CURAM TERMS & CONDITIONS
Effective Date: 24th February 2026
These Terms & Conditions (“Terms”) govern use of the Curam platform and related services.
By creating an account, using our website or apps, booking care, or providing care via Curam, you agree to these Terms.
1. About Curam
Curam is the trading name of Ecare Group Ltd and its group companies, including:
- Curamcare Ltd
- Curam Managed Care Services Ltd
- Curam PAYE Ltd
- Curam CQC Ltd
Registered Office:
18 Ashwin Street, London E8
Company Number: 10741773
References to “Curam”, “we”, “us” or “our” include the relevant group company providing services to you.
2. Our Services
Curam operates:
- A digital platform connecting carers and clients.
- A managed care service.
- A CQC-regulated care service where selected or legally required.
The applicable model depends on the service selected and, in some cases, legal requirements.
3. Care Service Models
3.1 Introductory (Unregulated) Model
Under this model:
- Curam introduces carers and clients.
- A Service Agreement forms a contract directly between the client and the carer.
- Curam is not a party to that agreement.
- Carers operate independently.
- Curam provides digital tools, payment systems, insurance (where conditions are met), monitoring systems and safeguarding support.
- Curam does not supervise or manage day-to-day care delivery.
This model is typically lower in cost because it does not include regulated oversight.
3.2 Managed and/or CQC-Regulated Model
Curam offers all clients the option of receiving a managed and/or CQC-regulated care package.
Under this model:
- A Curam group company acts as care provider and/or manager.
- Care planning, governance and regulatory compliance apply.
- Services operate in accordance with Care Quality Commission (CQC) regulations where required.
Regulated packages generally involve higher costs due to compliance and supervision.
In some circumstances:
- The law requires regulated delivery; or
- A client or funder requires regulated care.
Curam reserves the right to require regulated delivery where necessary for legal compliance or safeguarding.
4. User Accounts and Conduct
4.1 General Requirements
Users must:
- Be at least 18 years old.
- Provide accurate and current information.
- Use the platform lawfully and respectfully.
4.2 Carer Eligibility
If registering as a carer, you must:
- Be at least 21 years old.
- Have a minimum of 2 years’ UK care experience (unless otherwise approved).
- Provide required identity, right-to-work and background documentation.
Curam reserves discretion to approve, refuse, suspend or remove any carer.
4.3 Standards of Conduct
Curam operates a zero-tolerance policy toward:
- abusive or discriminatory behaviour.
- Unlawful conduct.
- Substance misuse.
- Providing care while under the influence of alcohol or drugs.
Where Curam reasonably determines misconduct has occurred, we may suspend or permanently remove the individual and report concerns to relevant authorities.
4.4 Suspension and Termination
Curam may suspend or terminate accounts immediately where a user:
- Breaches these Terms.
- Attempts to circumvent platform fees or insurance.
- Poses safeguarding risks.
- Engages in unlawful activity.
- Or where necessary to protect users or regulatory compliance.
Access to Curam is a privilege, not a right.
5. Carer Status
5.1 Self-Employed Carers
Unless engaged via Curam PAYE Ltd:
- Carers operate as independent contractors.
- Carers choose assignments and availability.
- Carers are responsible for tax affairs.
- There is no obligation to accept work.
Platform standards, monitoring systems, AI tools, insurance access and payment systems do not create employment, worker status or agency relationships.
5.2 PAYE Route
Where carers work via Curam PAYE Ltd, separate employment terms apply.
6. Payments, Fees and Funding
All payments must be processed via Curam’s authorised systems.
Off-platform payments (except legitimate expenses) are prohibited and may invalidate insurance.
Platform fees may vary and may be updated with notice.
6.1 Local Authority / NHS Funding
Where care is funded via Local Authority, NHS or approved personal budgets, Curam may vary or waive standard platform fees subject to verification.
Proof of funding may be required.
Fees cannot be refunded retrospectively where incorrect funding details were selected.
7. VAT
VAT treatment depends on the nature of services supplied and applicable UK legislation.
Where care services qualify for VAT exemption under UK law, VAT will not be charged on those services.
Recruitment and introduction fees are subject to VAT at the prevailing rate.
Curam reserves the right to adjust VAT treatment in accordance with changes in law or HMRC guidance.
8. Insurance
Carer insurance applies only where:
- A valid Service Agreement exists.
- A Shift Invoice is created.
- Payment is processed via Curam.
Off-platform arrangements invalidate insurance.
9. Cancellations, Refunds and Shadow Shifts
9.1 Cancellations
Clients should provide at least 48 hours’ notice of cancellation.
Carers may charge for late cancellations unless agreed otherwise.
9.2 Refunds
Curam facilitates payments between clients and carers.
In introductory arrangements:
- Curam is not a party to the Service Agreement.
- Responsibility for care delivery rests with the carer.
- Disputes must be resolved directly between client and carer.
Once payment has been released to the carer:
- Curam does not provide refunds on behalf of carers.
- Any agreed refund must be arranged directly between client and carer.
Curam platform fees are non-refundable once processed, except where required by law.
Curam may investigate complaints at its discretion, but this does not make Curam responsible for underlying care services in introductory arrangements.
9.3 Shadow Shifts
Carers must create a Service Agreement and Shift Invoice for shadow shifts.
Failure to do so may invalidate insurance and result in suspension.
10. Off-Platform Engagement and Recruitment Fees
If a client engages a carer introduced via Curam outside the platform without written consent:
An introduction fee of £1,000 + VAT per carer becomes payable.
Payment is due within 5 working days.
Interest at 8% above Bank of England base rate may apply.
10.1 Approved Recruitment Option
After 90 consecutive days of billing via the platform, and with prior written approval, a client may recruit a carer upon payment of a one-off fee of £750 + VAT.
Requests prior to 90 days require discussion and approval.
11. Monitoring, AI and Automated Systems
Curam uses AI-assisted monitoring systems with human oversight for:
- Safeguarding
- Fraud prevention
- Compliance
- Quality assurance
- Operational efficiency
This may include analysis of:
- Platform messages
- Emails
- Telephone calls
- Audio/video calls
- Care documentation
- Activity logs
AI supports but does not replace human judgment and does not constitute supervision of care delivery in introductory arrangements.
12. Liability
To the fullest extent permitted by law:
Curam is not responsible for acts or omissions of carers or clients in introductory arrangements.
Liability is capped at total fees paid to Curam in the 12 months preceding the claim.
Curam is not liable for indirect or consequential loss.
Nothing excludes liability for death, personal injury caused by negligence, fraud, or liabilities that cannot legally be excluded.
13. Complaints
Complaints should be directed to:
complaintsandsuggestions@curamcare.com
Curam may investigate and take appropriate action.
14. Data Protection
Personal data is processed in accordance with UK GDPR and Curam’s Privacy Policy.
Anonymised data may be used for research and service improvement.
15. Intellectual Property
All intellectual property in the Curam platform belongs to Ecare Group Ltd or its subsidiaries.
16. General
These Terms constitute the entire agreement.
Curam may update these Terms.
If any provision is unenforceable, the remainder remains effective.
No third-party rights arise under the Contracts (Rights of Third Parties) Act 1999.
Curam may assign its rights; users may not assign theirs without consent.
17. Governing Law
These Terms are governed by English law.
Patrick Wallace
Director
