Website Terms of Use

1.1 These terms of use ("Terms") govern your access to and use of www.teido.com and any of its pages and sub-domains (the "Website").

1.2 The Website is operated by Teido (UK) Limited ("Teido", "we", "us", "our"), a private limited company registered in England and Wales under company number 14637258, with its registered office at One Bartholomew Close, London EC1A 7BL. You can contact us at info@teido.com.

1.3 By using the Website you agree to these Terms. If you do not agree, please do not use the Website.

1.4 These Terms refer to and should be read with our Privacy Notice, Cookie Policy and Legal & Regulatory Information page, which also apply to your use of the Website.

2.1 The Website is aimed at businesses and professional users in the United Kingdom who are interested in financial infrastructure technology. It is not directed at consumers, children, or persons in any jurisdiction where its content would be unlawful.

2.2 If you use the Website on behalf of a business, you confirm that you have authority to accept these Terms on its behalf.

3.1 The content on the Website is provided for general information only. It is not legal, financial, tax, regulatory or investment advice, and you should not rely on it as such. You should obtain professional advice before acting on any content.

3.2 Nothing on the Website is an offer, invitation or inducement to enter into any contract or to engage in any investment activity, and nothing on the Website is a financial promotion.

3.3 The Teido platform is in development. Descriptions of products, features, integrations, timelines and availability describe our current plans and intentions. They may change, may not be available in every jurisdiction, and are not a commitment to provide any feature. Any services will be provided only under a separate written agreement.

3.4 Teido (UK) Limited is not authorised or regulated by the Financial Conduct Authority (FCA) and is not a bank, electronic money institution or payment institution. Teido provides technology and software and does not itself provide regulated payment services through the Website. Any regulated payment services referenced on the Website are provided, where applicable, by an appropriately authorised third-party provider under separate terms. Details of the relevant provider and its authorisation will be provided to customers in the applicable service documentation. See our Legal & Regulatory Information page.

3.5 Comparisons, illustrations, sample figures and interface images on the Website are illustrative only and are not based on actual customer data or benchmarked studies unless stated otherwise.

4.1 We may update, suspend or withdraw the Website, or any part of it, at any time without notice. We do not guarantee that the Website, or any content on it, will always be available, uninterrupted or up to date.

4.2 We may revise these Terms from time to time. The version in force is the one on this page when you use the Website, and the "last updated" date shows when it was last changed.

5.1 You must not use the Website:

• in any way that breaches any applicable law or regulation, or that is fraudulent or has a fraudulent purpose or effect;
• to submit information that you know to be false or misleading, including through the complaints, fraud reporting or chargeback request forms;
• to transmit, or procure the sending of, unsolicited advertising or promotional material;
• to knowingly introduce viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful;
• to attempt to gain unauthorised access to the Website, the server on which it is stored or any connected server, computer or database, or to attack the Website by denial-of-service or similar means;
• to scrape, harvest or extract data from the Website by automated means, except as permitted by law or by a search engine indexing the Website in line with our robots.txt file;
• to copy, reverse engineer or decompile any part of the Website, except as permitted by law.

5.2 Breaching paragraph 5.1 may be a criminal offence under the Computer Misuse Act 1990. We may report any such breach to the relevant law enforcement authorities and co-operate with them, including by disclosing your identity to them.

5.3 If you believe you have found a security vulnerability in the Website, please report it responsibly to info@teido.com and do not exploit or disclose it.

6.1 When you submit a form or contact us, you must make sure that the information you provide is accurate and that you have the right to share it, including any personal data about other people or any attachments.

6.2 Please only send us the information we ask for. Do not send us full payment card numbers, security codes, PINs, passwords or online banking credentials through the Website or by email.

6.3 We handle personal data in line with our Privacy Notice.

6.4 If you send us ideas, suggestions or feedback about our products or the Website, we may use them without restriction or obligation to you, but we will not identify you publicly without your permission.

• Platform in development. The Teido platform is in development. Features are introduced as they become available and may vary by jurisdiction and implementation.
• No advice or offer. Content on this Website is general information only. It is not legal, financial or regulatory advice, and it is not an offer or a financial promotion.
• Forward-looking statements. Statements about future features, markets or plans reflect current intentions and may change.
• Group companies. Teido group companies are separate legal entities. Each is responsible only for its own activities, and only those entities that hold a licence or registration are regulated.

8.1 We, or our licensors, own all intellectual property rights in the Website and its content, including text, graphics, logos, software and design. The "Teido" name and logo are our trade marks. All such rights are reserved.

8.2 You may view, and print or download extracts of, pages of the Website for your own internal business reference. You must not otherwise copy, modify, distribute or commercially use any part of the Website content without our written permission, and you must always acknowledge our status as the author of any content you use.

8.3 Third-party names, logos and trade marks shown on the Website belong to their respective owners and do not imply endorsement unless stated.

9.1 Where the Website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over those sites or resources and are not responsible for their content, availability or privacy practices.

9.2 You may link to our home page provided you do so fairly and lawfully, and do not suggest any association, approval or endorsement on our part where none exists. We may withdraw linking permission at any time.

10.1 We take reasonable steps to keep the Website secure, but we do not guarantee that it will be free from bugs or viruses. You are responsible for configuring your information technology and computer programs to access the Website and should use your own virus protection software.

11.1 Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under the laws of England and Wales.

11.2 If you are a business user: to the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to the Website or its content, whether express or implied. We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty or otherwise, arising under or in connection with use of, or inability to use, the Website, or use of or reliance on any content on it. In particular, we will not be liable for loss of profits, sales, business or revenue; business interruption; loss of anticipated savings; loss of business opportunity, goodwill or reputation; or any indirect or consequential loss or damage.

11.3 If you are a consumer: the Website is provided for business use. If you use it as a consumer, we only provide it for domestic and private use, and we are not liable to you for any loss of profit, loss of business, business interruption or loss of business opportunity. We are responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our failure to use reasonable care and skill. Nothing in these Terms affects your statutory rights.

11.4 Where a separate written agreement between you and us applies, the liability provisions of that agreement will govern matters within its scope.

12.1 We may suspend or restrict your access to the Website, or block communications from you, if we reasonably believe you have breached these Terms.

13.1 Severability: if any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force.

13.2 No waiver: if we do not insist on you performing any obligation, or delay doing so, that will not prevent us from taking steps against you later.

13.3 Third-party rights: no person other than you and us has any right to enforce these Terms under the Contracts (Rights of Third Parties) Act 1999.

13.4 Transfer: we may transfer our rights and obligations under these Terms to another organisation.

13.5 Language: these Terms are in English and all communications will be in English.

14.1 These Terms, their subject matter and their formation (and any non-contractual disputes or claims) are governed by the laws of England and Wales.

14.2 If you are a business user, the courts of England and Wales will have exclusive jurisdiction. If you are a consumer, you may bring proceedings in the courts of England and Wales or, if you live in Scotland or Northern Ireland, in the courts of that country.

If you have any questions about these Terms, please contact us at info@teido.com or write to us at the address in paragraph 1.2. To make a complaint, please see our Complaints Policy.