Terms & Conditions
We have created Cash Coach to give you the financial intelligence you need to manage your money in a smart way.
Cash Coach analyses your data to give you data-driven insights. We will use and process your data exclusively used for your benefit, and will not resell it to any third party.
The Service provided by Cash Coach consists in providing you financial account aggregation, data visualisation, benchmarking and personal
finance analytics based on your financial data.
Cash Coach Ltd is acting as an agent of TrueLayer, who is providing the regulated Account Information Service, and who is authorised by the FCA as an Authorised Payment Institution (reference number: 793171).
By using the Service, you agree that Cash Coach may, either directly or through our trusted third party providers “data providers”: TrueLayer Ltd “TrueLayer and Salt Edge Inc. including its subsidiary Salt Edge Limited ("Salt Edge"), access, process, aggregate and analyse information from one or more payment or financial accounts ("Connected Accounts") that you link to your Cash Coach account. By agreeing to these Terms of Service, you also agree to our data providers end user terms which are available here. To use the Service, you must link one or several payment/bank accounts to your Cash Coach account.
To link a financial account using “Open Banking”, we require your consent to access your financial data. You can revoke your consent at any time, and your consent will automatically expire after 3 months.
To link a financial account using “web-scraping”, we require certain account details from you including your personalised security credentials
relating to that account ("Connected Account Security Credentials") such as usernames, access numbers, passwords... These details are required
to access and collect information from your Connected Account and/or your associated Connected Account transactions to provide the Service.
The Connected Account Security Credentials you provide will either be communicated directly to your Connected Account provider (e.g. your bank or payment card issuer) through the Service, or will be collected, held and stored securely by Salt Edge. Salt Edge Once will not make your Connected Account Security Credentials available to any third party other than your Connected Account provider and will only transmit them through safe and efficient channels in accordance with regulatory rules.
Cash Coach will not store any of your Connected Account Security Credentials. Any Connected Account data that you provide, and any information obtained from your Connected Accounts, shall only be used by Cash Coach or Salt Edge to enable the proper execution of the Service to you. Providers of payment accounts that are accessible online are required by regulations to allow you to access account information through a service provider such as Cash Coach. You must only connect payment and financial accounts that you are the account holder of.
Cash Coach will maintain a read-only access on all your Connected Accounts in order to provide you the Service. You may remove a Connected Account from your Cash Coach account at any time, this will automatically delete the connection on the Cash Coach server.
Cash Coach will also ensure that our data providers delete any Connected Account Security Credentials so that neither of us will continue to access or collect information regarding the removed account.
You are not allowed to: 'scrape' content or store content of the Site on a server or other storage device connected to a network or create an electronic
database by systematically downloading and storing all of the content of the Site; remove or change any content of the Site or attempt to circumvent security
or interfere with the proper working of the Site or the servers on which it is hosted; or create links to the Site from any other website, without our prior written consent.
You must only use the Service and anything available from the Site for lawful purposes, in a responsible manner, and not in a way that might damage Cash Coach’s reputation or that of any of our affiliates. All rights granted to you under these terms will terminate immediately in the event that you are in breach of any of them.
Intellectual property rights
All intellectual property rights in any content of the Service (including text, graphics, software, photographs and other images, videos, sound, trademarks and logos) are owned by Cash Coach or our licensors. Except as expressly set out here, nothing in these terms gives you any rights in respect of any intellectual property owned by us or our licensors and you acknowledge that you do not acquire any ownership rights by downloading content from the Site.
Enquiry and Complain
For any enquiry, request or complain about the Service, please write to us at firstname.lastname@example.org.
We will do our best to answer you promptly.
Should we fail to resolve your complaint, you can refer to the Financial Ombudsman Service (FOS) for an independent dispute resolution: www.financial-ombudsman.org.uk.
Changes to the Terms of Services
These Terms are subject to continuous review and update, therefore we reserve the right to make changes to these terms from time to time and inform you of any significant change.