General Terms of Service

SECTION 1 - INTRODUCTION

Welcome to TaapCraft, a UK-based online marketplace that helps Consumers find independent Traders for goods and services. TaapCraft provides a platform to:

• browse listings
• request quotes
• connect with Traders
• communicate
• make bookings
• make payments through approved third-party payment providers

TaapCraft does NOT provide any of the services or goods listed by Traders. All work is carried out entirely by independent Traders who are not employees, agents, or representatives of TaapCraft.

By using TaapCraft, you agree to these Terms of Service ("Terms"). If you do not agree, please do not use the platform.

SECTION 2 - WHAT TAAPCRAFT DOES (AND DOES NOT DO)

2.1 What TaapCraft DOES

TaapCraft:

• provides an online marketplace
• allows Consumers and Traders to communicate
• facilitates introductions
• processes payments through external payment providers
• applies per-transaction insurance (provided by a third-party insurer)
• provides optional AI-assisted tools, recommendations, and onboarding

2.2 What TaapCraft DOES NOT do

TaapCraft does NOT:

• provide any of the goods or services listed
• employ or manage Traders
• supervise or monitor the work carried out
• guarantee Trader availability
• guarantee the quality, safety, legality, or outcome of any work
• guarantee that a Trader is suitable for a Consumer's needs
• enter into any contract on behalf of a Trader
• provide professional advice, insurance advice, legal advice, or financial advice
• become a party to the agreement between Consumers and Traders

SECTION 3 - DEFINITIONS

SECTION 4 - USING THE PLATFORM

4.1 Minimum Age

You must be 18 or over to use TaapCraft.

4.2 Account Requirements

Users must:

• provide accurate information
• be legally capable of entering a contract
• comply with these Terms
• comply with the AUP (Acceptable Use Policy)

TaapCraft may verify identity using KYC checks, AI tools, or third-party providers.

4.3 Accuracy of Information

TaapCraft is not responsible for:

• incorrect information provided by users
• misleading listings
• outdated prices
• incorrect availability
• fraudulent behaviour

4.4 Account Suspension

We may suspend or terminate accounts at any time if:

• we suspect fraud
• there is a breach of these Terms
• behaviour risks harm to the platform or other users
• we receive complaints relating to safety or illegal activity

SECTION 5 - HOW BOOKINGS WORK

5.1 Consumers request, Traders respond

TaapCraft allows Consumers to:

• search
• request quotes
• message Traders
• confirm bookings

Traders decide whether to accept work.

5.2 The Contract is Between Consumer & Trader

When a booking is made:

The contract is formed directly between the Consumer and the Trader - NOT TaapCraft.

TaapCraft is not a party to:

• pricing
• workmanship
• delays
• cancellations
• disputes
• warranties
• claim rights
• refunds outside of our payment rules

5.3 No Control Over Traders

Traders operate independently and choose:

• their pricing
• their availability
• how they perform work
• the tools and materials they use

SECTION 6 - PAYMENTS

6.1 Payment Processing

Payments are handled by third-party payment providers such as:

• Stripe
• Paid AI
• Banking intermediaries

TaapCraft never stores card details.

6.2 TaapCraft as Payment Intermediary

TaapCraft:

• collects payment from Consumers
• deducts commission and relevant fees
• forwards the remaining balance to the Trader

6.3 Fees (for Traders)

Fees typically include:

• TaapCraft marketplace commission - goods only: flat 5% inc VAT; services: 12.5% up to £1,000, 8.5% from £1,001 - £5,000, 5.5% on £5,001+ (inc VAT)
• card processing fees, insurance fees and transaction fees are all included in the commission

6.4 Payment Disputes

Payment disputes are handled by:

• the payment provider
• the Trader
• the Consumer
• where applicable, the insurer

TaapCraft is not responsible for:

• chargebacks
• refund eligibility
• declined payments
• failed payouts

SECTION 7 - CANCELLATIONS & REFUNDS

7.1 Cancellations Between Consumer & Trader

Any cancellations must be agreed between the Consumer and Trader. TaapCraft does not control cancellations or refunds.

7.2 Fees May Still Apply

If a booking is cancelled:

• the Trader may be entitled to compensation
• card or payment provider fees may not be refundable
• TaapCraft's commission may still apply
• insurance may not be refundable

7.3 TaapCraft is Not Liable

TaapCraft is not responsible for:

• losses arising from cancellations
• lost time
• materials purchased
• change of mind
• Consumer disputes
• Trader disputes

SECTION 7A - CONSUMER CONTRACTS REGULATIONS 2013 (DISTANCE SELLING)

7A.1 Trader Obligations Under CCR 2013

All Traders using TaapCraft must comply with CCR 2013 by:

• providing clear pre-contract information before a booking is confirmed
• displaying accurate pricing including all mandatory charges
• setting and displaying their cancellation policy clearly before checkout
• providing their business name, address, and contact details
• describing the service to be provided in sufficient detail
• specifying the total price including VAT and any additional fees
• stating any delivery or performance timescales

TaapCraft facilitates the display of this information but Traders remain solely responsible for its accuracy and completeness.

7A.2 Cancellation Rights (14-Day Cooling-Off Period)

Under CCR 2013, Consumers generally have a 14-day cooling-off period to cancel a distance contract without giving a reason.

However, for services:

• the right to cancel ends once the service has been fully performed, if performance began with the Consumer's prior express consent
• if the Consumer requests that a service begins during the cancellation period, they may lose their right to cancel once the service is complete
• for services that begin immediately at the Consumer's request, the Consumer must acknowledge they will lose their cancellation right

7A.3 Cancellation Policy Display Requirements

TaapCraft requires Traders to:

• set their cancellation policy within their profile/listing settings
• ensure their policy is displayed clearly before checkout
• specify any cancellation fees, notice periods, or conditions
• explain how refunds will be processed and any timeframes

The app will display the Trader's cancellation policy to Consumers before a booking is confirmed.

7A.4 TaapCraft's Role in Refunds

TaapCraft:

• facilitates refund processing through our payment systems
• does NOT guarantee refund outcomes or eligibility
• does NOT determine whether a cancellation qualifies for a refund
• does NOT mediate disputes about cancellation terms

Refund decisions are made by:

• the Trader (based on their stated cancellation policy)
• the payment provider (for chargebacks and disputes)
• the insurer (where applicable, for insured claims)

7A.5 Pre-Contract Information Checklist

Before a booking is confirmed, the following information must be available to Consumers:

• main characteristics of the service
• identity of the Trader (business name)
• Trader's geographical address and contact details
• total price including VAT
• any additional delivery or service charges
• payment arrangements and timing
• Trader's cancellation policy
• expected performance date or timeframe

Traders are solely responsible for providing this information. TaapCraft provides the platform infrastructure but does not verify the accuracy of Trader-provided information.

7A.6 Exceptions to Cancellation Rights

Under CCR 2013, the right to cancel does NOT apply to:

• services fully performed with Consumer consent before the cancellation period ends
• goods made to the Consumer's specifications or clearly personalised
• urgent repairs or maintenance requested by the Consumer
• sealed goods that have been unsealed after delivery (where applicable)

SECTION 8 - INSURANCE (VERY IMPORTANT)

8.1 Per-Transaction Insurance

Each booking may include insurance provided by a third-party insurer, not TaapCraft.

8.2 Insurance Terms Change

Insurance terms:

• vary by booking
• change from time to time
• depend on eligibility rules
• depend on job type
• depend on the insurer's approval process

8.3 When Policy Terms Are Provided

Consumers and Traders will receive the specific insurance policy:

• after a booking is confirmed
• via email or via the platform
• not before

8.4 TaapCraft Is Not the Insurer

TaapCraft does not:

• issue insurance
• assess claims
• guarantee coverage
• provide advice
• accept liability for claim outcomes

8.5 Insurance Is Not Guaranteed

Insurance:

• may be declined
• may not cover all loss types
• may have excesses and limits
• may require evidence

TaapCraft has no control over the insurer's decisions.

SECTION 9 - USER RESPONSIBILITIES

9.1 Consumer Responsibilities

Consumers must:

• provide accurate details when making a booking
• ensure the property is safe and accessible
• treat Traders respectfully
• pay all fees due
• comply with all laws
• provide truthful information
• not misuse or abuse the platform

Consumers must not:

• request illegal services
• waste traders' time
• make fraudulent claims
• cause damage and blame the Trader
• harass, threaten or abuse Traders

TaapCraft may suspend any Consumer account for unacceptable behaviour.

9.2 Trader Responsibilities

Traders agree to:

• provide accurate listings
• comply with UK law (licensing, tax, qualifications, safety)
• maintain necessary equipment and tools
• turn up on time
• complete work to a reasonable standard
• provide receipts or invoices when required
• respond promptly to Consumers
• comply with all relevant regulations (e.g. electrical, gas, building regulations)

Traders must NEVER:

• misrepresent prices
• post misleading information
• offer illegal services
• act without required qualifications
• attempt to bypass TaapCraft payments (strictly prohibited)
• misuse consumer data
• behave abusively

Traders are fully responsible for their own:

• safety
• legal compliance
• tax affairs
• insurance needs
• workmanship
• materials
• subcontractors

TaapCraft does not control or supervise Traders.

9.3 Both Consumers & Traders

Both must comply with:

• these Terms
• the Acceptable Use Policy (AUP)
• the Privacy Policy
• the Cookie Policy
• all applicable laws
• any instructions on the platform

Failure to comply can result in immediate account suspension.

SECTION 10 - REVIEWS, RATINGS & FEEDBACK

10.1 User-generated content

Consumers may leave:

• star ratings
• written reviews
• photos (where permitted)

10.2 Ownership of reviews

Users grant TaapCraft:

• a worldwide, royalty-free, perpetual licence
• to host, display, reproduce and use reviews
• for marketing, platform improvement, and safety purposes

10.3 Moderation

TaapCraft may remove content that is:

• defamatory
• abusive
• fraudulent
• irrelevant
• harmful
• illegal
• violates the AUP

TaapCraft is NOT liable for:

• reviews posted by platform users
• harm caused by inaccurate or misleading reviews

SECTION 11 - AI TOOLS & AUTOMATION

11.1 AI features

TaapCraft may use AI for:

• onboarding
• identity verification
• fraud checks
• content moderation
• personalised recommendations
• messaging assistance
• automated suggestions
• dynamic pricing tips
• customer support
• job matching

11.2 AI limitations

AI output may not always be:

• accurate
• complete
• reliable
• up-to-date

TaapCraft is not responsible for:

• errors caused by AI
• decisions made based on AI recommendations
• missed job opportunities
• incorrect suggestions

11.3 No professional advice

AI tools on TaapCraft do NOT constitute legal, financial, insurance, tax, safety or professional advice. AI is provided on an "as-is" basis with no guarantees.

SECTION 12 - PLATFORM ACCESS & AVAILABILITY

12.1 No guarantee of availability

TaapCraft does not guarantee that the platform will:

• be available at all times
• be error-free
• run without interruption
• be free of bugs
• operate across all devices

12.2 Changes to the platform

TaapCraft may update, modify, suspend, or discontinue features at any time without prior notice.

We will not be liable for any losses caused by platform changes.

SECTION 13 - INTELLECTUAL PROPERTY

All TaapCraft assets are owned exclusively by TaapCraft Ltd:

• trademarks
• branding
• logos
• designs
• text
• graphics
• code
• data
• databases
• marketing materials

Users may not:

• copy
• reproduce
• distribute
• scrape
• modify
• reverse engineer
• resell

SECTION 14 - PROHIBITED CONDUCT

Users must NOT:

• use TaapCraft for illegal purposes
• upload harmful, abusive, violent or hateful content
• harass others
• impersonate someone else
• engage in money laundering or fraud
• bypass TaapCraft payment systems
• scrape or harvest data
• distribute malware
• create multiple fake accounts
• interfere with platform security
• publish others' private information
• promote extremist or dangerous content

Breaching this section may result in:

• permanent suspension
• reporting to authorities
• legal action

SECTION 15 - LIABILITY LIMITATION

This is one of the most important sections protecting you.

15.1 TaapCraft is NOT responsible for Trader services

TaapCraft:

• does NOT provide goods or services
• does NOT supervise Traders

15.2 No liability for losses

TaapCraft is not liable for:

• personal injury
• property damage
• financial loss
• missed appointments
• work delays
• poor workmanship
• defective materials
• negligence by Traders
• incorrect information
• any behaviour of Traders or Consumers
• disputes between users
• fraudulent conduct by users
• changes to insurance terms
• missed or failed payments

15.3 Liability Cap

Where liability cannot be excluded (rare), TaapCraft's total liability is limited to the lesser of (A) £50 or (B) the total fees paid by you to TaapCraft in the previous 12 months.

SECTION 16 - "AS-IS" DISCLAIMER

TaapCraft is provided "as-is" and "as-available".

We provide no warranties, express or implied, including:

• merchantability
• fitness for purpose
• accuracy
• reliability
• non-infringement
• performance
• availability

SECTION 17 - INDEMNITY

Users agree to indemnify TaapCraft against:

• claims
• disputes
• losses
• damages
• legal fees
• third-party claims

arising from:

• your use of the platform
• your breach of these Terms
• damage caused during work
• negligence
• legal non-compliance
• misuse of the platform
• claims from other users

This applies to both Consumers and Traders.

SECTION 18 - TERMINATION

TaapCraft may terminate or suspend any account:

• for any breach
• for fraud concerns
• for safety concerns
• for misuse
• for non-payment
• for abuse
• on request from law enforcement
• or for any other reasonable grounds

Users may close their account at any time.

We may retain required data for legal purposes as explained in our Privacy Policy.

SECTION 19 - GOVERNING LAW & JURISDICTION

These Terms are governed by:

• the laws of England & Wales, and
• disputes will be resolved exclusively in the courts of England & Wales

SECTION 20 - CONTACT INFORMATION