Terms of Service

Last updated: 7 June 2026

These Terms of Service (“Terms”) govern your use of the SettlePay website at https://settlepay.uk (the “Website”) and, where you engage us to carry out work, the bespoke payment-page design, build and integration service we provide (the “Service”). Please read them carefully. By using the Website or engaging the Service you accept these Terms.

These Terms are made up of two related parts:

  • (A) Website terms of use — which apply to anyone who visits or uses the Website.
  • (B) Service terms of business — which apply when you engage us to carry out work for you.

1. Definitions

In these Terms, unless the context requires otherwise:

  • “we”, “us”, “our”, “SettlePay” means Finlay Salisbury, trading as SettlePay, a sole trader. See section 2 for our details.
  • “you”, “your” means the person or business using the Website or engaging the Service. Where you engage us on behalf of a business, you confirm you have authority to do so.
  • “Service” means the bespoke payment-page design, build and integration service described in section 4, as set out in your individual quote or proposal.
  • “Website” means https://settlepay.uk and any pages, content and functionality on it.
  • “PSP” means a third-party, FCA-regulated payment service provider (for example Stripe, Adyen, Checkout.com or GoCardless) with whom you hold, or open, your own merchant account.
  • “Deliverables” means the payment pages, integrations, configurations, code, designs and other materials we create and supply to you as part of the Service.
  • “Quote” means the written quote, proposal or statement of work in which we set out the scope, fees and timescales for a specific project.
  • “Client Materials” means content, brand assets, account access, data and information you provide to us for the Service.

2. About Us and How to Contact Us

SettlePay is a trading name of Finlay Salisbury, a sole trader. SettlePay is not a limited company: there is no company number, no Companies House registration, and no “Ltd” or “Limited” entity.

You can contact us using the details below:

  • Trading name: SettlePay
  • Proprietor: Finlay Salisbury (sole trader)
  • Address: 2b Rodney Street, London, N1 9FS, United Kingdom
  • Email: hello@settlepay.uk
  • Website: https://settlepay.uk
  • Enquiry form: available on the Website

If we need to contact you, we will do so using the email address, postal address or contact details you provide to us.

3. Acceptance of Terms

By accessing or using the Website, or by engaging the Service (for example by accepting a Quote in writing, by email, or by asking us to begin work), you agree to be bound by these Terms.

If you do not agree to these Terms, please do not use the Website or the Service.

Where you accept a Quote, these Terms apply together with that Quote. If there is any conflict between these Terms and a Quote, the Quote prevails for that specific project, but only to the extent of the inconsistency.

4. Description of the Service

We are a technology and integration provider. We help small UK businesses move away from manual bank transfers, cheques and phone payments by building modern, branded payment pages and wiring them into the tools you already use. The Service typically includes some or all of the following, as agreed in your Quote:

  • Bespoke branded payment-page design and build — we design and build a custom-branded checkout or payment page that lives on your own website or is attached to your own invoices.
  • Guidance to set up your own PSP account — we guide you through opening your own merchant account with a third-party, FCA-regulated PSP (such as Stripe, Adyen, Checkout.com or GoCardless). The account is yours, in your business’s name.
  • Reconciliation setup — we configure automated reconciliation between your chosen PSP and your accounting software (such as Xero, QuickBooks or Sage), so that payments are matched to invoices.

The exact scope of work for any project is defined in your Quote.

4.1 We Never Hold, Receive or Control Your Funds

This is important, so we state it plainly and prominently:

SettlePay never holds, receives, touches or controls your money or your customers’ money at any point. Funds settle directly from your chosen PSP to your own business bank account, on the PSP’s own settlement schedule.

SettlePay is not a payment institution, is not a money-services business, and is not authorised or regulated by the Financial Conduct Authority (FCA). We do not process payments ourselves.

Payment processing is provided by your chosen, FCA-regulated PSP, under that PSP’s own terms and conditions. Your relationship for payment processing is directly between you and your PSP. You are responsible for reading, accepting and complying with your PSP’s terms, and for any fees the PSP charges you.

We act as your engineering and integration provider — we build the “plumbing” that connects your business to your PSP and your accounting software. We do not stand between you and your money.

5. Your Responsibilities

To allow us to provide the Service and to keep your payments running correctly, you agree that you are responsible for:

  • Providing accurate information — giving us complete, accurate and up-to-date Client Materials, brand assets, access and instructions, and telling us promptly if anything changes.
  • Your own PSP account — opening, owning, maintaining and operating your own PSP merchant account, satisfying the PSP’s onboarding, underwriting and verification requirements, and complying with the PSP’s terms.
  • Your own bank account — maintaining a valid business bank account in your business’s name to receive settlement from your PSP.
  • Your own legal, tax and accounting obligations — meeting your own obligations as a business, including in relation to consumer protection, refunds, chargebacks, tax and bookkeeping. We are an integration provider, not your accountant, lawyer or tax adviser, and nothing we provide is legal, tax, accounting or financial advice.
  • Your own PCI DSS obligations — completing your own PCI DSS Self-Assessment. PCI DSS compliance is handled by your chosen payment processor; using a hosted payment page typically reduces your business’s PCI scope (often to SAQ A). However, you remain responsible for completing your own PCI Self-Assessment Questionnaire and maintaining appropriate security policies for your business.
  • Data protection — complying with applicable data-protection law in respect of any personal data you control, including the data of your own customers.
  • Lawful use — using the Service, the Website and the Deliverables only for lawful purposes, and not for any fraudulent, misleading or prohibited activity, and not in any way that breaches your PSP’s terms.
  • Cooperation and timely review — providing access, approvals and feedback in good time so we can carry out the work, and reviewing and testing Deliverables before going live.

If you do not meet these responsibilities, we may not be able to provide the Service on time or at all, and we are not responsible for any resulting delay, additional cost or loss.

6. Quotes, Fees and Payment

The Website is a brochure for our service. It does not sell a fixed-price product, and nothing on the Website is an offer to provide work at a particular price.

  • Work is quoted per project. After we have understood what you need, we provide a written Quote setting out the scope, fees and timescales for your specific project.
  • A Quote becomes binding only when you accept it in writing (including by email) or ask us to begin work.
  • Fees, payment schedule (for example any deposit, stage payments or final balance) and what is included are as set out in your Quote.
  • Unless your Quote says otherwise, our fees are payable by bank transfer and are due as stated in the Quote. We may suspend work if an invoice is overdue.
  • Our fees are for our design, build and integration work. They do not include the fees your PSP charges you for processing payments, which are a separate matter between you and your PSP.
  • VAT: SettlePay is not VAT registered, so no VAT is charged on our fees.
  • Any expenses or third-party costs to be passed on to you will be agreed in advance in your Quote.

7. Intellectual Property

  • Your brand assets. Any brand assets, logos, content and materials you provide remain yours. You grant us a licence to use them only as needed to provide the Service.
  • Deliverables. Unless your Quote says otherwise, on full payment of all fees due for a project, we assign or license to you the rights in the bespoke Deliverables we create specifically for you, so that you can use them for your business.
  • Our reusable know-how. We retain ownership of our general methods, techniques, tools, templates, frameworks, libraries and know-how — including anything we developed before or independently of your project, and any generic, non-bespoke components. Nothing in these Terms transfers that to you, and we remain free to use and reuse it for other clients. Your assignment or licence of the Deliverables does not extend to this underlying know-how, but you receive everything you need to use the Deliverables for your business.
  • Third-party components. Some Deliverables may include third-party software or components (for example PSP libraries or open-source code) that are licensed under their own terms. You agree to comply with those terms.
  • Portfolio. Unless we agree otherwise in writing, we may describe and show our work for you as part of our portfolio and marketing, without disclosing your confidential information.

8. Third-Party Services and No Endorsement

The Service relies on third-party services, including PSPs (such as Stripe, Adyen, Checkout.com and GoCardless) and accounting software (such as Xero, QuickBooks and Sage).

  • We are independent of these providers. We are not their agent, partner or representative, and we do not act on their behalf.
  • Any mention of a third-party provider is for description only and is not an endorsement, recommendation or guarantee of that provider. You choose your own PSP and other providers.
  • Your use of any third-party service is governed by that provider’s own terms and pricing, directly between you and them. We are not a party to, and are not responsible for, those services, their availability, their fees, their decisions (including onboarding, underwriting, account suspension or settlement timing), or any act or omission of those providers.

9. Warranties and Disclaimers

  • We will provide the Service with reasonable care and skill, in line with the standard implied by the Consumer Rights Act 2015 and the Supply of Goods and Services Act 1982, as applicable.
  • Where you deal with us as a consumer, nothing in these Terms affects your statutory rights.
  • We do not guarantee any particular commercial outcome — for example any specific increase in payments collected, reduction in debtor days, sales, revenue or savings. Examples and case studies on the Website (including the live client Lockdales Auctioneers, and the illustrative, non-client example “Harbourside Lettings”) are provided to show the kind of work we do and are not promises of results for your business.
  • We do not warrant uninterrupted or error-free operation of any third-party processor or service. PSP and accounting-software uptime, availability and performance are outside our control and are the responsibility of those providers.
  • Except as expressly set out in these Terms, and to the extent permitted by law, all other warranties, conditions and terms (whether express or implied) are excluded.

10. Limitation of Liability

Nothing in these Terms limits or excludes our liability for:

  • death or personal injury caused by our negligence;
  • fraud or fraudulent misrepresentation;
  • any other liability that cannot lawfully be limited or excluded; or
  • where you deal with us as a consumer, your statutory rights.

Subject to the paragraph above:

  • We are not liable for any loss or damage that was not foreseeable, that you could have avoided by following our reasonable advice, or that arises from your breach of these Terms.
  • We are not liable for business losses such as loss of profits, loss of revenue, loss of business, business interruption, loss of anticipated savings, loss of goodwill, or for loss or corruption of data, except to the extent directly caused by our breach.
  • We are not responsible for the acts, omissions, fees, decisions, downtime or failures of any PSP, bank, accounting-software provider or other third party, or for funds settlement (which happens directly between your PSP and your bank).
  • Subject to the non-excludable items above, our total liability arising out of or in connection with each project (whether in contract, tort including negligence, breach of statutory duty, or otherwise) is limited to the total fees you have paid us for that project.

11. Indemnity

You agree to indemnify us and hold us harmless against any claims, losses, liabilities, costs and reasonable expenses we suffer or incur arising out of or in connection with:

  • your breach of these Terms;
  • your use of the Service, the Website or the Deliverables in breach of these Terms or applicable law;
  • the Client Materials you supply (including any claim that they infringe a third party’s rights);
  • your breach of your PSP’s terms or your other third-party providers’ terms; or
  • your failure to meet your own legal, tax, regulatory, data-protection or PCI DSS obligations.

This section does not apply to the extent a matter is caused by our own breach or negligence, and does not require you to indemnify us for liability we cannot lawfully exclude.

12. Confidentiality

Each of us may receive confidential information from the other in connection with the Service. Each of us agrees to:

  • keep the other’s confidential information confidential and use it only to perform or receive the Service; and
  • not disclose it to others except to those who need it and are under similar obligations, or where disclosure is required by law.

This does not apply to information that is or becomes public through no fault of the receiving party, was already lawfully known, or is independently developed. These obligations continue after a project ends. We may still describe our work in our portfolio as set out in section 7, without disclosing your confidential information.

13. Term and Termination

  • These Terms apply from when you start using the Website, and (for the Service) from when a Quote is accepted, until the project is completed or the engagement is ended.
  • Either of us may end an engagement by giving the other reasonable written notice, or immediately if the other materially breaches these Terms and (where the breach can be put right) fails to do so within a reasonable period after being asked.
  • We may suspend or end an engagement if your fees are overdue, or if continuing would put us in breach of law or a third party’s terms.
  • On termination, you must pay for all work carried out and any costs committed up to the date of termination, as set out in your Quote.
  • The sections that by their nature should survive termination (including Definitions, Intellectual Property, Warranties and Disclaimers, Limitation of Liability, Indemnity, Confidentiality, and Governing Law) continue to apply.

14. Website Acceptable Use and Disclaimer

When you use the Website, you agree not to:

  • use it in any unlawful or fraudulent way, or for any harmful purpose;
  • attempt to gain unauthorised access to the Website, its server, or any connected system;
  • introduce malware or anything technically harmful;
  • copy, scrape, reproduce or republish content from the Website except as permitted by law or with our written consent; or
  • misuse the enquiry form or any contact feature (for example by sending spam).

The content on the Website is provided for general information only. While we take care to keep it accurate and up to date, we make no representations or warranties that it is complete, accurate or current, and it does not constitute legal, tax, financial or other professional advice. The Website may include links to third-party sites; we are not responsible for their content. We may suspend, withdraw or change all or part of the Website without notice.

15. Changes to These Terms

We may update these Terms from time to time, for example to reflect changes in how the Service works or in the law. The version that applies to a project is the version in force when your Quote is accepted. The version that applies to your use of the Website is the version published on the Website at the time. We will show the “Last updated” date at the top of these Terms. Please check back from time to time.

16. Governing Law and Jurisdiction

These Terms, their subject matter and their formation are governed by the law of England and Wales. You and we both agree that the courts of England and Wales have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms, the Website or the Service. If you live in another part of the UK, you may also be able to bring proceedings in your home jurisdiction where the law allows.

17. How to Make a Complaint

We want you to be happy with our work. If something has gone wrong, please tell us so we can put it right.

  • Email: hello@settlepay.uk
  • Post: Finlay Salisbury, trading as SettlePay, 2b Rodney Street, London, N1 9FS, United Kingdom
  • Or use the enquiry form on the Website.

Please include your name, contact details and a clear description of the issue. We will acknowledge your complaint and aim to respond within a reasonable time, and we will work with you in good faith to resolve it.

If your complaint relates to payment processing or settlement, please note this is handled by your chosen PSP under their own terms — you may also need to raise it directly with your PSP, who will have their own complaints procedure.

If your complaint relates to how we handle your personal data, and you are not satisfied with our response, you can contact the Information Commissioner’s Office (ICO), the UK’s data-protection regulator:

  • Website: https://ico.org.uk
  • Address: Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF

(ICO registration is in progress; our registration number will be published here once it is issued.)

These Terms are between you and Finlay Salisbury, trading as SettlePay (a sole trader). They do not create any agency, partnership or joint venture between us. If any part of these Terms is found to be unenforceable, the rest will continue to apply.