Terms & Condition

Payment Terms

Last updated: April 2024

The following terms (these “Payment Terms”) govern payments you make or receive through www.Your Trusted.com (the “Site”), operated by Your Trusted.

Your Trusted Tradesman & tool hire referred hereto as “Your Trusted” “we” or “us”.

Please read these Payment Terms carefully before making or receiving payments through the Site. By making or receiving payments through the Site, you accept and agree, on behalf of yourself or on behalf of your employer or any other entity (if applicable), to be bound and abide by these Payment Terms. These Terms are supplemental to Your Trusted’s General Terms of Service and Your Trusted Pro Terms of Service, as applicable (collectively, the “Terms of Service”).

  1. Key Terms

Capitalized terms used but not defined herein shall have the respective meanings given to them in the Terms of Service. 

Your Trusted Balance is the aggregated amount of your Revenue as a Provider and/or returned payments from cancelled bookings as a Customer and/or your Your Trusted Pro Balance (as defined in the Your Trusted Pro Terms of Service).

Payment Services Provider(s) are service providers that provide payment services to Customers and Providers in connection with the Your Trusted platform, including with respect to collection of funds from Customers in connection with purchases, remittance and withdrawal of funds to Providers and the holding of funds in connection with Your Trusted Balances.

Revenue is the money that Providers earn from completed bookings and can either withdraw or use to purchase on Your Trusted, subject to these Terms. 

  1. Receiving Payments

2.1 General

  • Each Job you are booked / hired for and successfully complete, accredits your account with revenue equal to 80% of the purchase amount.
  • Your Trusted accredits Providers once a booking is completed. See the ” bookings” section in the Terms of Service for a definition of a completed booking.
  • If a booking is cancelled (for any reason), the funds paid will be returned to the Customer’s Your Trusted Balance. 
  • Providers are responsible for paying any direct or indirect taxes, including any VAT or income tax, which may apply to them. Providers represent and warrant that they comply, and will comply at all times, with their obligations under income tax provisions of the state. The price shown on the Job page is inclusive of all such taxes and charges that may apply to the Providers.
  • Appointment as Limited Payment Collection Agent: Provider hereby appoints Your Trusted as Provider’s limited authorized payment collection agent solely for the purpose of accepting payments (via its Payment Services Provider, if applicable) from Customer, and remitting those payments to Provider. Provider agrees that payment from Customer to Your Trusted shall be considered the same as a made directly to Provider. Customer’s payment obligation to Provider will be satisfied upon receipt of payment by Your Trusted (or its Payment Services Provider, as applicable), and Your Trusted (via its Payment Services Provider, as applicable) is responsible for remitting the funds to the Provider in the manner described in these Payment Terms. In the event that Your Trusted (via Payment Services Provider) does not remit any such amounts to Provider, the Provider will have recourse only against Your Trusted and not the Customer directly. Provider agrees that Your Trusted may describe or otherwise reflect the terms contained herein in any terms of service, receipts, disclosures, or notices including, but not limited to, receipts provided to Customers that Your Trusted may deem necessary or prudent.
  • Your Trusted partners with Payment Services Providers for purposes of collecting payments from Customers, transferring such payments from Customers to Providers, and holding funds in connection with Your Trusted Balances. All payments services in connection with the withdrawal of funds on the Your Trusted platform are performed by Your Trusted’s Payment Services Providers.

2.2 Withdrawing Revenues

  • To withdraw your revenue, you must have an account with at least one of Your Trusted’s Payment Service Providers for the withdrawal methods listed below. All funds eligible for Withdrawal will be held on your behalf at an account with Your Trusted’s Payment Services Provider. All payment services, including withdrawal services, will be provided by Your Trusted’s Payment Services Provider.
  • Your “Your Trusted” profile can be associated with only one account from each Your Trusted withdrawal method. A Payment Service Provider withdrawal account can be associated with only one Your Trusted profile.
  • Revenues are only made available for withdrawal from the Revenue page following a safety clearance period of 14 days after the booking is marked as complete. Top Rated Providers are eligible to withdraw revenue following a safety clearance period of 7 days after the booking is marked as complete.
  • Providers may withdraw their revenues using one of Your Trusted’s withdrawal options (see Withdrawal Section below regarding payment terms). To withdraw your available revenue, you must click on the designated withdrawal provider to initiate the withdrawal process.
  • For security concerns, Your Trusted may temporarily disable a Provider’s ability to withdraw revenue to prevent fraudulent or illicit activity. This may come as a result of security issues, improper behavior reported by other users, or associating multiple Your Trusted accounts to a single withdrawal provider.
  • Withdrawals can only be made in the amount available to you.
  • Withdrawal fees vary depending on the withdrawal method.
  • Withdrawals are final and cannot be undone. We will not be able to reverse this process once it has begun.
  • Providers will be able to withdraw their revenues from disabled accounts after a safety period of 90 days following full verification of ownership of the account in question, from the day of the last cleared payment received in their account and subject to Your Trusted’s approval.

3.3 Withdrawal Methods

  • electronic funds transfer (EFT) – R55 per transfer*. For more information, see Pricing and Fees. Available worldwide. * Additional fees may apply based on your bank.
  1. Purchasing

4.1 General

  • Customers pay Your Trusted to create a booking from a Provider’s Job page or Custom Offer, using the Book Now button. Your Trusted partners with Payment Services Providers for purposes of collecting all payments from Customers, transferring such payments from Customers to Providers, and holding funds in connection with Your Trusted Balances. All payments services in connection with the collection of funds on the Your Trusted platform are performed by Your Trusted’s Payment Services Providers.
  • Your Trusted serves as Provider’s limited authorized payment collection agent solely for the purpose of accepting payments (via its Payment Services Provider, if applicable) from Customer, and remitting those payments to Provider. Customer’s payment obligation to Provider will be satisfied upon receipt of payment by Your Trusted (or its Payment Services Provider, as applicable), and Your Trusted (via its Payment Service Provider, as applicable) is responsible for remitting the funds to the Provider in the manner described in these Payment Terms. In the event that Your Trusted (via Payment Services Provider) does not remit any such amounts to Provider, the Provider will have recourse only against Your Trusted and not the Customer directly.
  • In most locations, purchases on Your Trusted can be made by using one of the following payment methods: Credit Card, Your Trusted Credits or existing Your Trusted Balance. Additional payment methods may apply on arrangement.
  • Service fees are added at the time of purchase where you can review and accept the total amount requested to pay. These fees cover administrative fees. As of April 2024, the service fees are 5.5% of the purchase amount.
  • Your existing Your Trusted Balance will be automatically applied to your next purchase.
  • You may not offer Providers to pay, or make payment using any method other than through the YourTrusted.co.za site. In case you have been asked to use an alternative payment method, please report it immediately to Customer Support.
  • You agree to receive invoices and/or payment receipts from Your Trusted in electronic form as PDF documents, by email or through the Site.
  • To protect against fraud, unauthorized transactions (such as money laundering), claims, or other liabilities, payment information in connection with withdrawals is collected by either Your Trusted or Your Trusted’s Payment Services Providers. Payment Services Providers may also collect such other information as necessary for the purpose of processing withdrawal payments. Your Trusted is not exposed to the payment information provided to Payment Services Providers, and this information is subject to the privacy policy applicable to the Payment Service Provider. Please see our Privacy Policy for more information.
  • By using any payment method and/or providing payment details for making purchases on Your Trusted, you represent and warrant that: (a) you are legally authorized to provide such information; (b) you are legally authorized or have permission to make payments using the payment method(s); (c) if you are an employee or agent of a company or person that owns the payment method, you are authorized by that company or person to use the payment method to make payments on Your Trusted; and (d) such actions do not violate any applicable law.

4.2 Your Trusted Credits

In certain instances, Your Trusted may offer you credits (“Your Trusted Credits” or “Credits”), either for promotional purposes or otherwise, to be used for purchasing Jobs and/or other services offered on the Site. Your available Credit balance will appear in your account. Your valid “Your Trusted Credits” will be automatically applied to your next purchase and can be viewed in your  booking summary after you place the  booking. Unless stated otherwise, Your Trusted Credits expire following three months from their receipt. Your Trusted Credits serve only as an incentive to use Your Trusted, and, therefore, are not redeemable for cash, have no cash value and are nonrefundable. Once used, Your Trusted Credits may not be returned to your account even if your booking gets canceled. Your Trusted Credits may be subject to additional conditions and restrictions as will be disclosed to You upon receipt of the Credits. Credits may be voided in the event of fraud, misuse, or violation of these Terms. Your Trusted reserves the right to modify or cancel the Your Trusted Credits program at any time. If you or Your Trusted deactivate or suspend your Your Trusted account, any unused Your Trusted Credits in your account will be forfeited.

4.5 Promo Codes

From time to time we may offer you promo codes for purchasing Jobs and/or other services offered on the Site, on special discounts. Promo Codes are valid only for purchases on Your Trusted and are subject to different time limitations and will expire after their predefined term. To exercise your promo code, simply enter the code on the checkout page. If you fail to do so, your purchase will not be eligible for the discount. Promo codes are limited to one use per user and may not be used or combined with any other promotion. For bookings that are composed of one or more milestones, the promo code will apply to the first milestone only. Promo Codes do not apply to Your Trusted Credits. Promo codes may be subject to additional conditions and restrictions as will be disclosed to you upon receipt of the promo codes. Promo codes may be voided in the event of fraud, misuse, or violation of the Terms of Service. Your Trusted reserves the right to modify or cancel promo codes at any time.

  1. Taxes
  • Your Trusted may be required by applicable laws to charge users with indirect taxes (such as VAT) or to withhold taxes. Any amount Your Trusted will be required to collect will be in addition to the purchase amount and any other fees payable by the Customer, and any amount Your Trusted will be required to withhold will be deducted from the Provider’s revenue, as required by applicable laws.
  • Indirect taxes are in addition to the price shown on the site, and in any event, any such taxes will always be displayed to the Customer before payment.
  • Users are responsible for paying any direct or indirect taxes, including any VAT, or income tax, which may apply to them depending on residency, location or otherwise, under provisions of their jurisdiction.
  1. Disputes and Cancellations

We encourage our Customers and Providers to try and settle conflicts amongst themselves. If for any reason this fails after using the Resolution Center or if you encounter non-permitted usage on the Site, users can contact Your Trusted’s Customer Support department for assistance.

6.1 Basics

  •  booking cancellations can be performed on Your Trusted, when eligible, by Your Trusted (via Customer Support or otherwise) or through the Resolution Center per booking.
  • Filing a transaction dispute or reversing a payment through your payment provider or your bank is a violation of these Payment Terms. Doing so may get your account temporarily or permanently disabled. Note: Once you have filed a dispute with your payment provider, the funds will be ineligible for a refund due to our obligations towards the payment provider.
  • In the event that you encounter an issue related to the service provided in a booking, you are encouraged to use the Site’s dispute resolution tools to attempt to resolve the matter.
  • Your Trusted, through its Payment Services Provider, reserves the right to cancel bookings or place funds on hold for any suspected fraudulent transactions made on the Site.
  • All transfer and assignment of intellectual property to the Customer shall be subject to full payment and the delivery may not be used if payment is canceled for any reason.
  • If a booking is canceled (for any reason), the funds paid will be returned to the Customer’s Your Trusted Balance.
  • Requesting to gain more services from Providers beyond the agreed is not allowed.

6.2 booking Cancellations

  • Your Trusted encourages Customers and Providers to resolve service disputes mutually using the Resolution Center.
  • Eligibility for requests to Your Trusted to cancel a booking will be assessed by Your Trusted based on a number of factors, including violations of our Terms of Service and/or our Community Standards, general misconduct, and improper usage of the Your Trusted delivery system. See below for booking specific eligibility.
  • Completed bookings (or, where applicable, completed milestones) may be cancelled, upon review of our Customer Support team, up to 14 days after the booking (or Milestone) is marked as complete. Please be advised that bookings cannot be partially cancelled (i.e. we can only cancel the entire booking when it is justified).
  • In rare circumstances where we find it appropriate, our Customer Support team may cancel a completed booking even after 14 days have passed from its completion. In such cases, the amounts paid for the cancelled booking will be returned to the Customer’s Your Trusted Balance and will be deducted from the Provider’s Your Trusted Balance or, if there are no sufficient amounts in the Provider’s Your Trusted Balance, from future revenues of such Provider.
  •  bookings are not eligible to be cancelled based on the quality of service/materials delivered by the Provider if the service was rendered as described in the Job Page. You may rate your experience with the Provider on the booking Page, including the overall level of service quality received.
  • You must use Your Trusted Resolution Center to address your concerns and desired resolution related to the service provided by their Provider prior to contacting Customer Support. Customer Support will not take any action against bookings where the applicable has failed to inform their Provider of issues related to the Provider’s service and will allow Providers to provide a resolution first. This does not include non-permitted usage of Your Trusted.
  • Any non-permitted usage of Your Trusted encountered during a booking, after being reviewed by our Customer Support team, may result in the booking being cancelled. This includes, but not limited to; harassment, unlawful behaviour, or other violations of Your Trusted’s Terms of Service.
  • Your Trusted will cancel bookings based on, but not limited to, the following reasons:

Active bookings (after requirements were submitted to the Provider and before the Provider delivers on Your Trusted):

  • The Provider is late and unresponsive for more than 24 hours while the booking is marked as Late.
  • Users are abusive towards the other party through threats of low ratings or leveraging booking materials (such as logins, personal information) against each other.
  • Users supplied or included copyright/trademark infringing materials as part of their requirements or the Provider’s delivery.
  • The user is no longer an active Your Trusted user due to Terms of Service violations or closure of their account.

Delivered / Completed bookings 

  • The Provider Does not show up / Deliver as agreed upon. Note: Multiple reported offenses will result in permanent suspension of your account.
  • The Provider delivers no proof of work related to the agreed upon booking requirements. Note: Subjectivity of the materials in question will be reviewed by our Customer Support team.
  • The Provider requests additional payments, on or off the Your Trusted platform, by withholding the final delivery of services directly related to the agreed requirements.
  • The Provider is withholding the final delivery of services for improved ratings.
  • Users who abuse the Request Revisions button to gain more services from Providers beyond the agreed requirements.
  • Users who threaten to leave a damaging review to gain more services from the Provider not related to the agreed requirements.

Completed bookings (after the booking is marked as complete and before the 14-day limitation):

  • Your Trusted Customer Support will review cases of booking delivery manipulation that prevents users from fully utilizing our Resolution Center that enabled the booking to be marked as complete.

6.3 Chargebacks 

  • Your Trusted reviews cases of payment provider chargebacks and disputes on behalf of Providers. Although results vary per case due to each chargeback reason, we work hard on resolving disputes in the Provider’s favour. If the chargeback case allows, Your Trusted (or one of Your Trusted’s Payment Services Providers) will return parts or full revenue back to Providers, otherwise the chargeback amount will be borne by the Provider. 

6.4 Refunds

  • Your Trusted does not automatically refund payments made for cancelled bookings back to your payment provider. Funds from booking cancellations are returned to the Customer’s Your Trusted Balance and are available for future purchases on Your Trusted.
  • Refunds from Customer’s Your Trusted Balance (i.e. refunds directly to your payment provider) can be requested from the billing page. The refund will be based on your payment method(s) and amount . To prevent fraud and abuse, we limit the total amount of times users can request a payment provider refund, which is subject to review by our Customer Support team. Such refunds may be subject to an additional fee.
  • Providers may offer a partial refund with respect to a specific  booking to the Customer. Upon acceptance by the Customer of such partial refund, the amount will be automatically refunded to the Customer‘s payment method. In the event that Your Trusted will not be able to refund the agreed amount to Customer’s payment method, such amount will be added to Customer’s Your Trusted Balance.
  1. General Terms

7.1 Modifications

  • Your Trusted may make changes to these Payment Terms from time to time. When these changes are made, Your Trusted will make a new copy of the terms available on this page.
  • You understand and agree that if you use Your Trusted after the date on which the Payment Terms have changed, Your Trusted will treat your use as acceptance of the updated Payment Terms.

7.2 Disclaimer of Warranties

YOUR USE OF THE SITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE SITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER YOUR TRUSTED NOR ANY PERSON ASSOCIATED WITH YOUR TRUSTED MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE SITE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

7.3 Limitation on Liability

IN NO EVENT WILL YOUR TRUSTED, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.

IN ACCEPTING LIABILITY AS THE LIMITED AUTHORIZED PAYMENT COLLECTION AGENT OF PROVIDER, YOUR TRUSTED AND ITS AFFILIATES ASSUME NO LIABILITY FOR ANY ACTS OR OMISSIONS OF PROVIDER.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

The term “Affiliate” referred to herein, is an entity that, directly or indirectly, controls, or is under the control of, or is under common control with Your Trusted, where control means having more than fifty percent (50%) voting stock or other ownership interest or the majority of voting rights of such entity.