Terms of Use – Tap to Pay Service (iPhone & Android)
Powered by Stripe | Operated by CODERS TEAM LIMITED
1. Acceptance of Terms
By accessing or using the Tap to Pay service, you confirm that you have read, understood, and agreed to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, you may not use the service.
2. Service Description
Our Tap to Pay service enables users to accept contactless payments via NFC on iPhone and Android devices, utilizing Stripe technology.
3. Eligibility
To use this service, you must:
• Be 18 years or older.
• Have an active Stripe account.
• Use a compatible mobile device.
• Comply with applicable local laws and regulations.
4. Account Registration
You are required to register with CODERS TEAM LIMITED, providing accurate, complete information. You are responsible for maintaining the confidentiality of your credentials and all activity under your account.
5. Fees and Charges
You agree to pay applicable fees related to your use of the service. Fees will be disclosed during onboarding or published on our website.
6. Security
While we employ industry-standard safeguards, you acknowledge that no system is entirely secure. You are responsible for maintaining the integrity of your credentials and connected devices.
7. User Conduct
You may not use the service for:
• Fraudulent or unauthorized transactions;
• Violating applicable laws;
• Disrupting or harming the service or underlying Stripe infrastructure.
8. Technical Requirements
Minimum requirements:
• iPhone 6 or later (iOS 11+);
• Android 5.0+ with NFC;
• Stable internet connection;
• Latest version of Y-POS or Stripe app installed.
9. Termination
We may suspend or terminate your access at any time without notice if we determine that you’ve violated these Terms or posed a risk to the platform or other users.
10. Limitation of Liability
To the maximum extent allowed by law, CODERS TEAM LIMITED and Stripe disclaim liability for indirect, incidental, or consequential damages.
11. Indemnification
You agree to indemnify and hold harmless CODERS TEAM LIMITED and Stripe from any third-party claims resulting from your misuse of the service or breach of these Terms.
12. Modifications to Terms
We may revise these Terms at any time. Updates become effective once posted. Continued use of the service implies acceptance of the new Terms.
13. Governing Law
These Terms shall be governed under the laws of England and Wales.
14. Contact
CODERS TEAM LIMITED
4th Floor, Silverstream House, 45 Fitzroy Street, Fitzrovia, London, W1T 6EB
support@y-pos.app
15. Account Verification
15.1. We may require users to complete identity verification.
15.2. Accepted address proofs include:
• Bank statements with transaction history
• Council tax bills
• Government letters (HMRC, DWP, NHS, electoral roll)
15.3. All documents must be clear, unedited, and issued within 6 months. Names must match your account.
16. Fund Holding & Refund Policy
16.1. Funds may be held if verification is pending or documents fail checks.
16.2. Holding period: up to 90 days or until a dispute arises.
16.3. If no verification is completed and no dispute filed, funds return to the original payer.
16.4. If a dispute is raised, funds remain on hold until resolution.
16.5. Stripe-Managed Refunds. All refunds, reversals, or fund returns are processed automatically by Stripe Payments UK Ltd (FCA FRN 900461) in accordance with Visa, Mastercard, and American Express network rules.
Y-POS does not process or hold end-customer funds directly.
When an account is closed due to fraudulent, misrepresented, or unverifiable business activity, associated transactions are returned to the original payer through Stripe’s refund mechanism. Y-POS reserves the right to withhold service fees or risk-related costs associated with fraud investigation and compliance review.
17. Account Suspension
17.1. Failure to verify identity within 3 attempts may result in suspension.
17.2. Suspended users will receive guidance on how to restore access.
18. User Responsibilities
18.1. Users must provide accurate and timely information.
18.2. Delay in document submission may delay account activation or payouts.
19. Direct Debit Authorization
19.1. By opting into Direct Debit, you authorize debits from your bank account.
19.2. You must ensure sufficient funds. Fees from failed attempts are your responsibility.
19.3. Failed transactions may be retried within 1–2 business days.
19.4. If overdraft is triggered, related fees are your liability.
19.5. You will be notified 2 business days prior to debit.
19.6. You may cancel authorization at any time by notifying us and your bank.
20. Anti-Money Laundering (AML) Policy
20.1. We are committed to full compliance with UK and international AML regulations.
20.2. Transactions may be monitored and reported to authorities if suspicious activity is detected.
20.3. We reserve the right to request additional documentation at any time.
21. Chargeback and Fraud Policy
21.1. Any user found intentionally triggering chargebacks or facilitating fraud will be permanently banned.
21.2. Funds related to fraudulent activity will be held and refunded to the cardholder after investigation.
21.3. We cooperate with payment providers and law enforcement to resolve disputes.
22. Merchant Eligibility
22.1. Y-POS is intended for legitimate businesses, sole traders, and freelancers.
22.2. We do not support the following industries: high-risk investments, adult services, unlicensed pharmaceuticals, gambling, and similar.
22.3. Failure to disclose the true nature of your business may result in suspension or account closure.
23. Data Protection & ICO Compliance
24.1. CODERS TEAM LIMITED operates in compliance with the UK Data Protection Act 2018 and UK GDPR.
23.2. Following an internal assessment with the Information Commissioner’s Office (ICO) self-assessment tool, CODERS TEAM LIMITED determined that a data protection registration is not required for its current business operations.
23.3. Y-POS uses Onfido Ltd, an ICO-registered identity verification provider, to process and store biometric and identification data (including facial verification and ID document scans).
23.4. CODERS TEAM LIMITED does not directly store biometric or ID data; it only has limited access to verification results and supporting files via the Onfido Dashboard for compliance, fraud prevention, and audit purposes.
23.5. All verification data is processed and stored exclusively by Onfido Ltd under their ICO registration (Z7793972) and data protection policies, available at www.onfido.com/privacy
24. Harassment, Abuse & Misconduct Policy
Y-POS maintains a strict zero-tolerance policy for harassment, abusive behavior, intimidation, threats, defamation, or attempts to damage the reputation of Y-POS, its employees, partners, or other users.
This includes — but is not limited to:
Harassing or threatening Y-POS staff via email, chat, or social media
Publishing defamatory or intentionally misleading statements about Y-POS online
Coordinated attempts to harm Y-POS’s reputation or operations
Using activist, political, or social claims as pressure to influence payment reviews
Contacting third parties, partners, or customers with false accusations
Any behavior intended to intimidate, coerce, or manipulate Y-POS decisions
Violation of this policy may result in:
Immediate and permanent account termination
Blocking access across all Y-POS platforms
Reporting the incident to Stripe, financial institutions, and relevant authorities
Withholding of payouts and reversal of pending transactions according to Stripe rules
Legal action if necessary to protect Y-POS staff and infrastructure
By using Y-POS, the user agrees to conduct themselves respectfully and comply with this policy at all times.
By continuing to use the Tap to Pay service, you confirm your acceptance of these Terms.