Terms of Services Agreement

The Gridpay Terms of Services Agreement (“Agreement”) is a legal agreement between Gridpay Ltd. (“Gridpay”, “we” or “us”) and the entity or person (“you”, “your”, or “user”) who registered on the Gridpay Registration page to receive certain payment and other business services that may be offered by Gridpay and its affiliates (each, a “Service”). This Agreement describes the terms and conditions that apply to your use of the Services that we provide. The general terms also cover “guests” (a person who is not registered at Gridpay) visiting our website.

Gridpay is located at:
Wingham Works, Goodnestone Road , Wingham
Kent - CT3 1AR, United Kingdom

By accessing this website we assume you accept these terms and conditions in full. Do not continue to use Gridpay´s website if you do not accept all of the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: “Client”, “You” and “Your” refers to you, the person accessing this website and accepting the Company´s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the User and ourselves, or either the User or ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the Company´s stated services/products, in accordance with and subject to, prevailing law of the United Kingdom. Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to same.

Gridpay is only available for UK businesses. Your business must be registered at Companies House and you must provide us your company number during the registration process for us to verify.

We require a company representative and any person/s that own 25% or more of the company to be registered and verified with us. For identification purposes we require either a high quality colour image of the entire photograph page of your passport or a high quality colour image of the front and back of your drivers license.

Privacy

The privacy section describes how your personal information is collected, used, and shared when you visit or our site.

When you visit the Site, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies that are installed on your device. Additionally, as you browse the Site, we collect information about the individual web pages or products that you view, what websites or search terms referred you to the Site, and information about how you interact with the Site. We refer to this automatically-collected information as “Device Information.”

    We collect Device Information using the following technologies:
  1. “Cookies” are data files that are placed on your device or computer and often include an anonymous unique identifier. For more information about cookies, and how to disable cookies, visit http://www.allaboutcookies.org.
  2. “Log files” track actions occurring on the Site, and collect data including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps.
  3. “Web beacons,” “tags,” and “pixels” are electronic files used to record information about how you browse the Site.

On occasions we are required to share your personal information with our payment processor Stripe Payments Europe, Ltd. The information we share with Stripe Payments Europe, Ltd is required by law to identify you, only for the purpose of processing payments and transferring those payments into your connected bank account. We do not share your personal information we have collected with anyone else, other than the company stated above. Stripe Payments Europe, Ltd privacy policy can be viewed at Stripe privacy policy

We use Google Analytics, which uses cookies and similar technologies, to collect and analyze information about use of the Services and report on activities and trends. This service may also collect information regarding the use of other websites, apps and online resources. You can learn about Google´s practices on the Google website.

Additionally when you make a payment or attempt to make a payment through our Site, we collect certain information from you, including your name, billing address, payment information (including credit card numbers, email address, and phone number. We refer to this information as “Payment Information.”

When we talk about “Personal Information” in this Privacy Policy, we are talking both about Device Information and Payment Information.

Please note that we do not alter our Site´s data collection and use practices when we see a Do Not Track signal from your browser.

If you are a European resident, you have the right to access personal information we hold about you and to ask that your personal information be corrected, updated, or deleted. If you would like to exercise this right, please contact us through the contact information below.

When a payment is processed through us, we will maintain credit/debit card information of the card holder for future use within our system, unless we are instructed to delete by the card holder.

The Site is not intended for individuals under the age of 18.

We may update this privacy policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal or regulatory reasons.

For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us by e-mail at info@gridpay.net

We may also share your Personal Information to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive, or to otherwise protect our rights.

Cookies

We employ the use of cookies. By using Gridpay´s website you consent to the use of cookies in accordance with Gridpay´s privacy policy.

Most of the modern day interactive web sites use cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate/advertising partners may also use cookies.

Payments terms

“Charge” means a credit or debit instruction to capture funds from an account that a Customer maintains with a bank or other financial institution in connection with a Transaction. “Refund” means an instruction initiated by you to return funds to a Customer for an existing Charge.

“Dispute” means an instruction initiated by a Customer with a Financial Services Provider or us to return funds for an existing Charge (including a chargeback on a payment card network; or a dispute on a debit network).

“Reversal” means an instruction initiated by a Financial Services Provider or us to return funds for an existing Charge. Reversals may result from (i) invalidation of a charge by a Financial Services Provider; (ii) funds settled to you in error or without authorisation; and (iii) submission of a Charge in violation of Network Rules, or where submission of the Charge or your use of Payment Services violates this Agreement.

“Return” means an instruction initiated by you, a Customer, or a Financial Services Provider to return funds unrelated to an existing Charge.

“Transfer” means an instruction to credit funds to or debit funds from an account you designate with a Financial Services Provider.

“Fine” means any fines, levies, or other charges imposed by us or a Financial Services Provider caused by your violation of Laws or this Agreement, or as permitted by Network Rules.

“Network Rules” means the guidelines, bylaws, rules, and regulations imposed by the Financial Services Providers that operate payment networks supported by Stripe (including the payment card network operating rules for Visa, MasterCard, or the American Express networks).

You may only submit Charges through the Payment Services that are authorised by your Customers. To enable us to process Transactions for you, you authorise and direct Financial Services Providers to receive and pay any funds owed to you through the Payment Services, and you will identify Gridpay as your agent for purposes of providing the Payment Services to you.

Except where Gridpay and a Customer have otherwise agreed, you maintain the direct relationship with your Customers and are responsible for: (i) acquiring appropriate consent to submit Charges through the Payment Services on their behalf; (ii) providing confirmation or receipts to Customers for each Charge; (iii) verifying Customers´ identities; and (iv) determining a Customer´s eligibility and authority to complete Transactions. However, even authorised Transactions may be subject to a Dispute. Gridpay is not responsible for or liable to you for authorised and completed Charges that are later the subject of a Dispute, Refund, or Reversal, are submitted without authorisation or in error, or violate any Laws.

You are immediately responsible to us for all Disputes, Refunds, Reversals, Returns, or Fines regardless of the reason or timing. In many but not all cases, you may have the ability to challenge a Dispute by submitting evidence to us. We may request additional information to provide to Financial Services Providers to assist you in contesting the Dispute, but we cannot guarantee that your challenge will be successful. Financial Services Providers may deny your challenge for any reason they deem appropriate. Where a challenge is entirely or partially successful, a Financial Services Provider may credit funds associated with the Charge that is the subject of the Dispute (or a portion thereof) to your Gridpay Account.

Please keep in mind that you are liable for all losses you incur when lost or stolen payment credentials or accounts are used to purchase products or services from you. Gridpay does not and will not insure you against losses caused by fraud under any circumstances. For example, if someone pretends to be a legitimate buyer but is a fraudster, you will be responsible for any resulting costs, including Disputes, even if you do not recover the fraudulently purchased product. Even if we work with you to assist you or law enforcement in recovering lost funds, Gridpay is not liable to you, or responsible for your financial losses or any other consequences of such fraud.

A Financial Services Provider or we may issue a Reversal for any Charge where a Charge is made without the account owner´s authorisation, in connection with a Restricted Business, that violates the Network Rules, or for many other reasons. If a Financial Services Provider or we issue a Reversal, we will provide you Notice and a description of the cause of the Reversal.

If a Dispute or Reversal is commenced against a Charge, you will be charged a £15 fee and we will attempt to recover the disputed amount from your Gridpay account. If you contest the disputed charge and win, we will reinstate all disputed funds including the £15 fee. If you lose the dispute you are liable for the entire disputed amount including the £15 fee.

You will be charged a monthly subscription of £9.99 for the use of our services and failure to pay this subscription charge on time may result in the suspension or cancelation of your Gridpay account. If you decide to cancel your monthly subscription, Your Gridpay account will remain active until the end of the month you have been charged for. There are no refunds with regards to your monthly subscription.

Each Transaction you process will carry a transaction fee of 2.2% plus 50 pence, which will be charged to you during the processing of each transaction. You can only accept payments from cards that are registered (addresses) within the UK and all EU member states.

If a refund is issued for any transaction you have processed through your Gridpay account, the amount will be refunded free of charge but the original transaction fees will not be returned.

Payouts will be made to your connected bank account daily from your available balance. During the Gridpay registration process, you are asked to provide us with your bank account and sort code details. You are solely responsible to ensure these details are correct. Incorrect account number/sort code may result in us paying out funds into the wrong account and these funds may not be able to be recovered. You are responsible for all losses incurred by you providing us with incorrect banking details. Payouts may take up to 7 business days to process.

We reserve the right to suspend payments and payouts from your Gridpay account for any reason we consider to be suspicious.

Gridpay will not be held responsible for any loss of business you suffer as a result of these payment terms stated above.

Handling documents

Our eSign features allow you to upload, download, store and email documents via the Gridpay platform. While we do everything in our powers to ensure the security of these documents, we cannot under any circumstances be held responsible for these documents ending up in the wrong hands. We recommend you always upload documents in a password protected PDF format.

License

Unless otherwise stated, Gridpay and/or it´s licensors own the intellectual property rights for all material on Gridpay. All intellectual property rights are reserved. You may view and/or print pages from https://gridpay.net for your own personal use subject to restrictions set in these terms and conditions.

You must not:

  1. Republish material from https://gridpay.net
  2. Sell, rent or sub-license material from https://gridpay.net
  3. Reproduce, duplicate or copy material from https://gridpay.net

Redistribute content from Gridpay (unless content is specifically made for redistribution).

User Chat

  1. This Agreement shall begin on the date hereof.
  2. Certain parts of this website offer the opportunity for users to chat and exchange opinions, information, material and data (´Chat´) in areas of the website. Gridpay does not screen, edit, publish or review messages prior to their appearance on the website and messages do not reflect the views or opinions of Gridpay, its agents or affiliates. Messages reflect the view and opinion of the person who posts such view or opinion. To the extent permitted by applicable laws Gridpay shall not be responsible or liable for the messages or for any loss cost, liability, damages or expenses caused and or suffered as a result of any use of and/or posting of and/or appearance of the messages on this website.
  3. Gridpay reserves the right to monitor all messages and to remove any messages which it considers in its absolute discretion to be inappropriate, offensive or otherwise in breach of these Terms and Conditions.
  4. You warrant and represent that:
    1. You are entitled to post the messages on our website and have all necessary licenses and consents to do so;
    2. The messages do not infringe any intellectual property right, including without limitation copyright, patent or trademark, or other proprietary right of any third party;
    3. The messages do not contain any defamatory, libelous, offensive, indecent or otherwise unlawful material or material which is an invasion of privacy
    4. The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

Hyperlinking to our Content

  1. The following organizations may link to our Web site without prior written approval:
    1. Government agencies;
    2. Search engines;
    3. News organizations;
    4. Online directory distributors when they list us in the directory may link to our Web site in the same manner as they hyperlink to the Web sites of other listed businesses; and
    5. Systemwide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.
  2. These organizations may link to our home page, to publications or to other Web site information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party´s site.
  3. We may consider and approve in our sole discretion other link requests from the following types of organizations:
    1. commonly-known consumer and/or business information sources such as Chambers of Commerce etc;
    2. dot.com community sites;
    3. associations or other groups representing charities, including charity giving sites,
    4. online directory distributors;
    5. internet portals;
    6. accounting, law and consulting firms whose primary clients are businesses; and
    7. educational institutions and trade associations.

We will approve link requests from these organizations if we determine that: (a) the link would not reflect unfavorably on us or our accredited businesses (for example, trade associations or other organizations representing inherently suspect types of business, such as work-at-home opportunities, shall not be allowed to link); (b)the organization does not have an unsatisfactory record with us; and (c) where the link is in the context of general resource information or is otherwise consistent with editorial content in a newsletter or similar product furthering the mission of the organization.

These organizations may link to our home page, to publications or to other Web site information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and it products or services; and (c) fits within the context of the linking party´s site.

If you are among the organizations listed in paragraph 2 above and are interested in linking to our website, you must notify us by sending an e-mail to support@gridpay.net. Please include your name, your organization name, contact information (such as a phone number and/or e-mail address) as well as the URL of your site, a list of any URLs from which you intend to link to our Web site, and a list of the URL(s) on our site to which you would like to link. Allow 2-3 weeks for a response.

Approved organizations may hyperlink to our Web site as follows:

  1. By use of our corporate name; or
  2. By use of the uniform resource locator (Web address) being linked to; or
  3. By use of any other description of our Web site or material being linked to that makes sense within the context and format of content on the linking party´s site.

No use of Gridpay´s logo or other artwork will be allowed for linking absent a trademark license agreement.

Iframes

Without prior approval and express written permission, you may not create frames around our Web pages or use other techniques that alter in any way the visual presentation or appearance of our Web site.

Reservation of Rights

We reserve the right at any time and in its sole discretion to request that you remove all links or any particular link to our Web site. You agree to immediately remove all links to our Web site upon such request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuing to link to our Web site, you agree to be bound to and abide by these linking terms and conditions.

Removal of links from our website

If you find any link on our Web site or any linked web site objectionable for any reason, you may contact us about this. We will consider requests to remove links but will have no obligation to do so or to respond directly to you.

Whilst we endeavour to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date.

Content Liability

We shall have no responsibility or liability for any content appearing on your Web site. You agree to indemnify and defend us against all claims arising out of or based upon your Website. No link(s) may appear on any page on your Web site or within any context containing content or materials that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will:

  1. limit or exclude our or your liability for death or personal injury resulting from negligence;
  2. limit or exclude our or your liability for fraud or fraudulent misrepresentation;
  3. limit any of our or your liabilities in any way that is not permitted under applicable law; or
  4. exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

We will not be liable for any loss or damage of any nature.