Last updated: 18.09.2026
These Terms govern the Tipd website at www.tipd.co, the web application at app.tipd.co, the Tipd mobile application and related payment and account services (the Services). Your agreement is with Black Bubble Solutions Ltd, trading as Tipd, registered in England and Wales under company number 09553653. Our registered office is 3rd Floor, 86–90 Paul Street, London, United Kingdom, EC2A 4NE. Our VAT number is GB211590931.
Everyone using Tipd must comply with the general conditions and permitted-use rules. A Payer makes a payment. A Recipient receives or is allocated a payment. An Administrator manages a Team or organisation's settings, membership or activity. One person can have more than one role; an Administrator may also be a Recipient, but does not have to be. Having an administrative role does not by itself make someone personally responsible for another person's payment losses.
A Tipd account provides access to our application. A Ryft payment account or sub-account is a separate account within Ryft's payment arrangements. A Team groups Recipients and does not itself create a legal entity. A Tipd business profile does not necessarily have its own Ryft payment account. An organisation must act through an authorised representative.
Anyone registering for a Tipd account must be at least 18 and have legal capacity. Payers do not need an account. A Payer under 18 may pay only where permitted by law and with the authority required to use the payment method, including any necessary parent or guardian permission.
When you select a signup or payment-journey action clearly identified as accepting these Terms, you agree to the provisions relevant to your role. The Acceptable Use Policy and Refund Policy form part of these Terms. The EULA also applies when you use the downloaded application. Our Privacy Policy and Cookie Policy explain data handling; accepting these Terms is not consent to optional analytics or marketing. Accepting Terms at a Next step does not itself authorise a charge; payment authorisation occurs when you confirm the payment.
For payment, allocation and recovery matters, these Terms and the Refund Policy apply together. The EULA governs the software licence, with mandatory store rules applying where required. No linked notice, including the Disclaimer, removes the protections in section 14. A specific written agreement signed by Tipd takes priority over inconsistent general commercial provisions, subject to mandatory law. Changes affecting existing users are governed by section 13.
Tipd primarily provides technology for voluntary tips and donations using profiles, QR codes, links and supported payment methods. Operators can organise Teams while payments are allocated to Recipients rather than collected in the operator's business bank account.
Tipd is not the employer of Recipients, the organiser of their tours or events, the supplier of their goods or services, or the charity receiving a donation. We do not provide or guarantee the underlying experience or decide employment status or eligibility for tax relief. We do not operate a general personal money-transfer, cash-withdrawal or currency-exchange service.
Other lawful payments, including payments connected with goods or services, are not automatically prohibited. They are permitted only to the extent that the activity is supported by the applicable Ryft account and payment arrangements, complies with law and these Terms, and has any required provider approval. Availability of a payment page is not evidence that an activity is approved. You must accurately describe your business and payment activity and notify us of material changes. Where an activity requires prior approval, including advance-payment activities subject to Ryft's requirements, do not collect those payments before the requirement is satisfied.
For an underlying sale, the Recipient or the organisation they are authorised to represent is the seller or supplier. That seller is responsible for describing the transaction and identifying itself clearly to the Payer, supplying the goods or services, taxes, licences, customer support, and applicable cancellation, return and refund obligations. The actual seller must be clear; a Team's technical split does not determine who contracted with the buyer. Tell Payers what they are paying for and the total price before they authorise payment. Do not present a compulsory purchase price as a voluntary tip or donation or use Tipd to avoid consumer rights.
We do not verify or guarantee the purpose, accuracy, quality or fulfilment of every underlying transaction. This does not remove our own duties or those of the payment provider. We may investigate activity and restrict unsupported, misleading or unlawful use under these Terms. Recipients must cooperate with reasonable payment and dispute enquiries and configure fees lawfully as explained in section 7.
Creating an account and using the core service do not require a monthly subscription. A suggestion to try Tipd on three tours is ordinary use, not a time-limited trial or an automatic upgrade.
Payment processing, payment-account balances and bank payouts are provided through Ryft Pay Ltd (Ryft) and its payment partners. Amounts shown in Tipd represent payment activity and provider balances; they are not deposits in a bank account supplied by Tipd.
Standard individual Tipd signup currently includes creation of a personal Ryft sub-account, including for an individual who administers a business. Some invited business-verification contacts, such as a person with significant control (PSC), can have a Tipd account without a Ryft sub-account; their information may still be shared for business verification. Administrative status alone does not determine whether a payment account is needed.
Where the signup or onboarding process includes creation or connection of a Ryft payment account for you or an organisation you are authorised to represent, you authorise that action and agree to the Ryft Terms applicable to that account and service, made available at that step. If acting for an organisation, you must have authority to bind it. Read the Ryft Privacy Policy for information about Ryft's data handling. Supplying information solely as a business-verification contact does not by itself mean you receive funds or accept personal liability for the business's payments.
A Payer using checkout does not thereby open a Ryft merchant account or become subject to every obligation imposed on a Ryft merchant or platform. Payers authorise the displayed payment and must follow any applicable payer-specific conditions presented before payment. Merely referring to Ryft does not transfer all Black Bubble's obligations to a Payer or Administrator.
Ryft's applicable agreement governs its own services. These Terms govern Tipd's separate service and do not override Ryft's requirements or give Tipd powers reserved to Ryft. You must supply required information and comply with provider conditions applicable to your activity, account and country. Some activities and locations may require separate approval or terms; technical access does not establish eligibility.
Ryft may charge Tipd for refunds, reversals, disputes and related costs. Our separate rights to recover amounts from affected Recipients are in section 9. Ryft's rights against Black Bubble do not automatically become rights against you.
Tipd is available in selected countries. App-store availability is limited by country and may change as we expand or restrict support. Access to a download or web page does not guarantee payment-account approval or payout eligibility. Availability depends on verification, payment-provider support, sanctions and applicable law.
Tipd supports GBP, EUR and USD. The payment currency and the Recipient's payout currency must match. You must connect a valid bank account capable of receiving that currency. Tipd does not offer conversion between the payment and payout currencies. A Payer's card issuer or bank may apply its own conversion rate or charges if their card account uses another currency; those charges are outside our control.
Payment methods may vary by account, country, currency, card and provider approval. The options shown at checkout determine what can be used for that payment.
Provide accurate, current information and promptly correct material changes. Keep credentials secure, use your own account, and tell us promptly about suspected unauthorised access. Administrators must have authority to represent their organisation and invite or manage the relevant members. Do not use another person's identity or bank details without lawful authority and provider approval.
Ryft performs identity and business verification and applicable financial-crime checks. Tipd also reviews accounts and activity to protect the service. Checks may include KYC, KYB, anti-money-laundering, sanctions and fraud checks, and information about identity, address, beneficial owners, controllers, business activity, authority to collect funds and source of funds. Further checks may be required after registration.
We may request supporting documents, refuse an account or transaction, or restrict payments or payouts where information is missing, verification fails, activity appears unauthorised or unlawful, or there is a reasonable risk of fraud or loss. Providing documents does not guarantee approval. We will explain restrictions where reasonably possible, except where disclosure is unlawful or could compromise security or an investigation.
An unverified member may receive an allocation into their Ryft sub-account, but bank payouts cannot take place until the required verification and payout conditions are met. Verification documents and related personal data are handled as explained in the Privacy Policy.
For a direct individual payment, the selected Recipient receives the payment subject to fees and any later reversal. Where a Team lets the guest choose a person, the selected person receives it; it is not shared merely because the person belongs to a Team.
For a Sharing Team, Tipd splits the tip equally between members checked in when the transaction is processed. If nobody is checked in, including where check-in is disabled or all members have checked out, Tipd splits it between the whole Team. Monetary rounding may cause minor differences where an amount cannot be divided exactly.
Administrators manage Team membership and settings and may configure a scheduled automatic checkout. Members are responsible for checking their status. A scheduled checkout can leave nobody checked in, which means a subsequent payment is shared across the whole Team. It does not stop the Team receiving payments.
Allocations occur in real time and cannot be edited or reassigned in Tipd after the transaction. A refund or recovery is a separate process, not a retrospective change to the sharing rules. This does not excuse a processing error for which we are legally responsible. Report an apparent error promptly so it can be investigated.
Administrators and Recipients must keep membership and settings accurate and communicate sharing rules to affected members. Administrators can see Team performance, including member tips. They must use that information only for authorised Team administration and lawful purposes. Tipd is not responsible for resolving employment or internal entitlement disputes that it did not cause.
Our current standard platform fees are explained on the Pricing page. The applicable fee, currency and total are displayed before a Payer authorises a payment. The platform fee includes payment processing, standard payouts and verification; exceptional reversal or dispute costs are dealt with separately in section 9.
Depending on the lawful settings selected for the Recipient or Team, the Payer may cover the fee separately, choose whether to cover it, or the fee may be deducted from the payment. If deducted, the amount available to the Recipient is less than the amount paid for the tip, donation or underlying transaction. The Recipient receives the full stated amount only where the fee is covered separately, subject to any later refund, reversal or recovery.
The Recipient or authorised Administrator selecting the fee configuration is responsible for ensuring it is lawful for the activity and jurisdiction and for communicating the complete price and any choice accurately. An option being technically available does not mean it is lawful for every use. Do not impose a prohibited payment-method surcharge, hide a compulsory charge or describe a charge as optional unless the Payer can genuinely decline it. Obtain express agreement where required for an optional additional payment. Calling a charge a platform fee does not change its legal treatment. If passing the fee to the Payer is not lawful, it must be absorbed by the Recipient. These responsibilities do not remove Tipd's own obligations for its fees, options or checkout presentation.
Check the Recipient or Team, amount, currency, fee choice and total before paying. By authorising payment, you confirm that you have authority to use the payment method and instruct processing of the displayed total. A pending or failed screen alone does not establish whether your bank has debited you; contact support before retrying if unsure.
Taxes on Tipd's fees will be included or identified as applicable before authorisation. Recipients and Administrators remain responsible for their own tax, employment and accounting obligations. We do not retrospectively increase an authorised payment merely because a fee changes later. Material fee changes affecting account holders will be notified in advance and apply to future payments, except where an earlier change is required by law or a payment provider.
Standard payouts normally arrive in two to three working days, once funds are available and verification, bank and payout requirements are satisfied. This is an estimate, not a guarantee. Weekends, bank holidays, bank processing, risk reviews, disputes and restrictions may delay a payout.
The standard minimum payout is £5 for GBP, €5 for EUR and $100 for USD. Balances below the relevant minimum remain pending until the threshold is reached. Keep your bank details valid and tell us about payout problems promptly.
If you wish to close an account with a remaining balance, contact support so we can review the available options with the payment provider. The usual payout threshold still applies unless another arrangement is available and agreed. Closing or ceasing to use an account does not by itself transfer ownership of its remaining balance to Tipd. Inactivity alone does not give Tipd ownership of the balance. Unresolved funds remain attributable to the Recipient within the payment arrangements, subject to applicable provider conditions and any legally required treatment of unclaimed funds. We may retain necessary records and apply lawful restrictions or recover amounts properly due under section 9.
The Refund Policy explains Payer refunds and disputes. We may initiate a refund to the original payment method where we identify or reasonably suspect fraud or unauthorised use, or where required by law, a payment provider or card-scheme rules. This can happen without a request from the Payer or permission from a Recipient. For a fraud refund initiated by Tipd, we refund the full original amount charged, including the platform fee.
As a Recipient, you agree that amounts credited to you remain subject to valid refunds, reversals and chargebacks. You authorise Tipd, to the extent permitted by law and supported by the payment provider, to deduct or arrange recovery from your available payment-account balance and future funds payable to you of:
For a shared payment, the reversed principal and transaction-related third-party costs will normally be allocated in proportion to each Recipient's original share. We will not recover the same amount twice or collect the entire shared transaction from each member. Any separate recovery based on a particular person's fraud or breach must reflect that person's responsibility and losses actually caused.
We will not use this clause to shift losses caused by our own breach, negligence or processing error onto you. Returning Tipd's own platform fee does not, by itself, create a further amount owed by you for that fee or lost profit. Recoverable third-party costs are limited to amounts actually incurred and not otherwise reimbursed. If a recovered amount is later returned to us following a successful dispute or correction, we will restore the corresponding amount to the affected Recipient, less any costs that remain properly due.
We may temporarily restrict payouts where reasonably necessary to investigate or meet an identified payment risk. Where lawful and practicable, we will notify you of a restriction or recovery, explain the basis and amount, and give you an opportunity to challenge an error through support. Where necessary, a restriction or recovery may occur without advance notice or a separate permission request for that deduction under an applicable recovery authority. We will provide an itemised explanation before or promptly after recovery, unless disclosure is legally restricted, and correct a substantiated error. Any continued restriction must remain justified; it is not a right to confiscate balances.
These obligations survive account closure for payments and liabilities to which they validly apply. This section does not retrospectively create new liabilities for transactions governed by earlier terms; changes for existing users are subject to section 13. This authority concerns balances and proceeds within the payment arrangements; it does not authorise Tipd to debit an unrelated bank account or card without a separate valid mandate or legal basis.
Organisations collecting donations are responsible for their legitimacy, authority to fundraise, the accuracy of their appeals, use of funds and applicable charity and fundraising rules. Verification or use of Tipd is not an endorsement of a cause.
Where available, Tipd collects Gift Aid declarations and the required donor information and provides a formatted export to the relevant organisation's authorised Administrators. Each declaration applies only to the individual donation made with it; it does not cover future donations. Tipd does not submit or amend claims to HMRC or determine eligibility. The organisation is responsible for checking eligibility, submitting and correcting claims, and updating its records for refunds or invalid declarations.
Our retention periods are explained in the Privacy Policy. Organisations remain responsible for their own HMRC records and should export and securely retain the evidence they need, including before closing an account. Do not enable Gift Aid for a purchase merely because it is processed through Tipd. A declaration is not permission to use donor information for unrelated marketing.
You retain ownership of your profile text, images and other content. You give Tipd a non-exclusive, royalty-free licence to host, process, reproduce and display that content only as reasonably necessary to provide, secure and support the Services, including displaying a public profile and delivering a guest message to the intended Recipient or Team. We may use service providers for those purposes.
This licence does not permit us to sell your personal content or use your identity as a marketing endorsement without separate permission. It ends when content is deleted, except for necessary backups, evidence and lawful retention described in the Privacy Policy. Feedback about the service may be used to improve it without payment, but that does not transfer ownership of unrelated personal information or confidential material.
You must have authority to provide the content, respect other people's rights, and comply with the Acceptable Use Policy. We may remove unlawful or infringing material and respond to substantiated complaints. Our software, branding and website content remain ours or our licensors'. You may use them for authorised Tipd activity, including sharing your assigned QR codes and links; this does not grant a general right to copy or resell our technology.
You may stop using Tipd and request account deletion. The normal account-deletion process includes a 28-day period before routine account data is deleted, subject to the Privacy Policy and any records we must lawfully retain. Deleting the app alone does not delete your account or extinguish a payment obligation.
We may suspend or end access for a material breach, failed verification, prohibited use, reasonable fraud or security concerns, provider restrictions or legal requirements. We may act immediately where necessary to prevent harm. Otherwise, where reasonable, we will explain the issue and allow an opportunity to correct it. Contact support if you believe a restriction is mistaken.
If we discontinue the service or terminate an account for reasons unrelated to a breach or urgent risk, we will give reasonable notice where practicable. Termination does not remove accrued rights, properly due recovery obligations, or rights to remaining funds subject to lawful deductions and payout arrangements. Record deletion and payout resolution may be handled separately so only necessary data is retained.
We provide the Services with reasonable care and skill. We may maintain or update them to address security, technical compatibility, applicable law, payment-provider requirements or changes to the features we offer. We do not guarantee uninterrupted access or a particular level of income. We will take reasonable steps to reduce disruption and preserve mandatory remedies. Install supported app updates and maintain a suitable device and connection.
We may make proportionate changes to these Terms to reflect a change in applicable law or regulatory requirements, a change imposed by a payment provider, a necessary security or fraud-prevention measure, a change in supported functionality, or to correct errors and clarify wording without materially reducing your rights. Changes to fees follow section 7. This is not an unrestricted right to impose unexpected financial obligations or remove accrued rights.
For a material change affecting existing users, we will give reasonable advance notice, normally by email to the registered address, with a summary, the revised terms and the proposed effective date. Where a legal, provider or urgent security requirement requires shorter notice, we will explain the change as soon as reasonably possible. Minor corrections that do not materially change rights or obligations may be published without a separate acceptance request.
Where a change can lawfully take effect under an applicable variation provision, you do not need to complete a new acceptance step for every update. You may contact support about a change and stop using or close your account before it takes effect without a cancellation penalty, while retaining rights to existing funds subject to valid deductions and provider payout requirements. If a particular change requires your agreement, notice alone does not replace it. Silence or the passive receipt of tips does not by itself establish agreement to a new financial liability. We will not retrospectively apply newly introduced liabilities to earlier transactions.
We do not pause ordinary tip collection or payouts solely because an existing user has not clicked to accept an update. This does not prevent restrictions for the independent verification, fraud, legal or provider reasons set out elsewhere in these Terms. Nothing here removes rights or duties already validly established under an earlier agreement.
Nothing in these Terms or any linked policy excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any liability or statutory right that cannot lawfully be excluded or limited. This includes applicable consumer remedies and data-protection rights. Nothing permits Tipd to keep funds it has no lawful right to retain.
If you act as a consumer, we are responsible for loss that is a foreseeable result of our breach or failure to exercise reasonable care and skill, subject to applicable law. We are not responsible for loss that you could reasonably have avoided, or for an underlying tour, service or Recipient's conduct where we did not cause or contribute to that loss.
If you act wholly or mainly for business purposes, to the extent lawful and reasonable, we are not liable for lost profits, lost business, lost opportunities or indirect or consequential loss. These exclusions do not reduce our obligation to account for or return funds properly due to you, or exclude a liability that cannot lawfully be excluded.
A business user must reimburse our reasonable, evidenced direct losses and third-party costs to the extent caused by its fraud, unlawful activity, infringement of another person's rights or material breach of these Terms. This is not a general indemnity for every use of Tipd and does not cover loss caused by us. We will notify you of a relevant claim, take reasonable steps to mitigate loss, and consult you before agreeing a settlement for which we seek reimbursement.
Contact support@tipd.co with a description of the issue and relevant payment reference. Do not send a full card number, security code or password. We will investigate complaints and may need information from you, Ryft or a bank. Nothing requires you to exhaust our process before exercising a legal right or contacting your card issuer, regulator or a competent court.
These Terms are governed by the law of England and Wales. The courts of England and Wales have jurisdiction over business disputes. Consumers retain mandatory protections and any right to bring proceedings in the courts of their country of residence. There is no compulsory arbitration requirement under these Terms.
If a provision is unenforceable, the rest continues so far as legally possible. A delay in enforcing a right is not a waiver. Apart from app-store rights stated in the EULA and rights arising under a separate payment agreement, these Terms do not grant enforcement rights to someone who is not a party. We may transfer this agreement as part of a genuine business transfer if your rights are not materially reduced and we give appropriate notice.
Black Bubble Solutions Ltd trading as Tipd. Registered office: 3rd Floor, 86–90 Paul Street, London, United Kingdom, EC2A 4NE. Company number: 09553653. VAT number: GB211590931.
Email: support@tipd.co. Telephone: +44 (0)161 706 1952.