Terms & Conditions

Terms and Conditions *Last Updated:* October 2026 Welcome to IQ Operations (“Company,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your use of our website located at [Insert Website URL] (the “Site”) and the operational, administrative, and management support services provided by IQ Operations. By accessing or using our Site or engaging our services, you agree to be bound by these Terms. If you do not agree, please do not use our Site or services. 1. Business Information IQ Operations is a trading name of IQ Operations Ltd [Update with exact registered company name], registered in England and Wales. Company Registration Number: [Insert Companies House Number] Registered Office Address: [Insert UK Registered Address] Contact Email: [Insert Business Email] Contact Telephone: [Insert UK Phone Number] 2. Services Offered IQ Operations provides business operations, administrative assistance, logistics support, and project management services (“Services”). All specific deliverables, project scopes, timetables, and pricing will be set out in separate written Statements of Work (SOW), service agreements, or official invoices issued to the client. 3. Acceptance of Terms & Standard Conduct By visiting our Site, requesting a quote, or entering into a business arrangement with us, you agree to comply with these Terms, as well as applicable national and international laws. When using our website or communicating with our team, you agree not to: Use the Site for fraudulent, unlawful, or unauthorized purposes. Attempt to gain unauthorized access to our servers, website data, or associated operational networks. Submit false or misleading information when requesting quotes or services. 4. Fees, Payment Terms, and Invoicing Quotes & Rates: Fees for custom operational services are provided in writing prior to work commencement. Payment Terms: Unless agreed otherwise in writing, all invoices issued by IQ Operations are payable within 14 to 30 days [Select your preference] of the invoice date. Late Payments: We reserve the right to charge interest and statutory fees on late business payments under the UK Late Payment of Commercial Debts (Interest) Act 1998. Taxes: Prices quoted may be subject to UK Value Added Tax (VAT), if applicable, at the current rate. 5. Cancellations and Refunds B2B Service Contracts: Services customized or already performed are non-refundable. Either party may cancel ongoing retainer services by providing [e.g., 30 days] written notice. Right to Cancel (UK Consumer Rights): If you are engaging our services as an individual consumer (rather than a business entity), you have a statutory right under the Consumer Contracts Regulations 2013 to cancel within 14 days of signing a service agreement, except where performance of the service has already begun with your explicit consent. 6. Intellectual Property Rights All software, original templates, text, designs, logos, and materials published on this website remain the exclusive property of IQ Operations or its licensors. Clients retain full ownership of their proprietary business data and trade secrets provided to us during an operational engagement. IQ Operations retains ownership of pre-existing operational tools, workflows, and proprietary methodology. 7. Confidentiality and Data Protection Confidentiality: Both parties agree to protect and keep strictly confidential all non-public business, financial, or operational information disclosed during the contract period. Data Protection: IQ Operations processes personal information strictly in accordance with UK GDPR and the Data Protection Act 2018. For full details, please refer to our Privacy Policy. 8. Limitation of Liability To the maximum extent permitted by applicable UK law: IQ Operations provides website information on an "as is" and "as available" basis without express or implied warranties. IQ Operations shall not be liable for any indirect, special, or consequential losses, loss of revenue, or loss of business data. Our total liability arising under any service agreement or use of this website shall be strictly limited to the total amount paid by the client for the specific service giving rise to the claim. Nothing in these Terms limits our liability for death, personal injury caused by negligence, or fraudulent misrepresentation where prohibited by law. 9. Third-Party Tools & Links Our website and operational solutions may utilize links to third-party tools, software, or websites. IQ Operations is not responsible for the content, privacy practices, or availability of third-party platforms. 10. Termination We reserve the right to suspend or terminate access to our website or cancel service agreements immediately if you breach these Terms, fail to pay invoices on time, or engage in fraudulent activities. 11. Governing Law and Jurisdiction These Terms and any contractual or non-contractual disputes arising out of them shall be governed by and construed in accordance with the laws of England and Wales. You agree that the courts of England and Wales shall have exclusive jurisdiction. Checklist for Passing Bank Audits &