1. 1. Welcome to Tappo, the only App you’ll ever need!

We are glad you decided to join us in transforming the way you access services! Please read our Terms and Conditions carefully to understand how Tappo works, our rules, and how to make the most of what we offer.

2. 2. About Tappo

Tappo is a superapp. It allows you to carry out a variety of functions from one centralised platform. You can pay and receive money contactlessly, view menus and order from businesses that collaborate with us. We do not own any of the businesses or items & services listed. We do not control or monitor the prices, quality and service of the businesses that use our platform. We also do not process payments ourselves directly, as this is executed through your banking app. Tappo does not guarantee in any way that the items listed on our platform are legal, safe, true to their advertising, of good quality or that a transaction will be successfully completed. While any issues belonging to this category are the sole responsibility of the businesses that use our platform, you may report them to us so that we can improve our services and minimize such incidents.

We deeply care about the quality of our services, and the protection and security of our users and partners’ information. The present terms together with our Privacy Policy and other policies included at www.supertappo.com form the rules and under which we provide our services.

Should you have any questions, or need any assistance relevant to the present terms and conditions you can reach us at info@supertappo.com.

3. Using Tappo

   1. You must have a UK bank account to use Tappo to pay and receive money.

   2. By using the Tappo app, you agree to respect Tappo’s Terms and Privacy Policy.

   3. If you do not agree with these, you will not be permitted to use the Tappo app and it’s services.

   4. You should read and understand this document before you accept our terms and conditions.

   5. You will only be allowed to use the Tappo app if you are 18 years old or older. By using Tappo you confirm that you are 18 years old or older.

   6. Tappo’s terms apply from the moment you download our app to your device.

   7. The ‘Tappo App’ refers to the software application and services available through “Tappo” (hereinafter also referred to as ‘we’, ‘us’, ‘our’). Businesses use our app to set up their own e-shops, instruct payments that are executed by banks, and market their services. Services may vary.

   8. Tappo may require your device’s software to be up-to-date for the application to function.

   9. We are constantly evolving and we may add new features or alter already existing features of our app. Depending on the nature of these, you may have to update your version of Tappo through the App Store or Google play and agree with a refreshed version of our terms & conditions to continue using our services.

   10. Tappo may partner with third parties or providers or suppliers to efficiently provide its services. Tappo will only collaborate with partners, external providers, or suppliers that uphold equivalent to Tappo or stricter information security and privacy policies and procedures and will do so lawfully.

   11. We take reasonable steps to ensure that our providers, partners, and suppliers are reliable prior to entering into a relationship with them. However, they are independent legal bodies and we cannot control and hence be responsible for any unfavourable outcome due to their activity or lack of.

   12. At no point are we ‘jointly controlling’ personal data or operating in a ‘controller to processor’ relationship with the businesses using our platform.

   13. Upon registration, you may be asked to verify your identity. We need this for us to meet what is expected from us by law. We will ensure that this is conducted in a safe and secure way and that your personal data remain protected. For more information on how we do this, please read our Privacy Policy.

   14. During the verification process, you must only provide information that is true to the best of your knowledge. Failure to provide correct information or complete the identity verification process could mean that Tappo refuses to provide its services to you. If any of the information we ask you for becomes outdated, you may have to notify us.

   15. At Tappo we work hard to provide a smooth and seamless platform to those that use our service. Still, this may be disturbed where events beyond our control have intervened. By agreeing to our terms and conditions you acknowledge that we are not responsible for acts or omissions beyond our control, including technical difficulties and glitches and issues for which our suppliers or other external providers are solely responsible.

   16. You will need a valid email address and phone number to create your new account and will be asked to generate a password. This will be stored securely within our servers. You should not share your login details with any third parties. To protect your account, your password should not be easy to guess and should not be one you use for your other online accounts.

   17. You will be asked to verify your email. Doing so will help us recover your account fast, easily, and securely, if you forget your login details.

   18. We will never contact you to ask for your password or other login credentials.

   19. You are responsible for any transactions or impact to your account caused by unauthorised access to your Tappo account. Whenever your correct credentials are used to login, Tappo will assume it is you accessing your account.

   20. You should notify us immediately if you feel your account may have been compromised.

4. Tappo’s Services

   1. Tappo offers businesses a platform to organise and facilitate the dine-in and food delivery & collection services they already offer or may plan to offer. Tappo merely supplies the platform and is not responsible for the use businesses make of it. Businesses remain responsible for any customer complaints or other issues relevant to the quality of their services. They are responsible for carrying out the orders and reservations received through our platform. They also supply their own drivers to conduct deliveries.

   2. Through Tappo you may receive promotions and offers from the businesses that collaborate with us.

   3. Through Tappo you will be able to generate unique payment QR codes that will enable you to receive payments from third parties.

   4. Everytime you use Tappo from your account you confirm to us that:

      1. You are legally authorised to access the account

      2. You are at least 18 years old

      3. You understand that certain technical errors may arise. Where technical errors lead to a loss, you agree that Tappo is not responsible for compensating you. We will do everything within our capacity to fix the error or prevent recurrence where that is possible.

   5. In relevance to Tappo you are not permitted to:

      1. Use Tappo to break the law or in a way that breaks the present Terms, or to act fraudulently or maliciously,

      2. Violate any third party legal and moral rights (including trademark and copyright infringement)

      3. Let anyone other than you access your account

      4. Use Tappo’s intellectual property in an unauthorised manner

      5. Use Tappo in a manner that could compromise or limit our ability to provide our services securely (e.g. intentionally overburdening our servers)

      6. Seek to change or decrypt any information to/from our servers

      7. Use Tappo if you are not legally able to enter contracts

       

   6. You may have to compensate Tappo for any damages or losses suffered due to your misuse of our app and services.

   7. Where a transaction does not go as planned, or you wish to seek a refund you should contact the business you are transacting with directly or your bank. Tappo merely helps you instruct a payment and does not process or hold any payment information or ability.

   8. We use various third-party services and these Terms & Conditions govern the supply of Account Information Services by Tappo Pay Limited (“Tappo”), which are regulated under the Payment Services Regulations 2017. For these services, Tappo is acting as the registered agent of Moneyhub Financial Technology Ltd, (“Moneyhub”).
      
      Moneyhub Financial Technology Ltd is a limited company registered in England and Wales (company reg. no. 06909772) with its registered office and principal trading address is at Regus House, 1 Friary, Temple Quay, Bristol, BS1 6EA; VAT number GB343601232. Moneyhub is registered with the Information Commissioner (No. Z2507137). Moneyhub is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (reference number: 809360) for the provision of payment services.
      
      Full conditions of use for the Moneyhub API service are available here.

5. End of Business Relationship

   1. We reserve the right to suspend or terminate our relationship wholly or partially at any time. We may do so if you have breached the present Terms and Conditions, have failed to successfully verify your identity, or where we find there to be a reason compelling us to do so, or where it is required by law.

   2. If we cease providing our services to you,it remains within our discretion whether or not to resume our services or reactivate a deactivated account.

   3. If your account remains inactive for an unreasonable period of time, we may deactivate your account. You will then need to register a new account in order to continue using our services.

   4. We may also suspend our services in the event of a security breach or other actual or suspected illegal activity derived from compromised security of our app.

   5. We reserve the right to suspend, modify, or otherwise not provide all or part of our services to anyone. The duration of this will be at Tappo’s discretion.

   6. You may end your collaboration with Tappo at any time by deleting the app from your device after deleting your account in-app. If you cannot delete your account or remove the app without deleting your account please contact us at info@supertappo.com and we will delete your account details. Even if you no longer hold an account with us, we may keep some of the information you have supplied us with (e.g. identity verification) as required by law and in accordance with Tappo’s Privacy Policy and Anti-money Laundering Policy.

   7. Before your account is completely terminated or suspended, all fees owed to Tappo, incomplete customer orders, and other obligations must be paid, reimbursed or complete. Should our relationship end in any way, Tappo reserves the right to seek reimbursement for any unpaid amounts and all associated costs of the process for doing so.

6. Tappo’s Promise

   1. Tappo is responsible for respecting the personal data you supply us with, in accordance with our Privacy Policy.

   2. Tappo is also responsible for operating in a lawful manner and fulfil its legal obligations to you.

   3. Tappo is legally required not to violate your statutory rights.

   4. You can contact us at any point to file a complaint with us. If you remain unhappy with how we’ve handled your complaint you may wish to contact the Information Commissioners’ Office, where the complaint regards misuse of personal information ( https://ico.org.uk/make-a-complaint/) or to the financial ombudsman ( https://ico.org.uk/make-a-complaint/ onceTappo receives FCA regulation approval)

7. Limitation of Liability

   1. The restaurants and businesses that use our platform to promote and sell their services are solely responsible for the quality, legality, and safety of the items listed.

   2. Your bank is solely responsible for successfully processing any transactions you instruct through using Tappo links or QRs.

   3. Your bank is solely responsible for the provision, availability and security and any additional factor relevant to the Application Programming Interface (API) that Tappo requires to process transactions.

   4. Tappo has no liability for any damage to your device(s) following the installation or use of our app.

   5. Tappo is not responsible for any incomplete or incorrect orders. These should be addressed directly with the businesses themselves. Any fair compensation or refund you may be owed is a sole responsibility of the business itself.

   6. We are not responsible for issues you may encounter during a transaction, including those that are beyond our control (e.g. technical glitches, failure of banking apps or insufficient funds of your customers).

   7. You also acknowledge that in the course of using our service, potential interruptions due to maintenance or system upgrades and that Tappo is not responsible for the effect this may have on your ability to use the app.

8. Disclaimer

   1. There are no implied warranties whatsoever. You are using Tappo’s services as they are available. You are hereby being informed that the Tappo app may occasionally contain errors or inaccurate, non-uptodate information. While this will never be intended, we cannot guarantee it will not occur.

9. Changes

   1. Tappo reserves the right to update its software at any time as well as the present terms and conditions. Where this is the case, you may be contacted and notified.

10. Additional Terms

    1. Tappo operates in the UK and is governed by English Law.

    2. A potential failure on our part to respond or react to your actions will under no circumstances imply that we have waived our rights against you.

    3. You may not assign, licence or otherwise transfer your obligations and rights with respect to the present terms to another person.