Terms & Conditions

By accessing or using our website, portal or digital services, you agree to these General Terms. If you engage MEMA Consultants for paid services, these terms also form part of the contractual framework for that engagement unless a project-specific agreement states otherwise.

If there is an inconsistency between these General Terms and a signed engagement letter, statement of work, order confirmation or specific project terms, the more specific document takes priority for that engagement.

MEMA Consultants Ltd is a company registered in England and Wales under company number 11869187, with its registered office at 60 Tottenham Court Road, Suite 1810a, Fitzrovia, London W1T 2EW. MEMA provides UK financial-services regulatory consultancy, including FCA authorisation support, regulatory perimeter assessments, compliance frameworks, remediation, governance and related advisory services.

References to “MEMA”, “we”, “us” or “our” mean MEMA Consultants Ltd. References to “you”, “your” or “client” mean the person or organisation using the website or engaging our services, as applicable.

Our website, online questionnaires, calculators, eligibility tools, client portal, guides and other digital resources are provided to help users understand and access our services. We may update, change, suspend or withdraw website features where reasonably necessary.

You must not misuse our website or systems, attempt unauthorised access, introduce malicious code, interfere with security controls, scrape content at scale without permission, or use our materials in a way that infringes our rights or the rights of others.

You are responsible for keeping login credentials confidential and for activity carried out through your account. Please tell us promptly if you believe your account or portal access has been compromised.

The scope of any paid service is the scope expressly set out in the relevant proposal, statement of work, online order, engagement letter or project-specific terms. Work outside that scope may require a revised scope, additional fee or separate engagement.

Unless expressly agreed otherwise, our services do not include legal representation, reserved legal activities, tax advice, audit, accounting advice, investment advice, insurance advice or other professional services outside MEMA's agreed regulatory consultancy scope.

Where a project is delivered through an online fixed-fee module, the applicable Online Fixed-Fee Project Terms also apply.

Information published on our website, in newsletters, guides, tools or free resources is general information only. It does not constitute a formal legal opinion or project-specific regulatory advice and should not be relied on as a substitute for advice based on the facts of your business.

Project-specific regulatory consultancy advice is based on the facts, documents and assumptions made available to us and on the regulatory position reasonably understood at the time the advice is given. Regulatory requirements and FCA expectations can change.

Where a matter requires specialist legal, tax, accounting or other professional advice, we may recommend that you obtain that advice separately.

You are responsible for providing information that is complete, accurate and not misleading, and for telling us promptly if relevant facts or arrangements change. We are entitled to rely on information supplied by you or on your behalf unless there is an obvious reason to question it.

You remain responsible for decisions about your business, regulated activities, governance and compliance. Drafts prepared by MEMA should be reviewed and approved by the relevant client representative before they are adopted, submitted or implemented.

We may pause work where information, instructions, approvals or evidence reasonably required to continue have not been provided.

Where we support an application, variation, remediation exercise, regulatory response or other interaction with the FCA or another authority, the relevant firm remains responsible for its regulatory obligations and for the accuracy of declarations made in its name.

Regulators control their own processes, information requests, assessment criteria, timetables and decisions. MEMA cannot guarantee authorisation, approval, removal of a requirement, acceptance of a submission, a particular permission, or any regulatory timetable or outcome.

Our fees and payment terms are set out in the applicable proposal, statement of work, order summary, invoice or project-specific terms. Unless expressly stated otherwise, external costs and third-party charges are not included in MEMA's fee.

Third-party costs may include FCA or Companies House fees, background checks, software charges, legal or accountancy fees and other external services required for a project. You are responsible for those costs where they apply and have been disclosed or separately approved.

We may suspend services where an undisputed invoice is overdue, subject to any different payment arrangement agreed in writing.

We will treat confidential information received in connection with an engagement as confidential and will not disclose it except where disclosure is authorised, reasonably necessary to provide the services, required by law or regulation, or made to professional advisers or service providers subject to appropriate confidentiality obligations.

Personal data is handled in accordance with our Privacy Notice and applicable data-protection law. We may use appropriate service providers to support payment processing, communications, portal hosting, document storage and other operational functions.

MEMA retains ownership of its pre-existing and underlying methodologies, templates, frameworks, know-how, tools, training materials, website content and other intellectual property.

Subject to payment of the applicable fees, a client may use final deliverables prepared specifically for it for its own internal business, compliance and regulatory purposes. Unless we agree otherwise in writing, those materials may not be sold, licensed, published, commercially distributed or reused for another firm.

We may continue to use our general knowledge, experience, methods, templates and know-how, provided that we do not disclose a client's confidential information.

Our website or services may refer to or integrate with third-party websites, payment processors, software, identity-checking providers, cloud services or other external services. Those third parties operate under their own terms and policies.

Unless we expressly state otherwise, a reference, link or integration does not amount to an endorsement or guarantee of a third party's services. MEMA is not responsible for the availability, security or performance of services controlled by an independent third party.

You agree that project communications, approvals, notices, invoices, order confirmations and documents may be sent electronically, including through email and the client portal. You are responsible for keeping your nominated contact details up to date.

Electronic approvals and records may be relied upon as evidence of instructions, acceptance and project activity where reasonably appropriate.

MEMA will perform paid services with reasonable care and skill. We are not responsible for losses caused by inaccurate, incomplete or late information supplied by the client; material changes made without our knowledge; failure to follow agreed recommendations; third-party acts or omissions; or decisions and delays controlled by the FCA or another authority.

Any specific financial cap on liability for professional services will be the cap stated in the applicable engagement letter, statement of work, order confirmation or project-specific terms. If no cap is stated, these General Terms do not create an additional financial cap by themselves.

To the fullest extent permitted by law, MEMA will not be liable for indirect or consequential loss, or for loss of profit, revenue, business opportunity, anticipated savings or goodwill, except to the extent that such exclusion is not legally enforceable in the circumstances.

Nothing in these terms excludes or limits liability for fraud or fraudulent misrepresentation, death or personal injury caused by negligence, or any other liability that cannot lawfully be excluded or limited.

We may suspend or terminate access to services or an engagement where reasonably necessary, including where required information is repeatedly not provided, an undisputed fee remains overdue, a conflict of interest arises, continuing would create legal or regulatory concerns, sanctions or financial-crime concerns arise, or we reasonably believe information supplied is false or misleading.

Termination does not affect rights or obligations that accrued before termination. Fees for work already performed and approved external costs remain payable, subject to any more specific refund or cancellation provisions that apply to the engagement.

We may update these General Terms from time to time, for example to reflect changes to our services, technology, law or regulatory expectations. The version published when you use the website applies to that use. For an existing paid engagement, a material change will not retrospectively alter the agreed commercial terms unless agreed or required by law.

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue to apply.

A delay in enforcing a right does not waive that right.

Unless expressly stated otherwise, no person other than MEMA and the relevant client has rights under these terms.

You may not transfer an engagement to another person or firm without our written consent. MEMA may use employees, contractors and service providers to deliver the services while remaining responsible for the agreed scope.

These terms, together with the applicable project documents, form the agreement relevant to the services and supersede earlier discussions about the same scope to the extent of any inconsistency.

These terms and any non-contractual obligations arising from them are governed by the law of England and Wales. The courts of England and Wales have jurisdiction, subject to any mandatory legal rights that apply.

Questions about these terms or our services can be sent to contact@memaconsultants.com

MEMA Consultants Ltd (company number 11869187) 60 Tottenham Court Road Suite 1810a Fitzrovia London W1T 2EW