Terms of Service & Settlement Rules
Clear guidelines on what Fullypays is, what it isn't, and how direct non-custodial utility settlement works.
1. Non-Custodial Operating Structure
Fullypays does not operate a wallet, hold customer funds, or provide loans. Transactions settle directly into the utility provider's verified gateway or official clearing bank accounts. We are live across the United Kingdom with a mission to bring direct utility settlement to communities worldwide.
2. Permitted Obligations & Service Invoices
Eligible requests include outstanding household utility statements (electricity, water, council tax, gas, broadband) and verified essential service invoices (medical clinics, prescription charges, vocational tools, and emergency home/plumbing repairs). Requests must correspond to verifiable, outstanding obligations with an official provider reference. Unverified peer-to-peer personal loans or speculative cash transfers are not supported.
3. Verification Transparency
Verification badges reflect automated arithmetic and supplier route validation. When an external biller does not provide automated validation tools, the request explicitly notes that verification is unavailable.
4. Data Deletion Policy
Users retain full control of their requests. You may withdraw and request permanent deletion of your bill submission at any time through your Dashboard.