Website terms

About these terms

39 Financials is a trading name of Harvee Patterson, a sole trader based in England. Address: 21 Bennett Close, Thurston, Bury St Edmunds, IP31 3US, United Kingdom. Email: harvee@39financials.com.

These terms apply to your use of this website. By using it, you accept them. They don't cover the services we provide to clients, which are agreed separately in writing, or 39 Apps, which has its own terms.

Using this website

You may use this website for lawful purposes only. Please don't try to gain unauthorised access to it, interfere with how it works or introduce anything harmful.

Information on this website

Content on this website is general information, not professional, financial or tax advice for your specific situation. Don't rely on it without speaking to us or another suitable adviser. We work to keep it accurate and up to date, but we can't guarantee that it always is.

Intellectual property

The content, design and code of this website belong to us or are used with permission. You may view and share pages for personal or internal business use, but please don't copy or republish them without our permission.

Xero and the Xero Certified Advisor logo are trademarks of Xero Limited and are used under licence. Other product names mentioned belong to their owners and are used only to describe compatibility.

Links to other websites

Where we link to other websites, we do so for information only. We're not responsible for their content or how they handle your information.

Our responsibility to you

We don't exclude or limit our liability where it would be unlawful to do so, including for death or personal injury caused by our negligence or for fraud. Otherwise, we're not liable for any loss arising from use of, or reliance on, this website.

Changes

We may update these terms from time to time. The version on this page applies whenever you use the site.

Law

These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction.

Last updated 15 October 2026.