Terms & Conditions

Last updated: 28 August 2026
 

1. Introduction and Acceptance of Terms

These Terms and Conditions (“Terms”) govern your access to and use of the website, applications, products and services provided by M World Business Solutions Ltd (“M World Business Solutions”, “we”, “us” or “our”).
 
By accessing our website, creating an account, submitting an application, purchasing a product or service, or otherwise using our services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use our website or services.
 
These Terms apply in conjunction with our Privacy Policy, Cookie Policy (where applicable), and any separate service agreements or engagement letters that may apply to specific products or services.
 
You confirm that you are at least 18 years of age and have the legal capacity to enter into a binding agreement. If you are acting on behalf of a business or organisation, you confirm that you have the authority to bind that organisation to these Terms.
 

2. Definitions

For the purposes of these Terms and Conditions, the following definitions apply:
 
“Account” means any online account created by a Customer to access our website, applications or services.
“Application” means any application, enquiry or request submitted by a Customer for a product or service through M World Business Solutions Ltd.
“Business Day” means any day other than a Saturday, Sunday or public holiday in England and Wales.
“Customer”, “you” or “your” means any individual, sole trader, partnership, company or other organisation using our website or services.
“Merchant” means a business that uses M World Business Solutions Ltd’s services, including payment solutions, business services or referral services.
“Partner” or “Third-Party Provider” means any lender, finance provider, payment provider, insurer, technology provider, supplier or other third party with whom we work to provide or facilitate services.
“Personal Data” has the meaning given under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
“Services” means any products, consultancy, payment solutions, business support, finance introductions, insurance introductions, software, applications, websites, mobile applications or other services provided or arranged by M World Business Solutions Ltd.
“Website” means www.mwbsolutions.co.uk, any associated websites operated by M World Business Solutions Ltd, and any mobile applications or online platforms we make available.
“Working Day” has the same meaning as a Business Day unless otherwise stated.
“Writing” or “Written” includes communication by email unless otherwise specified.
 
References to legislation include any amendments, replacements or re-enactments of that legislation from time to time.
 

3. Scope of Services

M World Business Solutions Ltd provides a range of business support services to merchants and businesses, including but not limited to:
 
  • Payment solutions and merchant service introductions.
  • Business consultancy and advisory services.
  • Commercial finance and funding introductions.
  • Insurance and protection introductions.
  • Business utility and cost-saving solutions.
  • Software and technology solutions.
  • Website, digital marketing and related business support services.
  • Any other products or services that we may offer from time to time.
Where we act as an introducer or referral partner, we introduce Customers to carefully selected third-party providers. Unless expressly stated otherwise in writing, M World Business Solutions Ltd is not the provider of the underlying financial product, payment processing service, insurance policy, software platform or other third-party service.
 
The decision to approve an application, offer finance, provide payment processing facilities, issue an insurance policy or enter into a contract rests solely with the relevant Third-Party Provider. M World Business Solutions Ltd cannot guarantee acceptance, approval, pricing, availability or suitability of any third-party product or service.
 
Any agreement entered into between a Customer and a Third-Party Provider is a separate contract governed by that provider’s own terms and conditions. Customers are responsible for reviewing and accepting those terms before proceeding.
 
While we take reasonable care in selecting our partners, M World Business Solutions Ltd is not responsible for the performance, acts, omissions, decisions or contractual obligations of any Third-Party Provider unless required by applicable law.
 
We reserve the right to add, withdraw, suspend or modify any of our services at any time. Where reasonably practicable, we will provide advance notice of any material changes that may affect existing Customers.
 

4. Eligibility and Account Registration

4.1 Eligibility

To use our Services, you must:
 
  • Be at least 18 years of age.
  • Have the legal capacity to enter into a binding contract.
  • If acting on behalf of a business or organisation, have the authority to bind that business or organisation to these Terms.
  • Comply with all applicable laws and regulations in your jurisdiction.
We reserve the right to refuse or discontinue our Services where we reasonably believe these eligibility requirements are not met.
 

4.2 Account Registration

Some Services may require you to create an Account or submit an Application.
When registering an Account or applying for any Service, you agree to:
  • Provide complete, accurate and up-to-date information.
  • Promptly update your information if it changes.
  • Keep your login credentials and passwords secure and confidential.
  • Notify us immediately if you become aware of any unauthorised access to or use of your Account.
You are responsible for all activity carried out using your Account unless such activity results from our negligence or a security failure within our systems.
 

4.3 Identity and Business Verification

Where required by law, regulation or our Third-Party Providers, we may ask you to provide documentation to verify your identity, business ownership, address or financial information.
 
This may include, but is not limited to:
 
  • Proof of identity.
  • Proof of address.
  • Company registration details.
  • Financial statements.
  • Bank account information.
  • Identification documents for directors, partners or beneficial owners.
Failure to provide requested information may delay, suspend or prevent the provision of our Services or the processing of an Application.
 

4.4 Accurate Information

You warrant that all information and documents you provide to M World Business Solutions Ltd are true, accurate, complete and not misleading.
 
Providing false, fraudulent or misleading information may result in:
 
  • Rejection of an Application.
  • Suspension or termination of your Account.
  • Withdrawal of our Services.
  • Reporting to the relevant authorities where required by law.

4.5 Security

We use reasonable technical and organisational measures to protect your Account and personal information. However, you remain responsible for maintaining the confidentiality of your login credentials and for ensuring that access to your Account is restricted to authorised users only.
 

5. Customer Responsibilities

5.1 General Responsibilities

When using our Services, you agree to:
 
  • Use our Services lawfully, honestly and in accordance with these Terms.
  • Provide complete, accurate and up-to-date information at all times.
  • Promptly notify us of any changes to information that may affect your Account or any Application.
  • Cooperate with reasonable requests for information or documentation required to provide our Services.
  • Comply with all applicable laws, regulations and industry requirements relevant to your business.

5.2 Information and Documentation

You are responsible for ensuring that all information, documents and supporting evidence provided to M World Business Solutions Ltd or any Third-Party Provider are accurate, complete and not misleading.
 
Where additional information is requested, you agree to provide it within a reasonable timeframe. Delays or failure to provide requested information may result in delays, suspension or cancellation of your Application or Services.
 

5.3 Lawful Use

You must not use our Services:
 
  • For any unlawful, fraudulent or criminal purpose.
  • To submit false, misleading or deceptive information.
  • To infringe the intellectual property or legal rights of any third party.
  • To transmit malicious software, viruses or other harmful code.
  • In any manner that may damage, disrupt or interfere with our systems, website or the services of our partners.

5.4 Third-Party Providers

Where our Services involve introductions to Third-Party Providers, you acknowledge that:
 
  • Any decision to approve or decline an Application is made solely by the relevant Third-Party Provider.
  • You may be required to enter into separate agreements with Third-Party Providers.
  • You are responsible for complying with the terms and conditions of any Third-Party Provider with whom you contract.

5.5 Account Security

Where you are provided with login credentials, passwords or other security information, you are responsible for maintaining their confidentiality.
 
You must notify us immediately if you believe your Account has been compromised or accessed without your authorisation.
 

5.6 Prohibited Activities

You must not:
 
  • Attempt to gain unauthorised access to our systems or those of our partners.
  • Circumvent or interfere with security measures.
  • Misrepresent your identity or the identity of your business.
  • Use our Services in a manner that could harm our reputation or that of our partners.
  • Copy, reproduce or exploit any part of our Services except where permitted by law or with our prior written consent.

5.7 Consequences of Breach

If you breach these Terms, we may, where appropriate:
 
  • Request that you remedy the breach.
  • Suspend or restrict access to our Services.
  • Reject or withdraw an Application.
  • Terminate your Account or our business relationship.
  • Take any other action reasonably necessary to protect M World Business Solutions Ltd, our Customers, our partners or to comply with legal or regulatory obligations.

6. Fees and Payment

6.1 Fees

The fees payable for our Services will be communicated to you before you enter into an agreement with us. Fees may include:
 
  • One-off setup or administration fees.
  • Consultancy or professional service fees.
  • Monthly or annual subscription charges.
  • Referral or introducer fees where applicable.
  • Any other charges agreed in writing.
Unless otherwise stated, all fees are exclusive of VAT or other applicable taxes, which will be added where required by law.
 

6.2 Payment Terms

Payment may be collected by debit or credit card, Direct Debit, bank transfer or any other payment method approved by M World Business Solutions Ltd.
 
Unless otherwise agreed in writing:
 
  • One-off fees are payable before the relevant Service is provided.
  • Recurring fees are payable in advance for each billing period.
  • Invoices must be paid by the due date stated on the invoice.
Failure to make payment when due may result in suspension or termination of the relevant Service.
 

6.3 Automatic Renewals

Where a Service is provided on a recurring subscription basis, your subscription will automatically renew at the end of each billing period unless either party gives notice of cancellation in accordance with these Terms.
 
By selecting a recurring subscription, you authorise M World Business Solutions Ltd to collect the applicable subscription fees using your chosen payment method until the subscription is cancelled.
 

6.4 Changes to Fees

We may review and amend our fees from time to time.
 
Where changes affect an existing recurring Service, we will provide at least thirty (30) days’ prior written notice before the revised fees take effect.
 
Continued use of the relevant Service after the effective date of the revised fees will constitute acceptance of the new charges.
 

6.5 Late or Failed Payments

If payment is not received by the due date, we may:
 
  • Suspend or restrict access to the relevant Service.
  • Charge reasonable administration costs associated with recovering overdue amounts.
  • Charge statutory interest and compensation where permitted under the Late Payment of Commercial Debts (Interest) Act 1998 for business customers.
  • Refer outstanding debts to a debt recovery agency or commence legal proceedings where appropriate.
You remain responsible for all reasonable costs incurred in recovering overdue amounts where permitted by law.
 

6.6 Refunds

Unless otherwise agreed in writing or required by applicable law:
 
  • Fees paid for completed consultancy or professional services are non-refundable.
  • Setup, administration and introducer fees are non-refundable once the relevant work has commenced.
  • Subscription fees already paid are non-refundable except where required by law or where we are unable to provide the contracted Service.
Nothing in these Terms affects your statutory rights under applicable consumer protection legislation.
 

6.7 Third-Party Charges

Where you enter into an agreement with a Third-Party Provider following an introduction by M World Business Solutions Ltd, any fees, commissions or charges payable to that Third-Party Provider are governed by that provider’s own terms and conditions.
 
M World Business Solutions Ltd is not responsible for charges imposed by Third-Party Providers unless expressly agreed in writing.
 

6.8 Taxes

You are responsible for paying any taxes, duties or governmental charges applicable to your use of our Services, other than taxes based on our income.
 

6.9 Payment Disputes

If you believe an invoice or payment has been raised incorrectly, you must notify us in writing within fourteen (14) days of the invoice date, providing full details of the dispute.
 
Undisputed amounts remain payable in accordance with these Terms while the disputed element is investigated.
 

7. Renewals and Cancellation

7.1 Service Renewals

Where a Service is provided on a recurring monthly or annual basis, it will automatically renew at the end of each subscription period unless cancelled in accordance with these Terms.
 
By purchasing a recurring Service, you authorise M World Business Solutions Ltd to continue collecting the applicable subscription fees using your chosen payment method until the Service is cancelled.
 

7.2 Cancelling a Subscription

You may cancel a recurring subscription at any time by providing written notice to M World Business Solutions Ltd.
 
Unless otherwise agreed in writing:
 
  • Monthly subscriptions will end at the conclusion of the current billing period.
  • Annual subscriptions will remain active until the end of the prepaid annual term.
  • No further recurring payments will be taken after the cancellation becomes effective.
Cancellation of a subscription does not entitle you to a refund for any period already paid unless required by applicable law.
 

7.3 Cancellation of Consultancy or Professional Services

Where you have instructed M World Business Solutions Ltd to commence consultancy, advisory or professional services, you may cancel before work has commenced.
 
Once work has begun, you remain responsible for payment for all work completed, time spent and costs reasonably incurred up to the date of cancellation, unless otherwise agreed in writing.
 

7.4 Third-Party Services

Where we have introduced you to a Third-Party Provider, cancellation of your agreement with M World Business Solutions Ltd does not automatically cancel your agreement with that Third-Party Provider.
 
You remain responsible for complying with the cancellation procedures and contractual obligations contained within the Third-Party Provider’s own terms and conditions.
 

7.5 Our Right to Suspend or Cancel Services

We may suspend or terminate your access to our Services immediately where:
 
  • You materially breach these Terms.
  • You provide false, inaccurate or misleading information.
  • Required payments remain outstanding.
  • We reasonably suspect fraud, money laundering or other unlawful activity.
  • We are required to do so by law, regulation or a competent authority.
  • Continued provision of the Services would expose us or our partners to legal, financial or reputational risk.
Where appropriate, we will provide notice of suspension or termination and, where the breach is capable of remedy, allow you a reasonable opportunity to correct it.
 

7.6 Effect of Cancellation

Upon cancellation or termination:
 
  • Your right to use the affected Services will cease.
  • Any outstanding fees or charges accrued before the cancellation date will remain payable.
  • Any agreements you have entered into directly with Third-Party Providers will continue in accordance with their own terms unless separately terminated.
  • Any provisions of these Terms which are intended to survive termination, including those relating to payment obligations, confidentiality, intellectual property, limitation of liability and dispute resolution, shall remain in full force and effect.

7.7 Statutory Rights

Nothing in these Terms limits or excludes any cancellation rights or other protections that you may have under applicable consumer protection legislation.
 

8. Introducer and Referral Services

8.1 Our Role

M World Business Solutions Ltd acts as an independent business consultancy and, where applicable, an introducer to selected Third-Party Providers offering payment solutions, commercial finance, insurance products, software, utility services and other business-related products and services.
 
Unless expressly stated otherwise in writing, M World Business Solutions Ltd is not the provider of the underlying product or service and does not make lending decisions, underwrite insurance policies, process payment transactions, or provide regulated financial products.
 

8.2 Independent Decisions

All applications submitted to a Third-Party Provider are assessed solely by that provider in accordance with its own eligibility criteria, underwriting policies and regulatory obligations.
 
M World Business Solutions Ltd has no control over, and cannot influence:
 
  • Whether an application is approved or declined.
  • The terms, pricing or conditions offered.
  • Credit limits or funding amounts.
  • Processing times.
  • Any subsequent changes to a Third-Party Provider’s products or services.
We do not guarantee that any application will be successful or that any specific product or service will be offered.
 

8.3 Separate Agreements

Where you choose to proceed with a Third-Party Provider following our introduction, your contract will be directly with that provider.
 
That agreement will be governed by the provider’s own terms and conditions, privacy policy and applicable regulatory requirements.
 
You are responsible for reviewing those documents before entering into any agreement.
 

8.4 Information Sharing

To facilitate an introduction or application, we may share relevant information and documentation that you provide with the relevant Third-Party Provider in accordance with our Privacy Policy and applicable data protection legislation.
 
We will only share information necessary to process your enquiry, application or ongoing service.
 

8.5 Commission and Referral Fees

M World Business Solutions Ltd may receive commission, referral fees or other remuneration from certain Third-Party Providers where a Customer purchases or enters into an agreement for a product or service following an introduction made by us.
 
Unless expressly stated otherwise, any commission or referral payment does not increase the price you pay for the relevant product or service.
 
Where required by law or regulation, details of any commission or remuneration will be disclosed to you.
 

8.6 No Professional Advice

Unless expressly agreed in writing, any information provided by M World Business Solutions Ltd is for general business guidance only and should not be regarded as legal, tax, accounting, investment or regulated financial advice.
 
Customers should obtain independent professional advice where appropriate before making significant business or financial decisions.
 

8.7 Liability for Third-Party Providers

While we take reasonable care when selecting our business partners, M World Business Solutions Ltd is not responsible for the acts, omissions, decisions, products, services or contractual obligations of any Third-Party Provider.
 
Any complaint relating to the performance of a Third-Party Provider should, in the first instance, be directed to that provider, although we will provide reasonable assistance where appropriate.
 

9. No Guarantee of Approval or Funding

9.1 No Guarantee

M World Business Solutions Ltd does not guarantee that any Customer will:
 
  • Be approved for a payment processing facility.
  • Obtain commercial finance or funding.
  • Receive an insurance quotation or policy.
  • Be accepted by any Third-Party Provider.
  • Receive any specific product, service, pricing or commercial terms.
All approvals, offers and decisions are made solely by the relevant Third-Party Provider in accordance with its own eligibility criteria, underwriting policies, risk assessments and regulatory obligations.
 

9.2 Assessment Criteria

Third-Party Providers may consider a range of factors when assessing an application, including but not limited to:
 
  • Credit history and creditworthiness.
  • Business trading history.
  • Financial performance.
  • Industry sector.
  • Identity verification and anti-money laundering checks.
  • Fraud prevention checks.
  • Regulatory or compliance requirements.
  • Any other criteria determined by the Third-Party Provider.
M World Business Solutions Ltd has no control over these assessment criteria and cannot influence the outcome of an application.
 

9.3 Illustrations and Estimates

Any quotations, illustrations, indicative rates, estimated savings or projected funding amounts provided by M World Business Solutions Ltd are for guidance only unless expressly confirmed in writing by the relevant Third-Party Provider.
 
Such information does not constitute a binding offer and may change following the provider’s assessment.
 

9.4 Processing Times

Any estimated processing or approval times are indicative only.
 
M World Business Solutions Ltd is not responsible for delays caused by Third-Party Providers, regulatory requirements, additional verification procedures or circumstances beyond our reasonable control.
 

9.5 Customer Responsibility

Customers are responsible for ensuring that all information supplied during an application is complete, accurate and truthful.
 
Providing inaccurate, incomplete or misleading information may result in an application being delayed, declined or withdrawn by the relevant Third-Party Provider.
 

9.6 No Liability for Third-Party Decisions

M World Business Solutions Ltd shall not be liable for any loss, expense, delay or inconvenience arising from:
 
  • The rejection or withdrawal of an application.
  • Changes to a Third-Party Provider’s eligibility criteria.
  • The withdrawal or amendment of any product or service.
  • The terms or conditions offered by a Third-Party Provider.
  • Any decision made independently by a Third-Party Provider.
Nothing in this section excludes or limits any liability that cannot lawfully be excluded under applicable law.
 

10. Intellectual Property

10.1 Ownership

Unless otherwise stated, all intellectual property rights in our Services, including our website, mobile applications, software, branding, logos, trademarks, business processes, designs, graphics, documents, reports, templates, marketing materials, content and other materials are owned by or licensed to M World Business Solutions Ltd.
 
These rights are protected by copyright, trademark and other intellectual property laws.
 

10.2 Limited Licence

We grant you a limited, non-exclusive, non-transferable and revocable licence to access and use our Services solely for your own lawful business purposes and in accordance with these Terms.
 
This licence does not transfer ownership of any intellectual property rights.
 

10.3 Restrictions

Except where expressly permitted by law or with our prior written consent, you must not:
 
  • Copy, reproduce or distribute our materials.
  • Modify, adapt or create derivative works from our content or software.
  • Reverse engineer, decompile or disassemble any software or applications provided by us.
  • Remove or alter any copyright, trademark or proprietary notices.
  • Use our trademarks, logos or branding in a manner that suggests endorsement or partnership without our prior written consent.

10.4 Customer Materials

You retain ownership of any documents, information, trademarks, logos or other materials that you provide to us.
 
By providing such materials, you grant M World Business Solutions Ltd a non-exclusive, royalty-free licence to use, reproduce, store and process those materials only to the extent necessary to:
 
  • Deliver the requested Services.
  • Process Applications.
  • Communicate with Third-Party Providers on your behalf where authorised.
  • Comply with legal or regulatory obligations.
This licence ends when it is no longer required for these purposes, subject to any legal or regulatory record-keeping obligations.
 

10.5 Third-Party Intellectual Property

Any trademarks, logos, trade names or other intellectual property belonging to Third-Party Providers remain the property of their respective owners.
 
Nothing in these Terms grants you any rights to use the intellectual property of any Third-Party Provider except as permitted by that provider.
 

10.6 Feedback

Where you voluntarily provide suggestions, comments or feedback regarding our Services, you agree that we may use and incorporate such feedback without restriction or obligation to compensate you.
 

10.7 Infringement

If you believe that any content or material available through our Services infringes your intellectual property rights, please contact us using the details provided in these Terms. We will investigate any genuine claim and, where appropriate, remove or disable access to the relevant material.
 

10.8 Reservation of Rights

All rights not expressly granted under these Terms are reserved by M World Business Solutions Ltd
 

11. Acceptable Use

11.1 Permitted Use

You may use our website, applications and Services only for lawful business purposes and in accordance with these Terms.
 
You agree to use our Services responsibly and in a manner that does not interfere with the rights of other users, our business operations or those of our Third-Party Providers.
 

11.2 Prohibited Activities

You must not use our Services to:
 
  • Engage in any unlawful, fraudulent or criminal activity.
  • Submit false, misleading or inaccurate information.
  • Attempt to obtain Services or products by deception or misrepresentation.
  • Infringe the intellectual property, privacy or other legal rights of any person or organisation.
  • Upload, transmit or distribute malicious software, viruses, ransomware or any other harmful code.
  • Attempt to gain unauthorised access to our systems, networks, databases or those of our Third-Party Providers.
  • Interfere with, disrupt or impair the operation, security or availability of our Services.
  • Use automated tools, bots, scripts or other technologies to scrape, copy or extract data from our website without our prior written consent.
  • Use our Services in a manner that could damage the reputation of M World Business Solutions Ltd or any of our business partners.
  • Use our Services for unsolicited marketing, spam or other abusive communications.

11.3 Customer Content

Where you upload or submit documents, information or other content to us, you confirm that:
 
  • You own the content or have the necessary authority to provide it.
  • The content is accurate, lawful and does not infringe the rights of any third party.
  • The content does not contain malicious software or harmful code.
  • The content is not defamatory, offensive, discriminatory or otherwise unlawful.

11.4 Monitoring and Enforcement

To protect our Customers, partners and systems, we may monitor the use of our Services where reasonably necessary to:
 
  • Maintain the security and integrity of our systems.
  • Investigate suspected breaches of these Terms.
  • Prevent fraud or unlawful activity.
  • Comply with legal or regulatory obligations.
Any monitoring will be carried out in accordance with applicable data protection legislation and our Privacy Policy.
 

11.5 Suspension or Restriction of Access

We may suspend, restrict or terminate access to all or part of our Services where we reasonably believe that:
 
  • These Terms have been breached.
  • Your use presents a security, legal or operational risk.
  • We are required to do so by law, regulation or a competent authority.
  • It is necessary to protect M World Business Solutions Ltd, our Customers or our Third-Party Providers.
Where reasonably practicable, we will notify you of any suspension and the reasons for it.
 

11.6 Reporting Misuse

If you become aware of any misuse of our website or Services, including suspected fraud, unauthorised access or security vulnerabilities, you should notify M World Business Solutions Ltd as soon as reasonably practicable using the contact details provided in these Terms.
 

11.7 Consequences of Misuse

Where a breach of this Acceptable Use section results in loss, damage, regulatory action or claims against M World Business Solutions Ltd, we reserve the right to recover any reasonable losses or costs incurred, to the extent permitted by applicable law.
 

12. Data Protection and Privacy

12.1 Commitment to Data Protection

M World Business Solutions Ltd is committed to protecting the privacy, confidentiality and security of personal data. We process personal data in accordance with applicable data protection legislation, including the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018 and any other applicable privacy laws.
 

12.2 Privacy Policy

Our collection, use, storage, disclosure and protection of personal data is governed by our Privacy Policy, which forms part of these Terms. By using our Services, you acknowledge that you have read and understood our Privacy Policy.
 
Where there is any inconsistency between these Terms and our Privacy Policy regarding the processing of personal data, the Privacy Policy shall take precedence in relation to data protection matters.
 

12.3 Information We Process

In providing our Services, we may collect and process personal information including, but not limited to:
 
  • Contact information.
  • Business and company information.
  • Identity verification information.
  • Payment and billing information.
  • Financial information where required.
  • Transaction and application information.
  • Technical and device information.
  • Communications between you and M World Business Solutions Ltd.
  • Information required by our Third-Party Providers to process applications or provide Services.
The categories of personal data collected are described in greater detail within our Privacy Policy.
 

12.4 Purpose of Processing

We process personal data only where we have a lawful basis to do so and for purposes including, but not limited to:
 
  • Providing our Services.
  • Processing enquiries and applications.
  • Managing customer accounts.
  • Facilitating introductions to Third-Party Providers.
  • Identity verification and fraud prevention.
  • Compliance with legal and regulatory obligations.
  • Customer support.
  • Service improvement and system security.
  • Business administration.
  • Marketing communications where permitted by law or where consent has been obtained.

12.5 Sharing Information

Where necessary to provide our Services, we may share information with carefully selected Third-Party Providers, professional advisers, payment providers, technology providers, regulators or government authorities where required by law.
We do not sell personal data to third parties.
 
Any sharing of personal data is carried out in accordance with applicable data protection legislation and our Privacy Policy.
 

12.6 Customer Responsibilities

Where you provide us with personal data relating to another individual, you confirm that you have the lawful authority to provide that information and, where required by law, have provided any necessary privacy information or obtained any required consent.
 
If you use our Services to process personal data belonging to your own customers, employees or other individuals, you remain responsible for complying with your own legal obligations under applicable data protection legislation.
 

12.7 Data Security

We implement appropriate technical and organisational measures designed to protect personal data against accidental or unlawful destruction, loss, alteration, unauthorised disclosure or unauthorised access.
 
While we take reasonable steps to safeguard information, no method of electronic transmission or storage can be guaranteed to be completely secure. Accordingly, we cannot guarantee absolute security.
 

12.8 Data Controller and Data Processor Roles

Depending on the nature of the Service provided, M World Business Solutions Ltd may act either as a Data Controller or as a Data Processor.
 
Where we determine the purposes and means of processing personal data, we act as the Data Controller.
 
Where we process personal data solely on behalf of a Merchant or Customer in accordance with their documented instructions, we act as a Data Processor.
 
The applicable roles and responsibilities are described in our Privacy Policy and any separate Data Processing Agreement where required.
 

12.9 International Transfers

Where personal data is transferred outside the United Kingdom or countries recognised as providing an adequate level of data protection, we will ensure that appropriate safeguards are implemented in accordance with applicable data protection legislation, including the use of approved Standard Contractual Clauses or other lawful transfer mechanisms where required.
 

12.10 Data Retention

We retain personal data only for as long as reasonably necessary to fulfil the purposes for which it was collected, to comply with legal, regulatory, accounting and reporting obligations, to resolve disputes and to enforce our legal rights.
Further information regarding retention periods is available within our Privacy Policy.
 

12.11 Individual Rights

Where applicable under data protection legislation, individuals may have the right to:
 
  • Request access to their personal data.
  • Request correction of inaccurate information.
  • Request deletion of personal data.
  • Request restriction of processing.
  • Object to certain processing activities.
  • Request transfer of personal data.
  • Withdraw consent where processing is based on consent.
  • Lodge a complaint with the Information Commissioner’s Office (ICO).
Requests relating to personal data should be submitted using the contact details provided in our Privacy Policy.
 

12.12 Cookies and Similar Technologies

Our website and applications may use cookies and similar technologies to improve functionality, enhance security, analyse usage and personalise user experience.
 
Further information regarding our use of cookies, including how to manage or disable them, is provided within our Cookie Policy.
 

12.13 Regulatory Compliance

Nothing within this section limits either party’s obligations under applicable data protection legislation. Both parties agree to cooperate in good faith where reasonably required to enable compliance with applicable legal and regulatory requirements relating to personal data.
 

13. Confidentiality

13.1 Confidential Information

For the purposes of these Terms, Confidential Information means any non-public information disclosed by either party to the other, whether in writing, electronically, verbally or by any other means, including but not limited to:
 
  • Business plans, strategies and commercial information.
  • Customer, supplier and partner information.
  • Financial information and pricing.
  • Software, source code, technical documentation and specifications.
  • Trade secrets and proprietary business processes.
  • Product development information.
  • Marketing plans and business opportunities.
  • Any information clearly identified as confidential or which would reasonably be understood to be confidential by its nature.
Confidential Information does not include information that:
 
  • Is or becomes publicly available through no breach of these Terms.
  • Was lawfully known to the receiving party before disclosure.
  • Is lawfully obtained from a third party without restriction.
  • Is independently developed without reference to the Confidential Information.

13.2 Confidentiality Obligations

Each party agrees to:
 
  • Keep all Confidential Information secure and confidential.
  • Use Confidential Information solely for the purposes of providing or receiving the Services.
  • Take reasonable technical, organisational and physical measures to protect Confidential Information against unauthorised access, disclosure or misuse.
  • Limit access to Confidential Information to employees, contractors, professional advisers and authorised representatives who require access for the performance of their duties and who are subject to appropriate confidentiality obligations.
Neither party shall disclose Confidential Information to any third party except as permitted under these Terms or with the prior written consent of the disclosing party.
 

13.3 Permitted Disclosures

A party may disclose Confidential Information where disclosure is reasonably necessary:
 
  • To provide the Services.
  • To communicate with authorised Third-Party Providers in connection with an Application or Service.
  • To professional advisers, auditors, insurers or legal representatives who are under a duty of confidentiality.
  • To comply with applicable law, regulation, court order or the lawful request of a regulatory authority.
  • To protect the rights, property or legitimate interests of M World Business Solutions Ltd, our Customers or our business partners.
Where legally permitted, the receiving party will use reasonable efforts to notify the disclosing party before making any compulsory disclosure.
 

13.4 Customer Information

We recognise that information relating to your business, customers, finances and commercial activities may be confidential.
 
Except where disclosure is authorised by you, required to deliver the Services, required by law or permitted under our Privacy Policy, M World Business Solutions Ltd will not knowingly disclose such information to third parties.
 

13.5 Third-Party Confidential Information

You acknowledge that our Third-Party Providers, suppliers and business partners may provide confidential or proprietary information in connection with their products or services.
 
You agree not to copy, disclose, distribute or use such information except as necessary to receive the relevant Services or as authorised by the relevant Third-Party Provider.
 

13.6 Duration of Confidentiality

The confidentiality obligations contained within this section shall commence when Confidential Information is disclosed and shall continue throughout the provision of the Services.
 
Following termination or expiry of these Terms, these obligations shall continue for a period of five (5) years, or for so long as the information remains confidential under applicable law, whichever is longer.
 
Trade secrets shall remain confidential for as long as they retain their status as trade secrets under applicable law.
 

13.7 Return or Destruction of Information

Upon reasonable request, or upon termination of the Services where appropriate, each party shall promptly return, securely delete or destroy Confidential Information belonging to the other party, unless retention is:
 
  • Required by applicable law or regulation.
  • Required for legitimate accounting, audit or record-keeping purposes.
  • Necessary for the establishment, exercise or defence of legal claims.
  • Required under our data retention obligations set out in our Privacy Policy.
Where electronic backups contain Confidential Information, such information may remain within secure backup systems until overwritten in accordance with normal business retention procedures, provided it remains protected under this section.
 

13.8 Injunctive Relief

The parties acknowledge that unauthorised disclosure or misuse of Confidential Information may cause irreparable harm that cannot be adequately compensated by damages alone.
 
Accordingly, either party may seek injunctive relief, specific performance or any other equitable remedy available under applicable law, in addition to any other legal remedies.
 

13.9 Survival

The obligations contained within this section shall survive the termination, expiry or cancellation of these Terms and shall continue in accordance with Section 13.6.
 

14. Third-Party Services and Integrations

14.1 Use of Third-Party Services

In order to provide our Services, M World Business Solutions Ltd may integrate with or facilitate access to products, services, software, platforms and technologies provided by third parties (“Third-Party Services”).
 
These may include, but are not limited to:
 
  • Clover® point-of-sale systems and applications.
  • Payment processors and merchant acquiring providers.
  • Banking and financial institutions.
  • Commercial finance providers.
  • Insurance providers.
  • Accounting and bookkeeping software.
  • Customer relationship management (CRM) platforms.
  • Cloud hosting providers.
  • Identity verification and fraud prevention services.
  • Business utility providers.
  • Communication platforms and software integrations.
  • Application Programming Interfaces (APIs) and other technology services.

14.2 Independent Third-Party Providers

Unless expressly stated otherwise in writing, Third-Party Services are provided by independent organisations that are not owned, operated or controlled by M World Business Solutions Ltd.
 
Your use of any Third-Party Service may be subject to separate terms and conditions, privacy policies, licence agreements or contractual arrangements imposed by the relevant provider.
 
You are responsible for reviewing and complying with any applicable third-party terms before using their products or services.
 

14.3 Clover Integrations

Where our Services include software, applications or integrations designed for use with Clover® products or services, you acknowledge that:
 
  • Clover is an independent platform operated by its respective owners.
  • Continued operation of our Clover applications may depend upon Clover’s systems, APIs, software, developer platform and technical requirements.
  • Changes made by Clover may affect the functionality, availability or compatibility of our applications.
  • We cannot guarantee uninterrupted compatibility with future Clover software updates or hardware releases.
Where reasonably practicable, we will use reasonable efforts to maintain compatibility following significant changes made by Clover.
 

14.4 Payment Processors and Banking Providers

Where our Services involve payment processing, merchant acquiring, banking or financial services, those services are provided by authorised Third-Party Providers.
 
M World Business Solutions Ltd:
 
  • Does not process payment transactions unless expressly stated.
  • Does not hold customer funds unless authorised to do so.
  • Does not make lending or underwriting decisions.
  • Cannot alter transaction fees, settlement times or banking policies established by Third-Party Providers.
Any disputes relating to payment processing, settlements, banking services or financial products may need to be addressed directly with the relevant provider, although we will provide reasonable assistance where appropriate.
 

14.5 APIs and Software Integrations

Our Services may rely upon APIs, software integrations or external platforms operated by third parties.
 
You acknowledge that:
  • Third-party APIs may be modified, restricted or withdrawn without notice.
  • External software providers may update their systems at any time.
  • Such changes may temporarily or permanently affect certain features or functionality of our Services.
We are not responsible for interruptions caused by changes made by third-party technology providers beyond our reasonable control.
 

14.6 Third-Party Availability

The availability of certain Services may depend upon the continued operation of Third-Party Services.
 
We do not guarantee that any Third-Party Service will remain continuously available, error-free or compatible with our Services.
 
Where a Third-Party Provider suspends, withdraws or permanently discontinues a product or service, we may suspend, modify or discontinue any affected Service without liability, provided we have acted reasonably.
 

14.7 Third-Party Outages

M World Business Solutions Ltd shall not be liable for any delay, interruption, reduction in functionality or failure of our Services arising from:
 
  • Outages affecting Third-Party Providers.
  • Internet or telecommunications failures.
  • Payment processor downtime.
  • Banking system interruptions.
  • Cloud hosting failures.
  • API failures or service interruptions.
  • Software updates implemented by Third-Party Providers.
  • Cybersecurity incidents affecting external providers.
  • Maintenance carried out by Third-Party Providers.
  • Any event outside our reasonable control.
Where reasonably practicable, we will keep Customers informed of significant service interruptions that materially affect our Services.
 

14.8 Changes Made by Third Parties

Third-Party Providers may change their:
 
  • Products and services.
  • Software functionality.
  • APIs.
  • Security requirements.
  • Pricing.
  • Technical specifications.
  • Compliance requirements.
  • Terms and conditions.
Such changes may affect our ability to provide certain features or Services.
 
We reserve the right to modify, suspend or discontinue any affected functionality where reasonably necessary to maintain security, regulatory compliance or operational integrity.
 

14.9 No Responsibility for Third-Party Content

Where our website, applications or Services contain links to external websites, software or services, those resources are provided for convenience only.
 
M World Business Solutions Ltd does not endorse, guarantee or accept responsibility for the content, availability, security or practices of any third-party website or service.
 
Your use of Third-Party Services is at your own risk and subject to the relevant provider’s terms and conditions.
 

14.10 Limitation of Liability for Third-Party Services

To the fullest extent permitted by applicable law, M World Business Solutions Ltd shall not be liable for any loss, damage, delay, interruption, costs or expenses arising directly or indirectly from:
 
  • The acts or omissions of any Third-Party Provider.
  • Decisions made by payment processors, banks or finance providers.
  • API failures or incompatibility.
  • Service outages or technical failures affecting Third-Party Services.
  • Delays in processing applications or transactions by Third-Party Providers.
  • Changes to Third-Party software, hardware or technical requirements.
  • The withdrawal or discontinuation of any Third-Party Service.
Nothing in this section excludes or limits any liability that cannot lawfully be excluded under applicable law.
 

15. Service Availability

15.1 Availability of Services

M World Business Solutions Ltd will use reasonable care and skill to maintain the availability and operation of our website, applications, software and Services.
 
However, due to the nature of internet-based, cloud-based and integrated technology services, we do not guarantee that our Services will always be available, uninterrupted, secure or free from errors.
 
Unless expressly agreed otherwise in a separate written Service Level Agreement (“SLA”), no specific level of uptime or availability is guaranteed.
 

15.2 Planned Maintenance

From time to time, we may need to temporarily restrict, suspend or interrupt access to all or part of our Services in order to carry out:
 
  • Routine maintenance.
  • Software updates.
  • Security updates.
  • System upgrades.
  • Infrastructure improvements.
  • Database maintenance.
  • Integration updates.
  • Performance improvements.
  • Other technical or operational work.
Where reasonably practicable and where planned maintenance is expected to cause a material interruption to the Services, we will endeavour to provide reasonable advance notice.
 

15.3 Emergency Maintenance

We may carry out emergency maintenance without prior notice where we reasonably consider it necessary to:
 
  • Address a security vulnerability.
  • Respond to an actual or suspected cyber incident.
  • Prevent fraud or unauthorised access.
  • Protect customer or business data.
  • Prevent damage to our systems or those of a Third-Party Provider.
  • Restore affected Services.
  • Comply with a legal or regulatory requirement.
Where emergency maintenance materially affects the availability of our Services, we will use reasonable efforts to restore normal operation as soon as reasonably practicable.
 

15.4 Third-Party Dependencies

Certain Services depend upon systems, infrastructure, software, APIs, networks or services operated by Third-Party Providers, including payment processors, banking providers, cloud infrastructure providers, telecommunications providers, software platforms and Clover.
 
The availability of these Services may therefore be affected by circumstances outside the reasonable control of M World Business Solutions Ltd.
 
Third-party outages and interruptions are subject to the provisions of Section 14 (Third-Party Services and Integrations).
 

15.5 Internet and Network Availability

You acknowledge that access to our online Services depends upon internet connectivity, telecommunications networks and equipment that may not be controlled by M World Business Solutions Ltd.
 
We are not responsible for a Customer’s inability to access the Services due to:
 
  • Internet connectivity problems.
  • Mobile or telecommunications network failures.
  • Local network or Wi-Fi problems.
  • Customer hardware or software failures.
  • Incorrect system configurations.
  • Unsupported devices, operating systems or browsers.
  • Restrictions imposed by the Customer’s network or security systems.
You are responsible for maintaining suitable equipment, connectivity and systems necessary to access and use our Services.
 

15.6 Security-Related Suspension

We may temporarily suspend or restrict access to all or part of our Services where we reasonably believe this is necessary to:
 
  • Protect the security or integrity of our systems.
  • Protect Customer information or Personal Data.
  • Investigate suspected unauthorised access.
  • Prevent fraud or other unlawful activity.
  • Respond to a cybersecurity incident.
  • Protect our Third-Party Providers.
  • Comply with legal or regulatory obligations.
Where reasonably practicable, we will notify affected Customers of a security-related suspension unless doing so would compromise security, an investigation or a legal or regulatory obligation.
 

15.7 Service Performance

The performance of our Services may vary depending upon factors including:
 
  • Internet connection speed.
  • Device performance.
  • Transaction volumes.
  • Third-party system performance.
  • API response times.
  • Geographic location.
  • Network congestion.
  • Maintenance activities.
  • Circumstances outside our reasonable control.
Temporary reductions in performance do not constitute a breach of these Terms unless expressly provided otherwise in a separate written agreement.
 

15.8 Updates and Improvements

We may periodically update, improve or modify our Services in order to:
 
  • Improve functionality or performance.
  • Introduce new features.
  • Maintain compatibility with Third-Party Services.
  • Improve security.
  • Address technical issues.
  • Meet legal or regulatory requirements.
  • Respond to changes in technology or industry standards.
Updates may result in changes to the appearance, functionality or operation of our Services.
 
Where reasonably practicable, we will seek to minimise material disruption resulting from such updates.
 

15.9 Changes to Technical Requirements

We may update the technical requirements necessary to access or use our Services from time to time.
 
Customers are responsible for maintaining compatible hardware, software, operating systems, browsers, internet connections and other technology reasonably necessary to use the Services.
 
We will use reasonable efforts to provide notice where a material change to our technical requirements is expected to affect a significant number of Customers.
 

15.10 Service Interruptions

Where a Service interruption occurs, we will use reasonable efforts to investigate the cause and restore the affected Service within a reasonable period.
 
The time required to restore a Service may depend upon the nature and severity of the incident and whether resolution depends upon a Third-Party Provider.
 
We do not guarantee any particular restoration time unless expressly agreed in a separate written SLA.
 

15.11 Business Continuity

M World Business Solutions Ltd may maintain reasonable business continuity, backup and disaster recovery arrangements appropriate to the nature of the Services we provide.
 
However, such arrangements do not constitute a guarantee that every interruption, loss of functionality or loss of data can be prevented or immediately recovered.
 
Customers remain responsible for maintaining appropriate copies, backups and records of information that they are legally or operationally required to retain.
 

15.12 Events Beyond Our Reasonable Control

We shall not be responsible for any delay, interruption or failure in the availability of our Services resulting from circumstances beyond our reasonable control, including:
 
  • Failure of telecommunications or internet infrastructure.
  • Power failures.
  • Cloud infrastructure outages.
  • Third-party software or API failures.
  • Payment network or banking system outages.
  • Cyberattacks or malicious activity that could not reasonably have been prevented.
  • Natural disasters or extreme weather.
  • Government or regulatory action.
  • Industrial disputes.
  • Public emergencies.
  • Any other event beyond our reasonable control.
Such circumstances may also be subject to the Force Majeure provisions contained in these Terms.
 

15.13 No Guarantee of Continuous Availability

Except where expressly stated in a separate written agreement, M World Business Solutions Ltd does not warrant or guarantee that:
 
  • The Services will be available at all times.
  • Access will be uninterrupted.
  • All errors or defects will be corrected immediately.
  • The Services will operate without delay.
  • Third-Party Services will remain continuously available.
  • Every feature will remain available indefinitely.
Nothing in this section affects any statutory rights or liabilities that cannot lawfully be excluded or limited.
 

15.14 Our Responsibility

Nothing in this section excludes M World Business Solutions Ltd’s responsibility for failures caused directly by our failure to exercise reasonable care and skill where such responsibility cannot lawfully be excluded.
 
Any liability arising from the availability, interruption or performance of the Services remains subject to the Limitation of Liability provisions contained in these Terms.
 

16. Support Services

16.1 Support Commitment

M World Business Solutions Ltd is committed to providing reasonable customer support in relation to the Services we provide. The level of support available may vary depending on the type of Service purchased, any applicable service agreement, and the support package selected by the Customer.
 

16.2 Scope of Support

Unless otherwise agreed in writing, our support services may include:
 
  • Assistance with the setup and configuration of our Services.
  • Technical support relating to our software, applications and integrations.
  • General guidance on the use of our Services.
  • Investigation of reported faults or technical issues.
  • Assistance with account-related enquiries.
  • Reasonable support relating to integrations with approved Third-Party Providers, where such issues fall within our control.
Support does not include consultancy services, bespoke development, training, hardware maintenance, network administration, or support for third-party products unless expressly agreed in writing.
 

16.3 Support Channels

Support may be provided through one or more of the following channels:
 
  • Email.
  • Telephone.
  • Online contact forms.
  • Customer portals.
  • Remote support sessions.
  • Other communication methods made available by M World Business Solutions Ltd.
We may introduce, modify or withdraw support channels from time to time where reasonably necessary.
 

16.4 Support Hours

Unless otherwise agreed in writing, customer support is provided during our published business hours on Business Days.
 
Requests submitted outside normal business hours, on weekends or public holidays may be acknowledged and responded to on the next Business Day.
 
Where emergency support or extended support arrangements have been agreed separately, those arrangements shall take precedence.
 

16.5 Response Times

We aim to respond to support requests within reasonable times; however, response times are targets only and do not constitute a contractual guarantee unless expressly stated within a separate written Service Level Agreement (“SLA”).
 
Response times may vary depending upon:
 
  • The nature and severity of the issue.
  • The information provided.
  • The complexity of the investigation.
  • The availability of Third-Party Providers.
  • The volume of support requests being handled.

16.6 Customer Responsibilities

To enable us to provide effective support, you agree to:
 
  • Provide accurate and complete information regarding any issue.
  • Cooperate with reasonable troubleshooting requests.
  • Provide access to relevant systems where reasonably required and authorised.
  • Maintain supported versions of software and applications.
  • Install updates where reasonably necessary.
  • Maintain appropriate internet connectivity and compatible hardware.
  • Ensure authorised personnel are available where their assistance is required.
Failure to provide requested information or reasonable cooperation may delay resolution of a support request.
 

16.7 Third-Party Issues

Where an issue originates from a Third-Party Provider, including Clover, payment processors, banking providers, software vendors, cloud hosting providers or other integrated services, we will use reasonable efforts to assist in identifying the issue and liaise with the relevant provider where appropriate.
 
However, M World Business Solutions Ltd cannot control the timescales, decisions or actions of Third-Party Providers and cannot guarantee the resolution of issues outside our reasonable control.
 

16.8 Software Updates

From time to time we may release software updates, security patches, bug fixes and new versions of our applications or Services.
 
Customers are responsible for installing updates where required unless updates are deployed automatically.
 
Failure to install supported updates may affect compatibility, security, functionality or eligibility for support.
 

16.9 Fair Use of Support

Support services are provided on a fair and reasonable use basis.
 
Where a Customer submits excessive, repetitive or unreasonable support requests that fall outside the agreed scope of support, we reserve the right to:
 
  • Prioritise support requests based on severity.
  • Recommend additional consultancy or professional services.
  • Charge additional fees where appropriate, provided such charges are agreed in advance.
  • Limit or suspend support where support services are being misused.

16.10 Exclusions

Unless expressly agreed in writing, we are not responsible for providing support in relation to:
 
  • Third-party software not supplied by M World Business Solutions Ltd.
  • Customer hardware or local networks.
  • Internet connectivity issues.
  • Customer-created modifications or customisations.
  • Unsupported operating systems or devices.
  • Issues caused by misuse of the Services.
  • Malware, viruses or cybersecurity incidents affecting the Customer’s own systems.
  • Services provided directly by Third-Party Providers.

16.11 Remote Support

Where remote access is required to investigate or resolve an issue, you authorise M World Business Solutions Ltd to access relevant systems only with your prior permission and solely for the purpose of providing the requested support.
 
You remain responsible for ensuring that appropriate backups have been taken before remote support is provided.
 

16.12 Customer Satisfaction

We continually seek to improve our Services and support standards. We welcome feedback regarding our support services and may use comments or suggestions to improve our processes, systems and customer experience.
 

16.13 No Guaranteed Resolution

While we will use reasonable skill, care and diligence in investigating and responding to support requests, we cannot guarantee that every issue can be resolved or resolved within a particular timeframe.
 
Certain issues may depend upon Third-Party Providers, external infrastructure, software limitations or circumstances beyond our reasonable control.
 

16.14 Separate Service Level Agreements

Where M World Business Solutions Ltd has entered into a separate written Service Level Agreement (SLA) with a Customer, the terms of that SLA shall apply in respect of the relevant Services to the extent of any inconsistency with this section.
 

16.15 Changes to Support Services

We reserve the right to amend, improve or modify our support services, support processes and methods from time to time, provided that any material reduction in contracted support services will be communicated to affected Customers where reasonably practicable.
 

17. Warranties and Disclaimers

17.1 Provision of Services

M World Business Solutions Ltd will provide the Services using reasonable skill, care and diligence consistent with good industry practice.
 
While we aim to provide reliable, accurate and high-quality Services, we do not warrant or guarantee that the Services will meet every Customer’s individual requirements or expectations.
 

17.2 No Guarantee of Business Results

Unless expressly agreed in writing, M World Business Solutions Ltd does not warrant or guarantee that use of our Services will result in:
 
  • Increased sales or revenue.
  • Cost savings.
  • Business growth.
  • Approval of any application.
  • Finance, funding or insurance being obtained.
  • Merchant account approval.
  • Improved payment processing performance.
  • Compliance with legal or regulatory obligations.
  • Any particular commercial outcome.
Any projections, illustrations, estimates or examples provided are for general guidance only and should not be relied upon as guarantees of future performance.
 

17.3 Information Provided

Information made available through our website, applications, reports, marketing materials or communications is provided for general business information purposes only.
 
Unless expressly stated otherwise in writing, nothing provided by M World Business Solutions Ltd constitutes legal, financial, tax, accounting, investment or other regulated professional advice.
 
Customers should obtain independent professional advice before making significant commercial, financial or legal decisions.
 

17.4 Third-Party Products and Services

Where our Services involve introductions to or integrations with Third-Party Providers, we do not warrant:
 
  • The availability of third-party products or services.
  • The suitability of any third-party product for your business.
  • The financial stability or performance of any Third-Party Provider.
  • Decisions made by payment processors, lenders, insurers or banks.
  • The accuracy of information supplied by Third-Party Providers.
  • Compatibility following changes made by third-party software providers.
Any warranties relating to third-party products or services are provided solely by the relevant Third-Party Provider.
 

17.5 Website and Software

We use reasonable efforts to ensure that our website, software and applications are secure and operate correctly.
 
However, we do not warrant that our website, applications or Services will:
 
  • Operate without interruption.
  • Be continuously available.
  • Be free from errors or defects.
  • Be free from viruses, malware or other harmful components.
  • Be compatible with every hardware device, operating system or software platform.
You are responsible for implementing appropriate security measures, including maintaining suitable antivirus software, backups and system protection.
 

17.6 Customer Responsibility

You acknowledge that the effectiveness of our Services depends upon the accuracy and completeness of the information you provide.
 
We shall not be responsible for any loss, delay or adverse outcome resulting from:
 
  • Inaccurate or incomplete information supplied by you.
  • Failure to provide requested documentation.
  • Failure to follow reasonable guidance or instructions.
  • Errors or omissions made by you or your representatives.
  • Decisions made by you based upon incomplete information.

17.7 Regulatory and Legal Compliance

Although our Services are designed to assist businesses in various commercial activities, you remain solely responsible for ensuring that your business complies with all applicable laws, regulations, industry requirements and contractual obligations.
Nothing within our Services should be interpreted as confirming your legal or regulatory compliance unless expressly agreed in writing.
 

17.8 Changes in Law or Third-Party Requirements

We do not warrant that our Services will remain unchanged where modifications are required due to:
 
  • Changes in legislation.
  • Regulatory requirements.
  • Industry standards.
  • Security requirements.
  • Technology developments.
  • Changes made by Third-Party Providers.
We reserve the right to modify our Services where reasonably necessary to respond to such changes.
 

17.9 Implied Warranties

To the fullest extent permitted by applicable law, all warranties, conditions and representations not expressly set out in these Terms are excluded, including any implied warranties of merchantability, satisfactory quality or fitness for a particular purpose.
Nothing in this section excludes any statutory rights that cannot lawfully be excluded.
 

17.10 Consumer Rights

Where you are a consumer, nothing in these Terms excludes or limits any statutory rights available to you under applicable consumer protection legislation, including the Consumer Rights Act 2015.
 

17.11 No Waiver of Legal Rights

No statement, communication or representation made by M World Business Solutions Ltd shall constitute a warranty unless expressly confirmed in writing by an authorised representative of the Company.
 

17.12 Survival

The warranties, disclaimers and exclusions contained within this section shall survive the termination or expiry of these Terms to the extent necessary to give them full legal effect.
 

18. Limitation of Liability

18.1 Application of this Section

This section sets out the entire financial liability of M World Business Solutions Ltd (including any liability for the acts or omissions of our employees, directors, agents and subcontractors) arising out of or in connection with these Terms, the Services or any contract between us.
 
Nothing in these Terms shall exclude or limit liability where it would be unlawful to do so.
 

18.2 Liability That Cannot Be Excluded

Nothing in these Terms excludes or limits liability for:
 
  • Death or personal injury caused by negligence.
  • Fraud or fraudulent misrepresentation.
  • Any breach of rights that cannot lawfully be excluded or restricted under applicable law.
  • Any other liability that cannot be excluded or limited under the laws of England and Wales.

18.3 Excluded Losses

To the fullest extent permitted by applicable law, M World Business Solutions Ltd shall not be liable for any indirect, incidental, consequential or special loss or damage arising out of or in connection with the Services.
This includes, but is not limited to:
 
  • Loss of profits.
  • Loss of revenue.
  • Loss of business opportunities.
  • Loss of contracts.
  • Loss of anticipated savings.
  • Loss of goodwill or reputation.
  • Loss of data.
  • Loss of business information.
  • Business interruption.
  • Loss arising from delayed transactions or delayed approvals.
  • Loss resulting from the actions or omissions of any Third-Party Provider.

18.4 Third-Party Providers

Where our Services involve introductions to, referrals to or integrations with Third-Party Providers, M World Business Solutions Ltd shall not be responsible for:
 
  • Decisions made by Third-Party Providers.
  • Delays in processing applications.
  • Withdrawal of products or services.
  • Changes to pricing or commercial terms.
  • System outages.
  • API failures.
  • Security incidents affecting Third-Party Providers.
  • Breaches of contract by Third-Party Providers.
Any claim relating to products or services supplied by a Third-Party Provider should, where appropriate, be directed to that provider.
 

18.5 Customer Information

We shall not be liable for any loss arising from:
 
  • Incorrect, incomplete or misleading information supplied by you.
  • Failure to provide requested documentation.
  • Failure to maintain appropriate security measures.
  • Failure to follow our reasonable instructions.
  • Unauthorised access resulting from your failure to safeguard passwords, credentials or devices.

18.6 Internet and Technology Risks

You acknowledge that internet-based services involve inherent risks.
 
M World Business Solutions Ltd shall not be liable for losses arising from:
 
  • Internet failures.
  • Telecommunications failures.
  • Power outages.
  • Cyber attacks by third parties.
  • Malware or viruses introduced by third parties.
  • Cloud infrastructure failures.
  • Failures affecting Clover or other integrated platforms.
  • Events beyond our reasonable control.

18.7 Financial Liability Cap

Subject to Sections 18.2 and 18.10, the total aggregate liability of M World Business Solutions Ltd arising out of or in connection with these Terms or the Services, whether arising in contract, tort (including negligence), breach of statutory duty or otherwise, shall not exceed:
 
  • The total amount of fees paid by the Customer to M World Business Solutions Ltd for the specific Service giving rise to the claim during the twelve (12) months immediately preceding the event giving rise to the claim; or
  • £5,000,
whichever is the lower amount, unless a different limitation has been expressly agreed in writing.
 

18.8 Time Limit for Claims

Any claim arising out of or in connection with these Terms or the Services must be notified to M World Business Solutions Ltd in writing as soon as reasonably practicable and, in any event, within twelve (12) months of the date on which the Customer became aware, or ought reasonably to have become aware, of the circumstances giving rise to the claim, unless a longer period is required by applicable law.
 

18.9 Customer Responsibility

You acknowledge that:
 
  • You are responsible for your own commercial decisions.
  • You should obtain independent legal, financial, tax or professional advice where appropriate.
  • You are responsible for ensuring that any products or services selected are suitable for your business.
  • You remain responsible for complying with all applicable laws and regulatory obligations affecting your business.

18.10 Consumer Rights

Where you are dealing with M World Business Solutions Ltd as a consumer, nothing in these Terms shall exclude or limit any statutory rights or remedies available to you under applicable consumer protection legislation.
 

18.11 Reasonableness

The parties acknowledge that the limitations and exclusions contained within this section are reasonable, having regard to:
 
  • The nature of the Services.
  • The fees charged.
  • The allocation of commercial risk between the parties.
  • The availability of insurance.
  • The ability of either party to obtain appropriate professional advice.

18.12 Survival

The provisions of this section shall survive the termination, expiry or cancellation of these Terms and shall continue to apply to any claim arising from events occurring before or after termination, to the extent permitted by applicable law.
 

19. Indemnity

19.1 Customer Indemnity

To the fullest extent permitted by applicable law, you agree to indemnify, defend and hold harmless M World Business Solutions Ltd, its directors, officers, employees, consultants, contractors, agents and affiliates from and against any losses, liabilities, claims, actions, proceedings, damages, costs, expenses and reasonable legal fees arising out of or in connection with:
 
  • Your breach of these Terms.
  • Your misuse of our Services.
  • Any unlawful, fraudulent or negligent act or omission by you or anyone acting on your behalf.
  • Any inaccurate, incomplete or misleading information or documentation provided by you.
  • Your infringement of any intellectual property rights or other legal rights of a third party.
  • Your breach of any applicable law, regulation or industry requirement.
  • Any dispute between you and a Third-Party Provider arising from information or instructions supplied by you.

19.2 Customer Content

You warrant that all documents, information, trademarks, logos, images, software, data and other content supplied to M World Business Solutions Ltd are lawfully owned by you or that you have obtained all necessary permissions to provide them.
 
You agree to indemnify M World Business Solutions Ltd against any claim arising from:
 
  • Alleged infringement of copyright, trademarks, patents or other intellectual property rights.
  • Defamation or unlawful content.
  • Breach of confidentiality.
  • Unlawful processing or disclosure of personal data caused by information supplied by you.
  • Any other legal claim relating to materials you have provided.

19.3 Third-Party Claims

Where a third party brings a claim against M World Business Solutions Ltd arising directly from your actions, omissions, business activities or breach of these Terms, you agree to:
 
  • Cooperate fully in the defence of the claim.
  • Provide all reasonably requested information and documentation.
  • Reimburse M World Business Solutions Ltd for all reasonable losses, costs, expenses and legal fees incurred in defending or resolving the claim, to the extent permitted by applicable law.

19.4 Regulatory Investigations

Where your actions or omissions result in an investigation, enforcement action, regulatory penalty or legal proceedings involving M World Business Solutions Ltd, you agree to indemnify us for all reasonable costs, expenses, fines, professional fees and liabilities incurred to the extent that they arise from your breach of these Terms or applicable law.
 
This provision does not apply where the investigation or liability arises solely from our own negligence, fraud or breach of applicable law.
 

19.5 Third-Party Providers

Where our Services include introductions to or integrations with Third-Party Providers, you agree that M World Business Solutions Ltd shall not be responsible for claims arising from agreements entered into directly between you and those providers, except where such liability cannot lawfully be excluded.
 
You agree to indemnify M World Business Solutions Ltd against claims arising from your breach of any agreement entered into directly with a Third-Party Provider where those claims are brought against us as a result of your conduct.
 

19.6 Notification of Claims

Where either party becomes aware of any claim that may give rise to an indemnity under this section, that party shall notify the other as soon as reasonably practicable.
 
Failure to provide prompt notice shall not invalidate the indemnity except to the extent that the delay materially prejudices the defending party.
 

19.7 Conduct of Claims

M World Business Solutions Ltd reserves the right to assume conduct of the defence or settlement of any claim for which indemnification is sought.
 
You agree to provide all reasonable assistance requested in connection with the defence, settlement or resolution of the claim.
 
No settlement that imposes any admission of liability or obligation on M World Business Solutions Ltd may be entered into without our prior written consent.
 

19.8 Limitations

Nothing in this section shall require either party to indemnify the other for losses arising solely from the negligence, fraud or wilful misconduct of the indemnified party.
 
Nothing in this section excludes or limits any liability that cannot lawfully be excluded under applicable law.
 

19.9 Survival

The indemnities contained within this section shall survive the expiry, cancellation or termination of these Terms and shall continue in force for any claims arising from events occurring during the period in which these Terms were in effect.
 

20. Compliance with Laws and Regulations

20.1 General Compliance

Both M World Business Solutions Ltd and the Customer agree to comply with all applicable laws, regulations, regulatory guidance and industry standards relating to the use of the Services.
 
Nothing in these Terms requires either party to act in a manner that would breach any applicable law or regulatory obligation.
 

20.2 Customer Compliance

You are solely responsible for ensuring that your business complies with all laws, regulations and licensing requirements applicable to your business activities, including but not limited to:
 
  • Consumer protection legislation.
  • Data protection and privacy laws.
  • Payment services legislation.
  • Anti-money laundering legislation.
  • Counter-terrorist financing regulations.
  • Anti-bribery and anti-corruption laws.
  • Tax and accounting obligations.
  • Employment legislation.
  • Industry-specific regulatory requirements.
  • Any requirements imposed by your payment processor, acquiring bank or other Third-Party Provider.
The provision of our Services does not relieve you of your legal or regulatory responsibilities.
 

20.3 Anti-Money Laundering and Financial Crime

Where applicable, M World Business Solutions Ltd and its Third-Party Providers may carry out identity verification, customer due diligence, anti-money laundering (“AML”), sanctions screening, politically exposed person (“PEP”) checks and fraud prevention measures in accordance with applicable legislation.
 
You agree to provide any information or documentation reasonably requested to enable such checks to be completed.
 
Failure to provide the requested information may result in delays, suspension or refusal of the Services.
 

20.4 Fraud Prevention

M World Business Solutions Ltd reserves the right to suspend, refuse or terminate the provision of Services where we reasonably suspect:
 
  • Fraud or attempted fraud.
  • Identity theft.
  • Money laundering.
  • Financial crime.
  • Unlawful activity.
  • Misrepresentation.
  • Any activity that may expose M World Business Solutions Ltd or our Third-Party Providers to legal, financial or reputational risk.
Where appropriate, we may report suspected unlawful activity to law enforcement agencies, regulatory authorities or fraud prevention organisations.
 

20.5 Regulatory Requests

You agree to cooperate with any reasonable request for information made by M World Business Solutions Ltd where such information is required:
 
  • To comply with applicable law.
  • To satisfy a regulatory requirement.
  • To respond to a lawful request from a competent authority.
  • To comply with the requirements of a Third-Party Provider.
  • To investigate suspected fraud or security incidents.

20.6 Export Controls and Sanctions

You warrant that neither you nor your business are subject to sanctions, trade restrictions or prohibitions that would make the provision of our Services unlawful.
 
You agree not to use our Services in any jurisdiction or for any purpose prohibited by applicable export control or sanctions legislation.
 

20.7 Regulatory Changes

Where changes in legislation, regulation, regulatory guidance or industry requirements affect the provision of our Services, M World Business Solutions Ltd may make such changes to the Services or these Terms as are reasonably necessary to maintain compliance.
 
Where such changes materially affect existing Customers, we will provide reasonable notice where practicable.
 

20.8 Audits and Compliance Reviews

Where reasonably required by law, regulation or contractual obligations with a Third-Party Provider, M World Business Solutions Ltd may carry out compliance reviews or request information from Customers to verify ongoing compliance with applicable legal or contractual requirements.
 
Customers agree to cooperate with such reasonable requests.
 

20.9 No Regulatory Advice

Unless expressly agreed in writing, M World Business Solutions Ltd does not provide legal, regulatory, tax or compliance advice.
 
Customers remain responsible for obtaining independent professional advice where necessary to ensure compliance with applicable laws and regulations.
 

20.10 Consequences of Non-Compliance

Where we reasonably believe that a Customer has failed to comply with applicable law, these Terms or regulatory requirements, we may, without prejudice to any other rights available to us:
 
  • Suspend or restrict access to the Services.
  • Decline or withdraw an Application.
  • Request additional information or documentation.
  • Terminate the relevant Service or Account.
  • Notify the appropriate authorities where required or permitted by law.

20.11 Survival

The obligations contained within this section shall survive the termination or expiry of these Terms to the extent necessary to enable either party to comply with continuing legal or regulatory obligations.
 

21. Force Majeure

21.1 Force Majeure Event

Neither party shall be liable for any delay in performing, or failure to perform, any obligation under these Terms where such delay or failure results from a Force Majeure Event beyond that party’s reasonable control.
 
A Force Majeure Event includes, but is not limited to:
 
  • Natural disasters, including floods, earthquakes, storms or severe weather.
  • Fire, explosion or accidental damage.
  • War, armed conflict, terrorism or civil unrest.
  • Riots, strikes, lockouts or other industrial disputes (other than those affecting the party seeking to rely on this clause alone).
  • Epidemics, pandemics or public health emergencies.
  • Government actions, legislation, regulations, sanctions or restrictions.
  • Failure or interruption of utilities, telecommunications or internet services.
  • Cyber attacks, distributed denial-of-service (DDoS) attacks or widespread technology failures not caused by the affected party’s negligence.
  • Failure of cloud hosting providers or other critical infrastructure providers.
  • Failures or outages affecting Clover or any other Third-Party Provider upon which the Services reasonably depend.
  • Shortages of labour, materials or transportation.
  • Any other event beyond the reasonable control of the affected party.

21.2 Suspension of Obligations

Where a Force Majeure Event prevents or delays the performance of an obligation under these Terms, the affected obligation shall be suspended for the duration of the Force Majeure Event.
 
The affected party shall not be considered to be in breach of these Terms for the period during which performance is prevented or delayed by the Force Majeure Event.
 

21.3 Notification

The party affected by a Force Majeure Event shall notify the other party as soon as reasonably practicable after becoming aware of the event.
 
The notice should include, where reasonably possible:
 
  • The nature of the Force Majeure Event.
  • The obligations affected.
  • The anticipated impact on the Services.
  • An estimate of the expected duration, if known.
Failure to provide prompt notice shall not prevent reliance on this clause where giving notice was itself impracticable due to the Force Majeure Event.
 

21.4 Duty to Mitigate

The affected party shall use reasonable endeavours to minimise the effects of the Force Majeure Event and resume normal performance of its obligations as soon as reasonably practicable.
 
Nothing in this clause requires a party to settle any industrial dispute on terms it does not consider appropriate.
 

21.5 Third-Party Dependencies

Where the provision of the Services depends upon Third-Party Providers, including payment processors, cloud hosting providers, software vendors, financial institutions, telecommunications providers or other service providers, delays or failures affecting those providers may constitute a Force Majeure Event where they are beyond the reasonable control of M World Business Solutions Ltd.
 

21.6 Customer Obligations

Nothing in this section relieves the Customer of any obligation to pay fees that became due and payable before the Force Majeure Event occurred.
 
Where reasonably possible, the Customer shall cooperate with M World Business Solutions Ltd to minimise any disruption caused by the Force Majeure Event.
 

21.7 Extended Force Majeure

If a Force Majeure Event continues for a continuous period of sixty (60) days or more and materially prevents the performance of the Services, either party may terminate the affected Services by giving written notice to the other party.
 
Termination under this clause shall not affect any rights, obligations or liabilities that accrued prior to the date of termination.
 

21.8 No Liability

Neither party shall be liable to the other for any loss, damage, cost or expense arising solely from a delay or failure to perform obligations caused by a Force Majeure Event.
 

21.9 Survival

This section shall survive the termination or expiry of these Terms to the extent necessary to give effect to any rights or obligations arising from a Force Majeure Event that commenced before termination.
 

22. Suspension and Termination of Services

22.1 Right to Suspend Services

M World Business Solutions Ltd reserves the right to suspend, restrict or temporarily disable all or part of the Services where it is reasonably necessary to do so.
 
Suspension may be implemented immediately and without prior notice where circumstances reasonably require.
 

22.2 Grounds for Suspension

We may suspend the Services where we reasonably believe that:
 
  • You have breached these Terms.
  • Payment of fees is overdue.
  • Fraudulent or unlawful activity has occurred or is suspected.
  • Your account has been compromised or there is a security risk.
  • You have provided false, inaccurate or misleading information.
  • Your use of the Services presents a risk to M World Business Solutions Ltd, our Customers or any Third-Party Provider.
  • We are required to do so by law, regulation, court order or regulatory authority.
  • A Third-Party Provider requires us to suspend the relevant Service.
  • Planned or emergency maintenance is required.
  • Continued provision of the Services may expose us to legal, financial or reputational risk.

22.3 Effect of Suspension

During any period of suspension:
 
  • Access to some or all of the Services may be restricted or unavailable.
  • Certain features or functionality may be disabled.
  • Applications or transactions may be delayed or cancelled.
  • We may continue to retain Customer information where required by law or these Terms.
  • Your obligation to pay any outstanding fees shall continue unless otherwise agreed in writing.

22.4 Investigation

Where Services are suspended, M World Business Solutions Ltd may investigate the circumstances giving rise to the suspension.
 
You agree to cooperate fully and provide any information or documentation reasonably requested to assist with our investigation.
 

22.5 Restoration of Services

Where the reason for suspension has been resolved to our reasonable satisfaction, we will use reasonable endeavours to restore the affected Services as soon as reasonably practicable.
 
We do not guarantee that restoration will be immediate, particularly where third-party approvals or technical changes are required.
 

22.6 Right to Terminate

Without prejudice to any other rights or remedies available to us, M World Business Solutions Ltd may terminate these Terms or any individual Service immediately by written notice where:
 
  • You commit a material breach of these Terms that is incapable of remedy.
  • You fail to remedy a remediable breach within fourteen (14) days of receiving written notice requiring you to do so.
  • Fraud, money laundering, financial crime or unlawful activity is reasonably suspected.
  • You become insolvent, enter administration, liquidation, bankruptcy or any similar insolvency process.
  • You cease trading or are unable to pay your debts as they fall due.
  • Continued provision of the Services would be unlawful or contrary to regulatory requirements.
  • A Third-Party Provider permanently withdraws a service essential to the provision of the relevant Services.

22.7 Customer Termination

Nothing in this section affects any separate rights you may have to terminate these Terms in accordance with Section 7 (Renewals and Cancellation) or any other applicable provision of these Terms.
 

22.8 Consequences of Termination

Upon termination:
 
  • Your right to use the affected Services shall immediately cease.
  • Outstanding fees and other sums due to M World Business Solutions Ltd shall become immediately payable.
  • We may disable or close your account where appropriate.
  • We may retain or delete Customer information in accordance with our Privacy Policy, applicable law and our data retention obligations.
  • Any licences granted under these Terms shall automatically terminate unless otherwise agreed.

22.9 Rights Preserved

Termination or suspension shall not affect:
 
  • Any rights or remedies accrued before the date of suspension or termination.
  • Any outstanding payment obligations.
  • Any provisions intended to survive termination, including those relating to confidentiality, intellectual property, data protection, warranties, limitation of liability, indemnities and governing law.

22.10 No Liability for Suspension

To the fullest extent permitted by applicable law, M World Business Solutions Ltd shall not be liable for any loss arising from the lawful suspension or termination of the Services in accordance with these Terms.
 

22.11 Reinstatement

Where Services have been suspended rather than terminated, reinstatement shall be at the sole discretion of M World Business Solutions Ltd and may be subject to:
 
  • Payment of any outstanding fees.
  • Completion of identity or compliance checks.
  • Resolution of the issue giving rise to the suspension.
  • Acceptance of any updated Terms or policies.
  • Any other reasonable conditions necessary to protect our business, Customers or Third-Party Providers.

23. Changes to These Terms and Services

23.1 Right to Amend

M World Business Solutions Ltd reserves the right to amend, update or replace these Terms, our policies or the Services from time to time where reasonably necessary.
 
Such changes may be made to:
 
  • Reflect changes in applicable law or regulation.
  • Comply with regulatory guidance or industry standards.
  • Improve the functionality, security or performance of the Services.
  • Introduce new products, features or services.
  • Address technological developments.
  • Respond to changes imposed by Third-Party Providers.
  • Correct errors, inaccuracies or omissions.
  • Protect the legitimate business interests of M World Business Solutions Ltd.

23.2 Notification of Changes

Where a change materially affects your rights or obligations under these Terms, we will provide reasonable notice before the change takes effect.
 
Notice may be provided by:
 
  • Email.
  • Publication on our website.
  • Notification within our applications or customer portal.
  • Any other reasonable method of communication.
Minor, administrative or non-material changes may take effect immediately without prior notice.
 

23.3 Acceptance of Changes

By continuing to access or use the Services after revised Terms become effective, you agree to be bound by the updated Terms.
 
If you do not agree with any material change, you must stop using the affected Services and, where applicable, exercise any termination rights available under these Terms.
 

23.4 Service Changes

M World Business Solutions Ltd may from time to time:
 
  • Add, remove or modify features or functionality.
  • Introduce new products or services.
  • Improve performance or security.
  • Replace or discontinue technologies.
  • Update software or applications.
  • Modify integrations with Third-Party Providers.
We will use reasonable endeavours to minimise disruption where changes materially affect the Services.
 

23.5 Third-Party Changes

Certain aspects of the Services depend upon Third-Party Providers, including payment processors, software providers, cloud hosting providers and financial institutions.
 
Where changes made by a Third-Party Provider affect our Services, we may implement corresponding changes without liability where reasonably necessary to maintain compatibility, security or regulatory compliance.
 

23.6 Regulatory Changes

If changes in legislation, regulation, court decisions or regulatory guidance require amendments to these Terms or the Services, M World Business Solutions Ltd may implement such changes with immediate effect where necessary to comply with applicable legal obligations.
 

23.7 Continued Availability

Nothing in these Terms guarantees that any particular feature, functionality, integration or Service will remain available indefinitely.
 
We reserve the right to discontinue or replace any Service where reasonably necessary, provided that we will use reasonable endeavours to give affected Customers advance notice where practicable.
 

23.8 Version Control

The most current version of these Terms will be made available on our website or otherwise provided to Customers upon request.
 
The version in force at the time of your use of the Services shall apply unless otherwise agreed in writing.
 

23.9 Survival

Any amendments made under this section shall not affect rights, obligations or liabilities that accrued before the effective date of the relevant amendment unless required by law or expressly agreed between the parties.
 

24. Notices

24.1 Giving Notice

Any notice, request, demand or other formal communication required or permitted under these Terms (“Notice”) shall be made in writing.
 
A Notice may be delivered by:
 
  • Email.
  • First-class post or other recognised postal or courier service.
  • Delivery by hand.
  • Any other method expressly agreed in writing between the parties.
Routine customer support communications, marketing communications and general service notifications do not constitute formal Notices unless expressly stated otherwise.
 

24.2 Contact Details

Notices to M World Business Solutions Ltd should be sent using the contact details published on our website or any other contact details that we notify to you from time to time.
 
You are responsible for ensuring that the contact details associated with your Account remain accurate and up to date.
 

24.3 Deemed Receipt

Unless evidence to the contrary is provided, a Notice shall be deemed to have been received:
 
  • If delivered by hand, at the time of delivery.
  • If sent by email, at the time it enters the recipient’s email system, provided no delivery failure or bounce-back message is received.
  • If sent by first-class post within the United Kingdom, on the second Business Day after posting.
  • If sent by an international postal or courier service, on the fifth Business Day after dispatch or on the date confirmed by the delivery service, whichever occurs first.
Where a Notice is received outside normal Business Hours or on a day that is not a Business Day, it shall be deemed received at 9:00 a.m. on the next Business Day.
 

24.4 Electronic Communications

You consent to receiving communications from M World Business Solutions Ltd electronically, including by email or through our website, customer portal or applications.
 
Electronic communications may include:
 
  • Notices relating to these Terms.
  • Service updates.
  • Security notifications.
  • Billing and payment information.
  • Regulatory or compliance notices.
  • Other information relating to the Services.
Where permitted by law, electronic communications shall satisfy any legal requirement that a communication be in writing.
 

24.5 Changes to Contact Information

Each party shall promptly notify the other of any change to its contact details relevant to the giving or receipt of Notices.
 
M World Business Solutions Ltd shall not be responsible for any delay or failure in the delivery of a Notice resulting from inaccurate or outdated contact information provided by the Customer.
 

24.6 Proof of Delivery

The sender of a Notice may rely upon reasonable evidence of dispatch or delivery, including:
 
  • Postal or courier tracking information.
  • Delivery receipts.
  • Electronic transmission records.
  • Email server logs.
  • Read receipts where available.
Such evidence shall be sufficient proof of delivery unless proven otherwise.
 

24.7 Legal Proceedings

Nothing in this section affects the validity of any method of service or communication required by applicable law or the rules of any court or tribunal.
 

24.8 Survival

This section shall survive the termination or expiry of these Terms to the extent necessary for the giving of Notices relating to any accrued rights, obligations or legal proceedings arising under these Terms.
 

25. Assignment and Transfer

25.1 Assignment by M World Business Solutions Ltd

M World Business Solutions Ltd may assign, transfer, novate, subcontract or otherwise deal with any or all of its rights or obligations under these Terms without your prior consent, provided that doing so does not materially reduce the standard of the Services provided to you or adversely affect your legal rights under these Terms.
 
This includes transfers:
 
  • To any parent company, subsidiary or affiliated company.
  • As part of a business reorganisation.
  • In connection with the sale of all or part of our business.
  • Following a merger, acquisition or corporate restructuring.
  • To trusted subcontractors or service providers engaged in delivering the Services.
M World Business Solutions Ltd remains responsible for the performance of any obligations that it subcontracts, except where those obligations are assumed by a successor in accordance with applicable law.
 

25.2 Assignment by the Customer

You may not assign, transfer, novate, subcontract, charge or otherwise dispose of any of your rights or obligations under these Terms without the prior written consent of M World Business Solutions Ltd.
 
Any attempted assignment or transfer made without our prior written consent shall be void to the extent permitted by applicable law.
 

25.3 Change of Control

If you undergo a change of ownership or control that materially affects your legal identity or the nature of your business, you must notify M World Business Solutions Ltd as soon as reasonably practicable.
 
We reserve the right to review the continued provision of the Services where such change gives rise to legal, regulatory, operational or commercial concerns.
 

25.4 Subcontracting

M World Business Solutions Ltd may engage subcontractors, consultants, cloud hosting providers, technology partners and other Third-Party Providers to perform or support the delivery of the Services.
 
Where subcontractors process personal data on our behalf, we will ensure that appropriate contractual and data protection obligations are in place in accordance with applicable data protection legislation.
 

25.5 Successors and Permitted Assigns

These Terms shall be binding upon and benefit the parties and their respective permitted successors, assigns and legal representatives.
 
Any lawful assignee or successor to M World Business Solutions Ltd shall be entitled to enforce these Terms as if it were the original contracting party.
 

25.6 No Partnership or Agency

Nothing in these Terms creates or is intended to create any partnership, joint venture, agency, fiduciary relationship or employment relationship between the parties.
 
Neither party has authority to bind or incur obligations on behalf of the other except where expressly authorised in writing.
 

25.7 Survival

This section shall survive the termination or expiry of these Terms to the extent necessary to give effect to any assignment, transfer, subcontracting arrangement or succession that occurred while these Terms were in force.
 

26. Entire Agreement

26.1 Entire Agreement

These Terms, together with any documents expressly incorporated by reference, including our Privacy Policy, Cookie Policy, Acceptable Use Policy, Service Level Agreement (where applicable), Order Forms and any other written agreement between the parties, constitute the entire agreement between M World Business Solutions Ltd and the Customer in relation to the Services.
 
They supersede and replace all previous discussions, negotiations, representations, understandings, agreements and communications, whether oral or written, relating to the same subject matter.
 

26.2 Reliance

Each party acknowledges that, in entering into these Terms, it has not relied upon any statement, representation, assurance or warranty that is not expressly set out in these Terms or any document expressly incorporated by reference.
 
Nothing in this section limits or excludes liability for fraud or fraudulent misrepresentation.
 

26.3 Sales and Marketing Materials

Any descriptions, demonstrations, illustrations, promotional materials, marketing content, presentations, proposals, quotations or estimates provided by M World Business Solutions Ltd are supplied for general information only and do not form part of these Terms unless expressly incorporated into a written agreement signed by both parties.
 

26.4 Variations

No amendment, variation or modification of these Terms shall be effective unless:
 
  • It is made in accordance with Section 23 (Changes to These Terms and Services); or
  • It is agreed in writing by authorised representatives of both parties.
For the avoidance of doubt, no verbal agreement or informal communication shall vary these Terms.
 

26.5 Purchase Orders and Customer Terms

Any purchase order, procurement document or standard terms and conditions issued by the Customer shall not amend, replace or prevail over these Terms unless M World Business Solutions Ltd expressly agrees to such terms in writing.
 
Where there is any inconsistency between these Terms and any Customer purchase order or similar document, these Terms shall prevail unless expressly agreed otherwise in writing.
 

26.6 Independent Advice

Each party acknowledges that it has had the opportunity to obtain independent legal, financial and professional advice before entering into these Terms and has entered into them freely and voluntarily.
 

26.7 Severable Documents

Where a separate written agreement, Statement of Work, Order Form or Service Level Agreement has been executed between the parties, that document shall apply only to the specific Services identified within it.
 
In the event of any inconsistency between these Terms and a separately executed agreement, the provisions of the separate agreement shall prevail solely in relation to the relevant Services, unless expressly stated otherwise.
 

26.8 Survival

This section shall survive the termination or expiry of these Terms to the extent necessary to preserve the rights and obligations arising under the entire agreement between the parties.
 

27. Severability

27.1 Validity of Remaining Provisions

If any provision, or part of a provision, of these Terms is found by any court or other competent authority to be invalid, illegal or unenforceable, that provision shall, to the extent required, be deemed modified or severed from these Terms.
 
The validity, legality and enforceability of the remaining provisions shall not be affected and shall continue in full force and effect.
 

27.2 Modification to Preserve Effect

Where it is possible to modify an invalid, illegal or unenforceable provision so that it becomes valid and enforceable while preserving its original commercial purpose, that provision shall be interpreted or modified to the minimum extent necessary to make it enforceable.
 

27.3 Partial Invalidity

If only part of a provision is found to be invalid, illegal or unenforceable, the remaining part of that provision shall continue to apply to the fullest extent permitted by applicable law.
 

27.4 Essential Purpose

The parties acknowledge that these Terms have been negotiated as a whole and that the invalidity or unenforceability of any individual provision shall not affect the essential purpose or commercial intent of the remaining provisions.
 

27.5 Replacement Provision

Where a provision is found to be invalid, illegal or unenforceable and cannot reasonably be modified under Section 27.2, the parties shall, where necessary, replace that provision with a lawful provision that most closely reflects the original legal and commercial intention of the parties.
 

27.6 Consumer Rights

Nothing in this section affects any statutory rights or protections available to consumers that cannot lawfully be excluded or restricted under applicable law.
 

27.7 Survival

This section shall survive the termination or expiry of these Terms to the extent necessary to preserve the continuing validity and enforceability of the remaining provisions.
 

28. Waiver

28.1 No Waiver

No failure or delay by either party in exercising any right, power, remedy or privilege under these Terms or by law shall operate as a waiver of that right, power, remedy or privilege.
 
Any single or partial exercise of a right or remedy shall not prevent any further or subsequent exercise of that or any other right or remedy.
 

28.2 Written Waivers Only

Any waiver of a provision of these Terms shall only be effective if it is made expressly in writing and signed or otherwise authorised by the party granting the waiver.
 
A waiver shall apply only to the specific matter and circumstances for which it is given and shall not constitute a continuing or general waiver.
 

28.3 Continuing Rights

The rights and remedies provided under these Terms are cumulative and are in addition to any rights or remedies available under applicable law.
 
The exercise of one right or remedy does not prevent either party from exercising any other right or remedy available to it.
 

28.4 Acceptance of Performance

The acceptance of any payment, continued use of the Services, or failure to object to any act or omission shall not be interpreted as:
 
  • Acceptance of a breach of these Terms.
  • Approval of any non-compliant conduct.
  • A waiver of any existing or future rights.
  • Agreement to vary these Terms.

28.5 Delay in Enforcement

A delay in enforcing any provision of these Terms shall not affect the validity of that provision or the ability of either party to enforce it at a later date.
 

28.6 Reservation of Rights

M World Business Solutions Ltd expressly reserves all rights, powers and remedies available under these Terms, at law and in equity.
 
No course of dealing, custom or practice between the parties shall be construed as limiting or modifying those rights unless expressly agreed in writing.
 

28.7 Consumer Rights

Nothing in this section affects any statutory rights or remedies available to consumers that cannot lawfully be excluded or restricted.
 

28.8 Survival

This section shall survive the termination or expiry of these Terms to the extent necessary to preserve any rights, remedies or obligations that arose before termination or continue after termination.
 

29. Third Party Rights

29.1 No Third-Party Rights

Unless expressly stated otherwise in these Terms, a person or entity who is not a party to these Terms shall have no right to enforce any provision of these Terms under the Contracts (Rights of Third Parties) Act 1999 or otherwise.
 

29.2 Third-Party Providers

The use of Third-Party Providers in connection with the Services, including payment processors, financial institutions, software providers, cloud hosting providers, insurers or other service providers, does not make those providers parties to these Terms.
 
Nothing in these Terms creates any contractual relationship between you and any Third-Party Provider unless you enter into a separate agreement directly with that provider.
 

29.3 Affiliates and Successors

Nothing in this section prevents M World Business Solutions Ltd from assigning or transferring its rights or obligations in accordance with Section 25 (Assignment and Transfer).
 
Any permitted successor or assignee of M World Business Solutions Ltd shall be entitled to enforce these Terms as if it were an original party to them.
 

29.4 Rights of Employees and Representatives

Nothing in these Terms confers any enforceable contractual rights upon any employee, director, consultant, contractor, agent or representative of either party in their personal capacity.
 
This does not affect the ability of M World Business Solutions Ltd to rely upon or enforce any limitation of liability, indemnity or other protection expressed to apply for the benefit of its employees, directors, officers, agents, contractors or subcontractors.
 

29.5 Amendments and Termination

The parties may amend, vary, replace or terminate these Terms at any time without the consent of any person who is not a party to these Terms, notwithstanding any rights that such person might otherwise have had under the Contracts (Rights of Third Parties) Act 1999.
 

29.6 Statutory Rights

Nothing in this section affects any rights or remedies that arise under applicable law where those rights cannot lawfully be excluded or restricted.
 

29.7 Survival

This section shall survive the termination or expiry of these Terms to the extent necessary to preserve the rights and protections intended to continue beyond termination.
 

30. Governing Law and Jurisdiction

30.1 Governing Law

These Terms, and any dispute, claim or non-contractual obligation arising out of or in connection with them or the Services, shall be governed by and construed in accordance with the laws of England and Wales.
 

30.2 Jurisdiction

Subject to Section 30.3, the courts of England and Wales shall have exclusive jurisdiction to hear and determine any dispute, claim or proceeding arising out of or in connection with these Terms or the Services, including any dispute relating to their existence, validity, interpretation, performance, breach or termination.
 

30.3 Good Faith Resolution

Before commencing formal legal proceedings, the parties agree to use reasonable endeavours to resolve any dispute through good faith discussions.
 
Either party may notify the other in writing of a dispute, setting out the nature of the issue and the outcome sought. The parties shall endeavour to resolve the dispute promptly through discussions between appropriately authorised representatives.
 
Nothing in this section prevents either party from seeking urgent interim or injunctive relief from a court of competent jurisdiction where necessary to protect its legal rights or interests.
 

30.4 Alternative Dispute Resolution

Where appropriate and by mutual agreement, the parties may seek to resolve a dispute through mediation or another recognised form of alternative dispute resolution before commencing court proceedings.
 
Participation in any alternative dispute resolution process shall be voluntary unless otherwise required by applicable law.
 

30.5 Consumer Rights

If you are a consumer, nothing in these Terms affects any statutory rights you may have under applicable consumer protection legislation, including any right to bring proceedings before a court that has jurisdiction under such legislation.
 

30.6 Compliance with Court Orders

Nothing in these Terms prevents M World Business Solutions Ltd from complying with any lawful court order, regulatory direction or legal obligation imposed by a competent authority.
 

30.7 Survival

This section shall survive the termination, expiry or cancellation of these Terms and shall continue to apply to any dispute or claim arising out of or in connection with these Terms or the Services.
 

31. Acquiring Partners, MWBS Technology, Resilience and Business Continuity

Where you enter into, sign or electronically accept a Payment Processing Services Agreement with M World Business Solutions Ltd (“MWBS”), that agreement governs the provision of the relevant payment processing hardware, software, technology and associated services (the “Payment Processing Agreement”).

The payment processing services provided or arranged by MWBS may incorporate, connect to, operate through or be supported by software, systems, integrations, hardware and technology owned, operated, licensed or controlled by MWBS (“MWBS Technology”). MWBS works with multiple acquiring banks, payment service providers, processors and other payment partners (together, “Acquirers”) which may be integrated with or supported by MWBS Technology.

By signing or electronically accepting a Payment Processing Agreement, you expressly acknowledge, agree and authorise MWBS to work with one or more Acquirers in connection with the provision, operation, support, resilience and continuity of your payment processing services and to exercise the rights described in this clause.

31.1 Multiple and Alternative Acquirers

As part of the services provided or arranged by MWBS, MWBS may seek to reduce dependency on any single Acquirer and may identify, introduce, recommend, arrange, establish, facilitate or maintain a primary, secondary, additional, replacement or alternative Acquirer.

This may be undertaken for purposes including operational resilience, business continuity, contingency planning, disaster recovery, maintaining the availability of payment processing services and reducing the risk or impact of interruption to those services.
MWBS may exercise these rights where, amongst other circumstances:

  • an existing or proposed Acquirer is unable or unwilling to provide or continue providing services;
  • an Acquirer suspends, restricts or terminates services;
  • an Acquirer experiences an outage, interruption or degradation of service;
  • an Acquirer changes its underwriting criteria, risk appetite, regulatory requirements, commercial terms, technical requirements or service availability;
  • MWBS ceases, or intends to cease, working with, supporting, integrating with or referring business to a particular Acquirer;
  • the commercial, contractual, technical or operational relationship between MWBS and an Acquirer terminates, is suspended or materially changes;
  • an Acquirer ceases to be integrated with, supported by or available through MWBS Technology; or
  • MWBS reasonably considers that an alternative or additional Acquirer would improve the resilience, continuity, security, performance or suitability of your payment processing arrangements.

31.2 Authority Granted by Signing the Payment Processing Agreement

By signing or electronically accepting the Payment Processing Agreement, you expressly authorise MWBS to take reasonable steps to identify, introduce, recommend, arrange or facilitate an alternative or additional Acquirer without requiring MWBS to obtain a further authority from you merely to commence that process.

This authority includes taking reasonable preparatory steps before an existing acquiring arrangement ends where MWBS reasonably considers this necessary or appropriate to reduce dependency on a single Acquirer, maintain operational resilience, establish business continuity or disaster recovery arrangements, or minimise the risk of disruption to your payment processing services.

For these purposes, you expressly authorise MWBS to use information already provided by or on behalf of you and, where reasonably necessary, to disclose or submit relevant merchant, business, trading, transaction, application and associated information to one or more existing or prospective Acquirers for purposes including assessment, underwriting, identity and business verification, fraud prevention, anti-money laundering and other compliance checks, onboarding and the establishment or maintenance of acquiring services.

This authority includes providing relevant information to a prospective alternative or additional Acquirer before your existing acquiring arrangement has ended where MWBS reasonably considers this appropriate to facilitate continuity of service.

Where the relevant acquiring services are supported by MWBS Technology, MWBS may also use its technology, systems and integrations to facilitate the technical implementation, connection or transition to an alternative or additional Acquirer.

31.3 Acquirer Approval

The authority granted to MWBS under this clause does not guarantee that an Acquirer will accept or provide services to you. Any primary, secondary, replacement or alternative acquiring arrangement remains subject to the relevant Acquirer’s underwriting, approval, regulatory and compliance requirements and applicable contractual terms.

You may therefore be required to provide additional information, complete further verification or enter into separate terms or agreements with the relevant Acquirer before acquiring services can commence.

Nothing in these Terms guarantees uninterrupted payment processing or acceptance by any particular Acquirer.

31.4 Personal Data

Where information processed or shared under this clause constitutes personal data, MWBS will process that information in accordance with applicable data protection law and the MWBS Privacy Policy.

The authority granted under the Payment Processing Agreement to arrange or facilitate acquiring services is separate from, and does not remove or limit, MWBS’s obligations under applicable data protection law.

32. Contact Information

32.1 Company Details

These Terms are issued by M World Business Solutions Ltd, a company incorporated in England and Wales.
 
Unless otherwise stated, all references in these Terms to “M World Business Solutions Ltd”, “we”, “us” or “our” refer to M World Business Solutions Ltd.
 

32.2 Contact Details

If you have any questions about these Terms, our Services, or wish to contact us for any reason, you may do so using the following details:
 
M World Business Solutions Ltd
Registered Office: Unit 3 Green Farm, Abbots Ripton, Huntingdon, Cambs
Company Number: 11214260
Email: [email protected]
Telephone: 01487 808990
Website: www.mwbsolutions.co.uk
 

32.3 Legal Notices

Formal legal notices relating to these Terms should be submitted in accordance with Section 24 (Notices).
 

32.4 Complaints

If you are dissatisfied with any aspect of our Services, we encourage you to contact us in the first instance so that we have the opportunity to investigate and resolve your concerns promptly and fairly.
 
Complaints may be submitted using the contact details provided above.
 
Where applicable, we will acknowledge your complaint within a reasonable period and aim to resolve it as efficiently as reasonably practicable.
 

32.5 Regulatory Enquiries

Where any of our Services are subject to regulation or provided through regulated Third-Party Providers, enquiries relating to those services may also be directed to the relevant provider or regulatory body where appropriate.
 

32.6 Accessibility

If you require these Terms or any related documentation in an alternative format due to a disability or accessibility requirement, please contact us using the details above and we will use reasonable endeavours to accommodate your request.
 

32.7 Effective Date

These Terms and Conditions are effective from 01/01/2026 and remain in force until amended or replaced in accordance with Section 23 (Changes to These Terms and Services).

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