NWW LOCAL INVESTMENT FUND INFORMATION GUIDE

Size: px
Start display at page:

Download "NWW LOCAL INVESTMENT FUND INFORMATION GUIDE"

Transcription

1 NWW LOCAL INVESTMENT FUND INFORMATION GUIDE PUBLISHED JANUARY 2013 This version supersedes all previous versions, copies of which should now be destroyed.

2 SECTION A KEY FACTORS Introduction The North West Wales Local Investment Fund (NWW LIF) is a flexible business support scheme that aims to assist the growth and expansion of local businesses (including, but not limited to high growth sectors), by providing a discretionary focused financial support package for new and existing businesses. The scheme offers funding of up to 40% on eligible capital expenditure for projects with awards offered of between 1,000 and 5,000. Consideration can be given to award funding up to 9,999 where there is evidence of job creation within the project. Please note that the award is discretionary and dependent upon availability of funds and projected outputs within the individual counties. NWW LIF is an EU Convergence project led by the Isle of Anglesey County Council on behalf of the four North West Wales Counties, Conwy, Denbighshire and Gwynedd and is part funded through the European Regional Development Fund (ERDF). Eligibility Factors The scheme is targeted at small and medium sized enterprises (employing up to 250 people) with either a turnover at less than 50 million or a balance sheet at less than 43 million. To be eligible to receive investment support, businesses must be located in the Counties of Anglesey, Gwynedd, Conwy or Denbighshire. To be considered, your project must meet one or more of these objectives: Job Creation Establishing a New Business / Enterprise Increasing Turnover Establishing a New Social Enterprise Additional factors which will strengthen your application will be:

3 Sustaining Jobs Increasing competitiveness Stimulating further investment/growth Aiding business growth Making efficiency gains Increasing sustainability Introducing new products, services or markets Ineligible Sectors As the grant is part funded through the European Regional Development Fund (Convergence), businesses will need to be eligible for funding under this scheme. There are certain sectors/activities which are deemed ineligible for EU funding and these include:- Coal/Steel Shipbuilding Synthetic fibres production Activities which fall under the remit of other EU Programmes, e.g. Rural Development/European Fisheries Banks Insurance companies Housing Statutory education Health services Sport/leisure/recreation activities Fisheries/aquaculture/agriculture and Annex 1food production/milk substitutes/export related activities Critical Factors to Note Displacement LIF cannot support projects which cause displacement, i.e. provide an unfair advantage over local competitors. Quotations For items costing 3,000 or less, a single quotation per supplier will be acceptable. Please note that Denbighshire County Council has reserved the right to continue to request 3 quotes on all eligible expenditure.

4 Repeat Applications An applicant requesting further LIF funding will only be eligible for consideration if they can demonstrate Job Creation within their proposed project. Business in a Welsh Government (WG) Priority Sector Please note all requests for support from a business in a WG priority sector and not in-receipt of Business Support from Business Wales will be referred to the Welsh Government for initial consideration regardless of the amount of grant requested. WG Key Sector o Creative industries o Information, Communication and Technology (ICT) o Energy and Environment o Advanced materials and manufacturing o Life Sciences o Financial and Professional services o Food and Farming o Construction o Tourism LIF Applications in excess of 9,999 In exceptional circumstances NWW LIF will accept Expression of Interest (EOI) Forms requesting funding in excess of 9,999, where there are demonstrable job outputs within the proposed project. The following minimum criteria are identified as guidance only: 10k- 14,999k = 2 jobs created 15k- 19,999k = 3 jobs created 20k- 24,999k = 4 jobs created 25k- 29,999k = 5 jobs created 30k- 35,000k = 6 jobs created In these instances the EOI will be referred to the Welsh Government for initial consideration. If deemed eligible for LIF, the Full Application, at submission stage, will be referred to an external consultant for an evaluation where the key findings and recommendations will be submitted along with the full application to the Council.

5 Cash Purchases No funding will be paid where cash transactions have been undertaken. Retrospection No funding will be paid on any retrospective expenditure. For further guidance, please contact your local Project Officer. Making an Application Step 1 - Expression of Interest SECTION B GRANT PROCESS Prospective applicants are initially requested to complete an Expression of Interest (EOI) form which can be obtained from your NWW LIF Project Officer, Business Wales or alternatively via the LIF Cymru website. All prospective applicants are advised to be in receipt of business advice and will need to submit evidence of this with the application. If you do not currently have a business advisor, you should contact Business Wales for free advice and assistance in preparing your application and / or for further business information and support. If applying for the LIF where the business is in one of the Welsh Government s 9 Priority Sector then the EOI will be referred to the Welsh Government for initial consideration. The completion of the EOI form will provide the local Authority with brief details about your business, together with an overview of your proposed project, funding requirements and previous public sector financial support received over the past three years. The information provided within your EOI form will enable the local Authority to make a decision on the eligibility of the application. If deemed successful you will be informed by letter and invited to submit a full application.

6 Step 2 Full Application It is important to ensure that your application form is fully completed and that all supporting documentation is included at the time of submitting. This includes: Current Business Plan Accounts for 2 years (if applicable) Copy of recent Bank Statement Projected Cash Flow & Profit & Loss Statement Confirmation of Source of Finance which is part of financing the project Confirmation of Planning Permission and / or Building Regulations (if applicable) including Change of Use. Original estimates / quotes for project All Statutory Legal Requirements for the Business (if applicable) Failure to comply could delay a decision. Please note that the approval timescale does not commence until such time as all the documentation required is received by the Local Authority. Applicants should be aware that the funding will only be offered where it has been clearly demonstrated that without such financial support the project will not proceed either on the scale envisaged or within a reasonable timescale. The Council may withdraw an offer where a project is not being implemented in accordance with the application or where there is an unacceptable delay. You are reminded at this stage not to undertake any expenditure on the project until a formal decision has been reached on the bid and written confirmation of this has been received. Please read carefully all the information and guidance provided and in particular note and understand all aspects of the application form and guidelines relating to the awarding of the LIF. In particular you should be aware that: No funding will be paid on retrospective expenditure No funding will be paid where cash transactions have been undertaken

7 Processing Your Application On receipt of your full application form the Council will:- Check that all the details provided are in order and if not inform you/your Business Advisor of what further information is required. Undertake consultation which may include: o A bank reference o A search with a credit reference agency in relation to your business. The agency will keep a record of that search and may share that information with other agencies. o Make enquiries with respect to company director(s) with a credit reference agency. Refer the application to the Grants Panel for a decision. Each application shall be considered on merit and in accordance with the scheme s aims and objectives. Advising of the decision You will be informed of the decision by letter. If successful you will be advised of the amount of funding offered and any specific conditions relating to the award. Attached to the letter will be the Terms & Conditions contract that you must adhere to. This has to be signed and returned within 28 days as acceptance of the funding offer. Making a Claim When submitting a claim, proof of expenditure will be required. This must include all relevant receipted accounts/invoices (invoices must not pre-date the signed and returned offer letter/contract). Copies of corresponding bank statements showing payments going out of the company s accounts will also be required. In the event that you have paid by means of credit cards, or similar, evidence shall be required that you have reimbursed the card company in full. No cash transactions will be accepted as part of a claim. The Council will satisfy itself that the activity for which the funding was awarded (works undertaken or purchases made) has been carried out fully in accordance with the proposal made within the application and any conditions attached to the approval. This may be by inspection or such other means as the Council determines. When all the above is completed the Council will release the funding to your Business Bank Account by means of BACS payment.

8 Monitoring During the 3 year funding compliance period the Council, or its agents, may visit your premises in order to carry out a monitoring inspection of the business and LIF funded aided assets. On projects that have stated job creation as an output, the Council shall require evidence of the employment factors, which may include the following: Payroll records (Pre and Post Award) Contract of Employment Initial Dated Payslip HMRC PAYE Online Services P60 Certificate Please note that records can be anonymised when the names of individuals are included in the record. For all other projects, either evidence of increase in turnover or evidence in how the LIF award has impacted the business must be demonstrated by the applicant. SECTION C- LIF CONDITIONS 1. All businesses must be financially viable. 2. The business complies with all appropriate regulatory requirements, enforcement policies and service standards applicable to its business sector, including registration with the Inland Revenue for tax purposes. 3. You should apply to the Council within which your project is to take place. If your project will be spread across more than one of the four Counties covered by LIF, you should apply to the County in which your main base is located and make the situation clear at the time of application. Projects which include elements outside these four Counties cannot be considered for funding. 4. You must provide three competitive quotations for all proposed purchases in excess of 3,000 per supplier. Please note that DCC reserve the right to request three competitive quotations for all proposed purchases per supplier irrelevant of cost. Where the project includes building or adaptation work of any description such quotations will be required from competent building contractors. All electrical work must be carried out by a NICEIC or similarly approved contractor.

9 5. The Council reserves the right to contact any of the businesses submitting quotations in support of a bid, if clarification is required. 6. You will not receive funding for any part of the project undertaken by yourself or your business (whether wholly or part owned). The Council must be informed of any personal, family or business connection between you/your agent and a supplier/contractor. 7. It is your responsibility to ensure that planning permission and all other relevant statutory permissions have been obtained / complied with before your application is submitted. You will need to submit evidence of this. Your business or works must also obtain and comply with any other relevant licenses/permits/requirements, e.g. Health & Safety, and the asset(s) must not be used, or permitted to be used, contrary to law or any regulation/bye-law at the time being in force. Funding approval related to expenditure only and does not convey approval of any other kind. No work whatsoever should commence on any building until the required approvals have been obtained. 8. Monies cannot be paid for work that has already commenced or equipment already bought. 9. You should not be significantly in arrears with any payments due to the Council. Where you or your business is locating into the area, the Council may also make appropriate checks with partner authorities. 10. The Council may check whether you have a County Court Judgment. 11. In the case of a project involving refurbishment/adaptation works to a building held on lease, the remaining period of the lease, on the day of receipt of the application, must be for a minimum of 5 years. Evidence of the landlord s approval shall also be required. 12. The following costs are ineligible for funding support: Purchase of Land and/or Property Purchase of On-Road Vehicles Professional Fees Purchase or Installation of Ornamental Features, e.g. Murals, Flower beds, Statues. Residential Accommodation Non-Capital Marketing Costs General Repairs, Maintenance and/or Running Costs Projects being undertaken solely to comply with Statutory Regulations Staff Costs

10 Recoverable VAT Stock purchases Acquisition of assets under Hire Purchase (HP),Extended Credit Agreements or Lease 13. Any signage for which LIF funding is given must be bilingual (Welsh/English) 14. You are responsible for ensuring that any rates, assessments, charges or other outgoings payable in respect of the project are defrayed. 15. The Council's authorised agent must be permitted at all reasonable times to enter upon the premises and view the state and condition of the asset(s) and inspect/examine any books, records or documents relevant to the project. 16. You must not assign, demise, under let or otherwise part with possession of the whole or any part of the asset(s). 17. You will need to insure the LIF aided asset(s), and keep them insured, against loss or damage, to the full replacement value. If damage occurs during the grant contract period and in the opinion of the insurer it is not economic for such damage to be made good, all insurance monies payable shall be applied in making good the loss or damage. All premiums are to be paid and you should produce the receipts to the Council if requested. You must also do everything necessary to maintain the insurance cover in full effect and not do anything whereby the cover may be invalidated. 18. LIF money will be paid out subject to: The completion of a project involving building work and certification by the Building Control Section (or similar) of the Council that the work is satisfactory. The submission to the Council of relevant supporting documentation. 19. Where job creation is part of the award evidence of employment must be provided. For LIF purposes a 'new job' is any full time post in the business in whichever capacity, a new self-employed job or jobs created by a business locating into the County. Full time means a minimum 30 hrs. per week. Two part- time posts with hours totalling 30 per week or more may be accepted as one full time job equivalent. 20. New businesses must trade for a minimum of 30hrs per week.

11 21. You must agree not to do, or omit to do, or suffer to be done, anything which may cause the asset(s) to be forfeited or repossessed or may endanger this. 22. It is acceptable to buy plant, machinery or equipment second hand, on condition that the price is fair and that it is not the subject of previously funded EU Monies. 23. The Council reserves the right to publicise the awarding of the LIF award. 24. Any press or media coverage arranged by you relating to the project should include a reference to the Council and European Union financial assistance. This also relates to any marketing / website facilities supported by LIF. 25. Once a LIF award has been approved no additional items can be included in the claim unless agreed by the Council. If the total expenditure is less than previously predicted (project cost within bid) the award will be reduced pro rata. VAT can be claimed if applicant is not VAT registered. The Council must be informed of any change in the project and written approval obtained for such change. 26. During the 3year contract period the Council may visit your premises in order to carry out a monitoring inspection of the business and LIF aided asset(s). 27. The awarding of the LIF is discretionary and the Council's decision is final.

12 CONTACT DETAILS Dafydd Roberts / Bethan Watkin Hughes / drrpl@anglesey.gov.uk bwhpl@anglesey.gov.uk Heather Thomas heather.thomas@conwy.gov.uk Kirsty Davies kirsty.huttondavies@denbighshire.gov.uk Selwyn Williams robertselwynwilliams@gwynedd.gov.uk Busnes Cymru Anglesey & Gwynedd Conwy Denbighshire

Part of the Holyhead 2020 Regeneration Programme Working in Partnership with Welsh Government

Part of the Holyhead 2020 Regeneration Programme Working in Partnership with Welsh Government Holyhead Investment Fund Part of the Holyhead 2020 Regeneration Programme Working in Partnership with Welsh Government !!!!!!!!!!!"#$%"&'(!)*+,'-.!'-(!)*'+$&!/$'0&1!,&2&-&,'.*#-!/,#2,'33&! 45-(&(!+%!."&!6&$1"!2#)&,-3&-.7!'(3*-*1.&,&(!+%!*1$&!#4!'-2$&1&%!0#5-.%!

More information

Leasing Commercial Premises

Leasing Commercial Premises Leasing Commercial Premises We have prepared these notes for individuals, firms and companies who are thinking of leasing business premises. They are for general guidance only and do not contain specific

More information

BROADBAND CONNECTION VOUCHER SCHEME GUIDANCE NOTES

BROADBAND CONNECTION VOUCHER SCHEME GUIDANCE NOTES BROADBAND CONNECTION VOUCHER SCHEME GUIDANCE NOTES The Broadband Connection Voucher Scheme has been established to assist businesses and third sector organisations to meet the upfront capital costs of

More information

Gwynedd Loan Fund Information Guidelines For Prospective Applicants

Gwynedd Loan Fund Information Guidelines For Prospective Applicants Gwynedd Loan Fund Information Guidelines For Prospective Applicants Application forms can be obtained by contacting the Gwynedd Council Business Support Team on 01286 679778 or by e-mail: business@gwynedd.gov.uk

More information

www.localenterprise.ie/clare

www.localenterprise.ie/clare Lets talk Business.. 1 ONLINE TRADING VOUCHERS With the trend ever increasing towards online spending it is estimated that only 23% of small Irish businesses are engaged in any meaningful way in ecommerce

More information

Ultrafast Connectivity Voucher Scheme

Ultrafast Connectivity Voucher Scheme Ultrafast Connectivity Voucher Scheme Eligiblity Criteria & Scheme Conditions The Superfast Cymru programme is delivering superfast broadband across Wales by 2016 to bring the benefits of superfast broadband

More information

Russell & Butler TENANTS INFORMATION SHEET

Russell & Butler TENANTS INFORMATION SHEET TENANTS INFORMATION SHEET Please keep this simple guide to hand as a reference when looking to apply for a Tenancy through Russell and Butler Ltd. We also attach a copy of our Tenants Fees. Once you have

More information

Draft CAT2 standard terms and conditions for capital grants

Draft CAT2 standard terms and conditions for capital grants Draft CAT2 standard terms and conditions for capital grants 1. If any part of the capital grant is to buy or build, refurbish, extend or alter buildings or land ( capital assets ), then we understand that

More information

www.localenterprise.ie

www.localenterprise.ie Lets talk Business.. 1 ONLINE TRADING VOUCHERS With the trend ever increasing towards online spending it is estimated that only 23% of small Irish businesses are engaged in any meaningful way in ecommerce

More information

LANDLORD S PROPERTY MANAGEMENT AGREEMENT

LANDLORD S PROPERTY MANAGEMENT AGREEMENT LANDLORD S PROPERTY MANAGEMENT AGREEMENT I/We confirm that we have read and understood the terms of the Agreement, and wish to instruct the Agent on that basis. I have paid 1 in consideration of this agreement.

More information

Small Business Charter Growth Vouchers Programme. Terms and conditions - 1 - OCTOBER 2014

Small Business Charter Growth Vouchers Programme. Terms and conditions - 1 - OCTOBER 2014 Small Business Charter Growth Vouchers Programme Terms and conditions OCTOBER 2014-1 - Contents Contents 2 Terms and Conditions of Participation 3 Rules and Responsibilities 4 De Minimis Rules 6 Data Protection

More information

Eligible Capital Expenditure Guidelines. for projects funded by the. National Transport Authority

Eligible Capital Expenditure Guidelines. for projects funded by the. National Transport Authority Eligible Capital Expenditure Guidelines for projects funded by the National Transport Authority Version: April 2012 Table of Contents 1. Introduction... 3 2. Purpose... 3 3. Applicability of Guidelines...

More information

HB11b - Housing Benefit and Council Tax Support Self Employed Earnings Information

HB11b - Housing Benefit and Council Tax Support Self Employed Earnings Information Benefit Service PO Box 2, Forde House Newton Abbot, TQ12 4YR Phone: 01626 215078 Fax: 01626 215538 Email: revandbens@teignbridge.gov.uk HB11b - Housing Benefit and Council Tax Support Self Employed Earnings

More information

BESPOKE EMX 08043. Guidance for SME s

BESPOKE EMX 08043. Guidance for SME s Guidance for SME s What is BESPOKE? Who can apply? 1. Business size & location 2. Eligible business sectors 3. State Aid requirements 4. Eligible improvement works 5. Conditions of Funding What do I need

More information

EXPLANATORY NOTES & CONDITIONS

EXPLANATORY NOTES & CONDITIONS ON FARM SCHEME OF GRANT AID FOR THE DEVELOPMENT OF THE ORGANIC SECTOR EXPLANATORY NOTES & CONDITIONS It is important to read the Explanatory Notes and Conditions before making application under this Scheme

More information

AUDIT COMMITTEE 19 MARCH 2014

AUDIT COMMITTEE 19 MARCH 2014 AUDIT COMMITTEE 19 MARCH 2014 AGENDA ITEM 11 Subject: Report by: ITEMS TO BE BROUGHT TO MEMBERS ATTENTION, OUTSTANDING HIGH RISK RECOMMENDATIONS, INTERNAL AUDIT REPORTS INCLUDING HIGH RISK RECOMMENDATIONS,

More information

Commercial Terms of Business Agreement

Commercial Terms of Business Agreement Commercial Terms of Business Agreement The purpose of this document is to set out our professional relationship and the services we will provide to you. This is our standard client agreement upon which

More information

SERVICE CHARGES and other issues

SERVICE CHARGES and other issues SERVICE CHARGES and other issues Contents Introduction...3 Service charges...3 The law...7 Consultation....9 Service charges: summary and conclusions.... 13 Administration charges...14 Insurance.....................................

More information

DRAFT PROCUREMENT AND TENDERING PROCEDURES. (Revised October 2006)

DRAFT PROCUREMENT AND TENDERING PROCEDURES. (Revised October 2006) DRAFT PROCUREMENT AND TENDERING PROCEDURES (Revised October 2006) Contents Page 1. Purpose of Document 2 2. Objectives of Procedures 2 3. Procurement of Supplies and Services 2 4. Invoice Processing 4

More information

Sole Trader Guide. A complete accountancy service for the small business across the United Kingdom

Sole Trader Guide. A complete accountancy service for the small business across the United Kingdom Sole Trader Guide A complete accountancy service for the small business across the United Kingdom What is a sole trader A sole trader business (being self-employed) is the most simple business type and

More information

4. Financial assistance for investors: Grants and incentives

4. Financial assistance for investors: Grants and incentives 4. Financial assistance for investors: Grants and incentives An introduction from the UK Department for Business, Enterprise and Regulatory Reform There is growing interest from international companies

More information

How commercial property can work well with your Active Money SIPP. Your guide to commercial property and your Self Invested Personal Pension

How commercial property can work well with your Active Money SIPP. Your guide to commercial property and your Self Invested Personal Pension How commercial property can work well with your Active Money SIPP Your guide to commercial property and your Self Invested Personal Pension Contents 01 The potential benefits and risks of commercial property

More information

Financial Advice Guide for your Business

Financial Advice Guide for your Business Financial Advice Guide for your Business Contents Section 1: Section 2: Section 3: Section 4: Section 5: Section 6: Talk to your bank Reviewing your business for the future Managing your business today

More information

STITT & C Ọ SOLICITORS 11 Gough Square, London EC4A 3DE Tel: 020 7832 0840 Fax: 020 7832 0865 email: info@stitt.co.uk

STITT & C Ọ SOLICITORS 11 Gough Square, London EC4A 3DE Tel: 020 7832 0840 Fax: 020 7832 0865 email: info@stitt.co.uk STITT & C Ọ SOLICITORS 11 Gough Square, London EC4A 3DE Tel: 020 7832 0840 Fax: 020 7832 0865 email: info@stitt.co.uk TERMS OF ENGAGEMENT 1. Service Commitment We aim to offer our clients quality legal

More information

Application form. Application Checklist. Application process. Eligibility criteria. Energy Saving Scotland Small Business Loans

Application form. Application Checklist. Application process. Eligibility criteria. Energy Saving Scotland Small Business Loans Energy Saving Scotland Small Business Loans ESSSBL0512 Helping Scottish businesses reduce their energy costs Application form Eligibility criteria The scheme is aimed at Scottish businesses that fall within

More information

Residential Long Leaseholders. A guide to your rights and responsibilities

Residential Long Leaseholders. A guide to your rights and responsibilities Residential Long Leaseholders A guide to your rights and responsibilities Contents Introduction 5 1 2 3 4 5 6 7 8 9 10 11 Leasehold flats & houses A summary of your rights & responsibilities 7 Leasehold

More information

Heritage Grants - Receiving a grant

Heritage Grants - Receiving a grant Heritage Grants - Receiving a grant Mentoring and monitoring; Permission to Start; and December 2013 If you require a copy of this guidance in an alternative format (large print, Braille or audio version),

More information

Client Information. Terms & Conditions. www.nockolds.co.uk

Client Information. Terms & Conditions. www.nockolds.co.uk Client Information Terms & Conditions? www.nockolds.co.uk 1. Introduction As from 1 June 2012 all work we do for you is governed by these terms of business. Attached to these terms is a letter that contains

More information

H 7. Factoring Policy. If you require this policy in a different format please ask a member of staff. Date of Approval Oct 12 Review Due Dec 15

H 7. Factoring Policy. If you require this policy in a different format please ask a member of staff. Date of Approval Oct 12 Review Due Dec 15 H 7 Factoring Policy If you require this policy in a different format please ask a member of staff Date of Approval Oct 12 Review Due Dec 15 1.0 The Association s Objective 1.1 Elderpark Housing Association

More information

Starting Your Business

Starting Your Business THE SMALL BUSINESS START-UP SCHEME The Small Business Start-Up Scheme. 2 The Course... 3 Financial Assistance... 5 Eligibility... 6 Summary... 7 Disclaimer... 8 Application Form... 9 Questions... 9 Starting

More information

PPI Customer Information Handbook

PPI Customer Information Handbook PPI Customer Information Handbook 1 Contents 1. Welcome - Page 3 2. What Happens Next - Page 4 3. Terms & Conditions - Pages 5-12 4. Complaints Handling Procedure - Page 13 5. Cancellation Procedure -

More information

CAPITAL WORKS GUIDANCE DOCUMENT

CAPITAL WORKS GUIDANCE DOCUMENT COMMUNITY BUILDINGS TRANSFER PROGRAMME CAPITAL WORKS GUIDANCE DOCUMENT This document has been prepared to assist and advise management groups of community buildings who are involved in Durham County Council

More information

The Real Estate Loan and Equity Release Schemes

The Real Estate Loan and Equity Release Schemes Housing Assistance Policy (Loans) 1 1.0 Introduction...3 2.0 Background...3 3.0. Research into the potential demand for equity release / loan schemes...4 4.0. The loan scheme...5 5.0 Eligibility for grant

More information

Baqqa Limited. Terms and Conditions

Baqqa Limited. Terms and Conditions Baqqa Limited Terms and Conditions July, 2015 1 This Agreement between the Customer and Baqqa Ltd for the engagement of Baqqa s services, is governed by the terms and conditions as set out below. 1. Definitions

More information

inspect and estimate the rental value of your premises advertise and market as may be necessary

inspect and estimate the rental value of your premises advertise and market as may be necessary TERMS & CONDITIONS FOR LANDLORDS OF RESIDENTIAL ACCOMMODATION SUMMARY OF SERVICES A: LETTING ONLY we will inspect and estimate the rental value of your premises advertise and market as may be necessary

More information

SOLE TRADER & SELF EMPLOYMENT GUIDE

SOLE TRADER & SELF EMPLOYMENT GUIDE Sipher Accounting & Tax Chartered Certified Accountants and Business Advisers Email: info@sipheraccounting.com Website: www.sipheraccounting.com SOLE TRADER & SELF EMPLOYMENT GUIDE SIPHER ACCOUNTING &

More information

INDUSTRIAL INSPECTORATE ACT CAP. 180 L.F.N. 1990 ACT CAP I8 L.F.N. 2004. 1. Establishment and composition of Industrial Inspectorate Division.

INDUSTRIAL INSPECTORATE ACT CAP. 180 L.F.N. 1990 ACT CAP I8 L.F.N. 2004. 1. Establishment and composition of Industrial Inspectorate Division. Visit http://www.jewngr.wordpress.com for more downloads INDUSTRIAL INSPECTORATE ACT CAP. 180 L.F.N. 1990 ACT CAP I8 L.F.N. 2004 ARRANGEMENT OF SECTIONS Section 1. Establishment and composition of Industrial

More information

KEY GUIDE. Setting up a new business

KEY GUIDE. Setting up a new business KEY GUIDE Setting up a new business The business idea Some of the decisions and actions that you take when starting a business can have significant effects for some time. The foundations you put in place

More information

VAT guide should I register for VAT?

VAT guide should I register for VAT? VAT guide should I register for VAT? associates ltd Should I register for VAT? This guide will give you an understanding as to whether you should register, what the various schemes are for small businesses

More information

TT ELECTRONICS INTEGRATED MANUFACTURING SERVICES LIMITED CONDITIONS OF PURCHASE

TT ELECTRONICS INTEGRATED MANUFACTURING SERVICES LIMITED CONDITIONS OF PURCHASE TT ELECTRONICS INTEGRATED MANUFACTURING SERVICES LIMITED CONDITIONS OF PURCHASE DEFINITIONS In these conditions of purchase: the Buyer means TT electronics integrated manufacturing services Ltd., the Supplier

More information

Section 10. How to Claim Grant. Note 5: How to complete the Claim Form 10.3. Scottish Forestry Grants Scheme delivering the Scottish Forestry Strategy

Section 10. How to Claim Grant. Note 5: How to complete the Claim Form 10.3. Scottish Forestry Grants Scheme delivering the Scottish Forestry Strategy Section 10 How to Claim Grant Note 5: How to complete the Claim Form 10.3 Scottish Forestry Grants Scheme delivering the Scottish Forestry Strategy SFGS You can claim grant once you have completed the

More information

KEY GUIDE. Setting up a new business

KEY GUIDE. Setting up a new business KEY GUIDE Setting up a new business The business idea You have a business idea, but can you turn it into a viable enterprise? Is there a market for the goods you will produce or the services you will supply?

More information

Standard conditions of purchase

Standard conditions of purchase Standard conditions of purchase 1 OFFER AND ACCEPTANCE 2 PROPERTY, RISK & DELIVERY 3 PRICES & RATES The Supplier shall provide all Goods and Services in accordance with the terms and conditions set out

More information

ROYAL MALAYSIAN CUSTOMS GOODS AND SERVICES TAX GUIDE ON VALUERS, APPRAISERS AND ESTATE AGENTS

ROYAL MALAYSIAN CUSTOMS GOODS AND SERVICES TAX GUIDE ON VALUERS, APPRAISERS AND ESTATE AGENTS ROYAL MALAYSIAN CUSTOMS GOODS AND SERVICES TAX GUIDE ON VALUERS, APPRAISERS AND ESTATE AGENTS CONTENTS INTRODUCTION... 1 Overview of Goods and Services Tax (GST)... 1 GST AND VALUERS, APPRAISERS AND ESTATE

More information

Essex Recruitment Services: Terms of Engagement of Limited Company Contractors to Supply Workers to Clients (Opted Out) 1. Definitions 1.

Essex Recruitment Services: Terms of Engagement of Limited Company Contractors to Supply Workers to Clients (Opted Out) 1. Definitions 1. Essex Recruitment Services: Terms of Engagement of Limited Company Contractors to Supply Workers to Clients (Opted Out) 1. Definitions 1.1 In these terms of engagement the following definitions apply:-

More information

Tariff of Mortgage Charges

Tariff of Mortgage Charges Tariff of Mortgage Charges Tariff of Charges for Mortgages 1st January 2015 Hinckley & Rugby Building Society charges mortgage applicants and borrowers for a variety of services and facilities relating

More information

TERMS AND CONDITIONS OF BUSINESS PLEASE NOTE: A LARGE PRINT VERSION OF THIS DOCUMENT IS AVAILABLE ON REQUEST

TERMS AND CONDITIONS OF BUSINESS PLEASE NOTE: A LARGE PRINT VERSION OF THIS DOCUMENT IS AVAILABLE ON REQUEST TERMS AND CONDITIONS OF BUSINESS PLEASE NOTE: A LARGE PRINT VERSION OF THIS DOCUMENT IS AVAILABLE ON REQUEST 1. THE FIRM Pothecary Witham Weld is authorised and regulated by the Solicitors Regulation Authority

More information

Table of Contents. 1 P a g e

Table of Contents. 1 P a g e Table of Contents Financial Regulations 2 General... 2 Accounting Procedures... 2 Internal Audit... 3 Budget Planning And Preparation... 3 Power To Incur Expenditure Within Approved Estimates... 4 Budget

More information

Ministry Of Finance VAT Department. VAT Guidance for on the Treatment of Motor Vehicles Version 4: November 1, 2015

Ministry Of Finance VAT Department. VAT Guidance for on the Treatment of Motor Vehicles Version 4: November 1, 2015 Ministry Of Finance VAT Department VAT Guidance for on the Treatment of Motor Vehicles Version 4: November 1, 2015 Introduction This guide is intended to provide those selling or hiring vehicles by way

More information

Guide to the Debt Recovery Process

Guide to the Debt Recovery Process Guide to the Debt Recovery Process How it works, and what we The debt recovery process can seem confusing and daunting. We aim to simplify it as much as we can, and to make clear from the outset what we

More information

1. WHAT YOUR ANNUAL BUSINESS SURVEY FORM SHOULD COVER: Please read the accompanying notes before completing your return 2.

1. WHAT YOUR ANNUAL BUSINESS SURVEY FORM SHOULD COVER: Please read the accompanying notes before completing your return 2. 1. WHAT YOUR ANNUAL BUSINESS SURVEY FORM SHOULD COVER: This survey covers the United Kingdom activity of businesses (including foreign owned businesses) except where the coverage is specified as Great

More information

SIPHER ACCOUNT- ING & TAX SOLE TRADER & SELF-EMPLOYMENT GUIDE. Our prices start at 95 for personal tax returns and 250 for sole trader accounts

SIPHER ACCOUNT- ING & TAX SOLE TRADER & SELF-EMPLOYMENT GUIDE. Our prices start at 95 for personal tax returns and 250 for sole trader accounts Our prices start at 95 for personal tax returns and 250 for sole trader accounts SIPHER ACCOUNT- ING & TAX SOLE TRADER & SELF-EMPLOYMENT GUIDE Specialists advice for: Dentists; Doctors; Plumbers; Cab drivers;

More information

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with?

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with? Terms of Business The Financial Conduct Authority is the independent watchdog that regulates financial services. Contained in this document is information which the Financial Conduct Authority requires

More information

JRI S STANDARD TERMS OF PURCHASE. Business Day: a day (other than a Saturday, Sunday or public holiday) when banks in London are open for business.

JRI S STANDARD TERMS OF PURCHASE. Business Day: a day (other than a Saturday, Sunday or public holiday) when banks in London are open for business. JRI S STANDARD TERMS OF PURCHASE 1. INTERPRETATION 1.1 Definitions. In these Conditions, the following definitions apply: Business Day: a day (other than a Saturday, Sunday or public holiday) when banks

More information

BUSINESS SUPPORT SCHEME Guidance Notes for Project Applicants

BUSINESS SUPPORT SCHEME Guidance Notes for Project Applicants BUSINESS SUPPORT SCHEME Guidance Notes for Project Applicants PLEASE READ THESE NOTES PRIOR TO COMPLETING THE APPLICATION FORM The Business Support Scheme is open to small and medium sized enterprises

More information

Exmoor National Park Authority (SFE) - Review

Exmoor National Park Authority (SFE) - Review EXMOOR NATIONAL PARK AUTHORITY DRAFT SCHEME OF MEMBERS ALLOWANCES 2015/16 1. INTRODUCTION Exmoor National Park Authority s scheme provides for payment of:- A Basic Allowance which is a flat rate payable

More information

How to Do Business. With. Cheshire Constabulary

How to Do Business. With. Cheshire Constabulary How to Do Business With Cheshire Constabulary A guide for suppliers January 2010 1 Contents INTRODUCTION 3 PROCUREMENT RULES AND REGULATIONS 3 European Regulations 3 National Rules 4 Local Rules 4 HOW

More information

Terms and conditions

Terms and conditions Terms and conditions The Financial Conduct Authority is the independent watchdog that regulates financial services. Contained in this document is information which the Financial Conduct Authority requires

More information

Consumer Code. for Home Builders

Consumer Code. for Home Builders Consumer Code for Home Builders This document contains the Consumer Code requirements together with non-mandatory good practice guidance for Home Builders Second Edition January 2010 Contents Meaning of

More information

Professional Direct Insurance Ockford Mill Ockford Road Godalming GU7 1RH. Terms and Conditions of Business Agreement. Our Service

Professional Direct Insurance Ockford Mill Ockford Road Godalming GU7 1RH. Terms and Conditions of Business Agreement. Our Service Professional Direct Insurance Ockford Mill Ockford Road Godalming GU7 1RH Terms and Conditions of Business Agreement This document is important and sets out the basis upon which we will carry on our business

More information

MPS. 20.3 NA Termination of contract + 6 years 1980 c.58 Limitation Act 1980 NA Review for archival value.

MPS. 20.3 NA Termination of contract + 6 years 1980 c.58 Limitation Act 1980 NA Review for archival value. Governance/Corporate 1.1 Legal Framework Records documenting the establishment and development of the institution's legal framework. MPS 16.1 1.1 Life of institution 1988 Northern Ireland Act 1998 Articles

More information

Applicant Guidance Notes - Flexible Business Support Grants

Applicant Guidance Notes - Flexible Business Support Grants Applicant Guidance Notes - Flexible Business Support Grants Introduction Gloucester City Council is actively encouraging a thriving local economy and, as a part of this, is looking to support new business

More information

Fees and Refund Policy

Fees and Refund Policy Fees and Refund Policy 1 Contents 1. Introduction... 3 2. Home & EU and RUK Students... 3 3. International Students... 4 4. Part time students Home, EU, RUK and International... 5 5. Tuition Fees for Staff

More information

outgoings means a landlord's outgoings on account of any of the following

outgoings means a landlord's outgoings on account of any of the following Information Sheet Outgoings What are outgoings? Outgoings are costs incurred by a landlord in relation to a premises or in the case of a multi occupancy property, such as a shopping centre, the premises

More information

NATIONAL NON-DOMESTIC RATES APPLICATION FOR HARDSHIP RELIEF

NATIONAL NON-DOMESTIC RATES APPLICATION FOR HARDSHIP RELIEF NRELIEF NATIONAL NON-DOMESTIC RATES APPLICATION FOR HARDSHIP RELIEF For Enquiries Contact Us via our online form at www.cheshireeast.gov.uk/businessrates EXPLANATORY NOTES Please read these notes (Pages

More information

WESTERBY TRUSTEE SERVICES LTD PROPERTY PURCHASE GUIDE

WESTERBY TRUSTEE SERVICES LTD PROPERTY PURCHASE GUIDE WESTERBY TRUSTEE SERVICES LTD PROPERTY PURCHASE GUIDE The purpose of this guide is: 1. To answer some frequently asked questions about the purchase of property or land as a pension scheme asset. 2. To

More information

Provision of a Corporate Asset Management Software System

Provision of a Corporate Asset Management Software System MERTHYR TYDFIL COUNTY BOROUGH COUNCIL Civic Centre, Castle Street, Merthyr Tydfil, CF47 8AN Main Tel: 01685 725000 To: Chairman, Ladies and Gentlemen CABINET REPORT www.merthyr.gov.uk Date Written 7 th

More information

TERMS OF BUSINESS. For certain types of insurance we are also authorised to issue policy documentation and/or certificates on behalf of the insurers.

TERMS OF BUSINESS. For certain types of insurance we are also authorised to issue policy documentation and/or certificates on behalf of the insurers. TERMS OF BUSINESS This document is effective from 27 September 2013 and supersedes all Terms of Business previously issued by us. It sets out the terms upon which we agree to act for our clients and contains

More information

Asset Management Policy

Asset Management Policy Asset Management Policy Issue Date: August 2011 Author: Head of Finance Approval Body: Senior Leadership Team CONTENTS Page 1. Policy Statement 3 2. Scope 3 3. Definitions 3 4. Accountabilities and Responsibilities

More information

PARALEGAL PRACTITIONERS RULES 2015

PARALEGAL PRACTITIONERS RULES 2015 PARALEGAL PRACTITIONERS RULES 2015 Rule 1. Citation, Commencement and Interpretation 1.1 These Rules may be cited as the Paralegal Practitioners Rules 2015 and come into force on 20th April 2015. These

More information

Paper P2 (UK) Corporate Reporting (United Kingdom) Tuesday 11 December 2007. Professional Level Essentials Module

Paper P2 (UK) Corporate Reporting (United Kingdom) Tuesday 11 December 2007. Professional Level Essentials Module Professional Level Essentials Module Corporate Reporting (United Kingdom) Tuesday 11 December 2007 Time allowed Reading and planning: Writing: 15 minutes 3 hours This paper is divided into two sections:

More information

Appendix A. Call-off Terms and Conditions for the Provision of Services

Appendix A. Call-off Terms and Conditions for the Provision of Services Appendix A Call-off Terms and Conditions for the Provision of Services Where an Order Form is issued by the Authority that refers to the Framework Agreement, the Contract is made between the Authority

More information

Consumer Code. for Home Builders. This document contains the Rules that govern the behaviour of Home Builders and Home Warranty Bodies

Consumer Code. for Home Builders. This document contains the Rules that govern the behaviour of Home Builders and Home Warranty Bodies Consumer Code for Home Builders This document contains the Rules that govern the behaviour of Home Builders and Home Warranty Bodies First Edition January 2010 Contents Meaning of words... 3 Introduction...

More information

Leasing Business Premises: Occupier Guide

Leasing Business Premises: Occupier Guide Leasing Business Premises: Occupier Guide This document is one of three component parts of the Code for Leasing Business Premises Copyright The Joint Working Group on Commercial Leases, 2007. Any of the

More information

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with?

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with? Terms of Business The Financial Conduct Authority is the independent watchdog that regulates financial services. Contained in this document is information which the Financial Conduct Authority requires

More information

International Construction Warranties Limited. Terms & Conditions. Version UK1

International Construction Warranties Limited. Terms & Conditions. Version UK1 International Construction Warranties Limited Terms & Conditions Version UK1 Rules of Registration Version 5 All Companies applying for or taking out a Warranty on a New Development with ICW shall comply

More information

5.2 BUDGETING; CASH FLOW FORECASTS. Introduction To Budgets And Cash Flow Forecasts. Cash Flow Forecasts. Budget And Cash Flow Exercises

5.2 BUDGETING; CASH FLOW FORECASTS. Introduction To Budgets And Cash Flow Forecasts. Cash Flow Forecasts. Budget And Cash Flow Exercises 52 FUNDING 5 BUDGETING; CASH FLOW FORECASTS Introduction To Budgets And Cash Flow Forecasts Cash Flow Forecasts Budget And Cash Flow Exercises Cash Flow Exercises P 168 INTRODUCTION TO BUDGETS AND CASH

More information

Lump Sum Lifetime Mortgage Terms and Conditions. Version 1

Lump Sum Lifetime Mortgage Terms and Conditions. Version 1 Lump Sum Lifetime Mortgage Terms and Conditions Version 1 INTRODUCTION Thank you for choosing Hodge Lifetime. We hope that your lifetime mortgage makes a positive difference during your retirement. This

More information

TERMS AND CONDITIONS PENSION ANNUITY.

TERMS AND CONDITIONS PENSION ANNUITY. TERMS AND CONDITIONS PENSION ANNUITY. This document is intended for reference both before and after the annuity has been bought. If you are looking at it before buying, we recommend that you also read

More information

DEPARTMENT OF EDUCATION AND SKILLS

DEPARTMENT OF EDUCATION AND SKILLS Circular Letter 0062/2013 DEPARTMENT OF EDUCATION AND SKILLS School Building Unit To: The Boards of Management and Principals of National Schools Grant Scheme for Minor Works to National School Properties

More information

PLEASE CONTACT US IF YOU REQUIRE THESE TERMS OF BUSINESS IN LARGER PRINT. Painters. Version 3: January 2014

PLEASE CONTACT US IF YOU REQUIRE THESE TERMS OF BUSINESS IN LARGER PRINT. Painters. Version 3: January 2014 PLEASE CONTACT US IF YOU REQUIRE THESE TERMS OF BUSINESS IN LARGER PRINT Painters Terms of Business Version 3: January 2014 Introduction We aim to offer our clients quality legal advice with a personal

More information

WORKING DRAFT. Proposed Employee Misclassification Workers Compensation Coverage Model Act

WORKING DRAFT. Proposed Employee Misclassification Workers Compensation Coverage Model Act WORKING DRAFT Proposed Employee Misclassification Workers Compensation Coverage Model Act To be considered by the NCOIL Workers Compensation Insurance Committee on July 10, 2009. Sponsored for discussion

More information

Managed Fund Service. Terms and Conditions

Managed Fund Service. Terms and Conditions Managed Fund Service Terms and Conditions Important Information These are the Terms and Conditions for your Balkerne Asset Management Managed Fund Service. You are advised to read them carefully. The terms

More information

A guide to Repossession

A guide to Repossession A guide to Repossession A guide explaining how to deal with the threat of Property Repossession Contents Part 1 Overview 4 Guide overview Part 2 Repossession 5 Root causes of property repossession Mortgage

More information

CONSUMER PROTECTION ON THE SALE OF LOAN BOOKS. Public Consultation July 2014

CONSUMER PROTECTION ON THE SALE OF LOAN BOOKS. Public Consultation July 2014 CONSUMER PROTECTION ON THE SALE OF LOAN BOOKS Public Consultation July 2014 Public Consultation Paper: Consumer Protection on the Sale of Loan Books Department of Finance July 2014 Department of Finance

More information

Housing Benefit and Council Tax Support Self-employed Income Form

Housing Benefit and Council Tax Support Self-employed Income Form Housing Benefit and Council Tax Support Self-employed Income Form If you want to claim Housing Benefit or Council Tax Support, fill in and return this form to tell us about any self-employment. Please

More information

How To Run A Factoring Service In Scotland

How To Run A Factoring Service In Scotland FORTH HOUSING ASSOCIATION LIMITED FACTORING POLICY Code: HM08 Approved: Next review: By July 2016 Cross reference: This document can be made available in alternative languages or formats (such as large

More information

TERMS OF ENGAGEMENT FOR LIMITED COMPANY CONTRACTOR

TERMS OF ENGAGEMENT FOR LIMITED COMPANY CONTRACTOR TERMS OF ENGAGEMENT FOR LIMITED COMPANY CONTRACTOR Name of Contractor: Limited 1. DEFINITIONS 1.1. In these Terms of Engagement the following definitions apply: Assignment means the period during which

More information

INFORMATION SHEET 2015 Ontario Renovates Program for Homeowners

INFORMATION SHEET 2015 Ontario Renovates Program for Homeowners INFORMATION SHEET 2015 Ontario Renovates Program for Homeowners Ontario Renovates Program Development Officer (PDO) 519-255-5200 Ext. 5349 or Ext. 5470 Disclaimer: Details contained herein are for informational

More information

Access Broadband Cymru

Access Broadband Cymru Access Broadband Cymru Application Form A copy of this document is available in Welsh. If you would prefer to receive the Welsh version of this document, we would encourage you to contact us on 0300 025

More information

Schedule of Fees. for the Suffolk Life MasterSIPP. From 1 June 2015

Schedule of Fees. for the Suffolk Life MasterSIPP. From 1 June 2015 Schedule of s for the Suffolk Life MasterSIPP From 1 June 2015 This document is part of a set, all of which should be read together: Key Features Your Personal Illustration Schedule of s Schedule of Allowable

More information

Guide to buying professional indemnity insurance

Guide to buying professional indemnity insurance Guide to buying professional indemnity insurance The Law Society has collaborated with the British Insurance Brokers Association and Association of British Insurers to provide you with this Guide to Buying

More information

Department of Economic Development & Transportation SMALL BUSINESS SUPPORT PROGRAM GUIDELINES

Department of Economic Development & Transportation SMALL BUSINESS SUPPORT PROGRAM GUIDELINES . Department of Economic Development & Transportation INTRODUCTION SMALL BUSINESS SUPPORT PROGRAM GUIDELINES In April 2006, the Department of Economic Development & Transportation implemented program delivery

More information

Compensation Policy. Compiled by: Becci Youlden Date: 14 th September 2005 Approved by: Housing Services Committee Review dates: 09/01/08, 29/08/08

Compensation Policy. Compiled by: Becci Youlden Date: 14 th September 2005 Approved by: Housing Services Committee Review dates: 09/01/08, 29/08/08 Compensation Policy Compiled by: Becci Youlden Date: 14 th September 2005 Approved by: Housing Services Committee Review dates: 09/01/08, 29/08/08 Contents table Section Content Page 1 Introduction 3 2

More information

Lettings & Management Fees London

Lettings & Management Fees London Lettings & Management Fees London Thank you for your interest in Enviro Estates international lettings service. Please find more details below. Please note Rent period is usually 12 months International

More information

The National Council of the Slovak Republic has adopted the following Act: Article I. 1 Scope of the act

The National Council of the Slovak Republic has adopted the following Act: Article I. 1 Scope of the act Slovak Investment and Trade Development Agency Address: Trnavská cesta 100, 821 01 Bratislava, Slovak Republic Tel.: +421 2 58 260 100, Fax: +421 2 58 260 109, E-mail: invest@sario.sk, www.sario.sk Act

More information

SUMMER WORKS SCHEME (SWS) 2014

SUMMER WORKS SCHEME (SWS) 2014 Circular 0059/2013 To: The Managerial Authorities of Recognised Primary, Secondary, Community and Comprehensive Schools and The Chief Executive Officers of Education and Training Boards SUMMER WORKS SCHEME

More information

UKLPG APPROVED AUTOGAS INSTALLER CONSUMER CODE

UKLPG APPROVED AUTOGAS INSTALLER CONSUMER CODE UKLPG APPROVED AUTOGAS INSTALLER CONSUMER CODE e-mail autogas@uklpg.org Website www.drivelpg.co.uk Office 2.2, Christchurch Business Centre, Grange Road, Christchurch, Dorset, BH23 4JD. CONTENTS SECTION

More information

Customer Compensation Policy

Customer Compensation Policy Date approved: 5 May 2014 Approved by: Chief Executive 1. Introduction 1.1 Southway Housing Trust (Southway) will provide high quality services to our customers and aim to get things right first time.

More information

TRANSPORT FOR LONDON (TfL) LOW EMISSIONS CERTIFICATE (LEC) GUIDANCE NOTES FOR THE COMPANY AUDIT PROCESS. LEC (Company Audit) Guidance Notes

TRANSPORT FOR LONDON (TfL) LOW EMISSIONS CERTIFICATE (LEC) GUIDANCE NOTES FOR THE COMPANY AUDIT PROCESS. LEC (Company Audit) Guidance Notes TRANSPORT FOR LONDON (TfL) LOW EMISSIONS CERTIFICATE (LEC) GUIDANCE NOTES FOR THE COMPANY AUDIT PROCESS LEC (Company Audit) Guidance Notes Glossary of Terms Transport for London (TfL) London Low Emission

More information