Terms of Service

These Terms govern your use of the terva.io platform, operated by TERVA.IO LTD ("Terva", "we"), a company registered in England & Wales under company number 17198553, ICO registration C1950890. Registered office: 71-75 Shelton Street, Covent Garden, London WC2H 9JQ. Contact: info@terva.io.

Terva is a B2B intelligence platform that scores UK residential addresses using publicly available property data and licensed datasets, to help home services and finance companies identify suitable prospects. We do not contact homeowners and we do not provide regulated financial advice.

• Business use only. Terva is for UK-registered businesses acting in the course of trade. Personal/consumer use is not permitted.
• GDPR compliance. You confirm you process any personal data derived from Terva outputs in accordance with UK GDPR, PECR, and any sector regulation (FCA, MCS, Gas Safe, etc.) that applies to you.
• No harassment. You will not use Terva to harass, defraud, spam, or unlawfully discriminate against any individual or household.
• No reverse engineering. You will not scrape, resell, sublicense, or attempt to recreate the Terva scoring model or underlying datasets.
• One account per organisation. Credentials may not be shared across companies.

• Subscriptions are billed monthly in advance via our payment processor (Stripe).
• All prices are in GBP and exclusive of VAT unless stated otherwise.
• Refunds: a 7-day refund window applies from the date of first payment. After 7 days, paid fees are non-refundable. Mid-cycle cancellation stops future billing but does not refund the current cycle.
• Failed payments may result in suspension of access after 7 days.

• You own the data in your account (your company details, your saved searches, notes, CRM-style annotations).
• Terva owns the platform, the scoring model, the data pipeline, the source-data licences, and all derived scores and rankings. Outputs are licensed to you for internal business use within your contracted territory and vertical for the duration of your subscription.
• You may not redistribute, resell, or publish Terva outputs to third parties.

Terva is an intelligence platform. You are solely responsible for:

• Your own outreach, including TPS/CTPS checks, PECR consent, and direct-marketing compliance.
• Maintaining the FCA, MCS, Gas Safe, NICEIC or other authorisations relevant to the work you carry out.
• Any contracts you enter into with consumers as a result of using Terva data.
• Handling subject-access, erasure, or objection requests that reach you in your capacity as an independent controller.

To the maximum extent permitted by law:

• Terva is provided "as is". Scores are probabilistic estimates, not guarantees of conversion or technical suitability. You must carry out your own site survey and due diligence before contracting with any consumer.
• Terva is not liable for indirect, consequential, or loss-of-profit damages.
• Our aggregate liability in any 12-month period is capped at the fees you paid us in that period.
• Nothing in these Terms limits liability for death, personal injury caused by negligence, fraud, or any liability that cannot be excluded under UK law.

Either party may terminate on 30 days' written notice. We may suspend or terminate immediately for material breach (including breach of clauses 3 or 5), non-payment after 7 days, or insolvency. On termination, your access ends and we will delete or anonymise your account data in line with the retention schedule in our Privacy Policy.

We may update these Terms. Material changes will be notified by email and posted here. Continued use after the effective date constitutes acceptance.

These Terms are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction over any dispute.

Questions: info@terva.io.

This DPA forms part of the Terms and applies whenever Terva processes personal data on your behalf, and to your independent processing of personal data derived from Terva outputs.

• Roles. Terva is the controller for the property and address reference data it ingests. For account and usage data, Terva acts as your processor. For any further use you make of Terva outputs (e.g. contacting a prospect), you are an independent controller.
• Subject matter & duration. Processing continues for the term of your subscription. On termination, account data is deleted or anonymised per the Privacy Policy retention schedule.
• Nature & purpose. Storage and analysis of UK property data; delivery of scored addresses to your authenticated account.
• Data types. Property and address reference data; your business contact details; usage telemetry. No special-category data, no resident contact details.
• Sub-processors. Listed in the Privacy Policy (Supabase, Cloudflare, Stripe, transactional email provider, Google Maps for geocoding, error monitoring). We will give 30 days' notice of material changes; you may terminate if you reasonably object.
• Security. Encryption in transit (TLS 1.2+) and at rest, Row-Level Security in Postgres, principle of least privilege, audit logging, regular backups.
• International transfers. Data hosted in UK / EEA. Transfers to non-adequate jurisdictions rely on UK IDTA / EU SCCs with transfer risk assessments and supplementary measures.
• Data subject rights. Terva will assist you in responding to subject access, erasure, rectification, portability, restriction, and objection requests within the timeframes required by UK GDPR.
• Breach notification. Terva will notify you of a personal data breach affecting your data without undue delay and in any case within 72 hours of becoming aware.
• Audit. Terva will make available all information reasonably necessary to demonstrate compliance, and on reasonable notice, allow for audits no more than once per year.
• Your responsibilities. You confirm you have a lawful basis (typically Legitimate Interest with a PECR-compliant approach) for any outreach you carry out using Terva outputs, that you maintain TPS/CTPS suppression where applicable, and that you honour opt-out requests received in response.