Terms of Service

Effective date: 24 June 2026  ·  Version 2.0

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 and Pay by Bank 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 Pro features

The following features are only available to Yoley Pro subscribers:

• Card payments at the reduced 0.99% processing rate (vs 1.49% on the free tier)
• Open Banking — bank account connection, reconciliation and the cash-position feed (a combined view of bank and card balances)
• The AI assistant (see section 6)
• Promotions and customer messaging tools (see section 7)
• Job Finance & Capital advances via Yoley Capital
• WhatsApp Enquiry Inbox
• 5-day Job Weather Forecast
• Smart Purchase Orders
• Subcontractor Work Orders
• Pay by Bank

Some Pro features are released over time. Where a feature is not yet available, it will be made available to active Pro subscribers as part of their subscription when it launches, unless stated otherwise.

3.3 Free tier

The core features of Yoley are available free of charge. We reserve the right to adjust which features are included in the free tier with reasonable notice.

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. Subscriptions

4.1 Yoley Pro

Yoley Pro is an auto-renewable subscription billed monthly at £9.99 per month (inclusive of any applicable taxes).

4.2 Billing and renewal

• Payment is charged to your Apple ID at confirmation of purchase.
• Your subscription automatically renews each month at the same price unless you cancel at least 24 hours before the end of the current billing period.
• Apple manages all billing on our behalf. We do not have access to your payment card details.
• Prices are displayed in GBP and include VAT where applicable.

4.3 Cancellation

You may cancel your subscription at any time via Settings → Apple ID → Subscriptions on your device. Cancellation takes effect at the end of the current billing period; you retain access to Pro features until then.

4.4 Refunds

All subscription purchases are processed by Apple. Refund requests must be made directly to Apple via reportaproblem.apple.com. We have no ability to issue refunds for App Store purchases.

4.5 Price changes

We may change the subscription price. Apple will notify you of any price increase before your next renewal, and you will have the option to accept or cancel.

4.6 Free trials

We may offer free trial periods from time to time. If a free trial is offered, the terms of that trial will be clearly displayed before you subscribe. Unused portions of a free trial are forfeited upon purchase.

5. Payments and card processing (Monek)

All card payment processing, Pay by Link, Pay by Bank 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.
• Processing fees apply to each transaction: 1.49% for free-tier users; 0.99% for Pro subscribers. These fees are set in conjunction with Monek and may change with notice.
• 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 and may form part of Yoley Pro.

• 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 the amount you paid us in subscription fees during that same period, or £100, whichever is greater.

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 and the App Store), Monek Merchant Services Limited (payments and merchant accounts), our AI provider (the AI assistant), and Open-Meteo (weather). 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 cancel your subscription and stop using the App.

15. Termination

You may stop using the App at any time by deleting it from your device. If you have an active Pro subscription, cancellation must be done via the App Store (see section 4.3).

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