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
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