D•One Terms of Use

Version 1

Effective from 11 July 2023

1 min read

Introduction

These Terms of Use, together with our Privacy Policy, set out the basis on which we deliver our services to you, as a user (“User”, “You”, “Your”). Please read these Terms of Use carefully. You may also want to print them out or save them on your device if you want to come back to them in the future. We may change or update these Terms of Use at any time and each time you use any of our services, you will be bound by the Terms of Use that are in effect at that point of time. Please check our website frequently to see the current version.

These Terms of Use aren’t a complete list of all your or our rights or responsibilities, as there might be others under general law. If you want more information about your general rights as a consumer, contact a consumer advice organisation, such as the Citizens’ Advice Bureau.

Who we are and how to contact us

“D•One” (“we”, “our” or “us”) is a trading name of Money Dashboard Ltd (company number SC301187, registered office Suite 2, Ground Floor Orchard Brae House, 30 Queensferry Road, Edinburgh, United Kingdom, EH4 2HS), and is a part of the ClearScore Group. We are authorised by the UK Financial Conduct Authority (“FCA”) as an “account information services provider” (“AISP”) to provide “Account Information Services” (FCA firm reference number 800652) under the Payment Services Regulations 2017. Our services do not amount to financial or investment advice.

If you have any questions about or feedback about our services or wish to make a complaint about our services, get in touch with us by emailing us at support@data.one. You can also leave us a voice message on the following telephone number: +442075828212.

If you have made a complaint about our services and we have provided a final response which is not to your satisfaction or you have not received a response within eight weeks of making your complaint, you can ask the Financial Ombudsman Service to investigate. The contact details for the Financial Ombudsman Service can be found here.

Our services – what we do

Our business clients (“Clients”), such as lenders, credit providers or other financial institutions, integrate with us to provide Account Information Services. You will typically use our Account Information Services if you are looking to take out any products or services with a Financial Institution that is a Client of ours. When a Client is integrated with us, you will able to:

access and view your account information that you may hold with a bank, lender, credit provider, building society or other financial institution (“Account Provider”) via that Client’s site or application; and
with your consent, share your account information from that Account Provider with the Client or another third party.

To use our services, the Client will redirect you to a page for you to consent to D•One connecting with your selected account, and retrieving your account information from the Account Provider and share it with the Client or other third parties.

By confirming your consent, you are instructing and authorising D•One to access the account(s) and account information selected by you and sharing it with the Client or other third parties who you may consent us to share it with.

You can demonstrate your consent by pressing the button agreeing to link your account when signing up. By using our services you agree that we and our Clients are entitled to rely on this authorisation and agency granted by you. Accessing this information is subject to you passing appropriate authentication for security purposes.

You may only use and access our services on your own behalf and not on behalf of anyone else. If you believe or suspect that there has been suspicious activity in relation to your accounts or use of our services, please contact us immediately at support@data.one.

Use of our services

Your use of our services is free of charge. We may earn revenue from:

Clients who pay us a fee for the services we deliver to them; and
providing data, analysis and/or categorisation of your account information to our Clients.

All rights not expressly granted to you in these Terms of Use are reserved and retained by us or our licensors, suppliers, publishers, rights holders or other content providers.

Relationship with Clients

We are not in control of and have no responsibility over any services or products that the Client or your Account Provider may be providing to you. The Client and Account Provider will have their own terms and conditions and privacy policies that will apply to your use of their services. Once we share your account information with the Client, the Client has responsibility for the handling of that account information.

Key terms relating to your use of the services

We will use the data we gather as described above in relation to your accounts for the purpose of providing our services to you. Any information provided to you, or to Clients or third parties on your behalf, as part of our service is only as accurate, complete and up to date as the information supplied to us by you or the Account Providers. We don’t check the information we receive from you, Account Providers or other third parties for accuracy or completeness. We do not control the accounts you connect and we cannot change the related information for you. If you think any information provided about you in relation to an account may be incorrect, please contact the relevant Account Provider. If you think any other information we have provided to you has been incorrectly displayed, please let us know as soon as possible by contacting support@data.one.

Any information we give you through our service is for your information only. We will not be liable or responsible if you rely on it or take any action or make any decision based upon it. Except as otherwise set out these Terms of Use

we accept no liability for inaccuracies or omissions in the information gathered from the Account Providers or other third parties;
we (and our suppliers and service providers) have no control over the content or accuracy of information provided by Account Providers or other third parties;
the services we provide are on an "as is" basis;
we do not guarantee all of the information provided by or through our service is complete, up to date or accurate at any particular or all times; and
we do not guarantee that the service will be defect or error free or available at any particular or all times

Duration of services and termination

you use the services in a manner that is deemed by us to be contrary to these Terms of Use, or is fraudulent, or we are required to cease providing the services to you by law, in which case we reserve the right to cancel your access to the services; or
if we stop providing the services or any part of the services

We reserve the right to suspend your access to the services if at any time we consider that there is or is likely to have been a breach of security or your use of the service is in any way detrimental to us or anyone else.

Intellectual Property Rights

All intellectual property rights in our website and apps in the material published on them and in their component systems are owned by, licensed or sub-licensed to us. All content on our website and apps is subject to copyright with all rights reserved. Images, trade marks and brands are protected by intellectual property laws and may not be reproduced or appropriated in any manner without permission of their respective owners. You must not remove any acknowledgement that we or any of our contributors is the author of any website content or any content we provide to you as part of the services. You may download or print or screen grab content or individual sections or pages of our website or apps for your personal use and information only, provided that any such copy has attached to it the relevant proprietary notices and/or disclaimers. Any material downloaded or otherwise obtained through our website or apps is done at your own discretion and risk and you are solely responsible for any damage to your computer system or device or loss of data that results from the download of any such material. You must not modify, adapt, copy, download or post material from our website or apps nor store any part of our website or apps in any other website or app or include it in any public or private electronic retrieval system. You must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text or explanation.

Limitation of 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, any duties or liabilities that we owe to you under the rules of the FCA, nor any other liability that cannot be excluded or limited under applicable law. To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our website and apps, any content on them or services accessed through them, whether express or implied. We will not be liable to you or any third party for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with: Use of, inability to use or unavailability of the services (or any part of it), websites linked to it, or our services; use of any products, data, information or services accessed or obtained or messages received or transactions entered into, through or from the services obtained or accessed through our website or apps including use of or reliance on any content displayed on or made available through our website or apps unauthorised access to or alteration of your transmissions or data, or any inaccuracy or incompleteness of any information received by you or by us through the services. We do not accept any liability or provide any guarantee with respects to your eligibility for or success in obtaining products offered by Clients. We do not charge you a separate fee for access to and use of the services. On this basis our total aggregate liability for any losses and/or damage suffered by you will be limited to £100.

Making changes to our terms or services

We may change these Terms of use, our apps and our services at any time. We will keep these Terms of Use up-to-date on this page. The changes will take effect when they are first posted. Your continued use of our website, apps or our services will confirm your acceptance of the revised terms in force at that time.

General

The headings used in these Terms of Use are for convenience only and shall not affect their interpretation. Use of the words, includes or including or similar words or phrases means without limitation and the use of these or similar words or phrases shall not limit the meaning of the general words. We shall not be liable for any delay or failure to provide our services or perform any obligation under these Terms of Use if the delay or failure is caused by circumstances beyond our reasonable control. Nothing in these Terms of Use is intended to confer on any person any right to enforce any term of these Terms which that person would not have had but for the Contracts (Rights of Third Parties) Act 1999. Each part of these Terms of Use is severable. If any such part is or becomes illegal, invalid or unenforceable in any respect that part shall apply with the minimum change necessary to make it legal, valid and enforceable, or deemed inapplicable if it isn’t possible to modify. Failure or delay by us in enforcing these Terms of Use shall not be a waiver of that or any other provision. You have a right to receive a copy of these Terms of Use at any time. Please contact us by email if you wish to receive a physical copy in English. You may transfer any of your rights or obligations under these Terms of Use. These Terms of Use set out the whole agreement between you and us in relation to the use of our services.

Disputes and applicable law

These Terms of Use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with English law and shall be subject to the non-exclusive jurisdiction of the English courts.