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Version 1.0 · Effective 19 June 2026
Neotiqa Limited · Company No. 16718145
By submitting a Case, the Client immediately appoints Neotiqa in relation to the submitted Debt and agrees to these Terms.
If any part of the submitted Debt is paid, credited, set off, compromised or otherwise satisfied after submission, Neotiqa's Commission is payable, including where the Debtor pays the Client directly, was already considering payment, or pays before Neotiqa contacts the Debtor.
Commission does not depend on Neotiqa being the sole, primary or effective cause of payment. The 60-day post-closure period and continuing payment-plan provisions also apply.
These Terms contain significant Client warranties, indemnities, exclusions of liability and a cap on Neotiqa's liability. The person submitting the Case confirms that they are authorised to bind the Client.
These Terms are drafted for business-to-business use only. They are intended to be incorporated through a mandatory unticked checkbox on the Case Submission form.
1.1 Neotiqa Limited is a private limited company registered in England and Wales under company number 16718145. Its registered office is at 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ.
1.2 In these Terms, Neotiqa Limited is referred to as "Neotiqa", "Neotiqa Recovery", "we", "us" or "our".
1.3 These Terms govern every Case submitted to Neotiqa through the Website, by email or through another method accepted by Neotiqa, together with the Client's use of the Website.
1.4 The Client can contact Neotiqa at hello@neotiqa.com, +44 20 8191 3412, or the registered office stated above.
1.5 The current version of these Terms is identified by the version number and effective date shown on the first page.
2.1 The Services are supplied exclusively to persons acting wholly or mainly for the purposes of a business, trade or profession. The Client confirms that it is not acting as a consumer.
2.2 Unless Neotiqa expressly agrees otherwise in writing, the Services are limited to commercial debts owed by UK registered limited companies.
2.3 Neotiqa does not accept:
Agreement — The legally binding agreement comprising these Terms, the relevant Case Submission and any Case-specific terms expressly confirmed by Neotiqa in writing.
Business Day — A day other than a Saturday, Sunday or public holiday in England.
Case — One or more invoices or other commercial payment obligations submitted against a particular Debtor.
Case Submission — All information, declarations, invoices and documents submitted to Neotiqa in relation to a Case.
Client — The creditor company identified in the Case Submission.
Commission — The success-based fee payable to Neotiqa under section 12.
Debt — The commercial invoice balance or other commercial sum identified in a Case Submission, together with any contractual or statutory additions that may lawfully be claimed.
Debtor — The company identified as owing the Debt.
Recovered Principal — Any part of the principal Debt paid, credited, set off, compromised, discharged or otherwise satisfied following a Recovery Event.
Recovery Event — Any event described in clause 12.6.
Services — The commercial recovery activities described in section 8.
Statutory Additions — Statutory interest, fixed compensation and recoverable collection costs claimed under the Late Payment of Commercial Debts (Interest) Act 1998.
Terms — These Terms of Business, as identified by their version number and effective date.
Website — recoveries.neotiqa.com and any associated Neotiqa Recovery pages, forms, portals or submission systems.
4.1 By selecting the acceptance checkbox and submitting a Case, the Client:
4.2 The Agreement is formed immediately when the Case Submission is successfully received by Neotiqa's Website or systems, as evidenced by Neotiqa's electronic records.
4.3 Neotiqa may send an acknowledgement, reference number or confirmation email, but no such message is required for the Agreement or Commission entitlement to arise.
4.4 Neotiqa is not obliged to pursue or continue pursuing any Case and may reject, suspend or close a Case in accordance with these Terms.
4.5 If Neotiqa expressly rejects a Case before undertaking any recovery activity, Commission remains payable on any Recovery Event occurring between submission and the time that rejection is communicated. No Commission will arise from a later Recovery Event unless it is connected with work undertaken by Neotiqa or falls within another surviving provision of the Agreement.
4.6 Any purchase order, supplier terms, portal terms or other conditions issued by the Client are excluded and do not apply unless expressly accepted in writing by a director of Neotiqa.
4.7 Neotiqa's electronic records, including timestamps, IP addresses, user-agent information, checkbox wording, Terms version, uploaded documents, emails and system logs, may be relied upon as evidence of submission and acceptance, subject to any manifest error.
5.1 Neotiqa may carry out checks concerning the Client, Debtor and Debt before or after beginning work.
5.2 Any review, verification or assessment undertaken by Neotiqa is solely for Neotiqa's own commercial, compliance and risk-management purposes.
5.3 Submission, acknowledgement or work on a Case does not constitute:
5.4 Neotiqa may request identification, authority documents, contracts, purchase orders, correspondence, delivery evidence, bank details or any other information it reasonably considers necessary.
5.5 Neotiqa may reject, pause or close any Case in its absolute discretion and is not required to provide reasons, except where law requires otherwise.
6.1 The Client appoints Neotiqa on a non-exclusive basis to undertake the Services for each submitted Case.
6.2 The Client authorises Neotiqa to:
6.3 Unless separately agreed in writing, Neotiqa has no authority to:
6.4 Neotiqa may discuss and recommend settlement proposals, but any reduction or compromise requires the Client's written approval.
6.5 Neotiqa may agree an administrative instalment timetable for payment of the full amount where the Client has given standing authority to do so.
6.6 Neotiqa acts as an independent contractor. Nothing in the Agreement creates a partnership, joint venture, employment relationship, fiduciary relationship or solicitor-client relationship.
7.1 Unless Neotiqa expressly agrees otherwise, a Debt is eligible only where:
7.2 Neotiqa may suspend or close a Case immediately if it ceases to satisfy these requirements.
8.1 Depending on the Case, the Services may include:
8.2 Neotiqa determines the strategy, content, timing, frequency, personnel and methods used to provide the Services.
8.3 Neotiqa may modify, pause, intensify, reduce or discontinue any recovery activity where it reasonably considers this appropriate.
8.4 Neotiqa may use employees, contractors, specialist suppliers, technology providers, verification providers and other subcontractors.
8.5 Neotiqa will perform the Services with reasonable skill and care. This is Neotiqa's only positive service standard unless expressly agreed otherwise in writing.
8.6 Any timescale, sequence, projected recovery date or anticipated result is an estimate only.
8.7 Neotiqa is not required to act continuously, contact the Debtor a particular number of times or use every recovery method described on the Website.
9.1 Unless separately agreed in writing, the Services do not include:
9.2 Any Letter Before Action or pre-action communication is prepared as an administrative recovery communication based on information supplied by the Client. It is not legal advice and does not mean proceedings will be commenced.
10.1 The Client warrants on submission and throughout the Agreement that:
10.2 Each warranty is repeated whenever the Client provides further information, documents or instructions.
10.3 The Client must notify Neotiqa immediately if any warranty becomes inaccurate or incomplete.
10.4 Neotiqa is entitled to rely on the Client's warranties without independently investigating them.
11.1 The Client must:
11.2 Any delay, omission, inconsistency or failure by the Client may reduce recovery prospects. Neotiqa is not liable for any resulting loss, delay or failure.
11.3 The Client remains solely responsible for commercial decisions concerning settlement, litigation, write-offs, tax treatment and its continuing relationship with the Debtor.
12.1 No upfront recovery fee is payable for a standard Case unless Neotiqa expressly states otherwise in writing.
12.2 Commission becomes payable where, at any time after the Case Submission is received by Neotiqa, any part of the submitted Debt is paid, credited, set off, compromised, discharged or otherwise satisfied through a Recovery Event.
12.3 Unless Neotiqa confirms a different rate in writing, Commission is calculated separately for each invoice according to the number of days between its payment due date and the date of the Case Submission:
12.4 Commission is calculated on Recovered Principal and is exclusive of VAT. VAT will be charged at the applicable rate.
12.5 Unless Neotiqa agrees otherwise in writing, Commission is not calculated on Statutory Additions. Recovery of Statutory Additions does not reduce or replace Commission.
12.6 A Recovery Event occurs where, after the Case Submission is received, any part of the Debt is:
12.7 Neotiqa's entitlement to Commission does not depend on:
12.8 Commission is payable whether recovery occurs voluntarily, through a payment plan or settlement, following direct contact between the Client and Debtor, through another recovery agent or solicitor, or by any other method.
12.9 No Commission is payable on an amount actually and irrevocably received by the Client in cleared funds before the Case Submission. The Client bears the burden of proving prior receipt.
12.10 An invoice, payment promise, proposed payment date, pending bank transfer or indication that payment may be made does not constitute receipt of cleared funds. If cleared funds are received after submission, Commission is payable.
12.11 Commission is payable on partial recoveries in proportion to the amount recovered.
12.12 Neotiqa may allocate an unattributed payment between invoices in the manner it reasonably considers appropriate, including allocating it to the oldest invoice first.
12.13 Commission is earned immediately when the Client or any person acting for it receives or obtains the benefit of Recovered Principal.
12.14 Neotiqa may invoice Commission as soon as it becomes aware of a Recovery Event. The invoice is due within seven days.
12.15 The Client may not withhold, deduct, set off or counterclaim against Commission except where required by law.
13.1 Unless Neotiqa expressly agrees otherwise in writing, the Debtor must make payment directly to the Client using bank details confirmed by the Client.
13.2 The Client must notify Neotiqa of a direct payment within two Business Days and provide reasonable evidence of the amount, date, allocation and remaining balance.
13.3 Commission is payable on any Recovered Principal received:
13.4 Where a payment plan, settlement, admission or payment commitment was agreed, offered or materially negotiated while the Case was active or during the 60-day period, Commission is payable on every payment made under that arrangement, even where an instalment is received after the 60-day period.
13.5 Commission remains payable where the Client withdraws the Case, asks Neotiqa to stop contact or appoints another agent and the Debt is recovered within the applicable period.
13.6 The Client must not seek to avoid Commission by:
13.7 Where Neotiqa reasonably determines that an arrangement was designed substantially to avoid Commission, the amount avoided will be treated as Recovered Principal.
13.8 If money is paid to Neotiqa accidentally or under a separately approved arrangement, Neotiqa may return it to the payer, forward it to the Client, deduct sums due before forwarding the balance, or hold it temporarily while conducting allocation, identity, fraud, sanctions or legal checks.
13.9 Neotiqa is not a bank and no interest is payable on money temporarily held.
13.10 Any standing arrangement for Neotiqa to receive and transmit Debtor funds must be separately confirmed in writing and is subject to any legal or regulatory conditions Neotiqa considers applicable.
14.1 The Client authorises Neotiqa to request Statutory Additions where Neotiqa considers it commercially and legally appropriate.
14.2 Entitlement to Statutory Additions depends on the facts, contract terms and applicable law.
14.3 Neotiqa does not warrant that the Client is entitled to Statutory Additions, that any calculation will be accepted, that the Debtor will pay them, or that recovery costs will be recoverable in full.
14.4 The Client is responsible for confirming its legal entitlement and must disclose any contractual term affecting interest, compensation or recovery costs.
14.5 Unless Neotiqa agrees otherwise in writing, recovered Statutory Additions belong to the Client but do not reduce Commission.
14.6 Website calculators and estimates are illustrative only. Final amounts may differ due to payment dates, base-rate changes, contractual terms, partial payments and legal interpretation.
15.1 The Client must maintain accurate accounting and bank records relating to every submitted Case.
15.2 On request, the Client must provide reasonable evidence of payments, credits, set-offs and settlements, including ledger extracts, remittance advice and appropriately redacted bank records.
15.3 For 24 months after a Case closes, Neotiqa may request records reasonably required to verify Commission.
15.4 If records show that Commission was underpaid by more than 5%, the Client must pay the shortfall, interest, Neotiqa's reasonable verification and audit costs, and reasonable legal or collection costs incurred in obtaining payment.
15.5 Failure to disclose a Recovery Event is a material breach of the Agreement.
16.1 Recovery depends on factors outside Neotiqa's control, including Debtor solvency, the age and quality of the Debt, documentary evidence, disputes, competing creditors, insolvency, willingness to engage, contact information, technology and the Client's conduct.
16.2 Neotiqa does not guarantee:
16.3 Any case study, statistic, testimonial, projected recovery rate, expected timescale, calculator result or Website statement is illustrative and is not a warranty or contractual commitment.
16.4 Neotiqa is entitled to rely on information supplied by the Client and is not responsible for independently verifying it.
16.5 Except as expressly stated in the Agreement, all conditions, warranties and representations, whether express, implied, statutory or otherwise, are excluded to the fullest extent permitted by law.
17.1 If the Debtor raises a dispute, defence, counterclaim, fraud allegation, quality complaint, service complaint or set-off, Neotiqa may request evidence, pause contact, refer the matter back to the Client, recommend legal advice or close the Case.
17.2 Neotiqa is not required to determine whether a dispute is valid and may treat a dispute as genuine whenever it reasonably considers legal, technical or evidential determination is required.
17.3 If the Debtor enters or appears likely to enter liquidation, administration, restructuring, dissolution or another insolvency process, Neotiqa may close the Case and direct the Client to obtain insolvency advice.
17.4 Neotiqa is not responsible for filing proofs of debt, monitoring insolvency proceedings or protecting the Client's position unless separately agreed in writing.
18.1 Neotiqa may reject, suspend or terminate a Case immediately and without liability where:
18.2 The Client may terminate a Case by written notice.
18.3 Termination does not affect Commission already earned, the 60-day tail, Commission on continuing payment arrangements, accrued rights or provisions intended to survive.
18.4 Neotiqa may retain records as described in its Privacy Policy and as required for legal, compliance, insurance, accounting, Commission verification and dispute purposes.
18.5 Sections concerning Commission, records, confidentiality, data protection, indemnities, liability, intellectual property, non-reliance, governing law and accrued rights survive termination.
19.1 All amounts stated are exclusive of VAT unless expressly stated otherwise.
19.2 Invoices are payable by bank transfer to the account stated on the invoice and must be paid without deduction or set-off.
19.3 If an invoice is not paid by its due date, Neotiqa may suspend all Services and charge statutory interest, fixed compensation and reasonable recovery costs to the fullest extent permitted by the Late Payment of Commercial Debts (Interest) Act 1998.
19.4 The Client must reimburse Neotiqa for reasonable legal, tracing, audit and collection costs incurred in recovering overdue amounts owed under the Agreement.
19.5 A payment obligation is not conditional on the Client receiving payment from the Debtor or any other person.
20.1 Each party must keep the other party's confidential information confidential and use it only for the Agreement.
20.2 Confidential information does not include information that is lawfully public, was lawfully known without restriction before disclosure, is received lawfully from another source, is independently developed, or must be disclosed by law.
20.3 Neotiqa may disclose information to the Debtor as reasonably required for recovery, to its personnel and subcontractors, to professional advisers, insurers and auditors, to courts and authorities, and to prospective purchasers or investors subject to appropriate confidentiality protections.
20.4 Confidentiality obligations continue for five years after termination. Trade secrets remain protected for as long as they remain confidential.
21.1 Each party will comply with applicable data protection law.
21.2 Unless expressly agreed otherwise, the Client and Neotiqa act as separate independent controllers of personal data processed for their respective purposes.
21.3 The Client is responsible for the lawfulness, fairness and accuracy of personal data originally collected by it, having a lawful basis to disclose it to Neotiqa, providing any required privacy information, limiting disclosure to information reasonably necessary, and notifying Neotiqa of corrections, restrictions or relevant objections.
21.4 The Client must not provide special-category data, criminal-offence data or unnecessary personal information unless Neotiqa requests it and the Client has confirmed a valid legal basis.
21.5 Neotiqa may process personal data for recovery administration, communications, verification, tracing, dispute handling, legal claims, fraud prevention, security, accounting, compliance and operation of its business.
21.6 Further information is contained in the Neotiqa Recovery Privacy Policy.
22.1 The Client shall indemnify and keep indemnified Neotiqa, its directors, officers, employees, contractors and agents against all losses, liabilities, damages, penalties, compensation, claims, demands, proceedings, costs and expenses, including reasonable legal fees on a full-indemnity basis, arising from or connected with:
22.2 The indemnity is not subject to the liability cap in section 23.
22.3 Neotiqa may assume control of the defence or settlement of an indemnified claim. The Client must provide reasonable cooperation and must not admit liability or settle without Neotiqa's written consent.
23.1 Nothing in the Agreement excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any liability that cannot lawfully be excluded or limited.
23.2 Subject to clause 23.1, Neotiqa shall not be liable for:
23.3 Subject to clause 23.1, Neotiqa's total aggregate liability arising from or connected with a Case, whether in contract, tort, negligence, misrepresentation, breach of statutory duty or otherwise, shall not exceed the greater of £500 and the lesser of:
23.4 The liability cap applies to all claims and events collectively, not separately.
23.5 The liability cap does not limit the Client's obligation to pay Commission or other sums, comply with the indemnity, account for direct recoveries, or compensate Neotiqa for fraud, dishonesty or deliberate concealment.
23.6 The Client must take reasonable steps to mitigate any loss.
23.7 No claim may be brought unless the Client gives reasonably detailed written notice within three months after becoming aware of the circumstances and commences legal proceedings within 12 months after the event giving rise to the claim, to the fullest extent permitted by law.
24.1 Neotiqa owns or licenses all intellectual property in the Website, recovery processes, methodologies, templates, correspondence structures, systems, software, workflows, reports, internal records and know-how used or developed in providing the Services.
24.2 The Client receives no ownership rights in Neotiqa's intellectual property.
24.3 The Client may retain Case-specific communications for its internal records but may not reproduce, commercialise, distribute or repurpose Neotiqa's templates or methodologies.
24.4 The Client grants Neotiqa a non-exclusive, royalty-free licence to use its name, logo, documents and information solely as required to provide the Services and enforce the Agreement.
25.1 Website content is provided for general information only and may not reflect the facts of a particular Case.
25.2 Neotiqa does not warrant that the Website will be continuously available, error-free, secure from all threats, compatible with every system, or complete and current.
25.3 Calculators, statistics, examples, testimonials and estimated recovery figures are illustrative only.
25.4 A user must not attempt unauthorised access, interfere with the Website, introduce malicious software, scrape or systematically extract data, reverse-engineer functionality, submit fraudulent or unlawful Cases, upload unlawful content, or infringe another person's rights.
25.5 Neotiqa may suspend, modify or withdraw the Website without notice.
25.6 Neotiqa is not responsible for third-party websites, services, links or content.
26.1 Neotiqa is not liable for delay or failure caused by circumstances outside its reasonable control, including internet, email, telecommunications or power failures, cyberattacks, banking failures, government action, war, terrorism, civil unrest, sanctions, industrial action, fire, flood, epidemic, natural disaster, supplier failure, public-register failure or changes in law.
26.2 Neotiqa may suspend affected Services for the duration of the event.
27.1 A service complaint should be sent to hello@neotiqa.com with sufficient information for Neotiqa to investigate.
27.2 The parties will attempt in good faith to resolve a dispute through a telephone or video meeting.
27.3 Nothing prevents Neotiqa from recovering unpaid Commission, seeking urgent injunctive or protective relief, preserving a limitation position, or reporting a matter to an insurer, regulator or law-enforcement body.
28.1 Formal notices must be sent by email.
28.2 Notices to Neotiqa must be sent to hello@neotiqa.com.
28.3 Notices to the Client will be sent to the email address stated in the Case Submission or another address notified to Neotiqa.
28.4 A notice is deemed received on the next Business Day after sending, provided no delivery-failure notification is received.
29.1 Entire agreement. The Agreement constitutes the entire agreement concerning the Case and replaces all previous discussions, statements and understandings.
29.2 Non-reliance. The Client confirms that it has not relied on any statement, representation, estimate, promise or warranty not expressly contained in the Agreement.
29.3 Variation. Any Case-specific variation must be confirmed in writing by Neotiqa. Neotiqa may update these Terms for future Case Submissions by publishing a new version. An existing Case remains governed by the version accepted on submission unless the parties agree otherwise.
29.4 Assignment. The Client may not assign, transfer, charge or subcontract its rights or obligations without Neotiqa's written consent. Neotiqa may assign the Agreement to an affiliate, purchaser of its business or successor entity and may subcontract performance.
29.5 No exclusivity. Neotiqa may act for other clients, including businesses in similar industries, subject to its confidentiality obligations.
29.6 No waiver. Failure or delay in exercising a right does not waive it.
29.7 Severability. If any provision is invalid or unenforceable, it will be modified to the minimum extent necessary or severed and the remaining provisions will continue.
29.8 Third-party rights. Except for persons expressly protected by the indemnity and liability provisions, no third party may enforce the Agreement under the Contracts (Rights of Third Parties) Act 1999.
29.9 Cumulative rights. Rights and remedies under the Agreement are cumulative.
29.10 Electronic communications. Email and electronic communications satisfy any requirement for writing unless law requires otherwise.
30.1 The Agreement and any non-contractual dispute arising from it are governed by the laws of England and Wales.
30.2 The courts of England and Wales have exclusive jurisdiction.
