By using Skoot’s service and/or by clicking to accept these terms, you agree to be
bound by these Terms of Us

1. Introduction

1.1.Skoot enables private buyers and sellers of vehicles to verify their
documentation and to send or receive funds (as the case may be) via the
Skoot platform which is found at www.skootpay.co.uk (“our Site”).
1.2.The service is provided by Skoot Payment Services Ltd, a company
registered in England and Wales with registration 16126012 trading as Skoot
(“Skoot”, “we”, “our”, or “us”).
1.3.If you experience any issues with Skoot or our service, or have any questions
about these terms, please contact us at info@skootpay.co.uk.


2. Eligibility

2.1.To use Skoot you must:
a. be a UK resident;
b. be aged 18 or over;
c. hold a valid form of photographic ID issued by the UK Government;
d. have a UK bank account to which any funds will be sent or received (as
the case may be);
e. be transacting in your own capacity and not on behalf of any other person;
f. have the legal right to sell or purchase a car in the UK; and
g. agree that you will use Skoot to send and receive funds between buyer
and seller. No other payment options can be used with Skoot. We do not
accept any liability or responsibility for other payment methods including,
but not limited to, cash, cheques, direct bank transfers, etc.
h. agree to use the provided Sales and Purchase Agreement (“SPA”, or
“sales contract”) as in Annex 1 to complete the transaction.


3. Fair Use Policy

3.1.Skoot is intended for buyers and sellers who are purchasing or selling a
vehicle for private domestic purposes.
3.2.You must only use Skoot for private domestic purposes and not for business
purposes.
3.3.You must not use Skoot more than twice in a twelve-month period as a buyer.
3.4.You must not use Skoot more than twice in a twelve-month period as a seller.
3.5.In addition to this Fair Use Policy, we reserve the right to otherwise limit your
use of Skoot as we deem reasonably necessary to meet our legal or
regulatory requirements.
3.6.You may only use Skoot for the sole purpose of buying or selling a vehicle.


4. Steps of a Transaction

The transaction on our Site involves the following steps:
4.1.The buyer and the seller must meet the eligibility criteria (Clause 2);
4.2.Either a buyer or a seller must create a user profile and initiate a transaction
by providing the vehicle registration number, vehicle model, the agreed price
of the vehicle and the contact details of the other party to invite them to the
transaction.
4.3.If the transaction invitation is accepted, the receiving party must create a user
profile (if they don’t have one) and provide photographic ID (clause 7) and
their bank details (clause 8) to be verified and the buyer should create their
Skoot wallet (clause 9);
4.4.The buyer may upload funds their Skoot wallet (clause 10) and on doing so
the seller will be notified;
4.5.The buyer and the seller may agree to the transaction and sign the contract
(clause 12);
4.6.On signing, the funds held in the Skoot wallet will be automatically released
to the seller; and
4.7.The buyer and the seller will perform the necessary actions to complete the
transaction.


5. Prohibited Activities

5.1.Without prejudice to Clause 3 above (Fair Use), you must not use Skoot:
a. For any unlawful purpose, or to further any illegal activity;
b. To engage in fraud, theft, money laundering or other illegal activities;
c. To transmit any information or material which is incorrect, misleading or
deceptive;
d. To transmit any racist, sexist, defamatory, infringing, obscene, abusive,
indecent or unlawful information or any material reasonably deemed by us
to be inappropriate;
e. To transmit spam;
f. To post or upload files that contain viruses, corrupted files, worms, defects
or any other similar software or programmes that may damage the
operation of another user’s computer or operating system or damage any
other system.
g. In a manner that we reasonably consider may negatively impact our
reputation.
h. In a repetitive or excessive manner such as, but without being limited to, a
denial of service attack which would threaten the integrity the use by
others of our service.


6. Suspension or Termination of your access

6.1.We reserve the right to suspend or terminate your access to our Site, or parts
of our Site where:
a. You no longer meet the Eligibility requires as described in Clause 2;
b. You do not adhere to the Fair Use Policy as described in clause 3;
c. You are using or have used our Site for a purpose described in clause 5
Prohibited activities;
d. You are not complying or have not complied with the Terms;
e. You are subject to sanctions imposed by a nation state, regulator or other
official sanctioning body;
f. Your use of our Site has resulted in a breach of applicable law, or commit,
aid, abet or precure an unlawful act;
g. You do not pass our identification and/or compliance checks as required
under the applicable regulations;
h. Your circumstances change in such a way that you no longer pass our
identification and/or compliance checks as required under the applicable
regulations; or
i. Your circumstances or actions mean that you no longer comply with our
Anti-Money Laundering parameters, or we deem, at our sole discretion,
that you are a high-risk user.
Subject to applicable laws, where we terminate your access to Skoot, we will refund
any funds held with us in accordance to clause 11 (removing funds from a Skoot
wallet)


7. Identity Verification & Your Information

We aim to provide a secure and transparent service which requires carrying out
identity checks to all users to verify their details. Additionally, we are required by
applicable laws and regulations to carry out identity checks prior to you sending
or receiving funds.
7.1.You agree that we, or our nominated partner, may verify your identity and
identity documents in accordance with this clause.
7.2.By creating a user profile on our Site, you agree that we may submit your
information and identity documents to a third party to perform these checks.
7.3.In order to identify yourself, you will need to provide the type of identity
documentation as specified by us from time to time such as a UK passport or
UK driving licence.
7.4.Providing false or misleading information may constitute a criminal offence.
7.5.We may request additional information or documentation from you that is
reasonably needed to verify your identity documentation. Where you fail to
provide such information or document in a timely manner, we may refuse to
provide you access to our Site.
7.6.If you do not wish for your details or identity to be verified by us or a
nominated third party then do not create a user profile with us and do not
continue to use our Site.
7.7.Where you participate in the identity verification process, you represent and
warrant that:
a. You are submitting your own details;
b. You are acting in your own capacity, and not on behalf of another person;
and
c. The information you provide is accurate, correct and up to date.
7.8.During the verification process, we will request personal information from you
including your name, address, date of birth, bank details and information
about your identification documents.
7.9.You acknowledge and agree that:
a. The personal information you provide to us will be used by us or our
nominated third-party provider for the purpose of seeking to verify your
identity which may include making an information match request to
relevant official bodies and will be handled in accordance with our Privacy
Policy;
b. The information match request and associated data including our access
to use of document and identity verification services may involve the use
of third-party systems, services or providers; and
c. The name and address you supply may be provided to the counterparty to
the vehicle transaction.
d. The name and address you supply will be included in the sales contract as
the details of the relevant party.
7.10. You acknowledge and agree that the identity verification process is
done by a third party, and we do not represent nor warrant the results of the
identity check.
7.11. As a seller, you acknowledge and agree that your vehicle’s registration
number will be provided to perform a DVLA search, the results of which will
be provided to the buyer and will populate the sales contract.


8. Bank Account Verification

8.1.As a registered Seller, you must nominate a bank account for funds from the
sale of the vehicle to be deposited by us.
8.2.As a registered Buyer, you must nominate a bank account from which funds
for the purchase of the car will be sent.
8.3.You agree and accept that only nominated bank accounts as regulated by
this clause can be used to send or receive funds to or from Skoot. No funds
will be accepted or sent that are not from or to a nominated account.
8.4.Where a bank account is nominated either as a buyer or a seller, you
represent and warrant that the bank account:
a. Is owned by you;
b. Is in your name which is the same name as you provided for the identity
verification;
c. Details are accurate and up-to-date; and
d. Is held at a UK authorised and regulated bank as recognised by the
Financial Conduct Authority.
8.5.We may perform a Confirmation of Payee (CoP) check to verify your
ownership and the details of the account.


9. Skoot wallet (Buyer only)

As a buyer, to complete and pay for a transaction you must upload the required
funds to your Skoot wallet.
9.1.The Skoot wallet is provided by Griffin Bank Ltd (”Griffin”). Griffin is a
company registered in England and Wales (No. 10842931). Griffin is
authorised by the Prudential Regulation Authority (PRA) and regulated by the
PRA and the Financial Conduct Authority (FCA). Griffin’s firm reference
number is 970920.
9.2.Eligible deposits in the Skoot wallet of up to £85,000 per depositor are
covered by the Financial Services Compensation Scheme (FSCS), the UK’s
deposit guarantee scheme. Visit Griffin’s website to learn more about deposit
protection.
9.3.For more details of the FSCS and how eligible deposits are protected please
read this leaflet and the FSCS information sheet.
9.4.We will generate a unique Skoot wallet for each transaction for you to deposit
funds.
9.5.The details of your unique Skoot wallet will be shown in your profile details
and funds can be added as per clause 10.
9.6.The Skoot wallet will be administered solely by Skoot for the purposes of
either completing a transaction or returning funds to the buyer as described
within these terms.
9.7.Funds stored in a Skoot wallet can only be used for the sole purpose of
paying the seller for the vehicle as per the agreed transaction and the
applicable Skoot fee or returning unused fonds back to the buyer.
9.8.Funds in a Skoot wallet cannot be used for any other purpose.
9.9.Skoot wallets are intended to keep funds for a short period of time. After a
period of 30 days we reserve the right to close the Skoot wallet and return the
funds as per clause 11.
9.10. The transfer of funds into or out of the Skoot wallet to is done using the
Faster Payments system. Typically, such transfers occur instantly however
we do not guarantee the length of time it will take as it may be affected by
factors outside our control.
9.11. We have no liability towards the buyer or the seller with regards the
length of time the transfer of funds takes or for any consequences of delays
or issues with the transfer.
9.12. We suggest that the buyer and the seller satisfy themselves they have
left enough time prior to the transaction for the Skoot wallet to be sufficiently
funded.


10.Adding funds to your Skoot wallet (Buyer only)

10.1. You can only add funds to your own Skoot wallet and only from the
nominated account you designated in the sign-up process. Funds received
from other accounts will be rejected.
10.2. By doing so you acknowledge and agree that:
a. It is your responsibility to ensure that you transfer funds to the correct
Skoot wallet using Faster Payments as communicated to you by us.
b. We are unable to recover payments made to an incorrect account.
c. The speed of transfer may be subject to factors outside our control (e.g.
your bank’s fraud and security controls, your daily banking limit, etc.)
which may delay the receipt of funds into your Skoot wallet;
d. You are responsible for ensuring the funds have cleared and are available
in your Skoot wallet on time;
e. Payments into a Skoot wallet can be made by Faster Payments and
usually occur within the same day, however we do not guarantee the
speed of any transfer to your Skoot wallet;
f. Any interest earned, if any, on the funds stored in your Skoot wallet will be
retained by us; and
g. By adding funds to a Skoot wallet, you represent and warrant that the
funds have not been derived from, or relate to, terrorism, money
laundering, or other illegal activities.
10.3. Funds can be added to your Skoot wallet in multiple transfers.
10.4. The balance of cleared funds in your Skoot wallet will be displayed on
your profile page.
10.5. For the purposes of the transaction, and to be considered “funded”, the
amount of funds uploaded to your Skoot wallet should at least equal the
agreed price of the vehicle AND the Skoot fee.
10.6. You will be unable to complete a transaction if your Skoot wallet is not
fully funded.
10.7. No other person or entity can add money to your Skoot wallet unless
you are using the option to pay for your private used car purchase with
finance in which case payments from a UK regulated finance company will be
permissible.


11.Removing funds from your Skoot wallet & Closing your Skoot wallet

11.1. Removal of funds from your Skoot wallet can be done via our Site on
the applicable transaction page and will be processed by the next working
day by way of Faster Payments.
11.2. You may remove your funds from a Skoot wallet at any time prior to the
signing of the sales contract.
11.3. You agree that we will only return funds to the same nominated
account from which the funds were sent.
11.4. Your Skoot wallet will be closed on the completion of the transaction or
the withdrawal of funds by the buyer, whichever is soonest.
11.5. Any funds remaining in the Skoot wallet at the time is it closed will be
automatically returned to the buyer to the same nominated account from
which the funds were sent.
11.6. Your Skoot wallet is not intended to hold funds for long periods of time
and we reserve the right to close the Skoot wallet after a period of 30
calendar days and return any remaining funds to the same nominated
account from which the funds were sent.


12.Selling and Buying Process
A transaction on our Site
involves the following steps.

12.1. Either a buyer or a seller must create a user profile and initiate a
transaction by providing the vehicle registration number, vehicle model, the
agreed price of the vehicle and the contact details of the other party to invite
them to the transaction.
12.2. The transaction invite will ask the other party to create a user profile
(unless they already have one) and to confirm the transaction details. The
seller will add the current mileage of the vehicle and any additional notes to
be included in the sales contract.
12.3. If both parties accept the transaction they will be asked to verify their
identities including photographic ID (see clause 7).
12.4. The seller will be asked to provide their bank details (see clause 8)
where the proceeds of the sale of the vehicle will be sent.
12.5. The buyer will be asked to create and fund a Skoot wallet (clause 9
and clause 10) with enough funds for the transaction including the Skoot fee.
12.6. Once the Skoot wallet is fully funded the seller will be notified and the
parties will receive a draft of the sales contract and should arrange to meet.
12.7. The buyer will be presented with the verified name and address of the
seller and the vehicle’s information obtained from the DLVA including the date
of issue of the V5C. This information must be manually verified against the
information on the V5C and the buyer must satisfy themselves that this and
the car match.
12.8. If both buyer and seller are satisfied, the seller must sign the sales
contract first followed by the buyer.
12.9. The sales contract is legally binding and once signed the buyer no
longer owns the funds in the Skoot wallet. This action cannot be paused or
reversed.
12.10. The amount specified in the sales contract will instantly be blocked by
Skoot for the benefit of the seller and will be transferred to them via Faster
Payments by the next working day less the seller’s Skoot fee.
12.11. Any remaining funds in the Skoot wallet once the amount specified in
the sales contract and the buyer’s Skoot fee have been paid will be
automatically refunded by the next working day.
12.12. The parties must complete the post-transaction actions:
a. The seller must inform the DVLA of the change of registered keeper and to
hand over the keys, the green New Keeper slip of the V5C and any
documentation relevant to the vehicle.
b. The buyer should receive the keys, the green New Keeper slip of the V5C
and any documentation relevant to the vehicle and then tax the car
ensuring they have adequate insurance in place.
12.13. The buyer and seller will receive via email a copy of the sales contract
and a receipt of the transaction for their records.
NOTE
 IT IS THE SOLE RESPONSIBILTY OF THE BUYER TO VERIFY THE
INFORMATION PROVIDED ON THE BASIS OF A REGISTRATION NUMBER
CHECK WITH THE DVLA WITH THE INFORMATION ON THE V5C (LOG
BOOK).
 ANY ERRORS IN THE INFORMATION OBTAINED FROM THE DVLA ARE
THE SOLE RESPONSIBILITY AND, IF THE CASE MAY BE, LIABILTY OF
THE DVLA.
 WE DO NOT REPRESENT OR WARRANT THAT THE INFORMATION HELD
BY THE DVLA IS UP TO DATE OR ACCURATE.
 SKOOT HAS NO LIABILTY TOWARDS THE BUYER OR THE SELLER WITH
REGARDS THE ACCURACY OF THE VEHCILE INFORMATION PROVIDED
AND ANY ERRORS OR DISCREPANCIES SHOULD BE COMMUNICATED
TO THE DVLA.
 SKOOT DOES NOT WARRANT THE ACCURACY OF THE VEHCILE
INFORMATION.
 SKOOT DOES NOT WARRANT THE ACCURACY OF THE V5C.
 SKOOT HAS NO LIABILTY OR RESPONSBILITY AS TO THE VEHICLE
BEING BOUGHT OR SOLD.
 THE BUYER AND THE SELLER AGREE TO HOLD SKOOT HARMLESS
FROM DAMAGE OR INCONVIENCE ANY INCORRECT INFORMATION MAY
CAUSE.


13.Sale and Purchase Agreement (“SPA”, or “sales contract”)

Both buyer and seller acknowledge and agree:
13.1. Either party may terminate the transaction at any point before the sales
contract is signed.
13.2. The sales contract is an agreement between the buyer and seller, we
are not a party to the sales contract.
13.3. They are free to vary or amend the sales contract by adding comments
in the comments section. This is at the sole discretion of the buyer and seller.
13.4. The sales contract is a legally binding contract.
13.5. Enforcement of the sales contract is wholly the responsibility of the
buyer or seller. We are not responsible for enforcement of nor mediation
between the parties.
13.6. The sales contract is provided as a general template and not as legal
advice.
13.7. We do not represent or warrant that the sales contract is accurate,
complete or suitable for your needs and it may need updating by adding
additional details.
13.8. You should consider seeking legal advice about the adequacy of the
sales contract.
13.9. We have no liability in relation to your use of the sales contract.
13.10. There are subsequent actions required following the sale for both buyer
and seller relating to updating the DVLA, insuring and taxing the vehicle and
exchange of documents.


14.Skoot Fee

14.1. The Skoot fee:
a. is payable by both buyer and seller.
b. is payable only when both parties sign the sales contract. If there is no
transaction there is no fee.
c. is a fixed fee as communicated on our Site that may change from time to
time.
14.2. The buyer pays the Skoot fee with the funds in their Skoot wallet. The
fee is due in addition to the amount due for the vehicle.
14.3. The seller pays the Skoot fee by way of receiving the proceeds of the
sale of their vehicle less the Skoot fee.
14.4. Additional Skoot services may attract additional fees which will be
advertised on our Site.
14.5. These additional services are payable only by the party that selected
them and payment will be taken in the same way as the Skoot fee.


15.Use of Skoot

In using our Site and agreeing to these Terms:
15.1. Nothing restricts or excludes any right or remedy in UK law that cannot
be restricted or excluded.
15.2. Subject to the clause 15.1, all implied terms, conditions, warranties and
guarantees which otherwise might apply to, or arise out of, these Terms are
excluded.
15.3. Subject to clause 15.1, Skoot is not liable for any indirect, special or
consequential loss, loss of profits, loss of anticipated savings, loss of use,
loss of reputation, loss of opportunity, loss of data or business interruption
suffered or incurred by you in connection with these Terms or your use of our
Site.
15.4. Subject to clause 15.1 and to the extent permitted in law, our maximum
cumulative liability for all loss, damage, liability and expense suffered or
incurred by you in connection with these Terms or your use of our Site,
whether under contract, statute, in tort (including negligence) or otherwise is
limited to 10 times the fee you paid to us.
15.5. You are responsible for your use of our Site and you will be liable
should we or a related third party suffers and loss or damage or incurs any
cost in connection with a breach by you of these Terms, including a breach of
warranty.
15.6. You acknowledge that we do not warrant that the information disclosed
by the seller to the buyer is accurate or complete and we have not verified
the accuracy or completeness of the vehicle and its description.
15.7. In using our Site the buyer acknowledges and agrees that:
a. It is their responsibility to undertake appropriate due diligence prior to
entering into an agreement with the seller to purchase the vehicle and that
the DVLA and ID check are not substitutes for a car history report.
b. They should undertake their own due diligence relating to the purchase of
the vehicle prior to signing the sales contract such as physically inspecting
the vehicle, obtaining an independent vehicle inspection, test drive the
vehicle and ensuring they are able to obtain insurance that takes effect
from the time they purchase the vehicle
c. They are solely responsible for verifying the seller’s information, the
vehicle’s information and the date of last issue of the V5C all match the
information shown on the V5C and that the vehicle matches the
description.
d. In signing the Sales and Purchase Agreement they are satisfied with the
terms and the relevant funds in the Skoot wallet will be automatically
transferred to the seller and Skoot.
15.8. In using our site the seller acknowledges and agrees that:
a. They are responsible for providing the transaction details which will be
included in the sales contract.
b. They will perform the required subsequent actions including with the DVLA
to inform them of the change of ownership of the vehicle.


16.General

16.1. In order to use our Site you will be required to provide certain personal
information such as your contact detail and identification details. We will
handle this personal information in accordance with these Terms and our
Privacy Policy which can be found on out Site.
16.2. We provide support via email and webchat/WhatsApp 9am to 5pm
Monday to Friday as a minimum.
16.3. We do not provide support about disputes between buyer and seller
regarding the vehicle or the sales contract which are solely a matter between
the buyer and the seller.
16.4. On termination or expiry of these terms any provisions of the Terms
which by their nature survive termination or expiry continue in full force and
effect.
16.5. You may delete your User Account at any time by contacting us via
email as info@skootpay.co.uk.
16.6. These terms are governed by the laws of the United Kingdom and any
disputes will be subject to the exclusive jurisdiction of the courts of England
and Wales.
16.7. These Terms including and additional terms and documents referenced
in this document contain the entire understanding between the parties.
16.8. If any part of these Terms is void, voidable, illegal or otherwise
unenforceable it may be severed, and the remaining provision of these terms
will remain in full force and effect.
16.9. A single or partial exercise or waiver by us of a right relating to these
Terms does not prevent any other exercise of that right or the exercise of any
other right.


Version 1: June 2025