Which Terms of Business Agreement (TOBA) applies to me?

For Business placed prior to the 1st March 2021

Consumer TOBA

If you are an individual who is acting outside of your trade, profession or business then you are deemed to be a consumer.

Download consumer business terms

Commercial TOBA

Anyone who does not fall within the definition of consumer, is deemed to be a commercial client.

Download commercial customer charter


For Business placed after the 1st March 2021

Darwin Clayton TOBA

Download Darwin Clayton TOBA