categories of Personal Data

If We identify that You are a vulnerable client, We may collect data relating to your health to ensure We can tailor and adjust our service to your needs and circumstances. We will obtain your consent to obtain and store this data for the sole purpose of delivering our service. We do not collect any other Special Categories of Personal Data about You (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your genetic and biometric data), nor do We collect any information about criminal convictions and offences.

If You do not provide Personal Data?

Where We need to collect personal data by law, or under the terms of a contract We have entered with You and You fail to provide the data when requested, We may not be able to perform the contract as the service expects (for example, to provide You with services). In this case, We may have to cancel the service You have entered into with Us. We will notify you of any change or cancellation deemed necessary in accordance with your right to be informed.

• HOW IS YOUR PERSONAL INFORMATION COLLECTED?

We have different methods of collecting data from and about you, including via:

• Direct Interactions:

You may provide us with your Identity, contact and financial data by completing online forms or by corresponding directly with us via post, phone, email or otherwise. This includes personal data you provide when you:

• Engage our products and services;
• Provide us with feedback; or
• Request marketing to be sent to you •

• Automated Technologies or interactions

As you interact with our Website, We may automatically collect Technical Data about your equipment, browsing patterns and actions. This will be collated after acceptance of ‘cookie’ and other similar technologies. Please refer to our Cookies Policy for further information.

• Third Parties or publicly available sources

We may receive personal data about you from various third parties as set out below:

• Technical Data from analytics providers such as Google based outside the EU;
• Identity and Contact Data from lead operators working on our behalf based inside the EU. These complete native marketing which directs consumers to our Website.
• Identity and Contact Data from publicly availably sources such as Companies House, Electoral Register and Credit Checks based inside the EU.

• HOW DO WE USE YOUR PERSONAL INFORMATION?

We will only use your personal information/data should the law allow it. Most commonly, We will use your personal data under the following circumstances. These are also known as the ‘Legal Basis for Processing’, they are as follows:

• Where We need to perform a contract, We are about to enter into or have entered into;
• Where it is necessary for legitimate interests, taking into consideration your interests and fundamental rights, as to ensure We do not override such interests;
• Where We need to comply with legal or regulatory obligations.

Ordinarily, We do not rely on pure consent as a legal basis for processing data other than in relation to sending marketing communications to you via email or text message. You have the right to withdraw consent at any time by contacting us using the above contact information in Section 3 of this Privacy Policy.

• PURPOSES FOR WHICH WE WILL USE YOUR PERSONAL DATA

We have set out below, a description of all the ways We plan to use your personal data, and which of the legal bases We rely on to do so.

Note that We may process your personal data for more than one lawful ground depending on the specific purpose for which We are using your data. Please Contact us if you need details about the specific legal ground, We are relying on to process your personal data where more than one ground has been set out in the table below.

Purpose/Activity	Type of data	Lawful basis for processing including basis of legitimate interest
To register You as a new client	(a) Identity (b) Contact	Performance of a contract with You
To process and deliver your service to You including:	(a) Identity (b) Contact (c) Financial	Consent Performance of a contract with You
To administer and protect our business and this Website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)	(a) Identity (b) Contact (c) Technical	(a) Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise) (b) Necessary to comply with a legal obligation
To deliver relevant Website content and advertisements to you and measure or understand the effectiveness of the advertising We serve to You	(a) Identity (b) Contact (c) Profile (d) Usage (e) Marketing and Communications (f) Technical	Consent
To use data analytics to improve our Website, products/services, marketing, client relationships and experiences	(a) Technical (b) Usage	Necessary for our legitimate interests (to define types of clients for our products and services, to keep our Website updated and relevant, to develop our business and to inform our marketing strategy)
To make suggestions and recommendations to You about goods or services that may be of interest to You	(a) Identity (b) Contact (c) Technical (d) Usage (e) Profile	Consent

Marketing

We strive to provide You with choices regarding certain personal data uses, particularly around marketing and advertising. You can ask us to stop sending You marketing messages at any time by Contacting us at any time to amend your preferences, methods of contact and products/services You wish to hear about.

Promotional Offers

We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what We think You may want or need, or what may be of interest to You. This is how We decide which products, services and offers may be relevant for You (We call this marketing). You will receive marketing communications from Us if You have requested information from Us or purchased goods or services from Us and, in each case, You have not opted out of receiving that marketing.

Third-Party Marketing

We will get your express opt-in consent before We share your personal data with any company for marketing purposes.

Opting Out

You can opt-out of third-party marketing at any point. Please contact Us via the information contained within Section 3.

Cookies

A cookie is a small file of letters and numbers that is downloaded on to your computer when You visit a Website. Cookies are used by many Websites and can do a number of things such as remembering your preferences, recording what You have put in your shopping basket, and counting the volume of people accessing the Website.

Upon entering our Website, We will request you either accept or reject the use of cookies. Cookies assist Us in providing a better service and Website. The use of cookies allows the Website to recognise your device and store information concerning your preferences or past actions.

You may create custom alerts when Websites use or store cookies on your browser. If You wish to refuse cookies altogether, this can be done within your browser settings. For more information on browser controls please refer to our Cookies Policy.

• DISCLOSURE OF YOUR PERSONAL DATA

We may have to share your personal data with the parties set out below for the purposes set out in the table below. These companies will not use your information to contact you. Selected third parties will be subject to obligations to process your personal information in compliance with the same safeguards that We deploy.

We may need to disclose your information to any one of the following:

• HM Revenue & Customs, Regulators (Information Commissioner’s Office), and other authorities acting as processors based in the United Kingdom who require reporting of processing activities in certain circumstances.

Please note We will never knowingly allow third-party service providers to use your personal data for their own purposes and only permit them to process your data for specified purposes and in accordance with our strict instructions.

We will not sell, distribute or lease your information to third parties unless We have the appropriate permission to do, or are required by law. We will gather specific consent from the You before sending any form of direct marketing.

• DATA SECURITY

We are committed to ensuring your information is safe and secure. In order to prevent unauthorised access or disclosure, We have developed, implemented and maintained suitable physical, electronic and managerial procedures to safeguard and secure the information collected online. We wish for our clients to be completely confident in using our services, therefore We regularly review our processes and procedures to protect your personal information from unauthorised access, use, accidental loss, destruction or disclosure.

• DATA RETENTION

How long will We hold your personal data?

We will only retain your personal data for as long as is necessary to fulfil our obligations under the provision of our service as well as any purposes necessary to satisfy any legal, accounting or reporting requirements.

To determine the appropriate retention period for personal data, We consider the amount, nature and sensitivity of the personal data, the potential risk, of harm of unauthorised use or disclosure of your personal data, the purposes for which We process your personal data and whether We can achieve those purposes through other means, including applicable legal requirements.

Details of retention periods for different aspects of your personal data are available upon request. Please see Section 3. By law We have to keep certain information about our clients and this data will be held solely and securely for those legal purposes.

In some circumstances You can ask us to delete your data under the ‘Right to Request Erasure’ (please see Section 13 for further information. However, an erasure request may be partially declined. In the event a complaint has been made, coupled with an erasure request, We will maintain records relating to the complaint, including basic information such as name, and telephone name. In the event that You do not wish to be contacted by Us, We are required to maintain a log of this request, withholding applicable data to ensure We no longer contact You further.

In some circumstances We may anonymise your personal data (so that it can no longer be associated with You) for research or statistical purposes in which case We may use this information indefinitely without further notice to You.

• YOUR LEGAL RIGHTS

In accordance with GDPR, You, in your capacity as a consumer and citizen You are entitled to a range of specific DATA SUBJECT RIGHTS that you may exercise under particular conditions, with a few exceptions.

Your Right to ACCESS	The right of access, commonly referred to as subject access, gives individuals the right to obtain a copy of their personal data as well as other supplementary information. It helps you to understand how and why We are using your data, and to check We are using it lawfully.
Your right to RECTIFICATION	You have the right to have inaccurate personal data rectified. You may also be able to have incomplete personal data completed – although this will depend on the purposes for the processing. This may involve providing a supplementary statement to the incomplete data.
Your right to ERASURE	Under certain circumstances you have the have the right to have personal data erased. Also known as ‘The right to be forgotten’. The right is not absolute.
Your right to RESTRICT PROCESSING	Under certain circumstances you have the right to request the restriction or suppression of your personal data, and as like the right to erasure, it is not absolute. Restriction of processing means We are permitted to store your personal data, We are unable to use it.
Your right to DATA PORTABILITY	You have the right to obtain and reuse your personal data for your own purposes across different services. This eases the copying or transferring of personal data easily from one IT environment to another, safely and security, without affecting the usability of the data.
Your right to OBJECT	Under certain circumstances you have the right to object to the processing of your personal data, however you do have the absolute right to object to direct marketing.
Your right to be INFORMED	You have the right to be informed about the collection and use of your personal data. Your right to be informed forms part of this policy, and provides the purposes for processing your data, our retention periods and who it will be shared with.