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Governing Law: England & Wales · ICO ZB956879

Terms of Service

Membership Agreement and Terms & Conditions governing access to Blacklist Global's platform — Deposit-Free, KYC Screening, B-Pay, and Blacklist OS.

Last updated: July 2026·Effective: July 2026

This Agreement ("Agreement") is entered into as of the date of registration by and between Blacklist Global Ltd ("Blacklist Global", "we", "us") and the registering business entity ("Member", "Partner", "you").

WHEREAS, Blacklist Global provides a global rental risk intelligence database, KYC guest screening, deposit-free protection, B-Pay payment collection, debt recovery services, and the Blacklist OS operating platform for businesses; and

WHEREAS, the Member wishes to access and use Blacklist Global's services under the terms set forth herein;

NOW, THEREFORE, in consideration of mutual obligations, the parties agree as follows. By registering or using the Platform, you agree to these Terms in full.

1.

Scope of Services

Blacklist Global grants the Member access to the following products and services, subject to account type, eligibility, and compliance with this Agreement:

1.1 Deposit-Free Rental Protection

Financial coverage for approved incident types (damage, non-payment, fines, excess charges) in place of traditional security deposits
Applicable to vehicle rental, holiday homes, hotel accommodation, and approved B2B rental sectors
Activated per-booking; subject to evidence requirements and claim review

1.2 KYC & Guest Screening

Identity document verification (passport, ID card, driving licence)
Liveness detection and biometric facial comparison
Global sanctions, PEP, and adverse media database screening
Risk intelligence cross-referencing against Blacklist Global's verified partner database

1.3 B-Pay Payment Links

Generation of shareable payment links for debt recovery, rental fees, and B2B invoicing
Full payment and installment plan (B-Pay) options via Stripe
Automated payment follow-up and reminder workflows
Case-linked payment tracking and payout management

1.4 Blacklist OS

Unified case management, risk intelligence, screening, and payment platform
API access for platform integration with third-party rental management systems
White-label and enterprise configurations available under separate agreement
Role-based partner portal access with audit trails

1.5 Risk Intelligence Database

Access to search and view verified risk entries submitted by partner businesses
Ability to submit client and company risk reports (subject to admin verification)
Contributor accounts with database-view and reporting access only

Blacklist Global reserves the right to modify, suspend, or discontinue any service at its discretion with reasonable notice.

2.

Fees, Payments & Wallet

2.1 Wallet System

Partner accounts operate on a prepaid wallet system for coverage and service fees
Wallet balances may be topped up via credit/debit card or bank transfer
Booking coverage fees are deducted directly from the wallet at activation
Wallet statements are available for download at any time
All wallet top-ups are strictly non-refundable. Wallet balances represent prepaid service credits only and cannot be withdrawn as cash. Refunds will only be issued where strictly required by mandatory applicable law.

2.2 Booking Coverage Fee

A non-refundable booking coverage fee applies per booking activation, calculated based on:

The applicable deposit amount and rental period
Country-specific pricing rules and multipliers
Long-term rental discounts (where applicable)
Risk-based pricing adjustments based on KYC screening outcome
All coverage fees are final and non-refundable once activated — regardless of claim outcome, rental cancellation, documentation rejection, or account suspension. Coverage activation does not guarantee claim approval.

2.3 B-Pay Service Fees

B-Pay payment links may carry a surcharge to the payer, disclosed at checkout
Stripe's standard transaction fees apply and are incorporated into pricing
Payout of collected funds is subject to Blacklist Global's commission structure and any applicable deductions
Installment plans (B-Pay BNPL) are subject to payer completion; Blacklist Global is not liable for incomplete installment recovery

2.4 KYC Screening Fees

Per-screening fees apply based on the verification tier selected
Fees are deducted from the wallet at the point of screening initiation
Fees are non-refundable regardless of screening outcome
3.

Deposit-Free Coverage — Claims & Exclusions

Blacklist Global's Deposit-Free protection is a financial protection service, not insurance. It does not replace commercial insurance and is subject to the evidence and eligibility requirements in this section.

3.1 General Claim Requirements

Claims must be submitted within 45 days of the rental start date. Cases outside this window will be rejected
All claims require supporting photographic, documentary, and/or financial evidence
Members must respond to admin queries within 3 business days or the claim may be rejected
Submission of a claim does not guarantee approval. Blacklist Global retains sole discretion in claim assessment

3.2 Vehicle Rental — Eligible Claims

Unpaid traffic fines and road toll charges
One (1) day of unpaid rental charges only
Excess mileage / extra kilometres
Cleaning fees (reasonable, evidenced)
Smoking penalties (reasonable, evidenced)
Minor cosmetic vehicle damage: scratches, dents, minor panel damage that does not require insurer intervention, does not affect structural integrity, and does not render the vehicle unsafe

3.3 Vehicle Rental — Exclusions

Lost or stolen keys / key replacement / programming
Recovery or towing charges
Theft or attempted theft / failure to return vehicle
Total loss / major accidents / structural or chassis damage
Insurance excess or deductible
Windshield or glass replacement
Downtime, loss of use, or consequential loss
Airbag deployment
Major accidents must be processed through the Member's own motor insurance.

3.4 Holiday Homes, Hotels & Accommodation — Eligible Claims

Minor cosmetic property damage and broken small household items
Excessive cleaning fees (reasonable, evidenced)
Smoking penalties
Minor linen damage
Unpaid incidentals (maximum one night's rate only)
Minor non-structural furniture damage

3.5 Accommodation — Exclusions

Structural, fire, flood, or water damage
Mold remediation
Electrical or plumbing system damage
Major appliance replacement
Theft of property / missing inventory / cash loss
Jewellery or high-value personal items
Downtime, loss of bookings, or business interruption
Utility bills / legal or eviction costs
Long-term unpaid stays / insurance excess
Major property damage must be processed through the Member's own property or liability insurance.

3.6 Documentation Integrity

All invoices and supporting documents must reflect the genuine, true commercial loss incurred. Invoices must not be:

Artificially capped to match coverage limits
Inflated, reduced, or reclassified for claim purposes
Reconstructed after the fact or backdated

The burden of proof rests entirely with the Member. Submission of inconsistent, altered, or fraudulent documentation will result in immediate claim rejection, account suspension, and may result in legal action. Blacklist Global reserves the right to request third-party verification of any documentation.

3.7 Debt Transfer on Claim Approval

Upon claim approval and payout, the outstanding debt transfers to Blacklist Global
Members must cease all direct contact with the client following debt transfer
Blacklist Global will pursue recovery through its own channels and at its sole discretion
4.

KYC Screening — Terms & Limitations

KYC screening results are informational only and do not constitute legal advice or a guarantee of a guest's behaviour
Members remain solely responsible for their own due diligence and booking decisions
Biometric and liveness data is processed with explicit guest consent obtained at the point of screening
Screening results must not be used to discriminate on protected characteristics under the Equality Act 2010 or equivalent legislation
Members must not share raw screening results with unauthorised third parties
Blacklist Global is not liable for any booking decision made on the basis of screening results
5.

B-Pay — Payment Link Terms

B-Pay payment links are generated for legitimate debt recovery, rental charges, and B2B invoicing purposes only
Members must not generate payment links for fraudulent, coercive, or unlawful purposes
Blacklist Global is a payment facilitation intermediary; we are not responsible for payer disputes with the Member
Payout of collected funds is subject to verification, commission deductions, and applicable processing timelines
Installment plans (B-Pay BNPL) that are not completed by the payer do not entitle the Member to compensation from Blacklist Global
All payment data is processed through Stripe (PCI-DSS Level 1). Blacklist Global does not store card data
6.

Member Obligations

By using the Platform, Members agree to:

Provide accurate, truthful, and up-to-date business information at registration and throughout the relationship
Submit only genuine, evidence-backed incident reports and claims
Screen clients and guests using available tools before conducting business where appropriate
Comply with all applicable laws in their jurisdiction — including consumer protection, AML, data protection, and financial services regulations
Not misuse the Platform, database, or payment tools for fraudulent, coercive, or unlawful purposes
Not reverse-engineer, scrape, or circumvent any platform security or access control
Not publish false or defamatory statements about Blacklist Global — disputes must be raised through official channels
False reporting, documentation fraud, or platform misuse may result in immediate account suspension, permanent ban, recovery of any paid claims, and civil or criminal legal action.
7.

Termination

Either party may terminate this Agreement with 30 days' written notice
Blacklist Global may terminate immediately and without notice for: breach of these Terms, documentation fraud, misuse of the platform, submission of false reports, failure to comply with AML/KYC requirements, or court order
Termination does not entitle the Member to a refund of any wallet balance, coverage fees, or screening fees
Upon termination, all active coverage is immediately voided. Pending claims will be reviewed and may be rejected at Blacklist Global's discretion
8.

Limitation of Liability

Blacklist Global is not liable for any indirect, consequential, special, incidental, or punitive loss arising from use of the Platform
Total aggregate liability is limited to fees paid by the Member in the preceding six (6) months
Services are provided "as is". Blacklist Global makes no warranty regarding claim approval, debt recovery success rates, or screening outcome accuracy
Blacklist Global is not responsible for losses arising from Member decisions made on the basis of screening results, risk intelligence entries, or platform data
We are not liable for platform downtime caused by third-party service providers (Stripe, cloud infrastructure, etc.) beyond our reasonable control
9.

Sanctions & Compliance

Blacklist Global reserves the right to refuse or terminate service to any Member subject to international sanctions, regulatory restrictions, or government-imposed prohibitions
Members must not use the Platform to facilitate transactions with sanctioned individuals, entities, or jurisdictions
Blacklist Global complies with UK HM Treasury sanctions lists, OFAC, and applicable UAE Central Bank (CBUAE) requirements
10.

Force Majeure

Blacklist Global shall not be liable for any failure or delay in performance caused by events beyond its reasonable control, including but not limited to: government action or legislation, international sanctions, major cyber incidents, natural disasters, pandemic, or critical third-party service provider outages. We will notify Members of any material service interruption as promptly as practicable.

11.

Governing Law & Dispute Resolution

This Agreement is governed by the laws of England and Wales
Before initiating formal legal proceedings, the Member must provide written notice to Blacklist Global and allow 14 business days for good-faith resolution
Unless mandatory law requires otherwise, disputes shall be subject to the exclusive jurisdiction of the courts of England & Wales
For data protection matters, the Member may also escalate to the ICO (ico.org.uk) at any time
Contact for disputes: support@blacklistglobal.co.uk
12.

Entire Agreement & Amendments

This Agreement constitutes the entire understanding between the parties and supersedes all prior representations, discussions, or agreements
Blacklist Global reserves the right to amend these Terms at any time. Material changes will be communicated by email with at least 14 days' notice
Continued use of the Platform following any amendment constitutes acceptance of the updated Terms
If any provision of this Agreement is held unenforceable, the remaining provisions shall remain in full force

By registering for or using Blacklist Global's Platform, the Member confirms they have read, understood, and agree to these Terms of Service in full.

Last updated: July 2026
ICO Registration: ZB956879 · Verify
Entity: Blacklist Global Ltd, United Kingdom