Terms and Conditions

These Terms and Conditions govern your access to and use of the Torham Law website and any related communications. By browsing this website or submitting an enquiry, you accept these terms. If you do not accept them, please do not use the website.

Engagements for professional services are governed separately by a signed engagement letter or letter of counsel. Where an engagement letter exists, its terms prevail over these Terms and Conditions in the event of any conflict.

Torham Law is a payment consulting firm headquartered in the United Kingdom, with physical presence in Europe and the Middle East, providing corporate structuring, remote bank account opening and business licensing advisory services. References to "Torham Law", "we", "us" and "our" mean the firm and its operating entities.

The content on this website is provided for general information only. Nothing on this website constitutes legal, tax, financial or investment advice, and nothing on it should be relied upon as a substitute for formal advice on your specific circumstances.

A client relationship, including any duty to advise, arises only when a matter is accepted in writing following our conflict and due-diligence procedures.

Torham Law provides introductions, structuring advice and application support to banks, payment institutions, licensed agents and regulators. We do not own or control any third party bank, payment provider, regulator or registry. As a result:

• We do not guarantee that any bank account, payment facility, licence or company formation will be approved, and timelines given are indicative only.
• Approval decisions rest solely with the relevant institution or authority, acting within its own risk appetite and compliance framework.
• Fees paid for work performed are generally non-refundable once engagement work has commenced, except where expressly stated in your engagement letter.

Before and during any engagement, you agree to provide accurate, complete and up-to-date information about yourself, your business, its ownership, sources of funds and the nature of its activities. You must promptly disclose any material change to that information.

We are required to apply anti-money-laundering and counter-terrorist-financing checks proportionate to the high-risk sectors we serve. We may decline, suspend or terminate an engagement where due diligence cannot be completed satisfactorily, or where we suspect unlawful activity. No liability arises from a refusal made in good faith.

Our services are provided on the strict understanding that they will be used only for lawful purposes. You must not use our services, or any structure or account we help establish, to facilitate money laundering, terrorist financing, fraud, sanctions evasion, tax evasion or any other unlawful activity. We may report concerns to the relevant authorities where the law requires or permits it.

Fees for services are quoted in advance in your engagement letter and are payable on the terms stated there. Third-party costs — such as government filing fees, registered agent fees, bank application fees or translation and notarisation costs — are payable in addition and may be invoiced as incurred. Outstanding invoices may result in work being paused until payment is received.

To the fullest extent permitted by law, Torham Law excludes liability for indirect, special or consequential loss, including loss of profit, revenue, business, goodwill or data, arising from your use of this website or our services. Where liability cannot be excluded, it is limited to the fees actually paid to us for the specific engagement giving rise to the claim. Nothing in these terms excludes liability that cannot lawfully be excluded, including for death or personal injury caused by negligence or for fraud.

All content on this website — including text, graphics, logos and design — is owned by or licensed to Torham Law. You may view and print pages for your own reference. You may not reproduce, republish or commercially exploit any part of this website without our prior written consent.

This website may contain links to third-party websites. These are provided for convenience; we do not endorse and are not responsible for their content, policies or availability.

These Terms and Conditions and any dispute arising out of your use of this website are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction, save where mandatory local law provides otherwise.

We may update these Terms and Conditions from time to time. The version published on this page applies to your use of the website from the date of publication. Questions about these terms can be sent to counsel@torhamlaw.com or by telephone at +44 7447 184322.