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PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE

TERMS AND CONDITIONS OF USE

These Terms (together with the documents referred to within it) explain 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, whether as a guest or a registered user. Use of our website includes accessing, browsing, or registering to use on any of our websites.

Please read these Terms carefully before you start to use our website, as these will apply to (i) your use of our website; (ii) our services; and (iii) your relationship with certain third parties. We recommend that you print a copy of this for future reference. We may make changes to these Terms from time to time and you should regularly review this page.

By using our website, you confirm that you accept these Terms and that you agree to comply with them. Registration as a user of Bud includes your agreement that these Terms will apply to your use of our website. If you do not agree to these Terms, you must not use our website.

Other applicable terms

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

  • Our Privacy & Data Policy, 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, sets out how we secure and protect your information.

Information about us

thisisbud.com is a site operated by Bud Financial Limited (Bud, we, us or our). We are authorised and regulated by the Financial Conduct Authority (FCA FRN 765768). 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 or email us at [email protected].

What do we do?

We connect people to financial services in the simplest way. 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(s)). Based upon the information you give us, we may give you information about new and existing financial products and services that you may be interested in.

We do not offer advice about any financial products or investments. If you are not sure whether any product or service is suitable for you, which you may discover through our website we recommend you seek advice from a qualified financial adviser.

How do we make money?

Our website is available to customers free of charge. If you use our website to register with, or use the service of, a third party provider listed within our service directory (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.

If we receive (or pay) fees or commission for the introduction of business we will act in accordance with all applicable laws.

We are independent and as such support your own decision making. We do not promote any product or sponsored content to you directly in preference to any of other service.

GENERAL TERMS APPLYING TO 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 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.

Changes to our website

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.

In what territories can I use your website?

Our website is directed to people residing in the United Kingdom currently. 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. 

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, 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

  • use or launch automated systems such as bots, spiders or load testers that access or attempt to access our website or services.

Trade marks.

BUD is a registered trademark of Bud Financial Limited.

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.

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.

Limitation of our liability

Nothing in these Terms 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;

  • any delay in execution, or a change or fluctuation in a market or currency; 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 https://webgate.ec.europa.eu/odr 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.

Changes to these Terms

We may modify these Terms from time to time in accordance with this clause 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.

We may, without limitation, amend these Terms:

  • in order to comply with applicable laws or regulations;

  • to reflect a change in our regulatory status and any consequential amendments that may result from us having to comply with the FCA Rules from time to time;

  • to make these Terms fairer or clearer, or to correct mistakes;

  • to reflect changes in the way that third parties provide services to us or interact with you through Bud;

  • to enable us to make changes to our own services as we develop our technology and the things that we may decide to offer to you.

If we propose a change that is detrimental to registered users we will give 30 days’ notice of those proposed changes (unless we are obliged to make the change sooner for legal or regulatory reasons) but otherwise we may make such changes immediately.

These Terms, 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.

TERMS RELEVANT TO OUR SERVICES

Your Bud 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.

If you know or suspect that anyone, other than you, knows your user identification code or password or if you have lost you have lost a mobile device with the Bud app installed you must promptly notify us at [email protected].

How we will communicate with you

You agree that all communications that we may need to send to you may be sent electronically and agree that Bud has no obligation to send communications in paper form. We may send you information and notices through our website (which includes our app) or email you at the primary email address listed in your account profile. Other than in respect of the service of legal proceedings we are not obliged to receive paper correspondence from you and if you do wish to contact us you should email [email protected] or use any contact or chat functions that we may make available from time to time.

Our account information services

If you expressly authorise us to undertake account aggregation, directly or through identified third parties we will do this on your behalf as your agent. In order to do so you will need to provide us with information to enable us (or an identified third party) to authenticate ourselves to your bank or institution and authorise us to connect your accounts on a ‘read only’ basis. This information will ordinarily comprise your user name, password and/or other security information (such as answers to challenge questions or one-time-passcodes) that you provide to log you into that site (your Security Credentials).

You allow us access to your data content for the purposes of providing our account information services to you. By submitting your Security Credentials 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 charge.

When you add an account to Bud (a Connected Account), you authorise and permit us to store and use your Security Credentials to enable us to configure our services with those third party sites, collect information about your account transactions and present this to you through the creation of new or modified content in order to help you understand your financial data.

Where we provide account information services we do not check the accuracy of that information nor whether it is up to date. Accordingly, we make no warranty that our account information services will be uninterrupted, timely or error free; or that the information presented (including any category tags applied by Bud) will be accurate or reliable.

Our account aggregation services are provided on an “as is” basis and we make no representation or warranty, express or implied, in respect of our services or the information provided to you as to fitness for any particular purpose or otherwise.

Complaints

We aim to provide you with an excellent service at all times. If you are unhappy with our service for any reason, please contact our customer service team at [email protected].

We will aim to send you a formal acknowledgement of your complaint within 48 hours and to resolve it as soon as possible. After we have had an opportunity to investigate your concerns, we will issue you with a final response. If you aren't satisfied with our response, depending on the nature of your complain, you may have the right to refer your case to:

The Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR; telephone: 0800 023 4567; email:[email protected]; website http://www.financial-ombudsman.org.uk/

If you are unhappy with any product or service you have obtained from a third party or have any complaint regarding any third party, you should address your complaint directly to that third party. If you require their contact details, please contact our Customer Services Team who will be happy to assist.

Our payment initiation services

Terms applying to our services generally

For purposes of these Terms, and solely to our 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.

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

TERMS RELEVANT TO PARTNER SERVICES

We check our partners 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 https://register.fca.org.uk/ website.

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.

If you enable partner applications that are integrated with Bud, you acknowledge that Bud may allow that partner access to personal information about you (such as your identity) and/or your data as may be required for the interoperation of such partner applications with Bud. In such cases we will ensure we specify to you what data may be transferred and obtain your consent. However, Bud shall not be responsible for any disclosure, modification or deletion of your data resulting from any such access by those partners.

You understand and agree that our website is not sponsored or endorsed by any third parties accessible through the website.

Bud Financial Limited (Bud, we, us or our) are committed to protecting and respecting your privacy and understand how important that is for you. We do collect, use and share information about you in accordance with this policy. This policy is important and you should read it carefully in conjunction with our Terms and Conditions.

Your continued use of our services, whether through our website, our app or otherwise, indicates that you accept and consent to the use of your personal data by us and other parties as set out below. We may make changes to this policy from time to time and you should regularly review this page. If you do not agree with this policy, then you should stop using the website and contact us to delete your account.

Data protection

Data Controller

The data controller is Bud Financial Limited. 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. You can email us at [email protected].

Your right to know

We comply with and are registered under the data protection laws in the United Kingdom and take all reasonable care to prevent any unauthorised access to your personal data. Under the terms of the Data Protection Act 1998 you have a number of rights. If you require a copy of the personal data we have concerning you, please write to the Data Protection Officer, at the correspondence address above, Bud Financial Limited do not charge an administration fee for the provision of this service.

You can also ask us to correct or remove any information about you that we hold. If you need us to do either of these things, please write to the Data Protection Officer and we will do this free of charge.

Where do we get the data we hold about you?

From information you give to us

You may give us information by filling in forms on the website or through our app, such as when you register for an account or if you contact us through phone, email or otherwise.

From information we collect about you

When you visit our website we may automatically collect information about your computer, your IP address, geographical location, information about your visit and how you use our site, including which investment opportunities you view. For more information on this you should read more about the use of cookies below.

From information third parties give to us

We may get information about you from our partners and affiliate services or through other third parties such as advertising networks, search engine providers, analytics providers and social networking sites.

Do we have any access to your financial data or login information?

Our software lets you add details of the accounts which you want to access through Bud (account aggregation). Bud never sees your credentials when you link your bank accounts, they are sent directly to your bank using bank-level security. We will only ever ask for what you bank asks for, which for most banks is only certain characters of your passwords. We realise how absolutely critical it is to you that this data is stored and managed securely. Bud takes security extremely seriously. Every user has their own unique encryption key that is not known to Bud. This key is used to encrypt and decrypt all of their sensitive data. All user keys use military-grade encryption (256-bit+) to ensure the upmost privacy and security for our users. We are never ever able to access your log-in information and no-one at Bud has access to your transaction data.

How do we use your data in providing our services?

We collect and process personal data about you to help us identify you in order to administer your account(s) and provide you with the information and services you request from us customised to your preferences. We may also disclose your personal data to our partners and affiliates in respect of those services you wish to use.

How else do we use your personal data?

In order to help you get the most from account aggregation our software uses your anonymised transaction data, and those of other users, to categorise transactions and provide usable tags. Where you add tags to transactions our software can learn from that process to improve the tagging process.

Information about the services you use

We will use some of your personal data to track the services you use through our website for the purpose of validating the data provided to us by our partners and affiliates and to track any remuneration that may be due to us. 

Service emails

After registering with us you agree that you will receive an initial email from us. We may also send you emails if and when there are changes to our Terms and Conditions or policies or if we need to discuss your account. You cannot opt out of receiving these emails but we will stop if you close your account.

Marketing

If you have given us permission, we may use your information to keep you informed by post, telephone, SMS, email or other electronic means such as via social and digital media about current and new products, services, offers and promotions which may be of interest to you.

We utilise a third party software and storage solution to analyse the personal data that you have provided to us in order to ensure that the marketing that you receive is as relevant and beneficial to you as possible. We retain full ownership of your personal data and ensure that it is secure at all times.

If you are not happy for your personal data to be used in this way, you can unsubscribe to remove your details from our contact list. If you have further queries with regards to your personal data, please feel free to contact us at [email protected] 

Market analysis

We may use your personal data to carry out market research, statistical analysis and behavioural analysis, on a personalised or aggregated basis. This research and analysis may assist us in improving our website, the services offered to you or other individuals in the future and in making crowdfunding transparent. We may share or sell aggregate information which does not identify you to third parties.

Third party processing

We may use third parties to process personal information on our behalf. Where third parties process your personal information we will ensure that they have the necessary high standards of protection in place to ensure you data is secure and used only in accordance with this policy.

Prevention of fraud

We may carry out analysis and research using your personal data in order to prevent or detect fraud.

How do our partners and affiliates use your personal data?

Our partner and affiliates will use your personal data to facilitate their own registration and on-boarding processes and in order to provide the services you wish to access through them. Some of our partners and affiliates may search external sources as part of their obligations to prevent money laundering.

Our partners may use the personal data you provide for purposes such as fraud prevention or for internal analysis (such as monitoring customer demographics, market trends or pricing analysis).

We are not responsible for the privacy policies or practices of our partner or affiliates (or other websites you may click though to from our website). You should ensure you read and are fully aware of the terms and conditions and the privacy policies of third party websites.

Contact from partner platforms

Unsolicited emails and phone calls

We ask our partners and affiliates not to send you unsolicited emails or making unsolicited phone calls. Please let us know if you experience any problems. However, if you click through to a third party website from our website, we cannot guarantee you will not be contacted by those parties. We recommend that you read their terms and conditions regarding your right to opt-in or opt-out of receiving further contact from them.

Do we pass personal data to third parties?

Except as set out in this policy, we will not disclose any of your personal data to other parties without your permission unless we are legally required to do so by, for example, a court order, for the purposes of prevention of fraud or other crime, or by a competent regulator. 

Transferring your data outside of the European Economic Area ("EEA")

Some processing of your personal data may be undertaken by nominated sub- contractors outside of the EEA. In these circumstances the processing will be undertaken in accordance with the provisions of the Data Protection Act 1998.

Confidentiality

We will endeavour to treat all your personal data as private and confidential. Other than under the terms of this policy we will not disclose any personal data about you. Please be aware however that under certain circumstances we may be subject to a legal obligation to disclose personal data about you, or there may be a public duty to disclose that personal data.

Should you decide to complain about the service we have provided to you, we may be obliged to forward details about your complaint, including your personal data, to the relevant ombudsman. You can be assured that they are similarly obliged to adhere to data protection legislation and to keep your personal data strictly confidential.

Changing your information and deleting your account

If you need to change any of your personal information you should log in to your account to make the necessary changes.

If you want to stop using Bud please email [email protected] using your registered email address and we will close your account within 30 days.

We will retain information about you for as long as your account is active and after termination for so long as it is necessary to comply with our legal or regulatory obligations, to resolve any dispute or to enforce our agreements.

If you delete any data, it is promptly deleted from within our systems and we will no longer have any access to that data.

Complaints

We aim to provide you with an excellent service at all times. If you are unhappy with our service for any reason, please contact our customer service team at [email protected].

We will aim to send you a formal acknowledgement of your complaint within 48 hours and to resolve it as soon as possible. After we have had an opportunity to investigate your concerns, we will issue you with a final response. If you aren't satisfied with our response, depending on the nature of your complain, you may have the right to refer your case to:

The Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR; telephone: 0800 023 4567; email:[email protected]; website http://www.financial-ombudsman.org.uk/

If you are unhappy with any product or service you have obtained from a third party or have any complaint regarding any third party, you should address your complaint directly to that third party. If you require their contact details, please contact our Customer Services Team who will be happy to assist.

Use of cookies

A cookie is a small piece of code, sent from a website sends to a user's internet browser, which allows that website to track the user's previous activity when they return to that website. This allows us to provide you with the experience that you expect from us and lets us continually improve our service.

You can block cookies by changing the settings on your browser, but if you do you will not be able to access all or parts of our website.

The types of cookies we use are:

Strictly necessary cookies

These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services.

Analytical/performance cookies

They allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.

Functionality cookies

These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).

Targeting cookies

These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

We do not have any control over the use of cookies by third parties, including our partners and affiliates. In order to manage cookies from third party websites you will ned to visit their site to adjust your settings.

If you want more information about how cookies operate, or how to manage them, please visit http://aboutcookies.org/

Law

This Privacy Policy is subject to the laws of England and Wales and the exclusive jurisdiction of their Courts.

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Bud Financial 2017Unit D, 160 Brick Lane, London, E1 6RUCompany No: 9651629 Registered in England & Wales Bud™ is a registered trademark of Bud Financial Ltd.Bud is authorised and regulated by the Financial Conduct Authority (FRN765768)

Terms / Privacy