1. The App
We provide the App to you free of charge so that you can view your Account and access certain other services and functionality that we make available to you in the App from time to time.
We give you a non-exclusive right to download and use the App on your device to of manage your Account(s). You cannot grant any rights relating to the App to anyone else.
To use the App, you must hold an Account with us. For more helpful information about the App and its contents, please see our FAQs.
To use the App, you need to download the App. You can find further details on how to register and full details of the range of services available to you on our website. The services that are available to you may vary on the type of device you are using and the type of account you have.

2. Availability
We may update the App for reasons that may include bug fixes or adding, removing or enhancing functionality. Access to the App may need to be suspended temporarily in the case of system failure or for maintenance or repair, but we will do our best to tell you in advance if we can. We will have no liability to you for losses that occur as a result of the App not being available (if it’s not you should be able to access your Account in other ways as provided in your terms and conditions).
You should keep the App updated and recommend that you download the latest version as soon as updates become available. However, we cannot guarantee that we’ll continue to support the operating system used by your device.

3. Your responsibilities
We refer to Apple and Google’s terms of service (and other applicable terms) as the ‘App Store Rules’. You need to comply with the ‘App Store Rules’ as well as these Terms.
When using our App, you will do so in a fair, lawful and ordinary way and will not do any of the following:

• transmit any data or material that is harmful to other
  programs, software, or hardware;
• sell, alter, adapt, decompile, modify, reverse-engineer, or
  reproduce any part of the App;
• download our App (and updates) from anywhere other than the
  official supplying app stores and not use the App on any device
  that has been improperly modified from its original factory
  state; and
• access an account that belongs to another customer.

All claims, damages and costs related to your use of this App, the information provided by you via the App (if any), breach by you of these Terms, and use of any intellectual property or other right of any person are your sole responsibility.

4. Ending these Terms
You can end these Terms by deleting the App from your device at any time. You should delete the App from your device if these Terms are terminated or you change or dispose of your device. If your Account requires multi-signers in the App to support its operating mandate this may result in your Account becoming only operational by email and post.
If we de-register you (for example after you have closed your Account), you will not be able to log into the App.
We may suspend or terminate your access to the App if we are required to do so by any legal or regulatory authority, if you fail to update the App and this seriously impacts the Apps security or if you seriously or repeatedly breach these Terms.
We can also close the App and end these Terms at any time if we decide that we do not want to offer the App anymore.
Upon termination for any reason, your right to use the App will end, and you must stop using and delete the App from your devices.
We’ll attempt to tell you before we take any of these steps and we’ll explain why we’ve done so, unless we’re unable to contact you or there’s a legal reason or other circumstance beyond our control that stops us from doing so. If we can’t get hold of you beforehand, we’ll (where possible) tell you and explain our reasons afterwards.
If we have a valid reason for doing so, we may change these Terms. If we need to update the Terms to introduce a new feature into the App, which does not change Terms relating to existing features, we may do so immediately and will tell you as soon as we can afterwards. If we make any other change to the Terms, we’ll give you at least 60 days’ notice before it takes effect. We’ll tell you about any changes by either:
• notifying you within the App;
• sending you a text message (to the mobile number you
gave us);
• sending an email or sharing an External message by
SharePoint (to the address you gave us);
• delivering a secure message, or
• sending you notice by post.
We’ll assume that you’ve accepted the changes unless you uninstall the App or tell us that you’d like to cancel it before the changes take effect.

5. Security
To log into the App, you must use the password, customer number, and pin (“ Security Data”). Be aware if you use biometric details to log into the App (i.e., fingerprint or face ID), then anyone whose biometric details are registered on your device may be able to access your App and your Account.
If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can.
If we detect any suspicious or malicious activity, we may block, suspend, or restrict access to the App.
When using our App, you should do the following:

• take all reasonable steps to keep your Security Data
  secret. You must not tell anybody else your Security
  Data or let them find out your Security Data; and
• tell us as soon as you can if you know or think somebody
  else knows your Security Data or if your device is lost or
  stolen, via our Contact Us page and we will suspend
  your access to the App whilst we resolve the issue.

6. Limitations on our liability
We have taken reasonable steps to ensure the App works and functions as described and is safe and secure, but we cannot guarantee that the App will be available without interruption, free from delays or failures, secure or free from viruses or other destructive properties and that your device will not be damaged whilst using the App.
Any other claims, losses, liabilities, damages, costs, or expenses will be our sole responsibility subject to these Terms. Apple and Google have no other responsibility or obligation in relation to the App.
We are responsible for customer service in relation to the App and can help you if you are having any issues. You acknowledge that Apple and Google have no obligation whatsoever to provide any support or maintenance services in relation to the App.
Nothing in these Terms will operate to limit or exclude our liability for any losses where limitation or exclusion is prohibited by law.
If you use the App outside the UK, you may not be able to access the App, and we won’t be liable to you if the App does not comply with any local laws.
Although we do not currently charge you for the App your mobile phone network operator may charge you when using the App and these charges may vary if you use your mobile phone to access the App when outside the UK.

7. Intellectual property rights
We and our licensors are the owner of all intellectual property rights in the App and its contents. These Terms do not grant you any rights in the App or in any data (including personal data) made available to you via the App.
If any third-party claims that the App or your use of it infringes their intellectual property rights, we (and not Apple or Google) will be responsible for investigating the claim and, where appropriate, for dealing with it.
We own the various product names and our company name or logos displayed on the App, including Charity Bank. No permission whatever is given by us in respect of the use of any of them and such use may constitute compromising of these rights.

8. Changing these Terms
From time to time, we may make changes to these Terms including to reflect changes in the App’s functionality, to deal with a security threat or if there is a change in law or guidance. You can view the current version of these Terms in the App.
Each time there is a change to these Terms, the new Terms will be presented to you when you next log into the App. If you do not accept the changes, you will not be able to use the App.

9. Communicating with each other
We may contact you about the App using the current contact details for you that we have verified. All of our communications will be in English.
If you have any issues or complaints with the App, you may contact us by emailing [email protected]

10. Other things you should know
You represent and warrant that you are not located in a country that is subject to a US Government embargo, or that has been designated by the US Government as a ‘terrorist supporting’ country, and on any US Government list of prohibited or restricted parties. If either of the situations apply to you, you are not permitted to download and use this App.
These Terms are between us and you, not Apple and Google. The App is our responsibility, and Google and Apple have no responsibility for the App or its content. If there are any conflicts between these Terms and the App Store Rules, the App Store Rules will apply as applicable.
Apple and its subsidiary companies are third party beneficiaries of these Terms and may enforce these Terms and take action against you directly, with or without our involvement.
Other than Apple and its subsidiaries, a person who is not a party to these Terms shall have no right under the Contract (Rights of Third Parties) Act 1999 to enforce any term of these Terms.
Failure by either of us to enforce our rights under these Terms shall not prevent you or us (as the case may be) from taking further action.
These conditions are subject to English law, and if there is a dispute between us, the same courts will have jurisdiction as set out in our terms and conditions relating to your savings accounts with us.