Terms and Conditions

1. Introduction

These terms and conditions (“terms”) apply to all users of our mobile phone application (“Our App”) and our website. Please read them carefully. If you don’t accept them, please don’t use our services.

We may update these terms from time to time. Any updates will be posted to this page. If you continue to use our services after the update, you will be considered to have accepted the new terms, and they will apply to you.

You should also read our Privacy Notice and Cookie Policy carefully before you decide to use our services.

These terms and conditions apply to your use of Our App and our website.

2. Who we are

We are Uplift Money Ltd. We own and operate Our App and our website www.upliftmoney.com. We provide a range of services to help you better understand and improve your financial situation.

Uplift Money Ltd is a company registered in England (No. 13159729). Our trading address and registered office address is the Steam Mill Business Centre, Steam Mill Street, Chester, CH3 5AN.

Uplift Money Ltd is an Appointed Representative of Digitonomy Limited, which is registered in England and Wales (Company Registration Number 08385135, FCA FRN 690249). Digitonomy Limited is authorized and regulated by the Financial Conduct Authority in respect of:

  • Credit broking
  • Providing credit information services

Depending on which of our services you use, we may act as an independent credit broker. We are not a lender.

Uplift Money Ltd is also partnered with Tink AB (“Tink”), our open banking partner. Tink is registered in Sweden (Company Registration Number FC038906). For more information about our open banking services, please see section 3.5 below.

We also provide a rent reporting service. While this is not an FCA regulated activity, it may help to build your credit history.

3. Our Service

3.1 Costs and pricing

Unless otherwise stated, all of the services described in these terms and conditions are totally free. You don’t have to apply for any of the products we offer (“products”) to use our services, and we don’t sell your data or charge third parties for access to it. Instead, the partners that we work with, such as credit issuers, credit brokers, or other service providers (referred to in these terms as “partners”), pay us a commission if you take out a new product with them.

3.2 Creating your Uplift Money account

You need to create an account with us so that you can use our service. This will enable you to access, for example:

  • Our rent reporting tool, which could help to improve your credit history.
  • Our partners’ credit product comparison services.

When you create your account, (and on an on-going basis) you must provide true, accurate, and complete information about yourself. We recommend that you update your account information regularly, and as soon as possible if something important changes (e.g., your address). You can update your information in the “Your Details” section of your Uplift Money account. If you are not sure how to amend your information, please contact us.

3.3 Rent reporting

3.3.1 What is rent reporting?

Rent reporting means telling credit agencies about when and how you pay rent. If you pay your rent on time, it can help to build your credit history. It's a way for people to show they're responsible with money, even if they don't have other types of credit.

Improving your credit history may help to increase your likelihood of being eligible for certain credit products such as credit cards and personal loans, particularly if you haven’t had many credit agreements in the past.

3.3.2 Who can report their rent?

If you meet the other requirements to use our service (as set out in clause 4.1) and you are a tenant (rather than a homeowner) in a formal rental agreement with a private or public landlord, you can use Our App to report your rent to Experian, a credit reference agency.

Before reporting your rent through our app, please read both our Privacy Policy and Experian’s Terms & Conditions to understand how your personal data will be processed to do this.

3.3.3 How our rent reporting service works

To use our rent reporting service, you will need to connect the bank account you use to make rental payments to Uplift Money through our open banking partner, Tink. For more information on open banking, see clause 3.5.

We can only report rental payments that we can accurately identify through your connected bank account. By refreshing your open banking connection every 90 days when prompted, you can help to minimize disruption to this service. Where we cannot identify your payment, we will contact you as soon as possible to enable you to make a correction.

We will not report missed or unidentified payments to the credit reference agencies. However, after 3 consecutive months of missed or unidentified rental payments, we will stop attempting to report your rental payments to Experian.

3.4 Credit product comparison

You may have the opportunity while using Our App to apply for other products and services such as credit cards, personal loans, bank accounts, and credit building tools. We do this by partnering with Creditec Limited, another company within our Group. If you choose to search for one of these products via Creditec, your personal data will not be shared with them.

3.4.1 Applying for credit products with our partners

We can’t influence partner decisions about you. If you want to apply for a product, you can do so by following the link from the website or within Our App to the relevant partner’s website.

We don’t control the partner’s website, so we can’t be responsible for any personal data that the partner collects, stores, and uses through their website without our involvement. You should always read the privacy notice of each website you visit carefully and before you submit any personal data to the partner.

If you apply, you will then be subject to the relevant partner’s terms, including its privacy notice. The partner will provide you with the terms for that product. The partner will also carry out its own identification and validation checks (including fraud prevention procedures) and credit application checks in accordance with its own criteria.

Any full credit check carried out by any partner (also known as a ‘hard search’) will be visible on your credit file to all lenders in the future.

3.5 Open banking

If you choose to connect your bank account to your Uplift Money account via our open banking partner Tink, we will use your open banking data to provide you with Uplift Money services that are powered by open banking data.

We will use your open banking data for our rent reporting feature (see section 3.3 above). If you use our open banking service, you will be subject to Tink’s own End-User License Agreement (EULA), which can be found here.

Your bank account will remain connected for 90 days. You can then choose to renew your connection or let it expire. You can disconnect your account at any time through your Uplift Money account. Connecting your account will not affect your credit score or credit report in any way.

You can find out more about how we use your open banking data in our Privacy Policy.

4. Using our services

4.1 Who can use our service

If you choose to use our services, you confirm that:

  • You’re at least 18 years of age and resident in the United Kingdom;
  • You will only use our services and materials (e.g. content from our website, Our App or emails, referred to in these terms together as the “related materials”) in your own name, for personal and non-commercial purposes;
  • You won’t allow anyone else to use your account, either for their own purposes or on your behalf.

4.2 Prohibited uses

Whilst using our service, you must not:

  • Misuse the website or Our App by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful;
  • Attempt to gain unauthorized access to the website or Our App, the server on which they are stored, or any server, computer or database connected to them;
  • Harm the website or Our App by a denial-of-service attack or a distributed denial-of-service attack;
  • Scrape, extract, download, upload, sell or offer for sale any of the website or Our App or the related materials;
  • Use, or cause to be used, any computerized or other manual or automated program or mechanism, tool, or process, including any scraper or spider robot, to access, extract, download, scrape, data mine, display, transmit, or publish, any of the website or Our App or the related materials whether for commercial benefit or otherwise;
  • Bypass robot exclusion headers or other similar measures that we may use to restrict access to, or caching of, the website or Our App or the related materials;
  • Distribute, reproduce, modify, store, transfer or in any other way use any of the related materials (including as part of any database, information, archive, website or similar service) other than as set out above.

Carrying out any of these acts may constitute a criminal offence. We’ll report any criminal acts to the relevant law enforcement authorities and we’ll co-operate with those authorities by disclosing your identity to them. If you do any of these acts, your right to use the website and Our App ceases immediately from the time of the relevant act.

4.3 Intellectual property

You acknowledge and agree that we or our licensors own all intellectual property and other proprietary rights in and to the website and Our App and the related materials.

4.4 Our right to use your information

When you use our services we need to use the information you provide to us on the website or Our App and information which is obtained in response to your use of the services so that we can provide, personalize and improve the website and Our App and the services. For more information about how we use your personal data, please see our Privacy Policy.

4.5 Access to your account

You can access your account using your email address in combination with either your pin code or the biometrics stored on your device. You must not share your username or password with anybody else or let anybody else use your account.

You agree to:

  • Keep your username and password secure;
  • Be fully responsible for all use of the website or Our App using your username and password;
  • Log out of your website and Our App account at the end of each session; and
  • Let us know immediately if you suspect or become aware of anyone else using your username and password or any other breach of security, by contacting us here.

You are responsible for:

  • Setting up your device to access the website or Our App, including using your own virus protection software;
  • Ensuring that you comply with local laws if you choose to access the website or Our App from outside the United Kingdom.

4.6 Availability

We can’t always guarantee that our website and Our App will be available at all times. Whilst we will endeavor to minimize disruption to our service, there may be times when our service and other related materials are unavailable. In these instances, we accept no liability for any losses, damages or costs that arise from or relate to our services being unavailable.

To provide the best service possible, we may update Our App and the services available within it at any time at our sole discretion.

Whilst we will take all reasonable measures to ensure this is not the case, we cannot guarantee that Our App and/or website will be free from malicious code, viruses or bugs.

4.7 Third party content and links

Links on the website and Our App to third party websites and resources are provided solely for your information and convenience. By providing the links we don’t approve, endorse or make any representations about any such third-party websites or any material found on them or your use of that material. If you use these links, you leave the website and Our App. You access third-party websites and resources entirely at your own risk.

4.8 Relying on information that we provide

Any information provided to you by us as part of the services is provided for guidance and information only. You should not rely on the information provided as part of services, and we are not responsible or liable to you if you rely on it or take any action based upon it.

4.9 Third party products

We are not responsible for:

  • The products provided by third parties that are featured on our website or Our App (e.g. credit cards, loans, bank accounts, or credit building tools, etc.); or
  • For any contract you enter into with a third party as a result of using our services.

If you have any problems with the products featured on our website or Our App, you should contact the product provider directly.

4.10 Linking to our website or Our App

You may not link to the website or Our App only without our express prior written consent. Please contact us if you would like to discuss this with us.

5. General

5.1 Limitations on liability

5.1.1. Disclaimer

We make no representations, warranties, or guarantees, whether express or implied, that the website and Our App, the related materials, or our services are accurate, complete, or up to date or fit for your purpose. To the fullest extent permitted by law, we and the Comparitec group of companies (by which we mean Comparitec Group Limited and its subsidiaries) expressly exclude all guarantees, conditions, warranties, representations or other terms which might otherwise be implied by statute, common law or the law of equity to the website and Our App, the related materials, and our services, whether express or implied.

5.1.2. Legal liabilities

Nothing in these terms excludes or limits the Comparitec group’s liability for: death or personal injury arising from our negligence; fraud or fraudulent misrepresentation; or any other liability that can’t be excluded or limited under applicable law.

5.1.3. Limited loss types

Subject to section 5.1.2. above, the Comparitec group shall not be liable to you or any third party for any loss or damage, however arising, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • Any defamatory, offensive, or illegal conduct of any third party through the website or Our App or otherwise;
  • The website or Our App, the related materials or the services being unable to be used or unavailable for use for any reason;
  • Any losses, damages or costs that arise from or relate to you failing to comply with the terms;
  • Any loss or damage caused by 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 the website or Our App, downloading material from the website or Our App or visiting a website linked to the website or Our App;
  • Any loss or damage whether direct or indirect for:
    • Loss of income or revenue;
    • Loss of business;
    • Loss of profits or contracts;
    • Loss of anticipated savings; or
    • Loss of or damage to data.

5.2 Duration of the services

5.2.1. Suspending your account

If we believe that:

  • You haven’t complied with any of these terms;
  • You are misusing any services (for example by using the rent reporting tool in a way that isn’t permitted or that is fraudulent); or
  • That your use of the website or Our App is in any way detrimental to us or one of our partners; or
  • Your use of the website or Our App is likely to be a security risk;

We may in our sole discretion suspend your access to the website and Our App or any part thereof without notice.

5.2.2. Terminating your account

At any time, with or without cause, we may terminate your contract with us and your ability to use the website and Our App, the related materials or the services immediately by giving you written notice (including by email) to any of your contact addresses which you have provided to us. We may notify the credit reference agencies we work with if we terminate your agreement in this way.

5.2.3. End of use

You can stop using the website and Our App and the services at any time by closing your account. You can close your account by going to the “Your Details” section of your account or by contacting us. If you do close your account, we can’t give you access to it again.

For more information on how to close your account, please visit www.upliftmoney.com/close-account

5.4 Validity

Each part of the provisions of these terms is severable. If any part of these terms is held to be invalid or unenforceable, that part shall be deemed modified to the minimum extent necessary to make it valid and enforceable and the remainder of these terms will remain valid and enforceable.

5.5 Third parties

Save as expressly provided in these terms, nothing in these terms is intended to give any person any right to enforce any term of these terms which right would not exist without the Contracts (Rights of Third Parties) Act 1999.

5.6 Control

We shall not be liable for any delay or failure to perform any of our obligations under these terms if the delay or failure is caused by circumstances beyond our reasonable control.

5.7 Transfer

We may, but you may not, assign or otherwise transfer any of the respective rights or obligations of each of us under these terms.

5.8 Waiver

No failure or delay by us to exercise any right provided to us in these terms or by law shall be a waiver by us of that or any other right, nor shall it restrict us from exercising that or any other right. No single or partial exercise of any right by us shall restrict the further exercise of that or any other right.

5.9 Entire agreement

These terms constitute the entire agreement and understanding between you and us in relation to their subject matter and your use of the website, the Our App and the services. Other than in circumstances of fraud, all previous agreements, undertakings, representations, warranties, promises and arrangements between you and us relating to the subject matter of these terms or your use of the website, the Our App or the services are superseded.

5.10 Law

These terms and your use of the website and Our App, the related materials and the services are governed by and construed in accordance with the law of England and Wales. Any disputes (including non-contractual disputes or claims) will be decided only by the Courts of England and Wales.

6. How to contact us

Your feedback helps us improve our services. Please let us know what we’re doing right, what needs improving, or if you have any questions. You can contact us by clicking here. We also have a separate Complaints Policy that is available here.


Last updated 24/10/2023