Terms of Use

ClicknShare Ltd · Last updated: September 2026 · Company Reg. No. 16166273

Contents

Acceptance of terms
About Topa
Eligibility
Your account
Payments and transactions
Fees
Prohibited use
Intellectual property
Limitation of liability
Indemnity
Termination
Governing law
Changes to these terms
Contact us

Please read these Terms of Use carefully before using the Topa service. By accessing or using Topa, you agree to be bound by these terms. If you do not agree, please do not use the service.

1. Acceptance of terms

These Terms of Use ("Terms") govern your access to and use of the Topa bill payment platform ("Topa", "the Service") operated by ClicknShare Ltd, a company registered in England and Wales (Company No. 16166273), with its registered office at 9 Journey Campus, Castle Park, Cambridge CB3 0AX ("ClicknShare", "we", "us", "our").

By creating an account or using the Service, you confirm that you have read, understood, and agree to these Terms and our Privacy Policy.

2. About Topa

Topa is a digital bill payment platform that enables users to pay essential bills — including utilities, education fees, and other services — on behalf of family members and others, including internationally. The Service is provided subject to applicable financial regulations and the terms set out herein.

ClicknShare operates Topa as a technology platform. Payment processing and money transmission services are provided by regulated third-party partners. ClicknShare is not itself a regulated payment institution but works exclusively with FCA-authorised or equivalent partners for the execution of payments.

3. Eligibility

To use Topa, you must:

Be at least 18 years of age
Be a resident of a country in which the Service is available
Have the legal capacity to enter into a binding contract
Not be prohibited from using the Service under applicable law
Successfully complete our identity verification (KYC) process

By using the Service, you represent and warrant that you meet all eligibility requirements.

4. Your account

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must:

Provide accurate, current, and complete information during registration
Keep your account information up to date
Notify us immediately of any unauthorised use of your account at [email protected]
Not share your login credentials with any third party

We reserve the right to suspend or terminate accounts where we suspect fraudulent activity, breach of these Terms, or where required by law.

5. Payments and transactions

When you initiate a payment through Topa:

You authorise us to process the payment on your behalf
You confirm that the payment details you provide are accurate
You acknowledge that payments to third-party bill providers are subject to those providers' own terms and processing times
Transaction confirmation does not guarantee that the recipient bill provider has processed the payment; processing times vary by provider

We are not responsible for delays or failures caused by third-party bill providers, banking partners, or circumstances beyond our reasonable control.

Refunds and cancellations

Once a payment has been submitted for processing, it may not be possible to cancel or reverse it. If you believe a payment has been made in error, contact us immediately at [email protected]. Refund eligibility is assessed on a case-by-case basis in accordance with applicable regulations.

6. Fees

Applicable fees for using the Service are displayed clearly before you confirm any transaction. By confirming a transaction, you agree to pay the stated fees. We reserve the right to change our fee structure with reasonable notice. Continued use of the Service after a fee change constitutes acceptance of the new fees.

7. Prohibited use

You must not use Topa to:

Make payments for illegal goods or services
Engage in money laundering, terrorist financing, or any other financial crime
Circumvent sanctions or export controls
Impersonate any person or entity
Introduce malware, viruses, or other harmful code
Attempt to gain unauthorised access to our systems
Use the Service in any way that violates applicable law or regulation

Breach of this section may result in immediate account suspension, reporting to relevant authorities, and legal action.

8. Intellectual property

All intellectual property rights in the Topa platform, including its design, software, trademarks, and content, are owned by or licensed to ClicknShare Ltd. You are granted a limited, non-exclusive, non-transferable licence to use the Service for its intended purpose. You must not copy, modify, distribute, or create derivative works from any part of the Service without our prior written consent.

9. Limitation of liability

To the fullest extent permitted by law:

The Service is provided "as is" without warranties of any kind, express or implied
We do not warrant that the Service will be uninterrupted, error-free, or free from viruses
We shall not be liable for any indirect, incidental, special, or consequential losses arising from your use of the Service
Our total aggregate liability to you shall not exceed the fees paid by you to us in the 12 months preceding the claim

Nothing in these Terms limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded by law.

10. Indemnity

You agree to indemnify and hold harmless ClicknShare Ltd, its directors, employees, and agents from any claims, losses, damages, and expenses (including legal fees) arising from your use of the Service, your breach of these Terms, or your violation of any applicable law.

11. Termination

You may close your account at any time by contacting us at [email protected]. We may suspend or terminate your access to the Service at any time, with or without notice, if we reasonably believe you have breached these Terms, for regulatory compliance reasons, or if we discontinue the Service. Termination does not affect any rights or obligations that arose prior to termination.

12. Governing law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales, except where mandatory consumer protection laws in your country of residence provide otherwise.

13. Changes to these terms

We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on this page with a revised "last updated" date and, where appropriate, by email. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the revised Terms.