Terms & Conditions

1. Agreement to Terms

By accessing and using My Card Spend services, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.

2. Description of Service

My Card Spend is a financial management platform that provides:

• Credit score monitoring and improvement guidance
• Transaction categorization and spending analysis
• Financial insights and budgeting tools
• Open Banking integration for account aggregation
• Personalized financial recommendations

3. Eligibility

To use our services, you must:

• Be at least 18 years old
• Be a UK resident
• Have a valid UK bank account
• Provide accurate and complete information
• Comply with all applicable laws and regulations

4. Account Registration

When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and update your information as needed
• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

5. Open Banking Consent

By using our Open Banking features, you consent to:

• Access to your account information from connected banks
• Processing of your transaction data for service provision
• Sharing data with authorized third-party providers
• Storage and analysis of your financial information

You can withdraw this consent at any time through your account settings.

6. Prohibited Uses

You may not use our services to:

• Violate any laws or regulations
• Impersonate another person or entity
• Transmit malicious code or viruses
• Attempt to gain unauthorized access to our systems
• Use the service for fraudulent activities
• Share your account with others

7. Service Availability

We strive to maintain service availability but cannot guarantee uninterrupted access. We may suspend or terminate services for maintenance, updates, or other operational reasons with reasonable notice when possible.

8. Limitation of Liability

My Card Spend provides information and tools for financial management but does not provide financial advice. We are not liable for financial decisions made based on our services. Our liability is limited to the maximum extent permitted by UK law.

9. Termination

Either party may terminate this agreement at any time. Upon termination, your access to the service will cease, and we will delete your data in accordance with our Privacy Policy and legal requirements.

10. Governing Law

These terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

11. Contact Information

For questions about these Terms and Conditions, please contact us: