Terms & Conditions

30 January 2020 to 30 November 2021

These terms and conditions ('Terms') apply to your use of our mobile application ('App') and our services described below and form part of the agreement between you and Usnoop Limited ('Snoop', 'we', 'us'). 

By using the Snoop App you agree to these Terms. You should read these Terms carefully along with our Privacy and Cookie Policy, and only use our service if you are over 16 and you agree to them.

These Terms have no fixed or minimum duration. They will apply until either you or we end this agreement (see 'Your right to cancel and end this agreement' and 'Our right to suspend, restrict or end this agreement')

What is Snoop?

Snoop is a robot friend for your money that will do three key things for you:

1. Snoop organises your finances so you can see all your different online bank accounts, savings accounts and credit cards in our App, meaning you can always see where you are with your money. We do this by using technology to communicate with your third-party bank account providers in a secure way.
   
2. Snoop automatically checks how much you are being charged for things by the banks and big businesses you deal with. If Snoop thinks you're being taken advantage of, you're overpaying for something, or it thinks there's something you should know that will benefit you, Snoop will send an alert to tell you. We call these ‘Snoops’. ‘Snoops’ may be sourced from Snoop itself, third parties or other Snoop customers (see ‘Submitting a Snoop’).
   
3. Snoop scours the web, looking for super-smart ideas that it thinks could save you money, or help you more generally. Snoop will create a personalised list of these ideas just for you and communicate it to you. If Snoop finds any ideas that it thinks are particularly important, Snoop will send an alert to tell you.
   
4. We are constantly developing and improving the Snoop App, so we will also tell you about new features of Snoop that we’ve launched that you might not be aware of, as well as telling you about features of Snoop that we can see you've not used.

We recognise everyone will want something different from Snoop – so that’s why Snoop has been built to learn from each user, so we can provide you with a customised experience that will be the most help for you.

How does Snoop do it?

Through the secure processing of your personal data. Without access to your personal data, and the right to process it as required, Snoop cannot perform the function for you that it has been designed for. Your privacy and security are our number one priority, and your data is always protected by bank-level security. 

Please see our Privacy and Cookie Policy for details of how and on what basis we collect information about you, and the ways in which you and your data are protected.

Snoop isn’t endorsed or sponsored by the providers of your personal accounts.

As part of the service, Snoop may provide content, website links and offers from third parties. We will do our best to check accuracy, but we aren’t responsible for the products and services provided to you by these third parties – these fall under the terms and conditions of the third party themselves.

What does Snoop cost?

Snoop is free to use. There is no subscription charge or price that you are required to pay, unless you choose to do so. But so we can keep going as a business we may receive payments if you choose to use or purchase third party products and services we promote. The suggestions that Snoop makes are not driven by whether we receive a payment or not - we don't compromise ourselves in that way, we always look for the best fit and service for the users of Snoop.

As you would expect, these Terms only cover the services provided by us. They don't deal with taxes or costs that might be charged by third parties that you need to pay in order to receive our services – for example costs charged by your mobile phone provider.  

Using Snoop

To use Snoop you need to download the Snoop App and register to create a Snoop account in the App. You can only do this on one device.

If you decide not to connect a bank account straight away (see ‘Connecting your personal accounts’) you will still be able to read and use ‘Snoops’, but the number of Snoops and how relevant they are will increase as you link and we can learn more about where you spend.

Your use of the Snoop App is also subject to the terms and conditions and privacy policies of the app store you downloaded it from, but if there is a conflict between their and our terms and conditions, ours take priority.

Some parts of the Snoop service depend on other people (third parties and partners). We always try to keep Snoop available, though we can't promise that it will always be so or will work perfectly if the Snoop App or a partner service is undergoing maintenance. If this happens, we’ll tell you about it if we think you need to know and will get things back up and running as soon as we can.

For the Snoop App to work, your device needs to meet our operating system requirements. You can check these here. If we know your device’s operating system and we plan to stop supporting it, we’ll give you at least 30 days’ notice. If you don’t install operating system updates and new versions of the App, the App might not work properly or at all. 

The App may not work as designed if your device has been changed or tampered with (better known as ‘jail breaking’ or ‘rooting’).

We ask that you don’t attempt to try to access, adapt, reproduce, duplicate, copy, sell, trade, resell or harm any part of the Snoop App in any way, try to collect data in the service or in transmission between our systems, or use the service unlawfully. Also you won’t (and won’t attempt to) reproduce, duplicate, copy, sell, trade or resell any products or services bearing any trade mark, trade name, logo or service mark owned by or licensed to Snoop in a way that is likely or intended to cause confusion about the owner or authorised user of such marks, names or logos. If this happens you may be responsible for any losses we incur as a result.

Keeping you secure

When you register, you choose a security PIN which you must keep secret. If you forget it we will be able to help you re-set it in some circumstances. We’ll never ask you to tell us your security PIN so you shouldn’t share it with anyone, even if you think they work for Snoop.

The Snoop App may also use your device’s biometric capabilities (such as fingerprint or facial recognition) to give you access, if you choose to do this.

As with any service holding your financial information, it is important to keep any login details secure. We will ensure that your personalised security credentials are not accessible to other parties and are transmitted through safe and efficient channels.

You must take all reasonable steps to keep your security PIN and the device on which the App is installed safe and secure, and you undertake that you will not disclose your PIN or allow it to be used by anyone else. You must not leave the device you are using unattended while you are logged in to the App. If the device on which the App is installed is lost or stolen, or you suspect that someone else might know your security PIN, you must tell us immediately (see 'Contacting Each Other'). You must delete the App from your device if you change your device or dispose of it.

Connecting your personal accounts

To get the most value from Snoop you will need to connect your online personal accounts, such as current accounts and credit cards.

We will use technology provided by a third party service-provider to access information about the balances on your personal accounts. You will be asked to provide your explicit consent to us accessing this information. We will request your personal account information from your providers in accordance with your explicit consent until the consent expires or is withdrawn.

Our service also allows information to be obtained (such as transaction history) from your personal accounts for use with other third parties. If you select this option and provide your explicit consent to us, we will provide the information to you and the relevant third party in line with your instructions. We will request the relevant information from your personal account providers on a regular basis in accordance with your consent until the consent expires or is withdrawn. Snoop will not request more information than is necessary to provide the specific service that we are offering, and we will not request information from your personal account providers which could be used to carry out fraud. For example, we may ask for an account number, but we won't ask for any secret passwords, numbers or codes linked to your personal accounts.

You may withdraw or vary your consent for us to link to any of your personal accounts at any time by emailing us at hello@snoop.app or from within the Snoop App itself if that feature is available.

Snoop won’t check the accuracy of the information given by your personal account providers and won’t be able to correct or investigate your personal accounts on behalf of your providers. You should check your personal accounts if you think you might go overdrawn and/or you are not sure if you have enough money to make a payment. We are not responsible for ensuring that you are always aware of your personal account balances, or that the balances we show you are always up to date. We are also not responsible for any action you choose to take as a result of any Snoops we provide.

Submitting a ‘Snoop’

If you have a ‘Snoop’ you would like to share with other Snoop customers, you can send it to us. We will check it and possibly amend or add more content to it, and we will publish it if we agree it may be of interest to other Snoop customers, potentially providing you with credit unless you tell us you don’t want this. 

When you submit a Snoop, you confirm you have all the necessary rights to allow us to reproduce and distribute it to other Snoop customers.

You can also send us ideas and feedback on how to make Snoop better. We may use this feedback to develop new products or features, but we won’t offer you payment or recognition for doing so.

Snoop Rewards

Sometimes we'll offer rewards for things like linking your accounts or inviting friends to join Snoop. Unless we have given an expiry date, we can withdraw or change these offers any time, without letting you know in advance.

Contacting each other

We will provide you with information and Snoop notifications primarily through the App, although we may also send you information and Snoops to your email address or mobile number by SMS where we consider this appropriate. Take a look at our Privacy and Cookie Policy for more information on how this works. You are responsible for maintaining and regularly checking your App, device or e-mail inbox for information and notifications from us.

If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can. We will communicate with you in English.

You can contact us through the Snoop App or you can email us at hello@snoop.app. 

Your right to cancel and end this agreement

You have a right to cancel our service without charge at any time in the first 14 days after you have registered with us. You can do this by requesting to close your Snoop account by emailing us at hello@snoop.app or from within the Snoop App itself if that feature is available, and then uninstalling the App. 

You can also end this agreement at any other time without charge in the Snoop App by contacting us.

If you cancel or end this agreement, we will no longer use your personal data in the ways laid out in the Privacy and Cookie Policy. Once a further 12 months have passed, we will anonymise and archive all personal data we hold about you.

Our right to suspend, restrict or end this agreement

We may stop providing the service if you’ve not used Snoop for a while, but we’ll always check with you first before we do. We may also close or freeze your account without your permission if you have been abusive to a member of Snoop staff or community member, or submitted inappropriate and/or offensive content.

We may at any time suspend, restrict, or end your use of our service, your account or the App if we think your security may have been breached, or your privacy could be at risk through attempted fraudulent activity, including if:

1. we reasonably believe that your security PIN has not been kept safe or the security of your App or the device on which it has been installed has been compromised;
   
2. we reasonably suspect that your security PIN, the App, or the device on which it has been installed has been used fraudulently or without your permission; or
   
3. we need to do so to comply with the law of any jurisdiction.

Unless informing you would compromise reasonable security measures or otherwise be unlawful, we will inform you before suspending, restricting or cancelling our service, your account or the App, and we will tell you our reasons why we’ve done this. If it is not practical to inform you in advance and unless doing so would compromise reasonable security measures or otherwise be unlawful, we will inform you immediately afterwards, giving the reasons why we’ve suspended or cancelled your service. We will allow you to resume your use of the App or the service as soon as practical after the reasons for stopping its use cease to exist. 

In the event that we need to contact you in respect of suspected fraud or any other security threat we will do so in the way that we think is the most secure in the circumstances.

Making changes to this agreement

These Terms will always be available in the Snoop App and on our website.

We can make changes to these Terms from time to time, including introducing fees or charges for certain parts of our service. As this agreement has no fixed duration, we can't predict all of the reasons why we might change these Terms, but we have set out some of these below. We'll only ever make changes that are proportionate and reasonable and if we have a valid reason for doing so, taking into account your interests (even if it is not one of the reasons set out below).

We might make changes because:

1.  we have made changes to our technology or other systems
   
2. there have been changes to legislation, changes in regulatory requirements or new case law that affects us
   
3. there have been changes in the cost to us of funding our service, or
   
4. for any other valid reason.

We will give you at least two months' prior written notice by email or through the App of any intended change to the Terms along with the new version of the Terms. If you don't agree to the changes, you can close your Snoop account by emailing us at hello@snoop.app or from within the Snoop App if that feature is available. If you don’t close your Snoop account, we’ll assume that you’re happy with the changes we’ve made. You have a right to end this agreement at any time before the proposed change takes effect.

How to make a complaint

If you have a complaint, please send us a message from the Snoop App or email us at complaints@snoop.app. We’ll send you a prompt reply and will get back to you with a full response to your complaint as soon as we can, but always within 15 business days of receiving it. We'll do our best to fix the problem.

If you're still not happy, you can refer your complaint to the Financial Ombudsman Service Exchange Tower, London E14 9SR, by calling 0800 023 4567 or 0300 123 9123 or by sending an email to complaint.info@financial-ombudsman.org.uk. For more details you can visit their website at www.financial-ombudsman.org.uk.

Information regarding our internal complaint handling procedures can be found on our website.

Snoop customers do not qualify for compensation under any statutory or other compensation scheme should we become unable to meet our liabilities.

Applicable law

These Terms, and all our dealings with you are governed by the laws of England and Wales. Any dispute can be dealt with by an English or Welsh court unless your address is in Scotland (where it will be dealt with by the courts of Scotland); or Northern Ireland (where it will be dealt with by the courts of Northern Ireland).

These Terms are provided in English.

About us

We are Usnoop Limited. Our registered office is at 10 Norwich Street, London, United Kingdom, EC4A 1BD and our company number is 11797870. 

We are registered with the Financial Conduct Authority under the Payment Services Regulations 2017 (firm registration number 911638) for the provision of payment services.

Snoop isn’t authorised to give financial or other advice. 

You can talk to Snoop at any time by sending an email to hello@snoop.app. Being a robot can be a lonely job, so do drop Snoop a line if you’ve time to say hello.