Terms & Conditions

Last updated: 27 April 2026

Note: This policy is a working draft. The current draft below is technically accurate to how the platform actually operates, and is intended as a basis for legal review before public launch.

1. Introduction

1.1 These Terms and Conditions ("Terms") govern your access to and use of the Stable Neighbours website, mobile site, and any related services (together, the "Platform").

1.2 The Platform is operated by Stable Neighbours Ltd, a company incorporated in England and Wales with company number 17124229 and registered office at 8 Andover Road, Southsea, England, PO4 9QG ("Stable Neighbours", "we", "us" or "our").

1.3 Stable Neighbours provides an online marketplace that enables users to connect with one another in relation to horse-related activities, including but not limited to:

• Listing horses for short-term or long-term arrangements;
• Booking horses to ride;
• Listing and booking farrier services;
• Listing and booking riding school lessons;
• Listing and renting horse boxes;
• Messaging and participating in group discussions;
• Posting questions and responses;
• Leaving reviews and ratings.

1.4 The Platform operates solely within the United Kingdom.

2. Acceptance of Terms

2.1 By creating an account, accessing, browsing, listing, booking, messaging, posting content, or otherwise using the Platform, you confirm that you:

• (a) have read and understood these Terms;
• (b) agree to be legally bound by them; and
• (c) are at least 18 years of age.

2.2 If you use the Platform on behalf of a business, riding school, professional practice, or other organisation, you confirm that you have authority to bind that entity to these Terms.

2.3 If you do not agree to these Terms, you must not access or use the Platform.

2.4 These Terms form a legally binding agreement between you and Stable Neighbours Ltd.

2.5 Your use of the Platform is also subject to our Privacy Policy, which explains how we collect and process personal data in accordance with applicable UK data protection law.

2.6 We may amend these Terms from time to time for valid reasons, including changes to the Platform, legal or regulatory requirements, or improvements to our services. Where changes are material, we will provide reasonable notice. The version of the Terms in force at the time you use the Platform will apply.

2.7 We recommend that you download or print a copy of these Terms for your records.

3. Our Role

3.1 Stable Neighbours operates solely as an online marketplace.

3.2 We provide a digital platform that enables users to connect with one another in relation to horse-related activities and services. We do not provide horses, riding services, riding instruction, farriery services, transport services, vehicle rental services, veterinary services, or any other equestrian or professional services directly.

3.3 All listings, bookings, communications and arrangements made through the Platform are entered into directly between users. Stable Neighbours is not a party to any agreement between users and does not act as agent, representative, partner, employer or insurer of any user. Nothing in these Terms creates any joint venture, partnership or employment relationship between Stable Neighbours and any user.

3.4 Stable Neighbours does not supervise, direct, control or monitor the conduct of users during any ride, lesson, appointment, rental, transport arrangement or other activity arranged through the Platform.

3.5 Stable Neighbours does not guarantee:

• (a) the accuracy, completeness or reliability of any listing, profile or content;
• (b) the behaviour, temperament, suitability, health or safety of any horse;
• (c) the competence, qualifications, experience or conduct of any rider, farrier, instructor, vehicle owner or other user;
• (d) the legality, safety or suitability of any vehicle, facility or equipment;
• (e) that any activity arranged through the Platform will be safe or free from risk; or
• (f) that any user complies with applicable laws or regulatory requirements.

3.6 Any decision to enter into a booking or arrangement through the Platform is made at your own discretion and risk. Users are responsible for assessing the suitability, safety and legality of any arrangement before proceeding.

3.7 Stable Neighbours does not guarantee that the Platform will be available at all times or free from technical errors, interruptions or delays.

3.8 Payments made through the Platform are processed by third-party payment service providers, currently Stripe, or such other provider as we may appoint from time to time. Stable Neighbours does not hold client money in its own bank account.

3.9 Stable Neighbours is not regulated by the Financial Conduct Authority and does not provide regulated financial services.

3.10 If you need to contact us, you may do so at:

Email: stableneighbours@gmail.com

4. Eligibility & Accounts

4.1 To use the Platform, you must:

• (a) be at least 18 years of age;
• (b) be legally capable of entering into binding contracts under the law of England and Wales; and
• (c) comply with these Terms.

4.2 The Platform is intended for use by individuals located in the United Kingdom. You are responsible for ensuring that your use of the Platform complies with applicable laws.

Accounts

4.3 All users must create a personal account ("Neighbour Account") in order to access certain features of the Platform.

4.4 By creating a Neighbour Account and accessing the Platform, you expressly request that we begin providing digital services immediately. You acknowledge that once you access the Platform, you lose any statutory right to cancel under the Consumer Contracts Regulations 2013 to the extent that the service has been performed.

4.5 Each Neighbour Account must be registered in the name of a single individual. Shared, joint or transferable accounts are not permitted.

4.6 You must provide accurate, current and complete information when creating your Neighbour Account and keep that information updated.

4.7 You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your Neighbour Account.

4.8 You must not:

• (a) create more than one Neighbour Account without our permission;
• (b) allow another person to access or use your Neighbour Account;
• (c) impersonate another person or misrepresent your identity; or
• (d) transfer, assign or sell your Neighbour Account.

4.9 If you believe your Neighbour Account has been accessed without authorisation, you must notify us promptly.

Additional Roles and Information

4.10 Users may activate additional roles within their Neighbour Account, including (without limitation) rider, horse owner, farrier, riding school, or horse box provider.

4.11 Where you activate an additional role, you may be required to provide further information relevant to that role.

4.12 You confirm that any information provided in connection with an additional role is accurate, complete and not misleading.

4.13 You are responsible for ensuring that you are legally permitted and appropriately authorised to provide any listing, service or vehicle made available through your account.

Suspension and Termination of Accounts

4.14 We may suspend, restrict or terminate your Neighbour Account, or remove access to specific roles or features, if we reasonably believe that:

• (a) you have breached these Terms;
• (b) you have provided false or misleading information;
• (c) your use of the Platform poses a risk to other users, horses, vehicles, property or the reputation of the Platform; or
• (d) suspension is required to comply with legal or regulatory obligations.

4.15 We will act reasonably when exercising our rights under clause 4.14 and, where appropriate, will inform you of the reasons for suspension.

4.16 You may close your Neighbour Account at any time, subject to any outstanding bookings, payments or legal obligations.

5. Listings & Accuracy

Creation of Listings

5.1 Users who activate a relevant role may create listings on the Platform, including listings for horses, services, lessons or horse boxes.

5.2 You are responsible for the content of any listing you create, including all descriptions, photographs and other information provided.

5.3 You must ensure that all information in your listing is accurate, complete, up to date and not misleading.

Disclosure Obligations

5.4 If you list a horse, you must disclose any known behavioural issues, health conditions, limitations or other matters that a reasonable person would consider relevant to safety or suitability.

5.5 If you list a service, lesson or vehicle, you must ensure that you are legally permitted and appropriately authorised to provide that service or vehicle.

5.6 You must not omit material information that could reasonably affect another user's decision to enter into a booking or arrangement.

Insurance and Permissions

5.7 If you create a listing for a horse, service, lesson or vehicle, you confirm that:

• (a) you hold insurance that is appropriate and adequate for the activities offered, including public liability insurance where applicable;
• (b) you have obtained any necessary permissions from landowners, yard owners or other relevant third parties; and
• (c) the listing and the activity offered comply with applicable laws and regulations.

5.8 If you participate in any riding or equestrian activity arranged through the Platform, you must ensure that you hold insurance that is appropriate and adequate for such activity, including personal accident and liability cover where applicable.

5.9 If you choose to participate without appropriate insurance, you do so entirely at your own risk and accept full responsibility for any loss, injury or damage arising.

5.10 Stable Neighbours does not verify, monitor or guarantee the existence, validity, scope or adequacy of any insurance policy held by any user and accepts no responsibility in relation to such matters.

Prohibited Listing Content

5.11 You must not include in any listing:

• (a) false, misleading or deceptive information;
• (b) unlawful, defamatory, abusive or discriminatory content;
• (c) content that infringes the intellectual property rights of any third party;
• (d) contact details, external links or information intended to facilitate payment or communication outside the Platform; or
• (e) content that breaches applicable laws or regulations.

Photographs and Media

5.12 You may upload photographs or other media to support your listing.

5.13 You confirm that you either own the content you upload or have the necessary rights and permissions to use it.

5.14 You grant Stable Neighbours a non-exclusive, worldwide, royalty-free licence to use, reproduce, display and distribute any content you upload for the purposes of operating, promoting and improving the Platform.

5.15 You retain ownership of your content.

Editing and Removal

5.16 You may edit or remove your listing at any time, subject to any existing bookings or legal obligations.

5.17 We may remove or restrict any listing if we reasonably believe it breaches these Terms or poses a risk to users, horses, vehicles, property or the reputation of the Platform.

6. User Content & Communications

User Content

6.1 The Platform allows users to create, post, upload, send and publish content, including profile information, posts, comments, reviews, messages and other communications ("User Content").

6.2 You are solely responsible for any User Content you create, post or transmit through the Platform.

6.3 Stable Neighbours does not endorse, approve or adopt any User Content and does not guarantee its accuracy, completeness or reliability.

Licence to Use User Content

6.4 By submitting User Content to the Platform, you grant Stable Neighbours a non-exclusive, worldwide, royalty-free licence to use, reproduce, store, display and distribute that User Content for the purposes of operating, maintaining, promoting and improving the Platform.

6.5 You retain ownership of your User Content.

Standards for User Content

6.6 You must ensure that your User Content:

• (a) is accurate and not misleading;
• (b) complies with applicable laws and regulations;
• (c) does not infringe the intellectual property rights or privacy rights of any third party;
• (d) is not defamatory, abusive, threatening, discriminatory or unlawful; and
• (e) does not contain contact details, payment instructions or other information intended to facilitate transactions outside the Platform.

Monitoring and Moderation

6.7 Stable Neighbours does not actively monitor or pre-approve User Content.

6.8 We may review and take action in relation to User Content if it is reported to us or if we otherwise become aware that it may breach these Terms.

6.9 We may remove, restrict or disable access to User Content if we reasonably believe it breaches these Terms or poses a risk to users, horses, vehicles, property or the reputation of the Platform.

6.10 The removal of User Content does not create any obligation on Stable Neighbours to monitor the Platform or to take similar action in relation to other content.

Communications Between Users

6.11 The Platform may provide messaging or group communication features to enable users to communicate.

6.12 Communications between users are private and are not routinely reviewed by Stable Neighbours.

6.13 You must not use the Platform to harass, threaten, intimidate or otherwise misuse communication features.

6.14 Stable Neighbours may access, review or disclose communications where reasonably necessary to:

• (a) investigate suspected breaches of these Terms;
• (b) comply with legal or regulatory obligations; or
• (c) respond to lawful requests from law enforcement authorities.

7. Intellectual Property Rights

7.1 All intellectual property rights in and to the Platform, including its design, layout, branding, logos, software, databases, text (excluding User Content), graphics and functionality, are owned by or licensed to Stable Neighbours Ltd.

7.2 You are granted a limited, non-exclusive, non-transferable licence to access and use the Platform for personal and lawful purposes in accordance with these Terms.

7.3 You must not:

• (a) copy, reproduce, modify or create derivative works of any part of the Platform;
• (b) use the Stable Neighbours name, logo or branding without prior written consent; or
• (c) exploit the Platform or its content for commercial purposes without our permission.

7.4 Nothing in these Terms transfers any intellectual property rights in the Platform to you.

8. Community Standards & Prohibited Conduct

General Conduct

8.1 You must use the Platform lawfully, responsibly and in good faith.

8.2 You must not use the Platform in any way that:

• (a) breaches applicable laws or regulations;
• (b) infringes the rights of any other user or third party; or
• (c) damages, disrupts or interferes with the operation, security or integrity of the Platform.

Circumvention of the Platform

8.3 You must not attempt to avoid, bypass or circumvent any fees, payment systems or processes provided through the Platform.

8.4 You must not use the Platform to solicit, arrange or facilitate transactions outside the Platform where those transactions originate through the Platform.

8.5 You must not request or share contact details, bank details or payment information for the purpose of completing transactions outside the Platform.

Fraud and Misrepresentation

8.6 You must not engage in fraudulent, deceptive or misleading conduct.

8.7 You must not misrepresent your identity, qualifications, experience, ownership, insurance status or authority in connection with any activity on the Platform.

Platform Misuse

8.8 You must not:

• (a) copy, reproduce, distribute or exploit listings or other content from the Platform without permission;
• (b) use automated systems, bots, scrapers or data extraction tools to access or collect information from the Platform;
• (c) reverse engineer, decompile, disassemble or attempt to derive the source code of the Platform;
• (d) introduce viruses, malware or other harmful code;
• (e) interfere with or attempt to gain unauthorised access to any part of the Platform or related systems.

Enforcement

8.9 If we reasonably believe that you have breached this Section 8, we may take appropriate action, including restricting access to features, removing content, suspending or terminating your account in accordance with Section 4.

8.10 Our failure to take action in relation to a breach does not constitute a waiver of our rights.

9. Bookings & Formation of Contract

Booking Requests

9.1 The Platform allows users to submit booking requests in relation to horses, services, lessons or vehicles listed by other users.

9.2 A booking request does not create a legally binding contract.

9.3 A listing does not constitute a legally binding offer capable of acceptance.

Acceptance and Formation of Contract

9.4 A legally binding contract between the relevant users is formed only when:

• (a) the booking request has been accepted through the Platform; and
• (b) payment has been successfully authorised and confirmed through the Platform's payment system.

9.5 Until both acceptance and successful payment authorisation have occurred, either user may withdraw from the proposed booking without contractual liability.

Introductory Calls and Meet & Greet Arrangements

9.6 The Platform may provide functionality enabling users to arrange introductory calls or in-person "meet and greet" visits prior to confirming a booking.

9.7 Any introductory call or meet and greet is arranged directly between users and does not create a legally binding contract unless and until the conditions set out in clause 9.4 are satisfied.

9.8 Stable Neighbours does not host, supervise, record, verify or control any introductory call or meet and greet and accepts no responsibility for the conduct, safety, content or outcome of such interaction.

9.9 Users acknowledge that any in-person meeting, including a meet and greet involving a horse or attendance at a yard or facility, is undertaken voluntarily and at their own risk.

9.10 Users remain solely responsible for ensuring that appropriate safety measures, permissions and insurance cover are in place in connection with any introductory call or meet and greet.

Nature of the Contract

9.11 Any contract formed under clause 9.4 is made directly between the relevant users.

9.12 Stable Neighbours is not a party to any contract formed between users and does not act as agent for either party.

9.13 The terms of any booking are limited to:

• (a) the information contained in the relevant listing;
• (b) any additional terms agreed through the Platform's messaging system prior to payment; and
• (c) these Terms.

User Responsibility

9.14 Users are responsible for ensuring that all details relating to the booking, including dates, times, pricing and specific conditions, are accurate before confirming payment.

9.15 Once a contract has been formed in accordance with clause 9.4, it is legally binding subject to the applicable cancellation provisions set out in Section 11.

10. Payments, Fees & Deposits

Payment Processing

10.1 Payments made through the Platform are processed by third-party payment service providers, currently Stripe, or such other provider as we may appoint from time to time.

10.2 By making or accepting payments through the Platform, you agree to comply with the applicable terms and conditions of the relevant payment service provider.

10.3 Stable Neighbours does not itself process payments, hold client money, or provide payment services.

Platform Fees

10.4 Stable Neighbours may charge fees for the use of certain features of the Platform, including bookings.

10.5 Any applicable fees will be clearly displayed before payment is made.

10.6 We may amend our fees from time to time for valid commercial reasons. Changes will not affect bookings that have already been confirmed.

Authorisation and Collection of Payment

10.7 When a booking is confirmed in accordance with Section 9, the relevant payment method will be charged or authorised through the Platform's payment system.

10.8 You authorise the Platform's payment provider to collect and transfer payments in connection with bookings and any applicable fees.

10.9 Stable Neighbours is not responsible for errors, delays, chargebacks or payment disputes arising from the actions of payment providers or financial institutions.

Deposits

10.10 The Platform may allow users to request or provide deposits in connection with a booking.

10.11 Any deposit arrangements are agreed directly between the relevant users.

10.12 Stable Neighbours does not determine entitlement to a deposit and does not adjudicate disputes relating to deposits.

10.13 Any release, retention or refund of a deposit will be processed in accordance with the instructions provided through the Platform or the payment provider's processes.

Taxes

10.14 Users are responsible for determining and fulfilling their own tax obligations arising from bookings or other activities conducted through the Platform.

10.15 Stable Neighbours does not provide tax advice and does not withhold or remit taxes on behalf of users unless required by law.

Regular Loan Arrangements

10.16 The Platform may allow users to enter into recurring monthly arrangements for the shared use or loan of a horse ("Regular Loan").

10.17 When a Regular Loan booking is confirmed, the first payment will be charged immediately and will cover the period from the agreed start date until the end of that calendar month.

10.18 Thereafter, payments will be charged automatically on the first day of each calendar month in advance for that month's loan period.

10.19 By confirming a Regular Loan booking, the rider authorises the Platform's payment provider to charge the agreed monthly amount on a recurring basis until the arrangement is cancelled or completed.

10.20 Either party may cancel a Regular Loan arrangement through the Platform at any time.

10.21 Where a Regular Loan is cancelled, no further monthly payments will be charged after the cancellation takes effect.

10.22 Any payment already made covers the loan only until the end of the paid period, after which the arrangement will automatically end unless a new booking is made.

10.23 Stable Neighbours does not adjudicate disputes relating to Regular Loan arrangements and is not responsible for enforcing the terms of any agreement between users beyond the operation of the Platform's payment system.

11. Cancellations

Rider / Service User Cancellations

11.1 A rider or service user may cancel a confirmed single-session booking through the Platform.

11.1A Regular Loan arrangements are subject to the payment and cancellation structure set out in Section 10.16–10.23, which govern recurring bookings.

11.2 If cancellation occurs more than 48 hours before the scheduled start time of the booking, the rider or service user will receive a refund of the amount paid to the listing provider.

11.3 If cancellation occurs within 48 hours of the scheduled start time, no refund will be due unless the listing provider agrees otherwise.

11.4 Platform fees charged by Stable Neighbours are non-refundable in the event of cancellation by the rider or service user.

Owner / Service Provider Cancellations

11.5 If an owner or service provider cancels a confirmed booking, the rider or service user will receive a full refund of all amounts paid, including any platform fees.

Refund Processing

11.6 Refunds will be processed through the Platform's payment provider and may be subject to the payment provider's processing times and policies.

11.7 Stable Neighbours does not guarantee the speed of refund processing and is not responsible for delays caused by payment providers or financial institutions.

No Adjudication

11.8 Stable Neighbours does not adjudicate disputes relating to cancellations and does not determine entitlement to refunds beyond the application of this cancellation policy.

11.9 Any agreement between users to vary or waive the cancellation terms must be clearly confirmed through the Platform.

12. Assumption of Risk

Inherent Risk of Equestrian Activities

12.1 You acknowledge and agree that horse riding and other equestrian activities involve inherent and unavoidable risks.

12.2 Horses are animals that may behave unpredictably and may react to sounds, movements, weather conditions, other animals or riders.

12.3 Equestrian activities may involve risks including, without limitation:

• (a) falls from a horse;
• (b) kicks, bites or other animal-related injury;
• (c) collisions with objects, other riders or vehicles;
• (d) equipment failure;
• (e) injury caused by uneven ground or environmental conditions; and
• (f) serious injury or death.

Voluntary Participation

12.4 By participating in any riding or equestrian activity arranged through the Platform, you confirm that you do so voluntarily and with knowledge of the inherent risks involved.

12.5 You accept responsibility for assessing your own ability, experience, fitness and suitability before participating in any activity.

12.6 You acknowledge that you are responsible for ensuring that you have appropriate safety equipment and appropriate insurance cover as required under these Terms.

No Supervision or Control by Stable Neighbours

12.7 Stable Neighbours does not supervise, manage or control equestrian activities arranged through the Platform and does not provide training, instruction or safety oversight.

12.8 Stable Neighbours is not responsible for the conduct of users, the condition or behaviour of any horse, or the safety of any location where activities take place.

No Exclusion of Non-Excludable Liability

12.9 Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law.

13. Role-Specific Additional Terms

Horse Box Rentals

Nature of Arrangement

13.1 Horse box listings may involve:

• (a) the rental of a vehicle to be driven by the renter; or
• (b) the provision of transport services by the listing provider.

13.2 The nature of the arrangement must be clearly stated in the listing.

Self-Drive Rentals

13.3 Where a horse box is rented for self-drive use:

• (a) the renter is responsible for ensuring they hold a valid and appropriate driving licence;
• (b) the renter is responsible for ensuring they are legally entitled and competent to drive the vehicle;
• (c) the renter is responsible for complying with all road traffic laws and regulations;
• (d) the renter is responsible for ensuring appropriate insurance cover applies to their use of the vehicle.

13.4 The listing provider is responsible for ensuring that any vehicle offered for rental:

• (a) is roadworthy;
• (b) complies with applicable vehicle safety and regulatory requirements; and
• (c) is insured as required by law.

Provider-Driven Transport

13.5 Where the listing provider offers transport services:

• (a) the provider is solely responsible for compliance with all applicable transport, licensing and insurance requirements;
• (b) the provider is responsible for ensuring they are legally permitted to transport horses.

13.6 Stable Neighbours does not verify driving licences, vehicle condition, insurance cover or regulatory compliance.

Professional Services (Farriers & Riding Schools)

13.7 Users offering farriery, instruction or other professional services are solely responsible for:

• (a) ensuring they hold any qualifications, certifications or licences required by law;
• (b) ensuring compliance with applicable professional or regulatory standards;
• (c) maintaining appropriate insurance cover.

13.8 Stable Neighbours does not verify qualifications, licensing, regulatory status or insurance of professional service providers.

13.9 Users booking professional services are responsible for assessing the suitability and credentials of the provider before proceeding.

14. Reviews & Ratings

Purpose of Reviews

14.1 The Platform may allow users to leave reviews and ratings relating to bookings or interactions with other users.

14.2 Reviews are intended to reflect the genuine experience of the reviewing user.

Responsibility for Reviews

14.3 You are solely responsible for the content of any review or rating you submit.

14.4 Reviews must be honest, fair, based on your actual experience, and must not be misleading.

14.5 Reviews must comply with applicable laws, including laws relating to defamation and unfair commercial practices.

Prohibited Review Conduct

14.6 You must not:

• (a) submit a false or fabricated review;
• (b) submit a review in exchange for payment, incentive or coercion;
• (c) threaten another user with a negative review to obtain compensation or favourable treatment;
• (d) post abusive, defamatory or discriminatory content in a review; or
• (e) attempt to manipulate ratings.

Moderation of Reviews

14.7 Stable Neighbours does not verify the accuracy of reviews and does not guarantee that reviews are truthful or reliable.

14.8 We may remove or restrict reviews if we reasonably believe they breach these Terms or applicable law.

14.9 We are not obliged to remove a review solely because a user disputes its content.

No Liability for Reviews

14.10 Stable Neighbours is not responsible for the content of reviews submitted by users.

14.11 The publication of a review does not constitute endorsement or approval by Stable Neighbours.

15. Disputes Between Users

User Responsibility

15.1 Any dispute arising between users in connection with a listing, booking, service, rental or other activity arranged through the Platform is a matter solely between those users.

15.2 Users are responsible for resolving disputes directly and in good faith.

No Adjudication by Stable Neighbours

15.3 Stable Neighbours does not act as mediator, arbitrator or adjudicator in disputes between users.

15.4 We are not responsible for determining fault, liability, entitlement to compensation, or the outcome of any disagreement between users.

15.5 Our application of the cancellation policy set out in Section 11 does not constitute adjudication of a dispute.

Assistance and Cooperation

15.6 We may, at our discretion, provide reasonable assistance to users in communicating with one another for the purpose of resolving a dispute.

15.7 We may request information from users where reasonably necessary to investigate potential breaches of these Terms.

15.8 We may cooperate with law enforcement authorities or regulatory bodies where required by law or where reasonably necessary in connection with alleged unlawful conduct.

Release

15.9 To the fullest extent permitted by law, you release Stable Neighbours from any claims, demands or damages arising out of or in connection with disputes between users.

16. Limitation of Liability

Non-Excludable Liability

16.1 Nothing in these Terms excludes or limits liability for:

• (a) death or personal injury caused by negligence;
• (b) fraud or fraudulent misrepresentation; or
• (c) any other liability that cannot be excluded or limited under applicable law.

16.2 The Platform is provided on an "as is" and "as available" basis. Stable Neighbours makes no representations, warranties or guarantees, whether express or implied, that the Platform will meet your requirements, operate without interruption, or be error-free.

No Liability for User Conduct

16.3 Subject to clause 16.1, Stable Neighbours is not liable for:

• (a) the acts or omissions of any user;
• (b) the conduct, behaviour or suitability of any horse, rider, provider or vehicle owner;
• (c) any loss or damage arising from arrangements made between users; or
• (d) any failure by a user to comply with applicable laws, regulations or insurance requirements.

Excluded Losses

16.4 Subject to clause 16.1, Stable Neighbours is not liable for any:

• (a) indirect or consequential loss;
• (b) loss of profit, revenue, business or anticipated savings;
• (c) loss of opportunity or goodwill; or
• (d) data loss or corruption,

whether arising in contract, tort (including negligence), breach of statutory duty or otherwise.

Cap on Liability

16.5 Subject to clause 16.1, Stable Neighbours' total aggregate liability to you arising out of or in connection with the Platform shall not exceed the greater of:

• (a) £1,000; or
• (b) the total fees paid by you to Stable Neighbours in the 12 months preceding the event giving rise to the claim.

16.6 This cap applies to all claims arising in contract, tort (including negligence), breach of statutory duty or otherwise.

Reasonableness

16.7 You acknowledge that the limitations and exclusions set out in this Section 16 are reasonable, having regard to:

• (a) the nature of the Platform as an intermediary service;
• (b) the allocation of risk between users; and
• (c) the availability of insurance.

17. Indemnity

User Indemnity

17.1 You agree to indemnify and keep indemnified Stable Neighbours Ltd, its directors, officers, employees and agents against any claims, liabilities, losses, damages, costs or expenses (including reasonable legal fees) arising out of or in connection with:

• (a) your breach of these Terms;
• (b) your use of the Platform;
• (c) any listing, content, review or communication submitted by you;
• (d) any booking, service, rental or activity arranged by you through the Platform;
• (e) your failure to comply with applicable laws, regulations or insurance requirements; or
• (f) any claim brought by another user or third party arising from your acts or omissions.

Scope of Indemnity

17.2 This indemnity applies only to the extent that the claim or loss arises from your conduct or breach and does not apply to the extent that the claim results from Stable Neighbours' negligence or breach of these Terms.

Cooperation

17.3 Where a claim arises that may be subject to indemnification under this Section, you agree to provide reasonable assistance and information to Stable Neighbours in connection with the defence or resolution of that claim.

18. Termination and Effect of Termination

Termination by You

18.1 You may close your Neighbour Account at any time through the Platform, subject to any outstanding bookings, payments or legal obligations.

18.2 Closure of your account does not automatically cancel any confirmed bookings. Confirmed bookings remain subject to these Terms, including the cancellation policy set out in Section 11.

Termination or Suspension by Stable Neighbours

18.3 Stable Neighbours may suspend or terminate your access to the Platform in accordance with Section 4.

18.4 Where reasonably practicable, we will notify you of termination and the reasons for it, unless doing so would:

• (a) breach legal or regulatory obligations;
• (b) compromise an investigation; or
• (c) pose a risk to other users or the integrity of the Platform.

Effect of Termination

18.5 Upon termination:

• (a) your right to access and use the Platform will cease immediately;
• (b) we may remove or disable your listings and content;
• (c) any outstanding confirmed bookings will continue to be governed by these Terms unless cancelled in accordance with Section 11.

18.6 Termination does not affect:

• (a) rights or obligations that accrued prior to termination;
• (b) any payments due;
• (c) any provisions of these Terms that are intended to survive termination.

Survival

18.7 The following sections shall survive termination:

• Section 3 (Our Role);
• Section 12 (Assumption of Risk);
• Section 15 (Disputes Between Users);
• Section 16 (Limitation of Liability);
• Section 17 (Indemnity);
• this Section 18; and
• Section 21 (Governing Law & Jurisdiction).

19. Force Majeure

Events Beyond Our Control

19.1 Stable Neighbours shall not be liable for any failure to perform, or delay in performing, any obligation under these Terms where such failure or delay results from events beyond our reasonable control.

19.2 Such events may include, without limitation:

• (a) acts of God, flood, fire, storm or extreme weather;
• (b) war, civil unrest or terrorist activity;
• (c) government action, regulation or restriction;
• (d) failure of telecommunications networks or internet service providers;
• (e) failure or disruption of third-party service providers, including payment processors;
• (f) power outages;
• (g) cyber attacks or malicious interference; or
• (h) industrial disputes not involving our workforce.

Effect of Force Majeure

19.3 Where a force majeure event occurs, our obligations under these Terms shall be suspended for the duration of the event.

19.4 We will take reasonable steps to resume normal operation of the Platform as soon as reasonably practicable.

20. Changes to These Terms

Right to Amend

20.1 Stable Neighbours may amend these Terms from time to time for valid reasons, including:

• (a) changes to the Platform's features or functionality;
• (b) changes in applicable laws or regulatory requirements;
• (c) security or technical improvements;
• (d) changes to payment providers or operational processes; or
• (e) changes to our commercial model.

Notice of Changes

20.2 Where changes are material, we will provide reasonable notice, which may include notification by email or through the Platform.

20.3 The updated Terms will take effect from the date specified in the notice.

Effect of Changes

20.4 Changes to these Terms will not affect confirmed bookings made prior to the effective date of the change, unless required by law.

20.5 By continuing to access or use the Platform after the effective date of updated Terms, you agree to be bound by the revised Terms.

If You Do Not Agree

20.6 If you do not agree to any changes to these Terms, you must stop using the Platform and may close your Neighbour Account in accordance with Section 18.

21. Governing Law & Jurisdiction

Governing Law

21.1 These Terms and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them or the use of the Platform shall be governed by and construed in accordance with the laws of England and Wales.

Jurisdiction

21.2 Subject to clause 21.3, the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or the use of the Platform.

21.3 If you are a consumer resident in Scotland or Northern Ireland, you may also bring proceedings in the courts of your part of the United Kingdom, and nothing in these Terms affects your statutory rights to do so.