Terms of Service

We provide business advisory services relating to market entry into the United Kingdom and the European Union: entity structuring and incorporation support, preparation and management of banking and payment applications, go-to-market strategy, and the management of paid media.

Each engagement is defined by a written scope agreed before work begins. Anything not in that scope is not included, and will be quoted separately if you want it.

We are not a law firm and we are not authorised or regulated by the Financial Conduct Authority. We do not provide regulated legal, tax, immigration or investment advice, we do not prepare or file tax returns, and we do not conduct reserved legal activities.

Where an engagement requires such advice, we will say so and, if you wish, introduce a regulated professional. You contract with them directly, and we are not responsible for their work.

Our obligation is to perform the agreed work with reasonable care and skill. It is not to secure a particular outcome, and in particular:

• We cannot guarantee that any bank, electronic money institution, acquirer or payment provider will approve an application. Those decisions rest entirely with the institution and are frequently taken without reasons being given.
• We cannot guarantee any registration, filing or application will be accepted by a registry or authority within a stated timeframe.
• We cannot guarantee pipeline, revenue, return on advertising spend or any cost per acquisition from marketing activity.

• To give us information that is accurate, complete and not misleading, and to tell us promptly if something changes.
• To provide identity and verification documents we reasonably request. We are required to carry out client due diligence and may decline or discontinue an engagement if we cannot complete it.
• To respond to requests for information within the timescales agreed, since delays on your side move delivery dates.
• To hold, and remain responsible for, all decisions of your business. We advise; you decide.

• Fees are fixed and stated in the engagement letter. We do not raise variations without your written approval.
• Unless the engagement letter says otherwise, fifty per cent is invoiced on engagement and the balance on delivery. Retainers are invoiced monthly in advance.
• Invoices are payable within fourteen days. We may charge statutory interest and compensation on late payment under the Late Payment of Commercial Debts (Interest) Act 1998.
• Fees are exclusive of VAT, which is added where applicable, and exclusive of disbursements, which are recharged at cost.
• We may suspend work where an invoice is overdue, having given you notice first.

Separately from the advisory engagements described above, we sell lower-cost items through The Bridge Library, the catalogue on this website: field notes and working papers delivered as a download, a monthly written briefing by subscription, and fixed-scope counsel. These terms apply to those purchases, with the additions in this section and the next.

• Prices are shown on the page, in pounds sterling, and payment is taken by Stripe. We do not see or store your card details.
• A document is licensed to you for your own business use. You may print it and use it internally. You may not resell it, publish it, or distribute it outside your organisation.
• The subscription renews monthly until cancelled. The price you started on is the price you pay until we tell you otherwise, and we will give at least one month’s notice of any change.
• Fixed-scope advisory items are limited in number because they are drawn from the same hours as client engagements. Buying one reserves a place in the queue, not an immediate slot.
• Every item states what it covers and what it does not before you buy. Nothing in Resources is regulated legal, tax, immigration or investment advice, and buying one does not create an adviser relationship.

Documents

Fourteen days from purchase, for any reason or none. Write to us with your receipt and we refund in full. We do not ask you to delete the file, and we do not make the refund conditional on anything.

Subscription

You may cancel at any time. Cancellation takes effect at the end of the period you have already paid for, and you keep access until then. We do not pro-rate part months, and we do not refund a period that has already been served — but we will not bill you again.

Fixed-scope advisory

Refundable in full until work commences. Work commences when we open your document, review your pre-call brief, or hold the call — whichever happens first. After that the fee is not refundable, because the time has been spent. Rescheduling a call with at least two working days notice is free and does not count as commencement.

How to ask

Email us with the receipt. We acknowledge within two working days and process approved refunds to the original payment method within five working days of approval. Your bank may take longer to show it.

Some elements of an engagement involve third parties: Companies House, HMRC, banks, notaries, translators, advertising platforms and others. Their fees are yours to bear, their timescales are outside our control, and their terms apply to their services. Where you ask us to pay a disbursement on your behalf, we recharge it at cost.

We keep your information confidential and use it only to perform the engagement, except where disclosure is required by law or by a regulator, or where you have agreed to it. This obligation continues after the engagement ends.

We will not name you as a client, use your logo or publish anything about the work without your prior written permission.

Once our fees for the relevant work are paid in full, you own the deliverables we produce specifically for you. We retain ownership of our methods, templates, frameworks and know-how, including anything of that nature embedded in a deliverable, and may continue to use them for other clients.

The content, design and code of this website belong to us or our licensors. You may read, print and share it for your own business purposes; you may not republish it commercially or present it as your own.

Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be limited.

Subject to that, our total liability arising out of or in connection with an engagement, whether in contract, tort, breach of statutory duty or otherwise, is limited to the fees paid by you for that engagement. We are not liable for loss of profit, loss of business, loss of anticipated savings, loss of opportunity, or any indirect or consequential loss.

We are not liable for a decision taken by a bank, registry, authority or advertising platform, for the acts or omissions of a third party you contract with, or for loss arising from information you gave us that was inaccurate or incomplete.

Either of us may end an engagement on thirty days’ written notice, or immediately where the other is in material breach, becomes insolvent, or where continuing would put us in breach of a legal or regulatory obligation.

On termination you pay for work performed and disbursements incurred up to that date. We will hand over completed deliverables for which payment has been made.

We comply with applicable anti-money-laundering, anti-bribery, sanctions and export control law, and we expect the same of you. We will not act where doing so would breach sanctions, facilitate tax evasion, or assist in concealing beneficial ownership, and we will discontinue an engagement if such a concern arises.

We process personal data in accordance with our Privacy Policy and with UK data protection law. Where we process personal data on your behalf as part of an engagement, we will enter into a data processing agreement with you.

This website is provided for general information. Nothing on it is advice, nothing on it creates an adviser relationship, and figures cited in articles are general and subject to change. You should not act on anything here without taking advice on your own circumstances.

We take care over accuracy but do not warrant that the site will be uninterrupted or error-free. Links to third-party sites are provided for convenience and we are not responsible for their content.

If something has gone wrong, write to polarisbridgeltd@gmail.com with the details. We acknowledge complaints within two working days and aim to give a full written response within fifteen working days.

• These terms, together with any engagement letter, are the entire agreement between us on their subject matter.
• If any provision is found unenforceable, the rest continues to apply.
• No third party may enforce these terms under the Contracts (Rights of Third Parties) Act 1999.
• We may update these terms; the version in force when your engagement letter is signed is the version that governs it.

These terms and any dispute arising from them are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction.