The terms that apply when Bell Advisory provides paid advisory work.
Version 1.0 draft · 9 September 2026
Bell Advisory is provided by PSA Studio, operated by Paul Smith as a sole trader in Ayrshire, Scotland. References to “Bell Advisory”, “we” or “us” mean PSA Studio trading through Bell Advisory for the engagement.
The agreement is made up of the accepted proposal or engagement letter, these Terms of Business, and any document expressly incorporated by reference. Work starts when the proposal is accepted, unless the proposal states a later start date.
We will provide the services and deliverables described in the proposal. Anything outside that scope is not included unless we agree it in writing. If the scope changes materially, we will agree the effect on price and timing before doing the extra work.
You will provide reasonable access to the people, information, systems and premises needed for the work; ensure that information you give us is accurate to the best of your knowledge; and make decisions or approvals in a reasonable time where the work depends on them.
Our work is advisory. We will use reasonable care and skill and will base recommendations on the information available to us at the time. You remain responsible for business decisions, implementation choices and results after our advice is delivered. We do not provide legal, tax, accounting, HR, health-and-safety or regulated financial advice unless a proposal expressly says otherwise and the person providing it is appropriately qualified.
Fees and payment stages are stated in the proposal. Unless the proposal says otherwise, invoices are due within 14 days. Travel or third-party costs are only chargeable where the proposal says they are included or where you approve them in advance.
Dates depend on timely access, information and decisions from both sides. If something outside our reasonable control delays the work, we will tell you promptly and agree a revised plan. Neither side is responsible for delay caused by events outside its reasonable control.
Each side will keep the other’s non-public business information confidential and use it only for the engagement, except where disclosure is required by law or agreed in writing. This obligation continues after the engagement ends.
Each side is responsible for complying with applicable data-protection law for the personal data it controls. Where Bell Advisory processes personal data on your documented instructions as a processor, the parties will put in place the additional written terms required by UK data-protection law before that processing begins.
You keep ownership of material you provide. We keep ownership of our pre-existing methods, templates, tools and know-how. Once all fees for the engagement are paid, you may use the final deliverables for your own internal business purposes. We will not publish your confidential information or identify you as a client without permission.
Paid advisory work will not start until Bell Advisory has confirmed that appropriate professional indemnity cover is in place for the work being undertaken. Evidence of the applicable cover can be provided on request. This clause records a launch condition; it does not itself claim that cover has already been verified.
Nothing in these terms excludes or limits liability where the law does not allow that. Any agreed financial cap or project-specific allocation of liability will be stated in the proposal or engagement letter. Neither side will be liable to the other for indirect or consequential loss, or for loss arising from information the other side knew was materially inaccurate or incomplete, to the extent such limitation is lawful and reasonable.
Either side may end the engagement by written notice if the other commits a serious breach and does not put it right within a reasonable period after being asked to do so. Either side may also end an engagement for convenience if the proposal allows it. You will pay for work properly completed and approved non-cancellable costs incurred up to the end date.
If you are unhappy with the work, tell us as soon as possible so we can investigate and try to resolve it. Complaints can be sent to hello@belladvisory.co.uk or, if that address is unavailable, to privacy@psastudio.org.
These terms and each engagement are governed by the law of Scotland. The Scottish courts have jurisdiction, unless the parties agree another dispute-resolution process in writing.
The documents listed in section 2 form the whole agreement for the engagement and replace earlier discussions about that same scope. A change is effective only if agreed in writing by both sides.
Bell Advisory / PSA Studio
Ayrshire, Scotland
hello@belladvisory.co.uk