These legal terms (English law applies and disputes will be settled by English courts) are between you and Muniy Limited (Muniy/us/we) and you agree to them by using the Muniy app and website (the terms app and website also include any associated servers, databases, and other software) .

You should read this document along with our Privacy Policy.

You can contact us through the Muniy app, email us at support@muniy.com or call us on +44 7411 179 275.

Or send a letter to: Muniy Limited, Kemp House 152-160 City Road, London, EC1V 2NX United Kingdom.

We'll contact you in English through the app or by email. We may also write to you at the address you have given to us.

We may also send you instant notifications when you spend or receive money.

You can withdraw up to £500 from ATMs in any rolling 30-day period without any fees. Both Muniy and Blackthorn Finance Limited can change this amount at any time upon notice to you.

Muniy brings you the app and the website which enable you to access your money. We do not hold your money or provide a card for you to spend your money with. We are authorised agents of Blackthorn Finance Limited, ("Blackthorn Finance Limited"). Your agreement with them is listed here: Blackthorn Finance Limited Terms (http://www.blackthornfs.com/). The funds in your account will not earn any interest. We will have no liability or responsibility for your money or any failure by Blackthorn Finance Limited to provide services to you, unless that failure is due to a breach by us of these terms and conditions. We do not provide any financial services to you that are regulated in the UK, including for the avoidance of doubt, any regulated payments, e-money, banking services or arrangements with a view to transactions in investments. This card is issued by Blackthorn Finance Limited Limited, pursuant to licence to Mastercard International Incorporated. Blackthorn Finance Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (FRN 927408) for the provision of payment services.

We collect information with our partner Sumsub, which is needed to verify your identity. The information we collect is: proof of identity (photo of passport, ID, and/or driver's license) and the information contained on them (name, address, birth date), proof of address (photo of utility bill or bank statement), a selfie, occupation sector, income band, source of income & the purpose for opening an account with us. With our banking partners we will share your: name, address, birth date, country of residence and your customer score. We may also share a review regarding politically-exposed and/or high risk individuals from SumSub, or our KYC/sanctions data provider at the time. We will also be providing Blackthorn Finance Limited with transaction data from users, e.g. transaction amounts, recipients, target account numbers, etc. If you are not happy for us to use your information, we’ll have to close your account. But we may keep your personal data and use it where we have lawful grounds to do so. For more details regarding our use of your information please take a look at our Privacy Policy (https://muniy.com/privacypolicy.html).

Please keep your phone, card and PIN safe at all times. If we discover any security issues affecting your account, we’ll contact you as soon as possible in the most secure way. If you lose your card or it is stolen or you see transactions in the app that look wrong, freeze your card if you are able and tell us as soon as possible. You should make yourself aware of Blackthorn Finance Limited's policies about refunding your money in the "Blackthorn Finance Limited Individual Terms & Conditions” here: https://blackthorn.finance/T&C_Individual_08.21.pdf. We are the first point of contact for any initial complaints (before you are directed to Blackthorn Finance Limited). We shall have no obligation or responsibility for the operation and provision (or lack of operation or provision) of services in connection with your account.

You can cancel your account within the first 14 days of opening it, or close it at any other time. If you’d like to close your account, please get in touch with us. We will return any outstanding funds to us before we can close your account. Once we've closed it, your card won't work and you won't be able to access your account. Muniy can close your account by giving you a minimum of one months' notice. We may close your account or stop you using your card and app immediately, if we believe you have (1) violated the terms of this agreement, (2) put us in a position where we might break the law, (3) broken the law or attempted to break the law, (4) given us false information at any time, (5) had a change in circumstances which means you’re no longer eligible for a current account (like moving abroad), (6) given a third party control of your account, phone, card or PIN (unless you’ve formally agreed this with us or are legally permitted to do this), (7) been abusive to anyone at Muniy or a member of our community.

This agreement will always be available in the app and on our website. We can make changes to it for any reason. If we make changes to it then we'll tell you once we've made them. If you don't agree to these changes, you can let us know and we'll close your account. We'll transfer any money in the account to another account of yours. If we don't hear from you, we’ll assume that you’re happy with the changes we’ve made. Using the App and Website, you undertake not to adapt, modify, copy, reproduce, reverse engineer, publish, redistribute, sell, sub-license, exploit, or otherwise part with or make any other use of the app or the website, the intellectual property in the app or website , any data on the app or website, or the concept of the app or website more generally except for internal business purposes or to the extent required by law, nor to authorise, enable or assist any third party in doing so.

To the fullest extent permissible by law, we exclude and disclaim all warranties, terms, conditions and representations that might otherwise be implied by law in relation to our app. In particular, we do not represent or warrant that the app will be error-free, free of viruses or other harmful components, or that defects will be corrected. You must take your own precautions in this respect. In any event, we will not be liable for any loss or damage caused by an attack from hackers or other malicious third parties (on the user, account, the app, website or the overall system), 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 app and website. We do not accept liability for any failure to maintain the app and website. Please note that we only provide our app and website for personal use, and you agree not to use our app and website site for any commercial or business purpose. We do not accept any liability for the following types of loss, even if the loss is foreseeable: loss of income or revenue, loss of business, loss of profits, loss of anticipated savings, loss of data or waste of management of office time. The app and/or website may contain inaccuracies and typographical errors. We do not warrant the accuracy or completeness of the website or app. We shall not be liable for any loss caused as a result of your actions or inactions based on the app and/or website. However, nothing in these terms and conditions shall affect your statutory rights, and nothing in these terms and conditions shall exclude our liability for death or personal injury arising through negligence, for fraud or fraudulent misrepresentation and/or anything else that cannot be excluded or limited by us under English law.

Muniy Limited is a company registered in England and Wales with the registered company number 11191944 and its registered address at Kemp House, 152-160 City Road, London, EC1V 2NX. Muniy Limited is an authorised agent of Blackthorn Finance Limited which is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (with firm Reference FRN 927408) for the provision of payment services.

If you have a complaint, please contact us and we'll do our best to fix the problem or find out more in our complaints documentation.