Payments, Cancellations & Refunds

Last updated: 1 October 2026

This policy explains how payments are collected, how to cancel a service or payment arrangement, and when a refund may be due.

It applies to accounting plans, add-ons and one-off services purchased from Clearview Digital Accountancy Ltd.

Please read it alongside our Accounting Services Terms, your Engagement Letter and your Service Schedule. Nothing in these documents removes your statutory rights.

1. Who to contact

For payment questions, cancellations or refund requests, contact:

Clearview Digital Accountancy Ltd
Company number: 17047704
Email: hi@cvdaccountancy.co.uk
Telephone:
Registered office: 26 Woodheys, Mersey Road, Stockport, England, SK4 3BJ

Please provide enough information for us to identify your order or engagement. An order or invoice reference is helpful, but a consumer exercising a statutory cancellation right does not have to use a particular form or provide a reason.

2. Payment methods and charges

We use Stripe and GoCardless to process payments. The payment methods available for your purchase will be shown during ordering or included in your payment instructions.

Stripe processes online payments using the methods offered at checkout. GoCardless processes bank payments, including Direct Debit where selected.

Before you commit to a purchase, we will explain:

• The services and quantities selected.
• The total price and any applicable taxes.
• Whether payment is one-off, monthly or annual.
• Any minimum contractual commitment.
• Any separately payable filing fees, software costs or other agreed charges.
• The arrangements for recurring payments, where applicable.

Prices are stated in pounds sterling unless otherwise agreed. VAT is not currently added to our own service fees.

Optional services and additional charges require your agreement. A payment authorisation does not give us permission to collect amounts outside the agreed arrangement.

3. Annual and monthly payments

Annual payment

Accounting plans paid annually in advance receive a 10% discount against the undiscounted annual fee. Ongoing add-ons selected for annual payment in advance also receive the 10% annual-payment discount.

Your order summary will show the applicable discount and total payable.

Monthly payment

Monthly payments follow the agreed payment schedule. The annual upfront discount does not apply.

Payment frequency does not determine contract duration. Your order and Service Schedule will explain whether monthly payments are instalments of an annual fee or payments for a monthly engagement.

The accounting or tax period covered, renewal arrangements and any notice requirements must also be stated in your engagement documents.

4. Orders not yet accepted

Our Accounting Services Terms explain when we accept an order and when your contract begins.

An automated payment receipt is not, by itself, confirmation that we have accepted your appointment.

If you withdraw your order before acceptance, or we decline it, we will return any advance payment without undue delay, subject to any legal restriction on returning funds.

For a consumer withdrawing an offer to enter a qualifying distance contract, the applicable statutory refund deadline also applies.

5. Consumer cancellation rights

A consumer is an individual buying services wholly or mainly for purposes outside their trade, business, craft or profession.

A limited company is not a consumer. An individual, including a sole trader, may purchase as a business customer or as a consumer depending on the purpose of that particular purchase.

If you enter into a qualifying service contract online, by telephone or through another distance-selling arrangement as a consumer, you have a statutory right to cancel without giving a reason.

The normal cancellation period ends 14 days after the day your contract is made. Comparable rights apply to qualifying contracts made away from our business premises.

To cancel, tell us through a clear statement using the contact details above. Sending your cancellation before the applicable deadline is sufficient. You may use the optional form at the end of this policy, but you do not have to.

If we fail to provide the required cancellation information, the law can extend the cancellation period by up to 12 months beyond its original end. If we provide that information during the extension, the period normally ends 14 days after you receive it.

6. Starting work during the cancellation period

We will start services during a consumer’s statutory cancellation period only at their express request.

If you request an early start and then cancel before the service is fully performed, we may charge for the service actually supplied up to cancellation, provided the required cancellation and charging information was given beforehand.

The charge must be proportionate to the work supplied compared with the full service agreed. It is based on the agreed contract price, including any applicable discount. If that price is excessive, the law requires the calculation to use the market value of the service supplied instead.

You will not be charged for services supplied during the cancellation period where the law prevents us from charging, including where the required information or express early-start request was missing.

Your statutory change-of-mind cancellation right ends following full performance only if you expressly requested the early start and acknowledged beforehand that full performance would end that right.

Completing an initial task does not necessarily complete an ongoing accounting plan. Your rights concerning defective services remain unaffected.

7. Business cancellations and cancellation after the cooling-off period

For business customers, and for consumers cancelling after the applicable statutory cancellation period, the right to end an engagement for a change of mind depends on the agreed contract and applicable law.

Your engagement documents must identify any minimum term, notice period and lawful financial consequences of early termination.

Contact us to give notice. We will confirm:

• The effective end date.
• Which services or add-ons will end.
• Work already completed and work still outstanding.
• Any final amount payable or refund due.
• Responsibility for approaching filing or payment deadlines.

We will not introduce an undisclosed exit fee or minimum term after you have purchased.

For consumers, any cancellation charge or retention of an advance payment must be fair and proportionate. It must take account of losses reasonably avoided and must not compensate us twice for the same loss.

These arrangements do not restrict any right to terminate or obtain another remedy because of our breach of contract.

8. Annual payments, discounts and add-ons when you cancel

An annual payment is not automatically non-refundable merely because it was paid in advance. Equally, cancellation does not always create a right to a refund calculated only by the number of unused months.

Where a refund or final balance is due, we will explain the calculation with reference to:

• The services and accounting periods covered.
• Work actually performed.
• The agreed charging structure.
• Any other amounts lawfully payable.
• Your applicable statutory rights.

For statutory consumer cancellation, the rules in sections 5 and 6 take priority.

This policy does not create an automatic right for us to reclaim the annual discount or charge every remaining instalment. Any proposed adjustment outside statutory cancellation must have a valid contractual and legal basis.

If you wish to cancel only an add-on, tell us which one. We will confirm the effect on the remaining services and future payments.

Where statutory cancellation also ends an associated contract under the rules on ancillary contracts, we will give effect to those rules.

9. One-off services and third-party costs

This policy also applies to one-off services such as company formation, VAT registration, company closure support and accountant letters.

A service being tailored to you does not, by itself, remove any applicable consumer cancellation rights.

If you request performance during a statutory cancellation period, section 6 applies. An application having been submitted or a letter having been prepared does not remove your rights where the service was defective.

Any statutory filing fee or third-party cost must be disclosed before you authorise it. We will explain any proposed deduction and its legal or contractual basis.

We will not use a third party’s refund policy to override a refund obligation that we owe you under the law.

10. If the service is not provided properly

We must provide our services with reasonable care and skill.

If you are a consumer and the service does not meet the applicable legal requirements, you may be entitled to have the necessary work repeated or corrected at our cost, within a reasonable time and without significant inconvenience.

Where repeat performance is impossible, or is not provided as legally required, you may be entitled to an appropriate price reduction. In suitable circumstances, that reduction can be the full price. Price reduction rights may also arise for other statutory breaches.

These rights are separate from the change-of-mind cancellation period and can apply after it has ended.

Business customers retain their rights under the agreement and applicable law. Nothing in this policy limits other remedies available to you.

11. Refund deadlines and how refunds are paid

Statutory consumer cancellation

For a valid statutory cancellation of a service contract, we will make the refund without undue delay and no later than 14 days after being informed of your decision to cancel, subject only to deductions the law permits.

Consumer price reduction for defective services

Where a refund is due under the Consumer Rights Act 2015 price reduction provisions, we will make it without undue delay and within 14 days beginning with the day we agree that you are entitled to it.

Other refunds

We will explain the basis, amount and payment date for any other refund due under your agreement or applicable law.

Statutory refunds will use the original payment method unless you expressly agree otherwise. We will not require you to accept credit against future services instead of money where you are legally entitled to a monetary refund.

We do not deduct Stripe or GoCardless processing fees, or charge a refund administration fee, from a statutory refund.

If the original payment method cannot receive the refund, we will contact you to agree a suitable alternative.

Bank processing times

After a refund has been processed, the time it takes to appear in your account can vary:

These are processing estimates, not additional periods we may use to postpone our legal obligations. Contact us if a refund does not arrive so we can investigate and help trace it.

12. Cancelling a Direct Debit or recurring card payment

You can cancel a Direct Debit by contacting your bank or building society. Please also tell us so we can update your payment arrangements.

For a recurring card payment, you can ask us or your card issuer to stop future collections. Your card issuer cannot require you to contact us first. To stop the next scheduled collection, the request should reach the business or card issuer by the end of the business day before it is due.

Cancelling a payment authority and ending a service agreement are separate actions. Stopping a payment authority does not automatically cancel the engagement or remove a debt properly owed.

We will not use a cancelled payment authority to collect further payments. Any amount still properly payable must be dealt with through another agreed method.

Direct Debit Guarantee

UK Direct Debit payments are protected by the Direct Debit Guarantee. If a collection error occurs, including an incorrect amount or date, you can request a full and immediate refund from your bank or building society under the Guarantee.

The Guarantee addresses payment collection errors. It does not, by itself, determine a dispute about the underlying service or extinguish a valid contractual debt.

Nothing in this policy restricts your rights to contact your bank or card issuer, dispute an unauthorised payment, or use another applicable payment protection.

13. Payment errors and failed payments

Tell us promptly if you believe a payment is duplicated, incorrect or unauthorised. We will investigate and correct any error for which we are responsible.

You may also contact your bank or payment provider directly where appropriate. Contacting us first is not a condition of exercising a statutory or payment-scheme right.

If a payment fails, we will contact you about an alternative arrangement. Any retry must remain within a valid payment authorisation.

Suspension or termination for unpaid fees will be handled under the Accounting Services Terms and applicable law.

14. If we cannot continue the engagement

If we decline an order before acceptance, section 4 applies.

If we need to end an accepted engagement, we will follow the Accounting Services Terms and the law, explain the position where legally permitted, and account for fees already paid.

Where we cannot provide services for which you have paid, we will return amounts we are not entitled to retain. We will not retain an entire annual payment simply because it was paid upfront.

Your rights to a refund, compensation or another remedy arising from our breach remain unaffected.

15. Complaints and changes to this policy

If you disagree with a charge, cancellation outcome or refund calculation, contact us using the details in section 1.

Our Complaints Procedure explains how to raise a complaint. Using that procedure does not prevent you from exercising your legal rights.

We may update this policy for future purchases. Publishing a new version does not retrospectively reduce your rights or change an existing agreement.

Optional consumer cancellation form

Complete and send this form only if you wish to cancel. You may instead use any clear cancellation statement.

Recipient: Clearview Digital Accountancy Ltd
Email: hi@cvdaccountancy.co.uk
Postal address: 26 Woodheys, Mersey Road, Stockport, England, SK4 3BJ

Please cancel my/our contract for the service identified below.

Service or services:
Order date:
Order reference, if available:
Customer name(s):
Customer address:
Signature, for a paper submission:
Date: