Terms and Conditions

Welcome to Little Birdie. Little Birdie is a subscription and bill management service that assists users by displaying all of their regular payments, bills and subscriptions in one simple app. It can then notify users of forthcoming payments, price changes, contract renewal or payment dates, and free trial end dates. It can also recommend alternative products or providers if relevant, and assist in the cancellation of unwanted products or services, or in switching to alternative deals. Little Birdie will also notify you of important renewals and payments, such as your TV license, car MOT, or the next interest-free payment on your new sofa. Think of it as your intelligent assistant that manages your bills and payments or finds you better deals.

These Terms and Conditions (“Terms”) apply to all access and use of the Little Birdie app and/or website however accessed as well as the services provided through the app or website by Little Birdie – collectively knowns as the “Services”.

As you would expect, these Terms only cover the services provided by us. They don't deal with any services provided by, or costs that might be charged by, third parties that you need to pay in order to receive our services – for example costs charged by your mobile phone provider.

By registering to use the Services, or as a visitor to the app and/or website prior to or without becoming a registered user, you agree to access and use the Services in accordance with these Terms. Please read these Terms carefully as they set out your rights and obligations and define a legally binding contract (“Agreement”) under which we make the Services available to you. You should print off and keep a copy of these Terms for your records. Please also read our Privacy Policy (www.littlebirdie.co.uk/privacy-policy). If you do not agree to these Terms or the Privacy Policy, please do not use the Services.

The Little Birdie app and/or website and the Services are owned and operated by Little Birdie Holdings Limited. We are a company registered in England and Wales, with Company Number 13472909. and our registered office is Wellington House 273-275 High Street, London Colney, St Albans, Hertfordshire, England, AL2 1HA.

In this Agreement we refer to Little Birdie Holdings Limited as Little Birdie, we, us, our etc. And we refer to you as a user, you, your etc.

We may update these Terms from time to time. You should regularly check this page to see if any changes have been made. In relation to updates that materially affect our legal relationship, we will notify you. Ongoing use following such changes or notification will be deemed acceptance of the changes. Little Birdie is currently free to use, but some enhanced features or further versions may be charged for in the future.

Please note in particular sections 5, 6, and 8 which contain important provisions about risk and liability and section 3 about linking to your personal bank accounts.

You can contact us at hello@littlebirdie.co.uk

1. What is Little Birdie, and who do we partner with to provide the Services

Little Birdie is a subscription and bill management service. 
To provide our Service, we work with and link to various third parties (“Trusted Partners”), including as summarised as follows:
To enable you to access and upload your banking information, we work with Bud Financial Limited (www.thisisbud.com). Bud provide the regulated Account Information Service, and are authorised by the FCA as an Authorised Payment Institution. You can find out more about Bud here - Bud Financial Limited - Open Banking
To compare suppliers and collect comparison offers for you we work with Decision Technologies Limited (www.decision.tech), who are part of the Moneysupermarket Group
We will always endeavour to present deals that are relevant for you and not based on the commission we make.

2. Accessing our Services

To use certain parts of the Services you are required to register and/or set up an account. To register and/or set up an account you must be an individual aged 18 years or older.
The registered account owner is solely responsible for providing (and keeping updated) true and accurate information during sign up and throughout the registration period.
The account owner will be responsible for any use of the account and the Services through the account and/or through use of the login or password by any persons. You should keep your login details safe and secure.
Please ensure any person accessing the Services through your account is authorised by you, is aware of, and that you ensure that they will comply with, these Terms.
Our Services are directed to people residing in the United Kingdom. If you choose to access our Services from outside the United Kingdom, you do so at your own risk.
Your device must fulfil certain operating system or browser requirements in order for the Services to function properly. If you do not install operating system or browser updates and new versions, the Services may not function properly or at all, so we encourage installing updates as soon as they become available.

3. Connecting Your Accounts

To get the most out of our Services, you should link your online personal accounts, including bank accounts, credit cards and other relevant accounts (“Your Accounts”) to Little Birdie. To view relevant information about the balances and transactions on Your Accounts, we use regulated Open Banking technology offered by our Trusted Partners set out in section 1. Please be assured that we only view your transactions, and have no actual access to you accounts, and that your data is always protected by bank-level security. 
In order to access this information, we need express approval from you, and in making your selections in your account settings you do expressly consent to (i) our and our Trusted Partners access to Your Accounts, and use of Your Data for purposes of providing the Service(s); (ii) sharing the same other such third parties as may be required for the purposes of providing the Service(s); and (iii) anonymising and retaining an anonymised data set of your transactional data.
In line with your selected permissions, we will obtain the appropriate information from Your Account providers on a continuous basis until your consent expires or is revoked. You can add or remove permission at any time. We will not ask for or use more information than is required to perform the particular service that we are providing. For instance, we might request an account number, but we will never request any secret passwords, numbers, or codes associated with your personal accounts.
You may at any time remove your consent and our permissions to access information from Your Accounts using the App, simply just select the account and hit ‘Remove Account’. You can also revoke your permission for us to access Your Account details anytime by contacting your account provider.  Open Banking permissions only last for a set period of time, so you will periodically be asked to re-consent to re-establish the connection with your accounts.
You have the choice not to connect Your Accounts, and/or to enter any data or information manually. However, the quality and accuracy of our Service is improved by linking to more accounts. It also means far less effort on your part as we do all the data input for you
By using the Service and connecting Your Accounts, you represent that you are the owner of the account and that you have the authority to appoint, and do expressly appoint, us and/or our third party providers to access and retrieve data from your Accounts.

4. Using Your Data

Your data belongs to you. Any data that you provide us whilst using our Services including anything you provide, or permit us to access on your behalf, relating to your banking, subscriptions, suppliers or other information (“Your Data”), belongs to you and we will not use it for any purposes other than as permitted by you to provide you with our Service.
If you are adding any data or other information manually, you are responsible for the accuracy and relevancy of such elements of Your Data and you warrant that you have all necessary rights to those elements of Your Data and that you are not infringing or violating any third party’s rights by providing or uploading it to the Services.
Our Services enable the sharing of elements of Your Data from Your Accounts for use by our Trusted Partners to help with recommendations or switching. If you choose this service you will have provided us your explicit approval, and we will provide the information to the applicable third party in accordance with your wishes. 
We will be entitled to retain and use all usage and/or statistical or other data, information, learnings or know how related to and/or derived from the use of the Services by users, in anonymised and aggregated form, and at all times this will not include your specific and identifiable information or data.

5. Disclaimers

We will not verify or be responsible for the correctness of Your Data provided by you or your personal account providers. It is your responsibility to ensure Your Data is accurate or otherwise correct it.
The content and information on our Services is provided for general information only. It is your responsibility to ensure that any services or information available through the Services (either directly or indirectly) meet your requirements.
Although we make reasonable efforts to update the information on our Services and ensure it is accurate and timely, we make no representations, warranties or guarantees, whether express or implied, that the content on our Services is accurate, complete or up-to-date.
To the fullest extent permitted by law, any reliance you place on the information or on the Service is at your own risk. We are therefore not responsible for your decision to change supplier or subscription package or sign up to any deal.
In particular you acknowledge that we obtain certain information from third parties and we cannot, and do not, provide any representations, guarantees, and/or warranties as to quality, suitability for your purposes or needs, compatibility, reliability, accuracy, completeness, timeliness or use of information provided to us by any third party and/or that is accessed or obtained by you via the Services, or otherwise through using our Services.
We do not guarantee that our Services, or any content on our Services, will always be available or be uninterrupted. Access to our Services is permitted on an “as is” temporary basis. We may suspend, withdraw, discontinue or change all or any part of our Services without notice. We will not be liable to you if for any reason our Services are unavailable at any time or for any period.

6. 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.
If we fail to comply with these Terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if it is an obvious consequence of our breach or if it was contemplated by you and us at the time we entered into this Contract.
We only provide the Service for domestic and private use. You agree not to use the product for any commercial, business or resale purposes, and we have no liability to any business for any loss of profit, loss of business, business interruption, or loss of business opportunity, loss of anticipated savings, loss of goodwill or reputation, nor for any indirect or consequential loss or damage.
We accept no responsibility or liability arising out of the acts or omissions of the providers of Your Accounts or our Trusted Partners. We accept no responsibility for the content of websites or other services linked on our Services. Unless expressly stated, these websites and services are not under our control. Such links should not be interpreted as endorsement by us of those linked websites or services. We will not be liable for any loss or damage that may arise from your use of them. You should check their terms and conditions and privacy policies before linking to or accessing them.
In any event, to the fullest extent permitted by law, our maximum liability for direct damages to you shall not exceed £100.
Nothing in these Terms shall affect your statutory rights as a consumer.

7. Intellectual Property, Restrictions and Prohibited Uses

You may use our Services only for lawful purposes. In any event you may not use our Services:
in any way that breaches any applicable local, national or international law or regulation.
in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
to knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
Any software, information or data that is made available including for downloading is solely for your use in a personal, non-commercial manner. You may not reproduce, redistribute decompile, reverse engineer or disassemble any software or other products or processes accessible through the Service.
Any intellectual property rights (including without limitation all patents, copyright, database rights and trademarks (whether registered or unregistered)) subsisting in any content or material and / or the Service belongs to us and/or our licensors. Nothing in these Terms grants you any rights in the service or the content within the service other than the limited access rights permitted herein. All rights not granted under these Terms of are reserved by us.
You may not at any time modify, copy, store, distribute, transmit, display, revise, perform, archive, download, reproduce, publish, license, deep-link, create derivative works from, transfer, scrape, crawl, extract, reutilise, or otherwise use any information, data or content obtained from or available through the Service unless expressly authorised by us.

8. Indemnity to us

If you are in breach of these Terms, to the maximum extent permitted by applicable law you will be responsible for and agree to indemnify us in respect of any costs, expenses, claims, proceedings, actions, losses, damages or liabilities (including reasonable legal fees) incurred by us as a result of your breach.

9. Suspension or Termination

We reserve the right, acting reasonably, to immediately suspend or terminate your account and/or access to the Services if:
you or anyone using the Services through your account breach these Terms;
information you have provided (whether during the sign up process or thereafter) proves to be inaccurate, fraudulent, misleading or otherwise in violation of these Terms;
you use the Service for any purpose not expressly permitted by these Terms;
you have otherwise acted (or are acting) in a way in which we reasonably believe warrants us to suspend or terminate your account.
If we suspend or terminate your account, you will no longer be able to log in to the Service and will not be able to access any information. If we terminate your account we are not obliged to refund any monies paid or pre-paid by you.

10. Linking to our Services

You may link to our website homepage, 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.
Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.
We reserve the right to withdraw linking permission without notice.

11. Miscellaneous

Section headings are inserted for convenience only and shall not affect the interpretation of these Terms. We will not lose our rights under these Terms by reason of any delay by us in enforcing those rights.
If any provision of these Terms is deemed unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions.
These Terms, and all incorporated documents referred to herein, constitutes the entire agreement as to your use of and our provision of the Services and supersedes and extinguishes all previous agreements, promises, assurances, warranties, representations and understandings between us, whether written or oral.

12. Applicable Law

These Terms will be interpreted, construed and enforced in all respects in accordance with the laws of England and Wales, and you irrevocably submit to the jurisdiction of the Courts of England and Wales.

If you have a concern, and how to make a complaint 

If you have a concern or a complaint, please email us at hello@littlebirdie.co.uk. We’ll send you a response to your complaint as soon as we can, and do our best to fix the problem. 

If are not happy about anything to do with Open Banking or access to your accounts, you can refer your complaint to the Financial Ombudsman Service, Exchange Tower, London E14 9SR, by calling 0800 023 4567 or 0300 123 9123 or by sending an email to complaint.info@financial-ombudsman.org.uk.

For more details you can visit its website at www.financial-ombudsman.org.uk. 