Terms & conditions
Last updated March 18, 2022
Please read these terms and conditions (the “Terms”) and the privacy policy (“Privacy Policy”) very carefully. The Terms tell you the rules for using the Moneycast platform (“Platform”), which refers to both our website https://moneycast.ai (the “Site”) and the mobile and web application (the “App”).
These Terms set forth the legally binding terms and conditions that govern your use of the Platform. By accessing or using the Platform, you are accepting these Terms and the Privacy Policy (on behalf of yourself or the entity that you represent), and you represent and warrant that you have the right, authority, and capacity to enter into these Terms (on behalf of yourself or the entity that you represent). If you do not agree with all of the provisions of these Terms or the Privacy Policy, do not access and/or use the Platform.
Moneycast may make changes to the Terms, the Privacy Policy and/or to the way we operate the Platform and the Service from time to time. Each time you wish to use the Platform, please check the Terms to ensure you understand the terms that apply at that time. If you do not agree to any changes made to them, do not access and/or use the Platform. We recommend that you download a copy of our Terms for future reference.
We are Moneycast, trading as LawDeck Ltd (referred to as “we” or “us” or “our” “LawDeck” or “Moneycast”), a company incorporated and registered in England and Wales with company number 08442448 whose registered office is at 86-90 Paul Street, London, EC2A 4NE.
Moneycast is an analytics app that enables registered users (“users”, “customers” or “you”) to conduct financial analyses and receive tailored reports based on business spending. Consequently, Moneycast is regulated by the Financial Conduct Authority (the “FCA”) with the Firm Reference Number 730503.
Ownership
Moneycast owns all rights, title and interest in the Platform and our proprietary technology, including our software (in source and object forms), algorithms, user interface designs, architecture, and documentation (both printed and electronic), network designs, know-how, and trade secrets, and including any modifications, improvements, and derivative work thereof.
Moneycast has the right, at any time, to amend our operating procedures and service level agreements, effective immediately following notification of such amendments to you. These Terms do not transfer from us to you any licence or ownership rights in the Platform or our proprietary technology. You may only use the Platform for the receipt and use of the Service and in a manner consistent with these Terms.
The Services
Moneycast presents users with their financial data to allow them to better manage their business banking and spending. To provide this, Moneycast takes advantage of Artificial Intelligence (AI) and Machine Learning (ML), as well as API technology and cloud computing. These services are either independently or collectively recognised as the 'Service'.
When you register for an account on the Platform, you permit Moneycast to collect information about your account transactions and present this to you through the creation of new or modified content to help you understand and manage your financial data. We do not check the accuracy of that information nor whether it is up to date. Accordingly, we make no warranty that our Service will be uninterrupted, timely or error free; or that the information presented (including any category tags applied by Moneycast) will be accurate or reliable. This means that you should not exclusively rely on such information when making decisions about your finances.
We do not offer advice about financial products or investments. If you are not sure whether a product or service is suitable, which you may discover through the Platform, we recommend that you seek advice from a financial advisor. We are independent and support your own decision making. We do not promote any product or sponsored content to you directly in preference of any other service.
We may use sub-contractors to deliver some or all of the Service. We carefully select the sub-contractors that we use and they have agreed to follow our instructions and our data privacy requirements.
Suspension of Access
We are entitled to suspend your access to the Platform and/or otherwise restrict functionality if you are in breach of these Terms. In all such cases we will, to the extent permitted under Applicable Law, provide you with reasonable notice in advance of taking these steps. However, we may suspend your access to the Platform and/or otherwise restrict functionality without notice if you are using the Service in a manner that could cause us legal liability or disrupt other users’ ability to access and use the Service. Any suspension or restriction shall continue for such a period as we shall reasonably determine to be necessary.
Equipment
You must provide and/or obtain any equipment or telecommunications lines and links that may be necessary for you to use the Platform, and you acknowledge that certain software and equipment used by you may not be capable of supporting certain features of the Platform. You should also ensure any device used to connect with the Platform contains adequate anti-virus protection and appropriate firewall protections to prevent unauthorised access and use. Moneycast reserves the right to upgrade the functionality of the Service from time to time. This may require you to update, at your own cost, the functionality of other compatible software in order to ensure compatibility with the Platform. For the avoidance of doubt, we are not responsible for providing you with any equipment or telecommunications lines and links that may be necessary for you to use the Platform.
Confidential Information
Each party (both you and us) agrees that it (i) will neither use in any way, for its own account or the account of any third party, except as expressly permitted by, or required to enable it to perform its obligations under these Terms, nor disclose to any third party (except as required by Applicable Law or to that party’s advisors as reasonably necessary, provided in all cases that such third party recipients are bound by confidentiality undertakings at least as strict as those set out herein), any of the other party’s Confidential Information, and (ii) will take reasonable precautions to protect the confidentiality of such information, which precautions shall be at least as stringent as those it takes to protect its own Confidential Information. In addition, each party may reveal the other party’s Confidential Information to its agents, representatives and employees who have a “need to know” such information in connection with these Terms, who are informed of the confidential nature of such Confidential Information, and who shall agree in writing to act in accordance with the terms and conditions of this section. Each party agrees that the obligations under this section will survive any expiration or termination of these Terms.
For the purpose of these Terms and this paragraph, Confidential Information means information in whatever form (including, without limitation, in written, oral, visual or electronic form or on any magnetic or optical disk or memory and wherever located) relating to the transactions processed hereunder, business, customers, products, affairs and finances of either party hereto and trade secrets including, without limitation, technical data and know-how relating to the business of either party or any of its suppliers, customers, agents, distributors, shareholders, management or business contacts.
Identity
By accessing or using the Platform, you represent and warrant that you have the right, authority, and capacity to enter into these Terms (on behalf of yourself or the entity that you represent). You further confirm you are over 18 years of age, that you can enter into a legally binding contract with us and all the information you have provided to us is accurate and correct and you are the person whose details you have provided.
Customer Due Diligence
We may conduct searches through an identity-referencing agency and through other sources of information and use scoring methods both to allow us to provide you with the Service and to assess our risks in doing so, including credit standing and compliance with all KYC/CDD requirements. A record of this process will be kept and may be used by Moneycast, or its subsidiary or parent companies, to similarly provide you with services and to assess our risks in doing so. Information may also be passed to other organisations or persons to prevent fraud. Additionally, information may be passed to governmental, regulatory or judicial organisations to prevent fraud or financial crime where we consider it appropriate.
Fees
Moneycast provides the Service to you free of charge. We do not charge any fees for our Inform product, which is a tailored spend report on your business. Additional “premium” services may be available to customers at a later date, but these will be optional services.
Indemnification
You agree to indemnify Moneycast (and its officers, employees, and agents), including costs and attorneys’ fees, from any claim or demand made by any third party due to or arising out of (a) your use of the Platform, (b) your violation of these Terms, or (c) your violation of applicable laws or regulations. Moneycast reserves the right, at your expense, to assume the exclusive defence and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defence of these claims. You agree not to settle any matter without the prior written our consent. We will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it.
Disclaimers
The Platform is provided on an “as-is” and “as available” basis, and, to the extent permitted by applicable law, Moneycast (and our suppliers) expressly disclaim any and all warranties and conditions of any kind, whether express, implied, or statutory, including all warranties or conditions of merchantability, fitness for a particular purpose, title, quiet enjoyment, accuracy, or non-infringement. We (and our suppliers) make no warranty that the Platform will meet your requirements, will be available on an uninterrupted, timely, secure, or error-free basis, or will be accurate, reliable, free of viruses or other harmful code, complete, legal, or safe.
Limitation on Liability
To the maximum extent permitted by law, in no event shall Moneycast (or our suppliers) be liable to you or any third party for any lost profits, lost data, costs of procurement of substitute products, or any indirect, consequential, exemplary, incidental, special or punitive damages arising from or relating to these Terms or your use of, or inability to use, the Platform, even if Moneycast has been advised of the possibility of such damages. Access to, and use of, the Platform is at your own discretion and risk, and you will be solely responsible for any damage to your device or computer system, or loss of data resulting therefrom
To the maximum extent permitted by law, our liability to you for any damages arising from or related to these Terms (for any cause whatsoever and regardless of the form of the action), will at all times be limited to a maximum of fifty pounds sterling (GBP 50). The existence of more than one claim will not enlarge this limit. You agree that our suppliers will have no liability of any kind arising from or relating to these Terms.
Force Majeure
We are not responsible for delays or deficiencies in functionality or performance that we reasonably cannot anticipate or that in otherwise are caused by circumstances outside our reasonable control (force majeure), including but not limited to events such as fire, flooding, explosion, riot, acts of war, hurricane, sabotage, acts of terrorism, vandalism, accidents, epidemic disease, government or governmental authority action, court injunction, strike or other similar events that may arise despite Moneycast’s reasonable effort to prevent, avoid, delay or mitigate effects of such events.
Term and Termination
Subject to this section, these Terms will remain in full force and effect while you use the Platform. We may suspend or terminate your rights to use the Platform at any time for any reason at our sole discretion, including for any use of the Platform in violation of these Terms. Upon termination of your rights under these Terms, your account and right to access and use the Platform will terminate immediately. You understand that any termination of your account may involve deletion of your data associated with your account from our live databases. Moneycast will not have any liability whatsoever to you for any termination of your rights under these Terms.
Complaints
If you have a complaint about Moneycast, the Platform and/or the Service, please use the contact details below so we can investigate the circumstances for you. We will aim to deal quickly and fairly with any complaints.
If your complaint relates to Moneycast, the Platform and/or the Service, and we do not resolve it, you may be able to refer it to the UK Financial Ombudsman Service. You can contact the UK Financial Ombudsman by telephone on: from inside the UK: 0300 123 9123 or 0800 023 4567; from other countries: +44 20 7964 0500 on Monday to Friday, 8am to 8pm and on Saturday 9am to 1pm; by post at The Financial Ombudsman Service, Exchange Tower, London E14 9SR; or by email: complaint.info@financial-ombudsman.org.uk. The UK Financial Ombudsman Service is also available in a number of different languages and if you need it you will be put in touch with a translator when you contact the UK Financial Ombudsman Service.
Contact Information
If you wish to contact us in writing, or if these Terms require you to give notice to us in writing, please contact us at:
Address: Moneycast, 86-90 Paul Street, London, EC2A 4NE
Email: customer-support@moneycast.ai
