CasaPay Tenant Terms & Conditions

Last Updated: May 31, 2026

Version: 2.2

Table of Contents

1. Introduction
2. Definitions
3. Eligibility & Account Registration
4. CasaPay ID, Tenant Wallet and No-Deposit Options
5. Verification and No-Deposit Eligibility
6. Tenant Score
7. No-Deposit Cover Service
8. Payment Infrastructure
9. CasaPay Split & Share
10. Fees & Payment Terms
11. Tenant Obligations
12. Operator Relationship
13. Consumer Rights & Cancellation
14. Data Protection & Privacy
15. Acceptable Use Policy
16. Intellectual Property
17. Service Modifications
18. Default, Collections & Credit Reporting
19. Account Suspension & Termination
20. Liability & Indemnification
21. Force Majeure
22. Dispute Resolution & Complaints
23. Governing Law & Jurisdiction
24. General Provisions
25. Contact Information

1. Introduction

1.1 About These Terms

These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("Tenant", "you", "your") and CasaPay governing your use of CasaPay tenant services, including CasaPay ID, Tenant Wallet, RentLink payment flows, optional no-deposit options, and related features ("Service" or "Services").

These Terms are tenant-facing only. Separate operator terms and commercial terms apply to property operators, landlords, letting agents, property managers, and other business users.

1.2 Service Providers

The Service is provided by:

For users in the United Kingdom:

• CasaPay Ltd
• Company Registration Number: 14806725
• Registered Address: 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom

For users in the European Union:

• CasaPay OÜ
• Registry Code: 16781169
• Registered Address: Harju maakond, Tallinn, Kesklinna linnaosa, Narva mnt 5, 10117, Estonia

(collectively "CasaPay", "we", "our", "us")

The entity providing services to you depends on your location and will be specified during registration.

1.3 Agreement to Terms

By creating a CasaPay account, accessing our platform, or using any Service, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Service.

1.4 Capacity to Contract

You represent and warrant that:

• You have the legal capacity to enter into binding contracts
• You meet the eligibility requirements in Section 3
• All information provided is accurate and complete
• You will comply with all applicable laws

1.5 Changes to Terms

We may modify these Terms from time to time. Material changes will be notified to you at least 30 days in advance via email or through the platform. Minor updates may be posted without prior notice. Continued use of the Service after changes take effect constitutes acceptance of the modified Terms.

2. Definitions

For the purposes of these Terms:

3. Eligibility & Account Registration

3.1 Eligibility Requirements

To use CasaPay, you must:

• Be at least 18 years old
• Have legal capacity to enter binding contracts
• Reside in a country where CasaPay services are available (currently UK and EU)
• Have a valid email address and phone number
• Have a valid payment method (bank account or payment card)
• Have the legal right to rent property in your country of residence

3.2 Verification Requirements for No-Deposit Option

To activate No-Deposit Option (optional deposit-free renting), you must complete identity and income verification. Below are the requirements for your applicant category:

Employed Applicants

Self-Employed Applicants

Student Applicants

3.3 Cosigner Requirements

A cosigner is required when the applicant's income is below 1.5x monthly rent. This applies to all applicant categories (employed, self-employed, and students).

When a cosigner is provided:

• CasaPay provides the financial guarantee to the Operator
• If the tenant defaults, CasaPay pays the Operator and recovers from the tenant
• If the tenant cannot repay, CasaPay may recover from the cosigner

Note: Applicants without sufficient income and without a qualifying cosigner may use the CasaPay ID / Tenant Wallet without No-Deposit Option, which requires them to provide security deposits or other collateral to their Operator.

3.4 Account Registration

During registration, you must provide accurate and complete information. You agree to:

• Provide truthful identity and financial information
• Update your information promptly if it changes
• Maintain the security of your account credentials
• Notify us immediately of any unauthorised access

3.5 One Account Per Person

Each individual may only maintain one active CasaPay account. Creating multiple accounts may result in suspension or termination of all accounts.

4. CasaPay ID, Tenant Wallet & No-Deposit Options

4.1 CasaPay ID and Tenant Wallet (Base Service - Free)

When you create a CasaPay tenant account, you may receive access to:

• CasaPay ID: Your reusable tenant profile for eligible CasaPay rent actions
• Tenant Wallet: Your account interface for viewing and managing Payment Requests, payment history, verification steps, and available options
• RentLink Payment Flows: Tenant-facing payment links or flows for rent, deposits, and tenancy-related payments
• Basic Payment Infrastructure: Free access to supported low-cost payment processing where available
• Protected Deposit Handling: Free deposit workflow and records where a cash deposit is required and supported by CasaPay
• Dispute Resolution: A 5-day window to dispute eligible charges with payment hold where applicable
• Tenant Score: Your payment-history score where available
• Split & Share Features: Ability to split payments into instalments or divide among co-payers, where available and subject to approval

Cost: Free to you for the base tenant account services listed above, unless a paid add-on or payment method fee is clearly shown before you choose it.

Operator Requirements: If you do not use an approved no-deposit option, your Operator may require upfront payment or collateral such as a security deposit, upfront rent payment(s), or other requirements set by your Operator. These are separate from any CasaPay fees.

4.2 No-Deposit Option (Optional Add-On)

A no-deposit option is an optional tenant add-on that may allow an eligible Tenant to move in without paying the full cash deposit upfront. It is available only where offered for the relevant property, accepted by the Operator, and approved by CasaPay.

A no-deposit option may provide:

• Deposit Alternative: A way to avoid paying the full cash deposit upfront where the option is available and approved
• Operator-Side Cover: Operator-side cover up to the approved Cover Amount, subject to the relevant terms and exclusions
• Tenant Reimbursement Obligation: You remain responsible for rent, damage, fees, and other tenancy-related amounts you owe. Any amounts paid or covered on your behalf may remain recoverable from you unless the relevant product terms state otherwise.
• Plan-Specific Payout Timing: Operator payout timing depends on the applicable operator product, plan, and commercial terms. These Tenant Terms do not promise universal due-date payout to Operators.

Cost: The current standard no-deposit pricing shown on CasaPay's tenant pricing page is 2% of the deposit amount per month. Pricing may vary by market, Operator arrangement, eligibility, discount, or product configuration. The applicable price will be shown before you choose a paid option.

Current tenant pricing is available at: https://casapay.com/tenant-pricing/

4.3 No-Deposit Eligibility & Requirements

To use a no-deposit option, you may need to:

1. Complete identity verification (Section 5.1)
2. Complete income or affordability verification where required (Section 5.1)
3. Meet applicable eligibility and creditworthiness requirements
4. Be approved for the relevant Cover Amount or no-deposit option
5. Accept the applicable paid option and any product-specific terms shown in the tenant flow

Verification typically completes within 1-3 business days. Manual review may be required for complex cases.

4.4 Choosing Your Preferred Deposit Status

You can start with either option where available:

Option A: Cash Deposit / Base Tenant Account

• Create a CasaPay ID / Tenant Wallet account
• No monthly CasaPay tenant account fee
• Your Operator may require a cash deposit, upfront rent, or other collateral
• You may be able to add a no-deposit option later if eligible and available for the property

Option B: No-Deposit Option

• Complete the required verification steps
• Receive the approved Cover Amount and pricing before choosing the option
• Pay the applicable monthly no-deposit fee only while the paid option is active
• Avoid paying the full cash deposit upfront where the option is approved and accepted by your Operator

5. Verification & No-Deposit Eligibility

5.1 Verification Levels

CasaPay offers two verification paths depending on your needs:

Basic Verification (CasaPay ID / Tenant Wallet Only)

To create a CasaPay ID / Tenant Wallet account without a paid no-deposit option, you need:

Identity Verification:

• Government-issued photo ID (passport, national ID, driving licence)
• Proof of address (utility bill, bank statement dated within 3 months)

This verification typically completes instantly or within 1 business day.

Full Verification (To Use a No-Deposit Option)

To use a no-deposit option, you may need to complete full verification including:

Identity Verification:

• Government-issued photo ID (passport, national ID, driving licence)
• Proof of address (utility bill, bank statement dated within 3 months)
• Selfie verification

Income Verification:

• Recent payslips (last 3 months) or employment contract
• Bank statements showing income (last 3 months)
• For self-employed: tax returns or accountant letter

Credit Assessment:

• UK or EU credit history check (soft check, does not affect credit score)

Full verification typically completes within 1-3 business days. Manual review may be required for complex cases.

5.2 Cover Amount Determination

Once you complete full verification, CasaPay may assign or approve a Cover Amount based on:

• Your verifiable monthly income
• Your credit history and payment behavior
• Your employment/business stability
• The Operator's requirements for the specific property

Your approved Cover Amount may be shown in your tenant flow or confirmation and may be adjusted:

• Upward: If your income increases or Tenant Score improves
• Downward: If your income decreases or you default on payments
• Upon Reactivation: Reassessed when coverage is reactivated for a new property

6. Tenant Score

6.1 Score Calculation

Your Tenant Score is a 5-star rating (0.0 to 5.0) based on payment timeliness:

6.2 Score Updates

Your overall Tenant Score is the average of your last 6 confirmed payments. The score updates automatically after each payment.

6.3 Score Impact

Your Tenant Score may influence:

• Cover Amount adjustments
• Split feature eligibility and terms
• Rental application outcomes (visible to Operators)
• Future plan eligibility

7. No-Deposit Cover Service

7.1 How the Guarantee Works

Under an approved no-deposit option, CasaPay or a relevant partner may cover eligible Operator-side amounts up to the approved Cover Amount, subject to the product terms, exclusions, and Operator commercial terms.

If CasaPay or a partner pays or covers an amount on your behalf, that amount may become your debt to CasaPay or the relevant partner unless the applicable product terms state otherwise. You must reimburse amounts due according to agreed terms.

7.2 Coverage

Included:

• Monthly rent payments
• Utility charges processed through CasaPay
• Reasonable cleaning costs at end of tenancy
• Minor repair costs (fair wear and tear excluded)

Excluded:

• Fines or penalties imposed by third parties
• Willful or malicious damage
• Charges not processed through CasaPay
• Amounts exceeding your approved Cover Amount
• Charges disputed and upheld in your favour

7.3 Reimbursement

All amounts CasaPay or a relevant partner pays or covers on your behalf may remain your personal debt unless the applicable product terms state otherwise. Failure to reimburse amounts due may result in collection action, credit reporting, and legal proceedings.

7.4 No-Deposit Option Activation

A paid no-deposit option is active only when it has been offered for the relevant property, you meet the required eligibility checks, the Operator accepts the relevant arrangement, and the applicable option is confirmed in your tenant flow or confirmation.

What counts as activation, the active period, the applicable fee, and any cancellation or deactivation route will be shown in the relevant no-deposit option or confirmation.

7.5 Deactivation / End of Cover

A no-deposit option may end when the relevant tenancy, property, Operator arrangement, or payment flow ends, or as otherwise stated in the product-specific terms shown to you.

Upon deactivation:

• No further monthly no-deposit charges will be applied after deactivation
• Your current billing period is not extended beyond the deactivation date
• If you have prepaid any unused portion of a monthly fee, the unused amount will be refunded or credited to your account within 10 business days unless the product-specific terms state otherwise
• Outstanding debts and reimbursement obligations remain due

Important: After deactivation, the no-deposit option no longer covers new Payment Requests or charges unless the relevant product terms state otherwise.

8. Payment Infrastructure

8.1 Payment Requests

Operators send Payment Requests to your unique CasaPay Alias. These appear in your Wallet where you can:

• Pay: Settle immediately
• Split: Convert to instalments (subject to approval)
• Share: Divide among co-payers
• Dispute: Challenge within the 5-day dispute window

8.2 Payment Methods

8.3 Payment Processing

• Payments are processed in GBP (UK) or EUR (EU)
• Exchange rates apply for cross-currency payments
• Operator payout timing depends on the applicable operator product, plan, and commercial terms

8.4 Dispute Process

Initiating a Dispute

You may dispute a Payment Request within 5 days of receipt by selecting the "Dispute" option in your CasaPay Wallet. You must provide supporting evidence such as:

• Photographic evidence (if disputing damage charges)
• Receipts or invoices (if disputing repair or service charges)
• Communications with your Operator about the disputed charge
• Bank statements or payment records (if disputing duplicate charges)
• Any other relevant documentation supporting your position

Automatic Payment Hold

Upon dispute initiation, CasaPay automatically places a hold on the disputed Payment Request. This means:

• The full amount is held and not deducted from your account pending resolution
• You are not required to pay the disputed amount during the review period
• The Operator does not receive payment for the disputed portion
• The hold continues until the dispute is resolved

Dispute Review & Resolution

CasaPay will:

1. Acknowledge your dispute within 3 business days
2. Review all evidence provided by you and the Operator within 10 business days
3. Notify you of the resolution outcome via email

Dispute Outcomes

Resolution may result in one of the following:

• Upheld: Dispute deemed valid; no payment required; amount is refunded if already paid
• Partially upheld: Portion of charge is deemed valid; hold released only for disputed portion; you pay the reduced amount
• Denied: Dispute deemed invalid; full amount is due; hold is released and payment is required

Appeal Process

If you disagree with the dispute resolution, you may appeal within 5 business days of notification by contacting support@casapay.com with additional evidence or reasoning. CasaPay will conduct a final review within 10 business days. The determination is binding.

Impact on Payment Status & Tenant Score

During dispute review, the disputed payment is not marked as late. Your Tenant Score is not affected by the dispute initiation. However, if the dispute is denied and you fail to pay within 7 days of notification, standard late payment fees apply per Section 10.3.

Special Rules for No-Deposit Option Holders

If you have an active no-deposit option:

• If the dispute is upheld, no payment is required for the upheld amount
• If the dispute is partially upheld, any cover applies only to the undisputed portion, subject to the applicable product terms
• If the dispute is denied and you do not pay within 7 days, late payment fees and recovery steps may apply

9. CasaPay Split & Share

9.1 CasaPay Split

Convert a single Payment Request into multiple instalments (up to 12 months).

Eligibility:

• Tenants with an eligible approved no-deposit option
• Acceptable Tenant Score (3.0+ stars)
• Within approved Cover Amount capacity

How it works:

1. Operator payout or cover depends on the applicable product, plan, and commercial terms
2. You repay CasaPay in agreed instalments
3. Interest/fees may apply based on term length

9.2 CasaPay Share

Divide a Payment Request among multiple co-payers (maximum 10 people).

How it works:

1. You invite co-payers via email
2. Each co-payer pays their portion directly
3. Operator receives payment once all portions are collected

Important: Under an approved no-deposit option, only your portion may be covered, subject to the applicable product terms. If co-payers default, you may become responsible for their portions.

10. Fees & Payment Terms

10.1 Service Fees

Current tenant pricing is available at: https://casapay.com/tenant-pricing/

10.1A No-Deposit Fee Billing & Cessation

Monthly Billing

No-deposit option fees are charged on a monthly basis unless the relevant tenant flow or product-specific terms state otherwise.

Fee Charges Continue Until Deactivation

You are charged the no-deposit fee for the period your no-deposit option is active, from activation date until deactivation date, subject to the product-specific terms shown to you.

Fee Cessation Upon Deactivation

Upon deactivation of your no-deposit option:

• No further monthly charges will be applied to your account after deactivation
• Your current billing period is not extended beyond the deactivation date
• If you have prepaid any unused portion of your monthly fee, the unused amount will be refunded or credited to your account within 10 business days unless the product-specific terms state otherwise

Fee Changes

CasaPay may increase paid option fees with 30 days' notice via email. You may cancel your plan within 30 days of fee increase notice without penalty.

10.2 Transaction Fees

• Open banking payments: Free where available
• Debit card payments: Free where available unless a fee is shown before payment
• Credit card / premium payment methods: Available only where supported; any applicable fee will be shown before payment

10.3 Late & Default Fees

10.4 Fee Changes

Fee increases require 30 days' notice. You may cancel within 30 days of notice without penalty if you do not accept the new fees.

11. Tenant Obligations

11.1 Your Responsibilities

You must:

• Provide accurate information and update it when circumstances change
• Reimburse CasaPay promptly for amounts paid on your behalf
• Maintain valid, funded payment methods
• Keep account credentials secure and confidential
• Use services only for legitimate tenancy-related purposes
• Comply with your tenancy agreement with the Operator
• Cooperate during disputes and investigations
• Respond to communications from CasaPay within reasonable timeframes

11.2 Consequences of Breach

Breach of these obligations may result in:

• Account suspension or termination
• Loss of no-deposit cover
• Reporting to credit reference agencies
• Collection action
• Legal proceedings

12. Operator Relationship

12.1 CasaPay's Role

CasaPay is not a party to your tenancy agreement. We do not:

• Negotiate lease terms or rental prices
• Manage properties or handle maintenance
• Guarantee Operator performance or property quality
• Mediate landlord-tenant disputes about the property

12.2 Operator Verification

Operators are verified before joining CasaPay. However, verification does not constitute an endorsement. You should conduct your own due diligence before entering any tenancy agreement.

12.3 Disputes with Operators

Disputes about tenancy terms, property conditions, or Operator conduct are between you and the Operator. CasaPay may assist with payment-related disputes only.

13. Consumer Rights & Cancellation

13.1 14-Day Cooling-Off Period

UK and EU consumers have the right to cancel within 14 days of registration without giving any reason. To exercise this right:

• Contact us at support@casapay.com
• State your intention to cancel
• Receive a full or pro-rata refund of any fees paid

13.2 Account Cancellation & Coverage Deactivation

Canceling Your CasaPay Account

You may cancel your CasaPay tenant account at any time with 30 days' notice. To do so, contact support@casapay.com.

If You Have an Active Paid No-Deposit Option:

• The option will continue until deactivation or the end of the applicable billing period, as shown in the product-specific terms
• Any unused prepaid portion of your monthly fee will be refunded or credited within 10 business days unless the product-specific terms state otherwise
• Outstanding debts to CasaPay or relevant partners must be reimbursed before closure

If You Have No Active Coverage:

• Your account closes immediately upon notice
• No fees apply after notice is received

Deactivating Coverage Without Canceling Your Account

You may also deactivate a paid no-deposit option while keeping your CasaPay tenant account active, subject to the relevant product-specific terms. When the paid option deactivates:

• Your monthly fee ceases after the deactivation date
• Any unused prepaid portion of your monthly fee is refunded or credited within 10 business days unless the product-specific terms state otherwise
• Your CasaPay ID / Tenant Wallet remains active and usable for supported payment processing
• You may apply for a no-deposit option for a future property where available

Outstanding Debts

Regardless of whether you cancel your account or deactivate a paid option, any amounts CasaPay or a relevant partner has paid or covered on your behalf remain due and payable until settled unless the applicable product terms state otherwise.

13.3 Statutory Rights

These Terms do not affect your statutory consumer rights under UK or EU law, including rights under the Consumer Rights Act 2015 (UK) or the Consumer Rights Directive (EU).

14. Data Protection & Privacy

14.1 Data We Collect

We collect and process:

• Identity information (name, date of birth, ID documents)
• Contact information (email, phone, address)
• Financial information (income, bank details, credit history)
• Verification data (selfies, proof of address)
• Usage data (platform interactions, payment history)
• Technical data (IP address, device information)

14.2 How We Use Your Data

We use your data to:

• Provide and improve our services
• Verify your identity and eligibility
• Process payments and manage your account
• Prevent fraud and ensure security
• Comply with legal and regulatory obligations
• Communicate with you about your account

14.3 Data Sharing

We may share your data with:

• Operators (for tenancy applications and payments)
• Payment processors and banking partners
• Credit reference agencies
• Risk, guarantee, or cover partners where applicable for an active product, and only as needed to provide or administer that product
• Collection agencies (when necessary)
• Legal authorities (when required by law)

14.4 Your Rights

Under GDPR and UK GDPR, you have the right to:

• Access your personal data
• Rectify inaccurate data
• Request erasure (right to be forgotten)
• Restrict processing
• Data portability
• Object to processing
• Withdraw consent

14.5 Privacy Policy

Full details of our data practices are available in our Privacy Policy. For data protection queries, contact: support@casapay.com

15. Acceptable Use Policy

15.1 Prohibited Activities

You must not:

• Provide false or misleading information
• Commit or attempt fraud
• Impersonate another person
• Use the service for money laundering or illegal purposes
• Circumvent payments owed to Operators or CasaPay
• Create multiple accounts
• Use automated tools or bots
• Interfere with platform security or functionality
• Harass CasaPay staff, Operators, or other users
• Violate any applicable laws or regulations

15.2 Enforcement

Violations may result in:

• Written warnings
• Temporary suspension
• Permanent termination
• Forfeiture of fees paid
• Reporting to law enforcement
• Civil or criminal legal action

16. Intellectual Property

16.1 CasaPay IP

All platform intellectual property, including trademarks, logos, software, content, and design, is owned by CasaPay or its licensors. You receive a limited, non-exclusive, non-transferable licence for personal use only.

16.2 User Content

You retain ownership of content you submit (e.g., documents, messages). By submitting content, you grant CasaPay a worldwide, royalty-free licence to use, store, and process it for providing services.

16.3 Feedback

Any feedback, suggestions, or ideas you provide may be used by CasaPay without compensation or attribution.

17. Service Modifications

17.1 Changes to Services

We may modify, update, or discontinue features:

• Material changes: 30 days' notice via email
• Minor changes: May be implemented without notice
• Security updates: Immediate implementation as needed

17.2 Your Rights on Changes

If changes materially reduce your benefits, you may cancel within 30 days of the change without penalty.

18. Default, Collections & Credit Reporting

18.1 Events of Default

Default occurs if you:

• Fail to reimburse CasaPay for amounts paid on your behalf
• Miss instalment payments under Split arrangements
• Fail to pay fees when due
• Become insolvent or enter bankruptcy
• Provide false or fraudulent information

18.2 Collection Process

18.3 Credit Reporting

We may report payment history (positive and negative) to credit reference agencies including:

• Experian
• Equifax
• TransUnion

18.4 Financial Hardship

If you experience financial hardship, contact us immediately at support@casapay.com. Payment plans and forbearance options may be available.

19. Account Suspension & Termination

19.1 Suspension by CasaPay

We may suspend your account immediately for:

• Breach of these Terms
• Suspected fraud or illegal activity
• Security compromise
• Non-payment of amounts due
• Legal or regulatory requirements

19.2 Termination by CasaPay

We may terminate your account:

• With cause: Immediately upon serious breach
• Without cause: With 30 days' notice

19.3 Termination by You

You may terminate with 30 days' notice after settling all outstanding debts.

19.4 Effects of Termination

Upon termination:

• Account access is closed
• CasaPay ID / Tenant Wallet is revoked
• Guarantee coverage ends (existing obligations continue)
• Outstanding debts remain due
• Wallet balance refunded minus any debts owed

20. Liability & Indemnification

20.1 Service Provided "As Is"

The Service is provided without warranties of any kind, except as required by law. CasaPay does not guarantee uninterrupted or error-free service.

20.2 Limitation of Liability

CasaPay is not liable for:

• Operator actions, property conditions, or tenancy disputes
• Third-party service failures
• Indirect, consequential, or incidental losses
• Loss of data, profits, or business opportunities

20.3 Consumer Protections

For consumers: We are liable for foreseeable losses caused by our breach or negligence. Nothing limits liability for:

• Death or personal injury caused by negligence
• Fraud or fraudulent misrepresentation
• Rights that cannot be excluded by law

20.4 Liability Cap (Business Users)

For business users: Total liability is capped at fees paid in the last 12 months, or £100/€100, whichever is greater.

20.5 Indemnification

You agree to indemnify CasaPay against claims arising from:

• Your breach of these Terms
• Your misuse of the Service
• Your violation of laws or third-party rights
• Inaccurate information you provide

21. Force Majeure

21.1 Definition

Neither party is liable for delays or failures caused by events beyond reasonable control, including:

• Natural disasters
• War, terrorism, or civil unrest
• Pandemics or epidemics
• Government actions or regulations
• Cyber attacks or system failures
• Utility or infrastructure failures

21.2 Extended Force Majeure

If a Force Majeure event continues for more than 60 days, either party may terminate without penalty.

22. Dispute Resolution & Complaints

22.1 Internal Complaints

First step: Contact us at support@casapay.com

• We aim to acknowledge within 3 business days
• We aim to resolve within 15 business days
• Complex cases may take up to 8 weeks

22.2 UK Consumers

If we cannot resolve your complaint, you may contact:

• Financial Ombudsman Service: www.financial-ombudsman.org.uk
• Citizens Advice: www.citizensadvice.org.uk

22.3 EU Consumers

If we cannot resolve your complaint, you may contact:

• Consumer Protection Authority (Estonia): www.ttja.ee
• Consumer Disputes Committee: www.komisjon.ee
• EU Online Dispute Resolution Platform: ec.europa.eu/odr

22.4 Business Users

Mediation and arbitration options are available. Contact legal@casapay.com for details.

23. Governing Law & Jurisdiction

23.1 UK Users

These Terms are governed by the laws of England and Wales. Disputes are subject to the exclusive jurisdiction of the courts of England and Wales, except that consumers may bring proceedings in their country of residence.

23.2 EU Users

These Terms are governed by the laws of Estonia. Disputes are subject to the exclusive jurisdiction of the courts of Estonia, except that consumers may bring proceedings in their country of residence.

23.3 Consumer Rights

Nothing in this section limits your statutory consumer rights or your ability to bring claims in your home jurisdiction.

24. General Provisions

24.1 Entire Agreement

These Terms, together with the Privacy Policy and Fee Schedule, constitute the entire agreement between you and CasaPay regarding the Service.

24.2 Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full force and effect.

24.3 Assignment

You may not assign or transfer these Terms. CasaPay may assign to affiliates or successors with notice to you.

24.4 Notices

Notices sent via email to your registered email address are deemed received 24 hours after sending. Notices to CasaPay should be sent to support@casapay.com.

24.5 Electronic Acceptance

Electronic acceptance of these Terms (including by clicking "I Agree" or using the Service) is legally binding.

24.6 Language

These Terms are provided in English. If translated, the English version prevails in case of conflict.

24.7 No Waiver

Failure to enforce any provision does not constitute a waiver of that provision or any other provision.

25. Contact Information

CasaPay Ltd (United Kingdom)

• Address: 71-75 Shelton Street, Covent Garden, London WC2H 9JQ, United Kingdom
• Company Number: 14806725
• Phone: +44 20 4579 5890
• Email: support@casapay.com

CasaPay OÜ (Estonia / European Union)

• Address: Narva mnt 5, 10117 Tallinn, Estonia
• Registry Code: 16781169
• Phone: +372 668 2648
• Email: support@casapay.com

General Enquiries

• Website: casapay.com
• Support: support@casapay.com
• Legal: legal@casapay.com

These Terms & Conditions are intended to reflect UK and EU consumer-protection requirements relevant to the tenant services described above. Nothing in these Terms should be read as a statement that every CasaPay product is regulated, insured, or available in every market.

© 2025 CasaPay. All rights reserved.