Terms and Conditions (Jeton Card)
Jeton Card Account Terms & Conditions
These Terms & Conditions govern your Jeton Card account and -the Mastercard debit card issued hereunder. Please read them carefully. A copy of these Terms & Conditions may be downloaded at any time from within your Account Portal.
The Jeton Card account and the Mastercard debit card are e-money service provided by Financial House Limited
In these Terms & Conditions:
“Account Portal” means the website where you can access your Jeton Card Account, services and information via the following link: www.jeton.com
“App” means the mobile application through which you can access your Jeton Card account, services and information via your mobile device..
“Business Day” means any day other than a Saturday, Sunday or a bank or other public holiday in England.
“Customer Services” means La Orange CY Ltd, which provides you with assistance and advice in relation to your products and services.
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“Jeton Card” means the account and debit card distributed to you by La Orange CY Limited, a third party appointed to provide such services on behalf of Financial House Limited, an Electronic Money Institution regulated by the Central Bank of Cyprus with License Number 115.1.3.66.
“Financial House (FH) ” means the entity authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution under Firm Reference Number 902039.
“You” means the named account holder, being the authorised user of the Jeton Card account andthe Mastercard debit card and any additional cardholder(s).
“We”, “us” or “our” means Financial House Limited.
In these Terms & Conditions, “money” refers to e-money. When you receive a payment or add funds to your Jeton Card Account or card(s), we place the corresponding funds in a safeguarding account and credit the equivalent value of e-money to your Jeton Card account or card(s). Funds held in the safeguarding account are not used, invested, or lent to any other person by us.
If you make a payment or transfer e-money from your Jeton Card Account or card(s) to another Jeton Card Account, we debit the e-money from your account or card(s) and credit the recipient’s Jeton Card account.
If you make a payment or transfer e-money to a non-Jeton Card Account, we debit the e-money from your Jeton Card account or card(s) and transfer the equivalent value of funds from the safeguarding account to the recipient.
If you have any questions, you can contact Customer Services by:
• Live chat at www.jeton.com or by filling out Jeton’s contact us form under the FAQ page.
• Post: Gladstonos, 116 M. Kyprianou House, 3&4th Floor, 3032, Limassol, Cyprus
Your Jeton Card account and Mastercard debit card are issued by Financial House Limited
1. What is a Jeton Card account and card?
A Jeton Card Account is an electronic money account with a dedicated IBAN, held with Financial House Limited, from which you can make and receive payments. You may use your account to make transfers to other accounts and to receive payments. .
A Jeton Card card is a Mastaercard debit card issued on your Jeton Card Account, which can be used worldwide wherever Mastercard is accepted. The card may be used for online transactions, in-store purchases, telephone payments, and ATM withdrawals.
You may only spend funds that you have been credited to your Jeton Card Accoun.. Prior to making transfers or using your card, you must ensure that your account contains sufficient funds. Funds held in your Jeton Card account are safeguarded electronic money, not bank deposits, and do not accrue interest.
2. Who can apply for a Jeton Card account and card?
To be eligible to apply for a Jeton Card account and card, you must:
• Be at least 18 years of age; and
• Be a resident of the European Economic Area (EEA).
You must also provide a valid email address and mobile phone number when opening an account, which will be used for all communications related to your account and card.
3. How do I get started?
By logging into your Jeton Account Portal, you agree to be bound by these Terms & Conditions.
If you receive a physical card in the post, you must sign the signature strip on the back.
You must then activate your card, by following the activation steps provided on the card carrier.
You also need to obtain your PIN to authorise chip-and-pin transactions and ATM withdrawals. You can obtain your PIN through your online account using the “Show PIN” function.
If you receive a card directly through the Account Portal, follow the Jeton Card activation steps provided, it will then be ready for use.
Your account and card must be used within three months of issuance. If not, your card may be automatically cancelled, and your account may be closed.
4. What if I want to change my Personal Identification Number (PIN)?
You may change your PINat any ATM that supports PIN management functionality.. You can also view or be remindedof your PIN securely through your Account Portal.
5. How do I add funds to the Jeton Card account?
You may add funds to your Jeton Card Account Portal by transfering from a payment account or any other method notified to you in your Account Portal from time to time. The time taken for funds to be credited to your account will depend on the deposit method used. When the transfer has been credited to FINANCIAL HOUSE (FH)from the sending
payment institution, these funds will be applied to your Jeton Card Account on the same Business Day. You should not fund your account using a balance transfer from a credit card.
As soon as we receive the funds that you have paid in, they will be on your Jeton Card Account and ready to use. There may be occasions when the funds reaching your Jeton Card Account are delayed for up to three working days, this may happen when due to a requirement to confirm the transaction with the sending payment institution. We may also delay or suspend funds reaching your account if we suspect any fraudulent or financial crime activity.
Where an overpayment has been made to your account in error, we reserve the right to debit your account with the excess amount to correct the payment transaction.
6. What transactions can I make?
You can make the following transactions from your Jeton Card account:
• SEPA transactions: You can send the payment within the SEPA region to a person or business using their IBAN. If the payment instruction is received after 5pm, or on weekends or public holiday, it will be deemed to have been received on the following Business Day. Funds are ordinarily expected to be available in the recipient’s account on the next Business Day.
• Transfer to another Jeton Card account holder you may search for an account holder using their mobile phone number, email address or username and then specify the amount of the transfer.
An account transaction is authorised by you when you access your online account using your personal security details and submit a transaction request. You must ensure that the payment details you provide for any transaction are accurate and complete.
You may use your Jeton Card to authorise the following transactions with merchants that accept Mastercard debit card payments:
• Chip and PIN payments: by inserting your Jeton Card into a payment terminal and entering your PIN.
• Magnetic Stripe payments: to merchants that cannot accept Chip and PIN cards by signing the sales voucher;
• Contactless payments: by tapping the Jeton Card on the contactless card reader and entering your PIN, where requested.
• Internet card payments: to online merchants by providing the Jeton Card details and any additional security information, such as your secure code credentials, as requested by merchant;
• Mail order or telephone order (MOTO)payments: to merchants by providing you Jeton Card details as requested by the merchant;
• ATM cash withdrawals: at ATMs displaying the Mastercard logo, by inserting or tapping your Jeton Card entering your PIN, and following the on-screen instructions.
Like other payment cards, we cannot guarantee a third party or ATM will accept your Jeton Card. Note that some ATM operators may charge an additional fee, which they should disclose to you before you confirm the transaction.
You may also be required to provide a one-time passcode or other security information, including, if available and you choose to use this method, biometric information, to authorise a transaction or make amendments to your account. One-time passcodes will be sent to the mobile phone number registered to your account. As soon as a transaction is authorised FINANCIAL HOUSE (FH) will deduct the value of your transaction from the available balance on your account A full breakdown of each transaction, including any applicable fees,, will be available to view on your Account Portal.
Once we have received a settlement request for a transaction, we will transfer the funds as follows:
• To a retailer, within three Business Days; or
• To a payment institution, on the day we receive the authorisation, or on the day you requested the payment for future-dated transactions.
A transaction is considered received as follows:
• Jeton Card Transactions: , at the time we receive the transaction instruction from the retailer or ATM operator; and
• SEPA transactions or transfers to Jeton Card account holders: at the time you ask us to complete the transaction.
7. Can I cancel a transaction?
In general, you may not withdraw authorisation for a transaction once it has been authorised. You may be able to withdraw your authorisation where you have authorised a transaction which will take place on a future date. However, where a specific date is agreed, you may not revoke a payment order after the end of the Business Day preceding the agreed date on which the transaction will occur.
You can also manage cancellations online through your Account Portal. If you want to make sure that no further payments you should cancel three Business Days before the day on which the next payment is due to be made.
To withdraw your authorisation of Mastercard debit card continuous payment authority, you must notify the retailer before the close of
business on the Business Day before the day on which the transaction was due to take place and provide us with a copy of the notice if requested.
8. Can I pay for things in a foreign currency?
Your card is denominated in GBP. If you make a purchase or an ATM withdrawal in any other currency, the transaction amount will be converted into GBP using the exchange rate set by Mastercard on the day the transaction is processed. This rate may differ from the rate on the actual date of the transaction.Mastercard
When you use your GBP-denominated card in a country that does not use GBP, you will receive a notification showing:
• The exchange rate applied;
• The equivalent GBP amount; and
• The difference between the rate applied by the card scheme and the European Central Bank rate.
Any changes to the exchange rate used for converting foreign currency transactions will take effect immediately. You can view the exchange rate applied to a transaction in a currency other than GBP on a given date, and compare it with the corresponding European Central Bank rate, at: https://www.Mastercard.co.uk/en-gb/personal/get-support/convert-currency.html or https://www.ecb.europa.eu/stats/policy_and_exchange_rates/euro_reference_exchange_rates/html/index.en.html
Mastercard
9. Is there anything I can’t buy with my Jeton Card card?
You may not use your Jeton Card for illegal purposes.
It also cannot be used for a certain restricted transactions, please refer to the Jeton Card website for more details.
10. How can I check my Jeton Card account?
You can check your account by accessing it securely through your App or Account Portal at www.jeton.com. Your statement will show:
• information on the payee of each transaction and a reference enabling you to identify each payment transaction;
• the amount of the transaction shown in the currency in which the transaction was paid or debited to the account;
• the amount of fees for the transaction;
• the exchange rate used in the payment transaction (where applicable);
• the difference between the exchange rate applied and the European Central Bank rates if used within any country that does not use GBP; and
• the date the transaction is authorised or posted on to the account.
This information is accessible at all times via your Account Portal, is available free of charge, and can be stored and reproduced as necessary.
You may, in addition, be required to enter a one-time passcode or other security information including, if available and you opt for this type of identification, biometric information to access your account. One-time passcodes will be sent to the mobile phone number registered to your account.
11. How long will the Jeton Card card last?
Your Jeton Card will be valid for three years. You will not be able to use your card after its expiry date. This agreement will terminate when your card is cancelled or expires and is not replaced.
12. Does the Jeton Card account and card have spending limits?
You may only spend funds that have been credited to your Jeton Card account. Additional limits apply to daily transfers, ATM withdrawals, and other types of transactions. We may also impose restrictions on the amount and number of transactions you can perform to prevent financial crime.
If, for any reason, a transaction is completed when there are insufficient funds in your account, FINANCIAL HOUSE (FH)may recover the shortfall, unless the negative balance is caused by an error on the part of the retailer with whom the transaction was made. FINANCIAL HOUSE (FH)may recover the shortfall from any of your accounts held with FINANCIAL HOUSE (FH)or Jeton Card, including any funds subsequently credited to such accounts.
We may suspend your account and card(s) until the negative balance is restored and may charge you for any costs associated with recovering the shortfall.
FINANCIAL HOUSE (FH)FINANCIAL HOUSE (FH)
13. What if I have been overcharged or charged for transactions I didn’t make or have a dispute about a transaction?
If you wish to dispute a transaction that has been processed on your account, you should first contact the merchant,as this may may provfide the quickest resolution. If the dispute cannot be resolved with the merchant or you dispute any other account transaction, you should contact us without undue delay, and in any event within 13 months of becoming aware of any unauthorised or incorrectly executed payment transaction.
Where you inform us that a payment was not authorised by you, and you have:
• taken all reasonable steps to keep your personalised security information safe, including your account and card details;
• not disclosed your PIN or other security credentials to anyone; and
• not acted fraudulently, negligently, or with gross negligence in relation to your Security Credentials,
we will:
a) refund the amount of the unauthorised payment to you; and
b) restore the debited payment account to the state it would have been in had the unauthorised payment not occurred.
The refunded amount or restored balance will be completed as soon practicable and, in any event, no later than the end of the Business Day following the day on which we becomes aware of the unauthorised transaction.
Beyond this, we will have no further liability to you in respect of such authorised transactions. Where payee details provided by you are incorrect, we are not liable for non-execution or defective execution of the payment transaction. However, we will make reasonable efforts to recover the funds involved and notify you of the outcome.
You may be entitled to a refund in the following circumstances:
• the transaction was not authorised under these Terms and Conditions;
• we are responsible for a transaction which we fail to execute or execute incorrectly. In tsuch cases,, we will refund the amount of the non-executed or defective transaction,restore the debited account to the state it would have been in had the defective payment transaction not occurred, and refund any direct changes or interest you incur as a result.
• a pre-authorised transaction did not specify the exact amount at the time of its authorisation and the charged exceeds what could reasonably have been expected,, taking into account previous spending patterns on the account and the circumstances of the transaction. In this case, we will either:
refund the full amount; or
provide justification for refusing the refund.
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Any refund or justification will be provided within 10 Business Days of receiving your request or any additional information we may require. A refund claim in this context will not be accepted if:
• the transaction amount was made available to you at least four weeks before the transaction date; or
• the claim is made more than eight weeks after the funds were debited from your account.
14. What about security?
You must keep your Jeton Account, card and security credentials secure at all times and must not allow anyone else to use or access them. . You must keep your security information credentials secret at all times; never disclose your PIN or other security credentials to anyone and do not store your PIN together with your card.
Security information includes your login credentials, password, or any other inforamtionused to access your your card or account details are stored..
We also recommend that you check your account balance and transactions via the Account Portal or by contacting Customer Services.
15. What if my Jeton Card is lost or stolen or my account details are compromised?
If your Jeton Card is lost or stolen, or if you suspect that someone else has obtained your PIN, security credentials, or accessed your account without your permission, you must notify Customer Services without undue delay by logging into your Account Portal. Your card will be cancelled immediately, and your account may be blocked.
Financial House (FH) operated a dedicated line for lost or stolen cards; . If you subsequently find a card after reporting it as lost or stolen, you must not use it. The card should be cut in half through the signature strip, magnetic stripe, and chip.
• If you provide the information and assistance requested by Customer Services, we will investigate any disputed transaction or suspected misuse of your card or account.If the investigation shows that a disputed transaction was authorised by you, or that you acted fraudulently or with gross negligence (for example, by failing to keep your account, card, security information, or PIN secure, or by failing to notify Customer Services promptly upon becoming aware of the loss, theft, misappropriation, or unauthorised use), FH will not refund the transaction, and you will be fully liable for all losses incurred.
• If the investigation shows that you have not acted fraudulently or with gross negligence, your maximum liability for any unauthorised transaction will be limited to €50 / £50. In such cases, we will process a refund as soon as practicable, and in any event no later than the end of the Business Day following the day after Customer Services receives your notification.
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16. Will you ever block a transaction without me asking?
We may refuse to pay a transaction:
• if we are concerned about the security of your card or account or we suspect your card or account is being used in an unauthorised or fraudulent manner;
• if sufficient funds are not paid into your account at the time of a transaction to cover the amount of the transaction and any applicable fees;
• if there is negative balance on your account;
• if we have reasonable grounds to believe that you are not using the card or account in accordance with these Terms & Conditions;
• if we believe that a transaction is potentially suspicious or illegal (for example, if we believe that a transaction is being made fraudulently); or
• because of errors, failures (whether mechanical or otherwise) or refusal to process a transaction by merchants, payment processors or payment schemes such as Mastercard or SEPA.
17. Can I cancel my Jeton Card account and card?
You have a legal right to cancel your Jeton Account and card withint 14 days from the date your account is opened, without incurring any penalty. In such cases, we will refund any card issuance fees. However, we may charge a Card Cancellation Fee if we have already incurred costs associated with ordering a card in your name.
You may also cancel your account and card at any time after the 14-day period by contacting Customer Services. Once cancelled, you should cut your card in half through the signature strip, magnetic stripe, and chip.
All fees and charges will be apportioned up to the date of termination, and any fees paid in advance will be reimbursed proportionally. . You will not be entitled to a refund of funds you have already spent on authorized or pending transactions, nor any fees for use of the account prior to cancellation or card expiry..
18. Could my Jeton Card account be cancelled?
FINANCIAL HOUSE (FH) may cancel your account and this agreement for any reason by giving you at least 60 days’ notice. You should ensure any remaining funds on your Jeton Card Account or Card are spent or withdrawn within this notice period.
Reasons for cancellation may include:
• if this agreement expires;
• if your card expires and is not replaced;
• If you breach a material term of this agreement, or repeatedly breach the agreement and fail to remedy the matter promptly;if you act in a manner that is threatening or abusive to our staff, or any of our representatives;
• if we suspect unauthorised or fraudulent use of your card or account;
• if we have any other security concerns; or
• if you fail to pay fees or charges that you have incurred or fail to pay back any negative balance on your card.
FINANCIAL HOUSE (FH) may also cancel your account immediately if required to do so to comply with applicable law.
We may also deny access to your card and/or account if we consider it to be at risk of money laundering, terrorism financing, fraud or other criminal activity Where possible, we will provide you with the reasons for taking such action, except where disclosure is restricted by law. In cases where funds may be returned, you must inform us of your instructions regarding any unused funds (See section 20 for further details)
Where FINANCIAL HOUSE (FH) determines that funds are derived from the proceeds of crime, such funds may be removed from your account without requiring your additional authorisation.
19. Can I get money back once I have put it on?
You can clear the balance on your Jeton Account by spending, making ATM withdrawals, or transfers to other payment accounts in GBP
Alternatively, you may request a refund of the funds on your account by contacting Customer Services and confirming that your card has been destroyed by cutting it up. We will transfer your funds back to you at no cost to you, unless:
• you are requesting redemption before termination or expiry of this agreement;
• you cancel this agreement before any agreed termination or expiry date; or
• you request redemption more than one year after the date of termination or expiry of this agreement.
If one of these situations does apply then we will charge a Redemption Fee
We will not redeem the value of the funds on your account to you if your request for redemption of the funds is more than six years after the date of termination or expiry of this agreement.
All funds will be returned to a payment account of your choice in GBP. We reserve the right to request proof of ownership of the payment account before transferring funds. To comply with legal obligations, Financial House (FH) may require you to provide identification or other relevant information before processing your refund request.
Please also refer to section 27 for circumstances in which a refund will not be provided.
20. Is money on my Jeton Card account protected like my bank account?
The Jeton Account and associated card are electronic money products No other compensation scheme exists to cover losses claimed in connection with the account and associated card. FINANCIAL HOUSE (FH) will however ensure that any funds received by you are held in a segregated account so that should FINANCIAL HOUSE (FH) become insolvent your funds will be protected against claims made by its creditors.
21. What if I have a complaint?
If you are dissatisfied with your card, account, or how it is managed, you may contact Customer Services to initiate an investigation. Complaints will be addressed promptly and fairly.
Customer Services will address all points of the complaint in writing either by post or a downloadable letter attached to an email. A response will be provided within 15 Business Days upon receiving the complaint. If a full response cannot be provided within this timeframe, due to exceptional circumstances, a holding reply will be sent which shall detail the reason for the delay, with a full response provided within 35 Business Days.
22. What if I change my details?
You must notify Customer Services as soon as possible if you change your name, address, telephone number, mobile number, or email address. We will use the most recent contact details you have provided when contacting you regarding your account.
Any emails or SMS messages sent to you will be considered received as soon as they are sent. We will not be liable if you fail to update your contact details and we are unable to reach you.
23. What will happen to my personal information?
FINANCIAL HOUSE (FH)is the controller of your personal data which is used in order to open, administer and run your Jeton Account and provide payment services to you. By agreeing to these Terms and Conditions you consent to FINANCIAL HOUSE (FH) accessing, processing, and retaining any information you provide, for the purposes of providing payment services or otherwise to fulfilling this agreement.
For further information about how FINANCIAL HOUSE (FH) processes your personal data, please seour Privacy Policy at https://www.financialhouse.io/privacy-policy
You may withdraw your consent to the processing of personal data by closing your account and cancelling your card.
24. Will these Terms & Conditions ever change?
Financial House (FH) may update these Terms & Conditions by providing at least 60 days’ notice via email or other agreed means before the changes take effect. Where a change is not detrimental to you, it will take effect immediately, and Financial House (FH) will assume your agreement.
If you do not agree with a proposed change, you must inform Customer Services before the change takes effect. In such cases, your account will be cancelled immediately. Any remaining balance will be returned to you, and you will not be charged a Redemption Fee.
An up-to-date version of these Terms & Conditions, including any notices of future changes, will always be available via the Jeton Card website (www.jeton.com) or the Account Portal. You should check these sources regularly for updates.
25. When may use of the Jeton Card card and Jeton Card account be interrupted?
From time to time, your ability to use your card or account may be interrupted, for example during system maintenance.. During such interaption, , you may be unable to make transaction or access your Jeton Card Account, services and information.
In addition, like other payment accounts and cards, we cannot guarantee a merchant will accept your card, or that we will necessarily authorise any particular transaction. This may be because of a systems problem, something outside our reasonable control, to comply with legal and regulatory requirements, or because we have suspended, restricted or cancelled your account or refused to replace it in accordance with these Terms & Conditions.
26. What is Financial House’ responsibility?
If FINANCIAL HOUSE (FH) incorrectly deducts funds from your account, they will be refunded. If FINANCIAL HOUSE (FH) If it is subsequently established that the refunded amount was correct, the amount may be re-deducted from your account, and you may be charged a fee. If insufficient funds are available, you must repay the amount immediately on demand.
If unauthorised transactions occur after you have notified Customer Services of the loss, theft, compromise or unauthorised use of your card or account, and you have not acted fraudulently or in breach of these Terms and Conditions, then FINANCIAL HOUSE (FH) will be liable.
FINANCIAL HOUSE (FH) will not be liable:
• in any event that a merchant refuses to accept your card;
• for any interruption, disruption or impairment of our service or any third-party services on which we rely for the performance of our obligations hereunder;
• for refusing to authorise a transaction;
• for cancelling or suspending use of your card or account;
• for any loss arising from your inability to use your card or access your account due to interruptions;
• for any direct, consequential, indirect, exemplary, punitive, special, incidental or reliance loss or damage you may suffer including loss of revenue, loss of reputation, goodwill, opportunity or anticipated savings as a result of your total or partial use or inability to use your Jeton Card Account and/or Card(s), App or Account Portal or the use of your
Jeton Card Account and/or Card(s) by any third party (unless otherwise required by law);
• for the quality, safety, legality or any other aspect of any goods or services purchased with your account or card; and
• any abnormal and unforeseeable circumstances beyond our control, however so caused and permitted under applicable law.
We are not responsible for lost, late or undelivered text messages, notifications, or communications. We accept no responsibility for any technical, computer, online, telephone, cable, electronic, software, hardware, transmission, connection, internet, website or other access issue which may hinder your ability to access the services.
Nothing in these Terms and Conditions shall operate to exclude liability for death or personal injury due to negligence or for fraud or fraudulent misrepresentation or for any statutory liability that cannot be excluded or amended by agreement between the parties.
27. When can I be charged ?
We may charge you for any reasonable costs that we incur in taking action to stop you using your card or account and to recover any monies owed as a result of your activities if you:
• use your card or account fraudulently;
• do not use your card or account in accordance with these Terms & Conditions; or
• have been grossly negligent, for example by failing to keep your account details, card, or PIN secure or by failing to notify us without delay after your account or card is lost, stolen, or after your account has been used by someone else or where your account has been compromised.
b) any actions that the TPP takes in relation to suspending or terminating your use of their service or for any resulting losses.
30. Can I assign my rights or obligations under these Terms and Conditions?
You may not transfer or assign any rights or obligations you may have under these Terms & Conditions to any other person without our prior written consent.
FINANCIAL HOUSE (FH) may assign the benefit and burden of these Terms & Conditions to any other person at any time on giving you 60 days prior notice of this. Any such assignment by Financial House (FH) will not affect your rights under these Terms & Conditions.
31. Governing law
These terms and conditions and all communications will be available and provided for in English. These Terms and Conditions shall be governed by and construed in accordance with the laws of England and Wales. Any disputes, claims or proceedings arising out of or in connection with these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of London, United Kingdom.
In these circumstances you will not be refunded, and we reserve the right to charge you for any reasonable costs that are incurred in taking action to stop you using your account and to recover any monies owed as a result of your activities.
If you have used your card and account in accordance with these Terms & Conditions, your maximum liability for any unauthorised transaction resulting from a failure to keep your personalised security features safe or the use of a lost or stolen card before you notify Customer Services will be 50 GBP
At our discretion, you will be charged an Administration Fee if we have to manually intervene to complete a payment or rectify an error on the account caused by an error or omission on your part.
28. Am I permitted to give access to third party providers?
You may allow regulated Third-Party Providers (“TPPs”) (including Account Information Service Providers (“AISPs”) and Payment Initiation Service Providers (“PISPs”)) access to your online account; either to make payments, obtain account balances or obtain information on previous transactions.
Before giving consent to a TPP, you should:
a) ensure that the TPP is authorised and holds the correct regulatory permissions;
b) check what level of access you are consenting to, how your account will be used and the extent to which your data will be shared with third parties; and
c) familiarise yourself with your obligations and rights under the TPP agreement, in particular your right to withdraw consent to access your account.
FINANCIAL HOUSE (FH) may refuse to allow a TPP access to your account where there is a concern about fraudulent or unauthorised access.
FINANCIAL HOUSE (FH)are not party to, or responsible for, any agreements between you and a TPP. Subject to any rights to refund you may have under these Terms and Conditions, FINANCIAL HOUSE (FH)shall have no liability for:
a) any loss whatsoever, as a result of using a TPP and entering into a TPP agreement; and
b) any actions that the TPP takes in relation to suspending or terminating your use of their service or for any resulting losses.
30. Can I assign my rights or obligations under these Terms and Conditions?
You may not transfer or assign any rights or obligations you may have under these Terms & Conditions to any other person without our prior written consent.
FINANCIAL HOUSE (FH) may assign the benefit and burden of these Terms & Conditions to any other person at any time on giving you 60 days prior notice of this. Any such assignment by Financial House (FH) will not affect your rights under these Terms & Conditions.
31. Governing law
These terms and conditions and all communications will be available and provided for in English. These Terms and Conditions shall be governed by and construed in accordance with the laws of England and Wales. Any disputes, claims or proceedings arising out of or in connection with these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of London, United Kingdom.
