Client terms & conditions of service

BizAccess Consult Limited • Registration No. CS068902018 • House No. F457/2, Troas Crescent, Osu, Accra, Ghana • www.bizaccess.co • admin@bizaccess.co • Version 1.0

1.1 These Terms and Conditions ("Terms") govern every service provided by BizAccess Consult Limited and its BizAccess Travel division ("BizAccess", "we", "us") to any person or entity ("Client", "you").

1.2 You accept these Terms by ticking the acceptance box on our platform, signing an order or engagement letter, or paying for any Service. Electronic acceptance is legally binding under the Electronic Transactions Act, 2008 (Act 772).

1.3 Where an order form, quotation or engagement letter ("Order") conflicts with these Terms, the Order prevails for that Service only.

1.4 We record the date, time, version of the Terms accepted and the account or device used. That record is evidence of your acceptance.

• Authority — any government agency, regulator or official body, including the Office of the Registrar of Companies (ORC), Ghana Revenue Authority (GRA), Social Security and National Insurance Trust (SSNIT), Ghana Investment Promotion Centre (GIPC), Data Protection Commission (DPC), Environmental Protection Agency (EPA), any sector regulator, embassy, consulate, visa application centre or educational institution.
• Statutory and Third-Party Fees — fees, levies, taxes, stated-capital duties, audit fees, visa fees, application fees and similar charges payable to an Authority or third party.
• Service Fee — the fee charged by BizAccess for its own work, excluding Statutory and Third-Party Fees.
• Services — the services described in your Order, including those in Clauses 6 to 11.
• Retainer — a Service billed on a recurring monthly or annual basis.
• Working Day — Monday to Friday, excluding public holidays in Ghana.

3.1 BizAccess is an independent business services provider. We are not an Authority, we do not act on behalf of any Authority, and we have no power to approve, register, license, certify, audit or grant any application.

3.2 We prepare, submit, coordinate and follow up on applications and filings on your instructions. Every decision — including name approval, incorporation, tax registration, permits, visas, admissions and funding — rests solely with the relevant Authority or third party.

3.3 We do not guarantee any outcome, approval, timeline or decision of an Authority or third party.

3.4 BizAccess is not a law firm and does not provide legal advice. We are not a licensed audit firm and do not issue audit opinions. Where a Service requires a licensed professional, we engage or refer you to one under Clause 15.

3.5 You remain legally responsible for your business, your filings and your statutory obligations at all times. Engaging BizAccess does not transfer that responsibility to us.

4.1 You must be at least 18 years old and have authority to bind the person or entity on whose behalf you instruct us.

4.2 You must provide information and documents that are complete, accurate, current and genuine, including beneficial ownership information required under the Companies Act, 2019 (Act 992).

4.3 We may verify your identity and the source of funds and may request further documents. We may refuse, suspend or terminate any Service, and make any report required by law, under the Anti-Money Laundering Act, 2020 (Act 1044) and related laws.

4.4 You must respond to our requests within 5 Working Days. Delays caused by late or incomplete information are your responsibility.

4.5 You must review every draft, form and filing we send you before approving it. Your approval confirms the content is correct.

4.6 You must keep your account login details confidential. Instructions sent from your registered email, phone number or account are treated as your instructions.

5.1 The scope, price and deliverables of each Service are set out in your Order or on our published rate card at the time of purchase.

5.2 Anything not stated in your Order is out of scope and will be quoted and billed separately before we start it.

5.3 We deliver Services with reasonable skill and care, in line with the standards of a professional business services provider in Ghana.

6.1 Business name availability is decided by the ORC. A name search or reservation does not guarantee approval.

6.2 Registration, annual returns, amendments, replacements and TIN issuance are completed by the relevant Authority. We submit and track them on your behalf.

6.3 Statutory fees are set by the Authority and may differ between ORC offices and change without notice. Any increase is passed on to you.

6.4 Stated-capital duty is calculated on the stated capital you declare. You are responsible for declaring the correct amount.

6.5 Certificates and documents are delivered to the address you provide. Risk in the documents passes to you on delivery to that address or to the courier you nominate.

6.6 Foreign investors are responsible for meeting GIPC minimum capital and registration requirements under the Ghana Investment Promotion Centre Act, 2013 (Act 865). We facilitate the process but do not guarantee GIPC registration.

6.7 Banks decide whether to open accounts. Bank account facilitation is an introduction and coordination service only.

7.1 The Compliance Retainer covers the items listed in your Order, typically deadline tracking, reminders, annual-return preparation and filing, and agreed statutory updates.

7.2 Term. A Retainer runs for 12 months from the start date unless your Order states otherwise. It renews automatically for further 12-month periods unless either party gives 30 days' written notice before the renewal date.

7.3 Fees. Retainer fees are payable in advance, monthly or annually as stated in your Order. Statutory and Third-Party Fees are billed separately.

7.4 Reminders. Our reminders are a service aid. Meeting statutory deadlines remains your legal obligation. We are not liable for penalties where you did not give us the information, approval or payment needed at least 10 Working Days before the deadline.

7.5 Out-of-scope work. Amendments, restructuring, back-filing of prior years, penalty negotiations and regulator correspondence outside the Order are quoted separately.

7.6 Prior non-compliance. We are not responsible for penalties, arrears or defaults that arose before the Retainer started.

7.7 Cancellation. You may cancel with 30 days' written notice. Fees for the current billing period are non-refundable. Annual fees paid in advance are not refunded for unused months unless we terminate for convenience.

7.8 Price review. We may revise Retainer fees on renewal by giving at least 30 days' notice.

8.1 Statutory audits are performed only by an independent audit firm licensed by the Institute of Chartered Accountants, Ghana, under the Chartered Accountants Act, 2020 (Act 1058) ("Audit Firm").

8.2 BizAccess coordinates the audit: we prepare and organise your records, liaise with the Audit Firm and track the engagement. BizAccess does not perform the audit or issue an audit opinion.

8.3 The Audit Firm will issue its own engagement letter to you. The audit relationship, the audit opinion and the Audit Firm's professional liability are between you and the Audit Firm.

8.4 We do not guarantee an unqualified ("clean") opinion. The opinion depends on your records and the Audit Firm's independent judgement.

8.5 Your directors remain responsible for the preparation and fair presentation of your financial statements under the Companies Act, 2019 (Act 992).

8.6 Audit fees are Third-Party Fees and are payable as agreed with the Audit Firm, in addition to our Service Fee.

9.1 We prepare books, management accounts, payroll schedules and tax returns from the records and information you provide. We do not audit or independently verify that information.

9.2 You must provide complete records by the dates agreed in your Order, typically by the 5th Working Day of each month.

9.3 We file tax returns only after you approve them. You are responsible for paying all taxes, levies and contributions due to the GRA, SSNIT or any Authority.

9.4 We are not liable for taxes, interest or penalties caused by inaccurate, late or incomplete information from you, or by your failure to pay.

9.5 You must retain original records for at least six years, or longer where the law requires, including under the Revenue Administration Act, 2016 (Act 915).

9.6 Tax guidance given within a bookkeeping Retainer is general compliance support. Specialist tax opinions, disputes and objections are out of scope.

10.1 BizAccess Travel provides advisory and documentation guidance for study and work applications abroad: requirement checklists, application review, institution and programme research, and interview preparation.

10.2 BizAccess Travel is not an embassy, consulate, visa application centre, immigration authority, educational institution or scholarship body, and is not affiliated with any of them unless we state so in writing.

10.3 Visas, admissions, scholarships and work permits are decided solely by the relevant Authority or institution. We do not guarantee any visa, admission, scholarship, offer of employment or travel outcome.

10.4 Genuine Documents Only. We do not create, alter, issue, supply, lend or arrange bank statements, sponsorship letters, proof of funds, employment letters, academic records or any other supporting document. All such documents must be issued by the genuine source and supplied by you.

10.5 You warrant that every document you provide is genuine and truthful. If we reasonably suspect a document is false or altered, we will stop work immediately, retain the Service Fee and may report the matter to the relevant Authority.

10.6 We do not lend money or provide funds of any kind.

10.7 Visa, application, tuition, courier, biometric and similar fees are Third-Party Fees, are paid at your risk and are not refundable by BizAccess if your application is refused.

10.8 Where the applicant is under 18, a parent or legal guardian must accept these Terms and give consent on the applicant's behalf.

11.1 Funding Facilitation. We help prepare applications and introduce you to funders. We do not guarantee any grant, loan or investment. Success fees are payable only as defined in your Order.

11.2 Advisory. Business advice is based on the information you provide and is not legal, investment or financial advice.

11.3 Branding, Web and Automation. Deliverables are accepted on written approval or 5 Working Days after delivery without written objection. Each project includes the revision rounds stated in the Order; further changes are billed.

11.4 You must hold the rights to all content, logos and materials you give us.

11.5 Third-party hosting, domains, software and subscriptions are governed by the provider's own terms.

12.1 Currency & Breakdown: Prices are quoted in Ghana Cedis (GHS) and show the Service Fee and Statutory and Third-Party Fees separately where possible.

12.2 Payment Timing: Payment is due in full before we start work, unless your Order states otherwise.

12.3 Official Channels Only: Pay only through official channels: our online payment platform, our USSD code, or the company bank account named on your invoice. Payments made to any individual, agent or personal mobile money number are made at your own risk and do not discharge your obligation to BizAccess.

12.4 Payment processing or transaction charges may be added at the point of payment.

12.5 Prices may change at any time. A change does not affect a Service you have already paid for, except for increases in Statutory and Third-Party Fees under Clause 6.3.

12.6 Work Suspension: We may suspend work on any Service, including a Retainer, while any amount is overdue.

13.1 Service Standard Target: Any turnaround time we publish, including our 10 Working Day service standard, is a target, not a guarantee.

13.2 Start Criteria: Timelines start only when we have received full payment and all required information and documents.

13.3 Third-Party Delays: We are not responsible for delays caused by any Authority, system downtime of an Authority's portal, bank, courier or third party, or by you.

14.1 Before Work Starts: You may cancel for a refund of the Service Fee, less payment processing charges.

14.2 After Submission: Once submitted to an Authority or third party, the Service Fee and all Statutory and Third-Party Fees already paid are non-refundable.

14.3 Rejection by an Authority: Where an application is rejected because of information you provided, any resubmission is billed. Where it is rejected because of our error, we will correct and resubmit at no Service Fee.

14.4 Our Failure: If we cannot deliver a Service for reasons within our control, we will refund the Service Fee for the undelivered part.

14.5 Written Request: Refund requests must be made in writing to admin@bizaccess.co within 14 days of the event giving rise to the request. Approved refunds are paid within 30 days to the original payment method.

14.6 Retainer Cancellations: Retainer cancellations are governed by Clause 7.7.

15.1 We may use subcontractors and partner professionals, including Audit Firms, accountants, lawyers and couriers, to deliver Services.

15.2 Agent Limits: BizAccess agents and marketing officers are independent. They are not authorised to vary these Terms, give guarantees, or receive payment outside the official channels in Clause 12.3.

15.3 Licensed professionals who contract with you directly are responsible for their own professional work.

16.1 Notices: We communicate by email, phone, SMS, WhatsApp and our platform. Notices sent to the contact details on your account are treated as received on the next Working Day.

16.2 Electronic Signatures: You consent to electronic delivery of invoices, documents and notices, and to electronic signatures under Act 772.

16.3 Anti-Fraud Warning: We will never ask you to pay into a personal account. Report any such request immediately to admin@bizaccess.co.

17.1 Protection of Information: We keep your business, financial and personal information confidential and use it only to deliver the Services and meet our legal obligations.

17.2 Permitted Disclosures: We may disclose information to Authorities, Audit Firms, subcontractors and partners as required to deliver the Services, and where required by law, court order or a regulator.

17.3 Privacy Link: Our handling of personal data is set out in our Privacy Policy, which forms part of these Terms.

18.1 BizAccess IP: Our platform, templates, tools, checklists, methodologies and content remain the property of BizAccess.

18.2 Bespoke Deliverables: Ownership of bespoke deliverables (logos, websites, custom systems) passes to you on payment in full, except for our pre-existing materials and third-party components, which are licensed for your use.

18.3 Client Attribution: We may describe you as a client in our marketing only with your prior consent.

19.1 EXCLUSION OF WARRANTIES: TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALL WARRANTIES NOT EXPRESSLY STATED IN THESE TERMS ARE EXCLUDED.

19.2 Educational Guidance: Information on our website, tools (including the Compliance Requirements Generator and Career Compass) and content is general guidance. It is not legal, tax, financial, immigration or professional advice and may not reflect the latest regulatory change.

19.3 Taglines: Our marketing statements, including our tagline, describe our service approach and are not guarantees of any outcome.

20.1 Total Liability Cap: Our total liability for all claims arising from or connected with a Service is limited to the Service Fee you paid for that Service in the 12 months before the claim arose. Statutory and Third-Party Fees are excluded from this calculation.

20.2 Consequential Loss: We are not liable for any loss of profit, revenue, business, opportunity, contract, data or goodwill, or for any indirect or consequential loss.

20.3 Third-Party Acts: We are not liable for any act, omission, decision, delay or system failure of an Authority or third party, or for penalties caused by your own acts or omissions.

20.4 Uncapped Liabilities: Nothing in these Terms limits liability for fraud, wilful misconduct, or death or personal injury caused by negligence, or any liability that cannot be limited by law.

20.5 Notice Period: You must notify us in writing of any claim within 6 months of becoming aware of it.

You will indemnify BizAccess, its directors, employees and agents against any loss, penalty, claim or cost (including reasonable legal fees) arising from false, incomplete or misleading information or documents you provide, your breach of these Terms, or your breach of any law.

22.1 Immediate Termination: We may suspend or terminate any Service immediately if you breach these Terms, fail to pay, provide false documents, fail our verification checks, or behave abusively towards our staff.

22.2 Termination for Cause: Either party may terminate a Service by written notice if the other materially breaches these Terms and does not remedy the breach within 14 days.

22.3 Survival: On termination, you must pay for all work done and costs incurred up to the termination date. Clauses 17 to 21, 24 and 25 survive termination.

We are not liable for failure or delay caused by events beyond our reasonable control, including Authority system outages, changes in law or policy, strikes, power or internet failure, cyber-attack, epidemic, civil unrest or natural disaster.

24.1 Customer Complaints: Send complaints to admin@bizaccess.co. We will acknowledge within 2 Working Days and respond in full within 10 Working Days.

24.2 Mediation: If a dispute is not resolved within 30 days, either party may refer it to mediation under the Alternative Dispute Resolution Act, 2010 (Act 798).

24.3 Binding Arbitration: If mediation fails within 30 days, the dispute will be finally resolved by arbitration under Act 798 by a sole arbitrator, seated in Accra, conducted in English.

24.4 Urgent Relief: Either party may seek urgent injunctive relief from the courts of Ghana.

These Terms are governed by and construed in accordance with the laws of the Republic of Ghana.

26.1 Entire Agreement: These Terms, the Privacy Policy and your Order form the entire agreement for each Service.

26.2 Changes: We may update these Terms by publishing a new version on our website. The version you accepted applies to Services ordered under it; new Orders and Retainer renewals follow the current version.

26.3 Severability: If any provision is held invalid, the rest remains in force.

26.4 No Waiver: Delay in enforcing a right does not waive it.

26.5 Assignment: You may not transfer your rights without our written consent. We may assign to a successor business.

26.6 Authority to Sign: Only a Director of BizAccess Consult Limited may vary these Terms or sign an agreement on behalf of the company.

BizAccess Consult Limited

• House No. F457/2, Troas Crescent, near Trust Mother and Child Hospital, Osu, Accra, Ghana
• Email: admin@bizaccess.co
• Phone: +233 (0) 59 690 0005
• Website: www.bizaccess.co