LEGAL

Terms of Service

Last updated: 17/07/2026 · Version 1.0

1. Who we are

This website, www.eposxp.com, is operated by Nagsikap LTD trading as eposxp. (“eposxp.”, “we”, “us”, “our”), a company registered in England and Wales under company number 16940541 with its principal place of business at Cardiff, South Wales.

You can reach us at josephramos@nagsikap.com

2. About these terms

These terms govern your use of this website and, unless we have signed a separate written agreement with you, the consultancy services we provide. If we have signed a separate engagement letter or statement of work with you, that document takes priority where it conflicts with these terms.

By using this website or engaging our services, you accept these terms. If you do not accept them, please do not use the site.

3. Our services

eposxp. is a vendor-neutral EPOS and payments consultancy. We help businesses assess their existing technology, compare providers, and select and implement systems that fit how they operate. Depending on what you ask for, that can include:

  • Reviewing your current EPOS, payments, and related software stack

  • Comparing rates, terms, and functionality across providers we work with

  • Introducing you to providers and supporting the onboarding and migration process

  • Ongoing advisory support where agreed

4. Important: how we are paid, and what we are not

We may receive commission. Where you take a product or service from one of our partner providers following an introduction from us, that provider may pay us a commission or referral fee. This may be a one-off payment, a share of ongoing revenue, or both. It does not increase the price you pay compared to going direct, and it does not oblige us to recommend any particular provider — but you should know it exists. We will tell you if you ask which providers pay us and on what basis.

We are not a regulated adviser. eposxp. is not authorised or regulated by the Financial Conduct Authority. Nothing we provide is financial advice, legal advice, tax advice, or accounting advice. We give commercial and operational opinions about business technology. Where a decision has financial, legal, or regulatory consequences, take advice from someone qualified to give it.

We are not the provider. When you enter into a contract with a payment provider, EPOS vendor, or software supplier, that contract is between you and them. We are not a party to it. We do not process your payments, hold your funds, or supply the hardware or software.

5. Estimates, calculators, and projections

Our website includes tools such as savings calculators, rate comparisons, and quote builders. Everything they produce is an indicative estimate based on the information entered. Estimates are not offers, not quotes, and not guarantees.

Actual pricing depends on the provider’s own underwriting, your card mix, your transaction volumes and values, your risk profile, and the terms you ultimately agree. Figures on this site regarding typical savings or outcomes reflect past client results and are not a promise of what you will achieve.

6. Your responsibilities

Our recommendations are only as good as the information they are based on. You agree to:

  • Give us accurate, complete, and current information about your business, including honest statements, volumes, and existing contracts

  • Tell us about any contractual commitments, minimum terms, or termination penalties with your current providers

  • Read any contract you sign with a provider, and satisfy yourself that it is right for you before signing

  • Make your own final decision on any recommendation we make

We are not responsible for outcomes that follow from incomplete or inaccurate information you gave us.

7. Fees and payment

Where we charge you directly for consultancy, the fee, scope, and payment terms will be set out in writing before work begins. Unless agreed otherwise:

  • Invoices are payable within the next day of the invoice date

  • Fees are exclusive of VAT, which will be added where applicable

  • We may charge statutory interest on late payment under the Late Payment of Commercial Debts (Interest) Act 1998

Many of our engagements are provided at no direct cost to you, funded by partner commission as described in section 4.

8. Intellectual property

All content on this website — text, layout, graphics, tools, calculators, and the eposxp. name and marks — belongs to us or our licensors. You may view, download, and print content for your own internal business use. You may not republish, resell, or systematically extract it, or use it to build a competing product, without our written permission.

Deliverables we produce for you as part of a paid engagement (reports, comparisons, recommendations) are licensed to you for your internal use. We retain ownership of our underlying methods, templates, and know-how.

Third-party names and logos on this site belong to their respective owners and are used to identify those providers only.

9. Confidentiality

We treat non-public information you share with us — statements, rates, volumes, contracts, and operational detail — as confidential, and use it only to advise you and, with your permission, to obtain quotes from providers on your behalf. We expect the same from you regarding any non-public pricing or terms we share with you. See our Privacy Policy for how we handle personal data.

10. Liability

Nothing in these terms limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be limited.

Subject to that:

  • We are not liable for loss of profit, loss of revenue, loss of anticipated savings, loss of business, loss of data, or any indirect or consequential loss

  • We are not liable for the acts, omissions, performance, pricing, downtime, or insolvency of any third-party provider you contract with

  • Our total liability arising from or connected with our services is limited to the greater of the fees you paid us in the 12 months before the claim

This website is provided on an “as is” basis. We do not warrant that it will be uninterrupted or error-free.

11. Termination

Either of us may end a consultancy engagement on 30 days’ written notice, unless a separate agreement says otherwise. You remain liable for fees for work properly performed up to termination. Sections 4, 8, 9, 10, and 13 survive termination.

12. Changes

We may update these terms. The version published here at the time you engage us applies to that engagement. Material changes will be reflected in the “last updated” date above.

13. Governing law

These terms and any dispute arising from them are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction.

14. Complaints

If something has gone wrong, email josephramos@nagsikap.com with the detail and we will respond within 1-3 working days. If your complaint concerns a product supplied by a partner provider, we will help you raise it with them, but their own complaints process will apply.