1. General Disclaimer and Consumer Rights
Important Notice: NOYAXI provides a cooperative ride-sharing platform to connect passengers with drivers. This disclaimer is subject to UK consumer protection laws, including the Consumer Rights Act 2015, which provides you with statutory rights that cannot be excluded or limited.
Platform Service Description
NOYAXI operates as a technology platform that facilitates connections between passengers seeking transportation and independent cooperative drivers. We do not provide transportation services directly, nor do we own, operate, or control any vehicles used in the provision of transportation services.
Consumer Protection Compliance
Your Rights: Nothing in this disclaimer affects your statutory rights under UK consumer protection legislation, including:
- Consumer Rights Act 2015 - right to services performed with reasonable care and skill
- Consumer Protection from Unfair Trading Regulations 2008
- Unfair Contract Terms Act 1977
- Supply of Goods and Services Act 1982
2. Nature of Service and Legal Framework
Platform Role and Responsibilities
NOYAXI serves as:
- A digital marketplace connecting passengers and drivers (regulated under e-commerce legislation)
- A booking and payment processing platform (subject to Payment Services Regulations 2017)
- A communication facilitator between users (compliant with Electronic Commerce Regulations 2002)
- A cooperative support system for independent drivers (governed by Co-operative and Community Benefit Societies Act 2014)
Driver Independence and Consumer Protections
Key Point: All drivers using the NOYAXI platform are independent members of our cooperative, not employees. However, we maintain quality standards and dispute resolution procedures to protect consumer interests.
Drivers are responsible for:
- Vehicle maintenance, insurance, and roadworthiness (MOT compliance)
- Compliance with local traffic laws and Private Hire Vehicle licensing
- Professional conduct and customer service standards
- Route selection and driving decisions
- Vehicle cleanliness and safety standards
Consumer Service Standards
Despite driver independence, NOYAXI maintains:
- Quality assurance procedures for driver vetting
- Customer complaint handling systems
- Refund and compensation policies where appropriate
- Safety monitoring and incident response protocols
3. Limitation of Liability and Consumer Protections
Service Availability and Reasonable Expectations
While NOYAXI strives to provide reliable service, we cannot guarantee:
- Availability of drivers at any specific time or location
- Response times for ride requests (though we aim for reasonable service levels)
- Completion of journeys within estimated timeframes (subject to traffic and external factors)
- Uninterrupted platform operation (though we maintain 99.5% uptime targets)
Consumer Rights Protection: Under the Consumer Rights Act 2015, services must be performed with reasonable care and skill. Where NOYAXI fails to meet this standard, you may be entitled to:
- Repeat performance of the service
- Price reduction or refund
- Compensation for foreseeable losses
Liability Framework and Legal Limits
Liability Allocation: The following limitations apply subject to UK consumer protection laws:
| Category |
Specific Exclusions |
Responsible Party |
Consumer Protection Notes |
| Vehicle-Related |
Accidents, breakdowns, mechanical failures |
Driver/Vehicle Owner |
Insurance claims process available |
| Personal Safety |
Injuries, damages during rides |
Driver/Third Parties |
Emergency support provided |
| Property |
Loss, theft, damage to belongings |
Individual Responsibility |
Lost property assistance available |
| Service Delays |
Traffic, weather, unforeseen circumstances |
External Factors |
Compensation considered case-by-case |
| Platform Issues |
Technical failures, app malfunctions |
NOYAXI (limited liability) |
Refunds available for service failures |
Liability Caps and Exclusions
Legal Notice: Nothing in this disclaimer excludes or limits liability for:
- Death or personal injury caused by negligence
- Fraud or fraudulent misrepresentation
- Breach of statutory rights under consumer protection legislation
- Any other liability that cannot be excluded under UK law
For other losses, NOYAXI's liability is limited to the greater of £100 or the value of the specific journey, except where higher compensation is required by law.
4. User Responsibilities and Risk Management
Passenger Obligations and Safety
As a passenger, you are responsible for:
- Providing accurate pickup and destination information
- Being present at the designated pickup location on time
- Treating drivers and vehicles with respect and courtesy
- Complying with driver instructions and safety requirements
- Ensuring personal belongings are secure during travel
- Reporting any issues or concerns promptly through our support channels
- Following reasonable health and safety guidelines
Risk Acknowledgment and Informed Consent
By using NOYAXI, you acknowledge that:
- Transportation involves inherent risks that cannot be eliminated
- You use the service with full knowledge of these risks
- You are responsible for your personal safety and that of your companions
- You should exercise reasonable caution and follow safety advice
- Emergency procedures and support contacts are available through the app
Vulnerable Passengers and Special Needs
NOYAXI is committed to accessibility and supporting vulnerable passengers:
- Special assistance can be requested for elderly or disabled passengers
- Unaccompanied minors require parental consent and special arrangements
- Medical conditions should be disclosed where they may affect journey safety
- Emergency contact information should be kept up to date
5. Insurance and Coverage Framework
Driver Insurance Requirements
All NOYAXI drivers must maintain comprehensive insurance coverage including:
- Valid commercial or hire-and-reward motor insurance
- Public liability insurance (minimum £1 million coverage)
- Professional indemnity insurance where applicable
- Compliance with DVLA and local authority licensing requirements
Insurance Verification: NOYAXI conducts regular checks to ensure all drivers maintain valid insurance coverage. However, passengers should be aware that:
- Primary insurance responsibility lies with the driver
- Claims should be directed to the driver's insurance provider
- NOYAXI provides assistance with the claims process
- Emergency support is available 24/7 through our platform
Platform Insurance and Additional Protection
NOYAXI maintains additional insurance coverage for:
- Platform liability and professional indemnity
- Data protection and cyber security incidents
- Technology errors and omissions
- Business interruption and service continuity
Claims Process and Consumer Support
In the event of an incident:
- Ensure immediate safety and contact emergency services if required
- Report the incident through the NOYAXI app immediately
- Collect relevant information (driver details, vehicle registration, witnesses)
- Our support team will guide you through the claims process
- We provide liaison services with insurance providers
- Legal advice referrals are available for serious incidents
6. Technical Disclaimers and Data Accuracy
Platform Reliability and Performance
While NOYAXI employs industry-standard technology and security measures:
- No technology platform can guarantee 100% uptime or error-free operation
- Service interruptions may occur due to maintenance, updates, or technical issues
- We aim for 99.5% platform availability and provide service status updates
- Alternative booking methods are available during technical difficulties
- Compensation may be available for significant service disruptions
Data Accuracy and Mapping Services
Location and Navigation Disclaimers:
- GPS and mapping data may contain inaccuracies or be outdated
- Estimated journey times are indicative and subject to traffic conditions
- Route suggestions are automated and may not reflect optimal paths
- Drivers retain discretion over route selection for safety reasons
- Real-time traffic data is provided by third-party services
Mobile Application and Device Compatibility
The NOYAXI mobile application:
- Requires compatible devices and operating systems (iOS 12+, Android 8+)
- May not function optimally on older or modified devices
- Depends on stable internet connectivity for full functionality
- Stores certain data locally for improved performance
- Regular updates are required for security and feature enhancements
Consumer Rights: Under the Consumer Rights Act 2015, digital services must be of satisfactory quality. If the app fails to meet reasonable expectations, you may be entitled to repairs, replacements, or refunds.
7. Third-Party Services and Integrations
External Service Providers
NOYAXI integrates with various third-party services to enhance user experience:
- Payment processors (Stripe, PayPal, bank payment gateways)
- Mapping and navigation services (Google Maps, HERE Technologies)
- Communication services (SMS, email, push notifications)
- Identity verification and background cheque providers
- Customer support and helpdesk platforms
Third-Party Liability and Consumer Protection
Important Notice: While NOYAXI carefully selects third-party providers:
- Each provider operates under their own terms and privacy policies
- NOYAXI is not responsible for third-party service failures
- We provide reasonable assistance with third-party related issues
- Consumer rights may apply to third-party services under UK law
- Data protection rights extend to all integrated services
Payment Processing and Financial Services
Payment processing is subject to additional protections:
- All payment processors are FCA authorised or equivalent
- Strong Customer Authentication (SCA) requirements apply
- Chargeback rights are available through your card provider
- Payment disputes can be raised through multiple channels
- Refund processing follows Payment Services Regulations 2017
8. Regulatory Compliance and Legal Framework
UK Transport and Licensing Compliance
NOYAXI operates in compliance with UK transport regulations:
- Transport Act 1985 and related legislation
- Local Government (Miscellaneous Provisions) Act 1976
- Private Hire Vehicles (London) Act 1998 (where applicable)
- Equality Act 2010 (accessibility and non-discrimination)
- Road Traffic Act 1988 and associated regulations
Licensing Requirements: All NOYAXI drivers must hold:
- Valid private hire or hackney carriage driver's licence
- Appropriate vehicle licence from the relevant local authority
- Enhanced DBS (Disclosure and Barring Service) check
- Medical fitness certification where required
- Professional competency qualifications
Consumer Protection and Digital Services
Our services comply with:
- Consumer Rights Act 2015 (service quality and remedies)
- Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013
- Payment Services Regulations 2017 (payment processing)
- Electronic Commerce (EC Directive) Regulations 2002
- Unfair Trading Regulations 2008 (fair trading practices)
Data Protection and Privacy Compliance
NOYAXI adheres to comprehensive data protection standards:
- UK General Data Protection Regulation (UK GDPR)
- Data Protection Act 2018
- Privacy and Electronic Communications Regulations (PECR)
- Information Commissioner's Office (ICO) guidance and codes of practice
Regulatory Changes and Adaptations
Regulatory Updates: Transport and digital service regulations evolve regularly. NOYAXI:
- Monitors regulatory developments and implements necessary changes
- Provides reasonable notice of significant policy updates
- Maintains compliance with emerging legislation
- Engages with regulatory authorities and industry bodies
- Updates terms and policies to reflect legal requirements
9. Force Majeure and Exceptional Circumstances
Events Beyond Reasonable Control
NOYAXI's obligations may be suspended or limited during force majeure events including:
- Natural disasters, severe weather conditions, or environmental emergencies
- Government restrictions, lockdowns, or emergency measures
- Industrial action, strikes, or labour disputes
- Cyber attacks, system failures, or telecommunications disruptions
- Public health emergencies or pandemic restrictions
- Acts of terrorism, war, or civil unrest
Service Continuity and Consumer Protection
During Force Majeure Events:
- NOYAXI will make reasonable efforts to maintain service where safe and legal
- Alternative arrangements will be explored where possible
- Clear communication will be provided about service disruptions
- Refunds or credits may be available for cancelled services
- Consumer rights under UK law remain protected where applicable
Emergency Procedures and Safety Protocols
In emergency situations:
- Passenger safety takes absolute priority over service delivery
- Emergency services will be contacted immediately when required
- Incident reporting and support procedures are activated
- Insurance and liability processes are expedited
- Regulatory authorities are notified as required by law
10. Dispute Resolution and Legal Recourse
Internal Dispute Resolution Process
NOYAXI provides a comprehensive complaints and dispute resolution service:
- Initial Contact: Report issues through the app, website, or customer service
- Investigation: Our team investigates within 5 working days
- Resolution Attempt: We aim to resolve disputes within 15 working days
- Escalation: Unresolved issues are escalated to senior management
- Final Response: Written response provided within 8 weeks maximum
Alternative Dispute Resolution (ADR)
External Resolution Options: If internal resolution is unsuccessful:
- Transport sector ADR schemes (where applicable)
- Consumer ombudsman services
- Citizens Advice consumer service
- Trading Standards mediation services
- Online dispute resolution platforms
Legal Jurisdiction and Governing Law
This disclaimer and all related disputes are governed by:
- English and Welsh law (or Scottish law where applicable)
- UK courts have exclusive jurisdiction for legal proceedings
- Consumer rights under UK legislation take precedence
- European Union regulations may apply to cross-border services
Regulatory Authorities and Oversight
Relevant regulatory bodies for complaints and oversight:
- Local licensing authorities (transport licensing issues)
- Information Commissioner's Office (data protection matters)
- Financial Conduct Authority (payment and financial services)
- Competition and Markets Authority (competition issues)
- Advertising Standards Authority (advertising complaints)
11. Modifications to This Disclaimer
Amendment Process and Consumer Rights
NOYAXI may update this disclaimer to reflect:
- Changes in applicable laws and regulations
- Improvements to our services and platform
- Enhanced consumer protection measures
- Feedback from users and regulatory authorities
- Industry best practice developments
Notification of Changes: In accordance with consumer protection regulations:
- Significant changes will be notified at least 30 days in advance
- Notifications will be sent via email, app notifications, and website announcements
- You have the right to terminate your account if you disagree with material changes
- Continued use after the effective date constitutes acceptance of changes
- Previous versions remain available for reference
Version Control and Accessibility
To ensure transparency and accessibility:
- All versions are dated and archived for reference
- Change summaries are provided for significant updates
- Documents are available in accessible formats upon request
- Translation services are available for non-English speakers
- Legal advice referrals are available for complex changes
12. Contact Information and Legal Support
Customer Support and Legal Enquiries
Registered Office and Company Information
NOYAXI Limited
123 Transport House
London EC2A 4NE
United Kingdom
Company Registration: 12345678
VAT Number: GB123456789
ICO Registration: ZA123456
Regulatory and Licensing Information
Transport for London Licence: PH000123456
Local Authority Licences: Available upon request
Insurance Provider: Allianz Insurance plc
Policy Numbers: Available to passengers upon request
Emergency Contacts and Support
Effective Date and Version Information
Effective Date: 1st January 2024
Version: 3.0
Last Updated: 15th December 2023
Next Scheduled Review: 1st July 2024
Document Reference: NOYAXI-DISCLAIMER-UK-2024-V3
Legal Compliance Statement
This disclaimer has been prepared in accordance with:
- Consumer Rights Act 2015
- Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013
- Unfair Contract Terms Act 1977
- UK General Data Protection Regulation (UK GDPR)
- Electronic Commerce (EC Directive) Regulations 2002
- Payment Services Regulations 2017
Legal Review: This document has been reviewed by qualified UK legal professionals specialising in consumer protection and transport law.
Accessibility: This disclaimer is available in alternative formats including large print, audio, and Braille upon request. Translation services are available for non-English speakers.
Last updated: January 2025
This disclaimer forms part of our Terms and Conditions and should be read in conjunction with our Privacy Policy.