Terms and conditions
We’ll try to keep everything in this document as straightforward as possible, but if there’s anything you don’t understand, please get in touch with us by:
- Emailing us at firstname.lastname@example.org
- Writing to the Chief Executive Officer, Money Dashboard, 18 Charlotte Square, Edinburgh EH2 4DF.
Our Agreement with you
If you are reading this Agreement for the first time we suggest you print or save a copy.
An overview of the Service
The Service is free. It is meant as an aid to you in organising and managing your finances. It is not intended to provide legal, tax or financial advice. We are not authorised to provide advice under the Financial Services and Markets Act 2000. If you require such advice please seek advice from an authorised adviser.
The Service is a personal finance management service that allows users to aggregate and track their financial information. Based on such information, the Service may give you information relating to third party products or services.
You can use the Service to retrieve your own information maintained online by third-party financial institutions with which you have a customer relationship. We refer to this as “account aggregation”. Examples include bank accounts and credit cards. We have no responsibility for the products and services provided to you by these third parties.
We use one or more online service providers to access this information.
We do not check the account aggregation information for accuracy.
We cannot always foresee or anticipate technical or other difficulties which may result in failure to obtain data or loss of access to data. We do not assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, communications or personal settings.
When displayed through the Service, aggregated information is only as up to date as the information obtained from such sites. Such information may be more up-to-date when obtained directly from the relevant sites.
Some parts of the Service are supported by links from advertisers that may be custom matched to you based on information stored in the Service, queries made through the Service or other information. We will not disguise any adverts in the service.
We do not endorse, warrant or guarantee the products or services available through the links. We do not guarantee that any loan, investment, account or other service’s terms, rates or rewards offered by any particular advertiser are actually the terms that may be offered to you if you pursue the offer, or that they are the best terms or lowest rates available in the market.
Online and Mobile Alerts
Part of the Service is to provide alerts which we send, and account related alerts which you set up. Alerts will be sent to you if there is a material change to the Service.
You can create account related alerts as part of the Service. These can be customised, deactivated or reactivated by you. These alerts allow you to choose alert messages for your accounts. We may add new alerts from time to time, or cease to provide certain alerts at any time at our discretion.
Electronic alerts will be sent to the email address you have provided as your primary email address. You may also choose to have alerts sent to a mobile device that accepts text messages. Because alerts are not encrypted, we will never include your password. However, alerts you create will include information about your accounts, such as your account balance or the due date for your credit card payment. Anyone with access to your email will be able to view the content of these alerts.
Your User Information
Please let us know if any of your user details change, particularly your email address, mobile email address, and mobile phone number. If you do not do this, we will not be able to deliver any alerts to you. We will send all further alerts to the new address provided.
By providing us with your e-mail address, you agree to receive all required notices electronically, to that e-mail address.
You agree and understand that you are responsible for maintaining the confidentiality of your password which, together with your user name, allows you to access the Service. If you become aware of any unauthorised use of your user information, you agree to notify us immediately at email@example.com.
Your Use of the Service
Your right to access and use the Service is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use the service for lawful purposes.
You agree to provide us with information which is accurate, and not to misrepresent your identity or your user information.
What you allow us to do
By using the Service, you expressly authorise us to undertake account aggregation through identified third parties, on your behalf as your agent. When you use the “Add Accounts” feature of the Service, you will be directly connected to the website for the third party you have identified. We will submit information, ordinarily your user name and password, you provide to log you into the site. You hereby authorise and permit us to use and store information submitted by you to the Service (such as account passwords and user names) to accomplish the foregoing and to configure the Service so that it is compatible with the third party sites for which you submit your information. For purposes of this Agreement and solely to provide account aggregation to you as part of the Service, you grant us a limited power of attorney to access third party sites, retrieve and use your information with the full power and authority to do and perform each thing necessary in connection with such activities, as you could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN WE ACCESS AND RETRIEVE ACCOUNT INFORMATION FROM THIRD PARTY SITES, WE ACT AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY. You understand and agree that the Service is not sponsored or endorsed by any third parties accessible through the Service.
What we ask you not to do
You agree that you will not:
- Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Service or any portion of it without our express written consent, which may be withheld at our sole discretion;
- Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Service, other than the search engines and search agents available through the Service and other than generally available third-party web browsers (such as Microsoft Explorer);
- Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of the Service; or
- Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Service.
Posting on the Service
As part of the Service, we allow users to post content on blogs and at various other publicly available locations on the Service. If you wish to post content you agree to follow these rules:
You are responsible for all content you submit to us.
By submitting content to us, you represent that you have all necessary rights and hereby grant us a perpetual, worldwide, non-exclusive, royalty-free, sub-licenseable and transferable license to use, reproduce, distribute, prepare derivative works of, modify, display, and perform all or any portion of the content in connection with us and our business, including without limitation for promoting and redistributing part or all of the site (and derivative works thereof) in any media formats and through any media channels. You also hereby grant each user a non-exclusive license to access your posted content through the Service, and to use, reproduce, distribute, prepare derivative works of, display and perform such content as permitted through the functionality of the Service and under this Agreement.
You may not post or transmit any message which is libellous or defamatory, or which discloses private or personal matters concerning any person. You may not post or transmit any message, data, image or program that is indecent, obscene, pornographic, harassing, threatening, abusive, hateful, racially or ethnically offensive; that encourages conduct that would be considered a criminal offence, give rise to civil liability or violate any law; or that is otherwise inappropriate.
You may not post or transmit any message, data, image or program that would violate the property rights of others, including unauthorised copyrighted text, images or programs, trade secrets or other confidential proprietary information, and trademarks or service marks used in an infringing fashion.
You may not interfere with other users’ use of the Service, including, disrupting the normal flow of dialogue in an interactive area of the Service, deleting or revising any content posted by another person or entity, or taking any action that imposes a disproportionate burden on the Service infrastructure or that adversely affects the availability of the Service to others.
Except where expressly permitted, you may not post or transmit charity requests; petitions for signatures; franchises, distributorship, sales representative agency arrangements, or other business opportunities (including offers of employment or contracting arrangements); club memberships; chain letters; or letters relating to pyramid schemes. You may not post or transmit any advertising, promotional materials or any other solicitation of other users to use goods or services except in those areas (e.g., a classified bulletin board) that are designated for such purpose.
You agree that any employment or other relationship you form or attempt to form with an employer, employee, or contractor whom you contact through areas of the Service that may be designated for that purpose is between you and that employer, employee, or contractor alone, and not with us.
You may not copy or use personal identifying or business contact information about other users without their permission. Unsolicited e-mails, mailings, telephone calls, or other communications to individuals or companies whose contact details you obtain through the Service are prohibited.
You accept that we may edit your comments for clarity, or remove any comment.
Your Indemnification of Us
You shall defend, indemnify and hold harmless us and our officers, directors, shareholders, and employees, from and against all claims and expenses, including but not limited to solicitors fees, in whole or in part arising out of or attributable to any breach of this Agreement by you.
Availability of Service and Alert Disclaimer
Your access to and use of the Service may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Service or other actions that we, in our sole discretion, may elect to take.
You understand and agree that any alerts provided to you through the Service may be delayed or prevented by a variety of factors. We will use reasonable endeavours to provide alerts in a timely manner with accurate information. However, we neither guarantee the delivery nor the accuracy of the content of any alert. You also agree that we shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert.
Our Intellectual Property Rights
The contents of our website at www.moneydashboard.com (“the Website”), including its “look and feel” (e.g., text, graphics, images, logos and button icons), photographs, editorial content, notices, software and other material are protected under copyright, trademark and other laws. The content of the Website and all intellectual property rights in the Service belong to or are validly licensed to us. We grant you the right to view and use the Service subject to these terms. You may download or print a copy of information provided on the Service for your personal, internal and non-commercial use only. Any distribution, reprint or electronic reproduction of any content from the Service in whole or in part for any other purpose is expressly prohibited without our prior written consent.
Disclaimer of Representations and Warranties
THE CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH THE SERVICE OR PROVIDED THROUGH THE SERVICE ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF THE SERVICE. WE MAKE NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT OF THE SERVICE, AND EXPRESSLY DISCLAIM ANY WARRANTIES OF NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. WE MAKE NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SERVICE IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.
Limitations on our Liability
TO THE EXTENT PERMITTED BY LAW, WE SHALL NOT BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, DELICT OR TORT (INCLUDING NEGLIGENCE) OR OTHERWISE FOR: -
(i). LOSS OF INCOME OR REVENUE;
(ii). LOSS OF BUSINESS;
(iii). LOSS OF PROFITS OR CONTRACTS;
(iv). LOSS OF ANTICIPATED SAVINGS;
(v). LOSS OF DATA;
(vi). LOSS OF GOODWILL; OR
(vii). SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGE
ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO THE SERVICE, YOUR USE OF THE SERVICE OR THIS AGREEMENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, OUR LIABILITY TO YOU FOR ANY CAUSE WHATEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO £500.00 (FIVE HUNDRED POUNDS).
Ending the Agreement
We may at any time, terminate our agreement with you:
a) if you have breached any provision of this Agreement (or have acted in a manner which clearly shows that you do not intend to, or are unable to comply with the provisions of this Agreement);
b) if we in our sole discretion believe we are required to do so by law (for example, where the provision of the Service to you is, or becomes, unlawful); or
c) immediately upon notice, to the e-mail address provided by you as part of your user information.
Modifications to the Agreement
We may modify this Agreement from time to time. Any and all changes to this Agreement will be posted on our site. The Agreement will always state the date it was last revised. You are deemed to accept and agree to be bound by any changes to the Agreement when you use the Service after those changes are posted.
Governing Law and Forum for Disputes
This Agreement, and your relationship with us under this Agreement, shall be governed by the laws of Scotland without regard to its conflict or choice of laws provisions. Any dispute with us, or our officers, directors, employees, agents or affiliates, arising under or in relation to this Agreement shall be resolved exclusively through the Scottish courts, except with respect to imminent harm requiring a temporary or preliminary interdict or injunction in which case we may seek this in any court with jurisdiction over the parties. You understand that, in return for agreement to this provision, we are able to offer the Service on the terms stated in this Agreement, without charge to you, and that your consent to this provision is an indispensable consideration under this Agreement.
Other important matters
If any portion of this Agreement is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, this Agreement as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Agreement that is unlawful, void or unenforceable shall be deleted from this Agreement.
If we do not exercise or enforce any legal right or remedy which is contained in the Agreement (or which we have the benefit of under any applicable law), this will not be taken to be a formal waiver of our rights and that those rights or remedies will still be available to us.
All covenants, agreements, representations and warranties made in this Agreement shall survive your acceptance of this Agreement and the termination of this Agreement.
This Agreement represents the entire understanding and agreement between you and us regarding the subject matter of the same, and supersedes all other previous agreements.
Last updated: March 2013.