Terms of Business

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TERMS OF BUSINESS

Last updated: 30 August 2026

1. ABOUT US

Next Generation Wills is a trading name of Next Generation Consultants Ltd, a company registered in England and Wales under company number 16716183.

Registered office: 4 Coronation Terrace, Tarporley, Cheshire, CW6 0AU

Email: sophie@nextgenerationwills.co.uk

Telephone: 07368 386540

Website: nextgenerationwills.co.uk

Our services are provided by Sophie Swanborough, who holds an LLB Law with Criminology, an LLM Law with LPC and has completed specialist estate-planning training.

Next Generation Wills is not a firm of solicitors and is not regulated by the Solicitors Regulation Authority or another approved legal-services regulator. We provide unregulated estate-planning and document-preparation services. This does not affect your ordinary contractual or consumer rights.

We hold professional indemnity insurance with a limit of £2 million, subject to the terms and conditions of the policy.

2. THESE TERMS AND YOUR CONTRACT

These Terms of Business explain the basis on which we provide services to you.

Your contract with us consists of these terms together with the written quotation, order summary, engagement letter or service description provided to you before you agree to proceed. These documents are referred to in these terms as the Engagement Documents.

Your Engagement Documents will confirm the service you have chosen, the documents included, the total price, any additional charges and the estimated timescale.

If there is any inconsistency between these terms and your Engagement Documents, the Engagement Documents will take priority.

A contract begins when you accept our quotation or Engagement Documents and we confirm that we have accepted your instructions.

We may update these terms from time to time. Any changes will apply to future instructions and will not change an existing contract unless required by law or agreed with you in writing.

3. SERVICES WE PROVIDE

Depending on the package or service you choose, our work may include:

• An initial estate-planning consultation.
• Gathering information about your circumstances, family, assets and wishes.
• Explaining the estate-planning options that may be suitable for you.
• Making recommendations based on the information you provide.
• Preparing wills, will trusts, lifetime trust documents or Lasting Powers of Attorney where included in your Engagement Documents.
• Providing draft documents for you to review.
• Making the revisions included within your package.
• Providing instructions for signing, witnessing or registering your documents.
• Providing the review reminders or aftercare included within your package.

The precise documents, meetings, revisions and services included will be set out in your Engagement Documents.

Information on our website and in our marketing materials provides a general description of our services. Your Engagement Documents will confirm exactly what you have purchased.

4. SERVICES WE DO NOT PROVIDE

Unless expressly agreed in writing, our services do not include:

• Regulated financial, investment, mortgage, pension or insurance advice.
• Specialist tax or accountancy advice.
• Advice intended to avoid legitimate care charges or to guarantee eligibility for local-authority funding.
• Probate or estate administration.
• Conveyancing.
• Litigation, court applications or representation in legal proceedings.
• Reserved legal activities.
• Advice on the law of any country other than England and Wales.
• Valuation of property, businesses, investments or other assets.
• A guarantee of any future inheritance-tax, care-fee or financial outcome.
• Registration of a Lasting Power of Attorney unless registration is included within your Engagement Documents.
• Ongoing monitoring of changes in your circumstances, assets, family, the law or taxation.
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We may recommend that you obtain advice from a solicitor, accountant, tax adviser, financial adviser or another appropriately qualified professional.

Where independent advice is reasonably necessary, we may pause our work until that advice has been obtained.

5. OUR RECOMMENDATIONS

Our recommendations are based on:

• The information you provide.
• Your circumstances and wishes at the time.
• The law and practice reasonably known to us when the recommendation is made.

We will provide our services with reasonable care and skill.

Estate planning can be affected by future changes in your circumstances, your assets, the circumstances of your beneficiaries, taxation and the law. We cannot guarantee that a document or arrangement will achieve a particular future financial, tax, care-fee or family outcome.

Website content, free resources, social-media posts and general introductory conversations are for information only. They are not personalised recommendations and do not create a client relationship.

6. YOUR RESPONSIBILITIES

You agree to:

• Give us complete, accurate and up-to-date information.
• Tell us about relevant family relationships, assets, liabilities, business interests, previous wills and existing estate-planning arrangements.
• Tell us about any matter that may affect your capacity to give instructions or sign documents.
• Tell us promptly if your information or instructions change.
• Review all names, addresses, relationships, appointments, gifts and other factual information carefully.
• Read your draft documents and raise any questions before approving them.
• Make your decisions freely and without pressure from another person.
• Follow the signing, witnessing, registration and storage instructions provided to you.

You remain responsible for the decisions you make and for signing and witnessing your documents correctly.

If you do not provide information, payment, approval or documents when reasonably requested, our timescale may change and we may be unable to complete the service.

7. IDENTITY, CAPACITY AND UNDUE INFLUENCE

We must be satisfied that each person giving instructions:

• Is the person they claim to be.
• Has the mental capacity required to give instructions and approve the relevant documents.
• Understands the effect of the proposed arrangements.
• Is making decisions freely and without undue influence.

We may ask to meet with a client alone or request identification, additional information, a medical opinion or independent legal advice.

We may decline or stop work if we have concerns about identity, capacity, coercion, fraud, illegality or the suitability of the proposed arrangements.

Where identity verification is required, we may use a secure third-party verification provider. We will explain what information is required and how it will be used.

8. JOINT INSTRUCTIONS AND CONFLICTS OF INTEREST

Where two or more people instruct us jointly, information provided by one joint client about the joint matter may be shared with the other joint client or clients.

We cannot normally keep information about the joint matter confidential from another joint client.

If a conflict of interest arises, or joint clients no longer have compatible interests, we may have to stop acting for one or all of the clients. Where appropriate, we will recommend that separate independent advice is obtained.

9. THIRD-PARTY AND SPECIALIST PROVIDERS

We may use specialist software providers, document-production services, identity-verification services, secure portals, IT suppliers or professional advisers to help us deliver our services.

We remain responsible for the service we have contracted to provide unless we have clearly explained that you are entering into a separate agreement directly with a third party.

We will tell you about any material third-party involvement, separate contract or unavoidable third-party charge before you agree to proceed.

We do not receive or pay referral fees unless the arrangement has been disclosed to you.

10. FEES, VAT AND ADDITIONAL CHARGES

Before you agree to proceed, we will provide a written quotation confirming:

• The total price for the agreed service.
• Whether the price is for one person or more than one person.
• Whether VAT is included or does not apply.
• What is included within the price.
• Any known third-party fees or expenses.
• The basis on which any charge that cannot be calculated in advance will be worked out.

Additional charges may apply for services such as:

• Identity verification.
• Medical reports.
• Office of the Public Guardian registration fees.
• Specialist tax, financial or legal advice.
• Document storage.
• Postage or courier services.
• Amendments outside the agreed package.
• New work required because your instructions or circumstances have changed.

We will obtain your agreement before carrying out chargeable work outside the original scope.

11. PAYMENT

Your quotation or Engagement Documents will state when payment is due and the payment methods available.

Unless agreed otherwise, we may require payment before beginning substantive drafting work.

If payment is overdue, we may pause work after giving you reasonable notice.

Where more than one person instructs us jointly, each joint client is responsible for the fees. We will not recover more than the amount properly due.

12. DELIVERY AND TIMESCALES

We will provide an estimated timescale within your Engagement Documents or when confirming your instructions.

Our ability to meet that timescale depends on receiving complete information, documents, payment, responses and approval from you. It may also depend on information or services supplied by third parties.

If there is a material delay, we will tell you and provide a revised estimate.

If you require the work by a particular date because of travel, medical treatment or another urgent event, you must tell us before entering into the contract. We will confirm whether we can meet that date.

13. YOUR RIGHT TO CANCEL

If you enter into the contract online, by telephone or away from our business premises, you will normally have the right to cancel within 14 days without giving a reason.

The cancellation period normally begins on the day after the contract is made.

You can cancel by emailing sophie@nextgenerationwills.co.uk or writing to our registered office. You may use the cancellation form at the end of these terms, but you do not have to do so.

We will not begin providing the service during the 14-day cancellation period unless you expressly ask us to begin.

If you ask us to begin during the cancellation period and subsequently cancel, we may charge a proportionate amount for the work completed up to the time of cancellation.

If the service has been fully performed during the cancellation period following your express request and acknowledgement, your right to cancel that completed service may end.

Nothing in this section affects your statutory rights where a service has not been provided with reasonable care and skill.

14. DRAFTS, APPROVAL AND COMPLETION

We will ask you to review draft documents or an order summary before the documents are completed.

Your approval confirms that the factual information and your recorded wishes are correct. It does not remove our responsibility to provide the service with reasonable care and skill.

You must tell us promptly if you notice an error, omission or wording that you do not understand.

A will or other document may have no legal effect until it has been signed, witnessed or registered correctly. We will provide instructions explaining what you need to do.

We are not responsible for an invalid or ineffective result caused by:

• A failure to follow the signing, witnessing or registration instructions.
• An alteration made after the document has been completed.
• Inaccurate or incomplete information provided to us.
• A relevant fact that was withheld from us.
• A later change in your circumstances or the law.

This does not exclude responsibility for our own breach of contract or failure to use reasonable care and skill.

15. REVISIONS AND CHANGES IN CIRCUMSTANCES

Your quotation will state which revisions are included within the agreed price.

A substantial change in your instructions, family circumstances, assets, ownership, tax position or intended outcome may require additional work and a new quotation. We will tell you before incurring an additional charge.

You should review your estate planning regularly and contact us following events such as:

• Marriage or civil partnership.
• Separation or divorce.
• The birth or adoption of a child.
• The death or serious illness of a family member, beneficiary, executor, trustee, guardian or attorney.
• A loss of capacity.
• A material change in your assets, liabilities or business interests.
• Moving to another country.
• A change affecting a beneficiary.
• A material change in the law or taxation.

An annual review reminder is a prompt only. It does not mean that we continuously monitor your affairs or changes in the law.

16. DOCUMENT STORAGE

We do not store original signed documents unless storage is expressly included or separately agreed in writing.

Where storage is agreed, we will explain:

• Which documents will be stored.
• How documents can be retrieved.
• Any relevant charges.
• What will happen if the storage service ends.

Unless storage has been agreed, you are responsible for keeping your original documents safe and ensuring that the appropriate people know how to locate them.

17. CONFIDENTIALITY AND DATA PROTECTION

We will keep your information confidential unless disclosure is:

• Authorised by you.
• Reasonably necessary to provide the agreed service.
• Required by law or a court order.
• Required to prevent or report suspected crime.
• Required by an insurer, auditor or professional adviser who is subject to appropriate confidentiality obligations.

We process personal information in accordance with our Privacy Policy.

Please do not send identity documents, bank details or sensitive family or health information by ordinary email where we have provided a secure portal or another secure method.

18. COMPLAINTS

If you are unhappy with our service, please contact:

Sophie Swanborough

Email: sophie@nextgenerationwills.co.uk

Telephone: 07368 386540

Address: 4 Coronation Terrace, Tarporley, Cheshire, CW6 0AU

Please explain what has happened and the outcome you would like.

We aim to acknowledge a complaint within five working days and provide a final written response within 20 working days. If more time is reasonably required, we will explain why and confirm when you can expect a response.

Your statutory rights are not affected.

19. OUR RESPONSIBILITY TO YOU

We are responsible for loss or damage that is a foreseeable result of our breach of contract or failure to use reasonable care and skill.

We are not responsible for:

• Loss that was not reasonably foreseeable when the contract was made.
• Business loss arising from a contract entered into as a consumer.
• Loss caused by inaccurate, incomplete or withheld information.
• Loss caused by a failure to follow clear signing, witnessing, registration or storage instructions.
• Loss caused entirely by a later change in your circumstances or the law.

Where we have contributed to a loss, we remain responsible to the extent of our contribution.

Nothing in these terms excludes or limits liability where it would be unlawful to do so, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or your statutory consumer rights.

20. EVENTS OUTSIDE OUR REASONABLE CONTROL

We are not responsible for delay caused by an event outside our reasonable control.

If this happens, we will contact you as soon as reasonably possible, take reasonable steps to minimise the effect and provide a revised timescale.

Your legal rights, including any right to cancel because of a serious delay, are not affected.

21. ENDING THE CONTRACT

You may end the contract in accordance with your cancellation rights and any additional rights set out in your Engagement Documents.

We may suspend or end the contract on reasonable notice if:

• You do not make a payment when due.
• You do not provide information or instructions needed to proceed.
• You ask us to act unlawfully, dishonestly or unethically.
• We have concerns about identity, capacity or undue influence.
• A conflict of interest prevents us from continuing.
• The work falls outside the services we are able to provide.

If the contract ends, we will explain:

• What work has been completed.
• Any amount properly due.
• Which documents or information we can provide.
• Any urgent action you should consider taking.

22. GENERAL TERMS

If a court finds that part of these terms is unlawful or unenforceable, the remaining terms will continue to apply.

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

No person other than you and us has the right to enforce the contract, except where legislation provides otherwise.

We may transfer our rights or obligations only where this does not reduce your rights. You may transfer your rights where the law permits or with our written agreement.

23. GOVERNING LAW AND COURTS

These terms and your contract with us are governed by the law of England and Wales.

If you live in England or Wales, the courts of England and Wales will have jurisdiction.

If you live elsewhere in the United Kingdom, you may also have the right to bring proceedings in the courts where you live.

24. CONTACT DETAILS

Next Generation Consultants Ltd trading as Next Generation Wills

Company number: 16716183

Registered in England and Wales

Registered office: 4 Coronation Terrace, Tarporley, Cheshire, CW6 0AU

Email: sophie@nextgenerationwills.co.uk

Telephone: 07368 386540

Website: nextgenerationwills.co.uk

25. CANCELLATION FORM

To: Next Generation Consultants Ltd trading as Next Generation Wills, 4 Coronation Terrace, Tarporley, Cheshire, CW6 0AU

Email: sophie@nextgenerationwills.co.uk

I/We give notice that I/we wish to cancel the contract for the following service:

Service ordered:

Date ordered:

Name of client or clients:

Address:

Signature, if this form is sent on paper:

Date: