Welcome to Spush.co.uk (hereinafter referred to as the "Website"), owned and operated by Spoynt Limited, a company registered in England and Wales with its registered office at 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom (hereinafter referred to as the "Company," "we," "us," or "our"). These Terms and Conditions (hereinafter referred to as the "Terms") constitute a legally binding agreement governing your access to and use of the Website, including all content, features, functionalities, and services offered on or through it (collectively, the "Services").

By accessing or using the Website, you (hereinafter referred to as the "User," "you," or "your") acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not accept these Terms in their entirety, you must refrain from accessing or using the Website or any associated Services.

These Terms are structured to ensure transparency, fairness, and compliance with applicable legal frameworks, including but not limited to the UK Consumer Rights Act 2015, the EU Consumer Rights Directive (2011/83/EU), and data protection laws such as the UK GDPR and EU GDPR. They outline your rights and obligations as a User, as well as the Company's commitments and limitations.

For the purposes of clarity and consistency throughout these Terms, the following definitions apply:

• "Account" refers to any user account created by you to access specific features or Services on the Website.
• "Content" encompasses all text, graphics, images, logos, videos, software, code, and other materials available on or through the Website.
• "Personal Data" has the meaning ascribed to it under the UK GDPR and EU GDPR, referring to any information relating to an identified or identifiable natural person.
• "Services" means the payment processing solutions, financial tools, or other functionalities provided by the Company via the Website, as further described in Section 4.
• "Third-Party Services" refers to any services, products, or content provided by entities other than the Company that may be integrated with or linked to the Website.
• "Force Majeure Event" denotes any event beyond the reasonable control of the Company, including but not limited to natural disasters, acts of war, terrorism, governmental actions, or widespread technological failures.

Additional terms may be defined within the context of specific sections as required.

3.1. Eligibility Criteria
To access and use the Website and Services, you must meet the following eligibility requirements:

• Be at least 18 years of age or the age of legal majority in your jurisdiction, whichever is higher.
• Possess the legal capacity to enter into a binding contract under the laws applicable in your jurisdiction.
• Not be prohibited from using the Services under any applicable laws or regulations.

3.2. User Obligations
As a User, you agree to:

• Provide accurate, current, and complete information during account registration or when otherwise requested by the Company.
• Safeguard the confidentiality of your Account credentials, including usernames and passwords, and promptly notify the Company of any unauthorized use.
• Use the Website and Services solely for lawful purposes and in strict accordance with these Terms and all applicable laws, including financial regulations.
• Refrain from engaging in any conduct that may disrupt, damage, or impair the Website, its functionality, or the experience of other Users, including but not limited to hacking, distributing malware, or engaging in fraudulent activities.

Failure to comply with these obligations may result in the suspension or termination of your access to the Website and Services, as detailed in Section 9.

4.1. Description of Services
Spush.co.uk provides payment processing solutions and financial services designed to facilitate transactions for individuals and businesses. These Services may include, but are not limited to:

• Processing of electronic payments via credit/debit cards, bank transfers, or other payment methods.
• Account management tools for tracking transactions and managing funds.
• Integration with third-party platforms or merchant systems.

The specifics of the Services, including availability and features, are detailed on the Website and may be updated by the Company at its discretion.

4.2. Payment Terms

• Fees: Access to certain Services may incur fees, which will be clearly outlined on the Website or within your Account dashboard. All fees are quoted in British Pounds Sterling (£) unless otherwise specified and are exclusive of applicable taxes (e.g., VAT).
• Billing and Payment: You agree to provide valid and up-to-date payment information and authorize the Company to charge your designated payment method for all applicable fees. Payments are due as specified in the billing terms provided at the time of purchase.
• Non-Refundable: Except as required by law or expressly stated otherwise, all fees paid for the Services are non-refundable.
• Late Payments: Failure to make timely payments may result in additional charges, suspension of Services, or termination of your Account, at the Company’s discretion.

4.3. Consumer Rights
Under the UK Consumer Rights Act 2015 and the EU Consumer Rights Directive, if you are a consumer (i.e., an individual acting for purposes outside your trade, business, or profession), you may have the right to cancel certain Services within 14 days of entering into a contract, without providing a reason. However, this right does not apply where:

• The Service involves digital content that is not supplied on a tangible medium, and you have consented to its immediate performance with acknowledgment that the cancellation right is lost.
• The Service has been fully performed with your prior express consent.

Details of your cancellation rights, where applicable, will be provided at the point of purchase.

5.1. Data Collection and Processing
The Company collects, processes, and stores Personal Data in compliance with the UK GDPR, the EU GDPR, and the UK Data Protection Act 2018. This includes data such as your name, contact details, payment information, and transaction history. For a comprehensive overview of our data practices, please refer to our https://spush.co.uk/privacy-policy, which forms an integral part of these Terms.

5.2. Lawful Basis and Consent
By using the Website and Services, you consent to the collection and processing of your Personal Data as outlined in the Privacy Policy. The Company may also process your data where necessary for the performance of a contract, compliance with legal obligations, or the pursuit of legitimate interests, subject to your rights under applicable law. You may withdraw consent at any time by contacting us, though this may affect your ability to use certain Services.

5.3. Data Security
The Company employs robust technical and organizational measures to secure your Personal Data against unauthorized access, loss, or disclosure. These measures include encryption, access controls, and regular security audits. However, no online system is entirely immune to risks, and the Company cannot guarantee absolute security of data transmitted over the internet.

5.4. Data Subject Rights
As a User, you have rights under the UK GDPR and EU GDPR, including the right to access, rectify, erase, restrict, or object to the processing of your Personal Data, and the right to data portability. To exercise these rights, please contact us as outlined in Section 14.

6.1. Ownership
All Content on the Website, including but not limited to text, graphics, logos, software, and trademarks, is owned by the Company or its licensors and is protected by copyright, trademark, and other intellectual property laws in the UK, EU, and internationally.

6.2. License Grant
The Company grants you a limited, revocable, non-exclusive, non-transferable license to access and use the Website and Content solely for your personal or internal business purposes in connection with the Services. This license does not permit you to:

• Reproduce, distribute, modify, or create derivative works from the Content.
• Use the Content for any commercial purpose outside the scope of the Services without prior written consent.

6.3. User-Generated Content
If you submit content to the Website (e.g., feedback, transaction data, or reviews), you grant the Company a worldwide, perpetual, royalty-free, sublicensable license to use, reproduce, modify, and display such content for purposes related to the operation and promotion of the Services.

7.1. Disclaimers
The Website and Services are provided on an "as is" and "as available" basis. The Company disclaims all warranties, whether express, implied, or statutory, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. The Company does not guarantee that the Services will be uninterrupted, error-free, or free from viruses or other harmful components.

7.2. Limitation of Liability
To the maximum extent permitted by law:

• The Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages (including loss of profits, data, or goodwill) arising from or related to your use of the Website or Services.
• The Company’s aggregate liability for any claim under these Terms shall not exceed the total amount paid by you for the Services in the 12 months preceding the claim.

7.3. Statutory Exceptions
Nothing in these Terms excludes or limits the Company’s liability for:

• Death or personal injury caused by negligence.
• Fraud or fraudulent misrepresentation.
• Any other liability that cannot be excluded or limited under applicable law, including rights under the UK Consumer Rights Act 2015.

You agree to indemnify, defend, and hold harmless the Company, its affiliates, directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including reasonable legal fees) arising out of:

• Your use of the Website or Services.
• Your breach of these Terms.
• Your violation of any applicable laws or third-party rights, including intellectual property or privacy rights.

9.1. Termination by User
You may terminate your Account and cease using the Services at any time by following the account closure process outlined on the Website. Upon termination, all outstanding fees remain payable unless otherwise agreed.

9.2. Termination by Company
The Company reserves the right to suspend or terminate your access to the Website and Services, with or without notice, for reasons including but not limited to:

• Violation of these Terms.
• Non-payment of fees.
• Suspected fraudulent or illegal activity.
• Protection of the Website, other Users, or the Company’s interests.

9.3. Effects of Termination
Upon termination:

• All licenses granted to you under these Terms will immediately cease.
• You must discontinue use of the Services and destroy any copies of Content in your possession.
• The Company may retain your data as required by law or for legitimate business purposes, in accordance with the Privacy Policy.

10.1. Governing Law
These Terms and any disputes arising out of or relating to them shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law principles.

10.2. Dispute Resolution

• Arbitration: Any dispute, controversy, or claim arising under these Terms shall be resolved through binding arbitration conducted under the rules of the London Court of International Arbitration (LCIA). The arbitration shall take place in London, England, in the English language, with a single arbitrator unless otherwise agreed.
• Exceptions: Notwithstanding the above, either party may seek injunctive relief in a court of competent jurisdiction to prevent irreparable harm.

10.3. Consumer Protections
If you are a consumer, you retain the right to resolve disputes through the courts of your country of residence or via alternative dispute resolution mechanisms, as provided under the UK Consumer Rights Act 2015 and EU Consumer Rights Directive.

The Company may modify these Terms at any time to reflect changes in law, Services, or business practices. Notification of material changes will be provided via the Website, email, or other reasonable means. Your continued use of the Website or Services following such changes constitutes acceptance of the revised Terms. If you do not agree to the updated Terms, you must discontinue use of the Services.

The Company shall not be liable for any delay or failure to perform its obligations under these Terms due to a Force Majeure Event. In such circumstances, the Company will endeavor to notify you and resume performance as soon as reasonably practicable.

13.1. Entire Agreement
These Terms, together with the Privacy Policy and any additional agreements expressly incorporated herein, constitute the entire agreement between you and the Company regarding the use of the Website and Services.

13.2. Severability
If any provision of these Terms is deemed invalid or unenforceable by a court of competent jurisdiction, such provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

13.3. No Waiver
The Company’s failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision unless expressly acknowledged in writing.

13.4. Assignment
You may not assign or transfer your rights or obligations under these Terms without the Company’s prior written consent. The Company may assign its rights and obligations to a third party without restriction, provided such assignment does not materially diminish your rights.

For questions, complaints, or further information regarding these Terms, please contact us at:
Spoynt Limited
71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, UK
Email: support@spush.co.uk

We aim to respond to all inquiries within 10 business days.

By accessing or using the Website or Services, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions in their entirety. If you do not agree, you must immediately cease all use of the Website and Services.