Terms of Service
ABN Bookkeeping is a trade name of Acha Service Ltd.
These Terms of Service ("Terms") govern the bookkeeping, payroll, and sales tax services provided by ABN Bookkeeping, a trade name of Acha Service Ltd. ("ABN Bookkeeping," "we," "us") to its clients ("you," "client"). By engaging our services, you agree to the terms below.
1. Services
ABN Bookkeeping provides monthly, quarterly, or annual bookkeeping, payroll processing, and sales tax (GST/HST/PST) filing, along with one-time Catch-Up, Clean-Up, and Start-Up engagements. The specific scope of services for your business will be confirmed during your consultation and reflected in your service plan.
2. Software Requirements
We provide bookkeeping services exclusively through QuickBooks Online and Xero. If your business is not currently using one of these platforms, you agree to migrate to one before services begin. We are unable to provide bookkeeping services on any other accounting software.
3. Bank & Account Access
Providing secure, view-only access to your business bank and credit card accounts is optional. If provided, this access is granted directly through your financial institution and is used solely to retrieve statements and reconcile transactions; ABN Bookkeeping will never have the ability to move funds, make payments, or alter your accounts. If you prefer not to provide this access, you agree to instead submit monthly bank and credit card statements through the shared folder or system established during onboarding (e.g., Google Drive, Dext, or Hubdoc), together with that month's receipts and invoices.
4. Tax & Payroll Filing Access
For GST/HST and payroll filings (including source deductions and T4s), the client may either grant ABN Bookkeeping representative access through the CRA, or provide the business's 4-digit CRA Web Access Code, so that ABN Bookkeeping may file on the client's behalf. Because PST is administered provincially rather than federally, it cannot be filed through CRA representative access; instead, ABN Bookkeeping obtains authorized third-party access directly through the relevant province's tax portal (for example, SETS — Saskatchewan eTax Services — for Saskatchewan-based clients), using information provided by the client such as their PST account number and access code or letter ID, or a completed third-party authorization form. Where a client prefers to retain and file any of the above (PST, GST/HST, or payroll) themselves rather than granting access, ABN Bookkeeping will accommodate this; however, ABN Bookkeeping is not liable for any errors, penalties, interest, or late filings arising from filings submitted directly by the client.
5. Document Submission
Clients are responsible for providing receipts, invoices, timesheets, and any other documentation needed to complete the work, through the shared folder or system established during onboarding (e.g., Google Drive, Dext, or Hubdoc). Timely submission of documents is necessary for us to meet the turnaround times described below.
6. Fees & Payment Terms
- Services are billed monthly in advance. Invoices are issued on the 24th of each month for the following month's services.
- Payment is due by the 1st of the month and must be received before work for that month begins.
- Clients electing quarterly or annual bookkeeping are billed at 75% of the applicable monthly rate. For annual plans, the invoice is issued on the 24th day of the last month of the client's fiscal year, with payment due on the 1st of the following month, before work begins (e.g., for a fiscal year ending December 31, 2025, the invoice is issued December 24, 2025, with payment due January 1, 2026). For quarterly plans, the same structure applies at the end of each quarter (e.g., for a quarter ending March 31, 2026, the invoice is issued March 24, 2026, with payment due April 1, 2026).
- Catch-Up, Clean-Up, and Start-Up projects are quoted and invoiced separately, with payment terms confirmed at the time of quoting.
- Failure to submit payment by the due date may result in a pause of services until payment is received.
We accept payment by Interac e-Transfer, pre-authorized debit (PAD), and credit card (Visa, Mastercard, or American Express). PAD and credit card payments are processed through Plooto. The payment method used for each client is agreed upon during onboarding.
Clients are responsible for notifying ABN Bookkeeping promptly of any change to their payment method (e.g., a new card, closed account, or change in banking details). Failure to do so may result in late payment of invoices or failed PAD withdrawals, including the NSF fee described below.
- If a PAD payment fails to be collected (e.g., due to insufficient funds), a fixed NSF fee of $30 applies. This fee is invoiced to the client separately — either as its own administrative invoice or added to the client's next bill — and is not bundled into any automatic retry of the original payment.
- Payments made by credit card (Visa, Mastercard, or American Express) are subject to a 2.4% transaction fee, applied at the time of payment.
7. Turnaround Times
Under normal circumstances, and provided all required information is received on time, ABN Bookkeeping aims to meet the following:
- Monthly financial statements (where ABN Bookkeeping has bank access): delivered within 15 business days of the bank statement becoming available, provided the client supplies all related invoices, receipts, and other documents within 5 business days of that date.
- Monthly financial statements (where ABN Bookkeeping does not have bank access): delivered within 15 business days of the client providing that month's bank statement, provided the client supplies all related documents within 5 business days of providing the statement.
- Quarterly plans: financial statements delivered within 20–25 business days, provided all related documents are supplied within 10 business days of the relevant cutoff.
- Annual plans: financial statements delivered within 30–40 business days, provided all related documents are supplied within 15 business days of the relevant cutoff.
- Payroll: paystubs issued within 3 business days of receiving all documents related to that payroll. Where additional deductions or other income-related items apply, this timeline depends on ABN Bookkeeping first receiving all necessary information to complete the paystub.
- Sales tax filings: filed at least 2 weeks ahead of the applicable filing deadline (monthly, quarterly, or annually).
- General inquiries: responded to within 24 business hours.
- Catch-Up, Clean-Up, and Start-Up projects: timelines are determined individually based on the scope discussed during your consultation.
The timelines above represent the maximum period a client should expect to wait, provided all required documents are submitted within the applicable window. Actual delivery may be faster, and all timelines remain subject to transaction volume and complexity. Clients are strongly encouraged to submit all required documents before the applicable cutoff to avoid delays.
Client-caused delays: Timelines above depend on ABN Bookkeeping receiving complete and accurate information (documents, approvals, access, or timesheets) within the applicable window described above. If information is provided after the applicable cutoff, or is incomplete, resulting delays to related deliverables — including but not limited to sales tax filings and payroll — are not the responsibility of ABN Bookkeeping. We are not liable for any penalties, interest, or other consequences arising from late or missing client-provided information.
8. Cancellation & Termination Policy
All plans — whether billed monthly, quarterly, or annually — are offered without a long-term contract, and either party may terminate this agreement at any time. To ensure orderly offboarding and to pause automated billing, the client must provide written notice of cancellation (email is sufficient) at least 5 business days prior to the next scheduled invoice date. Cancellations received after this window will apply to the following billing cycle, and the current invoice will remain due and non-refundable.
9. Confidentiality & Data
ABN Bookkeeping treats all client financial information as confidential and will not disclose it to third parties except as required to perform the agreed services (e.g., filing with the CRA) or as required by law. Documents and data are stored using reputable third-party platforms (such as QuickBooks Online, Xero, Google Drive, Dext, or Hubdoc) subject to those providers' own security standards.
10. Accuracy of Information
Our work is based on the information, documents, and access provided by the client. ABN Bookkeeping is not responsible for errors, omissions, or misstatements resulting from inaccurate, incomplete, or falsified information supplied by the client.
11. Limitation of Liability
To the fullest extent permitted by law, ABN Bookkeeping's total liability for any claim arising from our services is limited to the fees paid by the client for the specific service giving rise to the claim in the month in question. ABN Bookkeeping is not liable for indirect, incidental, or consequential damages, including lost profits or penalties assessed by the CRA or other authorities, except where such penalties result directly from our own negligence.
12. Changes to These Terms
We may update these Terms from time to time. Continued use of our services after changes are posted constitutes acceptance of the revised Terms.
13. Governing Law
These Terms are governed by the laws of the Province of Saskatchewan and the applicable laws of Canada.
14. Contact
Questions about these Terms can be directed to info@abnbookkeeping.ca or (306) 381-9656.
See also our Privacy Policy.