Authorised and regulated by the Financial Conduct Authority (reg. 800652) & registered provider on openbanking.org.uk
Introduction
These are the terms of use for “Money Dashboard”, a registered Account Information Service Provider (AISP), provided at www.moneydashboard.com and associated mobile applications, that allows you to see all your online banking accounts in one place, and analyses your account information to help you spend, save and borrow more efficiently (“the Service”).
The Service is provided by Money Dashboard Limited, a company registered in Scotland (company number SC301187), registered at 5th Floor, 125 Princes Street, Edinburgh, EH2 4AD, (“we”, “us”, “our”).
Money Dashboard Ltd is authorised and regulated by the Financial Conduct Authority, reference no. 800652 at fca.org.uk/register
If there’s anything you don’t understand, please get in touch with us by:
Our Agreement with you
These terms of use form our legally binding agreement with you in relation to the Service (“the Agreement”). The Agreement sets out all the conditions on which we will provide our Service to you, and applies to you whether you are visiting the web site, or have registered to be a user of the features. If you intend to become a user (“User”) you must accept these terms as part of the registration process. This Agreement should be read carefully.
We may use third parties to provide the Service to you as explained in these terms and our Privacy Policy.
If you are reading this Agreement for the first time we suggest you print or save a copy.
An overview of the Service
Money Dashboard is an Account Information Service Provider (AISP). This read only Service enables you to see all your online banking accounts into one place, and analyses your account information to help you spend, save and borrow more efficiently (“the Service”). Based on such analysis, the Service may give you information relating to products or additional services provided by third party partners.
The Service is free to consumers. We create aggregated market research, from which all personal data is removed. We sell this anonymised market research to clients to create the revenue we need to run our business. We may also earn a fee or commission from our partners based upon your use of their services or products.
The Service is an aid to you in organising, managing, and identifying opportunities related to your finances. 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. Our Subsidiary, Money Dashboard Financial Services Ltd may act as a credit broker to facilitate the offering of credit based third party products and services hosted by Money Dashboard Ltd. For full details of our authorisations from the Financial Conduct Authority please search the Financial Services Register no. 743264.
You warrant that you are at least 18 years old and a resident of the UK to use the Service.
Your Privacy
Your privacy is important to us and we are committed to keeping your personal data safe. Our Privacy Policy sets out the terms on which we process any personal data we collect from you, or that you provide to us.
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 agree to provide us with information which is accurate, and not to misrepresent your identity or your user information. You are only entitled to access and use the service for lawful purposes.
For the 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, not as the agent of, or on behalf of, the third party whose site we are accessing. You understand and agree that the Service is not sponsored or endorsed by any third parties accessible through the Service.
By submitting permission, information, data, passwords, usernames, PINs, other log-in information, materials and other content to us through the Service, you are licensing that content to us for the purpose of providing the Service and to use in accordance with our Privacy Policy. By submitting this content to us, you represent that you are entitled to submit it to us to use for this purpose, without any obligation by us to pay any fees or other limitations.
What we ask you not to do
You agree that you will not:
Third Party Partners
The Service may provide website links and hosted functionality from by third parties. The use of third party products or services is governed by the terms and conditions of the relevant supplier. The content and operations of third party products and services is outside of our control, and we cannot accept responsibility or liability for the products and services provided to you by these third parties.
Advertising
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.
Notifications and Alerts
All required notices will be sent electronically to the e-mail address that you provide. Notifications will be sent to you if there is a material change to the Service, its Terms, or Policies.
The Service includes alerts on your account activity. 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.
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. Alerts 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, or your mobile device, that is associated with the Service may be able to view the content of these alerts.
Your User Information
Please let us know if any of your user details change (including any Personal data), particularly your email address, mobile phone number, or address including postcode. If you do not do this, we will not be able to deliver any alerts or notifications to you, and your ability to access the service may be compromised if your details cannot be verified at the account provider.
You agree and understand that you are responsible for maintaining the confidentiality of your username which, together with your password and or biometric ID (Face ID or fingerprint), 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 protected].
For further details about how your User Information is handled, see our Privacy Policy
Complaints Policy
If you wish to complain about any of the services provided by Money Dashboard, please email us at [email protected] or you can write directly to the Chief Executive Officer, Money Dashboard Limited, 5th Floor, 125 Princes Street, Edinburgh, EH2 4AD, explaining the nature of the complaint and what you would like us to do to put it right.
In addition:
If your complaint is about how we store or process your personal information, you can also contact the Information Commissioner's Office, although we’d appreciate the chance to deal with your concern first.
If your complaint is about a financial service product (e.g. banking, insurance, mortgage, pension, savings and investments, credit card, store cards, loans, hire purchase, financial advice) that we were involved in either selling, or introducing you, and neither we, nor any other associated third party (e.g. product provider, or an intermediary) are able to satisfactorily deal with your complaint within 8 weeks of you raising it, you may complain to the Financial Ombudsman Service. The Money Dashboard complaints process can be found here.
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-licensable 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 emails, 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 endeavors 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, SURREPTITIOUSLY 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: -
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
This Agreement will continue to apply until terminated by either you or us as set out below. If you want to terminate your agreement, email [email protected] with details of your account (username, email address, first name and last name). For security we will confirm to you by email before closing your account. When confirmed your account will be closed and your ability to login deactivated. Your account data will be removed subject to and as explained in our Privacy Policy.
We may at any time, terminate our agreement with you:
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
Trademarks
Money Dashboard and associated logos are registered trademarks.
Last updated: 23rd June 2020
Authorised and regulated by the Financial Conduct Authority (reg. 800652) & registered provider on openbanking.org.uk