TERMS AND CONDITIONS



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 09721934 (“We” / “Our”). We are and have our registered office at 41 Luke Street, London EC2A 4LB. We are registered with the Information Commissioner with registration number ZA242214.
To contact us, please email support@usebean.com


Our service


Our service provides a consolidated view of your transaction data and systems to manage your personal finances.
Further details can be found on our site and in these terms.
By using our service, you confirm that you accept these terms and that you agree to comply with them.
If you do not agree to these terms, you must not use our service.
You must be over 18 years old and a resident of the United Kingdom to use our service.
You shall not impersonate any other person or create a false identity in connection with your use of our service. You may only hold one account with us at a time.




There are other terms that may apply to you


The following additional terms also apply to your use of our service:
Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our service, you consent to such processing and you warrant that all data provided by you is accurate.
Our Cookie Policy, which sets out information about the cookies on our service.




We make changes to these terms


We amend these terms from time to time. Every time you wish to use our service, please check these terms to ensure you understand the terms that apply at that time.




We may make changes to our service


You acknowledge and agree that we may update and change our service offering from time to time.




We may suspend or withdraw our service


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.




Bank Accounts and Credit Cards


To use Bean, you need to connect your bank accounts and credit cards. This allows Bean to analyse your transactions.
By using our service, you authorise us, on your behalf, to access your account(s) held with third party service providers.
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.
If you or we terminate your Bean account we will permanently and securely delete all of your personally identifiable information including bank and credit card details.




Managing your personal finances


You may ask Bean to cancel a subscription that you no longer want or switch contracts to alternative suppliers. In doing so you authorise Bean to act as your agent on your behalf to do all things we deem necessary to carry out the service you have asked us to perform. Where relevant you may need to provide us with account and log-in details for third party accounts in order to enable us to process your instructions. We will inform you if this is necessary and you may decide whether to proceed or not. We keep all information provided to us in the strictest confidence.
We offer no guarantees that we will be able process a request such as cancelling a subscription, as this is not entirely within our control.




Bean’s tracking tools


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.
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 regarding third party products and we do provide links to third party sites where relevant.
Although we make reasonable efforts to update the information on our service, we make no representations, warranties or guarantees, whether express or implied, that the content on our service is accurate, complete or up to date.
Where our service contains links to other sites, services and resources provided by third parties, these links are provided for your information only. We have no control over, and are not responsible for, the provision of those products, services or resources.
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.


You must keep your 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.
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 of use.
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 [help email address].




User generated content


Our service may include information and materials uploaded by other users of the service, such as reviews of third party products or services. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.
If you wish to complain about information and materials uploaded by other users please contact us on support@usebean.com.
Whenever you make use of a feature that allows you to upload content to our site, or to make contact with other users of our site, you must comply with the content standards set out in our Acceptable Use Policy
You warrant that any such contribution does comply with those standards, and you will be liable to us and indemnify us for any 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.
Any content you upload to our site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us and other users of our site a limited licence to use, store and copy that content and to distribute and make it available to third parties.
We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.
We have the right to remove any posting you make on our site if, in our opinion, your post does not comply with the content standards set out in our Acceptable Use Policy.




How you may use material on our site or provided in relation to our service


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.
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.
If you print off, copy or download any part of our service in breach of these terms of use, your right to use our service will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
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.




Comparison service


You shall obtain permission from any third parties whose details you provide to us in obtaining a quote.
You should answer all questions honestly and accurately and ensure that any assumptions made by the supplier in providing the quote are true.
In order to accept a quote you must contact the relevant supplier directly. Your contract will be subject to the applicable terms and conditions of the relevant supplier, which you should read carefully.




Do not rely on information on this service


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. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content of our service.
Although we make reasonable efforts to update the information of 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.




Our responsibility for loss or damage suffered by you


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.
Please note that we only provide our service for personal use. You agree not to use our service for any commercial or business purposes.
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.




We are not responsible for viruses and you must not introduce them


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.
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.




Rules about linking to our service


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.
The webservice in which you are linking must comply in all respects with the content standards set out in our Acceptable Use Policy.




How to cancel your account with us


You may cancel your account with us at any time from within the service itself or by emailing us at support@usebean.com using the email address that you when you signed up to the service.
Extended periods of inactivity may result in your account being cancelled or suspended.




Complaints handing process


If you would like to make a complaint about our service, you may do so by emailing support@usebean.com.
We will acknowledge your complaint by email and will investigate and send an initial response as soon as possible and will keep you updated regarding the progress of the complaint.




Which country’s laws apply to any disputes?


Please note that these terms of use, 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.
If you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.