Effective date: 7 Oct 2026
These Terms of Service explain how Squaddle works, what you can expect from us and what we expect from you. They apply to all users of Squaddle.
If you have any questions, please contact us at info@squaddle.co.uk.
Squaddle is an online service for organising activities like sport, primarily via WhatsApp. It helps Organisers confirm attendees for their activities and collect money on their behalf (for example, to pay for the hire of a sports pitch).
Squaddle is provided by Squaddle Ltd, a company registered in the UK under number 11286335, with its registered office at 80-83 Long Lane, London, EC1A 9ET.
By creating an account or accepting an invitation to join a squad, you agree to these Terms of Service ("Terms"), as updated from time to time.
We may update these Terms at any time. If we make significant changes, we will change the effective date at the top of this page and notify users by sending a Service Update, as described in our Privacy Policy. By continuing to use Squaddle after updated Terms take effect, you agree to them.
These Terms are governed by the law of England and Wales.
In these Terms, the following definitions apply:
"Squaddle", "We" or "Our" means Squaddle Ltd.
"Squad" means a group created in Squaddle by an Owner, through which Organisers invite Members to activities and communicate with them.
"Squad Owner" or "Owner" means a user who creates and manages a squad or squads, organises activities, and may collect payments from Squad Members. Owners may withdraw funds.
"Squad Admin" or "Admin" means a user appointed to help manage a squad or squads. Admins have the same permissions as Owners, with the exception of withdrawing funds.
"Squad Organiser" or "Organiser" means one or both of an Owner or Admin.
"Squad Member" or "Member" means a user who receives activity invites from a squad, whether or not they confirm their attendance.
"Attendee" means a Squad Member who confirms their attendance at an activity created by an Organiser.
Squaddle is an online service only. We do not organise, supervise or control the activities that are created using Squaddle, and we have no control over their quality, safety or legality, or over the content Organisers post.
Organisers are solely responsible for their activities and content, including making sure that activities comply with applicable laws and regulations wherever they take place, and that appropriate insurance is in place. Owners are responsible for appointing Admins to share responsibility for managing a squad and can remove them at any time.
You must be 18 or over to create a squad or use Squaddle's payment functionality. If an activity is for people under 18, the Organiser is responsible for making sure that invitations and payments go to a parent or legal guardian.
We work to keep Squaddle reliable, but we cannot guarantee that it will always be available or error-free, or that messages will always be delivered on time. WhatsApp, email and payment services are provided by third parties outside our control. We may change, suspend or withdraw features from time to time, and will give reasonable notice of significant changes where we can.
To the extent permitted by law, Squaddle is not liable for any loss or harm arising from activities organised through Squaddle, content posted by Organisers, or interruptions, errors or failed or delayed messages. Nothing in these Terms limits or excludes any liability that cannot be limited or excluded by law, including liability for death or personal injury caused by negligence, or for fraud.
You must not use Squaddle for any unlawful activity, or to share content that is abusive, harassing, discriminatory or otherwise harmful. If we reasonably believe Squaddle is being used in this way, we may suspend or terminate your access with immediate effect.
We do not monitor activity or content on Squaddle, and this right does not oblige us to. If you think Squaddle is being used in a way that breaks these terms, please contact us.
Here is how you join, pause and leave a squad, and how to close your account:
Squaddle sends messages by WhatsApp, by email, or both, depending on your communication preferences. By joining a squad, you agree to receive messages from the Organisers of that squad and from Squaddle. These include:
Organisers can use Squaddle to message an entire squad, or only selected Members based on their status for an upcoming activity.
By joining a squad via WhatsApp and sending your first message to Squaddle, you explicitly consent to receive messages from Squaddle through WhatsApp. This messaging is subject to WhatsApp's standard Terms of Service and Privacy Policy.
Squaddle lets Owners collect activity fees from Members, for example to pay for pitch hire. When an Owner chooses to use Squaddle's payment functionality, they agree to be bound by the Stripe Connected Account Agreement (last update effective 6 January 2027), which includes the Stripe Terms of Service. These documents are available to review online, and Stripe may update them from time to time.
When payments are enabled, Squaddle acts as an agent for the Organiser, allowing Attendees to pay for an activity by bringing about the transaction on the Organiser's behalf.
Stripe handles all payment processing, and Squaddle does not hold funds directly. Squaddle does not see, store or have access to full card details entered by Attendees. Our Privacy Policy explains what transaction records we do keep and why.
Once an Owner has enabled payments, Admins can also handle payment links, reminders and refunds.
Squaddle lets Organisers see which Attendees have outstanding payments and send payment reminders to collect them. Payment reminders are part of our agency service, and Squaddle is not responsible or liable for Attendees who do not pay. If an Attendee pays outside of Squaddle, an Organiser can mark them as paid on the activity screen to update the record of outstanding payments.
An Attendee who drops out before the activity starts is refunded automatically, unless the Organiser has enabled "Charge late dropouts" for that activity. Organisers can enable or disable "Charge late dropouts" for each activity, and are responsible for telling Members which setting applies.
Where "Charge late dropouts" is enabled:
Organisers have absolute discretion over whether to refund payments that are not processed automatically. Refunds can be triggered by Organisers by marking an attendee “Out” for an activity where they are marked in.
If an Organiser cancels an activity with payments attached, all Attendees who have already paid are refunded automatically. Any late dropout charges that were applied before the activity was cancelled are also automatically removed.
Refunds are returned to the payment method used. If an Attendee paid with wallet credit, the refund is returned to their wallet rather than their payment card.
When Attendees pay for activities, the money is collected into the squad's balance and held by Stripe, our payment provider, and then accessed via a Stripe "Connected Account".
A Connected Account is an account that Stripe creates for the Owner within Squaddle's payment system, to allow Owners to withdraw funds to their bank account. Stripe is responsible for holding the money securely, and for regulatory compliance relating to holding it, until it is withdrawn.
Funds collected for an activity may only be withdrawn after the activity start time. This is to ensure that there are sufficient funds for Members to be refunded if they drop out prior to the activity taking place. For similar reasons, activities cannot be cancelled (triggering Member refunds) if there is an insufficient squad balance.
Only the Squad Owner can withdraw the squad balance. When an Owner withdraws funds, Stripe pays them to the bank account linked to the Owner's Connected Account. A non-personal account, such as a sports club's, can be used if the Owner is a signatory to it. Stripe or Squaddle may contact Owners for additional legal or security information if necessary.
When Organisers turn on payments for an activity, Members pay for activities through Squaddle.
Organisers choose when payment for an activity is due:
By marking themselves as attending an activity that requires payment, a Member agrees to pay the Organiser the fee that has been set.
Payments are made through Stripe, our payment provider, via the payment link we provide or via the wallet, as described below in 'Using the Squaddle wallet'. We record the payment status against activities, and Stripe emails a receipt to the address supplied at checkout.
Where Anytime payment applies, an unpaid fee becomes an outstanding payment once an activity starts. Members can check and pay outstanding payments by replying "pay" to Squaddle in WhatsApp, by using a “Payments” link in an email, by topping up their wallet after logging into Squaddle, or by asking an Organiser to send a payment reminder. In all cases, Members access a link to pay what is owed.
Outstanding payments can affect a Member's ability to leave a squad or close their account, as described in 'Joining and leaving a squad'.
If a Member believes they have been charged in error, they should check their Stripe receipt or, if they have a Squaddle account, Transactions in their account. If it still looks wrong, they can contact an Organiser of their squad, who can investigate and decide whether to refund them, or contact us for help.
Members with a Squaddle account can use a wallet to pay for activities automatically, instead of making individual payments.
When a Member tops up their wallet, they are making a payment to Stripe, our payment provider. Stripe holds and processes these funds. Wallet credit is a record, maintained by Squaddle, of the part of a Member's payments to Stripe that has not yet been used to pay for an activity. Squaddle is not an electronic money institution, does not issue electronic money, and does not hold funds on behalf of Members.
Wallet credit can only be used to pay for activities that the Member has marked themselves as attending, and for any outstanding payments the Member owes. It cannot be transferred to another Member, and Organisers cannot access it or use it for any other purpose.
Wallet credit is applied automatically, first to any outstanding payments and then to an activity when the Member marks themselves as attending. When credit is applied to an activity, it is deducted from the Member's wallet balance straight away. The funds are not transferred to the squad's balance until the activity starts. If the Member marks themselves as not attending before then, the credit is returned to their wallet, unless a late dropout charge applies. In that case, the credit remains reserved until the activity starts, and the charge is then taken from it, unless the Organiser waives the charge or the Member marks themselves as attending again.
Unused wallet credit can be withdrawn. When a Member requests a withdrawal, we will, where possible, process it as a refund, or partial refund, of the Stripe transaction(s) originally used to top up the wallet. If the amount requested exceeds the Member's most recent top-up, we will identify and refund the preceding top-up transaction(s) needed to fulfil the request. Refunds are made by Stripe to the original payment method used for each transaction. If a refund to the original payment method is not possible, we will contact the Member to arrange an alternative.
Members should ask us to withdraw any remaining wallet credit before closing their account.
Squaddle is an ad-free service. Organisers must not use Squaddle to promote anything other than the activities they organise. If you notice an Organiser using Squaddle for advertising or other promotion unrelated to their activities, please contact us and we will take appropriate action.