TERMS · 2 OCTOBER 2026

A clear foundation for doing business.

About Exchange

NOVA BENEFICIA EXCHANGE is operated by NOVA BENEFICIA LTD, company number 17398965, 66 Paul Street, London, EC2A 4NA, United Kingdom. Contact t.hyburn@nova-beneficia.co.uk for account support, complaints, payment reviews, refunds and data requests. Participants must be at least 18.

Seller and Trade membership

Each membership costs £25 per month, billed by Stripe and renewed monthly until cancelled. Buyer accounts in the marketplace are free. Sellers purchase membership on nova-beneficia.co.uk/exchange/membership before signing in with the same verified Google or email account on the main website. You review and confirm payment at Stripe checkout. Seller tools open after a successful membership payment is verified and linked to that verified email. Stripe business verification is required before products can be published or customer payments accepted. If you cannot complete seller verification, contact support about cancellation or a refund.

Seller membership includes product drafts, photo and video uploads, public product pages, social sharing links, stock control and order management on the main NOVA BENEFICIA website. Published products appear automatically in the buyer marketplace. Accepting orders also requires an eligible, verified Stripe seller account. Current seller onboarding and product delivery support UK businesses and UK delivery addresses.

Trade membership includes a public searchable business profile, service area, customer enquiries and replies in your account. Trade customers and businesses agree the work, price, payment, cancellation arrangements and qualifications directly. Trade jobs are not charged through product checkout.

You can stop future renewals through Manage billing in your account. Cancellation takes effect at the end of the paid period unless a refund, dispute or payment review requires access to be suspended. Failed or overdue payments can suspend paid tools and public listings. You retain access to your existing orders, enquiries and Stripe payout dashboard. Contact us to request a membership refund or exercise any applicable cancellation rights. These terms do not limit your statutory rights. Membership does not guarantee sales, work, income or search ranking.

Seller fees and payouts

The Exchange fee is 10% of the order total, including delivery, plus 50p once per order. Percentage fees round to the nearest penny, with half pennies rounded up. The minimum order total is £5. For example, a £50 order has a £5.50 platform fee and £44.50 seller proceeds before refunds or disputes. NOVA BENEFICIA LTD bears Stripe payment processing fees from its platform fee.

Stripe receives your identity, business and bank information during its secure onboarding. Do not upload identity documents or bank details to product or profile fields. Completed verification and supported account capabilities are required to receive payments. Seller proceeds are transferred through Stripe Connect. Available balances, payout schedules, withdrawals and bank details are managed in the seller’s authenticated Stripe Express dashboard. A paid order is not a promise of immediately withdrawable funds: settlement, verification, reserves and dispute holds can affect availability. The platform does not hold an Exchange wallet.

Refunds and disputes can reduce seller proceeds. A full refund issued in Exchange returns the order amount, reverses the related seller transfer and refunds the platform application fee. The platform remains responsible for its Stripe processing and platform fees. Contact Exchange support for partial refunds, disputed payments and account reconciliation.

Products, delivery and returns

Every product page identifies the independent supplying business, its contact address and email, price, delivery charge, dispatch time and returns instructions. Published prices must include applicable taxes. The checkout total includes the displayed delivery charge. Product payments are accepted by NOVA BENEFICIA LTD through Stripe; the named seller supplies, dispatches and supports the product. Your order record shows its confirmed payment and dispatch status.

Sellers must describe products accurately, hold the stock they list, provide safe lawful goods and honour delivery commitments, applicable cancellation rights and statutory remedies for faulty or misdescribed goods. Returns instructions must explain how to request a return and where to send it; they cannot override statutory rights. Contact the seller using the product details, or contact Exchange support with your order number if an issue is unresolved. A seller must not mark an order dispatched before sending it.

Only physical products that Stripe permits can be listed. Counterfeit, stolen, recalled or unsafe goods, weapons, controlled drugs, gambling, financial products and adult content are prohibited. Do not make misleading health, earnings or qualification claims. Sellers are responsible for permissions to use their content and their business’s applicable legal and tax obligations. Exchange may remove listings and suspend paid access for safety, fraud, policy breaches or payment reviews. Report a listing to our support email with its URL.

Trade businesses

Businesses remain independent. Membership does not verify qualifications, confer insurance, transfer a licence or make the member an employee or representative of NOVA BENEFICIA LTD. Company SIC codes classify activities and are not shared permits. Customers should verify experience, registrations and insurance relevant to the work and obtain a written agreement before booking.

Sharing and promotion

Published product and trade pages have shareable links and search metadata. Sharing tools prepare links and text for your own Facebook, Instagram, YouTube or other business accounts. They do not automatically publish posts, connect advertising accounts, purchase adverts or guarantee reach. Ad costs and platform rules are set by the selected channel.

Your information

Firebase Authentication provides Google sign-in and verified email/password accounts. Firebase processes your sign-in credentials and connection data. Exchange receives your verified identifier, email and optional display name; your password goes directly to Firebase and is never stored in the Exchange database. An essential secure session cookie expires within one hour, while Firebase browser storage maintains sign-in and refreshes credentials. Sign out on shared devices.

Profiles, listings, stock, membership status, order records and enquiries are stored in the hosted Exchange database. Uploaded images and videos are stored in object storage. Draft products and account data are private. Publishing a product makes its description, media and business contact details public; publishing a trade profile makes its business name, services and area public. Product media becomes private when its listing is hidden or membership access ends.

Only the account owner can access their private profile and membership management. Order details are available to the buyer and supplying seller; a delivery address is disclosed to that seller to fulfil the order. Trade enquiries and replies are available to the customer and that business. Stripe processes payment, billing, verification and payout information under its privacy terms; Exchange stores identifiers and statuses needed to operate the service, not card or bank numbers.

Account, listing and conversation records are retained while needed to provide the service and resolve issues. Transaction records may need to be retained for accounting, legal and dispute obligations after an account closes. Contact us for access, correction, deletion or retention details. This build uses essential hosting and sign-in technologies and has no advertising or analytics scripts. Read Firebase privacy information and Stripe’s privacy policy.

Media

Upload only content you own or have permission to use. Do not publish confidential customer information or identifiable people without appropriate permission. A listing supports up to eight files: JPEG, PNG or WebP images up to 5 MB each, and MP4 or WebM videos up to 20 MB each. Total product media is limited to 200 MB per account. Unpublish a product to change its media. Exchange does not claim approval or endorsement by Google, Stripe, Shopify or a government.

Seller shipping and email invitations

Sellers can connect their own DHL Express account. DHL credentials are encrypted in private storage and used only on the server for that seller’s shipments. Delivery contact information is shared with DHL to obtain rates, create labels and track deliveries. Sellers pay DHL under their own shipping agreements. Labels contain address information and are available only to the seller.

Seller setup invitations are sent through Resend from report@nova-beneficia.co.uk to your verified account email. Each link requires sign-in to its intended account and expires. Your wishlist and shopping bag are stored on your browser; their contents do not synchronise to other devices.