Terms and Conditions

Last changed: 30th April 2017


    1. The Bean website (www.usebean.com) (Platform) is currently in BETA testing phase (Beta Phase). The Platform is made available on a limited basis only and all access and use remains, entirely at your own risk.

    2. The Platform is owned and operated by Bean, the trading name of Saverd Ltd (Company No. 09904318) of 41 Luke Street, London, England, EC2A 4DP (Bean). Bean grants you a non-exclusive, limited and revocable licence to use and access the Platform for the Beta Phase subject to these terms and conditions (Terms). In these Terms, “us”, “we” and “our” refer to Bean and references to “you” and “your” is to you, the user of the Platform.

    3. By using the Platform you agree to be bound by these Terms. You agree that we may change, update or otherwise amend the Platform and these Terms at our absolute discretion.

    4. You may cancel your user account at any time. Note, extended periods of inactivity may also result in cancellation or Account information stored by us being made unavailable.

    5. We may end the agreement formed by the Terms immediately by giving you written notice. It is not essential to provide reasons for the termination. If you do not agree with these Terms or we give notice of termination, you must immediately cease using the Platform.


    1. The Platform will provide the following services (Services), allowing users to:

      1. connect their bank account to the Platform;
      2. view their bills and subscriptions (Recurring Payments); and
      3. make requests for cancellation of a Recurring Payment via the Platform
      4. notifiy users of other services.
    2. The Platform is in Beta Phase and will be subject to frequent and possibly substantial changes as we look to make improvements to the Platform or related services and features. We reserve the right to withdraw or amend the Platform, and any service or material we provide on the Platform without notice and you agree that we are not liable for any loss or damage that you or any other person incurs by not being able to access the Platform.


    1. To gain access to the Services you will need to register an account (Account) by providing the information requested on the Platform (including full name, email address, phone number) or permitting access via an approved social network account (such as Facebook or Google+), selecting a username and creating a password, setting your privacy settings.

    2. For security and compliance purposes, we may request further information from you to confirm your identity and we may share such information with third party service providers for the purposed of checking and cross-referencing the information you provide in order to verify your identity.

    3. If you are provided with a username and password to access the Platform, it is your responsibility to keep your username and password secure and you indemnify us for any loss or damage we suffer as a result of unauthorised access to your Account.

    4. Registration may require provision of personal information (such as full name, copy of passport and email) and access to a third party account (such as your bank account). You consent to the use of this information to create your Account and

    5. You acknowledge that we rely on the information provided by you during the registration process as being true, accurate, current, complete and not misleading and remains so. You must notify us of any change to such information.


    1. We would appreciate your feedback on the Platform, please notify us of all bugs, glitches, lack of functionality or other problems on the Platform and share your ideas for enhancements that come to your attention during the Beta Phase.

    2. You agree that all feedback, information or testimonials that you provide during the Beta Phase may be used in any marketing materials for the promotion of the Platform.

    3. We encourage you to publicly talk and write about the Platform. When doing so, please take into account that the Platform is in Beta Phase and everything is subject to change. We kindly ask you to restrain from publishing full reviews, public tests, screenshots or anything else that might unfaithfully represent the Platform. Of course, we would prefer if you provide any constructive criticism to us directly.

    4. You have been granted access to the Platform with a login account that was provided to you. Access to the Platform is not open to the general public. You agree to treat your use of the Platform as confidential and will not, without our express written authorisation grant access to the Platform to any third party.


    1. All content submitted to us remains our copyright and intellectual property, including any source code, usage data, ideas, enhancements, feature requests, suggestions or other information provided by you or any other user.

    2. Without our express written permission, you shall not copy the Platform for your own commercial purposes, including:

      1. modify, reuse, decompile, reverse engineer or otherwise translate the Platform or any portion thereof;
      2. replicate all or part of the Platform in anyway;
      3. incorporate all or part of the Platform in any other webpage, Platform, Platform, application or other digital or non-digital format; or
      4. use any “deep-link”, “robot”, “spider”, “page-scrape” or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Platform, nor in any way reproduce or circumvent the navigational structure or presentation of same, nor obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Platform.
    3. We have the moral, proprietary and/or registered rights in its trademarks and you shall not copy, alter, use or otherwise deal in the marks without our prior written consent.


    1. We rely on certain third party Platforms, including: (i) Banks, credit card providers and related service providers; (ii) telecommunication services; (iii) hosting services; (iv) email services; and (v) analytics services. You agree that we cannot be liable for any.

    2. The Platform may contain information and advertising from third-party businesses, people and Platforms You consent to receiving this information as part of your use of the Platform.

    3. We are not responsible for (i) any delays or interruptions in services due to such third parties; or (ii) any information contained on any such third-party website, nor are we responsible for the accuracy of any advertisements.


    1. We intend to correct any technical problems during this Beta Phase as soon as possible, although this may result in the loss of your data and resetting your account. We disclaim any liability for such technical problems.

    2. We accept no responsibility for the unavailability of this Platform, or any offer services found on the Platform.

    3. You acknowledge that in using the Platform you do not rely on any statement, representation, assurance or warranty (whether made innocently or negligently) that is not set out in these Terms.

    4. In no circumstances will we be liable for any direct, incidental, consequential or indirect damages, loss or corruption of data, loss of profits, goodwill, bargain or opportunity, loss of anticipated savings or any other similar or analogous loss resulting from your access to, or use of, or inability to use the Platform or any content, whether based on warranty, contract, tort, negligence, in equity or any other legal theory, and whether or not we knew or should have known of the possibility of such damage, to business interruption of any type, whether in tort, contract or otherwise.


    1. You accept our Privacy Policy and Cookie Policy and agree that you will not do anything that shall compromise compliance nor do anything contrary, insofar as your use of the Platform is concerned.

    2. We may amend the Privacy Policy and Cookie Policy without notice and at our absolute discretion, and by continuing to use the Platform you accept such changes.


    1. You can contact our customer service team by email (hello@usebean.com).

    2. You can direct notices, enquiries, complaints and so forth to us using any other details published on the Platform. We will notify you of a change of details by publishing new details on the Platform.

    3. We will send you notices and other correspondence to the email address that you submit to the Platform, or that you notify us of from time-to-time. It is your responsibility to update your contact details as they change.

    4. A consent, notice or communication under this agreement is effective if it is sent as an electronic communication (having the meaning given to that term in Electronic Communications Act 2000 and the Electronic Signatures Regulations 2002) unless required to be physically delivered under law.


    1. We may assign or otherwise create any interest in their rights under these Terms by giving you written notice.

    2. Any provision of these Terms, which is invalid or unenforceable in any jurisdiction, is, as to that jurisdiction, ineffective to the extent of the invalidity or unenforceability without affecting the remaining provisions of these Terms or affecting the validity or enforceability of that provision in any other jurisdiction. The parties will negotiate in good faith to replace any such provision with a provision which is valid and enforceable and consistent with the intention of these Terms, so far as is reasonably practicable.

    3. The parties agree that these Terms shall be accepted electronically and the agreement to these Terms is formed and validly entered into electronically.

    4. The termination of these Terms does not affect the parties’ rights in respect of periods before the termination of these Terms.

    5. These Terms and any non-contractual obligations arising therefrom are governed by the laws of England and Wales and you submit to the exclusive jurisdiction of the courts in England.