Terms of Use

1.Our agreement

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.

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

By accessing or using the GoodBreach website, beta service, or applications, you confirm that you accept these Terms of Use and agree to be bound by them. If you do not agree, you must not use the Service. Users will be notified when FCA registration is complete and before any live financial integrations are enabled.

2.The Service

GoodBreach provides a personal finance insights and behavioural savings management service that helps you set goals, track progress, and receive personalised nudges and insights. During the beta phase, the Service is for informational and educational purposes only.

By using the Service, you confirm that you are at least 18 years old and a resident of the United Kingdom.

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.Access to the Service

Access to the Service will be through our app. Your use of the app remains subject to the terms of the app store from which you downloaded it (Google Play or Apple App Store). To the extent of any conflict, these Terms of Use take priority.

You must not allow anyone to access the Service on your behalf, and you must treat your security information as confidential.

4.Access to personal accounts

During the beta phase, you may manually provide or upload financial information to enable insights and behavioural recommendations. Once FCA registration as an agent of an authorised AISP 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.

You grant GoodBreach and its Trusted Collaborators a non-exclusive, royalty-free licence to use the financial information you provide solely to deliver and improve the Service. Aggregate or anonymised data may be created for analytical, research, or reporting purposes and will not personally identify you.

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. We do not verify the accuracy of information you provide; you confirm you are the lawful owner or authorised user of that data.

5.Your privacy and cookies

We use cookies and similar technologies to provide the Service. By using the Service, you agree to our Privacy Policy, which forms part of these Terms of Use. See our Privacy Policy for more information.

6.Your behaviour towards GoodBreach

You must not access, interfere with, damage, or disrupt any part of the Service, its security systems, servers, networks, or software, including introducing viruses, malware, spyware, or other harmful code.

You must not access the Service through unauthorised means, including automated tools, bots, scripts, crawlers, or scrapers (standard search-engine technologies excepted), nor modify the Service or represent any other product as associated with or endorsed by GoodBreach without written authorisation.

7.Third party packages and services

The Service may include links to third-party websites, applications, or features, provided for your information only. GoodBreach does not control, maintain, or endorse third-party services; your use of them is at your own risk.

8.Web data: charges and security

You are responsible for any data charges from your mobile or internet service providers in using the Service, and for configuring your own information technology and the security of your internet connection.

9.Our right to vary these Terms

We may update these Terms from time to time to comply with law or meet changing business requirements. Unless a change is made for legal or administrative reasons, we will provide reasonable advance notice before amended terms take effect. Continued use of the Service after the effective date constitutes your agreement to the amended terms.

10.Warranties

Your use of the Service is at your sole risk. The Service is provided on an "as is" and "as available" basis. We expressly disclaim all warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We make no warranty that the Service will meet your requirements; be uninterrupted, timely, secure, or error-free; that results will be accurate or reliable; or that any errors will be corrected.

11.Our liability

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 or negligence, but not for loss or damage that is not foreseeable.

The Service is provided for domestic and private use only; we have no liability for loss of profit, business, business interruption, or loss of business opportunity. We do not exclude or limit liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation.

We are not a financial adviser, and the Service is not intended to provide financial advice. Your financial situation is unique, and we make no representation that the Service is appropriate for you.

12.Indemnification

You agree to protect and fully compensate GoodBreach, our Trusted Collaborators, and affiliates from third-party claims, liability, damages, expenses, and costs (including reasonable solicitors' fees) arising from your use of the Service, your violation of these Terms, or your infringement of any intellectual property or other right.

13.Termination and suspension

Where we determine there has been a breach of these Terms, we may take action we deem appropriate, including immediate, temporary, or permanent withdrawal of your right to use the Service, issuing a warning, legal proceedings for reimbursement of costs, and disclosure to law enforcement authorities as reasonably necessary.

14.General provisions & applicable law

You may not assign or transfer your rights or obligations under these Terms; we may assign or transfer ours at any time. These Terms (together with our Privacy Policy) contain the entire agreement between the parties. If any provision is found invalid, the remaining provisions remain in full force and effect. Failure to exercise any right or remedy does not constitute a waiver.

15.Cancelling your account

You may cancel your user account at any time. Extended periods of inactivity may also result in cancellation or stored information being made unavailable. To cancel, email team@goodbreach.com with your primary email address.

16.Enquiries & complaints

If you have an enquiry or complaint about the Service, contact our customer services team via email at team@goodbreach.com, or write to GoodBreach Ltd, 943, 12 Baltimore Wharf, London, E14 9FG, UK.

Thank you for using the Service.