Terms of Service

1. Agreement

These Terms of Service ("Terms") govern your use of the Payments by iAntz platform and related services ("Services") provided by IANTZ LIMITED ("we", "us", "our"), company number 13777598, registered in England and Wales at 3 Princes Court, Royal Way, Loughborough, Leicestershire, LE11 5XR.

By accessing or using our Services, you agree to these Terms and our Privacy Policy. If you are using the Services on behalf of a school or organisation, you represent that you have authority to bind that entity.

These Terms apply to school staff users, parents/guardians, and visitors to our website. Specific terms may also be set out in a separate contract between your school and iAntz.

2. Eligibility and Account Registration

You must be at least 18 years old and have the legal capacity to enter into these Terms. Schools must be duly authorised to use our Services and to collect payments from parents/guardians.

You must provide accurate, current, and complete information when registering. You are responsible for maintaining the security of your account credentials and for all activity under your account. Notify us immediately at hello@iantz.com if you suspect unauthorised access.

We may refuse or suspend accounts where we have reasonable grounds to do so, including for compliance, fraud prevention, or sanction screening purposes.

3. Use of the Services

You agree to use the Services only for lawful purposes, in accordance with these Terms and any applicable contract. You must not:

• Use the Services for any illegal purpose or in violation of applicable law (including UK GDPR, payment card industry requirements, anti-money laundering, or sanctions)
• Process payments that are not related to legitimate school activities (e.g., fees, trips, meals, clubs)
• Attempt to gain unauthorised access to our systems, other accounts, or data
• Interfere with or disrupt the Services or our infrastructure
• Use the Services to transmit malware, spam, or harmful content
• Resell or sublicense the Services without our written consent

Schools are responsible for ensuring that parent/guardian data and student data are provided to us in accordance with applicable data protection law and that they have appropriate consent or another lawful basis for sharing such data with us.

4. Payments, Fees, and Refunds

School fees: Fees payable by schools are set out in your contract or on our Pricing page. We will invoice you in accordance with the agreed terms.

Parent payments: Payments made by parents/guardians through our platform are processed by our PCI-DSS compliant payment processor. Card details are not stored by us. Refunds are handled in accordance with our refund policy and applicable payment scheme rules.

Chargebacks: In the event of a chargeback or dispute, we will cooperate with the payment processor and provide relevant information. Schools may be liable for chargebacks arising from transactions processed through their account where the chargeback is not due to our error.

Late payment: Late payment of fees may attract interest and we may suspend Services until payment is received.

5. Service Availability and Changes

We aim to keep the Services available but do not guarantee uninterrupted access. We may perform maintenance, modify, suspend, or discontinue features with reasonable notice where practicable. In emergencies, we may act without prior notice to protect security or stability.

Material changes to these Terms will be communicated via the platform, email, or website. Continued use of the Services after changes constitutes acceptance of the updated Terms. If you do not agree, you may close your account and cease use.

We may update our Privacy Policy from time to time; material changes will be communicated as described in that policy.

6. Intellectual Property

We own or license all intellectual property rights in the Services, including the platform, software, design, and branding. You may not copy, modify, reverse engineer, or create derivative works without our written consent. You retain ownership of data you provide; we process it in accordance with our Privacy Policy and Data Processing Agreement (where applicable).

We may use anonymised or aggregated data to improve our services, in line with our Privacy Policy.

7. Limitation of Liability

To the fullest extent permitted by law:

• The Services are provided "as is". We do not warrant that they will be error-free or uninterrupted.
• We are not liable for indirect, consequential, or special losses (including loss of profit, data, or goodwill) arising from your use of the Services.
• Our total liability for any claim arising from these Terms or the Services shall not exceed the fees paid by you (or your school) in the 12 months preceding the claim, or £1,000, whichever is greater.

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

Parents/guardians: Our liability in connection with payments is subject to the Payment Services Regulations 2017 and your rights under those regulations.

8. Indemnification

You agree to indemnify and hold us harmless from any claims, losses, or expenses (including reasonable legal fees) arising from your breach of these Terms, your use of the Services, or your violation of any law or third-party rights. This does not apply where the claim arises from our negligence or breach.

9. Termination

You may close your account at any time by contacting us. We may suspend or terminate your access if you breach these Terms, for compliance reasons, or where we cease to offer the Services. We will give reasonable notice where practicable.

On termination, your right to use the Services ceases. We will retain and delete data in accordance with our Privacy Policy and data retention obligations. Provisions that by their nature should survive (e.g., liability, indemnity, intellectual property) will survive termination.

Schools: Termination of your contract may be subject to the terms of your separate agreement with us.

10. Complaints

We take complaints seriously. If you have a complaint about our Services, please contact us at hello@iantz.com or compliance@iantz.com. We will acknowledge your complaint promptly and aim to respond within a reasonable time.

If you are not satisfied with our response, you may refer your complaint to the Financial Ombudsman Service (FOS) if you are eligible. Details are available at financial-ombudsman.org.uk.

For data protection complaints, you have the right to lodge a complaint with the Information Commissioner's Office (ICO) – see our Privacy Policy.

11. General

Governing law: These Terms are governed by the laws of England and Wales. Disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Entire agreement: These Terms, together with our Privacy Policy and any separate contract, constitute the entire agreement between you and us regarding the Services.

Severability: If any provision is found to be unenforceable, the remaining provisions will continue in effect.

Waiver: Our failure to enforce any right does not waive that right.

Third parties: These Terms do not confer rights on any third party.

12. Contact

For questions about these Terms: hello@iantz.com

For privacy and data protection: compliance@iantz.com

Registered office: 3 Princes Court, Royal Way, Loughborough, Leicestershire, United Kingdom, LE11 5XR