1. About these terms
These terms apply when you visit or use the TapEP website. By continuing to use the site, you agree to use it lawfully and in accordance with these terms. Nothing on this website removes or limits rights that cannot lawfully be excluded under applicable consumer law.
2. Pre-launch status
TapEP is in development. Current concepts include verified merchant discovery, Merchant Payment Requests, Family Allowance and controlled spending, Emergency Pay, remote payment journeys and other safety-led payment experiences. These are pre-launch product directions and test-only foundations; features, designs, names, integrations, commercial arrangements and launch plans may change as technical, security, privacy, regulatory and payment-partner requirements are validated.
The website must not be understood as confirmation that TapEP is currently authorised by the Financial Conduct Authority, approved by a bank or card scheme, or available as a live payment service unless a future statement expressly says so and is factually correct at that time.
3. No live payment service through this website
This website is informational and pre-launch. Test product demonstrations or descriptions do not create a real payment, bank notification, child payment account, stored-value balance or live merchant settlement. The website does not accept customer deposits, hold customer money, initiate live bank payments, issue e-money, provide a live card-acceptance service or offer any other live regulated payment capability through the public website.
4. Information, not financial advice
Content on this site describes TapEP's product direction and development work. It is general information only and is not financial, legal, investment or regulatory advice to visitors.
5. Acceptable use
You must not misuse the site, attempt to gain unauthorised access, interfere with its operation, introduce malicious code, scrape it in a way that causes unreasonable load, impersonate another person or use the site for unlawful or fraudulent purposes.
6. Early-access and business enquiries
If you submit an early-access or business-interest enquiry, please provide accurate information and do not include card numbers, bank passwords, security codes or other payment credentials. A submission does not create a customer account, guarantee access to a future service or form a payment-service contract.
7. Intellectual property
The TapEP name, branding, website content, product concepts, designs and other materials on this site may be protected by intellectual-property rights. You may view the site for personal or legitimate business evaluation, but you must not copy, reproduce or commercially exploit protected TapEP material except where the law allows it or you have written permission.
8. Third-party services and links
The site may refer to third-party providers, payment infrastructure or external websites. Those providers operate under their own terms and privacy arrangements. A reference does not mean that a third party has approved or endorsed TapEP unless expressly stated.
9. Availability and accuracy
We aim to keep the website available and its information accurate, but a pre-launch site may be updated, suspended or changed without notice. We do not promise that every concept described will become a production feature.
10. Liability
Nothing in these terms excludes or limits liability where doing so would be unlawful, including liability for fraud or fraudulent misrepresentation. Subject to those mandatory protections, TapEP is not responsible for losses caused solely by relying on speculative pre-launch feature descriptions as though they were a currently available payment service.
11. Privacy
Personal information submitted through this website is handled as described in the TapEP Privacy Notice. Do not send payment credentials through website enquiry forms.
12. Changes to these terms
These terms may be updated as the project develops. The date at the top will show the latest revision. Before any live customer or merchant payment service launches, TapEP will need separate service-specific contractual terms appropriate to the final regulated model.
13. Governing law
These website terms are governed by the laws of England and Wales, subject to any mandatory rights that apply to you under the law of your place of residence.