Privacy Policy

1. Who we are

ABL Accounts Ltd ("we", "us", "our") is a company registered in England and Wales, providing accountancy, tax, payroll, bookkeeping, and business analytics services to individuals and businesses in the United Kingdom.

For the purposes of UK data protection law, we are the data controller for personal data collected through this website and in connection with our services.

Registered office: 71-75 Shelton Street, Covent Garden, London WC2H 9JQ
Email: info@ablaccounts.com
Telephone: +44 7473 977007
ICO registration: ZC089637

2. Personal data we collect

Website enquiries

• Name, email address, and telephone number
• Company name and nature of business
• Service interest and the content of your message

Client services

• Identity and contact information
• Financial records, tax history, and business information necessary to provide our services
• Bank account details where relevant to payroll or bookkeeping services
• Identity documentation required for anti-money laundering compliance (proof of identity and proof of address)

Website usage

• Server access logs containing IP addresses (retained by Netlify, our hosting provider, for up to 30 days)
• IP address and browser information transmitted when loading fonts from Google Fonts (no cookie is set — see our Cookie Policy)

3. How we use your data and our legal basis

Purpose	Legal basis
Responding to enquiries and providing service quotes	Legitimate interests (responding to your request)
Providing accountancy, tax, and related services	Performance of contract
Meeting legal and regulatory obligations (HMRC, AML, ICPA)	Legal obligation
Maintaining and improving our website	Legitimate interests
Service-related communications	Performance of contract / Legitimate interests

We do not use your personal data for unsolicited marketing.

4. Who we share your data with

We share personal data only where necessary:

• HMRC — as required by tax legislation
• Companies House — for company secretarial obligations
• Netlify Inc. — our website hosting and form processing provider. Data may be processed on servers in the United States under the UK International Data Transfer Agreement (IDTA) or equivalent safeguards.
• Google LLC — this website loads the Inter typeface from Google Fonts. Your IP address and browser information are transmitted to Google's servers. No cookie is set. See Google's Privacy Policy.
• ICPA — our professional body, where required by professional regulations
• National Crime Agency (NCA) — if we are legally required to submit a Suspicious Activity Report under the Money Laundering Regulations 2017

We do not sell your personal data to any third party.

5. International data transfers

Some of our service providers are based outside the UK. Where we transfer personal data internationally, we ensure appropriate safeguards are in place, such as the UK IDTA, standard contractual clauses, or an adequacy decision by the UK Secretary of State.

6. How long we keep your data

• Accounting and tax records: 7 years from the end of the relevant tax year (HMRC requirement)
• AML verification records: 5 years from the end of the business relationship (MLR 2017)
• Enquiries that did not result in an engagement: 2 years
• Website server logs: Up to 30 days (Netlify)

7. Your rights under UK GDPR

You have the following rights in relation to your personal data:

• Right of access — request a copy of the personal data we hold about you
• Right to rectification — ask us to correct inaccurate or incomplete data
• Right to erasure — ask us to delete your data, subject to our legal obligations to retain certain records
• Right to restriction — ask us to restrict how we process your data in certain circumstances
• Right to data portability — receive your data in a structured, commonly used, machine-readable format
• Right to object — object to processing based on our legitimate interests
• Rights in relation to automated decision-making — we do not make solely automated decisions that produce legal or similarly significant effects about you

To exercise any of these rights, contact us at info@ablaccounts.com. We will respond within one calendar month. There is no charge for making a request.

8. Cookies

We use only essential cookies required for the website to function. We do not use analytics or advertising cookies. For full details, see our Cookie Policy.

9. How to complain

If you have concerns about how we handle your personal data, please contact us first at info@ablaccounts.com so we can try to resolve them directly.

You also have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK's supervisory authority for data protection:

• Website: ico.org.uk
• Phone: 0303 123 1113
• Post: Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF

10. Changes to this policy

We may update this policy from time to time. The date shown at the top of this page indicates when it was last revised. Continued use of our website or services after an update constitutes acceptance of the revised policy.