Last updated: 21 August 2017

These website terms of access (Website Terms), together with our Privacy Policy and Cookie Policy, govern your access of (the Site). Defined terms used within our Terms of Service, Privacy Policy, Cookie Policy or these Website Terms appear in bold and apply equally to each and every document.

Monizo Ltd trading as Coconut (Coconut, us, we, our) is a limited company, with its registered office at 27 Old Gloucester Street, London, United Kingdom, WC1N 3AX. Its company number is 09904418.

1. These Website Terms

1.1. By using the Site you are a User and you confirm that you accept these Website Terms and that you agree to comply with them. If you do not agree to our Website Terms, you must not use our Site.

1.2. We amend these terms from time to time. Every time you wish to use our Site, please check these terms to ensure you understand the terms that apply at the relevant time. We recommend you print a copy of these terms and any future updated terms for your reference.

2. The Site

2.1. We provide the Site on an “as is” and “as available” basis, and make no representation, warranty or undertaking that the Site or the Service will be uninterrupted, free from errors or secure. All use of the Site and the Service is at your own risk.

2.2. The Site is subject to change at our discretion and without notice to you.

2.3. We do not guarantee that the Site will be free of bugs or viruses. You shall back up and protect any data on your device or equipment, and protect your device or equipment from viruses, trojan horses, malware and other threats to your property.

2.4. You must not misuse our Site or introduce viruses, trojans, worms, malware or other material that 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 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.

3. Liability

3.1. Nothing in these Website Terms will limit our liability for personal injury or death caused by our negligence, for fraud or for any other liability the exclusion or limitation of which is not permitted by applicable law or regulation.

3.2. Our liability to you shall not exceed £20 (GBP) for any loss or damage suffered by you as a result of:

3.2.1. any breach of these Website Terms by us; and

3.2.2. negligence or wilful default or fraud by us or our employees.

3.3. Save as provided in clause 5.1, we will not be liable to you for:

3.3.1. unforeseeable, indirect or consequential loss or damage;

3.3.2. loss of profit, sales, business or revenue;

3.3.3. loss of business interruption; or

3.3.4. loss of business opportunity, goodwill or reputation.

3.4. Save as provided in clause 5.1, we will not be liable for any loss of data.

4. Indemnity

4.1. You shall indemnify us against all liabilities, costs, expenses, damages and losses (including but not limited to any direct, indirect or consequential losses, loss of profit, loss of reputation and all interest, penalties and legal costs and all other professional costs and expenses) suffered or incurred by us arising out of or in connection with any breach of these Website Terms by you.

5. Non-reliance

5.1. The content on the Site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from taking, any action on the basis of the content on our Site.

5.2. Unless expressly stated as such and to the extent permitted by law, the Site and Website Terms make no express or implied warranty or representation.

5.3. Where the Site contains links to other websites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over or responsibility for the contents of those websites or resources.

6. Intellectual property

6.1. We are the owner or licensee of all of the intellectual property rights relating to the Site, including the logo, trade marks, designs, text, database, graphics and layouts, and you agree not to use or copy any part thereof without our express permission. We grant each User a royalty-free, revocable, non-exclusive licence to use the Site solely for the purpose of using the Site and/or the Service in accordance with these Website Terms. You may not use or copy any of the content of the Site for any purpose other than general browsing without our prior written consent. If you breach these Website Terms, the licence in this clause 8.1 is automatically revoked.

7. Notices

7.1. All notices given by you to us must be by email to [email protected].

7.2. All notices given by us to you may be: by email or post, to the contact details provided (and as updated by you from time to time) in your account details; or by general notice on the Site.

8. General

8.1. These Website Terms, our Privacy Policy, our Terms of Service and our Cookie Policy constitute the entire agreement between you and us in relation to your use of the Site, and supersede and extinguish all previous agreements, promises, assurances, warranties, representations and understandings between us, whether written or oral.

8.2. These Website Terms are between you and us. No other party shall have any rights to enforce any of its terms, whether under the Contracts (Rights of Third Parties) Act 1999 or otherwise.

8.3. These Website Terms and any dispute or claim arising out of or in connection with it or its subject matter (including non-contractual disputes or claims) shall be exclusively governed by and construed in accordance with English law.

8.4. You irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with these Website Terms and its subject matter (including non-contractual disputes or claims).