Terms & Conditions

Last updated: May 2026

Part A — Background

1. Our relationship with you

The SpotOn Money Relationship Agreement (the “Agreement”) comprises the terms and conditions governing the relationship between the individual (acting outside the course of a business or profession) named in the Application Form (the “Customer”, “you”, “your”) and Monex International Limited trading as SpotOn Money (“SpotOn Money”, “SpotOn”, “us”, “we”, “our”), that apply to our cross-border remittance service. Monex International Limited (company number 04974470) is a wholly-owned subsidiary of Spot On Money Limited (company number 10798621).

Our Service allows you to send money from the UK to a Beneficiary in another country. You initiate a Transfer on our Online System, pay the Payment Amount to our Nominated Account by bank transfer, and once we receive cleared funds we send the equivalent amount (in the destination currency) to your Beneficiary (collectively, the “Services”).

The following documents are incorporated into and form part of the Agreement:

• the terms and conditions set out in this document (the “Terms”); and
• any terms and conditions set out in the Application Form.

We will provide you with separate terms and conditions for any services that fall outside the scope of the Agreement (for example, when we launch our card, eSIM, or e-Wallet products).

We recommend that you retain a copy of all the documents that make up the Agreement. If you would like a copy, please contact us using the details in clause 11.

In the event of any conflict, any terms and conditions in the Application Form shall prevail over the terms and conditions of this Agreement.

While this Agreement is in force, we will provide a copy of this Agreement to you on request.

These Terms are divided into four parts:

• Part A — Background sets out the terms and conditions governing our relationship with you;
• Part B — Our Remittance Service sets out the specific terms governing how the Service works;
• Part C — General sets out general information and other important terms governing the Agreement; and
• Part D — Terms of Use sets out the rules for using our website.

2. Definitions and Interpretation

Where the words set out below are used with capital letters in these Terms, they have the following meanings:

• “Applicable Laws” means any applicable law, statute, regulation or legally binding requirement or order as interpreted taking appropriate account of regulatory policy, guidance or industry code, relating to either of the parties or subject matter in question, including (as amended from time to time) (i) the EMRs; (ii) the PSRs; (iii) the UK Money Laundering Regulations 2017; (iv) the Proceeds of Crime Act 2002; (v) the UK Terrorism Act 2000 (as amended); and (vi) UK and international financial sanctions regimes.
• “Application Form” means Part 1 of the Application Form, any supplemental terms and any other information submitted by you therein.
• “Authorised Party” means any natural person listed as an "Authorised Party" in Part 1 of the Application Form.
• “Beneficiary” means the third-party payee which you nominate in your Order (or yourself, where you are sending money to your own account abroad).
• “Beneficiary Account” means the bank account to which we will send funds on your behalf.
• “Business Day” means a day on which banks are open for general banking business in the City of London.
• “Delivery Date” means the Business Day on which we will send funds to the Beneficiary Account, after receipt of cleared Payment from you.
• “EEA” means the European Economic Area.
• “Effective Date” means the date on which this Agreement takes effect under clause 4.
• “EMRs” means the Electronic Money Regulations 2011 (as amended from time to time).
• “Force Majeure Event” means an event which is due to abnormal and unforeseeable circumstances beyond a party’s control, the consequences of which would have been unavoidable despite all efforts to the contrary, which may include an act or omission of government, any regulatory body or other competent authority, an interruption, failure or defect, or non-operation of our internet and telephone connections or other communication services.
• “Insolvent” means you or any other person takes (or threatens to take) any step in connection with: (a) your bankruptcy (including, for the avoidance of doubt, if a bankruptcy petition is presented against you, or you petition for your own bankruptcy); (b) the making of any composition, compromise, assignment or arrangement with any of your creditors; (c) the appointment of an interim receiver of your property under section 286 of the Insolvency Act 1986; (d) the appointment of a receiver in respect of you under the Mental Health Act 1983; (e) the appointment of any other receiver or manager of any of your assets; (f) any analogous procedure in any jurisdiction; or (g) you are unable or admit inability to pay your debts as they fall due or you are deemed to be or declared to be unable to pay your debts under applicable law.
• “Nominated Account” means the SpotOn bank account specified in the Payment Instruction Confirmation, to which you must send the Payment Amount.
• “Online System” means the electronic platform and interface (hosted by us) through which you can access most (but not all) of the Services.
• “Order” means a Transfer request you submit to us, specifying the Beneficiary, the destination currency, and the amount to send (or to be received).
• “Payment” means cleared funds received by us from you in respect of an Order.
• “Payment Amount” means the full amount which you are required to pay us to fulfil your Order, as specified in the Payment Instruction Confirmation.
• “Payment Instruction Confirmation” means the email or document we send you confirming the Payment Amount, the destination currency, the exchange rate we will apply, the Beneficiary’s details, and our Nominated Account details.
• “PSRs” means the Payment Services Regulations 2017.
• “Services” means the cross-border remittance services described in clause 1 and Part B.
• “SpotOn Representative” means any of our representatives who you may contact with respect to the Services.
• “Transaction Receipt” means a confirmation sent by us (by email) setting out details of an executed Transfer.
• “Transfer” means a transfer of funds to a Beneficiary nominated by you.

We have split the Terms into sections and inserted a number of headings to make them easier to read. The headings are not intended to affect the way that the Terms are interpreted.

3. How to access our Services

To use our Services, you must register by either:

• using our Online System, clicking on “Open Account” and following the instructions; or
• completing a paper Application Form (which we shall provide to you) and signing and returning your Agreement to us.

You must:

• take all reasonable steps to keep your log-in details safe at all times and never disclose them to anyone (it is advisable to change your password regularly — at least every three to six months — in order to reduce the risk of a security breach);
• contact us without undue delay if you suspect your log-in details, password or other security features have been lost, stolen, misappropriated, used without authorisation or otherwise compromised; and
• change your password if you think someone else knows it.

We may request additional documentation from you to comply with our obligations to our regulators or otherwise under Applicable Laws.

4. Your relationship with us

This Agreement shall take effect immediately upon:

• your registering via our website or mobile app and clicking to accept the Terms; or
• (if we communicate by phone or by email) our receipt of a signed scanned copy of this Agreement.

This Agreement shall commence on the Effective Date and continue in full force and effect indefinitely unless and until terminated by you or us under clause 9.

You must tell us as soon as possible if any of the information you have given us changes, including:

• a change of name, address or Authorised Parties; or
• a material change to your financial position.

5. Your warranties

You represent and warrant to us that as at the time of entering into this Agreement (and on an ongoing basis):

• you will at all times comply with all Applicable Laws and you will not use the Services for the purposes of money laundering, tax evasion or terrorist financing;
• you will not use our Services for any speculative trading, hedging, or for any purpose other than legitimate cross-border remittance to a known Beneficiary; and
• all of the information provided to us (including in the Application Form) from time to time is true, accurate and complete.

6. Liability

As these Terms are provided to you as an individual, we will not be liable for any business losses or costs you suffer (such as loss of business profits or opportunities).

We shall not be liable to you for any losses you incur:

• if we are prevented by Applicable Law from fulfilling any of our obligations under this Agreement;
• arising out of or in connection with a Force Majeure Event; or
• arising out of or in connection with any Transfer where we have acted on your direct instructions.

Nothing in this Agreement shall operate to exclude or restrict either party’s liability for:

• death or personal injury resulting from negligence;
• fraud, fraudulent misrepresentation or deceit; or
• anything else which cannot be restricted or excluded under Applicable Laws.

7. Set-off Rights

We may at any time set off any amounts which you owe to us against any liability we have towards you (whether under this Agreement or otherwise). If the liabilities to be set off are expressed in different currencies, we may convert either liability at the market rate for the purpose of the set-off.

All amounts due to us under this clause 7 shall be paid to us in full and you shall only be able to deduct or withhold any amounts subject to tax as required by Applicable Laws.

If a payment is overdue for more than seven days, you shall pay interest on the overdue amount at the rate of 3% per annum above NatWest Bank PLC base rate (or any successor rate) from time to time. Such interest shall accrue on a daily basis from the due date until actual payment of the overdue amount.

If any amount remains unpaid, we may take debt collection measures including appointing a debt collecting agency or other third parties to assist with the recovery of any amounts due and payable by you to us.

8. Changes to this Agreement

We will from time to time need to change the terms of this Agreement. We can anticipate some of the reasons why it would be fair for us to do this, and have listed them below, but may in the future also want to make changes for other reasons.

We can make a change to this Agreement for any reason (including the following), with any change being a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect us:

• because of a change in Applicable Laws — for example we may have to change our security or know-your-customer requirements to meet new, higher standards set by law;
• if the change benefits you — for example when introducing new products or services or improving existing ones;
• to reflect a change in our costs of providing the Services — for example by introducing a new fee;
• in response to possible risks to the security of the Services — for example by changing the security steps you need to follow to access your account or submit an Order; or
• to respond to any other change that affects us, if it is fair to pass on the effects of the change to you — for example to reflect developments in digital payments.

We may make changes for any other reason we cannot foresee, for example to respond to changes among our competitors that affect how we wish to deliver our services to you.

We shall notify you of any change to this Agreement in writing (either by post or email). The proposed variation shall come into effect automatically on the date stated in our notice, such date to be at least two months after the date of receipt of the notice.

You can then tell us at cs@spoton.money that you wish to end this Agreement before the change takes effect; otherwise, you will be treated as having accepted the change.

9. Termination

You may terminate this Agreement at any time without reason by giving at least one month’s prior notice to us.

We may terminate this Agreement at any time without reason by giving at least two months’ prior notice to you.

We may terminate this Agreement immediately without notice (in whole or in part) if:

• you are using our Services fraudulently or illegally;
• we are required to do so by law or a regulator;
• in our view (acting reasonably), we must do so to fulfil our legal or regulatory obligations; or
• you breach this Agreement.

We will tell you that we are doing this as soon as we can if the law allows us to.

Otherwise, we may suspend or terminate this Agreement or the Services (in whole or in part) at any time with immediate effect by giving notice if:

• you breach any material representation or warranty or are otherwise in material breach of this Agreement;
• you breach or otherwise fail to comply with any Applicable Laws;
• we have any material concerns over the adequacy of the information you have provided to us;
• you are Insolvent;
• an applicable regulatory or law enforcement authority initiates a regulatory or enforcement action, or investigation, against you;
• there is any other change in your circumstances (including a deterioration in or change to your financial position) which we consider materially adverse to the continuance of the Services;
• a Force Majeure Event continues for more than three successive calendar months; or
• in our reasonable opinion, you are no longer suitable to receive the Services.

10. Consequences of Termination

On the expiry or termination of this Agreement for any reason you shall:

• immediately make payment in full for all pending Orders that you have placed with us; and
• except as otherwise expressly provided in this Agreement and subject to any rights or obligations which have accrued prior to termination, neither party shall have any further obligation to the other under this Agreement.

Following termination of this Agreement, we will:

• complete or, where appropriate, cancel and refund any pending Orders; and
• deduct any fees and other amounts owing under this Agreement from any sums due to be returned to you.

The termination of this Agreement shall not affect any provisions of this Agreement that are expressly or by necessary implication intended to survive such termination.

11. Contacting us / Complaints

If you wish to contact us regarding the Services, you can do so (unless we say otherwise) through a SpotOn Representative or by emailing cs@spoton.money.

If you are unhappy with any of our Services, you can contact us in writing using any of the following details:

• Post: Compliance Department, Monex International Limited, 32 Spring Street, Paddington, London, W2 1JA
• Email: cs@spoton.money

If you want to speak to a SpotOn Representative directly, please use the contact telephone numbers on our support page.

If your complaint remains unresolved, you may be entitled to refer it to the Financial Ombudsman Service ("FOS"). Further information, contact details and the eligibility requirements can be located on www.financial-ombudsman.org.uk. In certain circumstances you may also be able to submit your complaint to the FCA, who will use your complaint to inform their regulatory activities. For further details please contact the FCA on 0800 111 6768 (freephone).

Our Services are not covered by the UK Financial Services Compensation Scheme.

Part B — Our Remittance Service

12. How our Service works

SpotOn Money is a cross-border remittance service. It enables you to send money from the UK to a Beneficiary in another country. The end-to-end flow is as follows:

1. You initiate a Transfer on our Online System (or by telephone or email), specifying the destination currency, the amount to send (or to be received), and the Beneficiary’s details.
2. We send you a Payment Instruction Confirmation setting out the Payment Amount you need to pay us, the exchange rate we will apply, the destination currency, and our Nominated Account details.
3. You pay the Payment Amount to our Nominated Account by bank transfer.
4. On receipt of cleared funds, we send the equivalent amount in the destination currency to the Beneficiary Account you nominated.

We do not currently offer any of the following, and these terms do not cover them:

• currency accounts, electronic money accounts, or any service in which we hold a balance of funds on your behalf;
• foreign exchange trading or speculation;
• limit orders, forward contracts, spot contracts, or any other FX derivatives;
• hedging products of any kind.

Monex International Limited is authorised by the Financial Conduct Authority as a Small Payment Institution (FRN: 510848). The Services constitute payment services under the PSRs.

13. Placing an Order

You can place an Order online, by telephone or by email:

• Online: log on to the Online System (using your password and log-in details) and follow the instructions to submit your Order.
• Telephone: call a SpotOn Representative and specify your Order, together with such other information as we may reasonably request.
• Email: email us and specify your Order.

Once we have received your Order, we will send you a Payment Instruction Confirmation setting out:

• the Payment Amount you need to pay;
• the destination currency and the exchange rate we will apply;
• the Beneficiary’s details as you provided them;
• our Nominated Account details for you to make payment to;
• the indicative Delivery Date; and
• any additional terms which we intend to apply to the Order.

You must carefully review the Payment Instruction Confirmation and tell us before making Payment if you think any of the details are incorrect. If you placed your Order by telephone or email, you must tell us within one (1) hour of receipt. We will provide you with a revised Payment Instruction Confirmation as soon as possible.

Exchange rates are variable and change throughout the day to reflect movements in foreign exchange markets. The exchange rate quoted in the Payment Instruction Confirmation is valid only for a limited period and only if Payment is received within that period. If Payment is received later, we may apply the exchange rate prevailing at the time of receipt; we will notify you if the difference is material.

We do not impose fees or charges for the Service unless expressly stated in the Payment Instruction Confirmation. However, the Beneficiary’s bank, intermediary banks, or other parties in the payment chain may apply their own charges and we are not responsible for those.

14. Payment by you

You must pay the Payment Amount to our Nominated Account by bank transfer. We do not accept cash deposits. If you deposit cash to our account, we will not process the Order and no refund will be issued (see our Refund Policy).

Please include your transaction reference (which we provide in the Payment Instruction Confirmation) when making the bank transfer, so that we can match your payment to your Order.

If we have not received the Payment Amount in cleared funds within seven (7) Business Days of the Payment Instruction Confirmation (or any other period agreed with you), we may cancel the Order. If a partial payment is received, we will hold the funds and contact you for instructions; if we cannot reach you, we will return the funds to the account from which they were sent (subject to reasonable cost recovery and our Refund Policy).

Failure to make Payment in accordance with this clause 14 will be a material breach of this Agreement.

15. Sending funds to the Beneficiary

Once we have received the Payment Amount in cleared funds, we will execute the Transfer and send the equivalent amount in the destination currency to the Beneficiary Account you nominated.

If you confirm an Order on a non-Business Day, or after our cut-off times (which we make available on our website or in the Payment Instruction Confirmation), we will process your Transfer on the next Business Day after we receive cleared funds.

Indicative delivery times:

• If the Beneficiary Account is held in the EEA in pounds sterling (£), euro (€) or another EEA currency, the account provider will receive the money by the end of the next Business Day after we initiate the Transfer.
• If the Beneficiary Account is in the EEA in a non-EEA currency, the account provider will receive the money within four (4) Business Days.
• For Beneficiary Accounts outside the EEA, banking practices vary. We will give you our best estimate at the time you place the Order; for more detail you can ask us or the Beneficiary’s bank.

If a Transfer within the EEA does not arrive when it should have, you can ask us to contact the Beneficiary Account provider and request that they treat it as if it was made on time.

The Beneficiary’s account provider may apply its own charges to the Transfer.

For each executed Transfer, we will send you a Transaction Receipt setting out the unique transaction ID. You must quote this transaction ID when communicating with a SpotOn Representative about a particular Transfer.

16. Cancelling an Order

You may not cancel an Order once we have received Payment and processed the Transfer to the Beneficiary.

If we have not yet processed the Order, we may at our discretion permit you to cancel it. If we permit cancellation:

• if we have already received the Payment Amount, we will return it to the account from which it came, subject to the administration fee set out in our Refund Policy;
• we will not refund any fees you have paid us; and
• if currency had already been bought to fulfil your Order, we will return the funds in the original currency at the prevailing market rate at the time of cancellation, which means the amount returned to you may be more or less than the original Payment Amount.

17. Refusing, suspending or cancelling an Order

We may reject, suspend, disregard or cancel an Order in our sole discretion for any of the following reasons:

• (a) if (in our reasonable opinion) the Order is unclear;
• (b) if (in our reasonable opinion) the Order was not authorised by you or an Authorised Party;
• (c) you are Insolvent;
• (d) you breach any material representation or warranty or are otherwise in breach of this Agreement;
• (e) we may otherwise breach Applicable Law or face action from a regulator or other authority;
• (f) the Order may be linked to activity that breaches Applicable Law;
• (g) you have failed to make Payment when due or are otherwise in breach of this Agreement;
• (h) you fail to provide us with sufficient information to allow us to fulfil the Order; or
• (i) the Order is outside our financial crime risk appetite.

We will notify you of the reason for declining, cancelling or delaying an Order (if the law allows us to) and, if possible, our reasons for doing so and how you can put right any factual errors that led to our action.

If we cancel an Order after receiving Payment, we will return the relevant amount and any related fees we have received (less our reasonable costs) to the account from which it was sent.

18. Liability for Transfers

Improper or non-execution

If a Transfer is defectively executed or not executed at all due to our error, we will without undue delay refund the Payment Amount and any charges you have paid as a result, subject to the other provisions of this clause.

We will not be liable if the error was caused by your bank, an intermediary bank, the Beneficiary’s bank, or any other payment service provider in the chain (unless we are also that payment service provider).

If a Transfer goes to the wrong person, or is delayed, because you gave us the wrong details, we will not be liable but will use reasonable efforts to try to recover the payment. We may charge reasonable costs for doing so.

Unauthorised Orders

If an Order has been placed in your name that you did not authorise, we will (subject to the other provisions of this clause) refund the Payment Amount and any charges you have paid as a result, provided we are able to recover or stop the Transfer.

If we can show that you acted fraudulently, you will be liable for all unauthorised Orders that we could not stop.

If we can show you have been grossly negligent in keeping safe your log-in name and password or any device used to access our Services, you will be liable for unauthorised Orders, but only until you have informed us that any device or log-in details have been lost, stolen or could be misused.

You must without undue delay notify us if you become aware of the loss, theft or misuse of your log-in details or any device which you use to access our Services.

We will not provide a refund under this clause if you fail to bring an unauthorised or incorrectly executed Transfer to our attention without undue delay and in any case within thirteen (13) months of the date of the Transfer. However, we will try to trace the Transfer for you (if you ask us to) and may impose a reasonable charge to cover the costs of doing this.

Part C — General

19. Other Important Terms

SpotOn Money is a trading name of Monex International Limited, a company incorporated under the laws of England and Wales with registration number 04974470 and authorised by the Financial Conduct Authority as a Small Payment Institution (FRN: 510848). Monex International Limited is a wholly-owned subsidiary of Spot On Money Limited (company number 10798621). Registered address for both companies: 32 Spring Street, Paddington, London, W2 1JA.

No express term of this Agreement (nor any term implied under it) is enforceable pursuant to the Contracts (Rights of Third Parties) Act 1999 or otherwise by any person who is not a party to it.

We may agree to communicate with you in one or more languages depending on the location of the SpotOn Representative which provides Services to you. The primary business language used by SpotOn is English, and so if we have not expressly agreed otherwise, communications from you to us (in particular legal notices, correspondence and documentation) should be in the English language.

We may listen in to or record phone calls with you (or any of your Authorised Parties) to:

• check we are carrying out your instructions correctly and that we are meeting our regulatory obligations;
• help detect or prevent fraud or other crimes; and
• improve our Services.

If any part of this Agreement is disallowed or found to be ineffective by a court or regulator, the rest of it shall continue to apply.

We may choose not to enforce our rights against you and make this contractually binding against us by giving you a notice which expressly states that we have chosen to do so under this term of the Agreement. In all other cases, if we choose not to exercise rights against you, we can still do so later.

We may:

• assign any or all of our rights under this Agreement to any third parties; and
• transfer (by novation or otherwise) all or any of our obligations under this Agreement to any person (a Transferee) provided that no transfer of our obligations will be effective until the Transferee has confirmed to you in writing that it is bound by the terms of this Agreement.

In the event of our insolvency, a third-party back-up servicer shall be appointed and — to the extent permissible under Applicable Laws — shall be entitled to administer any pending Transfers and handle any Payments paid or payable.

You may not transfer any of your rights or obligations under this Agreement.

The laws of the country in which you are resident will decide any legal questions about these Terms, and about our dealings with you with a view to entering into this Agreement (e.g. if you live in England, the laws of England will apply).

The courts of the country in which you are resident can deal with any legal questions connected with this Agreement.

Part D — Terms of Use (Website)

This section tells you the terms of use on which you may make use of our website (our site), whether as a guest or a registered user. Please read these terms of use carefully before you start to use the site. By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.

20. Information about us

This site is operated by Monex International Limited, trading as SpotOn Money. We are registered in England and Wales (company number 04974470). Monex International Limited is a wholly-owned subsidiary of Spot On Money Limited (company number 10798621). Both companies have their registered office at 32 Spring Street, Paddington, London, W2 1JA. Monex International Limited’s VAT number is 119618600.

21. Accessing our site

Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice. We will not be liable if for any reason our site is unavailable at any time or for any period.

From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us.

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, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.

You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.

22. Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference, and you may draw the attention of others within your organisation to material posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, 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 material on our site must always be acknowledged.

You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

23. Reliance on information posted

Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.

24. Our site changes regularly

We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.

25. Our liability

The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:

• All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
• Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation, any liability for loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of goodwill; or wasted management or office time.
• Any liability for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.

26. Information about you and your visits to our site

We process information about you in accordance with our Privacy Policy. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

27. Uploading material to our site

Whenever you make use of a feature that allows you to upload material to our site, or to make contact with other users of our site, you must comply with any applicable laws and content standards. You warrant that any such contribution does comply with those standards, and you indemnify us for any breach of that warranty.

Any material you upload to our site will be considered non-confidential and non-proprietary, and we have the right to use, copy, distribute and disclose to third parties any such material for any purpose. We also have the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.

We will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of our site.

We have the right to remove any material or posting you make on our site if, in our opinion, such material does not comply with applicable laws or content standards.

28. Viruses, hacking and other offences

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of-service attack.

By breaching this provision, 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 site will cease immediately.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.

29. Linking to our site

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, but 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 from any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice. If you wish to make any use of material on our site other than that set out above, please address your request to cs@spoton.money.

30. Links from our site

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.

31. Jurisdiction and applicable law

The English courts will have exclusive jurisdiction over any claim (including non-contractual disputes or claims) arising from, or related to, a visit to our site.

These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.

32. Variations

We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.

33. Your concerns

If you have any concerns about material which appears on our site, please contact us at cs@spoton.money. Thank you for visiting our site.