Terms and Conditions
Anj Handa Associates | Inspiring Women Changemakers
Last updated: April 2026
These Terms and Conditions govern both the use of this website and the engagement of services provided by Anj Handa Associates. Anj Handa Associates is a sole trader business operating under the trading name Inspiring Women Changemakers, registered in England. References to ‘we’, ‘us’, or ‘Anj Handa Associates’ throughout these Terms refer to that sole trader. References to ‘the Client’ or ‘you’ refer to the individual or organisation engaging our services or using this website.
1. Website Operator
This website is operated by Inspiring Women Changemakers, a trading name of Anj Handa Associates. We are a sole trader registered in England. You can contact us at anj@inspiringwomenchangemakers.co.uk.
2. Licence to use this website
2.1 Inspiring Women Changemakers grants you a non-exclusive, non-transferable licence to use this website in accordance with these Terms and Conditions.
2.2 We may terminate this licence at any time without notice.
3. Website Materials and Intellectual Property
3.1 This website contains material owned by or licensed to us, including design, layout, appearance, graphics, and written content. It is protected by intellectual property laws including copyright.
3.2 You may view, download, and store material from this website for personal use or for the purpose of conducting business with us. Commercial use is not permitted without our prior written consent. Redistribution or republication to third parties without our consent is prohibited.
3.3 Unauthorised use of this website may give rise to a claim for damages and may constitute a criminal offence.
4. Accuracy of Information
4.1 Information on this website is provided in good faith and for general interest only. It is subject to change without notice. We make no warranty as to its accuracy.
4.2 Nothing on this website constitutes professional advice or a recommendation. You confirm by using this website that you have not relied on any such information as professional advice.
5. Links to Third-Party Websites
5.1 This website may contain links to third-party websites. We accept no responsibility for the content of websites outside our control. A link does not constitute an endorsement of any kind.
6. Liability
6.1 We do not guarantee that use of this website will be compatible with all hardware and software.
6.2 Except as set out in clause 6.3, we will not be liable to you for any injury, death, damage, or loss (including economic loss, loss of profits, or loss of business) arising from use of or reliance on this website or its contents.
6.3 Nothing in these Terms excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any matter that cannot lawfully be excluded.
6.4 Anj Handa Associates holds Professional Indemnity Insurance with Simply Business. Public Liability is covered up to £1,000,000 and Professional Indemnity at £250,000. A copy of our Insurance Certificate is available on request.
7. Terms & Conditions of Engagement
These engagement terms apply to all consultancy, advisory, facilitation, writing, and related services provided by Anj Handa Associates. They form part of the agreement between Anj Handa Associates and the Client, together with the Work Outline issued for each engagement.
7.1 Payment Terms
Our standard payment terms are upfront payment within 14 days of invoice, unless a different arrangement is agreed in writing before the engagement begins. Any agreed variation will be noted on invoices issued by Anj Handa Associates.
As a sole trader, Anj Handa Associates is not VAT registered. All fees quoted are exclusive of any applicable expenses unless otherwise stated. No VAT will be charged.
7.2 Multi-Phase Projects and Payment Structure
Where an engagement comprises more than one phase, stage, or distinct deliverable, a phased payment schedule will be set out in the Work Outline. The following principles apply to all multi-phase engagements:
- A mobilisation fee of between 30% and 50% of the total agreed fee is payable on or before the start of the engagement. This fee is non-refundable once work has commenced, as it covers preparation, scoping, and the reservation of dedicated capacity.
- Subsequent phase payments are triggered by the date agreed in the Work Outline, or by delivery of the relevant phase output by Anj Handa Associates, whichever occurs first. Phase payments are not contingent on the Client’s internal approval, feedback, or readiness to proceed.
- The final payment, representing no more than 25% of the total fee, is due on completion of the final deliverable.
Where no phased schedule is specified in the Work Outline, the full fee is payable upfront in accordance with clause 7.1.
7.3 Client Delay and Project Pause
Where a confirmed phase or piece of work does not commence within four weeks of the agreed start date due to factors within the Client’s control, the following applies:
- Anj Handa Associates will notify the Client in writing that a delay has been identified.
- If the phase has not commenced within a further two weeks of that notice, a holding fee equivalent to 20% of the delayed phase fee will be invoiced and is payable within 14 days. This holding fee compensates for reserved capacity and continued availability.
- A revised timeline must be agreed in writing within 30 days of the original agreed start date. If no revised timeline is agreed within that period, the delayed phase will be treated as a cancellation under clause 7.6.
This clause does not apply where delay is caused by factors outside the Client’s reasonable control, as defined under clause 7.7 (Force Majeure).
7.4 Scope of Work
The agreed scope of work is set out in the Work Outline issued for each engagement. Any request by the Client for work that falls outside the agreed scope will be treated as a variation.
Anj Handa Associates will notify the Client in writing where a request constitutes out-of-scope work, along with a revised fee for that additional work. Out-of-scope work will not be undertaken without written agreement on the additional fee. Verbal agreements will not be binding for variations to scope.
Time spent on work that expands beyond the agreed scope without a written variation agreement may be invoiced at the applicable day or half-day rate at the sole discretion of Anj Handa Associates.
7.5 Late Payments
Anj Handa Associates reserves the right to recover late payment charges and statutory interest under the Late Payment of Commercial Debts (Interest) Act 1998 and The Late Payment of Commercial Debts Regulations 2013.
Where a payment date is agreed, it must be within 30 days for public authorities or 60 days for business transactions. Where no payment date is agreed, payment is considered late 30 days after the Client receives the invoice, or after delivery of the relevant service, whichever is later.
Anj Handa Associates reserves the right to suspend work on any active engagement where an invoice remains unpaid beyond its due date, without liability for any resulting delay.
7.6 Revisions
Two revisions to documents prepared for the Client, or to dates set for service delivery, are included within the agreed fee, subject to good reason being given and a minimum of 48 hours’ notice being provided.
Any further revisions beyond those included may be subject to additional fees, which must be agreed in writing before the additional revision work is undertaken.
7.7 Cancellation
7.7.i Cancellation by Either Party
Either party may terminate this Agreement on 30 days’ written notice. Where both parties wish to terminate by mutual agreement, the termination date shall be as agreed between them.
On termination, Anj Handa Associates will facilitate an orderly transition of any work in progress and will provide the Client with copies of all relevant documents and records produced up to the termination date.
7.7.ii Kill Fee: Cancellation Without Cause
The following fees are payable in the event of cancellation without good cause by either party. For multi-phase projects, these percentages apply to the fee for the cancelled phase or phases, not solely the remaining balance:
- Cancellation 3 months or more before the confirmed start of the relevant phase or delivery date: 25% of the applicable fee remains payable.
- Cancellation 1 month or more before the confirmed start: 50% of the applicable fee remains payable.
- Cancellation less than 1 month before the confirmed start: 100% of the applicable fee remains payable.
Where a mobilisation fee has already been paid under clause 7.2, it will be offset against any kill fee due. It will not be refunded in addition to a kill fee.
7.7.iii Cancellation with Good Cause
In the event of cancellation with good cause, Anj Handa Associates and the Client will agree an amount sufficient to cover actual losses directly resulting from cancellation, including costs already incurred and loss of profit on work completed to date. These charges will represent a genuine estimate of direct loss.
7.7.iv Force Majeure
Where delivery cannot proceed due to circumstances outside either party’s reasonable control, both parties will endeavour to agree alternative arrangements and reschedule accordingly. The terms of this Agreement will continue to apply.
Force Majeure means any cause genuinely outside a party’s reasonable control, including but not limited to pandemic, fire, flood, act of God, civil unrest, war, judicial order, or the incapacity or death of key personnel essential for delivery. A banking or administrative difficulty within the Client’s organisation does not constitute Force Majeure for the purposes of this Agreement.
7.7.v Consumer Cancellation Rights
Where the Client is a consumer rather than a business, the cancellation period ends 14 days after the date the contract is entered into, in accordance with The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, unless regulation 31 applies.
In advance of delivery, the Client will receive a Work Outline prepared by Anj Handa Associates in consultation with the Client. The Work Outline references these Terms and Conditions and, where accepted without query, forms part of the Agreement between the parties.
In the event that the nominated Anj Handa Associates delivery partner is unwilling or unable to undertake an agreed piece of work, an appropriate substitute may be engaged by Anj Handa Associates. Any such substitute will:
- Be equally skilled, qualified, security cleared, and capable of delivering the agreed outputs
- Not be interviewed by the Client prior to starting, except for verification checks
- Not be drawn from a pool of workers regularly engaged by the Client as an end client
- Deliver all agreed outputs as specified in the Work Outline
Two revisions to documents prepared for the Client, or to dates set for service delivery, are included within the agreed fee, subject to good reason being given and a minimum of 48 hours’ notice being provided.
Any further revisions beyond those included may be subject to additional fees, which must be agreed in writing before the additional revision work is undertaken.
7.8 Contract Delivery and Substitution
Where a confirmed phase or piece of work does not commence within four weeks of the agreed start date due to factors within the Client’s control, the following applies:
- Anj Handa Associates will notify the Client in writing that a delay has been identified.
- If the phase has not commenced within a further two weeks of that notice, a holding fee equivalent to 20% of the delayed phase fee will be invoiced and is payable within 14 days. This holding fee compensates for reserved capacity and continued availability.
- A revised timeline must be agreed in writing within 30 days of the original agreed start date. If no revised timeline is agreed within that period, the delayed phase will be treated as a cancellation under clause 7.6.
This clause does not apply where delay is caused by factors outside the Client’s reasonable control, as defined under clause 7.7 (Force Majeure).
8. Privacy and Data Protection
Our Privacy Policy forms part of these Terms and Conditions and sets out how we collect, use, and protect personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
9. Entire Agreement
These Terms and Conditions, together with the Privacy Policy referred to in clause 8 and any Work Outline issued for a specific engagement, constitute the entire agreement between the parties in relation to the subject matter covered. They supersede all previous agreements, representations, or understandings, whether oral or written.
No variation to these Terms shall be binding unless agreed in writing between the parties.
10. Governing Law and Jurisdiction
This Agreement is governed by the laws of England and Wales. Any dispute arising out of or in connection with these Terms and Conditions or any engagement under them shall be subject to the exclusive jurisdiction of the courts of England and Wales.
Your continued use of this website indicates your acceptance of these Terms and Conditions.
