Identity Verification Terms of Service

1. About Us

• Smartledger Solutions Ltd
• Company number: 15187461
• Registered office: 4 Corville Gardens, Birmingham B26 3JU, United Kingdom
• Companies House Authorised Corporate Service Provider (ACSP) number: AP002129
• Supervised for anti-money laundering purposes by the Institute of Certified Bookkeepers (ICB), Practice Number 24545
• Contact email: team@smartledgersolutions.co.uk

These Terms of Service apply only to our identity verification service. Our wider Terms & Conditions cover the rest of this website.

2. The Service

Our identity verification service lets you submit an identity document, a proof of address document, and a facial image/liveness capture, which we check using our identity verification partner, Didit, and then review ourselves before issuing a final outcome.

How we handle the information you submit is described in our Identity Verification Privacy Notice.

3. Who Can Use It

You must be at least 16 years old to submit an identity verification request through this service.

4. What You Must Do

When you use this service, you must:

• Provide information and documents that are accurate, genuine and your own
• Not submit someone else's documents or identity
• Not submit altered, forged or expired documents
• Keep any link or session we provide you for completing verification confidential

5. Fees and Payment

The fee for this service is £20.00 GBP per application, shown to you before you pay, and processed securely by our payment provider, Stripe.

6. Refund Policy

• 6.1 The fee covers our processing and review of your application. Paying the fee does not guarantee that your application will be approved.
• 6.2 If a document is rejected because it is unclear, damaged, expired, or the wrong type, you can resubmit a corrected document free of charge, at no extra cost, within 14 days of the rejection.
• 6.3 If a selfie or liveness check is rejected, you can restart that part of verification free of charge within the same 14-day window.
• 6.4 If we are unable to complete your verification because of a fault on our side, you are entitled to a full refund.
• 6.5 If your application is rejected because the information or documents you provided were false, altered, or belonged to someone else, no refund will be given.
• 6.6 Outside of the above, once your application has been submitted for processing, fees are generally non-refundable, because of the cost we incur in reviewing it.
• 6.7 To request a refund, contact us at team@smartledgersolutions.co.uk with your application reference number.
• 6.8 Approved refunds are returned to your original payment method via Stripe.

7. False Information and Reporting

You must not provide false, altered, or someone else's information or documents. Doing so may result in your application being rejected, and — because we are supervised for anti-money laundering purposes — we may be required to report suspected fraud or identity misuse to the relevant authorities.

8. Our Decisions

We assess applications based on the information and documents provided and the checks carried out by Didit. We do not guarantee a particular outcome. If your application is rejected, we will tell you why, and you may be able to resubmit corrected documents or restart verification in line with the Refund Policy above.

9. Your Information

You are responsible for ensuring that any information and documents you submit are accurate, current and complete. How we collect, use and protect this information is described in our Identity Verification Privacy Notice.

10. Our Responsibility

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot lawfully be excluded or limited under applicable law.

Subject to the above, to the extent permitted by law, our liability to you in connection with this service is limited to the fee you paid for the application giving rise to the claim. Nothing in this section is intended to exclude or restrict any statutory rights you may have as a consumer.

11. Complaints

If you are unhappy with any part of this service, please contact us at team@smartledgersolutions.co.uk with your application reference number. We aim to respond within 14 days.

12. General

These Terms are governed by the laws of England and Wales, and the courts of England and Wales will have exclusive jurisdiction over any dispute arising from them, without prejudice to any statutory rights you may have as a consumer to bring proceedings in your own country of residence.

We may update these Terms from time to time. Any updated version will be published on this page, along with an updated "Last Updated" date.