Financial Review — full Terms and information
Keepmore Finance Ltd
Company number: 17052191
Registered office: 101 Maes Y Gog, Rhyl, Wales, LL18 4QJ
Service, cancellation and complaints: hello@keepmorefinance.co.uk
Customer Terms V1.6-L05
KEEPMORE FINANCE LTD
DRIVER FINANCIAL REVIEW & SETUP PLAN
Customer Terms — V1.6-L05
Keepmore Finance Ltd
Company number: 17052191
Registered office: 101 Maes Y Gog, Rhyl, Wales, LL18 4QJ
Service, cancellation and complaints: hello@keepmorefinance.co.uk
1. Who we are and what you are purchasing
Keepmore Finance Ltd (“Keepmore”, “we”, “us”) provides the Driver Financial Review & Setup Plan (“Review”) described below. The Review is a one-off, standalone service. Buying it does not enrol you into any monthly service, create a paid accounting-software subscription or require you to buy further work from Keepmore.
We will confirm the identity of the contracting customer and the business or activity to which the Review relates. If you purchase on behalf of a company, tell us its legal name and your authority to instruct us.
2. Price and payment
The standard Review price is £149 in total. The launch price is £99 in total for the first 10 qualifying paying Review customers only. The price payable to you is the total displayed and confirmed at checkout. An enquiry or completion of the free Business Money Check does not reserve a launch-price place.
Payment is due in advance through our designated online checkout or another payment method expressly confirmed by us. Your payment does not itself mean that we have sufficient information, completed required compliance checks, accepted a wider engagement or started the two-working-day delivery period. If we expressly authorise a complimentary Review, your confirmed total is £0 and no payment is due; all other Review requirements still apply.
The price displayed and confirmed at checkout is the total amount payable for the Review, including VAT at 20%. Keepmore Finance Ltd is VAT registered from 1 October 2026; VAT registration number 530 1967 05. VAT is included within the agreed total and is not added on top. Your VAT invoice will show the net amount, VAT and total payable.
3. What the Review includes
We assess the delivery-business facts and evidence reasonably provided for the agreed Review scope. Depending on your stage and available information, we examine representative earnings/income and deductions; business costs; tax and VAT issues requiring attention; business structure where relevant; vehicle/rental and mileage arrangements; record-keeping and financial setup; and the practical actions arising.
The Review provides personalised financial analysis and an action plan, with material assumptions, estimates and uncertainties identified. Established drivers’ findings may differ from prospective drivers’ projections. We will explain important unknowns rather than invent missing figures or guarantee a particular saving or tax outcome.
We will send your completed, human-approved Financial Review as a PDF to your verified email address. The PDF is the core product; booking or taking the consultation does not delay completion of the Review.
Your Review includes one 20-minute post-Review consultation at no extra charge, by telephone or messaging-service call. It is available to book within 30 days after report delivery and is for explaining the completed Review, clarifying recommendations and discussing reasonable next-step questions. There is no obligation to buy another Keepmore service. One rebooking is allowed after a customer no-show. Additional implementation or advisory work outside clarification of the completed Review is separately scoped and agreed.
If we receive notice that delivery to your verified email address has failed, we may ask you to confirm or correct the address and resend the same approved report.
4. What is not included
Unless separately agreed in writing, this purchase does not include ongoing bookkeeping or monitoring; keeping your tax/VAT affairs up to date after the Review; preparing or submitting tax returns or VAT returns; HMRC agent representation or registration; company formation; historic catch-up or reconstruction of missing records; implementation of bookkeeping or VAT registration; regulated financial advice; legal advice; employment-status determinations; insolvency advice; or complex/specialist tax work.
A Review recommendation may be to take no further action, do it yourself, buy a separate one-off service or consider a monthly service. We do not withhold useful conclusions in order to sell further services.
5. What we need from you
You must give us complete, accurate and timely information to the best of your knowledge, tell us when something is an estimate, and flag changes that may affect the analysis. We may request representative delivery statements, business expenses, vehicle agreements or other relevant evidence. Please use the secure upload channel we specifically provide; do not send identity or financial documents through a public website form.
We will identify any information that is material to the Review. If essential facts are missing or conflicting, we may ask for clarification, explain a limitation, pause the affected analysis, or advise that the question requires specialist consideration. We will make a dated written request for outstanding essential information, allow 14 calendar days, send a reminder after seven calendar days if needed, and then issue a final written notice allowing another seven calendar days before considering closure. We will consider responses and reasonable extensions before closing a case. You may request reopening within 30 calendar days after formal closure without purchasing another Review if it can reasonably be completed within the original scope. Any refund is assessed under clause 8 and applicable legal rights; case closure does not automatically forfeit the fee.
6. When work starts and when you receive it
Our normal target is to deliver the completed Review within two working days after (a) payment or our express complimentary authorisation and applicable engagement/acceptance steps are complete; (b) we have sufficient information to perform the agreed scope; and (c) any required AML/customer-due-diligence checks have been satisfactorily completed. We will tell you when we have what we need. If material new evidence or questions arise, we will explain the impact on timing.
No promise is made that a payment alone starts the two-working-day clock. We may decline or pause an engagement where legally required checks or essential information cannot be completed; any refund due will be handled under clause 8 and applicable law.
7. Reports, estimates and your decisions
A Financial Review is based on the facts, evidence, periods and rules stated in it. Where figures are projections or estimates, the report will label them and explain important assumptions. Tax/VAT treatment, vehicle arrangements and company-versus-sole-trader comparisons may require additional evidence or a separately agreed service.
You may use the Review and its recommendations whether or not you choose any further Keepmore service. Decisions and actions outside our agreed scope remain yours. Nothing in these terms excludes any legal duty or liability that cannot lawfully be excluded.
Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited. Subject to that, and to the extent permitted by law, Keepmore Finance Ltd’s total aggregate liability arising out of or in connection with the Financial Review, whether in contract, tort (including negligence), misrepresentation or otherwise, is limited to GBP 5,000. This limitation does not affect any statutory rights or liability that the law does not permit us to limit.
8. Cancellation, work started early and refunds
You are a consumer if you are an individual buying mainly for purposes outside your trade, business, craft or profession. A company is not a consumer. Being self-employed does not by itself determine the status of this purchase. We will record who is contracting and your stated main purpose; if the position is uncertain, we will assess it individually before starting. References to statutory consumer cancellation rights apply only where those rights legally apply; these terms do not grant them automatically to business purchasers.
Contact us at hello@keepmorefinance.co.uk to cancel or raise a refund request, identifying the purchaser and Review reference. We will confirm receipt and explain the next steps.
Where consumer cancellation rights legally apply to this distance or off-premises service contract, we will give you the required pre-contract information, cancellation instructions and model cancellation form. The usual statutory cancellation period for a qualifying service contract is 14 days from the day after the contract is made. These rights depend on whether the purchaser is legally a consumer and on the circumstances of the purchase; the fact that an individual is self-employed does not by itself settle that question.
If you are a consumer with a cancellation right and expressly ask us to start during the cancellation period, you may have to pay a lawful proportionate amount for service supplied if you cancel after work has started. Once the Financial Review has been fully performed, you will lose the statutory right to cancel where that right applied, provided the legally required prior request and acknowledgement were obtained. We will not use a blanket “no refunds” rule.
Where statutory consumer cancellation rules do not apply, we will consider whether work has started, the work actually performed, and any applicable contractual or legal entitlement when determining a cancellation/refund request. If we are unable to provide the agreed service, we will explain the position and any refund due. This clause does not affect any statutory rights relating to poor or non-performance of the service.
9. Optional joining credit
If you separately choose a qualifying monthly Keepmore service within 30 days after your completed Financial Review is delivered, a joining credit may apply under the monthly service offer agreed with you. Essential: up to £60 credit in total, usually £20 against each of the first three full monthly payments. Managed: the actual amount you paid for the Review is spread across the first three full monthly payments, subject to the agreed credit schedule.
This is an optional credit against future monthly fees, not a cash refund, and it never obliges you to subscribe. The separate monthly engagement confirms its scope, price, billing and credit application. Complimentary Reviews have no Review-to-monthly joining-credit eligibility because no Review fee was paid.
10. Confidentiality, data handling and communication
We handle your information for the Review, billing, record-keeping and applicable legal/compliance purposes. Our current website and enquiry Privacy Policy is available at https://keepmorefinance.co.uk/privacy-policy/. Before we ask you to provide paid Review information, we will also give you the applicable client/Financial Review privacy information covering the additional data we collect, the purposes and lawful bases, service providers, retention, transfers and your rights.
Formal confirmations and your completed, approved PDF report will be sent to your verified email address using our business email. You may choose to use your included 20-minute telephone or messaging-service consultation as described in clause 3. The agreed messaging service may be used for routine communications by agreement, but it is not our authoritative evidence archive; material instructions and advice are recorded in the controlled Review case. You should keep a copy of the report and material confirmations we send.
11. Complaints and corrections
Tell us promptly at hello@keepmorefinance.co.uk if you believe information is wrong or if you are dissatisfied with the service. We will acknowledge and investigate the matter, consider supporting evidence, explain our response and correct a material error where appropriate. We will preserve an appropriate audit trail. This does not limit any statutory rights.
12. Scope changes and further services
If the evidence shows that material work outside the Review scope is needed, we will explain the issue and agree any separate scope and price with you before undertaking that extra work. No subscription, bookkeeping setup, VAT registration or other implementation service begins automatically.
Model cancellation form (you may cancel in another way)
To: Keepmore Finance Ltd, hello@keepmorefinance.co.uk, 101 Maes Y Gog, Rhyl, Wales, LL18 4QJ.
I hereby give notice that I cancel my contract for the Driver Financial Review & Setup Plan.
Ordered on: __________
Name: __________
Address/contact: __________
Date: __________
Privacy information V1.4-L05
KEEPMORE FINANCE LTD
PAID FINANCIAL REVIEW — ADDITIONAL CLIENT PRIVACY INFORMATION
Version V1.4-L05
ABOUT THIS NOTICE
This information applies when you purchase or ask us to undertake a standalone Driver Financial Review & Setup Plan (the “Review”). It explains how we use information beyond what is covered by our website and enquiry Privacy Policy at https://keepmorefinance.co.uk/privacy-policy/. Read both notices together. Buying a Review does not automatically enrol you in ongoing monthly accounting services or create a paid accounting-software subscription. If you later choose monthly services, we will give you any further privacy information needed for those services before collecting additional information.
WHO WE ARE AND HOW TO CONTACT US
Keepmore Finance Ltd is responsible for deciding how and why the personal information described here is used (the data controller). Company number 17052191. Registered office: 101 Maes Y Gog, Rhyl, LL18 4QJ. ICO registration ZC098277.
Privacy questions and requests: hello@keepmorefinance.co.uk. You can also contact us using our website contact page. We will tell you if a different organisation is separately responsible for particular information it collects directly from you, for example under its own payment or identity-verification privacy terms.
THE INFORMATION WE USE
For your Review, we may collect and use:
• Identity and contact information: your name, contact details, business or trading name, company details where relevant, your role and your Review reference.
• Purchase, service and correspondence information: the Review ordered, agreed scope and terms, payment amount and status, payment transaction reference and relevant refund information, questions, instructions, messages, approvals, complaint/correction records and report-delivery history.
• Business and financial information relevant to the Review: your trading stage, earnings and delivery-work arrangements, representative payment statements, bonuses, costs, vehicle and finance arrangements, VAT/tax position, bookkeeping practices, business structure and evidence supplied to explain the figures. Where you operate as a sole trader, business information can also be your personal information.
• Identity-verification and compliance information, when required: information necessary to verify identity and business ownership or authority, assess risk, and meet applicable anti-money-laundering and other legal obligations.
• Technical and security information arising from the relevant website/intake route, such as submission timestamp, access or security logs and case/invitation identifiers where used. We will not ask for unnecessary personal data about your customers, employees or family members.
We will explain which documents or details are needed for the particular Review. Please avoid sending unrelated personal information or unrequested identity/financial documents through email, a messaging service or a public form. Use only the evidence-submission method we specifically provide.
WHERE THE INFORMATION COMES FROM
Usually you provide the information directly, through your free Business Money Check, our communications, paid Review intake, secure upload route or identity-verification process. If you ask us to use a payment or business record supplied by a third party, such as a delivery business, we will explain the relevant source and how we use it. We may also use relevant publicly available company information when required for the engagement or compliance process.
WHY WE USE THE INFORMATION AND THE LEGAL BASIS
• To assess your enquiry, agree and deliver the one-off Review, communicate with you, produce the report and respond to your instructions: taking steps at your request before a contract and performing the contract where you personally contract with us. Where a company contracts with us, using its representative’s limited contact and role information may instead be based on our legitimate interests in delivering the agreed business service.
• To take payment, maintain accurate transaction records, administer refunds, keep proper business/tax records and meet relevant legal duties: performance of a contract where applicable; our legitimate interests in collecting sums due and keeping accurate records; and legal obligation for records required by law, as appropriate to the particular processing.
• To carry out identity checks, customer due diligence, risk assessments and legally required record-keeping where applicable: compliance with legal obligations under applicable anti-money-laundering and related requirements.
• To protect the website and client records, prevent fraud, manage complaints, investigate errors and establish or defend legal claims: our legitimate interests in operating a secure and accountable service and protecting legal rights, balanced against your interests and rights; or legal obligation where a specific duty applies.
• To send optional marketing about other services: only on the lawful basis and marketing-permission conditions explained at the point of choice and in our website Privacy Policy. You do not have to agree to marketing to receive the Review. Necessary service messages are not optional marketing.
We do not rely on consent to process information that is necessary for performance of the Review or compliance with a legal obligation.
WHO MAY RECEIVE THE INFORMATION
Only where needed for the relevant purpose, information may be received by:
• Keepmore’s authorised personnel and professional advisers where reasonably necessary, subject to appropriate confidentiality and access controls.
• Service providers that support our website hosting, business email and communications, secure cloud storage and backups, accounting/client-management systems and other technical services needed to operate the Review.
• Payment service providers for taking payments, maintaining transaction records, preventing fraud and administering refunds. We do not need you to send us full card details by email or a messaging service.
• Where an identity or anti-money-laundering check is required, identity-verification and compliance providers. The information used depends on the check selected and may include identity and contact details, photographic identity documents, address-verification information, screening results and, where a biometric check is selected, facial/liveness information. Biometric processing is not used for every customer. Specialist providers may support parts of those checks and the exact provider route can vary.
• Other advisers, specialist providers, regulators, competent authorities or insurers where needed for an agreed referral, legal duty, claim, complaint or your authorised instruction.
If you choose to communicate with us through a messaging service, that messaging service is involved in handling those communications. Routine messages may be exchanged there, but it is not our authoritative archive for detailed financial or identity evidence. The free Business Money Check and your personal downloaded PDF remain covered by the website Privacy Policy.
INTERNATIONAL USE OF INFORMATION
Some of our service providers may use suppliers or permit necessary processing outside the UK in some circumstances. Where a restricted international transfer applies, the relevant provider is required to use an appropriate lawful safeguard. The exact processing route can vary by service and by the type of identity or compliance check used. You can contact us for information about the safeguards relevant to your Review.
HOW LONG WE KEEP INFORMATION
The website Privacy Policy explains that free Business Money Check submissions and unsuccessful enquiries are normally kept for up to 12 months, subject to its stated exceptions. Once you become a paid Review client, the client retention rules applicable to the information supersede the unsuccessful-enquiry period to the extent required for the client record.
Unnecessary original uploaded financial documents are normally deleted from active case storage 90 days after completed report delivery, once necessary working-paper information has been extracted. For unfinished or formally closed Reviews, the period runs from formal closure. Relevant legal, complaint, dispute or evidence-preservation holds may delay deletion.
The final approved report and necessary working papers are retained for six years after delivery. Terms-acceptance and delivery evidence are retained for six years after completion or formal closure. Material instructions, advice and corrections are retained as necessary case records; routine correspondence is deleted when no longer required.
Identity-verification and anti-money-laundering records that fall within the relevant legal retention obligation are generally kept for five years from the end of the business relationship or completion of the occasional transaction, subject to applicable exceptions and required deletion thereafter.
Accounting and payment records follow the separate statutory and business-record retention schedule applicable to those records.
Deletion from our active case records does not necessarily remove information already contained in backups. Our website and database are backed up daily by our hosting provider using a rolling retention window of approximately 18 days. Older restore points are automatically removed as newer restore points are created, after which the associated backup files cannot be recovered. Restores operate at site/directory level rather than individual-record level and may overwrite later changes. Security and account audit records may be retained separately by relevant service providers; some account audit records are retained for up to 18 months. Server/access-log retention has not yet been independently confirmed.
AUTOMATED PROCESSING
We may use software to organise information and assist calculations or drafting. Financial Review findings and recommendations are subject to human review and approval. We do not use the paid Review to make solely automated decisions about you that have legal or similarly significant effects. The automated free Check is described separately in the website Privacy Policy.
YOUR RIGHTS AND CHOICES
Depending on the circumstances and applicable exemptions, you may request access to your personal data, ask us to correct it, ask for erasure or restricted use, object to certain uses, or ask for your data in a portable form where that right applies. Where we rely on your consent, you may withdraw it without affecting earlier lawful use. Some records may have to be retained under applicable legal obligations even after an erasure request. Contact hello@keepmorefinance.co.uk to exercise your rights or raise a privacy concern.
You also have the right to complain to the Information Commissioner’s Office: https://ico.org.uk/make-a-complaint/.
WHAT YOU NEED TO PROVIDE
We will tell you which information is necessary to agree and carry out the Review and which is required by law. You do not have to buy the Review, but we may be unable to accept or complete it if essential financial information, identity verification or legally required records are not provided. Please tell us if information is approximate or belongs to another person so we can handle it appropriately.
UPDATES
This notice supplements our website Privacy Policy. We will review it when our actual paid-Review intake, providers or legal requirements change and provide updated information before any materially different new use of your information. The version of this notice is shown above.
Cancellation information
8. Cancellation, work started early and refunds
You are a consumer if you are an individual buying mainly for purposes outside your trade, business, craft or profession. A company is not a consumer. Being self-employed does not by itself determine the status of this purchase. We will record who is contracting and your stated main purpose; if the position is uncertain, we will assess it individually before starting. References to statutory consumer cancellation rights apply only where those rights legally apply; these terms do not grant them automatically to business purchasers.
Contact us at hello@keepmorefinance.co.uk to cancel or raise a refund request, identifying the purchaser and Review reference. We will confirm receipt and explain the next steps.
Where consumer cancellation rights legally apply to this distance or off-premises service contract, we will give you the required pre-contract information, cancellation instructions and model cancellation form. The usual statutory cancellation period for a qualifying service contract is 14 days from the day after the contract is made. These rights depend on whether the purchaser is legally a consumer and on the circumstances of the purchase; the fact that an individual is self-employed does not by itself settle that question.
If you are a consumer with a cancellation right and expressly ask us to start during the cancellation period, you may have to pay a lawful proportionate amount for service supplied if you cancel after work has started. Once the Financial Review has been fully performed, you will lose the statutory right to cancel where that right applied, provided the legally required prior request and acknowledgement were obtained. We will not use a blanket “no refunds” rule.
Where statutory consumer cancellation rules do not apply, we will consider whether work has started, the work actually performed, and any applicable contractual or legal entitlement when determining a cancellation/refund request. If we are unable to provide the agreed service, we will explain the position and any refund due. This clause does not affect any statutory rights relating to poor or non-performance of the service.
Model cancellation form (you may cancel in another way)
To: Keepmore Finance Ltd, hello@keepmorefinance.co.uk, 101 Maes Y Gog, Rhyl, Wales, LL18 4QJ.
I hereby give notice that I cancel my contract for the Driver Financial Review & Setup Plan.
Ordered on: __________
Name: __________
Address/contact: __________
Date: __________
Optional early-start request L05-ES-2
I expressly request Keepmore Finance to begin my Financial Review before the end of any applicable 14-day cancellation period. I understand that if I cancel after work has started I may have to pay a lawful proportionate amount for the service supplied up to cancellation. I acknowledge that once the Financial Review has been fully performed I will lose my statutory right to cancel (where that right applied).