Terms that make sense.

1.1

GoodBreach LTD ("GoodBreach", "our", or "us") is a company registered in England and Wales whose registered office is at 943 12 Baltimore Wharf, London, England, E14 9FG and whose registered number is 16455072.

1.2

GoodBreach is in beta and preparing for FCA registration as an AIS agent under the FCA's Open Banking framework.

1.3

By accessing or using the GoodBreach website, the GoodBreach beta service, or any GoodBreach applications (including the mobile application (the "App")) made available by GoodBreach, you confirm that you accept these Terms of Use and agree to be bound by them. If you do not agree to these Terms of Use, you must not use the Service. The GoodBreach platform (including its website, App, and behavioural insight algorithm — together, the "Service") is owned and operated by GoodBreach Ltd. GoodBreach is currently operating in its beta testing phase and does not yet provide regulated financial services. The current version of the Service offers goal tracking, behavioural insights, and educational features only and does not involve access to or movement of real funds. GoodBreach is in the process of preparing for registration with the Financial Conduct Authority (FCA) as an agent of an authorised Account Information Service (AIS) provider under the FCA's Open Banking framework. Users will be notified when FCA registration is complete and before any live financial integrations are enabled.

1.4

These Terms of Use (together with our Privacy & Cookie Policy) set out the terms on which you may access and use the GoodBreach Service during its beta testing phase. They describe your rights and responsibilities when using the Service, as well as our obligations and limitations as the provider.

1.5

Please read these Terms carefully, as they explain how you may use the website, mobile application, and related features. By continuing to use the Service, you acknowledge that GoodBreach is currently a beta platform providing informational and educational tools only, and does not yet provide regulated financial services.

2.1

GoodBreach currently provides a personal finance insights and behavioural savings management service that helps you set goals, track progress, and receive personalised nudges and insights to encourage positive financial habits (the "Service"). During the beta phase, the Service is for informational and educational purposes only and does not yet provide access to live financial data or regulated Open Banking features. By using the Service, you confirm that you are at least 18 years old and a resident of the United Kingdom.

2.2

During the beta phase, the Service will enable you to securely connect your bank accounts through Open Banking to access and display your transaction and balance information ("Accounts") subject to FCA registration as an agent of an authorised Account Information Service (AIS) provider is complete.

2.3

The purpose of the Service is to help you understand and improve your financial habits by providing a consolidated view of your financial information and AI-powered behavioural insights. Our Algorithm analyses the information you provide (and, in future, your connected Accounts) to identify spending patterns, recurring payments, potential savings opportunities, and behavioural trends that may support your savings goals.

2.4

You acknowledge and agree that the Service is independent and not endorsed, authorised, or sponsored by any financial institution, bank, or third-party account provider whose information you may choose to connect or upload.

3.1

Access to the Service will be through our App. Your use of the App remains at all times subject to the terms and conditions and privacy policies of the relevant app store from which you downloaded it, being one of: the Google Play store; or the Apple App Store, each an "App Store". To the extent that there is a conflict between those terms and conditions and these Terms of Use, these Terms of Use shall take priority.

3.2

You must not allow anyone to access the Service on your behalf. You must treat as confidential the information you provide as part of our security procedures, and you must not disclose it to any third party.

4.1

During the beta phase, you may manually provide or upload financial information to enable GoodBreach to generate insights and behavioural recommendations. Once FCA registration as an agent of an authorised Account Information Service (AIS) provider is complete, you will be able to connect your bank accounts securely through Open Banking. GoodBreach will not initiate or process any payments from your accounts under any circumstances.

4.2

You grant GoodBreach and its Trusted Collaborators a non-exclusive, royalty-free licence to use the financial information you provide solely for purposes connected with delivering and improving the Service and as described in these Terms and in our Privacy & Cookie Policy. GoodBreach and its Trusted Collaborators may also create and use aggregate or anonymised data derived from your use of the Service for analytical, research, or reporting purposes. Such data will not personally identify you.

4.3

You may use the content, insights, and materials delivered through the Service only within the GoodBreach website or App. You may not copy, reproduce, distribute, or create derivative works from this content without prior written consent from GoodBreach.

4.4

By using the Service, you acknowledge and agree that GoodBreach and its Trusted Collaborators may store or process your data in the United Kingdom or other jurisdictions, in accordance with applicable data-protection laws and as described in our Privacy & Cookie Policy.

4.5

When GoodBreach (or its authorised AIS provider) retrieves your account information, it does so solely on your behalf and with your consent, acting as your representative, and not on behalf of any bank, financial institution, or third party.

4.6

You agree that GoodBreach may disclose your identity and information relating to your Personal Account(s) to third parties only when required to do so by applicable law, regulation, or court order, or when such disclosure is otherwise necessary to comply with legal or regulatory obligations.

4.7

We do not verify the accuracy of any Personal Account information or personal details that you provide to us. We rely on you (and, once connected, your authorised Account provider) to ensure that all such information is accurate, complete, and up to date.

4.8

By using the Service, you confirm that you are the lawful owner or authorised user of all data and information relating to your Personal Account(s). You grant GoodBreach, its Trusted Collaborators, and any authorised third-party Account Information Service Providers a limited mandate to access and retrieve such information on your behalf and with your explicit consent.

4.9

For compliance, security, and identity verification purposes, you authorise GoodBreach to obtain, verify, and retain information that helps confirm your identity. This may be carried out directly or through a regulated third-party provider.

4.10

You agree that any of our Trusted Collaborators or third-party service providers involved in delivering the Service are considered third-party beneficiaries of the relevant provisions of these Terms, with the right to enforce such provisions as if they were a direct party to these Terms.

5.1

We use cookies and similar technologies to provide the Service. By using the Service, you agree to the terms of our Privacy & Cookie Policy, which forms part of these Terms of Use and our agreement with you. Please visit goodbreach.com/privacy for more information.

6.1

You must not, without proper authorisation, access, interfere with, damage, or disrupt (or attempt to do any of the same) any part of the Service, its security systems, servers, networks, software, or other infrastructure used in connection with the Service. This includes transmitting or introducing any viruses, worms, malware, logic bombs, Trojan horses, spyware, or any other harmful code or data (together, "Viruses") that could impair the functionality or integrity of the Service.

6.2

You may not inject content or code, or otherwise alter, manipulate, or interfere with the way any page, screen, or element of the Service is rendered or displayed on any browser or device.

6.3

You must not access or use the Service through any unauthorised means, including but not limited to automated tools, bots, scripts, crawlers, or scrapers. The only exception is for standard search engine technologies used by search engines with GoodBreach's express written consent.

6.4

You must not modify, adapt, or alter the Service or represent any other website, product, or service as being associated with or endorsed by GoodBreach, unless you have prior written authorisation from us.

6.5

GoodBreach does not accept unsolicited content, information, ideas, suggestions, or other materials, except where specific criteria and conditions have been published by GoodBreach.

6.6

Where you do submit unsolicited content in breach of paragraph 6, you agree that we may use such content for any purpose whatsoever, including developing and marketing products and services, without any liability or payment of any kind to you.

7.1

Your browsing and interaction on any other website or your use of other services, including websites and services which have a link to the Service, is subject to the rules and policies of the relevant website or service.

7.2

The Service, or communications from it or comments within it, may include links to third-party websites, applications or features ("Third Party Services"). These links are provided for your information only.

7.3

GoodBreach does not control, maintain or endorse Third Party Services and you acknowledge and agree that your use of them is at your own risk. We assume no responsibility for the content or operation of Third Party Services.

8.1

You agree that you are responsible for any and all data charges you incur from mobile service providers, internet service providers or other data providers in using the Service.

8.2

We cannot guarantee that the Service will always be free from Viruses. You are responsible for configuring your information technology in order to access the Service and for the security of your internet connection.

9.1

We expect to need to update or amend these Terms from time to time to comply with law or to meet our changing business requirements.

9.2

We reserve the right, in our sole discretion, to change these Terms of Use from time to time ("Amended Terms"). Unless we make a change for legal or administrative reasons, we will provide reasonable advance notice before the Amended Terms take effect. Your use of the Service after the effective date of the Amended Terms constitutes your agreement to the Amended Terms.

10.1

You expressly understand and agree that your use of the Service and all information, products and other content included in or accessible from the Service is at your sole risk. The Service is provided on an "as is" and "as available" basis. Our Trusted Collaborators and us expressly disclaim all warranties of any kind as to the Service, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

10.2

Our Trusted Collaborators and us make no warranty that: the Service will meet your requirements; the Service will be uninterrupted, timely, secure, or error-free; the results that may be obtained from the use of the Service will be accurate or reliable; the quality of any products, services, information, or other material obtained through the Service will meet your expectations; or any errors in the technology will be corrected.

10.3

Any material obtained through the use of the Service is done at your own discretion and risk. No advice or information, whether oral or written, obtained by you through or from the Service will create any warranty not expressly stated in these Terms.

11.1

If we fail to comply with these Terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence, but we are not responsible for any loss or damage that is not foreseeable.

11.2

We only provide the Service for domestic and private use. You agree not to use the product for any commercial, business or resale purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

11.3

We do not in any way exclude or limit our liability for death or personal injury caused by our negligence; or fraud or fraudulent misrepresentation.

11.4

Subject to clause 13.3, and to the extent permitted by applicable law, our Trusted Collaborators will not be liable to you in connection with the Service for: loss of profits or goodwill; any statement or conduct on or via the Service by any third party; loss of data which is caused by factors other than negligence; or any other loss or damage suffered by you in connection with the Service.

11.5

We are not a financial adviser, and the Service is not intended to provide financial advice. Your financial situation is unique. We do not make any representations, warranties, or guarantees of any kind that the Service is appropriate for you.

12.1

You agree to protect and fully compensate our Trusted Collaborators and us and our affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable solicitors' fees) caused by or arising from your use of the Service, your violation of these Terms or your infringement of any intellectual property or other right of anyone.

13.1

We will determine, in our discretion, whether there has been a breach of these Terms of Use through your use of the Service. When such a breach has occurred, we may take such action as we deem appropriate, including: immediate, temporary or permanent withdrawal of your right to use the Service; issue of a warning to you; legal proceedings against you for reimbursement of all costs resulting from the breach; further legal action against you; and/or disclosure of such information to law enforcement authorities as we reasonably feel is necessary.

13.2

The responses described above are not limited and we may take any other action we reasonably deem appropriate.

15.1

You may not assign, sub-license or otherwise transfer any of your rights and/or obligations under these Terms of Use to any third party. You acknowledge that we may assign, sub-license or otherwise transfer any of our rights and/or obligations under these Terms of Use to any third party at any time.

15.2

We will have no liability to you for any failure or delay in performing any of our obligations under these Terms of Use to the extent that such failure or delay is caused or contributed to by you or by an event or circumstance beyond our reasonable control.

15.3

These Terms of Use (together with our Privacy & Cookie Policy) contain the entire agreement and understanding of the parties relating to the subject matter of the agreement between us and supersede all prior agreements, understandings or arrangements relating to the same.

15.4

If any provision of these Terms of Use is found to be invalid for any reason, the invalidity of that provision will not affect the remaining provisions of these Terms of Use, which will remain in full force and effect.

15.5

Failure by either you or us to exercise any right or remedy under these Terms of Use does not constitute a waiver of that right or remedy.

15.7

Nothing in paragraph 15 will limit our right to take proceedings against you in any other court of competent jurisdiction.

16.1

You may cancel your user account at any time. Note, extended periods of inactivity may also result in cancellation or Account Information stored in the Service being made unavailable. To cancel your account email founder@goodbreach.com with your primary email address.

17.1

If you have an enquiry or complaint about the Service, or simply wish to get in touch, you should contact our customer services team via email at founder@goodbreach.com. Thank you for using the Service.