These terms set out the basis on which you may use the website at https://www.saladmoneymind.co.uk (our Website).
Our Website enables NHS employees to benchmark their spending against fellow employees and the optional Benefit Entitlement Service which enables users to find out if they are entitled to any state benefits (the Service). The Service is provided free of charge.
The Website is operated by OBWORKS LIMITED (we, us, our or Money Mind). We are a limited company registered in England and Wales under company number 12417206 and have our registered office at49 Greek Street, London, England, W1D 4EG.
Money Mind is an Account Information Service Provider (AISP). Money Mind is not a financial adviser and is not authorised to provide advice under the Financial Services and Markets Act 2000. If you require authorised financial advice, please contact an authorised adviser. We are registered with the Information Commissioner's Office (ICO), which is the UK supervisory authority for data protection issues, with registration number ZA794973.
To contact us, including if you wish to make a complaint about our Website or the Service, please email email@example.com, telephone our customer service line on 0203 092 0892 or write to us at49 Greek Street, London, W1 4EGIf your complaint is about how we store or process your personal information, you can also contact the ICO, although we would appreciate the opportunity to resolve your concern first.
The Terms apply to you whether you are visiting our Website or have registered to be a user of the Service (a User) through the Website. If you intend to become a User you will first have to accept the Terms as part of the registration process.
The Terms should be read carefully. We recommend that you print or save a copy of the Terms for future reference.
You acknowledge and agree that we may disclose your identity and information relating to your Transactional Information (defined below) and/or User Account to third parties if we are required to do so by applicable law or court order
We amend the Terms from time to time, and you are deemed to accept and agree to be bound by any amendments to the Terms when you use our Website or the Service after these amendments have been made. Every time you wish to use our Website or the Service, please check these terms to ensure you understand the terms that apply at that time. These terms were most recently updated on 26th January 2021.
We may update and change our Website or the Service from time to time.
Our Website and the Service is made available free of charge. We do not guarantee that our Website or the Service will always be available or be uninterrupted. We may terminate, suspend, withdraw or restrict the availability of all or any part of our Website or the Service with immediate effect and at our complete discretion, including for business and operational reasons, including (but not limited to) the malfunction of equipment, periodic updating, maintenance or repair. We will try to give you reasonable notice of any suspension or withdrawal.
You are also responsible for ensuring that all persons who access our Website through your internet connection are aware of the Terms and other applicable terms and conditions, and that they comply with them.
To use the Service, you must agree to Yapily’s terms and conditions when sharing your bank transactions. Yapily will automatically download transactional information from your Personal Account(s) (Transactional Information) and will continue to do so at certain times until you withdraw your consent for it to do so. Yapily will share this Transactional Information with our sister company, SALAD TECHNOLOGIES LIMITED (Salad Tech), who will pass that Transactional Information on to us.
You hereby appoint Yapily as your agent and grant them access to retrieve your Transactional Information from your Personal Account(s) on your behalf in order to facilitate the provision of the Service. You hereby grant to Yapily, Salad Tech and Money Mind a non-exclusive, royalty-free licence to use your Transactional Information for all purposes connected with the Service or referred to in the Terms with the right to use, modify, display, distribute and create new material using or incorporating that information in order to provide the Service to you. You acknowledge and agree that you are entitled to submit the Transactional Information to us for use in providing the Service to you, and you confirm that we will not incur any fees, or be subject to any limitations, in using the Transactional Information in this way.
You acknowledge and agree that neither our Website nor the Service is endorsed or sponsored by the third party provider(s) of your Personal Account(s).
We do not validate the accuracy of the Transactional Information. We rely on the provider(s) of your Personal Account(s) to ensure that the Transactional information is up to date and accurate.
The Service helps you to understand and then better manage your finances.
Our sister company, SALAD FINANCE LIMITED (Salad Money), offers affordable credit to NHS employees through their website at https://www.saladmoney.co.uk and is authorised and regulated by the Financial Conduct Authority, with reference number 795723. Our Website and the Service is operated entirely independently of the services made available by Salad Money, and Salad Money has no responsibility or liability for our Website or the Service. By using the Website and/or the Service, you acknowledge and agree that this is the case.
We may transfer our rights and obligations under the Terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights.
You warrant that you are at least 18 years old and a resident of the United Kingdom.
Our Website and the Service is directed to people residing in the United Kingdom. We do not represent that content available on or through our Website, or the Services, are appropriate for use or available in other locations.
Your right to access and use our Website and the Service is personal to you and is not transferable by you to any other person or entity. You agree to provide us with accurate information and not to misrepresent your identity or User information. We are under no obligation to check the accuracy of the User information that you provide to us, but you hereby authorise us to, directly or through a third party, obtain, verify and record information and documentation that helps us to verify your User information if we wish to do so.
You will notify us if any of your User information changes (name, e-mail address, etc). If you fail to do this, we may be unable to deliver alerts and notifications to you, meaning that you will be unable to enjoy the full functionality of the Service.
You may only access and use our Website and the Service for lawful purposes.
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 (together, User ID), you must treat that information as confidential. You must not disclose your User ID to any third party.
We have the right to disable any User ID, 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 the Terms.
You are responsible for maintaining the confidentiality of your User ID. If you know or suspect that anyone other than you knows your User ID, you must immediately notify us at firstname.lastname@example.org.
If you are a User, we will send any necessary notifications to you at the e-mail address that you provided when you signed up for the Service. This includes notifications regarding a material change to our Website, the Service or the Terms.
As part of the Service, we will use the same e-mail address to send Users regular alerts and updates which can be customised, deactivated or reactivated by you as a User. From time to time we may add new alerts, or cease providing certain alerts at our absolute discretion.
The alerts that we send to you as a User may include links to detailed information about your accounts and spending activities, meaning that this information will be visible to anyone who has access to your e-mail account and your User ID. To ensure this information stays private, you are responsible for keeping your e-mail account password and User ID confidential and restricting access to your computer or any other device through which you use the Service.
As a User, you acknowledge and agree that any alerts provided to you through the Service may be prevented or delayed by a variety of factors that are beyond our control. We do not guarantee the delivery, punctuality or content of any alert sent through the Service. You acknowledge and agree that we will not be liable for: any delays in delivering, failure to deliver or the misdirected delivery of any alert; any errors in the content of an alert; or any acts or omissions of you or any third party determined in reliance on the content of an alert.
We are the owner or the licensee of all intellectual property rights in our Website, and in the material published on it or through the Service. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may download or print off one copy of any page(s) from our Website or provided to you through the Service for your personal use and you may draw the attention of others within your organisation to content posted on our Website or provided to you through the Service.
You must not modify the materials you have downloaded or printed off, 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 or provided through the Service must always be acknowledged.
You must not use any part of the content on our Website or provided through the Service for commercial purposes without obtaining a licence to do so from us or our licensors.
If you breach the terms of this paragraph 10, your right to use our Website and the Service will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
The content provided on our Website or through our Service is for general information only and is made available on as “as is” and “as available” basis. 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.
We only provide our Website and the Service for domestic and private use. You agree not to use our Website or the Service for any commercial or business purposes.
We make no representations, warranties or guarantees, whether express or implied, that the content on our Website, or information provided through the Service:
is accurate, complete or up to date and we expressly disclaim any warranties of non-infringement or fitness for a particular purpose; and
is free of infection from any viruses or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, surreptitiously intercept or expropriate any system, data or personal information.
Where our Website contains links to other websites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.
We have no control over the contents of those websites or resources.
We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation. Our liability to you in respect of a claim under or in connection with these Terms, or the provision or receipt of the Service, whether in contract, tort or otherwise, shall not exceed £100.
We are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen. We only provide our Website and the Service for domestic and private use. You agree not to use our Website or the Service for any commercial or business purposes, and we have no liability to you for: (a) loss of income, profits, sales, business, revenue or data; (b) business interruption; (c) loss of anticipated savings; (d) loss of business opportunity, goodwill or reputation; or (e) any indirect or consequential loss or damage of any kind, in each case that arises in whole or part from your breach of this clause. If defective digital content that we have supplied, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.
You hereby indemnify and hold harmless Money Mind and our affiliates for any losses, damages, costs (including reasonable legal costs) and expenses (including taxation), in each case of any nature whatsoever, that are suffered or incurred by us or our affiliates as a result (in whole or in part) of your breach of any provision(s) of the Terms.
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 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 that is malicious or technologically harmful;
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;
use any robot, spider, scraper, deep link or other data gathering or extraction tool, program, algorithm or methodology to access, acquire, copy or monitor the Website or any portion of it;
use or attempt to use any engine, software, tool, agent or other device to navigate or search the Website, other than search engines and search agents available through the Website or through generally available third party web browsers;
attack our Website via a denial-of-service attack or a distributed denial-of service attack; or
attempt to decipher, decompile, disassemble or reverse engineer any of the software comprising, or in any way contributing to, the Website or the Service.
By breaching paragraph 16.3, 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 and the Service will cease immediately.
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 Website, 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 link to or make any use of content on our Website other than that set out above, please contact email@example.com.
When you sign up to be a User of the Service you do so for an initial period of 12 months (the Service Term).
At the end of the Service Term, your User Account will be closed automatically unless you notify us that you wish to continue to use the Service under a new Service Term.
We will notify you within 10 days of the end of the Service Term that the Service Term is coming to an end, and you will be asked to tell us whether or not you wish to continue to use the Service under a new Service Term.
If you notify us before the end of a Service Term that you wish to continue to use the Service under a new Service Term, your User Account will automatically roll into a new Service Term and all User Account data will continue to be available during that Service Term.
If you fail to notify us before the end of a Service Term that you wish to continue to use the Service under a new Service Term, your User Account will be closed and the provisions of paragraph 18.7 below will apply. This means that, if you decide to re-register for the Service, you will be required to set up a new User Account and all User Account data from your previous use of the Service will be unavailable.
You may decide to terminate your use of the Service at any point during a Service Term. To do so, please email firstname.lastname@example.org with full details of your User Account. We will take all steps necessary to close your User Account and will instruct Yapily to cease accessing your Personal Account(s) for the purpose of this Service.
The Website and the Service are provided free of charge, so we reserve the right to terminate them for any reason, with immediate effect and at our complete discretion. In particular, we may terminate your use of our Website or the Service if: (a) you have breached the Terms or have acted in a manner which clearly shows that you do not intend to, or are unable to, comply with the Terms; or (b) we are required to do so by law.
If you are a consumer, please note that the Terms, their subject matter and their formation, are governed by the law of England and Wales. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.
"SALAD MONEY MIND" is a UK registered trade mark of SALAD FINANCE LIMITED. You are not permitted to use it without our approval, unless it is part of material you are using as permitted under paragraph 10 above.
Nothing in the Terms creates any agency, partnership, joint venture, employment or franchisee relationship between you and us.
If a court finds part of the Terms illegal, the remaining Terms will continue in full force and effect.
A person who is not a party to the Terms will have no right to enforce any of them.
If we delay in enforcing the Terms, we can still enforce them later. We are not responsible for any delay in performing or a failure to perform our obligations under the Terms if that delay or failure is due to events or circumstances beyond our reasonable control.
The Terms represent the entire agreement and understanding between you and us regarding your use of our Website and the Service and supersede all previous agreements between us.