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Terms and Conditions
Numbrs app

These Terms and Conditions (the Terms) set out the agreement under which we provide you with use of the Numbrs App. You can always find them in the Numbrs App and on our website.

When you tap [Agree and continue] you are agreeing to be bound by these Terms. Please read these Terms carefully before accepting them. No other terms apply to the provision of the Numbrs App except as set out in these Terms, unless we have agreed otherwise with you on them in writing. To use the Numbrs App, you must personally create an account. We do not accept registrations carried out by third parties on your behalf. If you have any questions, you can contact our support team at support@numbrs.com.

1. Who we are

We are Numbrs Personal Finance AG, Edenstrasse 20, 8045 Zurich, Switzerland (we, us).

2. The information we need from you

When you register for the Numbrs App, you will need enter your email address, set up a six-digit security code and a password. Your email address together with the security code and password (alternatively, you may use Touch ID or FaceID, depending on which functions your device supports) (your Sign-in Details) are used to access the Numbrs App.

In order for the Numbrs App to work, you will need to give us certain details which we will use to validate your identity with your bank and obtain information about your accounts and transactions from your bank. In addition, we will need access to certain information about the bank accounts you wish to add to the Numbrs App (your date of birth, sort code and log-in credentials to your online banking (your Bank Details)). We will only ask for details or access information needed to be able to make the Numbrs App work (so we would not, for example, ask you for a password for any voice telephone banking services).

Banks rightly encourage their customers to carefully protect their bank details in order to prevent fraud and misuse. When you use the Numbrs App, your Bank Details are stored fully encrypted and cannot be accessed by us. Nevertheless, certain banks may currently prohibit their customers from disclosing their bank details if they will be stored by the party to whom they are disclosed. However, for technical reasons, certain popular features of the Numbrs App (such as the automated retrieval of bank data in the background or the use of push notifications) can only be used if the Bank Details are stored. You can choose whether or not to store your Bank Details when using the Numbrs App. Please check with your bank whether you are permitted to provide your Bank Details to us before you use these features in the Numbrs App.

You must not use the Numbrs App in any way that breaches the terms of any contractual arrangements between you and your bank. It is your responsibility to ensure that you do not breach your banking terms as a result of your use of the Numbrs App and disclosure of information to us. We accept no responsibility for any loss of data and/or security breach that may occur as a result of you providing us with your Bank Details where you have provided them in breach of such terms except to the extent that we are directly responsible for the loss or damage. You can choose to stop storing your Bank Details in the Numbrs App at any time.

See paragraph 14 and our Privacy Policy for more information about how we use and protect your information.

3. What the Numbrs App does

View your UK bank accounts The Numbrs App allows you to view your UK bank accounts, including the details of all transactions which are applied to those accounts, at the least, from the moment of adding those accounts to the Numbrs App. For some bank accounts, the Numbrs App may also be able to show you transactions which were applied to that account prior to adding the bank account to the Numbrs App. The systems that we use to provide the Numbrs App do not allow access to accounts held by all banks. The Numbrs App will show a list of accounts that can be added. Our systems use your Bank Details to obtain information from your bank about your bank account transactions. By agreeing to these Terms, you authorise us, and other companies who provide services to us so that we can provide the Numbrs App (the Service Providers), to access websites managed by the banks you add to the Numbrs App in order to retrieve the requested information (e.g. details about transactions on your bank account, including dates, amounts, names of recipients). When we do this, you agree that we are acting on your behalf, and not on behalf of your bank. Your bank does not endorse or sponsor the Numbrs App.

Categorisation of Expenditure The Numbrs App allows you to monitor and control your spending habits. Therefore, all your payments are automatically categorised (for example, food or leisure). You can manually change the category for each individual transaction at any time and use these categories to help you budget. These features are provided for your information only and do not constitute any type of advice given by us to you.

Stay informed about payments The Numbrs App gives you the opportunity to be kept informed about payments to and from your bank accounts using push notifications. For technical reasons, this information will appear via the communication centre of the operating system of your device (for example, Apple Notification Centre). If you do not want to receive such notifications, you can disable push notifications on your device or change the settings in the Numbrs App.

Add your Loyalty Cards You can add your loyalty cards to the Numbrs App by entering your loyalty card number or by scanning the barcode. The barcode of the loyalty cards (e.g. Tesco Club Card or Sainsbury’s Nectar Card) will thereby be displayed within the Numbrs App, which will allow you to scan it in the respective store. You may not add another person’s loyalty card to your Numbrs account without their express permission. You have the option of adding your loyalty cards as a widget to the dashboard of your device. With this widget, you can easily access your loyalty card without having to open the Numbrs App and without unlocking your device. We assume no liability for any direct or indirect loss, damage or consequential damage of any kind whatsoever that may arise as a result of the addition of your loyalty cards as a widget.

The Numbrs App can only show you the information we receive from your bank or any other provider and we will not be responsible if the information we receive is not accurate. In addition, the Numbrs App depends on you giving us complete, accurate and up to date information (such as your account details).

You can only conclude one agreement with us in the UK, although you can download the Numbrs App on more than one device.

We have the right to refuse to accept your registration for the Numbrs App where we have a good reason for doing so (for example, if we think that accepting your registration would put us in breach of a law or regulation applying to us).

You can use the content delivered to you through the Numbrs App only in the Numbrs App.

New features that will soon be added to the Numbrs App The Numbrs App will allow you to transfer money within the UK in Pound Sterling from one of your bank accounts which you have connected with the Numbrs App to another bank account. In addition, the Numbrs App will enable you to transfer money to your contacts stored within the Numbrs App (the Numbrs App never interacts with the contacts held in your device's address book), without the manual entry of the IBAN or sort code and the account number.

It is important to understand that you can only initiate transfers with the Numbrs App. Furthermore, the Numbrs App can only display the information provided by your bank. The final execution of the transfer is done by your bank. Numbrs is only responsible for transferring the information you have entered in the Numbrs App to the bank which holds the account which you would like to make a payment from. Your bank will be fully responsible for processing the payment for you and this is outside of our control. Similarly, you are responsible for entering all the information needed in order to process the payment initiation completely and accurately in the Numbrs App.

You will be able to manually enter information regarding your personal financial goals and your assets, so that the Numbrs App can provide you with insights and projections regarding your financial behaviour. All of your data is stored in encrypted form and cannot be accessed by us.

The Numbrs App will have a Store feature. The Money Store will allow you to submit an application for bank products (such as an application to open a bank account, an application for a credit card or an application for a loan) and for insurance products. In the live chat of the Money Store, an employee of Numbrs, the “Money Store Expert” will guide you through the application process for the product of your choosing. The Money Store Expert will obtain the information that is required by the provider to complete your application (for example to conduct a credit check in the case of an application for a bank product).

After successfully filling out all the relevant forms for the application of a product in the Money Store, a contract will be generated in PDF format. The application will be available for you at any time in the Money Store chat and/or will be made available to you via email. In order to complete the application process, you may need to print and sign the contract and identify yourself (e.g. by taking the contract to any bank branch) by using an official identification document such as your personal identity card. Alternatively, some banks and insurers may accept video-identification as a means to verify your identity and may allow you to sign the contract digitally. Numbrs will inform you about the options available to you in the chat. The status of your application, including information about the conditions that were offered to you by the provider, can be seen at any time in your chat history in the Numbrs App.

As an additional service, the Numbrs App will under certain circumstances, automatically display the option to purchase a financial product from one or more participating banks. This can, for example, occur when an account has a negative balance or if the Numbrs App has determined, based on your transaction history, that you are already paying back an existing loan and may be eligible for cheaper loan conditions. Numbrs is thereby active as a broker of financial products.

Our brokerage activities are limited to suggesting and displaying financial products in the Numbrs App as well as supporting you through the application processes. Numbrs is constantly working on increasing the product offering in the Money Store so that you are free to choose from the best products at the best prices. Numbrs has no obligations to any product provider to handle any product in a preferential manner. We will stay true to our mission to bring our users the best products at the best prices. We depend on the remuneration we receive from the banks for the brokerage activities so that we can continue to offer you new and existing features in the Numbrs App free of charge.

4. Technical requirements and access to the Numbrs App

The Numbrs App may not work on all devices. In particular, if you install the Numbrs App on a device with an operating system that has been modified in a way that breaches the requirements of the manufacturer or supplier of the device, including circumventing any restrictions without authorisation (a Modified Device), then it may not work and you should not use it on this device. We will not be responsible for any loss caused by use of the Numbrs App on a Modified Device or by the failure of the Numbrs App to work properly or at all in that case. The Numbrs App may not work with all operating systems, and we will tell you which operating systems are compatible.

For the Numbrs App to work properly, you will sometimes need your device to be connected to the internet, and you should check how much this may cost you. We are not responsible for any charges imposed by your internet service provider for use of the internet. We will need to carry out planned and, occasionally, unscheduled technical maintenance from time to time, during which you will not be able to use the Numbrs App.

We cannot guarantee that use of the Numbrs App will be uninterrupted or error-free although this does not affect your legal rights, including to receive a service that is of satisfactory quality and operates as we have described it. As with most services that are being provided online, we also cannot guarantee that the Numbrs App is free of any viruses or other malicious code although we do everything we can to prevent this happening.

As we are likely to update the Numbrs App as technology develops or introduce new features, we recommend that you keep the Numbrs App, all other software on your device and your operating system up to date (for example, with respect to the latest security patches).

If you do encounter a technical error when using the Numbrs App, then please tell us about this using support@numbrs.com.

5. How we keep your information safe

For more information about how we use your information and keep it safe, you should refer to our Privacy Policy.

Data relating to transactions on your bank accounts registered with the Numbrs App is transferred in an encrypted form using a secure TLS/SSL connection to a data centre located in Germany. The data centre complies with applicable industry standards (PCI DSS and ISO27001).

In addition, your optionally stored Bank Details are also encrypted and transferred to our systems in order to enable push notifications as well as automatic updates of the data. Through the use of strict access controls, monitoring and encryption, we will ensure that your optionally stored Bank Details cannot be access by unauthorised third parties.

We may adapt the technical and organizational measures we use to protect your information (to reflect improvements in technology, for example) as long as this does not reduce the level of protection we apply to your information.

We cannot guarantee the security of your information if you use the Numbrs App on a Modified Device.

6. Your responsibilities

You must provide true, accurate, and complete information about yourself and the bank accounts which you add to the Numbrs App, and keep this information up to date (for example, if your contact details change or you close a bank account).

You must keep your Sign-in Details secret and protect them from being obtained or used by other people. In particular, you should not write them down or store them in a way that allows someone else to access the Numbrs App.

If your device is lost or stolen, anyone in possession of it might be able to access the Numbrs App. Apart from the possibility that someone might have also obtained the security details for your device, it is also possible for sophisticated hackers to get access to your device even if it is secured, and then they might be able to access the Numbrs App (for example, if they have access to your Sign-in Details).

This means, it is important that you tell us via email (support@numbrs.com) if your device is lost, stolen or infected by malware, or if you know or think that someone else has access to or has used your Sign-in Details. More information about security can be found on our website.

You promise that you will NOT:

  • try to access the account of a third party via the Numbrs App;
  • copy, reproduce, distribute, or create derivative works from the content delivered to you on the Numbrs App;
  • transfer or try to transfer viruses, trojans, worms or other malicious code into our systems;
  • hack, reverse engineer or manipulate our systems or try to do so;
  • bypass security features of the Numbrs App or try to do so; or
  • use the Numbrs App in a way that breaches any laws or regulations, or that might put us in breach of any laws or regulations.

If we have a reason to think that you have broken any of these Terms, we can temporarily suspend your access to the Numbrs App while we investigate. If we decide that you have not breached these Terms, we will restore your access to the Numbrs App as quickly as we can.

If you breach any of these Terms and we suffer any loss as a result of this, you agree that we may ask you to compensate us for these costs.

7. How we can change the Numbrs App or these Terms

We can change these Terms or change the Numbrs App for any of the following reasons:

  • to add new features to the Numbrs App;
  • to withdraw any features or functionality;
  • to reflect changes (including expected changes) to law or regulation, including any decisions of a court, regulator or ombudsman;
  • to reflect any changes to our costs of providing the Numbrs App; or
  • to respond to any changes of the technology we use or might want to use.

As these Terms have no expiry date and we hope that you will use the Numbrs App for a long time into the future, we may need to change these Terms or the Numbrs App where we have a good reason that is not listed above.

We will tell you about these changes by:

  • drawing the changes to your attention when you next access the Numbrs App and asking you to confirm your agreement to the changes; or
  • emailing you information about the change. We will use the email address you have provided. If we use an email to tell you about the change, we will give you at least 30 days' notice in advance of the change coming into effect.

We will also update the copy of these Terms held on the Numbrs App and on our website.

If you do not want to accept the change, you can end this agreement and delete the Numbrs App (see paragraph 9 for more information). If you do not end this agreement and delete the Numbrs App, the change will come into effect at the end of the notice period (for changes notified by email) or immediately (for changes notified through the Numbrs App).

8. Our liability if things go wrong

We are responsible to you for the loss or damage you suffer that is a foreseeable result of us breaching these Terms, except for where it is excluded by this paragraph 8 or otherwise in these Terms. Loss or damage is foreseeable if it is either obvious that it will happen or known by both you and us at the time you entered into these Terms that it might happen.

We are not legally allowed to exclude or limit our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or where the Numbrs App is not of satisfactory quality or not as described. Subject to this, we will not be liable to you for:

  • loss of profit or anticipated savings;
  • loss of business or business opportunity;
  • loss of goodwill; or
  • any special, indirect or consequential damage or loss.

9. Ending the agreement

These Terms have no set duration and do not expire. However, you can delete the Numbrs App and end this agreement with us without giving a reason at any time. If you want to end this agreement, inform us by sending an email to support@numbrs.com. If you ask us to stop processing your personal data or to delete all data stored in the Numbrs App, we will treat this as ending this agreement because the Numbrs App will not work without this data.

We may end this agreement and stop your access to the Numbrs App if we decide to stop supplying the Numbrs App to users in the UK. If we do this, we will give you at least 30 days’ notice to the email address registered with us.

In addition, if you seriously breach any of these Terms (especially your responsibilities in paragraph 6), then we may end this agreement and cancel your ability to use the Numbrs App immediately. If we do this, we will send notice to the email address registered with us. Please be advised that we are under no obligation to inform you of this in advance but are permitted do so if there is no legal reason preventing us.

10. Third parties we use to provide the Numbrs App

By using the Numbrs App, you are giving us and our Service Providers a licence to use any information, data, passwords, materials or other content (Content) that you provide to us or which we obtain access to through your use of the App. We and the Service Providers can use, display, modify and create new material using the Content to provide the Numbrs App.

The only data shared with Service Providers is data that is essential for the provision or improvement of the services which they provide to us. We will never sell your data to any third party.

11. Complaints, law and jurisdiction

If you have a complaint about the Numbrs App, please give us a chance to resolve it by sending an email to support@numbrs.com.

You may also submit a dispute for online resolution by using the European Commission Online Dispute Resolution Platform at https://webgate.ec.europa.eu/odr/.

The law of England and Wales applies to these Terms and you can bring legal action against us in the courts of England and Wales. In addition, you can also bring legal action against us in Scotland or in Northern Ireland if you live there.

If a court decides that we cannot rely on a part of these Terms, the rest of the Terms will continue to apply, as each of the provisions of these Terms operate separately.

12. Software licence

When you accept these Terms, you agree that we are granting you a non-exclusive, non-transferable licence to download and use the Numbrs App. This licence will end when you delete the Numbrs App or if we end the agreement under paragraph 9.

These Terms were last updated on October 26th, 2017.

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