Terms and Conditions

Who is Muniy
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.
How to contact us
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 Ltd Kemp House 152-160 City RoadLondon, EC1V 2NX United Kingdom
How we'll contact you
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.
Fees and charges
You can withdraw up to £500 from ATMs in any rolling 30-day period without any fees. Both we and Blackthorn Finance Limited can change this amount at any time upon notice to you.At this time, there are no fees for overdraft or payments in a foreign currency. Both we and Blackthorn Finance Limited can change this amount at any time upon notice to you.
Where is your money?
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 collaborate with Blackthorn Finance Limited Limited, ("Blackthorn Finance Limited") who provide an e-money account where your funds are held (your account). Your agreement with them is listed here: Blackthorn Finance Limited Terms.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 Limited is authorised by the Financial conduct authority to conduct electronic money service activities under the electronic money regulations 2011 (Ref: 900594).
You agree to us using your information
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 licence); proof of address (photo of utility bill or bank statement); selfie; and the information contained on them (name, address, birth date).With our banking partners we will share your:nameaddress;birth date;country of residence; andknow 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 Railsbank, from whom we license software, 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 find our Privacy Policy here https://www.muniy.com/privacy-policy.
If something goes wrong
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 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 Card Terms” here: https://muniy.com/blackthorn-finance-limited-card-terms.html. If there are issues to do with arranging payments with third parties, these are dealt with by Blackthorn Finance Limited in the "Blackthorn Finance Limited Terms” section here: https://muniy.com/blackthorn-finance-limited-terms.html.Save for our obligation to be 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.
Closing your account
You can cancel your account within the first 14 days of opening it, or close it at any other time with 48 hours notice.If you’d like to close your account, please get in touch with us. You'll need to repay any money you owe 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.We can close your account by giving you at least one months' notice. We may close your account or stop you using your card and app immediately if we believe you've:broken the terms of this agreementput us in a position where we might break the lawbroken the law or attempted to break the lawgiven us false information at any timebeen abusive to anyone at Muniy or a member of ourcommunity.
Making changes to this agreement
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, and you'll need to pay back any money you owe us. If we don't hear from you, we’ll assume that you’re happy with the changes we’ve made. Using the App and WebsiteYou 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.
Our Responsibility for Loss or Damage Suffered by You
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 and private 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.
Who are we registered with?
Muniy Ltd 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 a registered agent of Blackthorn Finance Limited which is an authorised by the Financial Conduct Authority under the Payment Services Regulations 2017  (with firm Reference FRN 927408) for the provision of payment services.
How to make a complain
If you have a complaint, please contact us and we'll do our best to fix the problem.