Your Keebo Account

1. Our products and services

We provide a credit card and account information aggregation services (“Account Information Services”) via our mobile application (the “App”).

We may change or provide new products and services via the App over time where we have a valid reason, but we will not materially diminish or remove products and services without reasonable notice to you, except where necessitated by a material third-party provider or as required by law. When we make changes to products or services, you may terminate this agreement straightaway by giving us notice that you want to end it and repaying what you owe us.

2. Applying for a Keebo Account

When you create a Keebo account via the App (a “Keebo Account”), you will need to provide certain personal data. If you apply for a Keebo credit card, you will need to connect at least one current account that is held with a financial institution or that provides financial data and is linked to, or authorised for use through, your Keebo Account (a “Linked Account”). 

Personal data may include your name, contact information, and date of birth, and documentary information used to verify your personal data (such as personal identification) and details from Linked Accounts and other information we may request from time to time.

If you apply for a Keebo credit card, we may approve or decline your application or grant you provisional access to your Keebo Account while your application is pending additional review. We rely on the accuracy of personal data when opening and maintaining your Keebo Account. We may deny accounts, credit card applications, interrupt provision of the account information services to you, or suspend or close your Keebo Account for any reason including where personal data is incomplete, inaccurate, or out of date. You will keep personal data current, complete, and accurate in your Keebo Account whether we provide you with full or provisional access.

3. Using our product and services

By registering or applying for a Keebo Account, you agree and confirm:

a) all the information you have provided to us and/or the financial institution (where applicable) is accurate and correct and you are the person whose details you have provided;

b) you can enter into a legally binding agreement with us;

c) you will only use the App for the purposes envisaged by this agreement;

d) you have provided a current address, telephone number and e-mail address and will notify us immediately if your contact details change; and

e) you are over 18 years of age.

To apply or register for a Keebo Account, you must provide personal information for use in analysing your financial data, including your name, date of birth and email address.

We reserve the right, in our sole discretion, to refuse to provide any products and services to you.

When you create a Keebo Account, you will be asked to set a password. You agree to keep your password and Keebo Account information strictly confidential and you must not disclose them to any third party. You agree to protect them in the same way as you would details of your bank account or your bank cards. Any failure to do so will be at your sole risk and expense.

You agree that we are entitled to assume all correspondence, orders, transfers and instructions made by reference to your password and Keebo Account are made by you, and that all correspondence and instructions posted by us via your Keebo Account have been received by you. You agree to inform us immediately (via the App or by e-mail) if you know or suspect that any of your Keebo Account information or password has been compromised or are being misused so that we may suspend your account.

We have the right to disable your Keebo Account or password at any time if, in our reasonable opinion, you have failed to comply with any material provisions of this agreement.

You agree to inform us as soon as possible if any information provided by you or contained in your Keebo Account changes and/or if you become aware of any errors with respect to your Keebo Account and/or if you lose access to your Keebo Account for any reason whatsoever.

The App is directed to people residing in the United Kingdom. We do not represent that content or services available on or through the App is appropriate for use or available in other locations.

4. Our mobile application

To improve the App and its functionality, we will ask you to update it from time to time.

We grant you a limited licence to use this App on the basis of this agreement. You may not transfer this licence to any other person. This licence is not exclusive to you. We can withdraw this licence at any time subject to providing you with reasonable notice or where there is a valid reason, for doing so.  If we withdraw the licence, we will inform you immediately.

We may change these terms and conditions at any time and you may withdraw from this agreement at any time subject to providing us with at least 30 days’ notice.