1. About GG Financial Consulting

These General Terms & Conditions apply to services provided by GG Financial Consulting B.V. ("GGFC", "we", "us" or "our").

GG Financial Consulting B.V. is registered in the Netherlands under Chamber of Commerce (KvK) number 99041081.

Registered address: Prins Hendrikkade 21 E, 1012 TL Amsterdam, the Netherlands.

Email: info@ggfinancialconsulting.com

Website: www.ggfinancialconsulting.com

These terms primarily apply to business-to-business engagements, including freelancers, sole traders, partnerships and private limited companies.

Where services are provided to individuals acting as consumers, applicable mandatory consumer protection laws take precedence.

2. Services and Engagement

GGFC provides bookkeeping, accounting, tax compliance, payroll administration, financial reporting and related financial services.

Services may be provided through recurring monthly packages, fixed-fee projects or individually agreed arrangements.

The specific scope, fees, reporting periods, deliverables and responsibilities will be confirmed in a written proposal, engagement letter or other written agreement.

Our published prices are starting fees and do not constitute a binding quotation.

Where an individual engagement agreement conflicts with these General Terms & Conditions, the specific provisions of that agreement take precedence.

GGFC does not provide legal representation, regulated investment advice or immigration legal services. Specialist matters may be referred to appropriately qualified external advisers.

3. Client Acceptance and Onboarding

Before commencing services, GGFC may request information necessary for client identification, business verification, risk assessment and compliance with applicable legal obligations.

This may include identification documents, company registration details, ownership information, accounting records and previous tax filings.

GGFC reserves the right to decline or postpone an engagement where the necessary information is unavailable, compliance requirements cannot be satisfied or the proposed work falls outside our professional scope.

Submission of an enquiry or attendance at an introductory meeting does not constitute acceptance of an engagement.

4. Client Responsibilities

Clients are responsible for providing accurate, complete and timely information required for the agreed services.

Clients must notify GGFC promptly of relevant changes, including changes to business activities, company ownership, bank accounts, employees, payroll arrangements, VAT treatment and tax circumstances.

Clients are responsible for reviewing documents and draft filings submitted for their approval, responding to information requests and ensuring that taxes, salaries and other amounts are paid by the applicable deadlines.

Unless otherwise agreed, clients remain responsible for maintaining appropriate business records and retaining supporting documents in accordance with applicable law.

GGFC is entitled to rely on information supplied by the client, subject to its own professional responsibilities and agreed verification procedures.

Where information is incomplete or delayed, GGFC will explain any material impact on the work or applicable deadlines where reasonably practicable.

5. Monthly Accounting Packages

GGFC offers recurring accounting packages for freelancers and Dutch BVs, including the following service categories:

• Freelancer Essential and Complete

• BV Holding, Basic, Essential and Complete

Each package has a defined scope based on the nature of the business, transaction volume, number of bank accounts, accounting complexity, payroll requirements and agreed reporting services.

The client's engagement letter confirms the specific package terms.

Transaction allowances indicate the expected workload. Additional payment processors, bank accounts, unusual transactions or other circumstances that materially increase processing requirements may require a fee adjustment.

We will communicate and agree any proposed adjustment to the recurring fee in writing before undertaking the additional services.

Unless included in the engagement letter, personal income tax returns, specialist advice, historical corrections, financial forecasts and additional consultations are separately chargeable.

6. Annual Accounts and Tax Returns

Where expressly included in the agreed package, GGFC will prepare annual accounts and applicable corporate income tax returns for the specified entity and financial year.

Annual work is subject to receiving the necessary records and information.

Monthly freelancer packages do not include personal income tax returns unless separately agreed.

Additional work relating to historical financial years, amended returns, unusual tax positions, foreign income, complex company structures or information not previously disclosed may require a separate quotation.

GGFC will identify relevant filing deadlines based on the agreed services and information available. Clients remain responsible for supplying information and approvals sufficiently in advance of those deadlines.

7. Additional Work and Changes in Scope

Services outside the agreed engagement may be quoted separately.

Examples include:

• Historical bookkeeping corrections and catch-up work

• Overdue or amended tax returns

• Additional bank accounts or payment platforms

• Material increases in transaction volume

• Complex VAT treatment reviews

• New employees, payroll corrections or termination calculations

• Financial statements for mortgages or other third parties

• Business closure accounting

• Additional tax research or advisory consultations

GGFC will notify the client where requested work falls outside the agreed scope and obtain approval of the additional fee or pricing basis before proceeding, except where otherwise expressly authorised in the engagement agreement.

8. Fees, Invoicing and Payment

All quoted fees exclude VAT unless expressly stated otherwise.

We invoice recurring fees monthly, unless otherwise agreed.

Project-based services may be invoiced in advance, in stages or upon completion, as specified in the proposal.

Invoices are payable within 14 calendar days of the invoice date unless a different payment term is agreed in writing.

In the event of late payment, GGFC may charge applicable statutory interest and reasonable recovery costs in accordance with Dutch law.

Where invoices remain unpaid, GGFC may suspend services after providing reasonable notice, subject to its legal and professional obligations.

The client remains responsible for any unpaid fees relating to services already performed.

9. Software and Client Portals

GGFC uses professional accounting, payroll, tax and practice management software to perform its services.

These systems may include Jortt, Employes, Fiscaal Online, TaxDome, Google Workspace and other approved service providers.

Where stated in the agreed package, a standard Jortt subscription is included in the recurring fee.

Additional software upgrades, subscriptions or integrations outside the agreed package may be charged separately with the client's approval.

Clients may be given access to a secure portal for document collection, communication, approvals and electronic signatures.

Clients are responsible for protecting their login credentials and informing GGFC promptly of suspected unauthorised access.

Upon termination of the engagement, access to GGFC-managed systems may be discontinued after arrangements have been made for the appropriate handover of client records.

Third-party services are subject to their own applicable terms. GGFC remains responsible for performing its contractual obligations with reasonable care.

10. Communication and Approvals

Our primary communication channels are email and, where implemented, the designated client portal.

GGFC generally aims to respond to routine communications within two business days. This is a service objective rather than a guaranteed response time unless expressly agreed.

Clients are responsible for monitoring communications and responding to requests requiring their attention.

Certain documents, tax filings, payroll changes or other material actions may require written client approval before submission or implementation.

Urgent requests are subject to availability and may incur additional fees where agreed in advance.

11. Professional Care and Limitations

GGFC will perform its services with reasonable professional skill, care and diligence.

Accounting reports, tax calculations, financial forecasts and other deliverables are based on the available information, applicable rules and assumptions relevant at the time of preparation.

Financial forecasts are estimates and do not guarantee future results.

GGFC does not guarantee the acceptance of tax applications, refunds, financial reports or other documents by the Belastingdienst, lenders, immigration authorities or other third parties.

If a client requests work outside GGFC's professional scope, GGFC may recommend an external specialist.

12. Liability

Each party is responsible for losses arising from its own failure to fulfil applicable contractual or legal obligations.

GGFC is not responsible for losses caused solely by inaccurate or incomplete information supplied by the client, provided GGFC has fulfilled its own applicable duties of care.

Any contractual limitation of GGFC's liability must be expressly agreed, reasonable and enforceable under Dutch law.

Nothing in these terms excludes or restricts liability where such exclusion or restriction is prohibited by law.

13. Confidentiality and Data Protection

GGFC treats confidential business and personal information obtained during engagements with appropriate care.

Information may be shared with employees, authorised contractors, professional advisers, software providers or competent authorities where necessary for the agreed services or required by law.

GGFC processes personal data in accordance with applicable data protection legislation, including the General Data Protection Regulation (GDPR).

Further information is provided in our Privacy Policy.

Where legally required, we will enter into separate data processing agreements.

14. Cancellation and Termination

Unless otherwise agreed in writing, either party may terminate ongoing monthly accounting engagements with one full calendar month's notice.

The notice period and effective termination date will be calculated in accordance with the applicable engagement letter.

For fixed-fee projects, the client may request cancellation at any time. GGFC may charge for work already completed and reasonable non-recoverable costs incurred, subject to the agreement and applicable law.

Either party may terminate an engagement where the other party materially breaches its obligations and fails to remedy the breach within a reasonable period after written notice, unless immediate termination is legally justified.

GGFC may also terminate or suspend an engagement where continuation would breach legal or professional obligations.

Termination does not affect fees already due or rights and obligations intended to survive termination.

15. Client Records and Handover

Upon termination, GGFC will cooperate reasonably with the handover of relevant client accounting records, reports and completed deliverables.

The scope and method of handover will depend on the engagement and software arrangements.

Any substantial additional handover work, data conversion or reconstruction may be quoted separately.

GGFC may retain copies of information where required by law or reasonably necessary to meet professional obligations, subject to applicable privacy requirements.

16. Intellectual Property

Unless otherwise agreed, GGFC retains ownership of its internal templates, methodologies, working papers, process documentation and other proprietary materials.

Clients may use completed reports and deliverables for the purposes specified in the engagement.

Deliverables prepared for a particular client must not be represented as independent third-party assurance or certification unless expressly agreed and appropriately authorised.

17. Complaints and Disputes

Clients should raise any concerns about our services as soon as reasonably possible by emailing info@ggfinancialconsulting.com.

GGFC will review complaints fairly and seek to resolve them through direct communication.

These terms and the related engagement are governed by Dutch law.

Disputes will be submitted to the competent Dutch court, subject to applicable mandatory rules concerning jurisdiction and consumer protection.

18. Amendments

GGFC may update these General Terms & Conditions from time to time.

Changes affecting existing engagements will be communicated with reasonable notice and will apply in accordance with the relevant agreement and applicable law.

We will publish the current version on our website.

GG Financial Consulting B.V.

KvK: 99041081

Prins Hendrikkade 21 E, 1012 TL Amsterdam

info@ggfinancialconsulting.com