Talk Immigration Ltd – Terms of Business

Effective from: 3 September 2026 | Version 1.0 | Review date: 3 September 2027

Important: These Terms of Business explain the general basis on which Talk Immigration Ltd provides immigration advice and services. The specific work agreed for an individual matter, the professional fee and any matter-specific arrangements will be confirmed in the Client Care Letter. If there is any inconsistency, the Client Care Letter will take priority for that particular matter.

1. About Talk Immigration Ltd

Talk Immigration Ltd is a company registered in England and Wales (Company Number 17138114) with registered office at 45 Clarkson Drive, Beeston, Nottingham, NG9 2WA, United Kingdom.

Talk Immigration Ltd is regulated by the Immigration Advice Authority (IAA) at Level 1. Organisation reference: F202641530. Adviser: Wagner Silva Ferreira, Adviser Number P053920.

Wagner Silva Ferreira is also a Scottish Solicitor and a qualified lawyer in Brazil and Portugal. However, Talk Immigration Ltd is not presently operating as a Scottish solicitors’ practice and these Terms relate to immigration advice and services provided by Talk Immigration Ltd under its IAA authorisation.

2. Scope of Our Services

We provide immigration advice and services only within the scope of our IAA Level 1 authorisation and within our competence. The precise scope of work we agree to undertake for you will be set out in writing in your Client Care Letter.

We may assist with straightforward immigration and nationality matters that fall within our authorised scope, including selected visa, settlement, citizenship, sponsor and related services. We will assess the circumstances before accepting instructions.

We do not undertake work that falls outside our authorisation or competence. This includes, where applicable, asylum and protection matters, deportation and removal matters, immigration appeals or tribunal representation, judicial review, litigation, or matters requiring complex discretionary, exceptional or contested arguments beyond our authorised level.

If a matter falls outside our scope at the outset, or becomes unsuitable for us after work has begun, we will tell you promptly. Where appropriate, we may suggest that you seek assistance from another suitably qualified and regulated adviser or legal professional.

3. Free Initial Assessment and Formal Advice

We may offer a free initial assessment through our website, email or other enquiry channels. This is intended to help us understand the broad nature of your circumstances and to indicate whether we may be able to assist.

A free initial assessment is based only on the information you provide. It is preliminary, may be brief, and is not a substitute for a formal consultation or full immigration advice. Submitting an enquiry or receiving a preliminary response does not, by itself, create a client relationship or oblige Talk Immigration Ltd to accept your case.

A client relationship begins only when we have agreed to act for you and the relevant engagement arrangements have been confirmed in writing, normally through a Client Care Letter or other written confirmation of instructions.

4. Initial Consultation

Where you book a paid consultation, the duration and fee applicable at the time of booking will be shown on our website or otherwise confirmed to you before the appointment. The consultation is intended to provide focused advice based on the information available at that stage.

Where our published terms state that the consultation fee will be credited against the professional fee if you subsequently instruct Talk Immigration Ltd for full representation, that credit will be applied in accordance with the written fee quotation or Client Care Letter for the matter.

A consultation does not guarantee that we will be able to accept the matter. If information provided during the consultation shows that the matter falls outside our authorised scope or competence, we will explain this to you.

5. Your Client Care Letter

Before substantive casework begins, we will normally provide you with a Client Care Letter setting out the key terms of our engagement. This will normally include:

· the work we have agreed to carry out and any limitations on that work;

· the professional fee or the basis on which fees will be calculated;

· the payment arrangements and any agreed stages of work;

· any known or anticipated third-party costs or disbursements;

· your responsibilities and the information or documents we require from you;

· the person responsible for your matter and how we will communicate with you;

· our complaints procedure and other important client-care information.

You should read the Client Care Letter carefully and tell us promptly if anything is unclear or does not reflect your understanding of the work agreed.

6. Fees and Charges

Our professional fees are determined by the nature of the service, the circumstances of the case, the amount and quality of supporting evidence, the number of applicants and the work reasonably required. Our website Fee Scale provides typical professional fee ranges for selected services.

The fee that applies to your individual matter will be confirmed in writing before substantive work begins. A published fee range is indicative only and does not replace the written fee agreed for your case.

We generally prefer fixed fees where the scope of work can reasonably be defined. If a fixed fee is not suitable, we may agree another charging basis with you in writing before the relevant work is undertaken.

If additional work becomes necessary outside the scope originally agreed, we will explain the additional work and any additional fee before carrying it out. We will not undertake chargeable additional work without informing you and obtaining your agreement.

7. VAT

VAT will be charged only if and when it is legally applicable to Talk Immigration Ltd. Where VAT is chargeable, this will be stated clearly in the relevant quotation, Client Care Letter or invoice.

8. Home Office Fees and Other Third-Party Costs

Our professional fees do not normally include Home Office application fees, the Immigration Health Surcharge, biometric charges, priority or super-priority service fees, translation or interpreting fees, English language or Life in the UK test fees, courier or postage charges, expert reports, medical reports, or other third-party costs unless expressly stated in writing.

Government and third-party fees may change and are outside our control. Where reasonably possible, we will explain known third-party costs or provide the best estimate available before you incur them.

Unless otherwise agreed in writing, you are responsible for paying government and third-party charges when they fall due.

9. Payment Arrangements and Client Money

The payment arrangements for your matter, including when payments are due and the accepted payment methods, will be set out in the Client Care Letter, invoice or other written communication.

Where money received from you is classified as client money, it will be handled separately from the company’s own money and in accordance with applicable IAA requirements and our client-money arrangements. Client money will only be transferred to the business account when properly due, for example after the corresponding work has been carried out and invoiced where required.

Receipts or appropriate payment records will be maintained for payments received.

10. Refunds and Unused Funds

If money held on your behalf is no longer required for the purpose for which it was paid, any amount properly due to you will be returned promptly, subject to any lawful deduction for work already completed or costs properly incurred.

If our engagement ends before all agreed work is completed, we will account for the work properly carried out and any sums properly due. Any remaining client money that should be returned to you will be repaid without unnecessary delay.

11. Your Responsibilities

You are responsible for giving us complete, accurate and truthful information and for telling us promptly about any change that may affect your immigration matter. You must not knowingly provide false or misleading information or documents.

You are also responsible for:

· providing requested documents and information within reasonable timescales;

· checking information and draft forms carefully when asked to do so;

· informing us immediately of any Home Office communication, change of address, travel plan, criminal matter, relationship change, employment change or other significant development relevant to your case;

· meeting agreed payment obligations and paying government or third-party fees when required;

· attending appointments, biometric enrolment or other required events on time.

We may be unable to continue acting if you fail to provide necessary instructions, information, documents or payment, or if continuing would create a regulatory, legal or professional difficulty.

12. Identity, Due Diligence and Compliance Checks

We may require evidence of identity, address, immigration status, source of funds or other information reasonably necessary for regulatory, legal, fraud-prevention or risk-management purposes. We may delay or decline to begin substantive work until appropriate checks have been completed.

We reserve the right to decline or cease acting where we cannot complete required checks satisfactorily, where information appears materially inconsistent or misleading, or where continuing to act would breach a legal or regulatory obligation.

13. Communication

Our primary methods of communication may include email, telephone, video meeting and other agreed electronic channels. Unless otherwise agreed, important advice, decisions and material case updates may be confirmed in writing.

You should ensure that the contact details you provide remain current and that you check your email, including spam or junk folders, regularly. We are not responsible for delay caused solely by outdated or incorrect contact details supplied by you.

Electronic communication carries inherent risks, including delay, interception, malware and accidental disclosure. We take reasonable steps to use appropriate systems and security measures, but no electronic communication method can be guaranteed to be completely secure.

14. Documents and Records

We will maintain appropriate records of the advice and services provided. Client records will be retained in accordance with applicable regulatory, legal and data-protection requirements. Our Privacy Policy explains how we collect, use, store and protect personal information.

Original documents should not be sent to us unless requested or agreed. Where we hold originals, arrangements for return will be made when appropriate.

15. Confidentiality and Data Protection

We will treat information relating to your matter as confidential, subject to applicable law, regulatory obligations and other lawful exceptions. Information may be disclosed where necessary to provide the agreed service, where you authorise disclosure, or where disclosure is required or permitted by law or regulation.

Our handling of personal data is governed by our Privacy Policy, which forms part of the information available to clients on our website.

16. Use of Third-Party Service Providers

We may use reputable third-party providers for services such as secure email, cloud storage, website hosting, appointment booking, payment processing, translation, document handling or other administrative and professional support. Where we do so, we will take reasonable steps to use providers appropriate to the nature of the service and our data-protection obligations.

We do not accept responsibility for the acts or omissions of an independent third-party provider that you engage directly, although we will take reasonable care when making any professional referral or recommendation.

17. Timescales and Home Office Decisions

Any timescale we give for preparing or progressing your matter is an estimate unless expressly agreed otherwise. Progress depends on factors including the complexity of the matter, how quickly you provide information and documents, and the availability or response times of third parties.

We cannot guarantee Home Office processing times, the timing of any decision, or the outcome of an application. Immigration decisions are made by the relevant government authority, not by Talk Immigration Ltd.

We will not promise or guarantee that an application will succeed. Our role is to provide competent advice and assistance based on the facts, documents and law available to us.

18. Changes in Immigration Law or Policy

Immigration law, the Immigration Rules, Home Office guidance, fees and policy can change frequently. Advice is given by reference to the law, policy and information reasonably available at the time it is provided.

If a relevant rule or policy changes while we are acting for you, we will consider the effect on your matter as part of the agreed scope of work. Significant additional work arising from an unexpected change may require a revised scope or additional fee, which will be discussed with you before that work is undertaken.

19. Conflicts of Interest

Before or during an engagement, we may carry out conflict checks. We may decline to act, or may need to stop acting, if an actual or significant potential conflict of interest arises or if continuing would not be professionally appropriate.

20. Ending Our Engagement

You may end our engagement at any time by notifying us. We may also stop acting where there is a good reason, including failure to provide instructions or documents, non-payment of agreed fees, loss of confidence, misleading information, abusive or inappropriate conduct, a conflict of interest, or a legal or regulatory reason that prevents us from continuing.

Where reasonably possible, we will give appropriate notice and explain the practical consequences of termination. You remain responsible for fees and costs properly incurred up to the date the engagement ends.

Ending our engagement does not affect any rights or obligations that have already arisen, including confidentiality, data-protection, record-retention and payment obligations.

21. Referrals to Other Professionals

If you require advice or representation outside our authorised scope or competence, we may suggest another regulated adviser, solicitor or professional. Any referral is intended to help you identify an appropriate source of assistance; the referred professional is responsible for their own advice, work, terms and fees.

We will not disclose confidential information to a referred professional without an appropriate lawful basis, which may include your consent where required.

22. Professional Indemnity Insurance

Talk Immigration Ltd maintains professional indemnity insurance appropriate to its regulated immigration advice activities. Details can be provided where required or appropriate.

23. Complaints

We aim to provide a high standard of service and client care. If you are dissatisfied with any aspect of our service, you may use our Complaints Procedure, which is available on our website or on request.

Complaints may be made verbally or in writing. Our Complaints Procedure explains how we investigate complaints, applicable timescales, possible remedial action and your right to complain to the Immigration Advice Authority where appropriate.

Raising a complaint will not adversely affect the way you are treated or the proper handling of your immigration matter.

24. Limitation and Nature of Our Responsibility

We are responsible for providing the immigration advice and services that we have agreed to undertake with reasonable care and skill and in accordance with our regulatory obligations.

We are not responsible for losses caused by inaccurate or incomplete information supplied by you or a third party, your failure to follow advice or meet deadlines, changes in law or policy after advice was given, Home Office or third-party delay, or matters outside the agreed scope of our work, except to the extent that responsibility cannot lawfully be excluded or limited.

Nothing in these Terms excludes or limits liability where it would be unlawful to do so, including liability for fraud or fraudulent misrepresentation or any other liability that cannot lawfully be excluded.

25. Website Information

Information on our website, social media channels, articles, videos or other general publications is provided for general information only. It is not a substitute for advice on an individual case and should not be relied upon as creating a client relationship.

26. Governing Law and Jurisdiction

These Terms of Business and our engagement are governed by the law of England and Wales, unless the Client Care Letter expressly provides otherwise. Subject to any applicable consumer rights or mandatory legal rules, the courts of England and Wales will have jurisdiction in relation to disputes arising from these Terms or our engagement.

27. Changes to These Terms

We may update these Terms of Business from time to time. Updated website terms will normally apply to new instructions accepted after the date of the update. Changes will not alter terms already agreed for an existing matter unless the change is required by law or regulation or is separately agreed with you in writing.

28. Contact Details

Talk Immigration Ltd

Registered in England and Wales – Company Number 17138114

Registered Office: 45 Clarkson Drive, Beeston, Nottingham, NG9 2WA, United Kingdom

Email: wagner@talkimmigration.co.uk

Telephone: 07359 614 479

IAA Organisation Reference: F202641530 | Adviser Number: P053920 | Authorisation: Level 1