Terms of business

Which Terms of Business Agreement (TOBA) applies to me?

Consumer TOBA

If you are an individual who is acting outside of your trade, profession or business then you are deemed to be a consumer.

Commercial TOBA

Anyone who does not fall within the definition of consumer, is deemed to be a commercial client.

Please see below for links to download our terms of business PDFs.

Download consumer business terms

Download commercial customer charter