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Terms & Conditions

Last updated: 2 April 2026

1. About Leo and Our Role

1.1. Leo (“the Platform”, “we”, “us”) is operated by Leo Casa Limited, a company registered in England and Wales (company number 16259714), with registered office at Suite 402, 2 Old Brompton Road, London, United Kingdom, SW7 3DQ. Contact: peter@leo.casa

1.2. We are a technology platform that connects homeowners with tradespeople. We do not perform any construction, renovation, plumbing, electrical, or other building work. We do not employ, subcontract, or control tradespeople listed on the Platform.

1.3. Any arrangement made between a homeowner and a tradesperson through the Platform is a separate contract between those parties, to which Leo is not a party and for which Leo has no liability or responsibility, except as expressly stated in these Terms.

1.4. Services described on the Platform are provided by the tradesperson, not by Leo. The tradesperson is solely responsible for the quality, timing, legality, and safety of their work.

2. Accounts and Eligibility

2.1. You must be at least 18 years old and legally capable of entering binding contracts.

2.2. You must provide accurate, current, and complete information during registration.

2.3. You are responsible for maintaining the confidentiality of your account credentials.

3. Scope of Work Agreement

3.1. The Platform facilitates the creation of a structured Scope of Work document that describes the work to be performed, materials, timeline, and pricing.

3.2. When both the homeowner and the tradesperson click “I Accept” on a Scope of Work, this constitutes a binding agreement between the homeowner and the tradesperson for the work described. Leo is not a party to this agreement.

3.3. The acceptance is recorded with the user’s identity, timestamp, IP address, and the version of the document accepted. This record is stored securely and may be used as evidence in the event of a dispute.

3.4. Pre-contractual information: Before acceptance, the full Scope of Work is presented to both parties including: description of work, itemised pricing, total cost (including any platform fees and applicable taxes), payment terms, estimated timeline, and these Terms of Service.

4. Payments

4.1. Payments are processed through Stripe Connect. Leo does not directly hold, receive, or have access to customer funds. All funds are held within the Stripe payments infrastructure.

4.2. Payment flow:

4.3. Confirmation of completion: The homeowner is expected to confirm or raise concerns within 14 calendar days of the tradesperson marking the work as complete. If no response is received within this period, Leo may review the available evidence and release the remaining funds to the tradesperson.

4.4. Refunds: If work is not completed or is materially different from the agreed Scope of Work, the homeowner may request that held funds be refunded. Leo will review the evidence and make a determination in accordance with Section 7.

5. Variation Orders

5.1. Renovation work may require changes to the original Scope of Work due to unforeseen conditions discovered during the project.

5.2. Any change to the scope, pricing, or timeline must be submitted as a Variation Order through the Platform, including: a description of what changed and why, photographic evidence where applicable, the additional cost (if any), and the impact on timeline.

5.3. A Variation Order requires explicit acceptance by the homeowner before any additional charges apply or additional work begins.

5.4. The homeowner is not obligated to accept a Variation Order. If the homeowner declines, the tradesperson is expected to complete the original Scope of Work as agreed.

6. Payment Protection

6.1. Leo’s primary protection for homeowners is the payment hold mechanism described in Section 4. Funds are not released to the tradesperson until the homeowner confirms the work is satisfactory, or until Leo makes a determination following the dispute process in Section 7.

6.2. This is the protection. If the work does not meet the agreed Scope of Work, the held funds can be returned to the homeowner rather than released to the tradesperson.

6.3. This is NOT insurance. The payment hold mechanism is a contractual arrangement between the parties facilitated by the Platform. It is not an insurance contract, an offer to insure, or a substitute for insurance. We strongly encourage you to obtain your own insurance for any losses not addressed by this mechanism.

6.4. Limitations: The payment hold protects funds that have not yet been released. Once funds are released to the tradesperson (either by homeowner confirmation or platform determination), the Platform has no further financial obligation regarding those funds.

6.5. This mechanism does not affect your legal rights against the tradesperson or any other rights you may have under applicable law.

7. Dispute Resolution

7.1. If a dispute arises between a homeowner and a tradesperson regarding the quality, completeness, or pricing of work, either party may raise a claim through the Platform.

7.2. Process:

7.3. Evidence considered: The original Scope of Work, Variation Orders (if any), completion photographs, communication records, market pricing data, and any independent professional assessment.

7.4. By using the Platform, you irrevocably agree to release Leo from any and all losses, damages, claims, or demands arising out of or related to a dispute between a homeowner and a tradesperson, other than in relation to a breach of these Terms by Leo.

7.5. EU Online Dispute Resolution: Consumers resident in the EU may also use the European Commission’s Consumer Redress platform: https://consumer-redress.ec.europa.eu/index_en

7.6. Contractor arbitration commitment: As a condition of Platform membership, tradespeople agree to participate in consumer arbitration under the Sistema Arbitral de Consumo, governed by Real Decreto 713/2024, for any dispute arising from work performed through the Platform. Homeowners retain the right to choose arbitration or court proceedings independently of this commitment.

7.7. Independent expert review: Leo may engage a qualified Arquitecto Técnico (aparejador, registered COAAT member) to provide an independent technical opinion on disputed work. The cost of this review is borne by Leo and is not charged to either party at the time of review. After the dispute is resolved, Leo may recover the cost of any physical site visit from the party found to be at fault, typically from funds held within the Stripe infrastructure. The expert’s written opinion is admissible as evidence in arbitration or court proceedings under the standard rules of evidence applicable to pericial documental in Spain.

7.8. Leo’s role and limitations: Leo facilitates dispute resolution. Leo does not provide legal advice, legal representation, or act as a party to the construction agreement between homeowner and tradesperson. Leo’s determination under Section 7.2(f) relates solely to the disposition of funds held within the Stripe payment infrastructure. It does not constitute a legal finding and does not preclude either party from pursuing their legal rights through arbitration or the courts.

7.9. Claims reserve: For disputes where the tradesperson is found to be at fault and the disputed amount is below €1,000, Leo may elect to refund the homeowner from its own operating funds and pursue recovery from the tradesperson independently. This is a discretionary commercial decision made on a case-by-case basis. It does not constitute a guarantee, an insurance contract, or a promise of payment. Leo assumes no obligation to exercise this discretion in any particular case.

8. Tradesperson Obligations

8.1. Tradespeople listed on the Platform must provide accurate information about their qualifications, experience, and insurance status.

8.2. Tradespeople must perform work in accordance with the agreed Scope of Work, to a standard consistent with industry practice.

8.3. Tradespeople must submit Variation Orders through the Platform for any changes to scope, pricing, or timeline. Verbal agreements to change terms are not recognised by the Platform.

8.4. Tradespeople agree to indemnify and hold harmless Leo and its officers, directors, and employees from and against any claims, damages, losses, or expenses arising from or related to: (a) the tradesperson’s work; (b) any breach of these Terms; (c) any negligence or wilful misconduct; (d) any claim by a homeowner or third party in connection with the work.

8.5. Arbitration commitment: Tradespeople agree to participate in consumer arbitration under the Sistema Arbitral de Consumo (governed by Real Decreto 713/2024) for any dispute arising from work performed through the Platform. This commitment is a condition of Platform membership. Refusal to participate when invited by the relevant Junta Arbitral de Consumo constitutes a material breach of these Terms.

8.6. Fund recovery authorisation: Tradespeople authorise Leo to recover disputed amounts, and any costs incurred by Leo in connection with a dispute (including independent expert review costs where the tradesperson is found to be at fault), from: (a) pending milestone payments held within the Stripe infrastructure; (b) future payouts to the tradesperson’s connected Stripe account via Stripe Connect transfer reversal; or (c) direct debit from the tradesperson’s registered bank account, to the extent authorised under any SEPA Direct Debit mandate provided at onboarding. Leo will provide notice of any such recovery action where practicable.

9. Limitation of Liability

9.1. Leo is a technology platform. We do not warrant, represent, guarantee, or take responsibility for the quality, timing, safety, legality, or any other aspect of the work performed by tradespeople.

9.2. To the maximum extent permitted by applicable law, Leo shall not be liable for:

9.3. Liability cap: Leo’s total aggregate liability to you under or in connection with these Terms, whether in contract, tort, or otherwise, is limited to the total platform fees paid by you in the 12 months preceding the claim.

9.4. Nothing in these Terms excludes or limits liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; (c) any other liability that cannot be excluded or limited under applicable law.

10. Privacy and Data Protection

10.1. We process personal data in accordance with our Privacy Policy and applicable data protection laws, including the UK GDPR and EU GDPR.

10.2. For EU-based users, our legal basis for processing includes: performance of a contract, legitimate interests, and consent where applicable.

10.3. Analytics: We use PostHog (EU-hosted, cookieless mode) to collect anonymised, aggregated usage data—such as pages visited, features used, and general interaction patterns. This data cannot identify individual users. No cookies or device storage are used for analytics. PostHog processes data on EU servers (Frankfurt). You may opt out by contacting us at peter@leo.casa.

10.4. Criminal record verification data: As part of the tradesperson verification process, Leo requires tradespeople to upload a current Certificado de Antecedentes Penales (Spanish criminal record certificate) issued by the Ministry of Justice. Leo stores only: (a) the date on which the certificate was uploaded; and (b) a pass/fail determination (whether the certificate showed no disqualifying convictions). The raw certificate is deleted from Leo’s systems immediately after review and is not retained. The legal basis for this processing is contractual necessity (Article 6(1)(b) GDPR — necessary for the performance of the verification contract with the tradesperson) and legitimate interests (Article 6(1)(f) GDPR — fraud prevention and consumer protection). Processing of this data is subject to the conditions in Article 10 GDPR and the applicable provisions of the Ley Orgánica de Protección de Datos Personales y Garantía de los Derechos Digitales (LOPDGDD). Data retention: the upload date and pass/fail result are retained for the duration of the tradesperson’s active Platform account and for 3 years thereafter for audit purposes.

11. Right of Withdrawal

11.1. Under EU consumer protection law, consumers have a 14-day right of withdrawal from distance contracts.

11.2. Exception: This right does not apply to contracts for the supply of services where the service has been fully performed, or where the consumer has requested that performance begin within the withdrawal period and has acknowledged that the right of withdrawal will be lost upon full performance. Most construction and renovation services fall within this exception once work has commenced.

11.3. Before any work begins, the homeowner will be informed of the withdrawal period and any applicable exceptions.

12. Governing Law and Jurisdiction

12.1. These Terms are governed by the laws of England and Wales.

12.2. For consumers resident in the European Union, nothing in these Terms affects your rights under the mandatory consumer protection laws of your country of residence.

12.3. Any disputes will be subject to the non-exclusive jurisdiction of the courts of England and Wales, without prejudice to the right of EU consumers to bring proceedings in their country of residence.

13. Contact

Leo is operated by Leo Casa Limited (company number 16259714).
Suite 402, 2 Old Brompton Road, London, United Kingdom, SW7 3DQ
Email: peter@leo.casa
EU Consumer Redress: https://consumer-redress.ec.europa.eu/index_en

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