End-user term of use

Introduction

These developer terms of use (“Terms of Use”) and all policies and additional terms (if applicable) posted on (www.dapi.com) (our “Site”) set out the terms on which we offer you access to and use of our Site, services and tools as further described in clauses 2.1 to 2.3 (collectively, the “Services”). These Terms of Use are subject to our commercial agreement with you. Save for our commercial agreement with you (if applicable), you can find our policies and additional terms here (“Legal Documents”). These Legal Documents are incorporated by reference into these Terms of Use.

If there is a conflict between these Terms of Use, our commercial agreement with you and any other document incorporated by reference into the Terms of Use, then such conflict shall be resolved by giving precedence to such different parts of these Terms of Use in the following order of precedence (unless agreed to otherwise by us and you in any document incorporated by reference):

first, our commercial agreement with you;
second, these Terms of Use; and
third, any other document incorporated by reference.

By accessing, registering and/or continuing to use or access our Services, you are agreeing to be bound by these Terms of Use and the Legal Documents with immediate effect. You acknowledge that:

hese Terms of Use apply to third party providers of the web, desktop and/or mobile application used or intended to be used by End Users (as defined below) as made available by or on behalf of the third party provider and which allows the End User to access and use its own financial data in a consolidated way and/or to initiate payment transactions via that application (the “Developer” and also referred to as “you”); and
the End User Terms of Use which is available here apply to end users who use the aggregation services through a third-party application, product or service (the “End User”).

If you do not agree to the Terms of Use and the Legal Documents, you must not use or access our Services.References in these Terms of Use to “you” or “Developer” (or similar) are references to you as an individual or legal entity as the case may be.
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To the extent that you use additional services from time to time, you may have to agree to additional terms and conditions as notified to you prior to your access to, and use of, those additional services.

ABOUT OUR SERVICES

We offer two financial APIs, a Data API and Payment API (both defined below), that let apps and others:

access its user’s transactional information, account balances and other financial information as described in schedule 1 (the “Data API”); and
initiate payments by automating bank transfers – we initiate payments by securely communicating with the relevant service provider providing such services and instructing such service provider to make payment from the End User’s selected account (the “Payment API”).

With respect to the Payment API, we will initiate payment wherever the End User has provided consent through the third-party application unless:

incomplete or incorrect information has been given;
applicable laws and regulations do not permit and/or inhibit such action from being taken;
in our reasonable opinion, the payment may be fraudulent or otherwise unlawful; and
We reasonably believe that the End User is not the named account holder.

Our financial APIs have the following use cases, which include (without limitation):

categorization of transactional data from multiple bank sources;
lenders may make instant, informed decisions by accessing streamlined data;
verification of account ownership;
facilitation of consumer payments;
categorization of bank data in order to build accounting tools; and
initiation of bank transfers.

The information provided in the Developer Portal and our Site is intended for use by Developers only. We provide the Developer Portal for the purposes of facilitating testing of the Developer Apps to be used with our APIs. “Developer App” means a software application or component created by you to integrate with our APIs.

We will provide you with a testing facility, including support, for connection and functional testing of the APIs and the Developer App.

Notwithstanding anything to the contrary in these Terms of Use, we reserve the right to introduce new services and update or withdraw any of the Services, in our sole discretion, and we will not be liable to you for exercising this discretion.

Eligibility And Registration Requirements

In order to use our Services, you may be required to register as a user on our Services and provide us with certain information.
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You are eligible to register as a user of our Services if you meet the following eligibility criteria for business entities:

you are a legal entity duly registered in your jurisdiction;
you have provided us, in form and substance satisfactory to us, with a current trade licence; any other sector specific licenses that you hold in the jurisdiction(s) in which you intend to use the Services and/or acquire End-Users; and a statement of your regulatory status in such jurisdiction(s) in connection with the services provided by you/the Developer App.
you provide proof of authorisation for the individual who will be registering and using the Services; and
you provide identification for the authorised person.

In order to register for the Services, you will need to provide us with certain information. Your registration for the Services may not be accepted if you do not provide us with the required information. We reserve the right to decline any registration without further explanation. We also reserve the right to undertake such checks as are necessary to verify your identity, as appropriate.

Once you have successfully completed registration, your registration shall continue for an indefinite period, subject to suspension or termination in accordance with clause 11 of these Terms of Use.

Telecommunications Provider Terms

Some of the Services may be available to you through a compatible desktop or mobile device, which may require Internet access and/or additional software to be installed. You acknowledge and agree that you are solely responsible for these technical requirements, including but not limited to:

any applicable charges, updates and/or additional fees imposed by your telecommunications provider; and
using the Services in compliance with the terms of your agreement with your telecommunications provider.

You also acknowledge that we make no warranties or representations of any kind, express, statutory or implied, as to:

whether the telecommunications services from your provider will be available and accessible at any time or from any location; and
using the Services in compliance with the terms of your agreement with your telecommunications provider.

You also acknowledge that we make no warranties or representations of any kind, express, statutory or implied, as to:

whether the telecommunications services from your provider will be available and accessible at any time or from any location; and
the failure of the telecommunications services to transmit any data, communications or settings in connection with the Services.

Your Obligation

When using or accessing the Services, you agree that you, your business, your employees, your service providers, and any others acting on your behalf:

re responsible for maintaining the confidentiality of, and restricting access to and use of your account, password and API authentication credentials, and accept responsibility for all activities that occur under your account and password;
agree to immediately notify us of any unauthorized use of your password, account or API authentication credentials or any other breach of security;
will provide at all times true, accurate, current and complete information about yourself and your use of the Services as required by us;
will cooperate with our requests for information with respect to your eligibility and usage of our Services; and
are responsible for informing End Users of the applicable terms pertaining to the Services and obtaining End User’s written consent to such terms including, for the avoidance of doubt, the End User’s written acknowledgement that their use of the Services may prejudice their rights and legal position under the terms and conditions of any bank or financial institution that is accessed during the provision of ay Service.

You agree that your systems and application(s) must handle End User Data securely. With respect to End User Data, you agree that you, your business, your employees, your service providers, and any others acting on your behalf will follow Good Industry Practice (as defined below) and, at a minimum, must perform the following:

maintain best practice with respect to administrative, technical, and physical safeguards that are designed to ensure the security, privacy, and confidentiality of End User Data;
use modern and industry standard cryptography when storing or transmitting any End User Data;
maintain reasonable access controls to ensure that only authorized individuals that have a business need have access to any End User Data;
monitor your systems for any unauthorized access;
fix system vulnerabilities in a timely fashion;
log and review any events suggesting unauthorized access;
plan for and respond to security incidents;
comply with relevant legislation, rules and regulations with regard to the type of data you are collecting, processing and/or storing; and
specify to End-Users the manner in which End User Data will be used, processed, handled, stored, and/or deleted and obtain the written consent from each End User to use, process, handle, stored, and/or delete their End User Data in the manner prescribed;

“Good Industry Practice” means the degree of skill, diligence, prudence and foresight which would ordinarily be expected to be observed by a skilled and experienced professional entity of international repute engaged in the same or similar type of undertaking as that of you under the same or similar circumstances.

When using or accessing the Services, you agree that you, your business, your employees, your service providers, and any others acting on your behalf will not:

breach or circumvent any laws, third party rights or our systems, policies or determinations of your account status;
use our Services if you no longer fulfill the eligibility criteria or are not able to form legally binding contracts, or are temporarily or indefinitely suspended from using our Services;
use End User Data or other contact information provided to you during the course of a transaction on the Service to solicit additional sales offline or on another website;
take any action that may undermine the Service’s feedback and ratings systems;
transfer your account to another party without our prior written consent;
distribute or post spam, unsolicited or bulk electronic communications or similar;
distribute viruses or any other technologies that may harm our Services or the interests or property of third parties;
Infringe:
i. the copyright, trademark, patent, publicity, moral, database, and/or other intellectual property rights (collectively, “Intellectual Property Rights”) that belong to or are licensed to us; or
ii. any Intellectual Property Rights that belong to third parties;
harvest or otherwise collect information about End Users or other Developers without their consent;
circumvent any technical measures we use to provide the Services;
use, or attempt to use, any robot, spider, scraper, web crawler, deep link or other similar data gathering or extraction tools, program, algorithm or methodology to access, acquire, replicate, copy or monitor our website, Service or any portion of them;
use, or attempt to use, any engine, software, tool, agent, or other device or mechanism to navigate or search the Service, other than the search engines available through the Service;
attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Service for any purpose other than those provided for by us and in conjunction with the operation of the Service;
with respect to End User Data:
i. sell and/or rent End User Data;
ii. use the End User Data in an unlawful or infringing manner; and
iii. collect and store End User Data other than as required to access or use the Services, save where such collection and storage is authorised by the End User, or is permitted by us or applicable law;
overload, flood, or spam any part of the Service;
create developer accounts for the Service by any means other than our publicly-supported interfaces; or
access or use the Service in a manner that violates any agreement between you or the End User and us.

Intellectual Property Rights

Except for the rights expressly granted under these Terms of Use:

all content included as part of the Services, including but not limited to text, graphics, logos, images, audio clips, digital downloads and software is our property or the property of our licensors. We (or our licensors, as the case may be) retain all rights, title and interest in and to the Services, including, without limitation, all intellectual property rights therein; and
all rights, title and interest in and to any performance data or feedback that you provide in connection with your use of the Services, including all intellectual property rights therein, will become our property.

Subject to clause 6.3, we hereby grant you a personal, non-exclusive, non-assignable, non-transferable, non-sub-licensable, revocable license to install and use our Services on any device (which shall include future updates made available to you from time to time provided you understand that such updates may be subject to additional terms notified to you at the time that such update is made available), subject to your compliance with these Terms of Use. You agree that access to the Service is personal to you, and no third party has any right to use it. We have the right to disable your access to our Services if in our sole opinion you have failed to comply with any of the provisions of these Terms of Use or Legal Documents.

shall use the Services solely for the purposes that are permitted by and as contemplated by these Terms of Use. Without limiting any other provision of these Terms of Use, you agree that you shall not, either directly or indirectly:

disseminate, market, license, sublicense, sell, resell, lease, transfer, assign, distribute, time share, let, rent, or sub-authorize any element of the Services;
modify, translate, reverse engineer, decrypt, decompile, decode, disassemble, or create derivative works based on our APIs;
breach, override or otherwise circumvent any authentication or security mechanisms or other use restrictions that are built into the Services;
remove or delete any notices, ownership labels, classified legends or marks from the Services;
engage in any action with the Services that destroys or accesses in an unlawful manner the server networks, connections, systems, records, or other assets, tools or services of the DAPI or any related third party;
transmit any worms, viruses, Trojan horses, or any other malware, disruptive or harmful software or data through your access to and use of the Services;
use the Services or any part thereof for any unlawful or fraudulent purpose or otherwise in any way not permitted by these Terms of Use;
obtain or try to obtain or register for itself anywhere in the world any of our Intellectual Property Rights; or
mislead, confuse, or cause misapprehension or confusion among other End Users as to the features, functionality, origin, or other aspects of our APIs, the Services or our Intellectual Property Rights.
in your engagement with End Users, promote or use practices to discourage End Users from using the Services or which discriminate against us.

You agree that you have no right to use any trademark we hold, or may hold in the future, without our prior written consent.

All rights not expressly granted to you in these Terms of Use are reserved and retained by us or our licensors.

In the event that any of our Intellectual Property Rights vest in you, you hereby assign (or shall use reasonable endeavors to assign or procure the assignment) to us all right, title and interest in and to such Intellectual Property Rights.

You represent and warrant that the Developer App and any part thereof including the title, description and content, does not infringe any rights of third parties.

CONFIDENTIAL INFORMATION

For the purposes of these Terms of Use, “Confidential Information” means either party’s (or an End User’s) non-public, confidential, secret or proprietary material and information that has been or may be, directly or indirectly, disclosed to the other party or which the other party has come into the possession or knowledge of, whether in verbal, written, graphic, electronic or other form, in connection with or as a result of entering into these Terms of Use and using the Services.

Each party will maintain the confidentiality of all Confidential Information a party may provide the other party or which you receive as a result of your use of the Services and each party will not release, disclose, use, make available or copy any such Confidential Information without the other party’s prior written consent. Each party may disclose Confidential Information to its employees, agents or subcontractors on a need-to-know basis only. Each party will take reasonable precautions to protect the confidentiality of such Confidential Information. Excluded from this obligation of confidentiality is Confidential Information which:

is known or becomes known to the other party directly or indirectly from a third party source not having an obligation of confidentiality to either party;
becomes publicly known or otherwise ceases to be secret, proprietary or confidential, except through either party’s breach of these Terms of Use;
is independently developed by each party; or
is required to be disclosed by a government authority or by law, provided that the disclosing party gives the other party reasonable prior written notice sufficient to permit non-disclosing party to contest such disclosure.

The obligations with respect to Confidential Information shall survive the termination of these Terms of Use.

DATA PROTECTION AND SECURITY

In respect of any personal data processed as part of the usage of your Developer App (“End User Data”), you warrant and undertake that you:

have complied, continue to comply and shall in future comply with all data protection laws with respect to your collection, usage, and storage of the End User Data;
have obtained and shall in future obtain, any necessary consents required for the processing of End User Data;
have given, and shall in future give, any necessary notices to the End Users with respect to your collection and usage of the End User Data; and
otherwise have a legitimate ground to process the End User Data as contemplated hereunder.

You acknowledge that we may be required to comply with security standards imposed by banks, card schemes, regulators and payment processors, and, where applicable, you agree to comply and immediately implement any relevant security standards required by us and communicated to you from time to time.

You will treat any End User Data as highly confidential information. You shall:

notify us as soon as reasonably possible and, in any event, no later than five business days after you learn of any misappropriation or unauthorized access to, or disclosure or use of, the End User Data, the Developer Apps or the Services (collectively, “Security Breaches”);
investigate each Security Breach that you become aware of or have reason to suspect as soon as reasonably possible and, in any event, no later than five business days of becoming aware or having reason to suspect such Security Breach has occurred, and, in the case of an actual Security Breach, provide assistance to us in connection with any reasonable investigation that we may desire to conduct with respect to such Security Breach;
notify a competent authority of any Security Breach whenever required to do so (and within the period specified) under applicable law; and
implement any steps requested by us to limit, stop or otherwise remedy any actual or suspected Security Breach.

You will be fully responsible for any authorized or unauthorized collection, storage, disclosure and use of, and access to, by any third party, any End User Data

LIABILITY & INDEMNITIES

Nothing in these Terms of Use shall limit or exclude a party’s liability:

for fraud, including fraudulent misrepresentation, perpetrated by that party;
for death or personal injury caused by the negligence of that party; or
for any other liability that cannot be limited or excluded under applicable law.

Subject to clause 10.1, in no event will we, our parent company, subsidiaries and affiliates, and our and their directors, officers, agents, employees, suppliers, subcontractors or licensors be liable, whether based on an action or claim in contract, tort, negligence, breach of statutory duty or otherwise, even if foreseeable, arising out of or in relation to these Terms of Use for loss of profits, sales, business or revenue, loss of data or information, loss of anticipated savings, loss of business opportunity, goodwill or reputation, business interruption or other pecuniary loss or for any special, indirect, incidental or consequential damages, even if we, our affiliates, directors, officers, agents, employees, licensors, subcontractors or suppliers have been advised of the possibility of such damages.

In addition, to the extent permitted by applicable law, we (including our parent company, subsidiaries and affiliates and our and their directors, officers, agents, employee, suppliers, subcontractors or licensors) are not liable, and you agree not to hold us responsible, for any damages or losses resulting directly or indirectly from:

the information you provide when using the Services;
your use of or your inability to use our Services;
guidance provided by us;
delays or disruptions in our Services;
viruses or other malicious software, including, without limitation, Trojans, worms, logic bombs, obtained by accessing or linking to our Services;
bugs, errors or inaccuracies of any kind in our Services;
damage to your hardware device from the use of products sold or made available on the Service or our Services;
the content, actions or inactions of third parties using our Services;
a suspension or other action taken by us with respect to your use of the Services; or
your need to modify practices, content or behaviour or your loss of or inability to do business as a result of changes to these Terms of Use.

Subject to clause 10.1, if clauses 10.2 or 10.3 are held to be unenforceable or inapplicable for any reason, then the total liability applicable to us, our parent company, subsidiaries and affiliates and our and their directors, officers, agents, employee, suppliers, subcontractors or licensors, to you, whether based on an action or claim in contract, negligence or breach of statutory duty or otherwise, arising out of or in relation to these Terms of Use shall be limited to US$500.

You agree to indemnify and hold us, our parent company, subsidiaries and affiliates and our and their directors, officers, agents, employee, suppliers, subcontractors or licensors harmless from and against any losses, damages and expenses (including legal fees) arising out of or relating to:

any claims or demands made by any third party, including an End User, regulator or government authority, due to or arising out of your use of the Services;
your violation of any of provisions of these Terms of Use, including, without limitation, any of the warranties, representations and undertakings;
your violation of any applicable laws, including, without limitation, data protection or anti-spam laws; or
the manner in which you use our Services, including, without limitation, that your trademarks infringe the Intellectual Property Rights of any third party or that your use of the Service violates any other rights (including privacy rights) of any third party (including other End Users).

WARRANTIES, REPRESENTATIONS & UNDERTAKINGS

You warrant, represent and undertake that:

ou shall fully comply and will at all times continue to fully comply with all applicable laws, statutes and regulations, including, without limitation, all privacy laws legislation and content regulation;
you have full power and authority to enter into these Terms of Use and the execution and performance of your obligations under these Terms of Use does not conflict with:
a. any laws, rules, regulations or governmental guidelines to which you are subject to; or
b. any other agreements to which you are a party to or to which you are otherwise bound by;
if you create or use an account on behalf of a business entity, you represent that you are authorised to act on behalf of such business and bind the business to these Terms of Use. Such account is deemed to be owned and controlled by the business entity;
any information that you provide us with is accurate, up-to-date and complete and you are authorised to provide us with any financial information (e.g. card details);
you own or have the authority to grant the rights and licences granted to us by you under these Terms of Use; and
any content you submit as part of your use of the Services and any products that you list do not violate the rights of any third party anywhere in the world including, without limitation, any Intellectual Property Rights (whether registered or not).

Subject to clause 9.1, the Services are provided to you on an “as is” basis without representations, warranties or conditions of any kind. We disclaim all warranties, conditions and representations of any kind, whether express, implied or collateral, including, but not limited to, all conditions, representations or warranties of merchantability, of fitness for a particular or general purpose, of non-infringement, of compatibility or that the Services are secure or error free or will operate without interruption or will be provided in a timely or proper manner or at all.

SUSPENSION & TERMINATION OF YOUR MEMBERSHIP

Without prejudice to any of our rights and remedies and without any liability to you, we may terminate, limit, suspend or withdraw your access to the Services (effective immediately) and/or remove hosted content submitted by you if:

we consider, at our sole discretion that you have breached these Terms of Use in any manner whatsoever;
we are required to do so by law (including if we receive a written request by a regulator to cease provision of the Services to you); or
there are objectively justified and duly evidenced reasons.

Once you stop using the Services in accordance with any agreement you may have with us, you may terminate your account. We may also terminate your account if:

you have ceased using the Services for three (3) consecutive months;
your agreement with us has expired or been terminated; or
we are required to do so by applicable law or a regulator.

After such termination of an account, we may de-provision your access to all End User Data associated with your integration.

comply with your obligations under clause 7; and
promptly deliver to us, upon our request, all Confidential Information together with any other data, books, papers, materials and other related property relating to us or relating to these Terms of Use that are in your possession or under your control. No copies of the foregoing items may be retained by you for record purposes, except as required by applicable law.

REPORTING VIOLATIONS OF THESE TERMS OF USE

Our Services may include information and materials uploaded by other users of the Services. This information and these materials have not been verified or approved by us. The views expressed by other users of our Services do not represent our views or values.
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We are committed to ensuring that listed items and content on our Site comply with these Terms of Use. If you believe that a listed item or content breaches these Terms of Use, please notify us on the details in clause 13.12 and we will investigate.

We are not responsible for any complaints or disputes about products and/or services provided by any application or third party through which you accessed our Services. You should settle these complaints or disputes with the application provider or third party directly.

You shall notify us in writing within seven (7) days of any complaints you receive from End Users that relate to your use of the Services including with respect to any actual or alleged unauthorized transactions.

GENERAL

‍Governing Law: This Agreement shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any legal actions, suits, or proceedings arising out of or relating to this Agreement shall be brought exclusively in the state and federal courts located in San Francisco, California.
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Dispute Resolution: If the dispute is not resolved through mediation within 60 days of the initiation of such procedure, or if either party will not participate in mediation, the dispute shall be settled by binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association. The arbitration shall be conducted in San Francisco, California, before a single arbitrator.

Third Party Rights: A person who is not a party to these Terms of Use has no right to enforce any of its term.

‍Relationship of the Parties: Nothing contained in these Terms of Use will be deemed or construed by the parties or any third party to create the relationship of partnership or joint venture between the parties, it being understood that the parties will at all times remain independent parties contracting for Services.

‍Further Assurances: The parties will do and execute or arrange for the doing and executing of each necessary act, document and thing reasonably within its power to implement and give effect to these Terms of Use to its full extent, including, without limitation, assisting each other in complying with applicable law.

‍Assignment: These Terms of Use will be binding upon and enure to the benefit of the parties and their respective successors and permitted assigns. You agree that you will not assign or transfer these Terms of Use or any of your rights or obligations under these Terms of Use, whether directly or indirectly, without first obtaining our prior written consent, such consent not to be unreasonably withheld.

‍Entire Agreement: These Terms of Use and the documents referred to or incorporated herein by reference contain the entire agreement between the parties with respect to the subject matter and supersede all prior agreements, negotiations and representations, written or oral, relating to its subject matter. Except as provided in these Terms of Use and the documents referred to or incorporated into these Terms of Use by reference, there are no conditions, representations, warranties, undertakings or agreements between the parties whether direct, indirect, collateral, express or implied.

Amendment: These Terms of Use cannot be modified, varied, amended or supplemented in any way by you. We reserve the right to modify, vary, amend or supplement these Terms of Use at any time and from time to time. We will post the current version of these Terms of Use on the Site and each such change will be effective upon posting on the Site or upon the date designated by us as the “effective date” (if any). Your continued use of the Services following any such change constitutes your agreement to be bound by and its acceptance of these Terms of Use as so modified.

‍Severability: If any provision of these Terms of Use is determined by any court of competent jurisdiction to be invalid, illegal or unenforceable, that provision will be severed from these Terms of Use and the remaining provisions will continue in full force and effect so long as the economic or legal substance of the transactions contemplated hereby is not affected in any manner materially adverse to either of the parties.

‍Force Majeure: Neither party will be liable for any loss or damage or for any delay or failure in performance due to acts beyond the control of such party whether or not such acts could reasonably be anticipated (including without limitation acts of God, legislative, judicial or regulatory acts of any provincial or the federal government, court or regulatory authority, acts of any of our subcontractors or any third party providers of goods or services to us, labour disruptions, blackouts, embargoes, epidemics, pandemics).
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‍No Waiver: Any waiver by us of any of the provisions of these Terms of Use will not constitute a waiver of any other provision (whether similar or not), nor will any such waiver constitute a continuing waiver of that particular provision, unless expressly provided by us in writing.

‍Communications: These Terms of Use are issued and concluded in English. Communications between us will be in English and will be conducted by letter, phone or email using the most recent details that you have provided to us. You may contact us at the below details:
Address: 14-101, Al Khatem Tower, Abu Dhabi Global Market Sq. United Arab Emirates
Email: hello@dapi.co

‍Survival: The following clauses, and provisions referred to by such clauses, shall survive the termination or expiry of these Terms of Use together with any other provisions which by their nature or are expressed to survive the expiry or termination or are intended or required to give effect to the expiration or termination of these Terms of Use: clauses 6 (Intellectual Property Rights), 7 (Confidential Information), 8 (Data Protection and Security) 9 (Warranties, Representations and Undertakings), 10 (Liability and Indemnities), 11 (Suspension and Termination of your Membership), and 13 (General).

‍Professional Advice: Any information or data contained in or made available through the Services is provided for informational purposes only. Such information or data is not a substitute for the services of qualified professionals. We do not give professional advice and are not in the business of providing legal, financial, accounting, taxation or other professional services or advice. You should take independent financial or other advice from a qualified professional regarding any information or data contained in or made available through the Services.

‍Export Restrictions: The Services may be subject to the export control laws of, trading embargoes or other trading restrictions imposed by the United States, United Kingdom, European Union and/or the United Nations. You acknowledge that none of the Services may be downloaded or otherwise exported or re-exported, directly or indirectly into any countries that are subject to U.S., UK, EU, United Nations sanctions or other sanctions applicable to the export or re-export of goods and/or service.

‍Audit: We shall have the right to audit your compliance with these Terms of Use on giving fourteen (14) days’ written notice to you, unless such audit is required:

1. for reasons of actual or suspected fraud, criminal activity or failure to comply with applicable law;
2. by a regulator; or
3. for reasons of actual or suspected non-compliance by you with your security obligations under these Terms of Use,

in which case such audits may be at any time and without restriction.

Information

Our two financial APIs let fintech apps process the following types of information:

personal information: name, date of birth, full address(es), email address, phone number, gender;
payment account information:
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i. account type (e.g. current, saving, investment, credit card);
ii. account name;
iii. IBAN, account number, sort code, SWIFT;
iv. currency;
v. account balance information;
vi. current balance;
vii. available balance (credit cards);
viii. overdraft balance;
ix. interest rate;
x. payment due date (credit cards);
xi. next closing date (credit cards);
xii. minimum payment due (credit cards);
xiii. information on transactions;
xiv. Time;
xv. Description;
xvi. amount; and
xvii. metadata (arbitrary data that banks associate with a transaction e.g. category).

If you have any questions about this information or how it is used, please see our privacy policy which is available at here