Staqq | Terms of Service

1. About these Terms and who we are

These Terms of Service ("Terms") form an agreement between you and Staqq Ltd ("Staqq", "we", "us", "our"), a company registered in England and Wales (Company No. 17336294), registered office Suite 7, 94 Chatsworth Road, Croydon, Surrey, CR0 1HB. By creating an account or using the Staqq app or website (the "Service"), you accept these Terms.

Regulatory status. Staqq operates the Service as a technology platform and marketplace that connects customers with merchants. Staqq does not hold, receive, store, control or move customer or merchant funds at any point. All payments are processed by Stripe, and money settles directly into the merchant's own Stripe account without passing through Staqq.

Because Staqq never holds or controls funds and does not itself provide a regulated payment or electronic money ("e-money") service, Staqq is not carrying on a regulated activity through the Service and is not required to be authorised by the Financial Conduct Authority (FCA). Staqq is not a bank, e-money institution or payment institution. Payment services are provided by Stripe Payments UK Ltd (operating as Stripe Connect), a payment services provider authorised and regulated by the FCA, under Stripe's own terms with you and with merchants.

2. How Staqq works — the marketplace model

Staqq is a marketplace technology platform. It lets participating merchants give change to customers through the app. Staqq itself is not a party to the sale between you and a merchant, and does not process the payment.

Your payment. When a merchant pays you through Staqq, the payment is processed by Stripe from the merchant's account and settled into your account. Staqq collects a platform fee on each transaction. At no point does the payment pass through, or sit in, a Staqq account.
Stripe's role. Stripe processes payments, carries out merchant onboarding and identity verification (KYC), holds and settles funds, and makes payouts to merchants. Stripe also handles the secure capture of card and payment details.
Staqq's role. Staqq provides the marketplace technology, lists merchants, connects you to them, and supports you on the platform itself. Staqq does not control, guarantee or take responsibility for the goods or services a merchant provides, or for the payment processing performed by Stripe.

3. Eligibility

To use the Service you must be at least 18 years old, resident in the United Kingdom, have legal capacity to enter into these Terms, and not be subject to sanctions or otherwise prohibited from using the Service under applicable law. By using Staqq you confirm that you meet these requirements.

4. Your account (customers)

To use the Service you may open an account. You agree to provide accurate, current and complete information; keep your credentials secure and not share them; and tell us immediately if you suspect unauthorised access.

Your card and payment details are collected and processed directly by Stripe. Staqq does not see, collect or store your full card number or bank details. Stripe, and not Staqq, may carry out identity or verification checks on customers where required for payment processing or fraud prevention.

5. Merchant accounts and Stripe onboarding

Merchants using the Service must create a Stripe Connect account through Staqq and complete Stripe's onboarding. As part of that onboarding, Stripe collects and verifies the merchant's identity (KYC) and business details and collects bank details for payouts. Staqq does not collect or store merchant KYC documents.

Additional Stripe terms. By onboarding, merchants also enter into the Stripe Connected Account Agreement / Stripe Services Agreement directly with Stripe. Those terms govern the payment service. Where there is any conflict between these Terms and Stripe's terms on a payment matter, Stripe's terms prevail for that matter.
Merchant responsibilities. Merchants are responsible for the accuracy of their listings and pricing, for the goods and services they sell, for applicable taxes, and for handling refunds and customer queries about their goods and services.

6. Payments, fees, refunds and disputes

Processing. All payments are processed by Stripe. Stripe's processing fees apply to each transaction.
Staqq platform fee. Staqq charges a platform fee of £7 a month to merchants.
Refunds. Because Staqq does not hold funds, Staqq cannot itself issue refunds. Refunds are processed by the merchant through Stripe. Requests for a refund should be raised with the merchant.
Chargebacks and payment disputes. Payment disputes and chargebacks are handled between the customer, the merchant and Stripe under Stripe's processes.
Goods and services disputes. Any dispute about the goods or services you buy is between you and the merchant. Staqq is not a party to that contract but will provide reasonable assistance in connecting you with the merchant.

7. Acceptable use

You must not use the Service to break the law or any regulation; to defraud or impersonate; to sell or buy prohibited or unlawful goods or services; to open multiple accounts or misrepresent your identity; to circumvent Stripe's onboarding, verification or payment controls; or to reverse-engineer, tamper with or disrupt the Service.

8. Intellectual property

The Staqq name, logos, software and content are owned by Staqq Ltd or its licensors. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for your own personal, non-commercial use (or, for merchants, to operate your listings on the marketplace). No other rights are granted.

9. Our responsibility to you

We are responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our failure to use reasonable care and skill, but we are not responsible for loss or damage that is not foreseeable.

Nothing in these Terms limits or excludes our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; or any right you have under the Consumer Rights Act 2015 or other law that cannot be excluded or limited.

Staqq is not responsible for the payment processing carried out by Stripe, nor for the goods or services provided by merchants; those are the responsibility of Stripe and the relevant merchant respectively. Payment-services protections under the Payment Services Regulations 2017 apply, where relevant, as between you and Stripe as your payment service provider.

10. Suspension and termination

We may suspend or close your account where we reasonably suspect fraud or a breach of these Terms, or to protect you, other users or the Service. Stripe may independently suspend, restrict or close a connected account or payment functionality under its own terms. You may close your account at any time via our account deletion page. As Staqq holds no money, there is no balance held by Staqq to return on closure; any funds held or in transit at Stripe are dealt with under Stripe's terms.

11. Changes to the Service and these Terms

We may change the Service or these Terms and will give reasonable notice of material changes through the app or by email. If you do not agree to a change you may close your account before it takes effect.

12. Complaints

If something goes wrong with the platform, please contact us at info@staqq.co.uk so we can put it right. Complaints about payment processing or a Stripe account are handled by Stripe under its terms, and you may have access to the Financial Ombudsman Service in relation to Stripe as the regulated payment provider. For concerns about your personal data you may also contact the Information Commissioner's Office (ico.org.uk).

13. Governing law and jurisdiction

These Terms are governed by the laws of England and Wales. Disputes will be dealt with by the courts of England and Wales. If you are a consumer, you may also bring proceedings in the courts of the part of the United Kingdom in which you live.

14. General

Force majeure — we are not liable for failures caused by events beyond our reasonable control.
Assignment — we may transfer these Terms to another entity with notice to you and without reducing your rights; you may not transfer yours without our consent.
Third-party rights — no one other than you and Staqq has rights under these Terms.
Severability — if any provision is found unenforceable, the rest continue in force.
Entire agreement — these Terms, the Privacy Policy and (for merchants) the applicable Stripe terms form the whole agreement between us. These Terms are provided in English.

15. Contact

Staqq Ltd, Suite 7, 94 Chatsworth Road, Croydon, Surrey, CR0 1HB, United Kingdom. Email: info@staqq.co.uk.