Shop Local

Seller terms and Conditions

These Shop Local Seller Terms and Conditions (the "Seller Terms") form the agreement between you, as a business listing goods, food or groceries through the Shop Local feature of the LoqivaDev platform (the "Hub"), and Loqiva Limited and the Hub Provider, as defined below. By applying for or maintaining a Shop Local seller account, you confirm that you have read these Seller Terms, that you have authority to bind the business you represent, and that the business agrees to comply with them.

These Seller Terms supplement and form part of our Terms of Use and our Privacy Policy . Where there is any conflict between these Seller Terms and the Terms of Use, these Seller Terms apply to your use of Shop Local as a seller.

1. The parties

1.1 Loqiva. "Loqiva" means Loqiva Limited, registered in England and Wales under company number 11212570 and with its registered office at The Granary, Hermitage Court, Hermitage Lane, Maidstone, Kent, ME16 9NT. Loqiva is the technology provider for the Hub and Shop Local.

1.2 Hub Provider. The "Hub Provider" is Canterbury BID / Canterbury City Council, the local organisation that operates the Hub. The Hub Provider decides which businesses are eligible to list through Shop Local in this Hub.

1.3 You / the Seller. "You" or "the Seller" means the business listing items through Shop Local, including any individual you authorise to access your seller account.

1.4 Buyer. "Buyer" means a person who places an order with you through Shop Local.

1.5 Stripe. "Stripe" means Stripe Payments Europe Limited, Stripe Payments UK, Ltd and their affiliates, who provide the payment infrastructure used by Shop Local.

In these Seller Terms, "Item" means any product, food, grocery or other thing you list for sale through Shop Local.

2. The Seller is the Merchant of Record

2.1 You are the seller of every Item you list through Shop Local and the merchant of record for every transaction. The contract for the sale of an Item is made directly between you and the Buyer when you accept the Buyer's order. Loqiva and the Hub Provider are not parties to that contract.

2.2 You are solely responsible for:

the Items you list, including descriptions, images, prices, weights, ingredients, allergens, country of origin, and any other product information;
the quality, safety, legality and fitness for purpose of those Items;
holding all licences, registrations, permissions and insurance required for your business and for the Items you sell, including (where applicable) food business registration, alcohol licensing, age verification controls, and trading standards compliance;
delivery, collection, fulfilment and any associated logistics;
providing accurate VAT receipts and complying with all VAT and tax obligations;
giving Buyers customer service in line with your published policies and the law;
handling complaints, returns, refunds, cancellations and disputes;
complying with all laws applicable to your business, including the Consumer Rights Act 2015, the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, the Food Information Regulations 2014, the Food Safety Act 1990, the Equality Act 2010, the Trade Marks Act 1994, the UK General Data Protection Regulation, the Data Protection Act 2018, the Bribery Act 2010, the Modern Slavery Act 2015, and any other legislation applicable to the Items you sell or your conduct.

2.3 Loqiva and the Hub Provider provide the technology and the local marketplace context. They do not own, supply, store, deliver or take title to any Item you sell. They do not endorse, certify, rate or guarantee any Seller or Item beyond the basic onboarding checks described in clause 3.

3. Application, onboarding and verification

3.1 To list through Shop Local you must apply to the Hub Provider and complete onboarding.

As part of onboarding you must:

provide accurate information about your business, including legal name, trading name, registered office or principal place of business, company or partnership number (where applicable), VAT number (where applicable), and contact details;
provide details of one or more authorised representatives, with valid identification where required for verification;
create and verify a Stripe connected account (see clause 4);
accept these Seller Terms and any Hub-specific rules;
provide any further information reasonably requested for compliance, fraud prevention or risk management.

3.2 The Hub Provider may accept or reject applications at its discretion. Loqiva may also decline to onboard a Seller, or require additional information, where doing so is necessary to comply with Stripe's requirements, applicable law, or fraud and risk controls.

3.3 You must keep all information about your business and your authorised representatives accurate and up to date and notify us promptly of any material change, including changes of managership, control, registered details, banking details or VAT status.

4. Stripe Connect

4.1 Payments through Shop Local are processed by Stripe using Stripe Connect. To accept payment from Buyers you must create and maintain a Stripe connected account, complete Stripe's Know Your Customer and Know Your Business checks, and accept Stripe's Connected Account Agreement and Stripe Services Agreement (together, the "Stripe Agreements"). The Stripe Agreements are a separate contract between you and Stripe.

4.2 Your right to accept payments through Shop Local depends on your Stripe connected account remaining in good standing under the Stripe Agreements. If Stripe suspends, restricts or terminates your connected account, your access to Shop Local payments may be suspended or terminated automatically.

4.3 Stripe is the regulated payment service provider. Loqiva and the Hub Provider are not regulated payment institutions, do not hold Buyer or Seller funds, and do not act as a payment service provider. Funds for your sales are held and settled by Stripe in accordance with the Stripe Agreements.

4.4 You authorise Loqiva, as your platform provider for Stripe Connect purposes, to give instructions to Stripe on your behalf in respect of charges, refunds, transfers, fees and other actions necessary to operate Shop Local. This authority does not make Loqiva responsible for the correctness of any underlying transaction or for the goods or services you supply.

4.5 You must comply with Stripe's restricted business rules and prohibited use policy at all times. A breach of those rules may result in Stripe taking action against your connected account independently of these Seller Terms.

5. Fees

5.1 Two types of fee apply to transactions through Shop Local:

(a) Stripe fees. Stripe charges processing, payout, dispute, currency conversion and other fees in accordance with Stripe's published pricing for the United Kingdom, as set out in the Stripe Agreements and at stripe.com. Stripe fees apply per transaction and are deducted from the gross amount paid by the Buyer. As at the date of these Seller Terms, Stripe's standard UK card processing fee is 1.5% plus 20p per transaction for UK-issued cards, with higher rates for cards issued outside the UK and for currency-converted payments. These rates are set by Stripe and may change.

(b) Platform fee. Loqiva charges a platform fee on top of Stripe's fees. The platform fee is the amount disclosed to you during onboarding and shown in your seller dashboard. The platform fee is taken automatically through Stripe Connect at the point of payment. Where the Hub Provider takes a share of the platform fee for it’s Town Fund, this will be stated as part of general information about the Hub.

5.2 Both Stripe fees and the platform fee may change from time to time. We will give you notice of any change to the platform fee as required by law or by Stripe. Stripe's fees may change in accordance with the Stripe Agreements; the notice period for those changes is set by Stripe.

5.3 If you continue to use Shop Local after a fee change takes effect, you accept the revised fees. If you do not accept a fee change, your remedy is to stop listing new Items and to close your seller account in accordance with clause 17.

5.4 Fees are exclusive of VAT, which will be added where applicable. We will issue you with a VAT invoice for the platform fee where you are entitled to one.

5.5 You are responsible for setting your prices at a level that takes account of Stripe fees, the platform fee, your tax obligations, your costs of fulfilment and your margin. Loqiva and the Hub Provider do not set or recommend prices.

5.6 Stripe does not refund its processing fee when you issue a refund to a Buyer. The platform fee is also not refunded to you on refunded transactions, unless we agree otherwise in writing or the law requires otherwise.

6. Payouts and bank transfers

6.1 When a Buyer pays for an order, the funds are received into your Stripe connected account, net of Stripe fees and the platform fee. Stripe holds those funds and pays them out to your nominated UK bank account in accordance with the Stripe Agreements and your Stripe payout settings.

6.2 As at the date of these Seller Terms, Stripe's standard payout schedule for new UK connected accounts is the first payout approximately 7 days after your first successful charge, followed by a rolling 2 business day schedule for later payouts. Stripe may change this schedule, hold a payout, or apply a longer rolling period based on its risk assessment of your account, as set out in the Stripe Agreements.

6.3 Bank transfers are made by Stripe through Faster Payments or Bacs, depending on Stripe's processes. The time taken for funds to appear in your bank account is determined by Stripe and your bank. Loqiva and the Hub Provider do not control payout timing and are not responsible for delays caused by Stripe, your bank, or any intermediary.

6.4 Stripe may apply a reserve, hold or rolling reserve to your connected account at its discretion, particularly where there is increased risk of chargebacks, fraud or non-delivery. Where a reserve applies, your payouts may be delayed or reduced for the period the reserve is in place. Reserves are governed by the Stripe Agreements.

6.5 You must keep your nominated bank account details current. We are not responsible for funds sent to an account that is incorrect or out of date because you failed to update your details.

7. Listings and Seller content

7.1 You are responsible for the content of your listings, including written descriptions, photographs, videos, prices, allergen and ingredient declarations, weights, sizes, country of origin, age restriction notices, and any other information you provide.

7.2 Listings must:

be accurate, complete and not misleading;
describe Items in sufficient detail to allow a Buyer to make an informed decision;
include all information required by law for the Item type, including allergen information for prepacked food, ingredient lists, and age restriction warnings;
not infringe the intellectual property rights of any other person;
comply with the Acceptable Use rules in our Terms of Use;
comply with the Consumer Protection from Unfair Trading Regulations 2008 and the Digital Markets, Competition and Consumers Act 2024.

7.3 You grant Loqiva and the Hub Provider a non-exclusive, royalty-free, worldwide licence to host, store, copy, display, adapt the format of, and distribute your listing content within the Hub and through Shop Local, and to use it for promotional purposes related to the Hub. This licence ends when the listing is removed, except for content already used in promotional materials produced before removal.

7.4 Loqiva and the Hub Provider may remove or edit a listing without notice where they reasonably believe it breaches these Seller Terms, our Terms of Use, the Stripe Agreements or applicable law, or where required by a regulator, law enforcement body or court.

8. Restricted, age-restricted and prohibited Items

8.1 You may only list Items that you are lawfully entitled to sell to consumers in the United Kingdom. You must not list Items that fall within Stripe's restricted business categories, where doing so would breach the Stripe Agreements.

8.2 Where you list age-restricted Items, you are responsible for:

holding all licences and permissions required to sell those Items;
displaying clear age restriction notices in the listing;
verifying the age of the Buyer at the point of delivery or collection, including refusing to hand over the Item if you are not satisfied that the Buyer is of legal age;
complying with any "Challenge 25" or equivalent policies that apply to your sector.

8.3 You must not list Items that are restricted by Loqiva. These are: Alcohol, Tobacco and Vaping Products; Fireworks and Sparklers; Lottery Tickets and Scratch Cards; Chemicals, Petrol and Aerosols, Cosmetic Treatments (Botox and Fillers); Cigarette Lighters and Refills, Media with Adult Ratings; Knives, axes, razor blades; Newspapers, magazines with any R18 content; Solvents, including glues and intoxicating substances; Weapons and Firearms.

8.4 You must not list Items that are unlawful to sell, that infringe the intellectual property of others, or that are otherwise prohibited under our Acceptable Use policy.

9. Pricing, VAT and taxes

9.1 You set the price of your Items. Prices must be displayed in pounds sterling, must be inclusive of VAT where you are VAT-registered, and must be the actual price the Buyer pays at checkout, save for delivery and any other charges that are clearly disclosed at checkout.

9.2 You are responsible for all VAT, income tax, corporation tax and other taxes arising from your sales through Shop Local, including registering for VAT where you exceed the threshold, charging VAT correctly, issuing VAT invoices, and accounting to HMRC for the tax due. Loqiva and the Hub Provider do not act as a deemed seller for VAT purposes for sales made through Shop Local.

9.3 Where the law requires Loqiva or the Hub Provider to report or share information about your sales with HMRC or other authorities, including under the OECD Model Reporting Rules for Digital Platforms as implemented in the UK, you authorise us to do so and agree to provide the information we reasonably need to comply.

10. Fulfilment, delivery and customer service

10.1 You set your own collection terms, which are displayed at checkout and comply with applicable law.

10.2 You must fulfil orders within the timescales you publish, or within a reasonable time if no timescale is published. Where you cannot fulfil an order, you must notify the Buyer promptly and offer a refund or alternative remedy in line with the Buyer's statutory rights.

10.3 You must provide Buyers with a means to contact you about their orders. The contact details shown to Buyers in their order confirmations and receipts will be the details you provide in your business account, and you must keep those details current.

10.4 Loqiva and the Hub Provider do not handle customer service for your Items. Buyers will be directed to you for any question or complaint about an order.

11. Consumer law and refunds

11.1 You are responsible for honouring all rights that Buyers have under UK consumer law, including:

the right to goods of satisfactory quality, fit for purpose and as described under the Consumer Rights Act 2015;
the right to cancel a distance contract within 14 days under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, subject to the standard exceptions for perishable goods, made-to-order or personalised items, sealed goods unsealed for hygiene reasons, and prepared food and drink for immediate consumption;
the right to a repair, replacement, price reduction or refund where Items are faulty or not as described.

11.2 You must publish a clear refunds and returns policy in your listings or seller profile. Your published policy must not seek to exclude or limit any right that a Buyer has under UK consumer law.

11.3 Where you agree to issue a refund, or where the law requires you to do so, you must process the refund through Stripe Connect within the timescales required by law (and in any event within 14 days where the Buyer exercises a statutory right to cancel). Refunds are made to the Buyer's original payment method.

11.4 If your Stripe balance is insufficient to fund a refund, Stripe may debit your nominated bank account or take other action under the Stripe Agreements. You remain responsible for funding the refund regardless of how Stripe collects it.

11.5 As noted in clause 5.6, Stripe processing fees and the platform fee are not normally returned on refunded transactions.

12. Chargebacks and disputes

12.1 A Buyer may dispute a charge through their card issuer or bank. This is known as a chargeback. Chargebacks are governed by card network rules and the Stripe Agreements.

12.2 When a chargeback is raised, Stripe will normally debit the disputed amount from your Stripe balance pending the outcome. Stripe will also charge a chargeback or dispute fee. You are responsible for responding to chargebacks, providing evidence to Stripe within the timescale Stripe sets, and bearing the financial consequences of any chargeback that is decided against you.

12.3 Loqiva and the Hub Provider will not represent you in chargeback disputes and have no authority to overturn a chargeback decision. We may share relevant information with Stripe, the Buyer or the card issuer where doing so is necessary or required.

12.4 Persistent or excessive chargebacks may result in Stripe imposing a reserve, suspending your connected account, or terminating your right to accept payments. They may also result in suspension or termination under these Seller Terms.

13. Negative balances

13.1 Refunds, chargebacks, fees and other deductions can cause your Stripe balance to fall below zero. If your Stripe balance is negative, you must:

replenish it promptly, including by allowing Stripe to debit the negative amount from your nominated bank account;
continue to fulfil pending orders unless we agree otherwise.

13.2 Where Loqiva is responsible to Stripe for negative balances on your connected account, you indemnify Loqiva on demand for any amount Stripe deducts from Loqiva's account or reserves to cover your negative balance. Loqiva may set this off against any amounts otherwise due to you.

13.3 A persistent negative balance may result in suspension or termination under these Seller Terms.

14. Acceptable use

14.1 In addition to the Acceptable Use rules in our Terms of Use, you must not:

use Shop Local for any unlawful purpose, or to facilitate fraud, money laundering or sanctions evasion;
attempt to take a transaction off-platform once it has been initiated through Shop Local, or solicit Buyers to transact outside Shop Local in a way that avoids Stripe fees or the platform fee;
create more than one seller account for the same business without our consent, or use a seller account to list Items belonging to a different business;
manipulate listings, search rankings, reviews or ratings, including by submitting false reviews, paying for reviews, or interfering with reviews of competitors;
contact Buyers for marketing purposes without their lawful consent, or use Buyer personal data for any purpose other than fulfilling and supporting the order;
introduce viruses, malware or other harmful code, or interfere with the operation, integrity or security of Shop Local;
circumvent or attempt to circumvent any technical measure we use to administer Shop Local.

14.2 Loqiva and the Hub Provider may at any time, in their reasonable discretion, suspend or remove a listing, suspend access to your seller account, or take other action where they believe there has been a breach of these Seller Terms or our Terms of Use.

15. Reviews and ratings

15.1 Shop Local may allow Buyers to leave reviews and ratings about you and your Items. Reviews are the views of the Buyer, not of Loqiva or the Hub Provider.

15.2 You must not:

offer any incentive to a Buyer in exchange for a review;
post or arrange for the posting of false reviews about your own business or any other business;
use the messaging or contact features of Shop Local to pressure a Buyer to change or remove a review.

15.3 We may, but are not obliged to, moderate reviews and may remove a review that we reasonably believe breaches these Seller Terms or applicable law.

16. Data protection

16.1 When a Buyer places an order, certain personal data, including name, contact details and delivery address, is shared with you so that you can fulfil the order, comply with legal requirements and provide customer service.

16.2 You and we are separate and independent data controllers in relation to Buyer personal data we each process. You must:

only use Buyer personal data for the purposes of fulfilling the order, providing customer service, and complying with your legal obligations;
not use Buyer personal data for unsolicited marketing without the Buyer's lawful consent;
comply with the UK GDPR, the Data Protection Act 2018 and the Privacy and Electronic Communications Regulations 2003;
have your own privacy notice that explains how you process Buyer personal data;
have appropriate technical and organisational measures in place to protect Buyer personal data;
notify Loqiva without undue delay of any personal data breach affecting Buyer personal data that you obtained through Shop Local.

16.3 If Loqiva or the Hub Provider is found to be a joint data controller with you in respect of Buyer personal data, and one of them suffers a fine, claim, regulatory action or other loss arising from your acts or omissions in that capacity, you will indemnify them in accordance with clause 19.

17. Suspension and termination

17.1 You may close your seller account at any time by notifying us in your seller dashboard. Closure does not relieve you of your obligations in respect of orders you have already accepted, refunds owed to Buyers, or amounts owed to Loqiva, the Hub Provider or Stripe.

17.2 Loqiva and the Hub Provider may suspend or terminate your seller account, remove your listings, or restrict your access to Shop Local, immediately and without compensation, where:

you breach these Seller Terms, our Terms of Use, the Stripe Agreements, or applicable law;
Stripe suspends, restricts or closes your connected account;
we reasonably believe your account presents a fraud, security, regulatory or reputational risk;
the Hub Provider ceases to be a customer of Loqiva, or Shop Local is discontinued in this Hub;
you persistently receive customer complaints, chargebacks or negative reviews that we reasonably consider to demonstrate a failure to deal fairly with Buyers.

17.3 Loqiva or the Hub Provider may also terminate your seller account on 30 days' written notice without giving a reason.

17.4 On termination, you must promptly fulfil any orders already accepted, deal with any outstanding refunds, and pay any outstanding amounts owed. The provisions of these Seller Terms that are intended to survive termination, including liability, indemnity, fees due, data protection and governing law, will continue to apply.

18. Confidentiality

18.1 You must keep confidential any information about Loqiva, the Hub Provider or Shop Local that is not in the public domain, including platform fees, technical information, commercial terms, and any non-public information about Buyers or other Sellers that you receive through Shop Local. You may use such information only for the purposes of operating as a Seller in accordance with these Seller Terms.

18.2 This obligation does not apply to information that you can show was already in your possession on a non-confidential basis, that is or becomes publicly available without breach by you, or that you are required to disclose by law or a court of competent jurisdiction.

19. Indemnity

You agree to indemnify Loqiva and the Hub Provider on demand against all losses, costs (including reasonable legal costs), damages, liabilities, fines, penalties and claims that they suffer or incur arising from or in connection with:

any Item you list or sell, including any claim that the Item is faulty, unsafe, infringing, mislabelled, misdescribed or unlawful;
your failure to fulfil an order, issue a lawful refund, or otherwise comply with your obligations to a Buyer;
your breach of these Seller Terms, our Terms of Use, the Stripe Agreements or any applicable law;
any chargeback, refund, negative balance or fee shortfall on your connected account that Loqiva or the Hub Provider is required to fund to Stripe;
any breach by you of data protection law in relation to Buyer personal data;
any third party claim that arises from your acts or omissions in connection with Shop Local.

20. Limitation of liability

20.1 Nothing in these Seller Terms excludes or limits the liability of any party for:

death or personal injury caused by negligence;
fraud or fraudulent misrepresentation;
any other liability that cannot be excluded or limited under the laws of England and Wales.

20.2 Subject to clause 20.1, and to the maximum extent permitted by law, Loqiva and the Hub Provider are not liable to you in contract, tort (including negligence), breach of statutory duty or otherwise for any loss or damage arising under or in connection with these Seller Terms or your use of Shop Local for:

any loss of profits, sales, business, revenue, anticipated savings, business opportunity, goodwill or reputation;
any indirect or consequential loss;
any loss arising from the acts or omissions of Stripe, a Buyer, another Seller, a card issuer, a bank, a delivery provider, or any other third party;
any failure of, interruption to, or unavailability of Shop Local, the Hub or any feature, including failures caused by maintenance, security incidents, or matters beyond our reasonable control;
any loss of data, content or listings;
any change to fees, payout schedules or platform features made in accordance with these Seller Terms;
any decision by Stripe in respect of your connected account, including the imposition of reserves, holds, payout delays, fee changes, suspension or termination.

20.3 Subject to clause 20.1, and to the maximum extent permitted by law, the total aggregate liability of Loqiva and the Hub Provider to you in any 12-month period in connection with these Seller Terms or your use of Shop Local is limited to the greater of (a) the platform fees paid by you to Loqiva in the 12 months preceding the event giving rise to the claim, and (b) £500.

20.4 This clause 20 reflects the commercial allocation of risk between us, taking account of the fact that Shop Local is a marketplace facilitation service in which the Seller is the merchant of record and the principal economic actor. You acknowledge that the limitations are reasonable on that basis.

21. Changes to these Seller Terms

21.1 We may revise these Seller Terms from time to time. Where the change is material, we will give you notice by email to the address on your seller account or by notice in your seller dashboard. Where the change is required by law, by Stripe, or to address a security or fraud risk, we may apply it on shorter notice.

21.2 If you do not accept a change, your remedy is to close your seller account in accordance with clause 17 before the change takes effect. Continued use of Shop Local after the change takes effect means you accept the revised Seller Terms.

22. General

22.1 Status. You are an independent business. Nothing in these Seller Terms creates a partnership, joint venture, agency, employment relationship or franchise between you and Loqiva or the Hub Provider.

22.2 Entire agreement. These Seller Terms, our Terms of Use, our Privacy Policy, the Stripe Agreements and any onboarding terms agreed between you and the Hub Provider together set out the entire agreement between us in relation to Shop Local. They replace any prior agreement or understanding on the subject.

22.3 Third party rights. The Hub Provider may enforce these Seller Terms in its own right under the Contracts (Rights of Third Parties) Act 1999. No other person who is not a party has the right to enforce these Seller Terms.

22.4 Assignment. You may not assign or transfer your rights or obligations under these Seller Terms without our written consent. We may assign or transfer ours without your consent where this does not materially reduce your rights.

22.5 Severability. If any provision is held by a court to be unlawful or unenforceable, the rest will continue to apply.

22.6 No waiver. A failure or delay in enforcing any provision is not a waiver of the right to enforce it later.

22.7 Set-off. Loqiva may set off any amount owed by you against any amount owed to you under these Seller Terms.

22.8 Notices. Notices to you may be given by email to the address on your seller account or through your seller dashboard. Notices to us must be sent to helpdesk@loqiva.com.

22.9 Force majeure. No party is liable for failure or delay caused by events beyond its reasonable control, including acts of God, war, civil disturbance, industrial action, failure of telecommunications or power, cyber attacks, pandemic, or acts of a regulator or government.

23. Governing law and jurisdiction

These Seller Terms, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. You and we agree to the exclusive jurisdiction of the courts of England and Wales.

24. Contact

For questions about these Seller Terms or your seller account, please contact us