Terms & Conditions

1. About Us

This platform is operated by My Trade Pal Ltd ("we", "us", "our").

• We provide an online marketplace that connects customers with independent tradespeople.
• We do not provide, perform, or manage any trade services directly.

2. Platform Status

We act solely as a technology platform and intermediary. We are not:

• A contractor
• An employer of tradespeople
• An agent for either party
• A party to any contract formed between users

All agreements are strictly between the customer and the tradesperson.

3. No Agency / No Partnership

Nothing in these Terms creates a partnership, joint venture, or agency relationship between us and any user. My Trade Pal is an independent technology intermediary only.

4. User Accounts

To use My Trade Pal, users must:

• Be 18 years of age or older
• Provide accurate and truthful information
• Maintain the security of their account credentials

We reserve the right to suspend or terminate accounts at our discretion.

5. Services and Contracts

All work agreements are made directly between customers and tradespeople. We do not:

• Negotiate terms on behalf of either party
• Supervise or oversee any work carried out
• Enforce agreements between users

6. Payments (Stripe Connect Model)

Payments are processed via Stripe or similar third-party providers. We:

• Do not hold client funds
• Do not act as escrow
• Do not guarantee payment

All payment disputes are strictly between users.

7. Fees

We may charge tradespeople for:

• Access to job opportunities
• Submitting quotes
• Platform usage

All fees are clearly displayed before any transaction and are non-refundable unless required by law.

8. Reviews and Content

We do not verify or guarantee the accuracy of user reviews. We may remove content that is:

• Misleading or deceptive
• Offensive or abusive
• Fraudulent or fake

9. No Vetting or Endorsement

We do not:

• Vet or background-check tradespeople
• Verify qualifications or certifications
• Guarantee the quality of any work performed

Users engage with each other entirely at their own risk.

10. User Responsibilities

Tradespeople must:

• Comply with all applicable laws and regulations
• Hold appropriate qualifications and insurance
• Provide accurate information at all times

Customers must:

• Provide accurate job details
• Pay agreed amounts promptly

11. Prohibited Use

Users must not:

• Misrepresent themselves or their qualifications
• Circumvent or avoid platform fees
• Use the platform fraudulently
• Harass or abuse other users

12. Liability

To the fullest extent permitted by law, we are not liable for:

• Work carried out by tradespeople
• Loss or damage to property
• Financial loss of any kind
• Non-performance of agreements or disputes between users

Our total liability, if any, is limited to the amount paid to us in the preceding 12 months. Nothing in these Terms excludes liability where it cannot legally be excluded.

13. Use at Own Risk

Users acknowledge that use of the platform is entirely at their own risk. My Trade Pal provides no warranties regarding the suitability, quality, or reliability of any tradesperson or service found through the platform.

14. Indemnity

Users agree to indemnify and hold us harmless against any claims arising from:

• Their use of the platform
• Breach of these Terms

15. Suspension and Termination

We may suspend or terminate accounts where:

• These Terms have been breached
• Fraudulent activity is suspected

16. Changes to Service

We reserve the right to modify, suspend, or discontinue the platform at any time without prior notice. Continued use of the platform after changes constitutes acceptance of the updated terms.

17. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.