Terms of Service

Last updated 7 September 2026

These terms are a contract between you and Piccadealy (Hoxton Vibes Ltd, a company registered in England and Wales, number 17437613, registered office 27 Old Gloucester Street, London, United Kingdom, WC1N 3AX). They cover the storefront service at piccadealy.com: claiming a handle, selling through a store, and buying from one. By claiming a handle or completing a purchase you agree to them. If you do not agree, do not use the service.

1. Who does what

A creator claims a handle and sells their own digital products, courses, calls and tips through a store at piccadealy.com/@handle. A buyer pays for those through the store. Piccadealy provides the store, takes the payment on the creator's behalf through Stripe, delivers digital files, and pays the creator out. The creator is the seller of what is sold; Piccadealy is the platform and payment agent, not the author of the creator's content.

2. Accounts and handles

• Creators sign in with an email link or a passkey. You are responsible for the email account and devices that can sign in as you.
• Handles are first come, first served. We may reclaim a handle that impersonates a person or brand, infringes a trademark, or has been inactive for twelve months, and we will tell you first where we can.
• Buyers do not need an account. A purchase is delivered to the email address given at checkout.

3. What creators agree to

• You own, or have the right to sell, everything you list and everything you deliver.
• You deliver what you sold. A download must contain the files described; a call must take place as described; a course must be what the listing says it is.
• No adult content, weapons, drugs, gambling, counterfeit goods, financial or medical advice presented as professional, anything unlawful where you or your buyers are, or anything Stripe's restricted businesses list excludes.
• You are responsible for your own taxes on what you earn, and for any consumer-law duties that apply to what you sell.
• When you claim a handle you accept Stripe's Connected Account Agreement, which we record with the time and the address you accepted from. Stripe will ask you to verify your identity and add a bank account before you can withdraw.

4. Fees

The Free plan costs nothing monthly and takes 8% of each sale, capped at 99 in your store's currency per calendar month. The Pro plan is a monthly subscription with no per-sale fee from us. On both plans, Stripe's processing fee on each sale is deducted from your share, at the amount Stripe charged; it is shown on every order in your dashboard. The current prices are shown in your dashboard and on the home page; we will give thirty days' notice of a change by email.

5. Payments, holding and withdrawals

• Payments are taken by Piccadealy through Stripe. Your share of each sale is held for you from the moment it is paid and is yours to withdraw once it has cleared, seven days after the sale, from your dashboard.
• Withdrawals go to the bank account you add through Stripe. Stripe pays out on its own schedule, usually within a few business days.
• A refund or chargeback after you have withdrawn is deducted from what you are next owed. If nothing is owed, we may ask you to repay it.
• We may hold a withdrawal while Stripe verifies your identity, while a dispute is open, or where we reasonably suspect fraud. We will tell you why.

6. What buyers agree to

• A purchase gives you a personal, non-transferable licence to use the content. It does not transfer copyright, and it does not allow resale or redistribution.
• Digital files are delivered by a link sent to your email. Links expire and can be re-requested from your purchase page.
• By buying digital content you ask us to deliver it immediately, and you acknowledge that once delivery has begun the fourteen-day right to cancel under UK consumer law no longer applies. Our refund policy says what can still be refunded.

7. Content and conduct

We may remove a listing, a store or an account that breaks these terms, the law, or Stripe's rules, and we may do so without notice where the harm is serious. Where we can, we will explain and give you the chance to fix it. You may close your store at any time; funds you are owed are still paid out under section 5.

8. Our liability

We provide the service with reasonable care and skill. We are not liable for the content a creator sells, for losses that were not a foreseeable result of our breaking these terms, or for business losses such as lost profit. Nothing here limits liability for death, personal injury, fraud, or anything the law does not allow us to limit. Our total liability to you in any twelve months is limited to the fees you paid us in that period, or £100 if you paid none.

9. Changes, law and contact

We may update these terms; the date at the top says when. Material changes are announced by email to creators thirty days ahead. These terms are governed by the law of England and Wales and the courts there, without affecting any consumer rights you have where you live. Questions go to hello@piccadealy.com.