Tide Over

“to help someone to get to the end of a difficult period of time”

Terms & Conditions

A. Who are we?

This section contains information about our website and the platform we provide. It also explains how to access and register with the website and provides links to our policies and guidelines. These apply to your use of the website including the types of content you are permitted to post, the types of businesses/individuals and what we do with any personal information we collect as you use the website.

Please note that tideover.co does not offer regulated investments through the platform. Therefore it is not authorised or regulated by the Financial Conduct Authority. With regard to all pledges, there is no recourse to either the Financial Ombudsman Service or the Financial Services Compensation Scheme.

1. The Website

1.1 The Tideover.co website is operated and owned by Fusion Concerts Ltd (“we”, “us” or “our” as appropriate). For further information about us and our contact details, please visit the “What is Tide Over?” page.
1.2 The Business will be funded throughout the pledge period, with 100% of all pledges paid directly to the business with 75% immediately weekly and 25% on redemption of gratitude for the pledge.
1.3 We provide a platform for individuals and organisations to register on the website to set up a pledge page. The platform allows those individuals and organisations to offer unique items, services or experiences as a ‘thank you’ in return for this support.
1.4 Please read these Terms carefully before you start to use Tideover.co as they will govern your use of Tideover.co, the amounts you set up as a Business and the Pledges you make as a Backer, as well as the content you post as a Community Member. We recommend that you print or save a copy of these Terms for future reference.
1.5 By using Tideover.co, you confirm that you accept these Terms and that you agree to comply with them. If you are using Tideover.co in connection with your organisation, the terms ‘you’, ‘your’ or ‘your organisation’ in these Terms are also a reference to the individual, business or other organisation or entity (“Business”) on whose behalf you act when using, registering or pledging on the platform. If you do not want to be bound (or your Business to be bound, where applicable) by these Terms please do not access, use and/or contribute any content to tideover.co.
1.6 If you have any queries or concerns regarding these Terms, please contact us.

2. Accessing and using Tideover.co

2.1 Anyone can access Tideover.co. However, to set up and become a Business on the platform you must first register. For that purpose, you must be at least 16 years of age. To create an account, please go to the Business Sign Up page. To receive Tideover Payments you must have a UK bank account. We reserve the right to halt any business/individual we deem to be misusing the platform.
2.2 We try to make Tideover.co available at all times, but, of course, we cannot guarantee this.

3. Your privacy and our use of cookies

3.1 We take your privacy very seriously. Please read our Privacy Policy to see how we use your personal information.

4. Account registration

4.1 You can sign up your business/individual by the main home page of the website and before any payments are made you must confirm your acceptance to these Terms.
4.2 You must make sure that all the information you provide when you register with Tideover.co is true, accurate and current and complete.
4.3 If you change any of your registration details (e.g. email address, postal address), you must update us by email.
4.4 In the event that you have, or we have reason to believe that you have breached, or will breach these Terms, we may terminate or suspend your business page and/or access to Tideover.co and/or to any content made available on Tideover.co.
4.5 We reserve the right to delete your account. Any personal data or other information associated with your use of Tideover.co will be held securely and in accordance with the GDPR Regulations.

B. Registering business/individual page, accepting pledges, pay back of support

1. Our role

1.1 What we do
1.1.1 We provide an online platform through which Buisnesses/Individuals can receive pledges from their supportive customers. By doing so we facilitate agreement between Businesses/Individuals and those making the pledges between them, subject to the ‘ground rules’ that we put in place to act as safeguards for the benefit of all using Tideover.co.
1.1.2 Although we may from time to time agree to promote and advertise certain businesses or help to raise awareness of their goods/services/promotions, we will not be involved in the management of or use of Pledges nor will we directly offer or fulfil goods/services ourselves in support of the gratitude in the form of the pledge.
1.2 What we don’t do
1.2.1 Other than as mentioned above, we do not have any involvement in any arrangements Businesses/Individuals make with those who pledge. We therefore do not accept any responsibility for the nature or quality of the business or repayment of gratitude. The pledge you make are solely private and are made directly between the individual parties concerned. You take full responsibility for your arrangements and any subsequent obligations.
1.2.2 We do aim to verify the identity of anyone who sets a business page but cannot guarantee fully that the information they provide is accurate, complete or true. Consequently, we make no recommendation or representations in relation to any Businesses/Individuals on the platform.

2. Businesses/Individuals

2.1 Registration

2.1.1 Once you complete registration and your business page is up an running you are free to share that link via your own social media, digital/marketing channels.
2.1.2 We have specific rules regarding the types of Businesses that you can post on Tideover.co.

Please see below for list of prohibited businesses:

  • Any business/individual claiming to diagnose, cure, treat, or prevent an illness or condition (whether via a device, app, book, nutritional supplement, or other means).
  • Contests, coupons, gambling, and raffles.
  • Businesses/Individuals offering a genetically modified organism as a goods.
  • Businesses/Individuals selling Live animals.
  • Businesses offering financial, money-processing, or credit services; financial intermediaries or cash-equivalent instruments; travel services (e.g., vacation packages); phone services (e.g., prepaid phone services, 900 numbers); and business marketing services.
  • Political fundraising.
  • Businesses/Individual involved in the production or sale of Pornographic material.
  • Businesses/Indivduals that promote discrimination, bigotry, or intolerance towards marginalized groups
  • Bsuinesses/Individuals involved in the sale of Drugs, nicotine, tobacco, vaporizers and related paraphernalia.
  • Businesses/Individuals involved in the sale of Weapons, replicas of weapons, and weapon accessories.

2.1.3 There is no limit to how long your Business Page is live for.
2.1.4 Your Business Page may take up to 3 working days before it goes live
2.1.5 We reserve the right, but are not obliged, to attempt to verify your identity and other information you provide to us and to reject, cancel, interrupt, remove, or suspend an active Business Page at any time and for any reason. In particular, Businesses, Individuals or Pledges that are flagged to us as fraudulent by Individuals or our third party payment providers will be subject to review. If we find fraudulent Pledges have been made to you, we will cancel those Pledges and the details of the associated Pledger from your list of pledges. If, in our sole discretion, we determine you or your Business to be a high fraud risk we may also ask you for more information and you agree to respond to such requests and provide such information within a reasonable time. We or our payment providers may also perform an examination before any funds are distributed to you. We will not be liable to you for any losses that you suffer or incur as a result of us taking any of the actions in this paragraph. We reserve the right to pass on the cost of chargebacks to you.

2.2 Paying back the support

2.2.1 We have specific rules regarding the types of payback that you can offer to pledgers on Tideover.co.

Please see below for prohibited goods/services:

  • Any item claiming to diagnose, cure, treat, or prevent an illness or condition (whether via a device, app, book, nutritional supplement, or other means).
    Contests, coupons, gambling, and raffles.
  • Offering a genetically modified organism as a goods.
  • Live animals.
  • Offering financial, money-processing, or credit services; financial intermediaries or cash-equivalent instruments; travel services (e.g., vacation packages); phone services (e.g., prepaid phone services, 900 numbers); and business marketing services.
    Political fundraising.
  • Pornographic material.
  • Business goods or services that promote discrimination, bigotry, or intolerance towards marginalized groups
  • Drugs, nicotine, tobacco, vaporizers and related paraphernalia.
  • Weapons, replicas of weapons, and weapon accessories.

2.2.2 The minimum Pledge amount is £5.00, although this is determined by the pledge amounts setup by the Business/Individual
2.2.3 There is no limit to the number of pledges.
2.2.4 You must have all the permissions, consents and licences that are necessary to offer all payback relating your business before you offer them to those who pledge.

2.3 Fees payable by Project Owners and receiving funds

2.3.1 There is no charge for registering yourself or your business and publishing details on Tideover.co
2.3.2 If individuals make a pledge then we are asking them to cover all fees related to the payment
Platform fee
A fee of 4% including VAT is in place to cover the running of the platform and all related admin
Transaction fee
For pledges made on UK credit/debit cards a fee of 4% including VAT
2.3.3 All fees payable are subject to Value Added Tax (“VAT”) at the rate in force from time to time (currently 20%).

2.4 Pledges

2.4.1 Those making a pledge may fail to fulfil payment of such and you acknowledge that their payment of Pledges is entirely outside of our control. Consequently, we cannot guarantee and shall have no liability to any Individual/Business for their failure to receive any funds pledged to their Business or themselves via Tideover.co.
2.4.2 In the event we are unable to verify any information to our satisfaction, we may delay, withhold, cancel or refund any Pledges or other amounts without giving any notice to you and do so without incurring any liability to you.
2.4.3 Any Pledges made on the platform will be processed and 75% transferred to the Business/Individual weekly at least 8 working days after the first pledge is made, with the final 25% to follow after the Business/Individual has repaid the gratitude support of the pledger.

2.5 Business Page Owners Obligations

2.5.1 You shall:

(a) apply any funds you receive from the pledge to support your business or self employed activity;
(b) use all reasonable endeavours to repay those who pledged in line with your goods/services of your business or self employed activity;
(c) promptly and accurately respond in full and to our satisfaction to all queries, clarifications or requests made by us;
(d) comply with all your obligations under data protection and privacy laws With any data we provide to you;
(e) comply with all applicable laws and regulations in relation to your business activity;
(f) be responsible for paying all applicable taxes (including income tax and VAT or similar taxes) connected with your use of Tideover.co;

3. Pledges

3.1 Types of contribution
3.1.1 All payments are made in the form of a pledge and the business would aim to repay that gratitude within 6 months of the UK Government opening the doors again for all businesses.
3.1.2 You acknowledge that your contribution (whether financial or otherwise) does not entitle you to any rights in that individuals business activity, including any ownership, control or intellectual property rights.

3.2 Making a Pledge.

3.2.1 Once you have searched for your individual business and selected your pledge value then select your payment method and submit payment.
3.2.2 You will receive a receipt by email for your transaction with a unique code. This code is shared with the business/individual as well as the pledge value. We anticipate, although we cannot guarantee that this value will be repaid in goods/services by the Business/Individual.

3.3 Payment methods

3.3.1Once you have confirmed the amount you wish to Pledge, you will be prompted to pay via our third party payment processors: Stripe. These payment processing services are provided by Stripe Payments Europe Ltd respectively and the terms and conditions of those services will apply to the payments you make using them. Tideover Payments are powered by Stripe Payments Europe Ltd. Any personal information you provide to these payment providers will be processed in accordance with their privacy policies and not ours.
3.3.2 When paying using Tideover Payments we take your pledge immediately and hold it in a secure account. We are therefore responsible for distributing funds to Businesses/Individuals and for issuing refunds while they are live on the platform and accepting pledges.

3.4 Fees payable by those making the pledge

3.4.1 If you choose to make a Pledge by Tideover Payments, then all fees (as detailed above) are payable in addition to your Pledge amount.

3.5 Cancelling a Pledge and Refunds

3.5.1 For all pledges instant payments are taken you are unable to cancel a pledge once made.

3.6 Pledger’s Obligations

3.6.1 If you make a pledge, you shall:
(a) ensure that you have sufficient funds or credit available for payment of the Pledge;
(b) comply with the terms and conditions for the payment processing services provided by our third party payment providers.
(c) ensure that any funds used to make Pledges will not result in a breach of applicable law.

4. Other important terms

4.1 The contract between Business/Individual and Pledgers

4.1.1 The contract relating to the provision of funds from Pledges and the fulfilment of any goods/services in gratitude for support is made solely between a Business/Individual and Pledgers, subject always to these Terms. By making a Pledge, a Pledger is making an offer to enter into a contract with the applicable Business Owner/Indivdual.
4.1.2 The following steps have to take place before a contract is made between the Pledger and the Business/Individual:
(a) after searching for the desired Business/Individual a Pledge (more than one pledge to any one or multiple businesses/individuals) is then added to the shopping cart before entering their payment details for processing and clicking submit. Before making their Pledge, the Pledger will have the opportunity to review the Pledge amount and, if necessary, amend these details;
(b) the Backer will see an on-screen acknowledgement of their Pledge and receive an email confirming details of the Pledge made, to the email address provided.
4.1.3 The Business/Individual accepts the Pledge, and a binding contract is made between them.

4.2 Interest on Pledges

4.2.1 Any interest on Pledges or other funds held by us shall accrue to our benefit and neither Businesses/Individuals nor Pledgers shall be entitled to such interest in relation to distributed funds.

4.3 Publication and sharing of personal information relating to Backers with Project Owners

4.3.1 No personal information will be published on Tideover.co

C. General provisions

This section sets out the terms that apply to everyone who uses tideover.co.

1. Our content

1.1 All of the content on Tideover.co is owned by (and all copyright, trade mark and other intellectual property rights in that content shall at all times remain vest in) us or our licensors and is protected by UK and international copyright and other intellectual property laws.
1.2 Our content includes any information or other material found on or via Tideover.co, including without limitation text, databases, graphics, videos, software and all other features found on or via Tideover.co.
1.3 You may not otherwise reproduce, modify, copy or distribute or use any of the content on Tideover.co without our prior written consent.
1.4 To be clear, you are not in any circumstances permitted to:
1.4.1 make commercial use of any such content except in the case of your own business page which you may use for the purposes of providing information in connection with your Business Activity on the Business Page;
1.5 The trade marks, logos and brands appearing on Tideover.co are owned by us or our licensors. No permission is given in respect of the use of any of these marks, logos or brands, and any such use may constitute an infringement of the holder’s rights.

2. Links

2.1 You acknowledge that Tideover.co may include links to third-party websites. We do not review these third-party websites nor have any control over them, and we are not responsible for the websites or their content or availability.
2.2 We do not therefore endorse, or make any representations about them, or any content found there, or any results that may be obtained from using them.
2.3 If you decide to access any of these third-party websites, you do so entirely at your own risk.
2.4 If you use any linked websites, any personal information you give to them will be dealt with in line with their privacy policy, not ours, so please ensure that you read their terms and conditions and privacy policy before you use their websites and provide any personal information.
2.5 You may only link to Tideover.co provided that:
2.5.1 the homepage is not loaded into frames on your website, unless we expressly agree; and
2.5.2 your site or services does not misrepresent its relationship with us or present false information about us or otherwise harm our business or conflict with our interests or values;
2.5.3 We reserve the right to withdraw linking permission to any time without prior notice.

3. Promises, liability and disclaimer

3.1 We promise that we will operate Tideover.co with reasonable skill and care. Otherwise, the content and services available on Tideover.co are provided on an ‘as is’ and ‘as available’ basis. To the fullest extent permissible under applicable law and subject to this paragraph we disclaim any and all promises, warranties, conditions, or representations relating to Tideover.co and its content, whether express, implied, oral or written. In particular:
3.1.1 We do not make any promises as to the truth, accuracy, integrity, quality or completeness of the content or information that appears on Tideover.co and you should not rely on it being accurate, truthful or complete.
3.1.2 We are not responsible for verifying the ownership of any content posted or uploaded onto Tideover.co.
3.1.3 We cannot guarantee and shall not be liable to you in relation to the performance or reliability of the Tideover Payments and Stripe online payment processing services.
3.1.4 You agree that your access and use of Tideover.co and its content is at your own risk. We do not have any knowledge of, or control over, the particular purpose(s) for which the information and content available on Tideover.co is used. The content and information that we make available on Tideover.co is provided for information only. Accordingly, we exclude any and all liability for any loss of any nature suffered by you as a direct or indirect result of your use of any of the information or content available on Tideover.co or of making any decision, or refraining from making any such decision, based wholly or partly on any expression of opinion, statement or other information contained in the content available on Tideover.co.
3.1.5 By using Tideover.co you acknowledge and accept the inherent risks, characteristics and limitations of the internet, particularly in terms of technical performance of Tideover.co, response times to view, verify or transfer information; and the risks inherent in all third party links, connections and transfers via the internet. Accordingly:
a) We do not make any promises about the availability or accessibility of Tideover.co or promise that your access to Tideover.co, the content on it or the services we provide will be delivered uninterrupted, timely or error-free;
b) Whilst we hope that you will find the websites linked to on Tideover.co of interest, no responsibility of any nature whatsoever is accepted for any such links or any information contained in them.


4. Indemnity

4.1 You agree only to use Tideover.co in accordance with these Terms. You agree that you will compensate us (and our employees, officers, agents and suppliers) in full for any damages, losses, costs and expenses, including reasonable legal fees we incur that arise out of any breach by you of these Terms or any liability we incur as a result of the use of Tideover.co by you and any other person that uses your access with your permission or as a result of your negligence.

5. Copyright complaints

5.1 We respect the intellectual property rights of others, and we prohibit users of Tideover.co from submitting, uploading, posting or otherwise transmitting any materials that infringe or violate another person’s intellectual property rights.
5.2 Content hosted on third-party websites accessible from Tideover.co is the responsibility of those websites, and not our responsibility. If you are the copyright owner of content hosted on a third-party website, and you have not authorised the use of your content, please contact the administrator of the hosting website directly to have the content removed.

6. General complaints and requests for further information

6.1 We want to give you great customer service but sometimes things do go wrong. We can usually resolve most issues quickly, so please email us to tell us how we can help.

As pledges do not come within the jurisdiction of the Financial Ombudsman Service, you will not be able to refer your complaint to this body.

7. Changes to these Terms and to Tideover.co

7.1 We may make changes to these Terms at any time by sending you an email with the modified Terms or by posting a copy of them on Tideover.co. Any changes will take effect seven days after the date of our email or the date on which we post the modified terms on Tideover.co, whichever is the earlier. If you continue to use Tideover.co after that period has expired, it means that you accept any such changes. For this reason, please periodically check the pages on which we post our Terms. If you do not agree to the changes, you must cease using Tideover.co.
7.2 We reserve the right to change, suspend or discontinue the Tideover.co website and/or the service we provide through it (including the availability of any feature, functionality database or content) at any time and for any reason. We may also introduce or remove limits on certain features or certain parts of Tideover.co without notice to you and without incurring any liability.