Quadriel is the payments platform operated by Tipinc Limited (England & Wales, No. 13101378). Regulated payment services are provided by our payment services partners — including Global Payments (GPUK LLP, FCA reference 504290) — under your Merchant Services Agreement. Tipinc Limited does not hold customer funds.
Effective from the date of acceptance.
Who we are. Quadriel is the trading name of the Quadriel payments platform, operated by Tipinc Limited, a company registered in England and Wales (company number 13101378) with its registered office at 6th Floor, 25 Farringdon Street, London EC4A 4AB (the "Platform Operator", "we", "us", "our").
Payment services. Card acceptance and Direct Debit collection services accessed through the Quadriel platform are provided by Global Payments, a trading name of GPUK LLP, a limited liability partnership registered in England (company number OC337146), with its registered office at Granite House, Granite Way, Syston, Leicester, LE7 1PL. GPUK LLP is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (reference 504290) for the provision of payment services and under the Consumer Credit Act (reference 714439) for the undertaking of terminal rental agreements (the "Payment Services Provider").
Where these terms refer to "Quadriel", "we", "us" or "our", the relevant entity is the Platform Operator. The provision of regulated payment services to you under your separate Merchant Services Agreement is governed by your contract with the Payment Services Provider.
These General Terms (the "Terms") set out the agreement between you (the "Customer", "you", "your") and the Platform Operator for the provision of the Quadriel platform and related platform services (the "Platform Services").
These Terms apply alongside, and do not replace:
If there is a conflict between these Terms and a written order form or product-specific terms signed by both parties, the order form or product-specific terms prevail in respect of the subject matter covered. If there is a conflict between these Terms and the Merchant Services Agreement in respect of regulated payment services, the Merchant Services Agreement prevails.
The Platform Services comprise the Quadriel dashboard, application programming interfaces (APIs), reporting and reconciliation tools, technical support, and related software and services made available by us under your account.
The Platform Services do not, in themselves, constitute the provision of regulated payment services. The acceptance, processing, settlement and refund of card payments and the collection of Direct Debit payments are performed by the Payment Services Provider under the Merchant Services Agreement.
To use Quadriel you must open an account and complete onboarding. Onboarding includes acceptance of these Terms, acceptance of the Merchant Services Agreement, and the completion of know-your-business (KYB), identity verification, anti-money-laundering, sanctions and credit checks required by us and by the Payment Services Provider.
You must provide accurate, current and complete information during onboarding and keep it up to date. We may refuse to open an account, suspend an account, or terminate an account where required to do so by law, by scheme rules, by the Payment Services Provider, or where we reasonably consider it necessary to manage risk.
You are responsible for the security of your account credentials and for all activity carried out under your account. You must notify us immediately if you suspect that your account has been compromised.
You may use the Platform only for your own legitimate business purposes and only in accordance with these Terms, the Merchant Services Agreement, applicable scheme rules (including Visa, Mastercard and Bacs scheme rules), and applicable laws.
You must not use the Platform to process payments for goods or services that are prohibited by our Acceptable Use Policy, by the Payment Services Provider's policies, by scheme rules, or by applicable law.
You must not attempt to circumvent, disable, reverse-engineer or otherwise interfere with the technical security or operation of the Platform.
Fees for the Platform Services and for the regulated payment services are set out in your published pricing or, where applicable, in your order form or in the Merchant Services Agreement. Fees may comprise a combination of percentage-based and per-transaction charges, and may differ by payment method.
We may amend fees on at least two months' notice. Where fees are part of the Merchant Services Agreement, changes are governed by the terms of that agreement.
Funds collected from your customers through the Platform are settled to you by the Payment Services Provider in accordance with the Merchant Services Agreement. The Platform Operator does not hold customer funds and is not a payment services provider.
All intellectual property rights in and to the Platform, including its software, design, documentation and trademarks, are owned by us or our licensors. We grant you a non-exclusive, non-transferable, revocable licence to use the Platform during the term of your account, solely for your internal business purposes and solely in accordance with these Terms.
You retain ownership of your own data submitted to the Platform. You grant us a non-exclusive licence to process that data as reasonably necessary to provide the Platform Services and to perform our obligations under these Terms.
Our processing of personal data is described in our Privacy Notice. Where we process personal data as a processor on your behalf in the course of providing the Platform Services, we do so in accordance with a data processing agreement that forms part of these Terms.
Each party will keep the other party's confidential information confidential and use it only for the purposes of performing this agreement. This obligation does not apply to information that is or becomes public through no fault of the receiving party, was already known to the receiving party, is independently developed, or is required to be disclosed by law or by a regulator.
These Terms continue in force until terminated. Either party may terminate for material breach that is not remedied within 30 days of written notice. We may terminate immediately where required by law, by scheme rules, by the Payment Services Provider, where you become insolvent, or where we reasonably consider it necessary to prevent fraud, money laundering, or material harm to other Quadriel customers or to the integrity of the Platform.
On termination your right to access the Platform ends. We will return or, where applicable, securely delete your data in accordance with our retention policy and applicable law.
Nothing in these Terms limits or excludes liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited by law.
Subject to the paragraph above, our total aggregate liability to you under or in connection with these Terms, whether in contract, tort (including negligence), breach of statutory duty or otherwise, will not exceed the total fees paid by you to us under these Terms in the twelve (12) months immediately preceding the event giving rise to the claim.
Subject to the first paragraph of this clause, neither party is liable for indirect, special, consequential or punitive losses, or for loss of profit, revenue, goodwill, business opportunity, anticipated savings, or loss or corruption of data.
This clause does not limit or affect the liability of the Payment Services Provider to you under the Merchant Services Agreement, which is governed by that agreement.
We aim to keep the Platform available at all times but do not guarantee uninterrupted availability. We may suspend access for scheduled maintenance, security reasons, or where required by law. We will provide reasonable notice of scheduled maintenance where practical.
Support is available by email at support@quadriel.com during UK business hours. Service-level commitments, where applicable, are set out in your order form.
We may amend these Terms from time to time. We will give you at least two months' notice of material changes by email or by notification in the Platform. Your continued use of the Platform after the notice period constitutes acceptance of the amended Terms.
These Terms are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction over any dispute arising under or in connection with these Terms.
If you have a complaint about the Platform, please follow the process in our Complaints Policy. Complaints relating to regulated payment services are handled by the Payment Services Provider in accordance with the Merchant Services Agreement.
For legal matters, contact us at legal@quadriel.com. For general support, contact us at support@quadriel.com.
Questions about this document? Contact us at legal@quadriel.com.
Quadriel is the trading name of Tipinc Limited (registered in England and Wales, company number 13101378, registered office at 6th Floor, 25 Farringdon Street, London EC4A 4AB; VAT registration number GB 412 6754 07). Payment services are provided by Global Payments, a trading name of GPUK LLP, a limited liability partnership registered in England (company number OC337146), registered office Granite House, Granite Way, Syston, Leicester, LE7 1PL, authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (reference 504290) and under the Consumer Credit Act (reference 714439).
Effective from the date of acceptance.
Who we are. Quadriel is the trading name of the Quadriel payments platform, operated by Tipinc Limited, a company registered in England and Wales (company number 13101378) with its registered office at 6th Floor, 25 Farringdon Street, London EC4A 4AB (the "Platform Operator", "we", "us", "our").
Payment services. Card acceptance and Direct Debit collection services accessed through the Quadriel platform are provided by Global Payments, a trading name of GPUK LLP, a limited liability partnership registered in England (company number OC337146), with its registered office at Granite House, Granite Way, Syston, Leicester, LE7 1PL. GPUK LLP is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (reference 504290) for the provision of payment services and under the Consumer Credit Act (reference 714439) for the undertaking of terminal rental agreements (the "Payment Services Provider").
Where these terms refer to "Quadriel", "we", "us" or "our", the relevant entity is the Platform Operator. The provision of regulated payment services to you under your separate Merchant Services Agreement is governed by your contract with the Payment Services Provider.
This Privacy Notice describes how the Platform Operator collects, uses and protects personal data in connection with your use of the Quadriel platform. It is issued under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
This notice covers personal data we process in our capacity as the operator of the Quadriel platform. Personal data processed by the Payment Services Provider in providing regulated payment services is described in the Payment Services Provider's own privacy notice.
We collect personal data when you sign up, use the Platform, contact us, or otherwise interact with Quadriel. This includes:
We use personal data to:
We rely on the following legal bases under UK GDPR Article 6:
We share personal data with:
We do not sell personal data.
Where personal data is transferred outside the UK, we ensure an appropriate safeguard is in place, such as the UK International Data Transfer Agreement or the UK Addendum to the EU Standard Contractual Clauses, or transfer to a country covered by a UK adequacy decision.
We retain personal data for as long as needed to provide the Platform, to meet our legal and regulatory obligations (typically a minimum of five years after the end of the customer relationship for transaction records, in accordance with anti-money-laundering law), and to defend legal claims.
Subject to applicable law you have the right to access, rectify, erase, restrict or object to the processing of your personal data; the right to data portability; and the right to withdraw consent at any time where processing is based on consent. To exercise these rights, contact us at privacy@quadriel.com.
You also have the right to complain to the UK Information Commissioner's Office (ICO) at ico.org.uk.
We apply appropriate technical and organisational measures to protect personal data, including encryption in transit and at rest, access controls, logging, and regular security testing. Card data is never stored on Platform Operator systems; it is tokenised by the Payment Services Provider at the point of capture in line with the Payment Card Industry Data Security Standard (PCI DSS).
We may update this Privacy Notice from time to time. The current version is always available at quadriel.com/privacy.
For privacy questions, contact privacy@quadriel.com. For other legal matters, contact legal@quadriel.com.
Questions about this document? Contact us at privacy@quadriel.com.
Quadriel is the trading name of Tipinc Limited (registered in England and Wales, company number 13101378, registered office at 6th Floor, 25 Farringdon Street, London EC4A 4AB; VAT registration number GB 412 6754 07). Payment services are provided by Global Payments, a trading name of GPUK LLP, a limited liability partnership registered in England (company number OC337146), registered office Granite House, Granite Way, Syston, Leicester, LE7 1PL, authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (reference 504290) and under the Consumer Credit Act (reference 714439).
Effective from the date of acceptance.
This Cookies Policy explains how Quadriel (operated by Tipinc Limited) uses cookies and similar technologies on the Quadriel website and Platform.
Cookies are small text files placed on your device when you visit a website. They are widely used to make websites work, to make them work more efficiently, and to provide information to site operators. Similar technologies include local storage, pixels and web beacons.
You can accept or reject non-essential cookies through the cookie banner shown when you first visit the site, and you can change your preferences at any time. You can also manage cookies directly in your browser settings; note that disabling strictly necessary cookies will affect the functionality of the Platform.
Some cookies are set by third-party services we use to deliver the Platform and the website (for example, our analytics and infrastructure providers). The third parties' use of cookies is governed by their own policies.
We may update this policy from time to time. The current version is always available at quadriel.com/cookies.
Questions about cookies: privacy@quadriel.com.
Questions about this document? Contact us at privacy@quadriel.com.
Quadriel is the trading name of Tipinc Limited (registered in England and Wales, company number 13101378, registered office at 6th Floor, 25 Farringdon Street, London EC4A 4AB; VAT registration number GB 412 6754 07). Payment services are provided by Global Payments, a trading name of GPUK LLP, a limited liability partnership registered in England (company number OC337146), registered office Granite House, Granite Way, Syston, Leicester, LE7 1PL, authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (reference 504290) and under the Consumer Credit Act (reference 714439).
Effective from the date of acceptance.
This Acceptable Use Policy (the "AUP") sets out the activities and content for which Quadriel must not be used. It is part of the Terms of Service and applies to all Quadriel customers.
The Payment Services Provider (Global Payments, a trading name of GPUK LLP) applies its own merchant policies and scheme-rule requirements in addition to this AUP. Where its rules are stricter, those rules prevail.
You must not use Quadriel, directly or indirectly, to process payments for, or otherwise facilitate, any of the following:
Some activities are not prohibited but require prior written approval from us and from the Payment Services Provider, and may be subject to additional terms or higher reserves. These include but are not limited to:
Where we reasonably believe you are in breach of this AUP, we may suspend your account, restrict your access to the Platform, withhold settlement, or terminate the agreement in accordance with the Terms of Service. We may also be required to report the activity to law enforcement, the Financial Conduct Authority, or the payment schemes.
To report a suspected breach of this AUP, contact us at legal@quadriel.com or support@quadriel.com.
Questions about this document? Contact us at legal@quadriel.com.
Quadriel is the trading name of Tipinc Limited (registered in England and Wales, company number 13101378, registered office at 6th Floor, 25 Farringdon Street, London EC4A 4AB; VAT registration number GB 412 6754 07). Payment services are provided by Global Payments, a trading name of GPUK LLP, a limited liability partnership registered in England (company number OC337146), registered office Granite House, Granite Way, Syston, Leicester, LE7 1PL, authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (reference 504290) and under the Consumer Credit Act (reference 714439).
Effective from the date of acceptance.
We take complaints seriously. If something has gone wrong, we want to know about it so we can put it right and learn from it.
This policy covers complaints about the Quadriel platform operated by Tipinc Limited (the "Platform Operator").
Complaints about regulated payment services (card acceptance, Direct Debit collection) are handled by the Payment Services Provider, Global Payments (a trading name of GPUK LLP), in accordance with its own complaints procedure and the Financial Conduct Authority's rules. We will, where appropriate, forward your complaint to the Payment Services Provider and confirm to you that we have done so.
You can submit a complaint to us by any of the following methods:
Please include your business name, your account reference (if known), a description of what went wrong, what you would like us to do to put it right, and your preferred contact method.
If you are not satisfied with our final response, or if eight weeks have passed without one, you may have the right to refer the matter to:
Complaints about regulated payment services should be raised directly with the Payment Services Provider in the first instance. Their complaints procedure is published on their website.
Complaints: complaints@quadriel.com. General support: support@quadriel.com.
Questions about this document? Contact us at complaints@quadriel.com.
Quadriel is the trading name of Tipinc Limited (registered in England and Wales, company number 13101378, registered office at 6th Floor, 25 Farringdon Street, London EC4A 4AB; VAT registration number GB 412 6754 07). Payment services are provided by Global Payments, a trading name of GPUK LLP, a limited liability partnership registered in England (company number OC337146), registered office Granite House, Granite Way, Syston, Leicester, LE7 1PL, authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (reference 504290) and under the Consumer Credit Act (reference 714439).
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