Pavo in the United Kingdom

Last updated: October 25, 2026

1. Who you are dealing with

Pavo is software made by Emmber, Inc., a Delaware corporation in the United States. Emmber has no office or company in the United Kingdom. Your contract for the software is with Emmber, Inc. (Terms, Section 24.14).

The card payments you take are processed and settled by Stripe Payments UK Limited, which is authorised by the Financial Conduct Authority as an electronic money institution (Firm Reference Number 900461). You open your own Stripe account when you set up payments, under Stripe’s own agreement with you. Pavo is not authorised or registered by the FCA, does not provide payment services, and never holds your money: it sits in your Stripe account until Stripe pays it out to your bank (Terms, Section 24.2).

2. What Pavo costs in the UK

Everything is in pounds sterling. Pavo gives at least 30 days’ written notice before changing the UK price (Terms, Section 24.3).

3. Card surcharges

UK law bans surcharges on consumer debit and credit cards. Pavo never adds a card fee or surcharge to a UK customer’s payment, and any customer card fee Pavo may later offer sellers in the United States will never apply to a UK seller. You must not add one either (Terms, Section 24.4).

4. Payouts

Stripe pays your balance out to your UK bank account. A new seller’s first payouts are delayed while Pavo and Stripe review early activity. If refunds or disputes leave your Stripe balance negative, Stripe can debit your bank account for the difference (Terms, Sections 24.7 and 5.9).

5. VAT and tax forms

Pavo does not charge UK VAT on its fee. Emmber is outside the UK and you are a business, so where the reverse charge applies you account for the VAT on your own return. If you are VAT-registered, send your VAT number to [email protected]. You handle VAT on your own sales (Terms, Section 24.5).

Pavo does not file the US Form 1099-K for UK sellers. Because Emmber is a US company, it may ask you to confirm that your business is not a US person on IRS Form W-8BEN (sole trader) or W-8BEN-E (company) (Terms, Section 24.6).

6. Law, courts and complaints

For UK sellers the Terms are governed by the law of England and Wales, and the courts of England and Wales decide disputes. The US arbitration clause, class action waiver and jury waiver do not apply to you (Terms, Section 24.9).

Complaints about Pavo go to [email protected]; Pavo acknowledges them within five business days and aims to answer within 15. Complaints about Stripe’s payment services go to Stripe, and may then go to the Financial Ombudsman Service if you are an eligible complainant (Terms, Section 24.13).

7. Your data and your customers’ data

The UK GDPR applies. Emmber, Inc. is the controller of the data about you and your account, and your processor for the data about your customers. Your data is stored in the United States under the Information Commissioner’s International Data Transfer Addendum. You can delete your account from Settings, and see, correct or get a copy of your data by email, and you can complain to the Information Commissioner’s Office (Privacy Policy, Section 21; DPA, Section 8).

Pavo sends marketing email only with your consent or where UK law otherwise allows it, with an unsubscribe link in every message. Receipts, payout and security notices are service messages, not marketing (Terms, Section 24.11).

8. The documents

• Terms of Service (Version 8.19), including Section 24, United Kingdom
• Privacy Policy (Version 3.12), including Section 21, United Kingdom — UK GDPR
• Data Processing Agreement (Version 1.3), including Section 8, International Data Transfers with the UK Addendum
• Subprocessors
• Acceptable Use Policy, Refund Policy, Cookie Policy

© 2024–2026 Emmber, Inc. All rights reserved. Pavo™ and Lux™ are trademarks of Emmber, Inc.