MoneyAngel Terms and Conditions

We provide a personal finance management platform that helps you track, categorise and gain insights from your financial data, with optional AI assistance (Services), as set out in more detail on our website, portal and app (Site, Portal or App).

In these Terms, when we say you or your, we mean you as an individual if you are accepting these Terms for yourself. If you are accepting these Terms on behalf of an entity (such as your employer) and you are authorised to do so, then you or your means that entity. When we say we, us, or our, we mean MoneyAngel Ltd, a company registered in England and Wales with company number 17218657.

Disclaimers

The Services are designed to help you organise, track and gain insights from your own financial data. The Services do not constitute financial advice, and do not take into account your specific needs, objectives and circumstances. The Services should not be relied upon as a substitute for professional financial advice. If you make any decisions based on the information provided through the Services, you do so solely at your own risk.

The Services may include AI-generated insights, options and suggestions. These outputs are provided for informational purposes only, and the output generated is dependent on the quality and accuracy of the input provided. AI technology may produce errors, inaccuracies, or incomplete information and you acknowledge that AI is experimental technology. You must not rely on them as the basis for any financial decision, and you remain solely responsible for any actions or financial decisions you take in connection with such outputs.

Our contact details:

Phone number: 0330 223 7710

Geographical address: 1 Claydon Business Park, Great Blakenham, Ipswich, Suffolk, United Kingdom, IP6 0NL

Email address: support@sustainablesynergies.co.uk

These terms and conditions (Terms) form our contract with you and set out our obligations as a service provider and your obligations as a customer. We will provide the Services to you in accordance with these Terms and all applicable law.

Some capitalised words in these Terms have defined meanings, and each time that word is used in these Terms it has the same meaning. You can find a list of the defined words and their meaning at the end of these Terms.

Your right to change your mind

The following applies only where your use of the Services is as a ‘consumer’ under the Consumer Rights Act 2015:

If you change your mind after purchasing any subscription (whether monthly or annual), you may cancel your subscription and receive a full refund of the fees paid, without giving any reason, within 14 days of the date you first purchase that subscription (Cancellation Period).
To receive a full refund under this guarantee, you must fully cancel your subscription (not downgrade it). Upon cancellation, your Account and all Your Data will be permanently deleted. We will process your refund within 14 days of receiving your cancellation request.
This guarantee does not apply to downgrades. If you downgrade your subscription to a lower tier, the downgrade will take effect from the start of your next billing cycle, and no refund or credit will be issued for the remainder of the current billing cycle.
Tell us you want to cancel these Terms: If you want to cancel or terminate these Terms in accordance with this clause, you should contact us using the contact details set out at the start of these Terms.
When your refund will be made: We will refund you within 14 days of you telling us you have changed your mind.

1. Engagement and Term

1.1 These Terms apply from the time you agree to these Terms, until the date these Terms are terminated in accordance with their Terms (Term).

1.2 Subject to your compliance with these Terms, we will provide you with access to the Services.

1.3 Where we require access to your premises or computer systems in order to provide the Services, you agree to provide us with such access free from risk to the safety of our employees and contractors.

1.4 We will not be responsible for any other services unless expressly set out in these Terms or on our Site or App.

1.5 If we provide you with access to any new or beta services, you acknowledge that because of the developmental nature of such services, you use them at your own risk and we have no obligation to maintain or provide error corrections. Any new or beta services we provide you with access to are for evaluation purposes only and not for production use, and we may discontinue those services at any time at our sole discretion.

1.6 Where you engage third parties to operate alongside the Services (for example, any third-party software systems you wish to integrate with the Services), those third parties are independent of us and you are responsible for (meaning we will not be liable for) the goods or services they provide, unless we expressly agree otherwise.

1.7 We may amend these Terms at any time, by providing written notice to you. By clicking “I accept” or continuing to use the Services after the notice or 30 days after notification (whichever date is earlier), you agree to the amended Terms. If you do not agree to the amendment, you should cease using the Services. If you have paid upfront for recurring access to any of the Services (excluding one-time purchases) and you would like to cancel them, please contact us in writing within 30 days of receiving notice to cancel that recurring access and we will issue you a pro-rata refund for such Services.

2. Account

2.1 You must sign up for an Account in order to access and use the Services.

2.2 While you have an Account with us, you agree to:

(a) keep your information up-to-date (and ensure it remains true, accurate and complete);

(b) keep usernames and passwords secure and confidential, and protect them from misuse or being stolen; and

(c) notify us if you become aware of, or have reason to suspect, any unauthorised access to your Account or any logins linked to your Account.

2.3 If you close your Account, you will lose access to the Services.

3. Fees

3.1 You may choose to purchase Services from us, as set out on our Site or App (Paid Services). Paid Services may include one-time purchases or recurring Services. You must pay all amounts due under these Terms in accordance with these Terms or as set out on our Site or App (as applicable).

3.2 We offer a free tier of the Services at no charge, subject to certain usage limitations as set out on our Site or App.

3.3 Details of our Paid Services, including features, limitations, fees and billing cycles (for recurring Services) are set out on our Site or App. For recurring Services, you will be billed on a regular basis, as set out on our Site or App, at the beginning of each billing cycle. All other Paid Services must be paid for at the time you order the Service.

3.4 You may upgrade or downgrade any recurring Services at any time through your Account. Changes to your recurring Services will take effect as follows:

(a) Upgrades: You can upgrade your plan at any time and it will become effective immediately. When you subscribe to an upgraded plan, you will pay a balancing payment for the rest of your current paid period (the pro rata difference between the subscription of the current plan and the new plan). At your next payment date we will collect the new subscription automatically.

(b) Downgrades: You can downgrade your plan to a lower paid subscription at any time and it will become effective at the end of the current paid period. At your next payment date we will collect the new subscription automatically.

3.5 Cancellation: You can cancel your plan during the first 14 days after starting a new subscription and it will become effective immediately. All Your Data will be deleted, you will receive a full refund of your fee for this subscription period and no further payments will be taken.

3.6 Refunds on annual subscriptions: Subject to clause 3.5 and clause 5, if you cancel your subscription after the first 14 days, we will not provide a refund for any unused portion of your current paid period, except where we are required to do so by law.

3.7 Our payments methods will be set out at the time you purchase the Services. If you choose to pay your fees using one of our third-party payment processors, you may need to accept their terms and conditions (if this is the case, these will be set out at the time you make payment).

3.8 You must not pay, or attempt to pay, any fees due under these Terms or as a result of your use of the Services by fraudulent or unlawful means. If you make payment by debit or credit card, you must be the authorised card holder. If payment is made by direct debit, by providing your bank account details and accepting these Terms, you authorise our nominated third-party payment processor to debit your bank account, and you confirm that you are either the holder or an authorised signatory of that bank account.

3.9 If any fees due under these Terms or as a result of your use of the Services are not paid on time, we may:

(a) suspend your access to the Services; and

(b) charge interest at a rate equal to the Bank of England’s base rate, from time to time, plus 4% per annum, calculated daily and compounding monthly, on any such amounts unpaid after the relevant due date in accordance with the payment terms.

3.10 You are responsible for paying any levies or taxes associated with your use of the Services, for example sales taxes, value-added taxes or withholding taxes (unless we are required by law to collect these on your behalf).

3.11 For non-business customers, we will display the price including all fees, taxes and additional amounts to be paid.

4. Licence

4.1 During the Term, we grant you a right to use our basic Services in accordance with these Terms. This right cannot be passed on or transferred to any other person.

4.2 When you purchase our Paid Services, your access rights will vary based on the type of service. For one-time purchases, we grant you the right to access the purchased Service until the earlier of the specified duration of access, the termination of these Terms or your cancellation of the specific Service. For recurring services, we grant you and your Authorised Users a right to access the relevant Services only for the duration that you continue to pay for the Service, subject to these Terms. These rights cannot be passed on or transferred to any other person.

4.3 You must not:

(a) access or use the Services in any way that is improper or breaches any laws, infringes any person’s rights (for example, intellectual property rights and privacy rights), or gives rise to any civil or criminal liability;

(b) interfere with or interrupt the supply of the Services, or any other person’s access to or use of the Services;

(d) use any unauthorised or modified version of the Services, including for the purpose of building similar or competitive software or for the purpose of obtaining unauthorised access to the Services;

(e) attempt to access any data or log into any server or account that you are not expressly authorised to access;

(f) use the Services in any way that involves service bureau use, outsourcing, renting, reselling, sublicensing, concurrent use of a single user login, or time-sharing;

(g) circumvent user authentication or security of any of our networks, accounts or hosts or those of any third party; or

(h) access or use the Services to transmit, publish or communicate material that is, defamatory, offensive, abusive, indecent, menacing, harassing or unwanted.

5. Consumer Cancellation Right

5.1 This clause 5 applies to the extent that you purchase Services from us as a “consumer”, as defined in the Consumer Rights Act 2015. You expressly agree to this information being provided in digital form, rather than on paper.

5.2 Subject to clause 5.3, you may cancel the Services within 14 days of your acceptance of these Terms (Cancellation Period).

5.3 Unless you expressly request us to commence the provision of the Services during the Cancellation Period, we will not commence the provision of the Services during the Cancellation Period. Where you expressly request us to commence the provision of the Services during the Cancellation Period, you will lose your right to cancel the Services if the relevant Services are fully performed by us.

5.4 If you exercise your right to cancel the Services under this clause 5, you will be liable to pay to us an amount for the relevant Services supplied up to when you inform us that you intend to cancel the Services, which will be proportionate to the full Price for the relevant Services for the Term.

5.5 If you want to cancel the Services, you can do so through the portal or app by clicking on My Account, Subscription-View Plans and Manage Billing. You can also email us using the contact details at the start of these Terms, and you may use the Model Cancellation Form below:

To MoneyAngel Ltd, 1 Claydon Business Park, Great Blakenham, Ipswich, Suffolk, United Kingdom, IP6 0NL (Email: kevin.rice@sustainablesynergies.co.uk),

I/We hereby give notice that I/We cancel my/our contract for the supply of the following services:

_______________________________________________________________________.

Ordered on/received on: _______________________________.

Name: _______________________________. Address: _______________________________________________.

Signature: _______________________________. Date: _______________________.

5.6 Subject to clause 5.3, where you have paid any fees upfront and have cancelled the Services in accordance with this clause 5, we will provide you with a refund of the amount paid to us within 14 days of you telling us that you have changed your mind.

6. Availability, Disruption and Downtime

6.1 While we strive to always make the Services available to you, we do not make any promises that these will be available 100% of the time. The Services may be disrupted during certain periods, including, for example, as a result of scheduled or emergency maintenance.

6.2 The Services may interact with, or be reliant on, products or services provided by third parties, such as cloud hosting service providers. To the maximum extent permitted by law, we are not liable for disruptions or downtime caused or contributed to by these third parties.

6.3 We will try to provide you with reasonable notice, where possible, of any disruptions to your access to the Services.

7. Intellectual Property and Data

7.1 We own all intellectual property rights in the Services. This includes how the Services look and function, as well as our copyrighted works, trademarks, inventions, designs and other intellectual property. You agree not to copy or otherwise misuse our intellectual property without our written permission (for example, to reverse engineer or discover the source code of our intellectual property), and you must not alter or remove any confidentiality, copyright or other ownership notice placed on the Services.

7.2 We may use any feedback or suggestions that you give us in any manner which we see fit (for example, to develop new features), and no benefit will be owed to you as a result of any use by us of your feedback or suggestions.

Your Data

7.3 We do not own any of Your Data, but when you enter or upload any of Your Data into the Services, you grant us the right to access, analyse, backup, copy, store, transmit, and otherwise use Your Data for the duration of your use of the Services (and for a reasonable period of time afterwards). We may use Your Data (or disclose it to third party service providers) to:

(a) supply the Services to you (for example, to enable you to access and use the Services), and otherwise perform our obligations under these Terms;

(b) diagnose problems with the Services;

(d) send you information we think may be of interest to you based on your marketing preferences;

(e) perform analytics for the purpose of remedying bugs or issues with the Services; or

(f) perform our obligations under these Terms (as reasonably required).

7.4 You acknowledge and agree that because of the nature of the internet, the processing and transmission of Your Data by us may occur over various networks.

7.5 You are responsible for (meaning we are not liable for):

(a) the integrity of Your Data on your systems, networks or any device controlled by you; and

(b) backing up Your Data.

7.6 When you use the Services, we may create anonymised statistical data from Your Data and usage of the Services (for example, through aggregation). Once anonymised, we own that data and may use it for our own purposes, such as to provide and improve the Services, to develop new services or product offerings, to identify business trends, and for other uses we communicate to you. This may include making such anonymised data publicly available, provided it is not compiled using a sample size small enough to make underlying portions of Your Data identifiable.

7.7 If you do not provide Your Data to us, it may impact your ability to receive the Services.

7.8 This clause 7 will survive the termination or expiry of these Terms.

8. Confidential Information and Personal Data

8.1 While using the Services, you may share confidential information with us, and you may become aware of confidential information about us. You agree not to use our confidential information, and to take reasonable steps to protect our confidential information from being disclosed without our permission, and we agree to do the same for your confidential information. This also means making sure that any employees, contractors, professional advisors or agents of ours or yours only have access to confidential information on a ‘need-to-know basis’ (in other words, the disclosure is absolutely necessary), and that they also agree to not misuse or disclose such confidential information.

8.2 However, either you or we may share confidential information with legal or regulatory authorities if required by law to do so.

8.3 We collect, hold and disclose and use any personal data you provide to us in accordance with our privacy policy, available on the Site or App, and applicable privacy laws.

8.4 You must only disclose personal data to us if you have the right to do so (such as having the individual’s express consent).

8.5 Where you upload documents such as PDF bank statements to the Services, once the relevant data has been extracted and uploaded into the system, the original document will be automatically deleted.

8.6 We may need to disclose personal data to third parties, such as our related companies or our service providers (for example, IT and administrative service providers and our professional advisors).

8.7 Where we are required by law to report on our activities, you acknowledge that from time to time we may request certain information from you in order to meet our requirements, and you agree to provide us with such information within the timeframes reasonably requested by us.

8.8 This clause 8 will survive the termination or expiry of these Terms.

9. Liability

9.1 Nothing in these Terms limits any liability which cannot legally be limited, including Liability for:

(a) death or personal injury caused by negligence; and

(b) fraud or fraudulent misrepresentation.

9.2 Subject to the clauses above, to the maximum extent permitted by law, we will not be liable for any Liability caused or contributed to by, arising from or in connection with:

(a) your computing environment (for example, your hardware, software, information technology and telecommunications services and systems);

(b) any financial decision or action you take in reliance on, or based on, the Services or any AI-generated insights, suggestions or outputs provided through the Services; or

9.3 Subject to the clauses above, but despite anything else to the contrary in these Terms, to the maximum extent permitted by law:

(a) if you are not a ‘consumer’ as defined in the Consumer Rights Act 2015, neither Party will be liable for Consequential Loss;

(b) if you are a ‘consumer’ as defined in the Consumer Rights Act 2015, and you use the Services for any commercial, business or re-sale purpose, we will have no Liability to you for any loss of profit, loss of business, loss of data, business interruption, or loss of business opportunity;

(c) a Party’s liability for any Liability under these Terms will be reduced proportionately to the extent the relevant Liability was caused or contributed to by the acts or omissions of the other Party (or any of its Personnel), including any failure by that other Party to mitigate its loss; and

(d) our aggregate liability to you for any Liability arising from or in connection with these Terms will be limited to the amount of any fees paid by you to us during the 12 months immediately preceding the event giving rise to the Liability, or if you have not paid for the Service, to £1,000.

9.4 This clause 9 will survive the termination or expiry of these Terms.

10. Notice Regarding Apple

10.1 To the extent that you are using or accessing the Services on an iOS device through a mobile application from the Apple App Store, you further acknowledge and agree to the terms of this clause. You acknowledge that these Terms are between you and us only, not with Apple Inc. (Apple), and Apple is not responsible for the Services and any content available on the Services.

10.2 Apple has no obligation to furnish you with any maintenance and support services with respect to the Services.

10.3 If our mobile application fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price of the mobile application to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the mobile application and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be our responsibility.

10.4 Apple is not responsible for addressing any claims by you or any third party relating to our mobile application or your use of our mobile application, including but not limited to: (1) product liability claims; (2) any claim that our mobile application fails to conform to any applicable legal or regulatory requirement; and (3) claims arising under consumer protection or similar legislation.

10.5 Apple is not responsible for the investigation, defence, settlement and discharge of any third-party claim that our mobile application infringes that third party’s intellectual property rights.

10.6 You agree to comply with any applicable third-party terms when using our mobile application.

10.7 Apple and Apple subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary of these Terms.

10.8 You hereby represent and warrant that: (1) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (2) you are not listed on any U.S. Government list of prohibited or restricted parties.

11. Suspension and Termination

Suspension

11.1 We may suspend your access to the Services where we reasonably believe there has been any unauthorised access to or use of the Services (such as the unauthorised sharing of login details for the Services). If we suspend your access to the Services, we will let you know within a reasonable time of doing so, and we will work with you to resolve the matter, or if it cannot be resolved, then we may terminate these Terms and your access to the Services will end.

Termination

11.2 We may terminate these Terms (meaning you will lose access to the Services, and any recurring Services will be cancelled) if:

(a) you fail to pay your fees when they are due;

(b) you breach these Terms and do not remedy that breach within 14 days of us notifying you of that breach;

(d) you experience an insolvency event (including bankruptcy, receivership, administration, liquidation, or entering into creditors’ schemes of arrangement).

11.3 You may terminate these Terms if:

(a) we breach these Terms and do not remedy that breach within 14 days of you notifying us of that breach; or

(b) we breach these Terms and that breach cannot be remedied, and if you have paid fees for recurring Services upfront, you will be issued a pro-rata refund of any unused part of those fees based on the portion of the then-current Services period remaining.

11.4 You may also terminate these Terms at any time by notifying us through your Account or to our email for notices (as set out in clause 12.9), and if you have purchased any recurring services, termination will take effect at the end of your current Services period.

11.5 Upon termination of these Terms, we will delete Your Data.

11.6 Termination of these Terms will not affect any other rights or liabilities that we or you may have.

11.7 This clause 11 will survive the termination or expiry of these Terms.

12. General

12.1 Assignment: You may not transfer or assign these Terms (including any benefits or obligations you have under these Terms) to any third party without our prior written consent. We may assign or transfer these Terms to a third party, or transfer any debt owed by you to us to a debt collector or other third party.

12.2 Complaints and Feedback: We are always looking to improve our services and products. If you have any feedback or a complaint, please notify us on our contact details set out in these Terms and we will take reasonable steps to address any concerns you have.

12.3 Contracts (Rights of Third Parties) Act 1999: Notwithstanding any other provision of these Terms, nothing in these Terms confers or is intended to confer any right to enforce any of its terms on any person who is not a party to it.

12.4 Disputes: A Party may not commence court proceedings relating to any dispute arising from, or in connection with, these Terms (Dispute) without first meeting a representative of the other Party within 14 days of notifying that other Party of the Dispute. If the Parties cannot resolve the Dispute at that meeting, either Party may refer the Dispute to mediation administered by The Centre for Effective Dispute Resolution.

12.5 Events Outside Our Control: We will not be liable for any delay or failure to perform our obligations (including the Services), if such delay or failure is caused or contributed to by an event or circumstance beyond our reasonable control.

12.6 Governing law: These Terms are governed by the laws of England and Wales and both parties submit to the exclusive jurisdiction of the courts operating in England and Wales.

12.7 Illegal Requests: We reserve the right to refuse any request for or in relation to the Services that we deem inappropriate, unethical, unreasonable, illegal or otherwise non-compliant with these Terms.

12.8 Nature of Legal Relationship: These Terms do not create, and should not be interpreted so as to create, a partnership, joint venture, employment or agency relationship between us and you.

12.9 Notices: Any notice you send to us must be sent to the email set out at the beginning of these Terms. Any notice we send to you will be sent to the email address registered against your Account.

12.10 Privacy: We will apply with all applicable data protection laws, and your personal data will be handled in accordance with our privacy policy (available on our website).

12.11 Professional Services Disclaimer: The Services do not constitute, and are not a substitute for, financial, legal or risk management advice.

13. Definitions

In these Terms:

Account means an account accessible to the individual or entity who signed up to the Services.

Consequential Loss includes any consequential loss, special or indirect loss, real or anticipated loss of profit, loss of benefit, loss of revenue, loss of business, loss of goodwill, loss of opportunity, loss of savings, loss of reputation, loss of use and/or loss or corruption of data, whether under statute, contract, equity, tort (including negligence), indemnity or otherwise.

Liability means any expense, cost, liability, loss, damage, claim, notice, entitlement, investigation, demand, proceeding or judgment (whether under statute, contract, equity, tort (including negligence), indemnity or otherwise), howsoever arising, whether direct or indirect and/or whether present, unascertained, future or contingent and whether involving a third party or us or you or otherwise.

Services means the services we provide to you, as detailed at the beginning of these Terms.

Your Data means the information, materials, logos, documents, qualifications and other intellectual property or data supplied by you when receiving the Services or stored by or generated by your use of the Services, including any personal data collected, used, disclosed, stored or otherwise handled in connection with the Services. Your Data does not include any data or information that is generated as a result of your usage of the Services that is a back-end or internal output or an output otherwise generally not available to users of the Services.

Notes before this goes live — flagging for review, not changed without your sign-off:

Two numbering errors in the source Word document (v0.2) have been corrected here so the published page doesn’t show duplicate letters: clause 9.2 read (a), (b), (a) in the source — corrected to (a), (b), (c). Clause 11.2 read (a), (a), (b), (c) — corrected to (a), (b), (c), (d). Worth flagging to Sustainable Synergies/Paul so the master Word file gets the same fix.
The contact email at the top has changed to support@sustainablesynergies.co.uk (the live page currently shows admin@sustainablesynergies.co.uk, and the Privacy Policy separately quotes admin@moneyangel.uk — still three different addresses across the two legal docs and this new version, unreconciled).
The Model Cancellation Form now names kevin.rice@sustainablesynergies.co.uk directly, which the live version doesn’t currently do — worth double-checking Kevin’s happy having his personal address published on the page rather than a generic support inbox.
Clause 3 (Fees) has changed substantively, not just cosmetically, versus what’s live now: upgrades now take effect immediately with a pro-rata balancing payment (previously: next billing cycle for both upgrades and downgrades), and the 14-day cancellation/refund mechanic is now folded into clause 3.5 itself rather than sitting only in clause 5. Worth a quick sanity check with Kevin that this matches the current app billing behaviour before it goes live.
Clause 5.5 now offers an in-app cancellation path (“My Account, Subscription-View Plans and Manage Billing”) in addition to email — worth confirming that flow exists and is named correctly in the app before publishing.