Important: by accessing and / or using the Services (defined below), you accept the following terms and conditions. If you do not agree to these terms and conditions, please do not access the Services.
If you are accessing or using the Services for your own personal use, you confirm that you are not a minor and that you can form a binding contract with us under the applicable laws of your jurisdiction.
Paylow systems Ltd., and its affiliates, including but not limited to Paylow Systems UK Ltd. ("Company", "Paylow", "we", "us" or "our") owns and operates an online platform and provides related support services (collectively, "Services") which you can access and/or use through the Paylow website available at www.paylow.app or through an app-like quick access shortcut which you can download to your computer or mobile device. We can be contacted via email at office@paylow.app or through the live chat in our app-like quick access shortcut.
Subject to these terms and conditions, we grant you, and you accept, a personal, non-exclusive, non-transferable, non-assignable, non-sublicensable, revocable, limited license to access and make non-commercial use of the Services.
Our Services enables you to control and optimise your subscription payments and other financial transactions, obligations and rights. Our Services include tools to:
if applicable, view and track financial, social, or other benefits you are entitled to under your employment position and its status or under the jurisdiction of your residence or citizenship.
While Paylow aims to facilitate a seamless switching experience, you are responsible for confirming the cancellation of your previous service. We recommend contacting your previous provider to avoid any potential overlaps or charges.
We use a tool provided by Moneyhub Financial Technology Ltd. (“Moneyhub”) to gain access to your bank account information.
Moneyhub is authorised and regulated by the Financial Conduct Authority in the United Kingdom as a Payment Institution, and is registered with the Information Commissioner. We act as Moneyhub’s EMD Agent, which means that we can access and show you your account information on behalf of Moneyhub.
Moneyhub’s terms and conditions apply when you ask us to access your bank account information. Their terms are available at www.moneyhub.com.
In using our Services you agree that Moneyhub can access and view your bank account information and you accept their terms and conditions.
To check out Moneyhub’s details, you can visit the Financial Conduct Authority website www.fca.org.uk or by contacting the Financial Conduct Authority on 0800 111 6768. The FCA's address is 12 Endeavour Square, London, E20 1JN.
To use our Services, you need to create an account with us (your "Paylow account") and authorise us to access and import your bank account information, including your transactions. You have to be at least 18 to do this. Only you can use your own Paylow account and you must notify us immediately if you suspect any unauthorised access or use of your Paylow account using the contact details set out above in "About Paylow".
You must always keep any device used to access your Paylow account secure and not share them with anyone, including with anyone you have a joint bank account with. You must also make sure that only biometric information (such as your fingerprint when using Touch ID) relating to you is registered on any devices you use to access your Paylow account. We will never phone, text or email you asking for your Paylow account login details.
The terms and conditions you have with banks and payment service providers for your accounts should allow you to share your online login details with Moneyhub, who will in turn share them with us. If not, you should check that they are happy for you to share this information with Moneyhub and us.
If any of the accounts you add are joint accounts, you need to make sure you have informed the other account holder(s) how this information will be used, and that they have authorised you to consent to this on their behalf.
When you create a Paylow account, or otherwise access and/or use the Services, or any part of it, you agree to the terms and conditions of this Terms of Use. These terms govern your use of the Services .
References to "you" in the Terms means you or, if you choose to view information from a joint back account, you and any other individuals named on that bank account.
Your right to access and use our Services is personal to you and is not transferable.
Please note that in order to use of the Services, you will be redirected to a third-party banking or financial service provider and will be requested to authorise the transfer of personally identifiable information from you bank and credit card company account to the Company for the purpose of providing you with the Services.
Our privacy policy explains how we will use your personal information and sets out our rights and obligations in relation to relevant data protection laws. By agreeing to these terms, you also explicitly consent to us accessing, processing, and retaining any personal data we get as a result of providing the Service to you.
If you wish to end this agreement or withdraw consent for us to process your data, you can do so by contacting us, and we will stop using your data in this way. However, we may need to keep processing some of your data where the law requires us to do this, for example where we are legally required to keep records of transactions.
Moneyhub also has its own privacy policy which applies when you allow Moneyhub to access your bank account information. You should read their policy and make sure you agree to it before you allow them to access your bank account information.
We do not charge you for using the Services but we may receive commission payments from vendors, supplier and/or service providers we introduce you to. The type or amount of commission we receive does not impact the way we present and display the vendors, suppliers and/or service providers and their products to you.
Unless we expressly consent to you doing so, you agree not to do, or allow any third party to do, any of the following:
While we want you to be able to use Paylow whenever you want, occasionally repairs, updates and maintenance on our systems may mean some or all of our services will not be available for a while, or may mean our services are slow for a short time. If you suffer a loss because of this, we will not be responsible for that loss.
You acknowledge and agree that the Services, including without limitation any underlying data, software, platforms, algorithms, technology, design, UI, any information, services, texts, files, structure, "look and feel" and features, and any feedback, ideas, review and suggestions for improvement or other evaluation of the functions and performance of the Services you provide to us and any modifications, enhancements and derivatives thereof ("Company IPR") and all rights related thereto are the exclusive property of the Company and/or its licensors who retain all right, title and interest in connection therewith. No transfer or grant of any rights by Company is made, except for the limited license set forth in Section 1 above.
Importantly, by accessing and/or using the Services, you agree that your use of the Services and/or the Company IPR is at your own risk. the Services, as well as any other items provided or made available to you by Company, are provided and made available on an "as is" and "as available" basis and with all faults, without any representation, warranty, guarantee or condition of any kind whatsoever.
Although we will always try and give you the best service possible, we are not responsible for any loss or damage you suffer if we can not perform our obligations under this agreement because of any:
We will be responsible for any loss or damage you suffer if it is a predictable outcome of us breaching this agreement, or if we fail to protect your information and keep it secure as required by relevant law(s). We will also be responsible for any obligation we have breached if we can not limit or exclude that obligation as a matter of law.
Our Services may contain content provided by third parties and links to outside services and resources. We are not responsible for any consequences of you leaving our Services to visit external content and you should direct any concerns to the content provider. The third-party content we display on our Services is there for informational purposes and we do not create or produce it.
We may make changes or add to these Terms from time to time. We can change this agreement for a reason set out below. If we do change this agreement, the change we make will be a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect us:
If we make changes, we will let you know at least 30 days before we make the change by sending you an email or a message through your Paylow account. Your notice period will start from the date we let you know about the change.
If you are unhappy with the changes, you can close your Paylow account immediately and without any penalty until the end of the notice period. If you would like to close your account, please go to your Paylow account’s Settings page and activate the “delete account” feature. contact us before the day the changes take effect. If you do not let us know you want to close your account by then, we will assume that you have accepted the changes.
This agreement will continue until you or we end it.
You can end this agreement at any time without explanation or charge by contacting us using the contact details set out in "About Paylow".
We can end this agreement and your use of the service at any time without giving you a reason by giving you at least 30 days’ notice.
We can also immediately, without notice, suspend, restrict or stop your access and/or use of our Services if, in our sole discretion, any of the following occurs (or is likely to occur):
These Terms are governed by and construed in accordance with the laws of England and Wales. Any dispute that arises regarding this agreement will be dealt with by any court in the United Kingdom that is able to hear the case.
If you have any further questions or require further clarification, please contact us by sending an e-mail to: office@paylow.app.
If we need to contact you, we will normally do this via email. We will also get in touch with you in any other way that is personal to you. This may include SMS, online notifications or any other appropriate messaging service.
Please tell us if your name or contact details change, including any email addresses, mobile phone numbers or other contact details, so we can keep in touch. If you do not, we will not be responsible if you do not get any information or notices from us.
We want to provide you with the best service we possibly can, so if you have a suggestion for how we can improve, or you are disappointed with our service, we want to hear from you. Get in touch using the contact details set out in "Communicating with us".
We will try to resolve any issues to the best of our ability, but if you are not happy with our response and your complaint relates to our account aggregation service, you might be able to refer your complaint to the Financial Ombudsman using the contact details below.
Address: Financial Ombudsman Service, Harbour Exchange Tower, London E14 9SR
Telephone: 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk
We recommend that you print or download this agreement and keep a copy of it so you can look at it in the future. The most up to date version of this agreement is available on our website at https://www.paylow.app/terms-of-use.
Last updated: 13 February 2025
