Terms of Service

Definitions

About Estiquote

Estiquote is a UK home improvement cost intelligence platform. It provides two core services:

• Cost Estimator: An interactive tool that generates indicative cost ranges for home improvement projects across eight trade categories, using regional UK pricing data updated monthly.
• Builder Marketplace: A map-based directory of verified local trade businesses. Homeowners can search for contractors in their area and send direct enquiries. Builders pay a monthly subscription to be listed.

Estiquote is operated by SSH Ltd, a holding company registered in England and Wales. Estiquote is a trading brand of SSH Ltd.

Estiquote is not a construction company, contractor, or regulated financial or legal adviser. We do not carry out building work, manage projects, or guarantee the quality of any trade business listed on the platform.

Acceptance of Terms

By accessing Estiquote, creating an account, or making a payment, you confirm that:

• You are at least 18 years of age.
• You have the legal capacity to enter into a binding agreement.
• If registering as a business, you are authorised to bind that business to these terms.
• All information you provide to us is accurate and up to date.
• You have read and understood these Terms of Service in full.

These terms form a legally binding agreement between you and SSH Ltd. If you do not agree to any part of these terms, you must not use Estiquote.

User Accounts

To save estimates, access paid features, or list a builder profile, you must create an account. You agree to provide accurate, current, and complete information during registration and to keep your account details up to date.

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify us immediately at estiquoteofficial@gmail.com if you suspect unauthorised access to your account.

We reserve the right to suspend or terminate your account at any time if we believe you have violated these terms, provided false information, or engaged in conduct harmful to other users or to Estiquote. Where possible, we will notify you before doing so.

Each individual may hold one homeowner account. Trade businesses may register one builder listing per business entity. Creating multiple accounts to circumvent plan limits or our verification process is not permitted.

Homeowner Plans & Features

Estiquote offers three homeowner plans. The features available under each plan are set out below. By subscribing to a paid plan, you acknowledge that certain features are still in development and are marked accordingly.

The Free plan is available indefinitely at no cost. It includes access to the cost estimator for all 8 trade categories across 6 UK regions, with a limit of 3 saved projects. The basic material index shows 3 materials. No payment details are required to use the Free plan.

The Pro plan gives homeowners full access to the cost estimator including the line-item cost breakdown, full 10-material price tracker, contractor quote comparison tool, postcode-level pricing, unlimited saved projects, and PDF export. A 14-day free trial is available for new subscribers. You will not be charged until the trial period ends.

The Trade plan is designed for property professionals including architects, surveyors, developers, estate agents, and mortgage brokers. It includes everything in Pro, plus priority email support and early access to new features. Additional features including white-label PDFs, client-facing links, API access, and CSV export are in development and will be available to Trade subscribers when launched.

Builder Plans & the Marketplace

Trade businesses can subscribe to list their services on the Estiquote Builder Marketplace. Three tiers are available:

All builder listings are subject to verification before going live. Estiquote will verify the business name, contact details, public liability insurance, and relevant trade qualifications (for example, Gas Safe registration for heating engineers, NICEIC registration for electricians). The Verified badge is only awarded following successful verification.

We aim to complete verification within 24 hours of a complete application. We reserve the right to decline any application that does not meet our verification standards, in which case any subscription payment will be refunded in full.

You are responsible for ensuring that all information on your builder profile — including trades, coverage area, insurance status, and qualifications — is accurate and kept up to date. You must notify us immediately if your insurance lapses or a relevant qualification expires.

Estiquote provides a channel for homeowners to contact builder businesses directly. We do not guarantee any volume of enquiries. We do not charge per-lead fees — all enquiries received during your subscription period are included in your flat monthly fee. Estiquote is not a party to any contract formed between a homeowner and a builder as a result of an enquiry made through the platform.

Verified customer reviews are available on the Featured and Pro builder tiers. Reviews are submitted by homeowners following a completed project. Estiquote reserves the right to moderate, remove, or decline to publish reviews that we determine to be false, defamatory, or in breach of these terms. We do not guarantee that all reviews will be published.

Payments & Billing

All payments are processed by Stripe. By subscribing, you agree to Stripe's Terms of Service in addition to these terms. Payment card details are held securely by Stripe and are not stored by Estiquote or SSH Ltd.

Subscriptions are billed monthly in advance on a rolling basis. The billing date is set to the date on which your subscription first began (or, for trial users, the date the trial ended). Bills are sent to the email address associated with your Stripe account.

New subscribers to the Pro homeowner plan and all builder plans are entitled to a 14-day free trial. You will not be charged until the trial period ends. You may cancel at any time during the trial period without charge. After the trial ends, your subscription will automatically renew at the applicable monthly rate unless cancelled.

We reserve the right to change subscription prices. If we increase the price of a plan you are subscribed to, we will give you at least 30 days' notice by email before the new price applies. You may cancel your subscription at any time if you do not wish to pay the new price.

If a payment fails, Stripe will attempt to retry the charge over several days. If payment cannot be collected, your subscription will be suspended until payment is received. We will notify you by email if a payment fails.

All prices shown on Estiquote are inclusive of VAT where applicable. Estiquote cost estimates are shown exclusive of VAT unless otherwise stated. VAT receipts for subscription payments are available from your Stripe billing portal.

Cancellation & Refunds

You may cancel your subscription at any time from your Estiquote account settings, or by contacting us at estiquoteofficial@gmail.com. Cancellation takes effect at the end of your current billing period. You retain access to paid features until that date.

We offer a 14-day free trial on Pro and all builder plans so you can evaluate the service before being charged. Outside of the trial period, we do not offer refunds for subscription payments already made, except in the following circumstances:

• We are unable to verify your builder listing and your application is declined — a full refund will be issued.
• A technical error on our part resulted in you being charged incorrectly.
• You are entitled to a refund under applicable UK consumer law.

When you cancel a builder subscription, your listing will be removed from the Estiquote map and directory at the end of the current billing period. Any saved reviews or profile content will not be retained after cancellation.

If we terminate your account for breach of these terms, no refund will be issued for the current billing period. If we terminate your account for reasons other than breach — for example, if we withdraw a product or service — we will issue a pro-rata refund for the unused portion of your subscription.

Cost Estimates — Important Disclaimer

Estiquote estimates are derived from the following data sources:

• BCIS (Building Cost Information Service): Regional construction cost indices and trade labour rates.
• BMF (Builders Merchant Federation): Merchant material pricing data.
• ONS (Office for National Statistics): Construction output price index.
• Internal calibration data based on submitted and verified project outcomes.

Material prices are updated monthly. Regional labour multipliers are reviewed quarterly.

Estiquote estimates do not account for: site-specific access constraints, structural surveys, planning conditions, ground investigation findings, party wall obligations, unusual material specifications, contractor premiums, or any other project-specific factors. You should always obtain at least three written quotes from qualified contractors before committing to any project.

Nothing produced by Estiquote constitutes professional quantity surveying, structural engineering, architectural, financial, or legal advice. Estiquote does not accept liability for decisions made on the basis of its estimates. For significant capital expenditure, we strongly recommend engaging a qualified professional.

All Estiquote cost estimates are shown exclusive of VAT unless otherwise stated. Most UK building contractors charge VAT at 20% on labour and materials. Some projects may qualify for reduced VAT rates (for example, certain conversions and renovations). Always confirm VAT treatment with your contractor and seek professional advice where necessary.

Builder Listings — Conduct & Obligations

Builder Users must ensure their listing accurately represents their business at all times. This includes trades offered, coverage area, qualifications, insurance status, and years of experience. Misrepresentation of any kind may result in immediate suspension without refund.

All Builder Users must hold valid public liability insurance of at least £1,000,000 for the duration of their subscription. You must notify Estiquote immediately if your insurance lapses. We may request proof of insurance at any time and may suspend your listing if proof is not provided within 48 hours of request.

Where your services require statutory certification (for example, Gas Safe registration, NICEIC registration, or equivalent), you must hold and maintain the relevant current certification. Listing services for which you are not qualified is a serious breach of these terms and may constitute an offence under applicable UK law.