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1 Welcome to Our Garden

2 Welcome to Eden At Eden we pride ourselves on providing a hassle-free, fully compliant and flexible alternative for contractors not wishing to run their own company. We aim to provide you with the best possible individual service and advice so that you can concentrate on your current assignment or plan your next. The following information is designed to help you understand more about Eden and whether a PAYE Umbrella company is right for you. Please read it through carefully, and if at any stage you wish to speak to us, please call one of our experienced consultants on They will be more than happy to help. Umbrella companies provide a service to contractors that is a tax-effective, compliant and safe way for you to receive up to 85% net income from your assignments. What is a PAYE Umbrella Company? PAYE Umbrella companies provide a way for contractors to offset genuine expenses incurred during their assignment against their tax. This is a fully compliant way, within Inland Revenue guidelines for contractors to maximise their net pay. Who is eligible to use an Umbrella Company? Contractors starting up who expect to work through an agency for the foreseeable future. What are the key benefits of using an Umbrella Company? We will arrange your contract with the agency you choose to work with. There is no cost to join or leave the service. You can use our service for all your assignments. You can remain registered with us at no cost when you are not working, so your employment status will remain intact. Contractors who do not want the additional administration and financial concern involved with running their own limited company. Whether you have one or many assignments in a year, we will make sure that you receive all the income, net of the appropriate Tax and National Insurance and our margin retained. We will issue you with a P45 at the end of your assignment if appropriate and a P60 at the end of the tax year. Contractors wishing to maximize their net pay by offsetting their expenses against their tax. You have the option of retaining a percentage of your income to be taken as holiday pay when you need it. New contractors who think they may struggle with the responsibilities of running their own company. Fax, post or your time sheets each week or month if applicable, and we will do the rest. Short-term contractors who want to avoid the costly process of forming a company and then arranging for it to be dissolved. Employers Liability Insurance of 10m, Public Liability Insurance of 5m and Professional Indemnity of 2m free. Contractors who are subject to IR35 (see FAQs to understand IR35). An expense dispensation agreed with the Inland Revenue will considerably reduce your tax burden.

3 Frequently Asked Questions Why is the charge rate not my pay rate? The charge rate we invoice to the agency, is inclusive of all costs associated with your employment. It is not your pay rate. If the agency were to pay you directly under a PAYE system then your pay rate would be adjusted down from the charge rate to allow for the fact that the agency would be paying employer s NI. With the money we receive from the agency, we have to first deduct costs such as employers NI and an amount to cover overheads, etc (our margin retained) before making a calculation of your pay rate. Why is it so important for me to submit my expense forms to Eden? To take full advantage of being part of a PAYE Umbrella company Eden needs your genuine business expenses to be able to offset these against your tax. If you do not submit expenses to Eden, then you will end up being taxed on the full gross amount of your salary and will pay more in tax and NI. What is the difference between chargeable expenses and business expenses? Business expenses are the expenses you submit weekly or monthly to Eden in line with our expense policy. These are not paid in addition to salary, but used to offset against your potential tax bill. They are deducted from your gross pay to reduce the amount of tax and NI you pay. Once these are deducted, the expenses are then added back on to give you your net pay figure. Chargeable expenses are expenses that the client has agreed to pay over and above your normal rate. Why do PAYE Umbrella companies offer different rates for subsistence when claiming expenses? Each Umbrella company agrees their rates separately with the Inland Revenue based upon average genuine business expenses. These rates can be claimed without the need to submit the actual receipts and therefore reduce administration costs. If you wish to claim more you can, as long as receipts are provided to support the claim. Can I have my salary paid into an overseas bank account? Yes, this is possible; however, the bank charges will need to be deducted from your salary for each payment made. Why do I work the same hours as my colleague and get paid a different amount? Net pay differs between contractors working the same hours on assignment for various reasons. These may include different tax codes, different pay rates agreed with the client or a difference in genuine expenses claimed. What is IR35? First introduced on April 6, 2000, IR35 changed the way that contractors could pay themselves. The legislation aims to ensure that individuals who work through an intermediary pay the same Tax and National Insurance as would a similar individual carrying out the same work as an employee. For further information see the HMRC website at

4 How the Process Works, and Who Is Responsible for What? 1. Find an assignment through an agency. 2. Contact Eden and receive a Registration Pack. 3. Complete a Registration Form, a P45/P46, and return them to Eden with a copy of your photo ID. 4. The agency confirms your assignment with Eden, and Eden sends you an assignment schedule which you complete and return. 5. You complete an Eden Expense Claim weekly or monthly and send to Eden with any receipts and business mileage forms for the previous week s or month s work by Monday 5 pm at the latest. 6. You complete an agency time sheet each week, which needs to be signed by you and your supervisor and returned to the agency. Eden will make you aware at the time of registration if they also require a copy of your time sheet. If so, you must do this by the deadline you are given. 7. Eden will process your hours, and then invoice the agency for your services. 8. The agency then confirms the payment of the invoice, and Eden pays you using the hours and expenses supplied (deducting our margin retained for overheads), ensuring you maximise your income and minimise your tax. 9. Payment is made by Eden into your account by BACS transfer unless otherwise arranged. You can normally expect to be paid on a Friday unless the agency is late sending Eden payment for your services. 10. At the end of your assignment, should you choose to terminate your agreement with Eden, Eden will issue you with a P45 for your next employer. At the end of the tax year, provided you are still registered with Eden, a P60 will be issued. Remember that you can use Eden for all your assignments. There is no charge to stay registered with Eden when you are not working. Your payroll reference with Eden. Holiday entitlement built into your hourly rate. EDEN Outsource Ltd Tuscam House Trafalgar Way Camberley Surrey GU15 3BN To Bonus/Commission. This is part of period payment and is the difference between minimum wage, holiday entitlement and total income. Date Eden processes your payslip. Funds credit bank account two days later. The payroll week/ month, this is taken from the beginning of the tax year. Employers NI deducted from income received from Agency. Eden s margin retained is deducted from income received from Agency. Mr A N Other 1 The Street Town County A12 3BC P A Y A D V I C E COMPANY NAME AGENCY SURNAME FORENAMES EDEN Outsource Ltd PAYROLL NO Other A N DESCRIPTION P A Y M E N T S AMOUNT DESCRIPTION D E D U C T I O N S AMOUNT Period Payment Gross Pay For Tax Expenses Allowed Tax Deducted Holiday Payment Bonus/Comission T O T A L S DATE 09/04/2010 P A Y M E N T MONTH A) B) C) H) NI Contribution T O T A L D E D U C T I O N S WEEK TAXCODE NI NUMBER PAY BY NET PAY L/ Week One D123456EF Bank Margin retained Employee NI Retained by Company PAYMENT BREAKDOWN Total Income to the company G) Paid to Employee (F - K) Employer NI paid to HMRC D) Total Available for Salary (A - B - C) including Expenses E) Other Payments F) Total Payments (D + E) G) J) K) J) K) L) Tax Deducted Other Deductions Expenses C/F Hours * Please note 'Gross Pay For Tax' does not include any expenses paid. Total Deductions (G + H + J) YTD Expenses deducted from taxable gross pay prior to calculating Tax and NI. Your current tax code. Your NI number. Funds sent to your bank account. Any expenses that can t be offset in the current pay are shown as a total here to carry forward. If you have elected to retain holiday pay it is shown here.

5 Eden PO Box 904 Camberley Surrey GU15 9BP Tel Fax Copyright Eden 2011 Rev. 04/2011

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