PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE

These terms of use (together with the documents referred to in it) tells you the terms on which you may make use of our website thisisbud.com and any services that we provide to you through our website including any mobile version or app (our website), whether as a guest or a registered user. Use of our website includes accessing, browsing, or registering to use on any of our website.

Please read these terms of use carefully before you start to use our website, as these will apply to your use of our website. We recommend that you print a copy of this for future reference. We may make changes to this policy from time to time and you should regularly review this page.

By using our website, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms of use, you must not use our website.

Other applicable terms

These terms of use refer to the following additional terms, which also apply to your use of our website:

Our Privacy & Data Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing and you warrant that all data provided by you is accurate.

Our <Security Policy>, which sets out how we secure and protect your information.

Information about us

Thisisbud.com is a site operated by Bud Financial Limited (we or us or our). We are a company registered in England and Wales (company number 9651629) and our registered address is 160 Brick Lane, London E1 6RU. You should write to us at 160 Brick Lane, London E1 6RU.

We provide account information services to enable you to organise and manage your finances by accessing your data from financial institutions (such as your bank or credit card provider). We can facilitate third party payment processing. Based upon the information you give us, we may give you information about products and services that you may be interested in but we do not offer advice about any financial products or investments.

We are not authorised or regulated under the Financial Services and Markets Act 2000.

Our services

You allow us access your data content for the purposes of providing our services to you. By submitting information, data, passwords, usernames, PINs, additional authentication or other login information, materials and other content to us through the website, you represent that you are entitled to submit it to us to use for this purpose, without any obligation by us to pay any fees or other limitations.

By using our website, you expressly authorise us to undertake account aggregation and payment initiation services, directly or through identified third parties, on your behalf as your agent. When you add an account to Bud, you will be directly connected to the website for the third party you have identified. We will submit information, ordinarily your username and password, you provide to log you into that site. You hereby authorise and permit us to use and store information submitted by you to us (such as account passwords and usernames) to achieve this and to enable us to configure our services with those third party sites. For purposes of these terms, and solely to provide account information services and payment initiation services to you as part of our service, you grant us a limited power of attorney to access third party sites, retrieve and use your information with the full power and authority to do and perform each thing necessary in connection with such activities, as you could do in person. You acknowledge and agree that when we access and retrieve account information from third party sites, we act as your agent, and not as the agent of or on behalf of the third party. You understand and agree that our website is not sponsored or endorsed by any third parties accessible through the website.

For more information on how we protect the information you submit to use please see our <Security Policy> and our Privacy & Data Policy.

Where we provide account aggregation we do not check the accuracy of that information nor whether it is up to date. 

How do we make money?

Our website is made available free of charge. If you use our website to register with, or use the service of, one of our partners, that partner may pay us a fee for introducing you to them and/or a commission based upon any fees that they charge to you or to another third party in connection with brokered services. In some cases, the fees they earn may relate to the use of their services directly through their own site where you have been introduced to them by us.

Accessing our website

We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. Access to our website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our website without notice. We will not be liable to you if for any reason our website is unavailable at any time or for any period.
You are responsible for making all arrangements necessary for you to have access to our website.

You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

You must be at least 18 years old to access the services on our website.

In what territories can you use our website? 

Our website is directed to people residing in the United Kingdom and other jurisdictions within the European Union. We do not represent that content available on or through our website is appropriate, available or otherwise approved for distribution in other locations. We may limit the availability of our website or any service or product described on our website to any person or geographic area at any time. If you choose to access our website from outside the United Kingdom, you do so at your own risk.

Changes to our website and these terms

We may update our website from time to time, and may change the content at any time. However, please note that any of the content on our website may be out of date at any given time, and we are under no obligation to update it.

We do not guarantee that our website, or any content on it, will be free from errors or omissions.

We may modify these terms from time to time and the current terms will always be posted on our website, including the last revision date. Accessing our website after any change is deemed acceptance of those changes. 

Your account and password

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at [email protected].

Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our website (including the “look and feel” of it), and in the material published on it. Those works are protected by copyright and trademark laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our website for your personal use and you may draw the attention of others within your organisation to content posted on our website.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our website must always be acknowledged.

You must not use any part of the content on our website for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our website in breach of these terms of use, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

You must not: 

  • disassemble or attempt to reverse engineer any software in our website, except as permitted by law; 
  • copy, distribute or communicate to the public content from our website or seek to copy, remove or alter any regulatory notices, trade marks, logos or business names from our website; or
  • use a program or application to scrape, copy or index the content from our website.

No reliance on information

The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our website.

Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete or up-to-date. 

We are proud to work with the Partners available on our website, but that does not mean that we endorse, warrant, guarantee or take responsibility for their products or services. The terms on which you access our Partners products or services are subject to that Partner’s terms and conditions. We cannot guarantee that any advertisement for a product, service, rate or reward will be available on the advertised terms. If you obtain a quote from one of our Partners through our website it may not be the lowest rate or the best terms available in the market. 

Third party links and resources in our website

Our website contain links to other sites and resources provided by third parties.  We have no control over the contents of those sites or resources and they will be governed by separate terms and conditions. We do not accept responsibility or liability for the content of any third party website, including whether or not any financial promotion is clear, fair and not misleading, as this is outside our control.
 
You should ensure that you understand the regulatory notices, terms and conditions and privacy policies of any third party website which you might be agreeing to. 

We check our Partner are regulated for the services that they provide but you may wish to check the entity you are dealing with is properly regulated, for example in the United Kingdom by the Financial Conduct Authority. You can do this by checking the Financial Services Register on the FCA’s website.

Limitation of our liability

Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our website or any content on it, whether express or implied. 

We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise for, 
losses that:

  • were not foreseeable to you and us when this contract was formed; or
  • that were not caused by any breach on our part; or
  • loss of capital or investment opportunity, return or anticipated savings;
  • business losses; or 
  • losses to non-consumers

arising under or in connection with:

  • use of, or inability to use, our website; or
  • use of or reliance on any content displayed on our website. 

You agree not to use our website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our website. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

Viruses

We do not guarantee that our website will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access our website. You should use your own virus protection software.

You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.

Linking to our website

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our website in any website that is not owned by you.

Our website must not be framed on any other site, nor may you create a link to any part of our website other than the home page.

We reserve the right to withdraw linking permission without notice.

If you wish to make any use of content on our website other than that set out above, please contact [email protected].

Posting content

We may allow you, and other users, to post content to publicly available areas of our site, such as our blog. If you do you are responsible for that content and grant to us a perpetual, worldwide, non-exclusive, royalty-free, sub-licensable and transferable licence to use, reproduce and create derivative content, in whole or in part and in any format and through any media channel, including social media. 

You are not allowed to post any content that is libellous, defamatory, indecent, obscene, pornographic, harassing or otherwise offensive (in our opinion). You must not post content which would infringe the proprietary rights of any other person. 
You must not abuse our facilities by soliciting for donations, signatures, sales or business opportunities or advertising or promoting any goods or services. You should respect other user’s privacy and must not copy personal or business information or attempt to contact any other user directly without their consent. 

You agree we can edit for clarity or delete any content.

Your indemnity to us

You shall indemnify and hold harmless us, and our directors, employees and partners against all claims and expenses attributable to any breach of these terms by you. 

Digital content

If we provide you with, or sell to you, any digital content on our website you may have certain rights under the Consumer Rights Act 2015, including a right to cancel an order. You will not be able to cancel an order for digital content once a download has commenced. We will acknowledge orders by email but in certain circumstances we do not have to accept an order. All digital content will only be provided in English. If we are unable to resolve any dispute with you, you may use the online dispute resolution (ODR) platform available on the Your Europe portal. The ODR platform only relates to additional services we may agree to supply and is not applicable to your use of our website generally.

Applicable law

These terms of use, its subject matter and its formation, are governed by English law. You and we both agree to that the courts of England and Wales will have exclusive jurisdiction in relation to any proceedings. 

Trade marks

[BUD is a UK registered trade mark of Bud Financial Limited.]

Contact us

To contact us, please email [email protected].