Terms & Conditions
You are viewing our current T&C's; last updated 17/12/19
ApTap Terms and Conditions
Any reference to “you” in these Terms includes yourself and any person that accesses or uses the Site or App and the services we make available via the Site or App (the “Services”) on your behalf, whether as a guest or a registered user.
Please read these Terms carefully before using our Site or App. By using our Site or App, you confirm that you accept these Terms and agree to comply with them. Your agreement to comply with and be bound by these Terms is deemed to occur upon your first use of our Site or App and you will be required to read and accept these terms when signing up for an account. If you do not agree to these Terms, you must not use our Site or App.
Other Applicable Terms
If you use our App, the Apple/iOS App Store Terms also apply.
Information About Us
ApTap organises your bank accounts, bills and payments. Our Site and App are owned and operated by the ApTap LTD, which is registered in England and Wales under company number 11171584 and has its registered office at 5 Princess Gate, SW7 1QJ, London, UK. ApTap is also registered with the ICO under reference number
Accessing our Site, App and Services
We do not guarantee that our Services, our Site, our App, or any content on our Site or App, will always be available or be uninterrupted. Access to our Site and App is permitted on an “as is” temporary basis. We may suspend, withdraw, discontinue or change all or any part of our Site, App or Services without notice. We will not be liable to you if for any reason our Site or App are unavailable at any time or for any period.
You are responsible for making all arrangements necessary for you to have access to our Site or App. You are also responsible for ensuring that all persons who access our Site or App through your internet connection are aware of these Terms and other applicable terms and conditions, and that they comply with them.
Our Services are directed to people residing in the United Kingdom. We do not represent that our Services or the content available on or through our Site or App is appropriate or available in other locations. We may limit the availability of our Site or App or any service or product described on our Site or App to any person or geographic area at any time. If you choose to access our Site or App from outside the United Kingdom, you do so at your own risk.
You Authorise ApTap to Act on Your Behalf
By using our Services you authorise ApTap to act as your limited agent for the sole purpose of:
Accessing, organising and automating your accounts, bills and payments with third-party providers; and
Assisting in cancelling accounts or services or changing providers where specifically requested by you.
You acknowledge and agree that when ApTap accesses and retrieves information from third parties relating to you, ApTap is acting on your behalf and not as an agent of any third party or other entity. You agree that the authorisation that you grant us to act on your behalf may be relied upon by third parties and that our Service is not endorsed by any of the third party providers that can be organised or automated through our Services. We do not warrant or otherwise guarantee that such third parties permit use of our Service as part of any agreement you have in place with them.
You agree to indemnify and hold us (and our subsidiaries, affiliates, officers, agents, co-branders or other partners, and employees) harmless from any claims, damages, liabilities, costs, and expenses incurred by us as a result of any claim, judgment, or adjudication against us related to or arising in connection with our limited agency.
Your Account and Password
When you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms.
If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at firstname.lastname@example.org. We will not be liable for any unauthorised use of your account.
You may close your account at any time by emailing email@example.com.
Intellectual Property Rights and Use of Material
We are the owner or the licensee of all intellectual property rights on our Site and App (including our algorithm and all material published on our Site and App). Those works are protected by copyright laws and treaties around the world. All such rights are reserved and, subject to the below, you may not reproduce, copy, distribute, sell, sub-licence, store, or in any other manner re-use content from our Site or App unless given express written permission to do so by us.
You may print off one copy and may download extracts of any page(s) from our Site or App for your personal use. You may draw the attention of others within your organisation to content on our Site or App.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of content on our Site and App must always be acknowledged.
You must not use any part of the content on our Site or App for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of our Site or App in breach of these Terms, your right to use our Site and App will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. You agree that you will not use our intellectual property rights in any way other than allowed under these Terms and any infringement by you thereof will be a material breach of these Terms.
No Reliance on Information
The content on our Site and App is provided for general information only. It is not intended to amount to advice on which you should rely. It is your responsibility to ensure that any Services or information available through the Site or App (either directly or indirectly) meet your specific requirements.
Although we make reasonable efforts to update the information on our Site and App, we make no representations, warranties or guarantees, whether express or implied, that the content on our Site or App is accurate, complete or up-to-date.
Limitation of our Liability
Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.
To the fullest extent permissible by law, we accept no liability to any user for any loss or damage, whether foreseeable or otherwise, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or inability to use) our Site, App and Services or the use of or reliance upon our Services or any content included on our Site or App. To the fullest extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our Services, Site, App or any content on our Site or App, whether express or implied, including any guarantee that our Site or App will meet your requirements.
We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
use of, or inability to use, our Site or App;
use of or reliance on our Services or any content displayed on our Site or App;
failure of any request to cancel an account or service via our App;
failure to pay a bill or make any payment for an account or service you have synced with our App;
loss of profits, sales, business, or revenue;
loss of anticipated savings;
loss of business opportunity, goodwill or reputation; or
any indirect or consequential loss or damage.
Please note that we only provide our Site and App for domestic and private use. Unless agreed by us in writing in advance, you agree not to use our Site or App for any commercial or business purposes.
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 our Site or App or to your downloading of any content on it, or on any website linked to them. We accept no responsibility or liability arising out of any disruption or non-availability of our Site or App resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, natural events or acts of war.
We assume no responsibility for the content of websites linked on our Site or App. Unless expressly stated, these websites are not under our control. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
Content that you post using our Services is your content, and includes (but is not limited to) anything you post using our Services such as usernames, profile pictures, photos or descriptions (“Your Content”). We do not make any claim to Your Content. Your Content must comply with the Content Standards section below.
Responsibility for Your Content. You understand that you are solely responsible for Your Content. You warrant that you have all necessary rights to Your Content and that you are not infringing or violating any third party’s rights by posting it or uploading it to the Site or App. You agree to indemnify us for any loss or damage suffered by us as a result of your breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty..
Permission to Use Your Content. By posting, submitting or transmitting Your Content on or via our Site or App, you grant us a licence to use it. We don’t claim any ownership to Your Content, but we have your permission to use it to help us function and grow. That way, we won’t infringe any rights you have in Your Content and we can help promote Your Content and use it to deliver our Services to you.
Rights You Grant to us. By posting Your Content, you grant us a non-exclusive, worldwide, royalty-free, irrevocable, fully transferable, sub-licensable, perpetual licence to use, display, edit, modify, reproduce, distribute, store, and prepare derivative works of Your Content to operate and promote the Site or App, in any formats and through any channels, including across any third-party website or advertising medium. Your Content will be considered non-confidential and nonproprietary and we have the right to use, copy, distribute and disclose it to third parties.
Reporting Unauthorized Content. We take intellectual property rights very seriously, and are committed to following appropriate legal procedures to remove infringing content from our Site or App. If content that you own or have rights to (including Your Content) has been posted to the Site or App without your permission and you want it removed, please contact us firstname.lastname@example.org. If Your Content infringes another person’s intellectual property, we will remove it if we receive proper notice. If any third party claims that any material posted or uploaded by you to the Site or App violates their intellectual property rights, or their right to privacy, we have the right to disclose your identity to them. We’ll notify you if that happens.
Inappropriate, False or Misleading Content. This should be common sense, but there are certain types of content we don’t want posted via the Site or App (for legal reasons or otherwise). You agree that you will not post any content that is abusive, threatening, defamatory, obscene, vulgar or otherwise offensive or in violation of our Terms (including the Content Standards set out in paragraph 15 below). You also agree not to post any content that is false and misleading or uses the Site or App in a manner that is fraudulent or deceptive. We will not be responsible, or liable to any third party, for Your Content or the accuracy of any materials posted by you or any other user of the Site or App.
Advertisements. Some of the Site and App is supported by advertising revenue and may display advertisements and promotions, and you hereby agree that we may place such advertising and promotions on the Site or App or on, about, or in conjunction with Your Content without any payment being or becoming due to you. We are not responsible for the content of any advertising on the Site or App including, but not limited to, any errors, inaccuracies, or omissions therein.
We do not guarantee that our Site or App will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform in order to access our Site or App. You should use your own virus protection software.
You must not misuse our Site or App by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site or App, the servers on which our Site or App are stored or any server, computer or database connected to our Site or App. You must not attack our Site or App via a denial-of-service attack or a distributed denial-of service attack. A breach of this provision is a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Site and App will cease immediately.
Linking to our Site
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link to our Site in any website that is not owned by you.
Our Site must not be framed on any other Site, nor may you create a link to any part of our Site other than the home page.
We reserve the right to withdraw linking permission without notice.
The website to which you are linking must comply in all respects with the Content Standards paragraph set out below.
If you wish to make any use of content on our Site other than that set out above, please contact us at email@example.com.
You may use our Site and App only for lawful purposes. You may not use our Site or App:
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 minors in any way.
To send, knowingly receive, upload, download, use or reuse any material which does not comply with our content standards described in the next paragraph (Content Standards).
To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
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.
You also agree:
Not to reproduce, duplicate, copy or resell any part of our Site or App in contravention of these Terms.
Not to access without authority, interfere with, damage or disrupt:
any part of our Site or App;
any equipment or network on which our Site or App is stored;
any software used in the provision of our Site or App; or
any equipment or network or software owned or used by any third party.
These content standards apply to any and all material which you upload or contribute to our Site or App (contributions), and to any interactive services associated with it. You must comply with the spirit and the letter of the following standards. The standards apply to each part of any contribution as well as to its whole.
Be accurate (where they state facts).
Be genuinely held (where they state opinions).
Comply with applicable law in the UK and in any country from which they are posted.
Contributions must not:
Contain any material which is defamatory of any person.
Contain any material which is obscene, offensive, hateful or inflammatory.
Promote sexually explicit material.
Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age.
Infringe any copyright, database right or trademark of any other person.
Be likely to deceive any person.
Be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence.
Promote any illegal activity.
Be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety.
Be likely to harass, upset, embarrass, alarm or annoy any other person.
Be used to impersonate any person, or to misrepresent your identity or affiliation with any person.
Give the impression that they emanate from us, if this is not the case.
Advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.
We are not responsible for the content or accuracy of, or for any opinions, views, or values expressed in any posts, comments or other content posted by users. Any such opinions, views, or values are those of the relevant user and do not reflect our opinions, views, or values in any way.
Suspension and Termination
We will determine, in our discretion, whether there has been a breach of these Terms. When a breach has occurred, we may take such action as we deem appropriate, including any of the following actions:
Denial of access to the Site and App and immediate, temporary or permanent withdrawal of your right to use our Site and App (including suspension or termination of your account).
Immediate, temporary or permanent removal of any posting or material uploaded by you to our Site or App.
Issue of a warning to you.
Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
Further legal action against you.
Disclosure of such information to law enforcement authorities as we reasonably feel is necessary.
We exclude liability for actions taken in response to breaches of these Terms. The responses described in this policy are not limited, and we may take any other action we reasonably deem appropriate.
You agree to fully reimburse us for all losses (including loss of profit, revenue, goodwill or reputation), costs and expenses arising out of any breach of these Terms by you, or any other act or omission by you in using the Site or App or by any other person accessing the Site or App using your personal information with your authority that results in any legal responsibility on our part to any third party.
If your account is terminated or deactivated (by you or by us), your photos, comments and all other data uploaded and pertaining to your account (including Your Content) will no longer be accessible through your account, but those materials and data may persist and appear within the Site or App (for example if Your Content has been re-shared by other users).
We encourage you to maintain your own backup of Your Content. We are not a backup service and you agree that you will not rely on the Site or App for the purposes of backup or storage of Your Content. Whilst we will take all reasonable steps to keep Your Content secure, we do not guarantee that others will not gain access to your information or that Your Content will be stored safely. You acknowledge that the Internet may be subject to breaches of security and that the submission of content or other information may not be secure.
Clause headings are inserted for convenience only and shall not affect the interpretation of these Terms. We will not lose our rights under these Terms by reason of any delay by us in enforcing those rights.
If any provision of these Terms is deemed unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions.
These Terms, and all incorporated documents referred to herein, constitutes the entire agreement as to your use of and our provision of the Site or App and supersedes and extinguishes all previous agreements, promises, assurances, warranties, representations and understandings between us, whether written or oral.
You acknowledge that, in entering into this agreement, you do not rely on, and shall have no remedies in respect of, any statement, representation, assurance or warranty (whether made innocently or negligently) that is not set out in these Terms or any incorporated documents referred to herein.
These Terms will be interpreted, construed and enforced in all respects in accordance with the laws of England and Wales, and you irrevocably submit to the jurisdiction of the Courts of England and Wales and you irrevocably submit to the exclusive jurisdiction of the Courts of England and Wales, except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.
Changes to our Site or App
We may update our Site or App from time to time, and may change the content and Services at any time. However, please note that any of the content on our Site or App may be out of date at any given time, and we are under no obligation to update it. We do not guarantee that our Site, App, or any content on our Site or App will be free from errors or omissions.
Changes to these Terms
We may revise these Terms at any time by amending this page. Please check this page from time to time for any changes, as they are binding on you upon your first use of the Site or App after the changes have been introduced. In the event of any conflict between the current version of these Terms and any previous version(s), the provisions that are current and in effect will prevail (unless it is expressly stated otherwise).
To contact us, please email firstname.lastname@example.org.