Legal Information
SPISE PAY LIMITED · Company No. 14813021 · 3rd Floor, 207 Regent Street, London, W1B 3HH · contact@spisepay.com
Website Terms and Conditions
1. About these Terms
These Website Terms and Conditions (Terms) govern access to and use of the website operated under the SpisePay brand, including its pages, content, forms, demonstrations and other public-facing features (the Website). By using the Website, you agree to these Terms. If you do not agree, you should stop using the Website. You should save or print a copy for future reference.
2. Who we are
SpisePay is a trading name of SPISE PAY LIMITED, a private limited company incorporated in England and Wales under company number 14813021. Our registered office is 3rd Floor, 207 Regent Street, London, England, W1B 3HH. You can contact us at contact@spisepay.com.
3. Other terms that may apply
The following documents may also apply when you use the Website:
- our Privacy Notice, which explains how we use personal information;
- our Cookie Notice, which explains the storage and access technologies used on the Website;
- our Acceptable Use Policy, which sets additional rules for lawful and responsible use; and
- any campaign, waiting-list, competition, beta, demo, customer, partner, Open Banking or service-specific terms presented to you.
If you register for the SpisePay app or use a connected-bank or payment feature, separate customer terms and regulated-provider terms may apply. Those separate terms will take priority for the relevant service if they conflict with these Website Terms.
4. What the Website provides
The Website provides general information about SpisePay, our technology, proposed or available features, partnerships and business offering. Content may describe budgeting tools, spending plans, pots, household features, bank connectivity, analytics, notifications, insights or future services.
Website content is provided for general information only. It is not financial, investment, tax, accounting or legal advice and should not be treated as a recommendation to enter into a transaction or use a particular product. You remain responsible for your own decisions and should obtain professional advice where appropriate.
Descriptions, illustrations, screenshots, prototypes, roadmaps, launch dates and feature statements may change. Unless expressly stated in a separate written agreement, they are not binding commitments or guarantees that a feature will be made available.
5. No bank or deposit service
SpisePay is a budgeting and financial-technology business. SpisePay is not a bank and the Website does not provide a bank account, hold deposits or offer deposit protection. Where regulated Open Banking or payment services are made available, the responsible authorised provider and its terms will be identified before you use the service.
6. Access to the Website
We provide the Website on an as-available basis. We do not guarantee that it, or any content on it, will always be available, uninterrupted, secure or free from errors. We may suspend, withdraw, restrict or change any part of the Website for maintenance, security, legal, operational or business reasons.
You are responsible for arranging the equipment, software and internet access needed to use the Website and for ensuring that anyone who accesses it through your connection is aware of and complies with these Terms.
7. Information you provide
If you submit an enquiry, waiting-list request, demo request, application, feedback or other information, you must ensure that it is accurate, current and not misleading. You must have authority to provide any information relating to another person.
Submitting a form does not oblige us to accept you as a customer, enter into a partnership, provide a demonstration or make any service available. A binding contract arises only when the relevant parties enter into a separate written agreement or complete an expressly stated acceptance process.
8. Acceptable use
You may use the Website only for lawful purposes and in accordance with these Terms and our Acceptable Use Policy. In particular, you must not:
- break any applicable law or regulation, or encourage another person to do so;
- attempt to gain unauthorised access to the Website, its servers, databases, accounts, source code or connected systems;
- introduce malware, harmful code, automated attacks or an unreasonable volume of requests;
- extract content or data except through a method we expressly provide or as permitted by law;
- impersonate another person, submit fraudulent information, misuse forms, or send spam or abusive communications;
- test or probe security without our prior written authorisation; or
- use the Website in a way that infringes intellectual property, privacy, confidentiality or other rights.
9. Intellectual property
We and our licensors own all intellectual property rights in the Website and its content, including software, text, data, graphics, illustrations, interfaces, designs, trade marks, logos and branding. You may view and print reasonable extracts for your personal, non-commercial use. You must not reproduce, modify, distribute or commercially exploit any part of the Website without our prior written permission.
SpisePay, the SpisePay name, logos and associated branding are trade marks or branding of SPISE PAY LIMITED. No right to use them is granted by these Terms.
10. Disclaimers and limitation of liability
To the extent permitted by law, SpisePay excludes all implied warranties and representations in relation to the Website and its content. We are not liable for any indirect, consequential, incidental or special loss arising from use of the Website. Nothing in these Terms excludes liability for death or personal injury caused by negligence, fraud or any other liability that cannot be excluded by law.
11. Third-party content and links
The Website may contain links to third-party websites or services. We do not control those sites and are not responsible for their content, terms or practices. A link does not imply endorsement.
12. Governing law
These Terms are governed by the laws of England and Wales. Disputes will be subject to the exclusive jurisdiction of the courts of England and Wales, except that we retain the right to bring proceedings in any jurisdiction where you may be located.
13. Changes
We may update these Terms at any time. The current version will be published with its last-updated date. Continued use of the Website after publication of an updated version constitutes acceptance of the updated Terms.
14. Contact
For questions about these Terms, contact us at contact@spisepay.com or write to SPISE PAY LIMITED, 3rd Floor, 207 Regent Street, London, England, W1B 3HH.
Privacy Notice
1. About this notice
This Privacy Notice explains how SPISE PAY LIMITED, trading as SpisePay, collects, uses, discloses and protects personal information. It applies to the SpisePay website, mobile or web application, communications and related services that refer to this notice.
Some services involve another organisation acting as an independent controller, such as your bank or a regulated Open Banking provider. Those organisations provide their own privacy information and are responsible for their processing.
2. Who is responsible for your information
Trading name: SpisePay
Company number: 14813021
Registered office: 3rd Floor, 207 Regent Street, London, England, W1B 3HH
Privacy contact: contact@spisepay.com
3. Scope and roles
This notice covers personal information processed by SpisePay when you:
- visit or interact with our Website;
- join a waiting list, request a demo, contact us or give feedback;
- register for or use the SpisePay app;
- create or participate in a household, family or shared budgeting space;
- receive invitations, permissions, notifications or support communications;
- connect a bank account or use an Open Banking feature; or
- work with us as a prospective customer, supplier, partner, investor or professional adviser.
4. Personal information we collect
We may collect: identity and contact information (name, email, phone, date of birth, address); account and profile information; household and family information; budgeting and planning information; banking and transaction information (where you connect an account through Open Banking); device and technical information; usage and analytics information; communications and support information; and fraud, security and compliance information.
We do not ask for or store your online banking password.
5. How we obtain information
We collect information directly from you, from your device and browser, from your bank and regulated Open Banking provider (after you authorise access), from service providers that help us operate and secure the service, and from public sources where appropriate for business activities.
6. Why we use information and our lawful bases
UK data protection law requires us to have a lawful basis for each use of personal information. We use personal information to: provide and administer the app and account; create and manage household or supervised profiles; connect bank accounts and obtain account information; provide analytics, categorisation and insights; communicate with you about the service; operate, secure and improve the service; comply with legal obligations; and support legitimate business interests.
7. Sharing information
We share information with regulated Open Banking providers (where you request a connected feature), technology and infrastructure providers, analytics and communications providers, legal and professional advisers, and law-enforcement or regulatory authorities where required by law. We do not sell your personal data.
8. Retention
We retain personal information for as long as reasonably necessary for the purposes for which it was collected, including to satisfy legal, accounting, or reporting requirements. Specific retention periods depend on the type of information and purpose.
9. Your rights
Under UK data protection law, you may have rights to: access your personal information; correct inaccurate information; request erasure; restrict or object to processing; data portability; and withdraw consent where processing is based on consent. To exercise your rights, contact us at contact@spisepay.com.
You also have the right to complain to the Information Commissioner's Office (ICO) at ico.org.uk.
10. Changes
We may update this notice. The current version will be published with its last-updated date. We will take appropriate steps to inform you of material changes.
Cookie Notice
1. About this notice
This Cookie Notice explains how SpisePay uses cookies and similar technologies, including local storage, pixels, scripts, tags, software development kits, device identifiers and comparable methods that store information on, or access information from, a user's device. This notice should be read with our Privacy Notice.
2. What cookies and similar technologies do
These technologies can remember a session or preference, authenticate a user, protect an account, measure performance, understand how a service is used, enable communications or support embedded content. Some information may be personal information, such as an identifier linked to a device or account.
3. Categories we may use
- Strictly necessary and communications — operate the service, maintain a session, authenticate users, prevent fraud, apply security controls and deliver features you request. Used without consent where the legal exception applies.
- Preference and appearance — remember language, display or accessibility choices. Used without prior consent only where the statutory appearance exception applies.
- Statistical analytics — produce aggregate statistics about visits and feature use. Used without prior consent only where the statutory statistical-purpose exception is fully met.
- Functional — enable optional tools, integrations or enhanced features. Consent is requested unless another specific legal exception applies.
- Advertising or cross-service measurement — prior consent is required. SpisePay does not place these technologies unless the consent panel identifies them and the user chooses to allow them.
- App diagnostics and crash reporting — identify technical faults and performance problems.
4. When consent is required
Where the law requires consent, we ask before storing or accessing information. Consent must be freely given, specific, informed and indicated by a clear action. Non-essential technologies are not enabled merely because a user continues browsing. Users can accept or reject categories through the cookie settings panel.
5. Managing your choices
You can revisit your choices at any time through the Cookie Settings or Privacy Preferences link on the Website. You can also use browser or device settings to block or delete cookies. Blocking strictly necessary technologies may prevent parts of the service from working.
6. Contact
For questions about our use of cookies, contact us at contact@spisepay.com.
Acceptable Use Policy
1. Scope
This Acceptable Use Policy applies whenever you access or use a SpisePay website, app, API, account, communication channel or service that refers to it. It forms part of the applicable Website Terms or customer terms.
2. General rule
You must use SpisePay lawfully, responsibly and only for its intended purposes. You must not use the service in a way that harms another person, compromises security, interferes with operation or exposes SpisePay or another party to legal or regulatory risk.
3. Prohibited activity
You must not use SpisePay to:
- commit, facilitate, conceal or attempt fraud, theft, money laundering, sanctions evasion or other unlawful conduct;
- impersonate another person, create a false identity, or misrepresent authority;
- access, connect or manage another person's account, bank data or household profile without appropriate permission;
- harass, threaten, exploit, discriminate against or abuse another person;
- upload, send or store unlawful, defamatory, obscene or infringing content;
- send spam, unsolicited bulk communications or deceptive promotions;
- use the service for gambling, illegal goods or prohibited financial activity; or
- circumvent security, rate-limit, access-control or geographic restrictions.
4. Security and technical misuse
You must not introduce malware; probe, scan or exploit vulnerabilities without our prior written authorisation; attempt unauthorised access to systems, credentials or databases; interfere with service availability; bypass authentication or encryption controls; or reverse engineer software except to the extent permitted by applicable law.
5. Automated access and APIs
You must not use bots, crawlers or browser automation to access or extract data except through an interface or API we expressly provide for that purpose or with our prior written permission.
6. Household and supervised profiles
Household features must be used respectfully and only with appropriate authority. An adult managing a young person's profile must have parental responsibility or other appropriate authority. Do not use permissions or shared spaces to monitor, coerce or unlawfully control another person.
7. Connected accounts and payments
You may connect only an account you are authorised to access and may initiate only a payment you are authorised to make. You must complete authentication personally and must not share bank passwords or one-time security credentials.
8. Reporting concerns
Report suspected abuse, fraud, unauthorised access or security issues to contact@spisepay.com. Do not include bank passwords or full security credentials in your report.
9. Enforcement
Where we reasonably believe this policy has been breached, we may investigate, restrict functionality, suspend or close access, remove content, notify affected providers or authorities, and take legal action. Our response will be proportionate to the nature and seriousness of the conduct.
10. Changes
We may update this policy to reflect changes to the service, threats, law or regulatory requirements. The current version will be published with its last-updated date.
Website Legal Notice
Company information
Trading name: SpisePay
Company number: 14813021
Place of registration: England and Wales
Registered office: 3rd Floor, 207 Regent Street, London, England, W1B 3HH
Email: contact@spisepay.com
Website: www.spisepay.com
Nature of the service
SpisePay develops budgeting and financial-technology software. SpisePay is not a bank. Unless expressly stated in separate service documentation, SpisePay does not accept deposits, hold customer funds, provide credit or provide financial advice.
Open Banking
Where regulated Open Banking services are made available through SpisePay, the regulated provider, its permissions and its applicable terms will be shown before the service is used.
Where Finexer Ltd is identified as the provider, Finexer Ltd is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 as an Authorised Payment Institution, firm reference number 925695, to provide account information services and payment initiation services.
A reference to an authorised provider does not mean that every SpisePay feature is regulated by the Financial Conduct Authority or that SpisePay itself is a bank.
Website information
Information on the Website is general information only and is not financial, investment, tax, accounting or legal advice. Product descriptions, screenshots, planned features and launch information may change. Separate terms apply to customer accounts and regulated services.
Intellectual property
Website content and SpisePay branding are owned by or licensed to SPISE PAY LIMITED and are protected by applicable intellectual-property laws. Permission is required for commercial reproduction or use except where the law expressly permits it.
Contact
General and legal enquiries: contact@spisepay.com
Postal correspondence: SPISE PAY LIMITED, 3rd Floor, 207 Regent Street, London, England, W1B 3HH.
Open Banking Information Notice
1. What Open Banking is
Open Banking enables a person to ask an authorised provider to access specified payment-account information or initiate a bank payment through secure bank interfaces. The user remains with their bank and normally authenticates in the bank's app or online-banking journey.
2. SpisePay's role
SpisePay provides budgeting software and the user experience through which a connected-account or payment feature may be requested. SpisePay is not a bank, does not ask for your online-banking password and does not take custody of funds merely because it displays account information or starts a payment journey. The regulated provider supplies the account-information or payment-initiation service.
3. Regulated provider
Where Finexer Ltd is identified in the SpisePay journey, Finexer Ltd is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 as an Authorised Payment Institution, firm reference number 925695, to provide account information services and payment initiation services. Finexer's own terms and privacy information apply to its regulated processing. Your bank's terms and privacy information also continue to apply.
4. Connecting an account
A typical account-information connection works as follows:
- You select the connected-account feature and choose your bank.
- The journey tells you which provider will access information, what information is requested, why it is needed and any relevant access period.
- You are redirected to, or interact with, your bank's secure authentication process.
- You authenticate with your bank and confirm the connection.
- The authorised provider retrieves the agreed account information and makes it available to SpisePay for the features you requested.
SpisePay and the provider do not need your bank password. Do not share passwords, passcodes or one-time authentication codes with anyone.
5. Information that may be accessed
Depending on the bank, account and feature, information may include account name and type, account identifiers, balances, currency, transaction amounts, dates, descriptions, merchant details, status and consent metadata. The exact scope is shown before authorisation.
SpisePay may use this information to display accounts and transactions, classify spending, match transactions to pots, calculate progress, generate summaries and insights, and provide other requested budgeting functions.
6. Consent, duration and reconnection
Open Banking access is based on your active choice and bank authentication. The journey will explain whether the connection is one-off or recurring and when renewed authentication may be required. You can disconnect through SpisePay where that control is available, through your bank's connected-app settings, or by contacting us.
7. Household visibility
A connected bank account belongs to the account holder. Connecting it does not automatically give every household member access. Visibility depends on the product settings and the pot or household permissions selected. Review permissions carefully before making transaction or balance information visible to another household member.
8. Payment initiation, if offered
If SpisePay offers a pay-by-bank or payment-initiation feature, you will be shown the amount, payee, reference and regulated provider before authorising. You approve the payment through your bank's authentication process. SpisePay cannot complete a payment solely from a budgeting selection or pot allocation.
9. Security
Open Banking uses secure interfaces and bank authentication. SpisePay and its providers apply security measures appropriate to their roles, but users must protect their devices, email accounts and bank credentials. Contact your bank immediately if you suspect unauthorised account access or a fraudulent payment.
10. Privacy
The SpisePay Privacy Notice explains how we use information received through Open Banking, including sharing, retention, security, rights and international transfers. The regulated provider and bank supply their own privacy notices for processing under their control.
11. Complaints
For an issue with the SpisePay interface, budgeting display or our handling of information, contact contact@spisepay.com. For a complaint about the regulated Open Banking service, you may also contact Finexer Ltd or the Financial Ombudsman Service where eligible.