Legal Document

User Terms and Conditions

Last updated on 29th of July 2025


About the Rainbow Platform

What these terms cover

The Rainbow website and mobile app ("Rainbow Platform") is a one‑stop business to business and business to consumer data‑matching platform that connects sellers ("Seller") to buyers ("Buyer") based on the Seller's product and the Buyer's product interest. The Rainbow offering also includes delivery services offered by different providers, selected by the Seller depending on availability and suitability ("Delivery Services") and paid for by the Buyer.

Rainbow provides direct access to a wide variety of products including agricultural products, processed foods and beverages, and food supplements, with the aim of providing a safe environment for all users to transact transparently and directly with each other, whether Sellers, Delivery Services or Buyers.

The Rainbow Platform is provided by Rainbow Phi Limited (CRN 12969821), a company incorporated in England and Wales, with registered office in London, 51 Lime Street, EC3M 3DQ. Rainbow's registered VAT number is VAT 399 5943 16.

How it works

On the Rainbow Platform, Sellers have the opportunity to create their own online store for free to sell directly to Buyers without intermediaries. Sellers may share their online shop and grow their business locally, nationally, or internationally. Buyers are able to "follow" Sellers and receive real‑time updates based on product stock fluctuations or new products added. Based on Sellers' location, product sold, and stock available, the Rainbow Platform matches parties in real time.

Why you should read these terms

These are the terms and conditions on which you can access and use the Rainbow Platform whether as a Buyer or Seller. These terms refer to "you" (meaning either a Buyer or a Seller who uses the Rainbow Platform), and refer to Sellers and Buyers separately where required. Please read these terms carefully before using the Rainbow Platform.

These terms tell you who the Sellers and Delivery Services are, how they will provide products to a Buyer, what to do if there is a problem and other important information. If you think that there is a mistake in these terms, please contact us at Rainbow offices below, to discuss.

Payment Processing

"STRIPE" is an E‑money institution licensed to provide payment services around the world. STRIPE provides the payment services to Sellers on the terms set outhere and Sellers must accept these terms and conditions in order to access STRIPE services.

STRIPE has separately entered into an agreement with Rainbow to allow Rainbow to embed the STRIPE API into the Rainbow Platform. This means that all payments made through STRIPE on the Rainbow Platform are made via an approved and regulated institution, without Rainbow at any time accepting, controlling or paying out any of the user's funds.

Contact Information

0207 332 2800

contact@r-ainbow.com

2 Puddle Dock, Mermaid House, 5th Floor, ECV4 3DB, London, UK

The Buyers and Sellers

The Buyers and Sellers are businesses or individual consumers from countries around the world, acting exclusively on their own behalf to buy or sell goods related to agriculture, farming, and food production.

Accessing the Rainbow Platform

Use of the Rainbow Platform establishes, and is strictly based on, agreement in full by you, to the following Terms and Conditions:

2.1 Rainbow reserves the right to amend these Terms & Conditions at any time. Any subsequent use by you of the Rainbow Platform will be taken as acceptance by you of the Terms & Conditions in their amended state.

2.2 In order to use the Rainbow Platform, you will sign up for a user account. On your first visit you will select whether you are using the Rainbow Platform as a Buyer or a Seller. You will provide personal identification and/or your business information and then choose a password to set up an account, which will then be verified. You will then be able to start marketing your produce or browsing the platform.

2.3 All payments made for contracts concluded over the Rainbow Platform must be paid for using the STRIPE payment platform, to which Sellers must sign up on the terms ofStripe . Rainbow has no liability for payments made using Stripe and the Sellers enter into their own agreement for payment services and to open their own accounts with Stripe directly.

User Warranties

2.4 You warrant that:

  • you are not in breach of any law or order of any court by using this service;

  • the information you provide to us in connection with your account is complete and accurate and you will promptly notify us of any changes to it and provide up‑to‑date information and documents when required.

  • all documents you submit to us at any time are either original documents or true copies of original documents.

  • your product display will only feature high‑quality images and descriptions, which you have all the necessary intellectual‑property and other rights to use in this way on the Rainbow Platform.

Platform Usage Rules

2.5 You agree that, in visiting and navigating around the Rainbow Platform:

  • you will use the Rainbow Platform for your own lawful personal or business use only and you warrant that you are not connected in any way to a Prohibited Business and that you will not act in any way that amounts to a breach of any law and will fully indemnify and hold Rainbow harmless against all claims.

  • you will not upload onto any area of the Rainbow Platform any images, graphics, text, hyperlinks, machine‑readable code or other content that amounts to a breach of the rights, including intellectual property rights, of others and/or which may breach reasonable standards of morality, decency and respect.

Prohibited Uses Include:

  • Using the platform if you are under 16

  • Any unlawful or fraudulent activities

  • Harassment, bullying, or intimidation

  • Uploading offensive or harmful content

  • Spam or unauthorized advertising

  • Transmitting viruses or malicious code

Liability

3.1 You accept full responsibility for all actions taken on the Rainbow Platform under your username and all material uploaded under that login. You must keep your login or account‑access passwords secret to ensure your use of your Rainbow account remains secure.

3.2 Rainbow accepts no liability for any loss or damage resulting, directly or indirectly, from your visit to the Rainbow Platform (including from any bugs or viruses), or through access from the Rainbow Platform, whether a website that is linked from this website, any website that masquerades as the Rainbow Platform, or from data and information appearing through data‑sharing technologies.

3.3 Rainbow accepts no liability for any loss or damage resulting directly or indirectly, for any action or lack of action taken by you as a result of the use of the Rainbow Platform, the information or materials appearing on the Rainbow Platform, nor any contract or other arrangement you entered into using the Rainbow Platform.

3.4 Whilst Rainbow endeavours to ensure the continuity of the availability of the Rainbow Platform on the Internet, Rainbow gives no guarantee or warranty of the availability of the Rainbow Platform, the payment facility, the content of the Rainbow Platform nor its condition, nor the satisfactory quality, fitness for purpose or performance of any goods that appear on it.

3.5 Nothing in this clause is intended to operate to exclude or restrict liability for fraud, misrepresentation or any other liability that cannot be excluded by operation of applicable law.

Payment Using Stripe Platform and Rainbow Platform Fees

Stripe Integration

10.1 The Sellers must enter into a framework agreement with Stripe, athttps://stripe.com/gb/legal/ssa to open their own accounts with Stripe. Sellers must accept Stripe's terms and conditions in order to access Stripe services. Sellers therefore contract directly on the terms and conditions of Stripe for the provision of payment services ("Stripe FWA").

Account Requirements

10.2 As part of the payment services, and under the Stripe FWA, Sellers shall open a payment account with Stripe directly, to register their payment transactions on the Rainbow Platform. Stripe shall have complete discretion whether or not to open a payment account for any given Seller and Rainbow shall have no liability or responsibility for, nor influence over, Stripe's decision.

Fee Structure

10.3 Producers registering with Stripe will be charged £2 per monthly active account (an account is active in any month where pay‑outs are sent to user bank account or debit card). Additionally, for every pay‑out (typically 3–7 working days) Stripe charges its users 0.25% + 10p.

10.4 In addition to the mentioned fees above (payable by Producers), all users (Buyers, Producers) will be charged a platform fee (as specified in the table below) by Rainbow ("Platform Fees"). Out of these Platform Fees, Rainbow will make corresponding payments for transaction fees to Stripe (including bank charges or card payment charges).

Platform Transaction Fees

Payment MethodBuyer FeeSeller Fee

Card Payments

Visa • Mastercard • Amex • Discover
Diners Club • Maestro • UnionPay • Cartes Bancaires

Per Transaction

2.9% + 25p

2.9%

All Transaction Fees exclude VAT

10.5 Stripe may, in its absolute discretion, require further information relating to the Buyer or Producer and Rainbow may request such additional information (relating to a payment transaction, the contract or the identity of the contracting parties) on behalf of Stripe.

10.6 All monies payable under the contracts formed on the Rainbow Platform shall be paid over using Stripe and Rainbow shall have no involvement in the execution of any payment transactions nor any access to any Rainbow platform user's funds.

10.7 Once a payment account is opened for the Seller the payment services will be provided to them on the terms of the Stripe FWA. Stripe will receive the money for payment and hold it until the goods are delivered to the Buyer. Upon order delivery, Seller's wallet will be credited subject to Stripe and the Platform fees.

10.8 Where payments are cancelled or disputed, there will be a charge by Stripe of £20 as a handling fee ("Chargeback"), which will be charged to Rainbow. Rainbow will claim Chargebacks from the Producer within 30 days of being charged such a fee by Stripe.

Consumer Regulations (UK Based Individuals Only)

12.1 When a consumer buys online through the Rainbow Platform, the consumer has a legal right to change their mind about their purchase within 14 days of the date of purchase and may return the goods (at their own cost), subject to clause 12.2 below. To do so, the consumer must notify us within 14 days by contacting us oncontact@r-ainbow.com.

Exceptions to Return Policy

12.2 A consumer can't change their mind about an order for:

  • Fresh produce that is perishable

  • Products that are sealed for health protection or hygiene purposes, once unsealed

  • Goods that are made to your specifications or are clearly personalised

  • Goods which become mixed inseparably with other items after delivery

Summary of Key Legal Rights

The Consumer Rights Act 2015 says goods must be as described, fit for purpose and of satisfactory quality. During the expected lifespan of your product your legal rights entitle you to the following:

Up to 30 days

If goods are faulty, then you can get a refund.

Up to 6 months

If goods can't be repaired or replaced, then you're entitled to a full refund, in most cases.

Up to 6 years

If goods do not last a reasonable length of time you may be entitled to some money back.

© 2025 Rainbow Phi Limited. All rights reserved.

Company Registration Number: 12969821 | VAT Number: 399 5943 16