Website Terms

1. About 39 Financials

39 Financials is the trading name of Mr Harvee James Patterson-Flack, operating as a sole trader in the United Kingdom.

2. Using this website

By using this website, you agree to use it lawfully and in a way that does not interfere with the website, its security or the rights of others.

You must not knowingly introduce malicious software, attempt unauthorised access, interfere with the website's operation or use the website for unlawful purposes.

3. Information on this website

The information on this website is provided for general information about 39 Financials, our approach and the types of services we may provide.

Website content is not intended to constitute accounting, tax, legal, investment or other regulated professional advice tailored to your individual circumstances.

You should not rely on general website content as a substitute for advice or services agreed for your specific circumstances.

4. Services

Services described on this website may include support relating to:

• Xero setup, optimisation, training and system improvement;
• software integrations and migrations;
• software implementation;
• AI implementation and workflow improvement;
• process improvement and automation;
• finance systems and operational support;
• other agreed business support services.

The availability, scope, price and suitability of any service will depend on the individual engagement.

Nothing on this website guarantees that 39 Financials will accept a particular engagement or provide every service described in every circumstance.

5. Enquiries do not create a contract

Sending an enquiry, completing a contact form, exchanging messages or arranging an introductory discussion does not by itself create a client relationship or binding obligation to provide services.

Where work is agreed, the relevant scope, fees, responsibilities and other terms should be confirmed separately.

6. Client engagements

Paid work may be subject to separate proposals, scopes, engagement terms, statements of work or other written arrangements.

Where there is any conflict between these Website Terms and specific written terms agreed for a client engagement, the specific engagement terms will take priority in relation to that work.

7. No guaranteed outcome

39 Financials aims to provide practical and commercially useful support, but no particular financial, operational, technological or business result is guaranteed unless expressly agreed in writing.

Outcomes can depend on factors outside our control, including client decisions, third-party software, platform availability, data quality, internal processes and implementation by others.

8. Third-party software and services

This website and services provided by 39 Financials may refer to, integrate with or involve third-party software, platforms or service providers.

Those third parties operate under their own terms, policies and availability arrangements.

References to third-party products do not imply ownership, endorsement or control of those providers unless expressly stated.

9. Website availability

We aim to keep the website available and information reasonably accurate, but we do not guarantee that the website will always be uninterrupted, error-free or available.

Content, services and website functionality may be changed, updated or removed without prior notice.

10. Intellectual property

Unless otherwise stated, the content, branding, written material, design and original materials on this website belong to 39 Financials or are used with appropriate permission.

You may view and use the website for normal personal or business reference purposes.

You may not reproduce, republish, commercially exploit or present substantial parts of the website as your own without permission.

11. Links to other websites

This website may contain links to third-party websites or services.

39 Financials is not responsible for the content, security, availability or privacy practices of websites operated by third parties.

12. Liability

Nothing in these terms excludes or limits liability where it would be unlawful to do so.

Subject to that, 39 Financials is not responsible for loss arising solely from reliance on general information published on this website where no specific professional engagement or advice has been agreed.

Any liability relating to paid client work will be governed by the terms applicable to the relevant engagement.

13. Privacy and cookies

Our use of personal information is explained in our Privacy Notice.

Information about cookies and similar technologies is provided in our Cookie Policy.

14. Governing law

These Website Terms are governed by the laws of England and Wales.

Any dispute relating solely to the use of this website will be subject to the jurisdiction of the courts of England and Wales, except where applicable law requires otherwise.

15. Changes to these terms

These Website Terms may be updated from time to time as the website, business or applicable requirements change.

The latest version will be published here.

Last updated: 1 October 2026