Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the Ploya platform, apps and services (the “Service”) operated by Ploya Ltd (Company No. 15469051) (“Ploya”, “we”, “us”, “our”). By registering, accessing or using the Service you agree to be bound by these Terms. If you do not agree, do not use the Service.

You must be at least 18 years old and have legal capacity to form a binding contract.

You must provide accurate information during registration and keep it updated.

Accounts are categorised as Buyers, Providers, Enterprise users and Partners. Provider accounts require identity, licence and background verification.

Ploya is a marketplace that facilitates discovery, booking, milestone escrow payments, insurance, financing (BNPL for buyers; cash advances for providers), materials orders and workforce development (PathWise). We are a technology platform and do not perform services on behalf of Providers. Providers are independent contractors or businesses.

You are responsible for activity on your account and for maintaining confidentiality of credentials. Notify us immediately of unauthorised access.

You must comply with applicable laws, licensing and insurance requirements for any work performed.

We provide verification services (ID, licence, insurance, background checks). Verification is performed by automated and manual processes. A verification badge is informational and not a certification guarantee. Users must present and maintain valid licences and insurances as required by law.

All bookings initiated through the Service are subject to milestone payment terms selected at booking. Escrow is held by our payment processor (Stripe Connect) or other designated processor. Funds are released per agreed milestones or upon job completion.

We charge fees and commissions as set out in the applicable pricing schedule. Fees may change; material changes will be notified.

All payments are subject to our Payment Terms and any agreements with third-party payment providers. We are not responsible for payment processor failures beyond reasonable control.

Financing (BNPL) and provider cash advances are offered by third-party financial partners or underwritten by Ploya’s partners. Availability, credit decisions, interest and fees are subject to the provider’s terms.

Insurance products shown in the app are provided through third-party insurers. Policy terms, coverage limits, exclusions, claims processes and underwriting are governed by the insurer’s policy documents. We do not guarantee coverage; read the insurer’s terms.

You grant Ploya a worldwide, royalty-free licence to host, use, reproduce and display content you upload as needed to provide the Service.

Prohibited conduct includes fraud, misrepresentation, harassment, illegal activities, posting false reviews, circumventing fees, and attempting to transact outside escrow where prohibited. Violation may result in suspension, termination and legal action.

Booking disputes should be raised via the in-app dispute process within the stated timeframe. We provide mediation and dispute resolution services; final decisions may be subject to our policies.

Refunds, cancellations and chargebacks follow the published Refund Policy and our agreements with payment processors. Fees for dispute handling may apply.

The Service is provided “as is” and “as available”. To the fullest extent permitted by law, Ploya disclaims all warranties (express or implied).

We are not responsible for Provider performance, workmanship, or any direct or indirect loss arising from services performed by Providers.

Our aggregate liability to you for any claim arising from or relating to these Terms will not exceed the total fees paid by you to Ploya in the 12 months prior to the claim (or £1,000 if greater), except where law requires otherwise.

You agree to indemnify and hold Ploya harmless from claims, liabilities, losses, damages and expenses arising from your breach of these Terms, your use of the Service, or your negligence or misconduct.

Ploya owns all rights, title and interest in the Service and its content. You may not copy, modify, distribute or create derivative works except as permitted in writing.

Use of personal data is governed by our Privacy Policy. By using the Service you consent to our collection, use and disclosure of personal data as described in the Privacy Policy.

We may suspend or terminate accounts for breach, suspected fraud, court order, or for operational reasons. Users may close accounts per the in-app process.

These Terms are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction, except where mandatory law requires otherwise.

We may modify these Terms. For material changes we will provide advance notice. Continued use after the effective date constitutes acceptance.

Ploya Ltd

167–169 Great Portland Street, 5th Floor, London, W1W 5PF

Email: help@ploya.co

Company No: 15469051