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Calion

Terms of Service

Last updated: 1 June 2026 · Version 1.0

These terms (the “Terms”) form a binding agreement between you and Calion Group Ltd, a company registered in England & Wales with company number [to be inserted] and registered office at [to be inserted] (“Calion”, “we”, “us”). By creating an account or otherwise using the Service you confirm that you accept these Terms. If you are accepting on behalf of a business, you confirm that you have authority to bind that business.

1. Definitions

  • “Service” means the Calion website, platform, APIs, and related services.
  • “SME” means a small or medium-sized business applying for funding through the Service.
  • “Investor” means a business or institution that funds advances through the Service.
  • “Funder” means the party providing capital for an advance, which may be Calion itself, an Investor, or a third party.
  • “Advance” means a merchant cash advance facilitated through the Service.

2. The Service

Calion provides an online platform that connects SMEs in the United Kingdom and Ireland with funders for merchant cash advance funding. We are a technology platform; we do not provide regulated investment advice and we do not guarantee that any particular SME will receive funding or that any particular Investor will commit capital. The Service may evolve over time and we may add, change, or remove features.

3. Eligibility and authority

The Service is intended only for businesses incorporated or trading in the United Kingdom or Ireland. To use the Service you confirm that:

  • You are at least 18 years of age and have legal capacity to enter into a contract.
  • You are acting for business purposes and not as a consumer.
  • You are authorised by your business to apply for funding, accept offers, or commit the business's funds, as applicable.
  • You will provide accurate, current, and complete information, and will keep it up to date.

4. Accounts and security

You are responsible for keeping your sign-in credentials confidential and for all activity that takes place under your account. You will enable two-factor authentication where required and notify us immediately at security@calion.ie of any suspected unauthorised use. We may suspend or terminate an account that we reasonably believe to be compromised, fraudulent, or in breach of these Terms.

5. Application process

When an SME submits an application we may, with the SME's knowledge:

  • Verify identity, business standing, and beneficial ownership.
  • Access bank-transaction or merchant-acquirer data with the SME's separate authorisation through Open Banking or equivalent.
  • Obtain credit-bureau and sanctions screening results.
  • Share the application with prospective Funders so they can make a decision.

Offers presented through the Service are indicative until accepted and may be conditional on further checks. The Funder makes the funding decision.

6. Advances, fees, and repayments

The factor rate, total repayment amount, repayment percentage of card sales (or other agreed mechanism), and any fees applicable to an Advance are presented at the point of offer acceptance and form part of the contract between the SME and the Funder. Calion may receive a commission or origination fee from the Funder; where required by law we will disclose this.

Repayments are collected as agreed in the Advance contract. The SME must not interfere with, divert, or obstruct the agreed collection mechanism. Failure to repay may result in default, additional fees, reporting to credit bureaux, and legal action.

7. Investor terms

Investors must satisfy our onboarding and suitability checks. Investors acknowledge that Advances carry the risk of loss including loss of principal, that past performance does not predict future returns, and that Calion does not provide investment advice. Specific terms applicable to each Investor commitment are set out in a separate Investor Agreement.

8. Acceptable use

You will not, and will not allow anyone else to:

  • Use the Service for any unlawful, fraudulent, or harmful purpose.
  • Attempt to access another user's account, data, or any non-public area of the Service.
  • Probe, scan, or test the vulnerability of the Service except through our responsible disclosure programme (see Security).
  • Reverse-engineer, decompile, or scrape the Service, or use it to train competing models, except as permitted by law that cannot be excluded.
  • Upload content that infringes intellectual-property rights, contains malware, or is defamatory or unlawful.
  • Misrepresent yourself, your business, or the source or accuracy of any data you provide.

We may suspend or terminate access immediately for breach of this section.

9. Intellectual property

Calion retains all right, title, and interest in the Service, including software, design, text, and trademarks. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for its intended purpose. You retain ownership of the business and personal data you submit; you grant us the rights needed to provide the Service, to operate our platform, and to comply with law.

10. Confidentiality

Each party will keep confidential information received from the other confidential and will use it only to perform under these Terms. This obligation does not apply to information that is or becomes public other than through breach, was independently developed, or must be disclosed by law or regulator.

11. Data protection

We process personal data in accordance with our Privacy Policy. Where we process personal data on your behalf as a processor, the Data Processing Agreement applies and is incorporated by reference.

12. Warranties and disclaimers

We will provide the Service with reasonable skill and care. To the maximum extent permitted by law, we exclude all other warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that any particular outcome will be achieved.

13. Limitation of liability

Nothing in these Terms limits liability that cannot be limited under applicable law, including liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation, or breach of statutory duties that cannot be excluded.

Subject to the previous paragraph:

  • Neither party is liable for loss of profit, revenue, goodwill, anticipated savings, business opportunity, or any indirect or consequential loss.
  • Calion's aggregate liability arising out of or in connection with these Terms in any 12-month period is capped at the greater of (a) the fees you paid to Calion in that 12-month period and (b) £10,000.

14. Indemnity

You will indemnify Calion against losses, costs, and expenses (including reasonable legal fees) arising out of (a) your breach of these Terms, (b) your infringement of any third-party right, or (c) inaccurate or unlawful information you provide.

15. Suspension and termination

Either party may terminate by giving 30 days' written notice. We may suspend or terminate immediately if you breach these Terms, become insolvent, or where required by law or regulator. Termination does not relieve you of obligations under any Advance contract still in force. Provisions that by their nature should survive termination (including sections 9–13) survive.

16. Changes to the Service or Terms

We may change the Service or these Terms from time to time. If a change is material we will give you at least 30 days' notice (by email or in-app). Continued use after the change takes effect constitutes acceptance.

17. Force majeure

Neither party is liable for delay or failure to perform due to events beyond reasonable control, including war, civil unrest, governmental action, epidemic, fire, flood, or widespread internet or third-party-provider outage.

18. Entire agreement

These Terms (together with the Privacy Policy, DPA where applicable, any Advance or Investor Agreement, and any written order form) form the entire agreement between you and Calion and supersede any prior agreements on the same subject.

19. Assignment

You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights, in whole or in part, to an affiliate or successor on notice.

20. Governing law and jurisdiction

These Terms are governed by the laws of England and Wales. The English courts have non-exclusive jurisdiction to resolve any dispute. Nothing in this section deprives an Irish customer of mandatory consumer or business protections available under Irish law.

21. Contact

For questions on these Terms email legal@calion.ie.