Terms of Service

These terms of service (the Terms) govern your use of the Vabva platform, website at https://vabva.com, and related services (together, the Platform). The Platform is operated by VABVA LTD (we, us, our or Vabva), a company registered in England and Wales. Our contact details are set out in the How to contact us section at the end of this document and on our contact page at https://vabva.com/contact.

You are asked to agree to these Terms at the point you take a key action on the Platform — in particular when you join as a Contractor, before you first buy credits, and when you submit a job as a Customer. Where we present these Terms with a tick box or a clear "by continuing you agree" notice next to that action, you accept them by taking that action, and we record the version and date of the Terms you accepted. If you do not agree, do not use the Platform. Please read the Risks and Disclaimers and Limitation of Liability sections carefully — they limit our responsibility to you.

These Terms take effect on 22 July 2026.

Who we are and what Vabva is

Vabva is an online lead marketplace and technology platform that introduces customers in London who need home-services work (Customers) to local independent tradespeople and businesses who offer that work (Contractors or pros). A Customer describes a job, Contractors pay to submit quotes, and the Customer chooses which Contractor (if any) to hire.

We are an introducer only. This is fundamental to how Vabva works and to these Terms:

• The contract for the actual work is made directly between the Customer and the Contractor. Vabva is not a party to that contract.
• Vabva does not supply, carry out, manage, supervise, subcontract or control the home-services work. We are not the supplier of those services.
• Contractors are independent third parties. They are not our employees, workers, agents, partners or subcontractors, and we do not act as their agent.
• We do not employ, train, vet, background-check, DBS-check, qualify, endorse, guarantee or insure Contractors or their work, and we do not verify their qualifications, licences, right to work or insurance.
• We take no commission on the work. We earn only from the credits Contractors spend to submit quotes.

Our role is limited to operating the Platform that connects Customers and Contractors and providing the related tools described in these Terms.

Eligibility

To use the Platform you must be at least 18 years old and able to enter into a legally binding contract. By using the Platform you confirm that you meet this age requirement. The Platform is for home-services jobs in London and for users based in the United Kingdom. Contractors must be legally entitled to carry out the trades they offer and to work in the UK.

If you use the Platform on behalf of a business, you confirm you have authority to bind that business, and you includes that business.

Your account and signing in

You can start using the Platform in the following ways:

• Customers can post a job without first creating an account. You may sign in to save an address and manage your jobs.
• Contractors create an account when they join, usually via an invitation.

We use passwordless sign-in: we email you a one-time sign-in code or magic link, so there is no password to remember. You may also choose to sign in with Google. You are responsible for keeping access to your email account secure and for all activity under your account. Tell us promptly, using the How to contact us section at the end of this document or our contact page at https://vabva.com/contact, if you believe your account or email has been compromised. Sign-in codes and links are single-use and time-limited.

You must give accurate account information and keep it up to date. You may not share your account, impersonate anyone, or create an account using someone else's details.

How the marketplace works — for Customers

As a Customer:

• You describe your job in your own words and, where relevant, add a location and photos. The job category is classified automatically to help match Contractors — you do not have to choose it.
• Posting a job is free and places you under no obligation to hire anyone. Quotes are free, no-obligation quotes.
• Interested Contractors submit quotes, up to a limited number of paid quote slots per job (currently a maximum of four). You can review the quotes and choose which Contractor, if any, to hire. You are never obliged to accept a quote.
• You manage and track your job through a private tracking link. Treat this link as confidential — anyone with it can view your job and act on it. You use it to view quotes, choose a pro, cancel or reactivate your job, and leave a review.
• You can cancel a job while it is new, assigned, or in progress.

Once you choose a Contractor, you deal and contract directly with that Contractor for the work, its price, its timing, and any guarantees. Vabva is not involved in that contract and is not responsible for the work.

How the marketplace works — for Contractors

As a Contractor:

• You register with your name, email, UK mobile number, the trades and categories you offer, and your base postcode (which we geocode once to match you to nearby jobs).
• We may notify you of relevant jobs by SMS and email. To submit a quote on a job you spend credits (see Credits and payments). Submitting a quote spends credits; editing a quote you have already submitted is free.
• Quotes are treated as sealed bids and remain editable until the Customer books you. If a Customer chooses you, we notify you by SMS and email.
• Each job holds at most a limited number of paid quotes (currently four), after which no further quotes can be submitted.
• Your standing on the Platform (for example, whether you are shown newer jobs) reflects your activity and responsiveness. It is an operational signal only and is not an endorsement, rating or guarantee of you by Vabva.

If a Customer chooses you, you contract and deal directly with the Customer for the work. You are solely responsible for the work, its quality, safety, price and completion.

Credits and payments

Credits are the virtual currency Contractors use to submit quotes. Key terms:

• Price. A credit costs a fixed £5.00 (five pounds) each. This price does not vary.
• Cost of a quote. A quote costs a set number of credits depending on the job category. This is normally one credit per quote, but higher-value categories may cost more (up to twenty credits per quote). The cost is shown before you commit to a quote. So the effective price of a quote is that number of credits multiplied by £5.
• Quote cap. Each job accepts at most a limited number of paid quotes (currently four).
• Expiry. Credits expire 90 days (about three months) after they are added to your account, whatever their source (one-off purchase, subscription, auto top-up, starter credits or refund). Credits are spent on a first-in, first-out basis, using the soonest-to-expire credits first. We aim to email you a reminder before a batch expires. Expired credits are lost and are not refunded or replaced.
• No cash value. Credits have no cash value, cannot be exchanged for money, and cannot be transferred to anyone else.
• Starter credits. Newly invited Contractors receive a number of free starter credits (currently five) to get going. These are subject to the same 90-day expiry and have no cash value.

Refunds

Credits are generally non-refundable. There are two limited exceptions, and in each case we refund one credit to each affected Contractor as a fresh batch with a new 90-day expiry:

• Automatic refund on an unpicked lead. If a Customer never chooses a Contractor, the job is automatically cancelled (after a reminder to the Customer and a further waiting period) and we credit one credit to each Contractor who submitted a quote on that job.
• At our discretion. We may credit one credit in other cases at our sole discretion — for example, for a genuinely bad lead (such as a fake enquiry, a job clearly out of area, or wrong contact details).

These refunds are a fixed one-credit goodwill credit and are not necessarily equal to the number of credits a quote cost in a higher-value category. Except as required by law, we do not offer cash refunds, and credits already spent on a submitted quote are not otherwise returned.

Subscriptions

Contractors may take out a subscription for a recurring monthly batch of credits at a discounted price per credit (currently a 15% discount, i.e. £4.25 per credit), for a chosen number of credits per month within the permitted range. Credits are granted with each paid monthly invoice, on a recurring basis, until you cancel. Plan changes take effect from the next billing cycle. You may cancel at any time, effective at the end of the current paid period; we do not claw back credits already granted, and part-months are not refunded. Subscription credits are subject to the same 90-day expiry and no-cash-value rules.

Auto top-up

You may optionally turn on auto top-up, which automatically charges your saved card to bring your balance back up to a target you set when it drops to your chosen trigger. Auto top-up is off by default and must be switched on by you. Auto top-up purchases are charged at the standard fixed price of £5 per credit (the subscription discount does not apply) and are subject to a daily cap on the number of automatic charges.

If an auto top-up charge is declined, we will retry it over a period of up to about a week rather than switching off immediately. If all attempts fail, auto top-up is switched off and you will need to re-enable it. We will email you when auto top-up first fails and when it is switched off. You are responsible for keeping a valid payment method on file.

Card processing, VAT and receipts

All payments are processed by Stripe through Stripe's hosted checkout, billing portal and secure card processing. Vabva does not store or handle your full card number — card details are held only by Stripe. You can manage your saved card, view invoices and receipts, and cancel a subscription through the Stripe billing portal.

Prices for credits are stated and charged in pounds sterling. Unless a price or receipt expressly states that VAT is included or added, prices are the total amount charged and no separate VAT line is applied. Where we are required to charge VAT, it will be shown accordingly. You are responsible for your own tax affairs.

No commission, invoicing tool, and settling directly

Vabva takes no commission on the work and takes no cut of what a Customer pays a Contractor — Contractors keep 100% of every job they win.

We provide a free invoicing tool that a Contractor can use to raise an invoice to a Customer for the work. This tool is a convenience only:

• Vabva is not a party to any invoice raised using the tool, nor to the underlying contract for the work.
• Vabva does not process, collect, guarantee or handle payment of those invoices. The Customer and Contractor settle payment directly between themselves, and the Contractor marks an invoice as paid or unpaid.
• The fact that an invoice is generated through, references, or is verifiable via Vabva does not make us responsible for the work, the amount charged, or whether it is paid.

Contractor obligations

If you are a Contractor, you agree that you are solely responsible for, and warrant that:

• you hold all qualifications, licences, registrations, certifications and permissions required by law for each trade you offer (for example, Gas Safe registration for gas work, or Part P competence for certain electrical work), and you will not offer or carry out work you are not lawfully entitled to perform;
• you have the right to work in the UK and are properly registered for tax and any regulatory purposes that apply to you;
• you carry your own insurance appropriate to your trade (for example public liability and, where relevant, professional indemnity or employer's liability insurance) — Vabva provides none;
• you will comply with all applicable laws, regulations, standards and codes of practice, including health and safety, building regulations, consumer protection law and, where the Customer is a consumer, the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013;
• your profile, trades and quotes are accurate and honest, and you will not mislead Customers about your identity, credentials, insurance or the work;
• you will honour the quotes you submit and deal with Customers fairly, professionally and in good faith;
• you will carry out any work you are engaged to do with reasonable care and skill and complete it as agreed with the Customer;
• you will not circumvent the Platform to avoid credit costs — for example by using a lead you obtained through Vabva to approach the Customer off-platform in order to submit or replace a quote without paying, or by soliciting Customers to move a specific job off-platform to evade credit charges. Once you and a Customer have connected, you are of course free to contract and communicate directly about that job.

The obligations in this section (including honouring your quotes and your conduct towards Customers) are contractual promises you make. Vabva does not police or enforce them for you, does not impose penalties for breach, and does not run a dispute-resolution service for the work. A dispute about a quote, the work, its price or completion is between you and the Customer.

Customer obligations

If you are a Customer, you agree that:

• the information you provide about your job (including its description, location, access and any photos) is accurate and not misleading, and you have the right to have the work done at the property;
• you will deal directly and in good faith with the Contractor you choose, agree the scope, price and timing with them, and pay them as agreed;
• you understand that Vabva is not responsible for the Contractor, the work, its price or its quality, and that any dispute about the work is between you and the Contractor;
• you will keep your job tracking link confidential.

Reviews and user content

The Platform lets Customers leave a review of a Contractor after a completed job, and lets you upload content such as job descriptions and photos (User Content). Reviews are user-generated: they reflect the views of the Customer who wrote them, not Vabva, and may publish immediately.

You agree that your User Content, including reviews, is accurate, your own or content you have the right to share, and not unlawful — for example not defamatory, harassing, obscene, discriminatory, misleading, in breach of anyone's privacy or intellectual property rights, or otherwise in breach of these Terms.

You grant Vabva a worldwide, non-exclusive, royalty-free, sub-licensable licence to host, store, use, reproduce, adapt, publish and display your User Content for the purposes of operating, promoting and improving the Platform (for example, showing a review on a Contractor's public profile). This licence continues for content that remains on the Platform.

We may, but are not obliged to, moderate User Content. We may refuse, suppress, hide, edit or remove any User Content — including reviews we reasonably believe are fake, incentivised, abusive or in breach of these Terms — and we may take measures to detect and reduce review manipulation. We are not responsible for User Content posted by others.

Risks and disclaimers

Because Vabva is only an introducer, you accept the following, to the fullest extent permitted by law:

• We do not vet, screen, background-check, DBS-check, qualify, endorse, recommend, guarantee or insure any Contractor, and we do not verify their qualifications, licences, right to work, insurance, or the quality, safety, legality or completion of their work.
• The listing of a Contractor, their appearance in your matches, their standing, and any reviews are not a recommendation or warranty by us. You are responsible for checking a Contractor's credentials, insurance, references and suitability yourself before engaging them, and for satisfying yourself about the price and scope.
• We make no warranty that the Platform will produce any quotes, that any quote will be suitable or competitive, that a job will be completed, or that a Customer will hire anyone or pay.
• The Platform and any tools (including the invoicing tool, matching, notifications and geolocation) are provided "as is" and "as available". To the extent permitted by law, we exclude all implied warranties, terms and conditions. We do not warrant that the Platform will be uninterrupted, error-free or secure.
• Any information on the Platform (including automated job classification) is provided for convenience and may be incomplete or inaccurate.

Nothing in this section affects the non-excludable statutory rights of a Customer dealing as a consumer.

Insurance

Vabva does not provide any insurance, warranty, guarantee or workmanship cover for any job, Customer or Contractor. Contractors must carry their own appropriate insurance. Customers are strongly advised to confirm a Contractor's insurance (and to obtain evidence of it) before work begins. Any cover a Contractor holds is a matter between the Contractor, the Customer and the relevant insurer; Vabva is not a party to it.

Limitation of liability

Nothing in these Terms limits or excludes any liability that cannot be limited or excluded by law, including liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or any other liability that cannot lawfully be limited. In particular, if you are a Customer dealing as a consumer, nothing in these Terms limits or excludes your non-excludable statutory rights, and the exclusions and limitations in this section apply to you only so far as the law allows.

Subject to that:

• Vabva is not liable for the acts or omissions of any Contractor or Customer, for the work itself, or for any contract, dispute, loss, injury, damage or non-payment arising between a Customer and a Contractor. Any such dispute is solely between them.
• We are not liable for any loss or damage caused by a Contractor's lack of qualification, licence, insurance, skill or honesty, or by defective, unsafe, incomplete or delayed work.
• We are not liable for any indirect or consequential loss, or for loss of profit, revenue, business, goodwill, anticipated savings, data, or opportunity, in each case whether arising in contract, tort (including negligence), breach of statutory duty or otherwise.
• Where we supply the Platform to you as a business (including all Contractors, who use the Platform in the course of a business), our total aggregate liability to you arising out of or in connection with the Platform and these Terms is limited to the greater of (a) the total amounts you paid us (for example for credits) in the twelve months before the event giving rise to the claim, and (b) £100.
• Credits have no cash value; our liability in respect of credits will not exceed the amount you actually paid for the credits in question.

The £100 / twelve-month cap and the exclusions of indirect and consequential loss in this section apply to Contractors and other business users. They do not apply to a Customer dealing as a consumer, whose rights are described under Consumer rights below.

Indemnity

This indemnity applies only if you are a Contractor or another business user. It does not apply to Customers acting as consumers, who give no indemnity under these Terms.

If you are a Contractor or business user, you agree to indemnify and hold harmless Vabva and its officers, employees and agents from and against any claims, liabilities, losses, damages, costs and expenses (including reasonable legal fees) arising out of or in connection with: your use of the Platform; your User Content; the work you offer, request, carry out or receive; any contract or dispute between you and another user; or your breach of these Terms or of any law. This does not apply to the extent a claim arises from our own breach of these Terms or our negligence.

Intellectual property

The Platform, and all software, text, graphics, logos, trade marks and other content we provide (excluding User Content), are owned by or licensed to Vabva and are protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Platform for its intended purpose in accordance with these Terms. You may not copy, modify, distribute, sell, scrape, reverse-engineer or create derivative works from the Platform except as permitted by law. "Vabva" and our logos may not be used without our permission.

Prohibited conduct

You must not:

• use the Platform for any unlawful, fraudulent or harmful purpose, or to post false, misleading or spam content;
• post or request illegal work, or work you are not qualified or entitled to carry out;
• harass, threaten, defame or discriminate against any user, or infringe anyone's rights;
• submit fake enquiries, fake quotes, or fake or incentivised reviews, or otherwise manipulate the marketplace, ratings or standing;
• circumvent, disable or interfere with the Platform's security, credit system, rate limits or notifications, or attempt to access data you are not authorised to access;
• scrape, harvest or misuse other users' personal data, or use it for anything other than the specific job for which it was shared;
• use bots, automated means or bulk methods to access the Platform without our written permission;
• interfere with, overload or damage the Platform or any connected systems.

Consumer rights (for Customers who are consumers)

If you are a Customer using the Platform as a consumer (outside your trade, business or profession), you have statutory rights that these Terms do not affect. In particular:

• The contract for the work is between you and the Contractor. Your rights over the quality of that work — including that a service must be performed with reasonable care and skill under the Consumer Rights Act 2015 — are rights you have against the Contractor, not Vabva, because Vabva does not supply the work.
• Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, where a Contractor is a business supplying you at a distance or off-premises, you generally have a 14-day cancellation period for that contract with the Contractor. If you ask the Contractor to start the work during that period, you may have to pay for what has already been done, and you lose the right to cancel once the service is fully performed. You should raise any such cancellation with the Contractor. Many Contractors are businesses but some arrangements may differ, so check with your Contractor.
• As between you and Vabva, our own service to you (operating the Platform for Customers) is free, so no payment-based cancellation rights arise in respect of it.

Contractors purchase credits and subscriptions from Vabva in the course of a business. The consumer cancellation rights under the 2013 Regulations therefore do not apply to those purchases, and no 14-day cancellation right arises in respect of them. Credits are supplied and become available for use immediately.

Alternative dispute resolution

We are not required to use, and do not currently participate in, an alternative dispute resolution (ADR) scheme for disputes about the Platform. If we cannot resolve a complaint about the Platform with you directly, you may bring the matter to the courts as described under Governing law and jurisdiction. This does not affect any statutory rights you have as a consumer. Disputes about the work are between the Customer and the Contractor, and any ADR, guarantee or trade-body scheme is a matter for that Contractor.

Suspension and termination

You may stop using the Platform at any time and may ask us to close your account using the How to contact us section at the end of this document or our contact page at https://vabva.com/contact. We may suspend, restrict or terminate your account or access to the Platform, and remove content, if you breach these Terms, if we reasonably suspect fraud, misuse or risk to other users, or if we are required to do so by law. Where reasonable and lawful, we will give you notice.

On termination, unused credits are forfeited except where a refund is required by law or given at our discretion, and the licences you have granted over User Content that remains on the Platform continue. Provisions that by their nature should survive (including those on liability, indemnity, intellectual property and governing law) will survive termination.

Third-party services and links

The Platform relies on third-party services (for example Stripe for payments, and providers used to send SMS and email). Your use of those services may be subject to their own terms. We are not responsible for third-party services, websites or content that we do not control.

Privacy

We process personal data in accordance with our Privacy Policy and applicable data protection law, including the UK GDPR and the Data Protection Act 2018. For privacy queries or to exercise your data protection rights, please use the How to contact us section at the end of this document or our contact page at https://vabva.com/contact. Our data protection regulator is the Information Commissioner's Office (ICO). If you are unhappy with how we have handled your personal data, you have the right to complain to the ICO at ico.org.uk (telephone 0303 123 1113), although we would welcome the chance to address your concerns first. When you share your details with another user to arrange a job, you become responsible for how you use each other's information for that job.

Complaints

If your complaint is about the work or the contract for the work, please raise it first with the Contractor (or, for a Contractor, with the Customer), as Vabva is not a party to it. If your complaint is about the Platform or our own conduct, please contact us using the How to contact us section at the end of this document or our contact page at https://vabva.com/contact, and we will try to resolve it fairly and promptly.

Changes to these Terms

We may change, update, or replace these Terms at any time and at our sole discretion, with or without prior notice to you. The version published at https://vabva.com/terms is always the current version, and any change takes effect as soon as it is posted there, or on any later date we state. We may, but are not obliged to, notify you of changes — for example by email or by a notice on the Platform — and the absence of notice does not affect the validity of a change.

It is your responsibility to review these Terms from time to time. If you continue to use the Platform after a change takes effect, you are treated as having accepted the updated Terms. If you do not agree to a change, you must stop using the Platform, and you may close your account.

Nothing in this section removes any of your legal rights that cannot be excluded by law. A change will not apply retrospectively to a transaction you have already completed, and where the law requires us to give you advance notice of, or an opportunity to reject, a particular change (for example a material change affecting an ongoing paid subscription), we will comply with that requirement.

General

• Entire agreement. These Terms (together with any policies they refer to) are the entire agreement between you and us regarding the Platform.
• Severability. If any provision is found unenforceable, the rest remain in force.
• No waiver. If we do not enforce a right, that is not a waiver of it.
• Assignment. You may not assign your rights under these Terms without our consent; we may assign or transfer ours where your rights are not materially prejudiced.
• Third parties. Except where stated, a person who is not a party to these Terms has no rights under the Contracts (Rights of Third Parties) Act 1999.

Governing law and jurisdiction

These Terms, and any dispute or claim arising out of or in connection with them or the Platform (including non-contractual disputes or claims), are governed by the law of England and Wales. The courts of England and Wales have exclusive jurisdiction, except that if you are a consumer resident elsewhere in the UK you may also bring proceedings in the courts of the part of the UK where you live.