TERMS AND CONDITIONS
1. Who we are and how to contact us
Usebean.com is a site operated by Saverd Limited, a company registered in England and Wales under company number 09904318. Our registered office is Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS. We are registered with the Financial Conduct Authority (FCA), for the provision of payment services under registration number 795761 and authorised and regulated by the FCA for insurance distribution under registration number 785731. In these Terms and Conditions, references to “we” “us” and “our” means Saverd Limited. References to this “service” mean your use of our website or App. References to “account provider” means an Account Servicing Payment Provider such as a bank, building society or credit provider.
To contact us, please email firstname.lastname@example.org.
2.1 These Terms and Conditions apply to your use of this website/App. By using this website/App you agree to these Terms and Conditions. If you do not wish to be bound by these Terms and Conditions you should not use this website/App.
2.2 We may change these Terms and Conditions from time to time. We will give you notice of any changes by posting those changes on our website or in our App. We will not vary any terms and conditions which you previously agreed whilst using this website/App. However, any amended Terms and Conditions will apply to your use of this website/App from the date they are posted and if you do not agree with the amended Terms and Conditions, you are entitled to stop using this website/App at that time.
Use of the App
2.3 If you use our App, from time to time updates to the App may be issued and you will be required to download the latest version. You may not be able to use the App until you have downloaded the latest version of the App and accepted any new terms.
- If the device does not belong to yourself, you confirm you have the consent of the owner to download the App. Data and call charges may be applied by the mobile service provider when using the App. You accept responsibility for any such charges (whether the device is yours or not).
- We may communicate with you electronically via the App using push notifications. Push notifications can be switched off by accessing your device settings.
3. Our service
3.1 Our service allows you to view your financial transactions from selected account providers.
Where you give consent for us to review your transactions, we will request up to date information from your account provider on a daily basis and display it to you when you log into your Bean account.
3.3 To link an account to your Bean account you will need to provide your account log-in details. Depending on which account you are linking, we will ask you to either provide your account log-in details to enable us to link the account or, where available, we will transfer you to your account provider for you to log-in with them directly. Where we ask you to provide account log-in data, we work with a company called Yodlee Inc who will collect and store your account log-in data to enable you to use our service. This enables us to view your transactions but your account log-in data are not shared with us as part of this process. You can find out more about Yodlee at www.yodlee.com.
Where we transfer you to your account provider, you will provide your log-in data directly to your account provider to authorise us to view your transactions. We do not have access to any log in details or security information you provide to your account provider.
Whichever method is used, we will have read only access to your transactions and Bean cannot be used to carry out any banking transactions.
3.4 We are not responsible for the accuracy of any information that we are provided with by your account provider.
3.5 We cannot guarantee that details of your transactions will always be available on this website or App. We rely on your account provider to provide us with access to the information and we cannot guarantee that the service will always be available and there may be times when we are unable to link to your account or obtain new data from your account provider.
3.6 We may need to verify your identity or for you to provide us with other information from time to time in relation to your account. If you do not wish to share this information with us then we may, at our discretion, suspend or cancel your account.
We may make changes to our service
3.7 You acknowledge and agree that we may update and change our service offering from time to time.
We may suspend or withdraw our service
3.8 Our service is made available free of charge on an “as is” basis. We do not guarantee that our service, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our service at any time without notice for business and operational reasons.
Do not rely on information on this service
3.9 The content of our service is provided for general information only and should not be relied upon as advice. It is not intended to amount to advice on which you should rely.
Although we make reasonable efforts to update the information provided by our service, we make no representations, warranties or guarantees, whether express or implied, that the content of our service is accurate, complete or up to date.
3.10 To help you manage your bills, from time to time we will make available various guides on how to cancel certain services and subscriptions that you may be paying for. It remains your responsibility to check the terms and conditions of any contracts you may have for those services or subscriptions, in particular in relation to any cancellation fees or charges that may be payable on cancellation.
Bean Tracking Tools
3.11 We do not recommend, endorse or provide advice in relation to third party products or services. However, we do make information available on our site or in our notifications regarding third party products and we do provide links to third party sites where relevant. We have no control over, and are not responsible for, the provision of those products, services or resources.
3.12 Bean’s tracking tools notify you of events that occur within your transaction data to help you keep informed, notified, and on top of your finances. This may include suggestions of third parties that you could consider using to switch various products or services to in order to save money. It is your responsibility to check the terms and conditions of any products or services with third parties before entering into them and you must make your own decision as to whether switching is right for your circumstances and whether it will save you money.
We may send you these notifications by email however you can turn these off at any time by using the unsubscribe link in the email or by adjusting the settings in your account.
3.13 If you do choose to register or purchase from third party sites, you will be bound by the terms and conditions of the relevant third party site.
4. Use of this Website/App
4.1 By using this website or App you agree that:
- You will not do anything that affects the integrity or security of this website/App or causes or may cause harm, damage or unreasonable inconvenience to other users of this website/App or us; and
- You will not gather, extract, download, reproduce and/or display or advertise on any other website, other online or off-line service or otherwise, any material on or from this website/App, including but not limited to information relating to insurance prices, whether that information has been gained by the use of spiders, data mining, trawling or other ‘screen scraping’ software or system used to extract data.
4.2 If you breach any of the clauses set out at in this section 4, we may take such action as we deem appropriate, including denying you access to this website/App, bringing legal proceedings against you and disclosing such information to appropriate legal and/or regulatory bodies.
We are not responsible for viruses and you must not introduce them
4.3 We do not guarantee that our service will be secure or free from bugs or viruses.
You are responsible for configuring your information technology, computer programmes and platform to access our service. You should use your own virus protection software.
4.4 You must not misuse our service by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our service, the server on which our service is stored or any server, computer or database connected to our service. You must not attack our service via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our service will cease immediately.
5. Account Security
5.1 You must keep your Bean account details safe. If 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 other person.
If you know or suspect that anyone other than you knows your user identification code or password, or has accessed your account, you must promptly notify us at email@example.com.
6. How you may use material on our site or provided in relation to our service
6.1 We are the owner or the licensee of all intellectual property rights in our service, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. You may print off one copy, and may download extracts, of any page(s) from our service for your personal use and you may draw the attention of others within your organisation to content posted on our service.
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 service must always be acknowledged.
6.2 You must not use any part of the content on our service for commercial purposes without obtaining a licence to do so from us or our licensors.
6.3 Save as expressly permitted by law, you must not reverse engineer or decompile any aspect of our service, including the technology and code associated with it. You can not impersonate any other person or create a false identity to use the service. Furthermore accessing our service through robots, scrapers or any other type of automation software is strictly prohibited.
7. Third party websites
7.1 This website contains links to websites operated by third parties. The operation and content of those websites are determined by those third parties and will be governed by separate terms and conditions. We do not accept responsibility or liability for the content of any third party website, as this is outside of our control.
7.2 Links are provided for convenience only and inclusion of any links should not be taken to imply endorsement in any way of the site to which it links.
7.3 You may wish to take the following steps when purchasing a product or service from a third party website:
- Read and ensure that you understand the terms and conditions of their website and terms and conditions of any product or service you might be agreeing with them;
- Clarify and/or check your understanding of relevant terms and conditions by seeking independent advice, for example if the proposed Transaction is of significant financial value to you or your insurance criteria is particularly unique or high risk.
Our responsibility for loss or damage suffered by you
8.1 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
8.2 Please note that we only provide our service for personal use. You agree not to use our service for any commercial or business purposes.
8.3 You acknowledge that our service is provided free of charge and on an “as is” basis and that we are not liable to you for any loss of profit, loss of business or loss of opportunity or for any indirect or consequential losses (even if we or they were advised of the possibility that they might arise). We are not liable for the acts or omissions of any third parties.
9. Rules about linking to our service
9.1 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 service in any webservice that is not owned by you. Our service must not be framed on any other service, nor may you create a link to any part of our service other than the home page. We reserve the right to withdraw linking permission without notice.
10. Cancelling your Account
How to cancel your account with us
10.1 You may cancel your account with us at any time from within the service itself or by emailing us at firstname.lastname@example.org using the email address that you when you signed up to the service or by using the chat function in our service.
10.2 Extended periods of inactivity may result in your account being cancelled or suspended.
11. Complaints handing process
We aim to provide a high level of service to all our customers, but occasionally things can go wrong. If this happens, we’ll do everything we can to put things right and help you.
If you have a complaint about our service, please contact us at email@example.com and we will attempt to resolve your complaint. Alternatively, you may write to us at the following address:
White Collar Factory
1 Old Street Yard
London EC1Y 8AF
Should you wish to use an alternative means of communication, we are happy to, on request, correspond with you by telephone.
Please include your name, address, a contact number and details of why you are unhappy. This will help us to respond to you as quickly as possible.
For the purposes of handling complaints, our working day is 9.00am – 5.00pm Monday to Friday excluding bank holidays.
- send a final response to you by the end of 15 business days after the day on which we received the complaint; or
- in exceptional circumstances, if a final response cannot be given in accordance with paragraph (1) above for reasons beyond our control we shall:
- send a final response by the end of 35 business days after the day on which we received the complaint.
If you are dissatisfied with our response, you may refer your complaint to the Financial Ombudsman Service. For more information please go to www.financial-ombudsman.org.uk.
12. Jurisdiction and Enforceability
12.1 If any provision of these Terms and Conditions are held by a competent authority to be invalid or unenforceable, the remaining provisions of these Terms and Conditions will not be affected and will remain valid.
12.2 These terms and conditions, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction 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.
These Terms and Conditions were last updated on 15 August 2019.