the products, information and services available via our site and the App
(together the "Service").
Please read these Terms carefully before you start using the Service as they will apply to your use of it.
By using the Service, you confirm that you accept these Terms and agree to comply with them. If you do not accept these Terms, you must not use the Service.
We may update these Terms from time to time, in which case the updated version will be posted on our site and on the App. Modifications will be effective from the point at which they are posted and you must comply with them. If we make any significant changes to the Terms, we will notify you next time you visit our site or start the App.
OTHER IMPORTANT TERMS
Your use of the App may be subject to the rules or policies applied by the Appstore provider from whose site you download the App and you must comply with those rules and policies.
We are Pariti Technologies Limited ("we" or "us").
We are a limited company registered in England under company number 09186391 and have our registered office at 16 Dufferin Street, London, EC1Y 8PD.
Our VAT number is GB 202758130.
We are registered with the Information Commissioner's Office in compliance with the Data Protection Act 1998. Our registration number is ZA089040.
We are authorised and regulated by the Financial Conduct Authority (FCA). Our registration number is 705486.
OVERVIEW OF THE SERVICE
The Service provides personal financial management information and credit broking services.
Via the Service, we may offer information relating to products and services offered by third parties ("Third Party Products") and provide links to the websites of third parties ("Third Party Sites") who offer such products.
You must be 18 years old and a resident of the United Kingdom to use the Service. By using the Service you warrant that you are at least 18 years old and a resident of the United Kingdom.
The Service relies on the following information:
information, content and other materials submitted by you via or in connection with your use of the Service (including your name, contact details, details of the accounts you hold and the passwords for those accounts); and
information held by the financial and banking institutions who provide you with accounts and whose details you submit via the Service (your "Account Providers")
(together the "User Information".)
We do not check the accuracy of the User Information and we rely on you and your Account Providers to ensure that the User Information is up to date and accurate.
To provide the Service we work with certain service providers (together "Service Providers"), including Yodlee Inc which provides facilities to allow us to collect and process your User Information.
You acknowledge and agree that the Service is not endorsed or sponsored by your Account Providers, the suppliers of Third Party Products or the operators of Third Party Sites.
ACCESSING OUR SERVICE
Access to the Service is permitted on a temporary basis, and we reserve the right to amend or withdraw the Service without notice.
We will not be liable for the Service not being available, or for any amendments or withdrawals which change the availability or functionality of the Service.
You are responsible for making all arrangements necessary for you to access the Service.
We may change the Service from time to time at our discretion.
In order to use the Service, you must set up a user account on our Site or the App (a "User Account"). You agree that:
you must only set up a single User Account;
you must keep all information that you use to set up the User Account (including your name, email address, telephone number and details of the accounts held with Account Providers) up to date;
if you choose or are given a username and password for your User Account, these must be treated as confidential and not disclosed to any third party;
we will be entitled to disable your User Account at any time if, in our reasonable opinion, we consider that you have failed to comply with these Terms; and
if you think that someone other than yourself has accessed your User Account you must contact us immediately on email@example.com.
THIRD PARTY PRODUCTS AND RESOURCES
If you choose to purchase Third Party Products or visit Third Party Sites, you may be subject to the terms and conditions and privacy policies of the relevant third party, over which we have no control.
We do not supply and we are therefore not responsible or liable for:
the advertisement, supply or non-supply of Third Party Products;
the content or availability of Third Party Sites; or
any content on our Site or the App which is posted or uploaded by third parties ("Third Party Content").
Your use of Third Party Sites or Third Party Content and your purchase of Third Party Products is at your discretion and risk.
We do not endorse or recommend any Third Party Products, Third Party Sites or Third Party Content.
If you choose to apply for a consolidation loan from our Lending Partners Zopa and Lendable, you must ensure you can afford the total amount repayable, and the ongoing monthly repayments.
You warrant that:
you own the User Information; or
you are entitled to authorise us and our Service Providers, without any time limit and without the payment of any fees, to use the User Information for the Permitted Uses.
Any User Information which you submit via or in connection with the Service must:
be accurate, complete and kept up to date;
comply with applicable law in the UK and any other country it originates from.
not be defamatory, deceptive or misleading;
not be harmful to the Service;
not infringe any copyright, database right or trade mark of any person; or
breach any legal duty owed to a third party, such as a duty of confidence.
By using the Service, you authorise us and our Service Providers as your representative on your behalf and in your name to:
access and retrieve User Information held by Account Providers (including to do all things necessary for that activity, such as accessing any third party internet sites, servers or documents on or in which such User Information is held); and
register on your behalf for accounts with Account Providers.
You agree that when we retrieve your User Information in the way described in paragraph 7.4, we are doing so as your representative and on your behalf and not on behalf of or in the name of any third party.
You agree that we and our Service Providers may rely on the permissions, licences and authorisations set out in these Terms.
You agree that we will be entitled to disclose your identity and User Information to third parties if we are required to do so by any applicable law or court order.
We may, in our absolute discretion, remove all or any of your User Information from our site or the App.
As between us and our Service Providers, we control all of your User Information.
We are the owner or licensee of all intellectual property rights in the information, graphics, videos, photographs and other materials on our site and the App (together "Our Content"). Our Content protected by copyright laws and treaties around the world and all such rights are reserved.
You may only use Our Content on the Service and you must not:
modify Our Content in any way or quote only portions of it in a misleading manner;
reproduce or sell any of Our Content;
use any of Our Content without its accompanying text;
remove any trademark, confidentiality or copyright notice from Our Content;
use any of Our Content for commercial purposes without our prior written consent.
Any User Information that:
you post on or upload to any public areas of our site or the App; or
which is anonymous and does not relate to and identify you will not be considered to be confidential or as being your intellectual property and we and our Service Providers will be entitled to use it for any purpose in connection with our businesses.
YOUR USE OF THE SERVICE
You must not use the Service or allow any other person to use the Service:
to knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware;
to disrupt, interfere with or restrict the use of the Service by other users;
in any way that breaches any applicable local, national or international law or regulation;
in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
for the purpose of harming or attempting to harm any person;
to send, knowingly receive, upload, download, use or re-use any material which does not comply with the content standards set out in these Terms; or
to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
You agree not to:
impersonate any other person or create a false identity via in connection with your use of the Service; or
reverse engineer or reverse compile any of the service technology, including but not limited to, any code and assets associated with the Service.
We have taken reasonable steps to the accuracy of all information on the Service. However, you understand and agree that the Service is provided to you without charge and that, to the extent permitted by applicable law:
the Service is provided ‘as is" and on an "as available" basis;
you use the Service at your sole risk;
we and our Service Providers disclaim all warranties in relation to the Service and Our Content including, but not limited to, any implied warranties in relation to merchantability, accuracy, fitness for purpose and non-infringement; and
Our Content is provided for information purposes only and should not be relied upon as advice;
neither we nor our Service Providers give any warranty that:
(a) the Service will meet your requirements; (b) the Service will be uninterrupted, timely, secure, or error-free; (c) the results that may be obtained from the use of the Service will be accurate or reliable; (d) the quality of any products, services, information, or other material purchased or obtained by you through the Service will meet your expectations; or(e) any errors in the Service or the underlying technology will be corrected; and
no advice or information, whether oral or written, obtained by you in connection with the Service (whether from us, our Service Providers or any third party) will create any warranty which is not expressly stated in these Terms.
Nothing in these Terms excludes or limits our liability for:
death or personal injury arising from our negligence;
fraud or fraudulent misrepresentation; or
any other liability that cannot be excluded or limited by English law.
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site, the App and any content on them, whether express or implied.
Subject to paragraph 11.1, and to the extent permitted by applicable law, neither we, our Service Providers nor any person affiliated to or associated with us or them will be liable to you in connection with the Service (including your use or inability to use the Service) for:
indirect or consequential losses (even if we or they were advised of the possibility that they might arise);
loss of profits, goodwill savings or opportunity;
any statement or conduct on or via the Service by any third party;
loss of data which is caused by factors other than negligence or breach of statutory duty on the party of us or our Service Providers;
the acts or omissions of the Account Providers;
the cost to you of obtaining goods or services as substitutes for the Service; or
any other loss or damage suffered by you in connection with the Service.
The limitations on liability set out in this paragraph 11 will apply whether the liability arises in contract, tort (including negligence), breach of statutory duty, or otherwise.
VIRUSES AND SECURITY
We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Service.
You acknowledge that the transmission of information via the internet is not completely secure. Although we will do our best to protect your User Information, we cannot guarantee the security of any information that you transmit to or via the Service. Any such transmission will be at your own risk.
YOUR RESPONSIBILITY TO US
You will be responsible to us, our affiliates, our Services Providers and their affiliates , and must fully compensate us and them, in relation to all losses, damages, costs and expenses suffered or incurred by us or them as a result of:
any use of the Service by you or someone else using your User Account which breaches these Terms; or
any claim by a third party that the User Information infringes the intellectual property rights or other rights of any third party.
You agree that we and our Service Providers will be entitled to benefit from and enforce your obligations under this paragraph 13.
CANCELLING YOUR ACCOUNT
You may cancel your User Account at any time from within the App or by emailing firstname.lastname@example.org with your primary email address.
We may cancel your User Account at any time if:
your User Account has been inactive for an extended period of time; or
you commit a serious breach of these Terms.
COMPLAINTS HANDLING PROCESS
If you would like to make a complaint to Pariti, you can contact us via the following channels
Once we receive your complaint, we will promptly acknowledge the complaint via email and will investigate and send an initial response as soon as possible. If we are able to resolve your complaint within 3 business days, we will contact you with a summary of the resolution. If we are unable to resolve the complaint within 3 business days, we will keep you updated on the progress of the resolution.
We have a maximum limit of eight weeks to resolve your complaint. If within eight weeks after receiving a complaint we are still not able to resolve the matter, we will send you a final response. If you are unhappy with our final response, you may refer your complaint to the Financial Ombudsman Service, who can be contacted by telephone on 0800 023 4567 or at www.financial-ombudsman.org.uk
OTHER IMPORTANT TERMS
These Terms shall be governed by and construed in accordance with English law.
The Courts of England and Wales will have non-exclusive jurisdiction to determine any matter or dispute in connection with these Terms or the Service.
In these Terms, use of words such as "including" or "in particular" or "for example" denote that we are providing you with an example and the words that follow them will not limit the meaning of the general words that come before them.
In these Terms, where we refer to a person, we mean an individual or a company. Where we refer to a third party, we mean a person other than you or us.
Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
These Terms set out the entire agreement between you and us in relation to your use of the Service. You agree that in using the Service you are not relying on any representation, promise, representation or statement not set out in these Terms. If you are relying on anything that is not set out in these Terms you should tell us before you start using the Service and, if we are not willing to change our Terms to incorporate the things you tell us about, you should not use the Service.
If we fail to insist that you perform your obligations under these Terms or do not enforce or delay in enforcing our rights under these Terms, that does not mean that we have waived those rights or that you do not have to comply with your obligations. If we do waive a default by you, we will only do so in writing and that will not mean that we will automatically waive any later default by you.
We shall not be in breach of these Terms nor liable for delay in performing, or failure to perform, any of our obligations under this agreement if such delay or failure result from events, circumstances or causes beyond our reasonable control.