Terms of Business

The general terms that govern our engagements.

Version 1.0 (draft) · The binding version of these terms is issued with each engagement letter. This page is provided for transparency and is subject to final legal review.

1. The engagement

Services are provided under a signed engagement letter setting out the specific scope, deliverables, timeline, and fees. These general terms apply to every engagement unless expressly varied in writing; where they conflict, the engagement letter prevails.

2. Our services

We perform all services with reasonable professional skill and care, in accordance with applicable industry standards. Our services are advisory: they represent our professional opinion based on the information, documents, and access provided by the client, and do not replace the client's own professional, legal, or regulatory obligations.

Our delivery methodology includes AI-assisted analytical tools. All outputs are reviewed and approved by a qualified professional before release, and we retain full professional responsibility for all deliverables regardless of the tools used in their preparation.

3. Fees and payment

4. Client obligations

The client provides timely access to the documents and information required, ensures their accuracy and completeness, and designates a primary contact. Delays in providing materials extend the timeline proportionally.

5. Deliverables and acceptance

Deliverables are provided in the format specified in the engagement letter. The client reviews deliverables within 10 working days of receipt; if no written objections are raised in that period, deliverables are deemed accepted.

6. Intellectual property

7. Confidentiality

Both parties keep confidential all non-public information received in connection with an engagement. This obligation survives termination for 3 years. Exceptions: disclosure required by law, disclosure to professional advisers bound by confidentiality, and anonymised case studies with the client's explicit written permission. A mutual NDA is available on request before any documents are shared.

8. Data protection

We process personal data in accordance with the GDPR and Finnish data protection legislation, solely for delivering the services. See our Privacy Policy. Where submitted documents contain personal data, the client remains data controller and we act as processor (GDPR Article 28).

9. Independence

We perform all services independently and impartially. We conduct conflict-of-interest screening before accepting any engagement and maintain a conflict register. We will not hold design, construction, or project-management scope on any project we review. See our Independence Charter.

10. Liability

11. Termination

Either party may terminate with 30 days' written notice; immediate termination is available for material breach (with a 14-day cure period) or insolvency. Upon termination the client pays for work completed. Confidentiality, IP, and liability provisions survive.

12. Governing law

These terms are governed by the laws of Finland. Disputes are first addressed by good-faith negotiation; if unresolved within 30 days, they are submitted to the jurisdiction of the Finnish courts as specified in the engagement letter.


Questions about these terms: rickymknowles@gmail.com. The full General Terms of Business document, including definitions, is provided with every proposal and engagement letter.