Terms and Conditions

1. Introduction

These Terms and Conditions govern your use of our services in relation to Home Responsibilities Protection claims and related State Pension, National Insurance record corrections and Pension Credit entitlements.

“We,” “Us,” and “Our” refer to Kensbridge Ltd. “You” and “Your” refer to the individual using our services.

By using our services, you also agree to the terms of our Conditional Fee Agreement, which governs our success fee and payment structure.

2. Definitions and Scope

Our services include the assessment, preparation and submission of HRP claims, related State Pension and National Insurance record corrections, and Pension Credit entitlement matters.

It is your responsibility to ensure that you meet applicable HRP eligibility criteria as determined by HMRC, DWP and relevant legislation.

• You had caring responsibilities between 1978 and 2010.
• You claimed Child Benefit for a child under 16.
• You may have relevant years where you claimed Child Benefit or had caring responsibilities and were not in full-time employment for the whole tax year.
• You cared for a person with a disability or long-term illness.
• You may have partner, widow, divorce or pension reassessment circumstances.

Receiving Child Benefit or having caring responsibilities does not guarantee that a claim will be submitted or approved. We will review the information you provide, your work-history answers, your National Insurance record and DWP pension evidence before deciding whether a claim should be prepared.

3. Your Responsibilities

• You agree to provide full, accurate and complete information, including information requested during onboarding about your Child Benefit/caring years, work history, children and other parent/partner details where known.
• You will promptly supply supporting documents or information requested by us, HMRC or DWP.
• You confirm that you have reviewed the HRP eligibility criteria.
• You authorise us to act on your behalf, subject to the documents you sign.

4. Our Responsibilities

• We will use reasonable skill and care to process your claim.
• We will keep you informed of significant developments.
• We may refuse or withdraw services where eligibility concerns, fraud or misrepresentation arise.
• We do not guarantee that your claim will be approved.

5. Fees and Payment

Our success fee is 30% plus VAT. VAT is charged at 20% on our 30% fee. In practice, this means the total you pay is 36% of the arrears you actually receive.

• We only charge on backdated arrears actually received.
• We do not charge on ongoing State Pension or ongoing Pension Credit.
• If no arrears are paid, no fee is payable.
• The fee is calculated after any DWP set-off or deductions.
• We will issue our invoice after arrears have been evidenced or otherwise reasonably confirmed. You agree to pay our success fee within 14 days of the invoice date.

We will issue a clear invoice and breakdown showing how the fee has been calculated. Payment can be made by bank transfer, debit card/payment link, telephone-assisted payment, cheque by post, or another reasonable method agreed with us. If you are digitally excluded, need paper copies, cannot scan documents, or need help understanding or paying the invoice, please contact us so we can provide reasonable support. Where appropriate, we may agree a payment plan.

6. Processing Your HRP Claim

We aim to submit your claim within 14 working days from receipt of all necessary information and supporting documents, although this timeline is not guaranteed.

• HMRC processes HRP applications and may update your National Insurance record.
• Where we request National Insurance information from HMRC, we will use your Child Benefit/caring history and work-history answers to limit the request to the years we need to check.
• DWP may then recalculate your State Pension and any arrears due.
• You agree to respond promptly to enquiries from HMRC, DWP or Kensbridge.

7. Estimated vs Actual Recovery

Any online calculators or preliminary assessments are estimates only. Actual arrears or benefit entitlement may differ.

8. Application, Consent and Authorisation

• By submitting an application, you confirm that your information is accurate and complete.
• You authorise us to liaise with HMRC, DWP and relevant government bodies on your behalf.
• You will sign final completed versions of any authority, consent or claim forms we rely on.
• If a CF411 claim form is needed, it will be prepared after evidence review and you will be asked to sign the final completed version before submission.
• We will not change a document after signing. If changes are needed, we will provide a revised version.
• Any State Pension or Pension Credit arrears are paid directly by DWP to you, not to Kensbridge.

9. Cancellation of Your Claim

You have the right to cancel this agreement within 14 days of entering into it without giving any reason and without incurring any fee.
During the 14-day cooling-off period, no fee or charge is payable if you cancel. We may carry out limited preparatory or evidence-request work during that period where you ask us to do so, but no fee or charge will be payable if you cancel within the cooling-off period.

After the cooling-off period, you may cancel at any time. If arrears are later paid to you as a result of work carried out by Kensbridge before cancellation, the agreed success fee may remain payable. No fee is payable if no arrears are paid.

10. Data Protection and Compliance

• Your personal data will be processed in accordance with our Privacy Policy.
• We may contact you by phone, SMS or email about your claim.
• We may verify your identity to meet legal or anti-money laundering obligations.
• We retain signature audit trails and signed documents for compliance purposes.

11. Liability and Indemnity

• Our liability is limited to the greater of £1,000 or the total fees paid by you in the preceding 12 months.
• We are not liable for indirect or consequential losses arising from an unsuccessful claim.
• You agree to hold Kensbridge Ltd harmless against losses caused by inaccurate information you provide.

12. Fraud Prevention and Compliance

We may refuse or terminate services if we suspect fraudulent activity or misrepresentation. You agree to provide authentic and verifiable information.

13. Assignment and Transfer

Kensbridge Ltd may assign, transfer or subcontract rights and obligations where necessary for claim funding or service continuity. This does not transfer your entitlement to arrears.

14. Alternative Agent

If HMRC removes or withdraws Kensbridge Ltd’s authority to act, we may help you instruct an alternative agent. You are not obliged to accept any alternative agent.

15. Severability

If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions remain in full force and effect.

16. Governing Law and Jurisdiction

These Terms are governed by the laws of England and Wales. Disputes are subject to the exclusive jurisdiction of the courts of England.

17. Complaints

If you have any concerns or complaints about our services, please email complaints@kensbridge.co.

18. Amendments

We reserve the right to update these Terms at any time. Continued use of our services after changes are made constitutes acceptance of the revised Terms.

19. Force Majeure / Regulatory Changes

We are not liable for delays or failure to perform obligations caused by events outside our reasonable control, including changes in law, government policy or HMRC/DWP processes.

20. Data Security and Confidentiality

We implement security measures to protect your data. Information provided to us is treated as confidential and used for processing your claim.

21. Client Rights to Updates

You may request updates on your claim. We will make reasonable efforts to keep you informed.

22. Relationship with Government Agencies

Kensbridge is independent of HMRC and DWP. Decisions, delays or changes by HMRC or DWP are outside our control.

23. Client Acknowledgement of Risks

You acknowledge that any claim is subject to HMRC and DWP policies and processing times. We cannot guarantee the outcome or amount recovered.

For questions, contact info@kensbridge.co.