Terms & Conditions and Complaints/Refund Policy
About Us
These Terms & Conditions govern the provision of identity verification services by Actarus Services Ltd trading as Identity-Check ("we", "us").
Registered in England & Wales under company number 07666197; registered office: 316 Wimbledon Central, 21-33 Worple Road, London, SW19 4BJ.
Trading names/sites: identity-check.co.uk; actarus.co.uk.
Authorised Corporate Service Provider (ACSP) number: AP006197. AML supervisory body: The Association of International Accountants (AIA), registration no. 411740. ICO registration number: ZA859424. Contact: accounts@actarus.co.uk · 07810 018 274.
1. Definitions
1.1 "Agreement" means these Terms & Conditions and any documents referenced in them.
1.2 "Customer" or "you" means the person purchasing the Services (e.g., a director, PSC, or their authorised representative).
1.3 "Services" means our identity verification services for Companies House under the Economic Crime and Corporate Transparency Act 2023 and related regulations.
1.4 "Verification Decision" means our outcome after completing checks (pass / fail / unable to verify).
1.5 "Working Day" means Monday to Friday, excluding public holidays in England and Wales.
2. Scope of Services
2.1 We perform identity verification in our capacity as an ACSP. This typically includes collecting identity information and documents, performing anti-money laundering (AML) and know-your-customer (KYC) checks, screening against sanctions/PEP lists, and submitting verification results to Companies House where applicable.
2.2 We do not provide legal advice or tax advice. Our role is limited to identity verification and associated AML/KYC checks.
2.3 We may refuse to provide the Services where required by law or our risk policies (e.g., suspected fraud, sanctions match, or incomplete information).
3. Eligibility and Customer Obligations
3.1 You must be at least 18 years old and legally capable of entering into contracts.
3.2 You must provide complete, accurate and up-to-date information and promptly respond to our requests. We may require liveness checks, certified copies, or additional evidence in line with AML requirements.
3.3 You warrant that any documents supplied are genuine and obtained lawfully. Supplying false information may be a criminal offence.
4. Fees, Taxes and Payment
4.1 Our fee for standard director verification is £60 + VAT per person, unless otherwise agreed in writing.
4.2 Fees are payable in advance. We may withhold the Services until payment clears.
4.3 If additional checks are required (e.g., manual review, certified translations, out-of-band verification), we will notify you of any extra costs before proceeding.
5. Turnaround and Delivery
5.1 Indicative turnaround is within 24 hours of receiving all required information, but times are not guaranteed.
5.2 We will notify you of the Verification Decision. Where applicable, we will submit verification results to Companies House, but final acceptance/processing by Companies House is outside our control.
6. Consumer Cancellations (Distance Contracts)
6.1 If you are a consumer, you may have a 14-day right to cancel under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.
6.2 By asking us to begin the Services during the cancellation period, you acknowledge that: (a) you will pay for Services performed up to cancellation; and (b) once the Services are fully performed, your right to cancel is lost.
7. Outcomes and Limits
7.1 A "pass" Verification Decision means we have satisfied our checks; it does not guarantee any decision by Companies House or other authorities.
7.2 A "fail" or "unable to verify" outcome may arise where documents are inadequate, inconsistent, expired, or where risk thresholds are not met.
7.3 We are not responsible for delays or outcomes caused by third parties (e.g., Companies House systems, credit reference agencies, sanctions list providers).
8. Data Protection and Record Keeping
8.1 We act as a controller for personal data processed to deliver the Services. We process data in accordance with UK GDPR and the Data Protection Act 2018.
8.2 We retain AML/KYC records for the statutory minimum period (currently seven years from the end of the customer relationship) and then securely delete them, subject to any legal holds.
8.3 Security: we use TLS for data in transit and encrypted storage at rest; access is role-based and limited to staff who need it. For more details, see our Privacy Notice at https://www.identity-check.co.uk/privacy.
8.4 For data protection queries or to exercise rights, contact accounts@actarus.co.uk. You have the right to lodge a complaint with the ICO (www.ico.org.uk).
9. Refund Policy
9.1 Full refund: if you cancel before we start any checks (no data screening, no document review), we will refund the fee in full.
9.2 Partial refund: if we have started checks but no Verification Decision has been issued, we will refund the fee less a £15 administration charge and any irreversible third-party costs.
9.3 No refund: once a Verification Decision has been issued (pass/fail/unable to verify), or where you fail to provide requested information within 30 days of our request.
9.4 Duplicated payments or our billing error will be refunded in full.
10. Complaints Policy
10.1 We aim to resolve issues quickly and fairly. Please email complaints to accounts@actarus.co.uk with your name, contact details, and a clear description of the issue.
10.2 Acknowledgement: we will acknowledge your complaint within 2 Working Days.
10.3 Investigation & Response: we will investigate and provide a written response within 10 Working Days, or explain if more time is required.
10.4 Escalation: if you are not satisfied, you may request escalation to a senior manager for a final review, normally within a further 10 Working Days.
10.5 Data protection complaints may also be raised with the ICO. Matters relating to AML supervision can be raised with our supervisory body as applicable.
11. Liability
11.1 Nothing in this Agreement limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be limited by law.
11.2 Subject to 11.1, our total aggregate liability arising out of or in connection with the Services is limited to the higher of (a) £200 or (b) 100% of fees paid for the affected Service.
11.3 We are not liable for: (a) indirect or consequential loss; (b) loss of profits, business, goodwill, or data; (c) delays or failures due to events beyond our reasonable control.
12. Termination
12.1 We may terminate or suspend the Services immediately where required by law, due to risk concerns, non-payment, or material breach by you.
12.2 On termination, we may retain records as required by law and will process any refunds in accordance with Section 9.
13. Changes to these Terms
13.1 We may update these Terms to reflect legal, regulatory or operational changes. Material changes will be effective on posting to our website.
14. Governing Law and Jurisdiction
14.1 This Agreement and any dispute or claim arising out of or in connection with it shall be governed by the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction.
15. Contact
Email: accounts@actarus.co.uk | Phone: 07810 018 274 | Website: https://www.identity-check.co.uk | Postal: 316 Wimbledon Central, 21-33 Worple Road, London, SW19 4BJ