Terms of Service

Effective date: 10 September 2026  ·  Version 3.0

1. About these terms

These Terms of Service ("Terms") form a legally binding agreement between you and Yoley Limited, a company registered in England and Wales (company number 14113958) with its registered office at Sterling House, F2/F3, Davidson Road, Lichfield, England, WS14 9DZ ("Yoley", "we", "us").

By downloading, installing or using the Yoley app ("the App") you agree to these Terms. If you do not agree, do not use the App.

These Terms should be read alongside our Privacy Policy, which explains how we handle your personal data. We maintain a version history of these Terms — see section 18.

2. Eligibility

To use Yoley you must:

• Be aged 18 or over
• Be based in the United Kingdom
• Be using the App for legitimate business purposes
• Have a valid Apple ID and a compatible iPhone (and, where supported, iPad) running a supported version of iOS. The current minimum iOS version is shown on the Yoley listing on the Apple App Store.

Yoley is a business-to-business tool. It is not intended for personal, domestic, or consumer use. If you are a consumer (using the App outside of a trade, business, or profession), please note that certain consumer protection rights under the Consumer Rights Act 2015 may apply to you in addition to these Terms.

3. The service

3.1 What Yoley provides

Yoley is a business management app for UK tradespeople that includes:

• Quote and invoice creation and management
• Customer contact management
• Job diary and scheduling
• Expense capture and tracking
• Card payment acceptance via Monek (requires a Monek merchant account — see section 5)
• Pay by Link generation via Monek
• The ability to apply for a Monek merchant account from within the App or our website (see section 5)
• Purchase order management
• Recurring payment scheduling
• Lead and enquiry management
• An optional AI assistant providing general business guidance (see section 6)

3.2 Features in development

Some features described in the App or on our website, such as Tap to Pay on iPhone, are not yet available. We label these clearly as coming soon. We do not promise that any feature in development will be released, or when.

3.3 Free of charge

The App is provided free of charge. We may change the features the App includes from time to time.

3.4 Availability

We aim to keep the App available at all times but do not guarantee uninterrupted access. We may suspend the service temporarily for maintenance, updates, or reasons outside our control (including Apple App Store availability, iCloud outages, AI provider downtime, or payment processor downtime).

4. Price

The App is free. There is no subscription, no free trial and no in-app purchase, and we do not take payment from you through the App Store.

If we introduce paid features in future, we will show you what they include and what they cost before you buy, and they will be sold on the terms shown at that time. We will update these Terms before any paid feature is offered.

The only charges connected with using Yoley are card processing fees, which are charged by Monek under your merchant agreement with them (see section 5), not by Yoley.

5. Payments and card processing (Monek)

All card payment processing, Pay by Link and related merchant services available in the App are provided by Monek Merchant Services Limited ("Monek"), Yoley's exclusive embedded payments partner. Monek is authorised and regulated by the Financial Conduct Authority.

• Yoley does not handle, transmit or store your customers' card details. Card data is captured and processed directly by Monek's systems.
• To use payment features you must hold a Monek merchant account and agree to Monek's own terms and conditions, which govern the payment service.
• Monek charges processing fees on each successful payment. At the date of these Terms, Yoley merchants are offered 0.99% on personal cards, 1.99% on business cards and 2.99% on foreign-issued cards, each plus 5p per transaction, with no application or monthly fee. The fees that apply to you are the ones in your quote and merchant agreement from Monek, which may change in line with that agreement.
• Monek pays card funds into your bank account, currently two working days after the payment. Settlement timing is governed by your agreement with Monek.
• Yoley is not responsible for settlement, payment disputes, chargebacks, fraud screening, or processing errors, which are matters between you and Monek.
• You are responsible for keeping your Monek account in good standing and complying with Monek's acceptable use requirements.
• You must not use payment features for any unlawful, fraudulent, or prohibited transaction.

5.1 Applying for a Monek merchant account

The App and our website may allow you to apply for a Monek merchant account. Where you choose to apply, you authorise Yoley to pass the information you provide to Monek so that Monek can assess and process your application. Yoley acts as an introducer and partner only; the decision to open an account, and the operation of any account opened, rest solely with Monek. We handle the information you submit in accordance with our Privacy Policy. Any merchant account and the resulting agreement are between you and Monek.

6. AI assistant

The App may include an AI-powered assistant that answers questions and provides general business guidance ("the AI assistant"). It is an optional feature.

• To provide the feature, the content of your questions and any information you choose to submit are transmitted to and processed by a third-party AI provider acting on our behalf.
• We do not use your business records to train AI models. See our Privacy Policy for how this data is handled.
• You are responsible for any decision you take based on AI assistant output. To the fullest extent permitted by law, we exclude liability for loss arising from reliance on it.
• Fair-use limits may apply, and we may change, limit or withdraw the feature at any time.

7. Promotions and customer messaging

Yoley may provide tools that let you send promotions, offers, reminders or other messages to your own customers (for example by email, SMS or messaging apps). Where you use these tools:

• You are the sender and the data controller for your customer contacts and the content of the messages you send.
• You are solely responsible for having a lawful basis and any necessary consent to contact your customers, and for complying with the UK GDPR, the Privacy and Electronic Communications Regulations (PECR), and any other applicable marketing or e-communications law.
• You must honour opt-out and unsubscribe requests promptly, and must not send unlawful, misleading or unsolicited messages.
• Yoley provides the tool only. We are not responsible for the content of your messages or for your compliance with marketing law.

8. Your data and content

You retain full ownership of all data and content you create in the App (invoices, customer records, photos, etc.). By using the App you grant us no licence to use that content for any purpose other than providing the service to you.

By default, your core business data is stored in your own iCloud account via Apple CloudKit, and we do not have routine access to your business records.

Some features necessarily involve processing or transmitting specific data away from your device — for example card payments and merchant-account applications (Monek), the AI assistant (our AI provider), and customer messaging. Where this happens, only the data needed for that feature is used, as described in these Terms and our Privacy Policy.

You are responsible for the accuracy and completeness of all data you enter into the App, including but not limited to VAT numbers, company registration details, invoice amounts, and customer information, and for maintaining adequate backups of your data.

9. Acceptable use

You must not use the App to:

• Create false, fraudulent, or misleading invoices or quotes
• Process payments for unlawful goods or services
• Send unlawful, misleading or unsolicited marketing messages
• Violate any applicable UK law, regulation, or HMRC requirement
• Infringe the intellectual property rights of any third party
• Transmit malicious code, viruses, or harmful content
• Misuse the AI assistant, including attempts to extract its underlying prompts or models, or to generate unlawful content
• Attempt to reverse-engineer, decompile, or extract the source code of the App
• Resell, sublicence, or commercially exploit the App or any part of it

We reserve the right to suspend or terminate your access if we reasonably believe you are in breach of this section.

10. Tax and financial responsibility

You are solely responsible for:

• Ensuring your invoices, expenses, and VAT records comply with HMRC requirements
• Filing accurate self-assessment or corporation tax returns
• Complying with Making Tax Digital (MTD) obligations
• Any tax liabilities arising from your business activities

We strongly recommend you work with a qualified accountant for tax and financial advice.

11. Intellectual property

The App, including its design, code, branding, and content, is owned by Yoley Limited and protected by copyright, trade mark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to use the App for its intended purpose in accordance with these Terms.

"Yoley" and the Yoley logo are trade marks of Yoley Limited. You may not use them without our prior written consent. The Monek name and logo are trade marks of their respective owner.

12. Limitation of liability

To the fullest extent permitted by English law:

• Yoley is provided "as is" without warranties of any kind, express or implied.
• We do not warrant that the App will be error-free, uninterrupted, or fit for any particular purpose beyond its described features.
• We are not liable for any indirect, incidental, special, or consequential loss, including loss of profits, loss of data, or loss of business, arising from your use of the App.
• We are not liable for the acts, omissions, services or systems of Monek, our AI provider, or other third parties (see section 13).
• Our total aggregate liability to you in any 12-month period shall not exceed £100.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by English law.

If you are a consumer (using the App outside a business context), your statutory rights under the Consumer Rights Act 2015 are not affected by these Terms.

13. Third-party services

The App integrates with third-party services including Apple (iCloud, Apple Weather and the App Store), Monek Merchant Services Limited (payments and merchant accounts), our AI provider (the AI assistant), Companies House and HMRC (business and VAT lookups), and Fetchify (address lookup). We are not responsible for the availability, accuracy, or conduct of these services. Your use of third-party services is governed by those providers' own terms.

14. Changes to the App and Terms

We may update the App and these Terms from time to time. We will provide reasonable notice of material changes via an in-app notification, and we record each revision in the version history at section 18. Continued use of the App after changes take effect constitutes your acceptance of the revised Terms.

If you do not accept a material change, you may stop using the App.

15. Termination

You may stop using the App at any time by deleting it from your device.

We may terminate or suspend your access with immediate effect if you materially breach these Terms, or with 30 days' written notice for any other reason. On termination your data remains in your iCloud account; we have no data to delete on our side, save for any limited records held to provide features described in section 8, which are dealt with under our Privacy Policy.

16. Governing law and disputes

These Terms are governed by the laws of England and Wales. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales, except where mandatory consumer protection law requires otherwise.

Before bringing a formal dispute, we encourage you to contact us at legal@yoley.com so that we can try to resolve the matter informally.

17. General

• Entire agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and Yoley in relation to the App.
• Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force.
• Waiver: Our failure to enforce any provision does not constitute a waiver of our right to enforce it later.
• Assignment: We may assign our rights and obligations under these Terms to a successor business. You may not assign your rights without our consent.
• No partnership: Nothing in these Terms creates a partnership, joint venture, or agency relationship between you and Yoley.

18. Document history

We track changes to these Terms here. The "Effective date" and "Version" at the top of this page always reflect the current version.

19. Contact

For questions about these Terms:

• Email: legal@yoley.com
• Post: Yoley Limited, Sterling House, F2/F3, Davidson Road, Lichfield, England, WS14 9DZ