Introduction

These terms apply to your use of:

1. 1. our website (the “Website”); and
2. 2. our mobile application (the “App”),

together, the “Platform”.

By accessing or using the Platform, you agree to these Website & App Terms of Use and our Privacy Notice. If you do not agree, please do not use the Platform.

If you have downloaded our app and have proceeded to open a Clove account, you will also be bound by our Customer Terms & Conditions (you will have a chance to read and agree to these prior to opening a Clove account). Once you are bound by the Customer Terms & Conditions, where there is any inconsistency between these Website & App Terms and the Customer Terms & Conditions, the Customer Terms & Conditions shall prevail.

We may make changes to these Website & App Terms.

Information about us

The Platform is operated by Clove Group Limited ("Clove Group", "we", "us")

1. 1. Trading name: Clove
2. 2. Registered office address: 3rd Floor, 1 Ashley Road, Altrincham, Cheshire, WA14 2DT
3. 3. Email: help@clove.com

Eligibility and access

The Platform is intended for people who are resident in the United Kingdom and meet any eligibility criteria presented in the App/Website from time to time.

We may refuse, suspend or restrict access to the App if we reasonably believe you have breached these terms, provided false information, or used the Platform unlawfully or fraudulently.

Your account and keeping it secure

You are responsible for:

1. 1. keeping your login details secure;
2. 2. ensuring information you provide is accurate, complete and not misleading; and
3. 3. notifying us promptly if you believe your account has been accessed without your permission.

Acceptable use and misuse

You must not misuse the Platform, including by:

1. 1. introducing malware (viruses, trojans, worms, etc.);
2. 2. attempting unauthorised access to the Platform or related systems; or
3. 3. interfering with or disrupting the Platform.

Content on the Platform

1. 1. We do our best to keep the Platform content up to date, but it may not always be current. We don’t promise that everything will be accurate, complete or up to date, and we may update content from time to time.
2. 2. Anything we share on the Platform is for general information only and isn’t financial advice. If you’re unsure about anything, it’s a good idea to get professional advice that’s right for you.
3. 3. We work hard to keep the Platform running smoothly and securely, but we can’t guarantee it will always be free from errors, bugs or viruses. Please use appropriate virus protection software.

Open Banking

Clove Group Limited is an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number: 804718). Plaid provides you with regulated account information services through Clove Group Limited as its agent.

Your use of open banking will also be governed by Plaid’s terms and conditions and Privacy Policy which can be found at https://plaid.com/legal/#consumers.

Privacy and data protection

Your personal information is handled in accordance with our Privacy Notice.

Intellectual property

We own all intellectual property rights in the Platform and its content.

You are granted a limited, non-exclusive, non-transferable licence to use the Platform for your personal use in accordance with these terms.

Availability and changes

We will take reasonable steps to keep the Platform functional and secure, but we do not guarantee uninterrupted or error-free access. The Platform may be unavailable from time to time due to planned or unplanned maintenance, technical issues, or events beyond our control.

We may update, change, or withdraw features of the app at any time. Where changes materially affect your use of the app, we will notify you in advance where reasonably practicable.

Liability

To the extent permitted by law, we are not liable for losses arising from your use of (or inability to use) the Platform, including losses caused by outages, technical failures, or your failure to keep your account secure.

Nothing in these terms limits or excludes liability where it would be unlawful to do so (including for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation).

You agree to use our website and App for personal, non-commercial purposes only. This means we’re not responsible for any losses linked to business use, including loss of profit, loss of business, business interruption, or loss of business opportunity.

Ending your use

You may stop using the Platform at any time. We may suspend or terminate your access in accordance with these terms. On account deletion or closure, we will retain information as described in our Privacy Notice and as required by law.

Governing law

These terms are governed by the laws of England and Wales, and the courts of England and Wales will have exclusive jurisdiction.

Contact

For questions about the Platform or these terms, contact: help@clove.com.