Yeeld T&C

1.1
Our agreement is with you (when you use our app/services/customer) and Yeeld Technologies Limited (Yeeld/Yeeld technologies/us/we). Yeeld's products and services are provided by Yeeld Financial Services LTD (15776510) and Yeeld Investments LTD (15775018), wholly owned subsidiaries of Yeeld Technologies LTD (14870361) registered in England and Wales with a registered office at Level 18, 40 Bank Street, Canary Wharf, London, England, E14 5NR. Whenever we refer to ‘Yeeld’, ‘we’ or ‘our’, we mean all subsidiaries and companies of Yeeld Technologies Limited.
1.2
Yeeld Investment Limited (FCA no: 1019161) is an appointed representative of WealthKernel Limited is authorised and regulated by the Financial Conduct Authority, no. 723719, registered in England and Wales, no. 09686970, with a registered office at 41 Luke St, London, UK, EC2A 4DP. Yeeld Financial Services are a co-brand of Payload Ltd, who act as a Programme Manager under Transact Payments Limited (TPL – 108217). Transact Payments Limited is a licensed electronic money institution authorised and regulated by the Gibraltar Financial Services Commission.
1.3
You agree to these terms and conditions when you register for Yeeld app. If you do not agree to these Terms and Conditions, you must not use Yeeld app. You must be 18 years old and a resident of United Kingdom to use our app and services. You can contact us through the Yeeld App.

(Yeeld Technologies LTD (14870361) registered in England and Wales with a registered office at Level 18, 40 Bank Street, Canary Wharf, London, England, E14 5NR.)
1.4
You should also read Yeeld’s Privacy Policy, Cookie Policy and FAQs and Yeeld Connect Terms and Conditions. By using the Service, you agree to the terms of our Privacy & Cookie Policy, which forms part of these Terms of Use and our agreement with you.
1.5
The Yeeld Connect Terms and Conditions shall also govern and apply in full to the use of Yeeld Companion. By accessing or using Yeeld Companion, you acknowledge and agree that you are bound by the terms set forth in the Yeeld Connect Terms and Conditions, in addition to any specific terms that may be applicable to Yeeld Companion.
How you can contact us
You can contact us through Yeeld app, you can also email us at Support@yeeld.com and call us at 02080505813.
Our Partners

2.1
We use Comply Advantage and Sumsub as trusted Know Your Customer (KYC) and Anti-Money Laundering (AML) verification providers. These partners process your personal data securely to fulfil regulatory obligations, prevent financial crime, and ensure compliance. Your personal and financial data provided during verification processes are handled according to strict privacy and data protection standards.
Privacy details of these services are available here:
- Comply Advantage Privacy Notice
- Sumsub Privacy Notice

Your Account
3.1
Your Yeeld account and associated Visa Consumer Debit services are issued by Transact Payments Limited (“TPL”), a company authorised and regulated by the Gibraltar Financial Services Commission as an electronic money institution.
3.2
By clicking to accept the Yeeld Wallet and Visa Consumer Debit Terms and Conditions, which govern your use of the account and card services, you agree to be bound by them. These Terms and Conditions outline your rights and responsibilities when using the account and card. You must read and accept these terms prior to using the card or wallet features in the Yeeld App. If you do not agree to them, you must not activate or use the Yeeld card services.

4.1
These terms and conditions are between you and Yeeld Investments LTD for the investment services provided in the Yeeld app. The provisions of these T&Cs will apply to you from the date on which you open your investment account via Yeeld app in accordance with the conditions set out below, and once you accept these conditions via the Application. Yeeld Connect conditions will apply for the provisions of using the app.
4.2
When you open a Yeeld Investment Account, you agree not only to our Terms and Conditions but also to the Terms and Conditions of WealthKernel, which acts as your custodian and provides trading and settlement services on your behalf. WealthKernel is authorised and regulated by the Financial Conduct Authority (FCA) under reference number 723719, which you can use to locate them on the FCA register. The company is registered in England and Wales under company number 09686970.
4.3
By opening an investment account with Yeeld, you will automatically become a customer of WealthKernel. Their Terms and Conditions apply to your account and are detailed below:
4.4
WealthKernel Limited are your custodian. This means they are responsible for holding your cash and investments safely. They are regulated by the Financial Conduct Authority (FCA). They hold your cash and investments separately from their own (ring fenced) in accordance with the FCA’s client asset rules. Their custodian terms can be found here.
CONSENT
4.5
It is important to us that you fully understand and agree to these Terms, as well as any product and service disclosures you receive. If you have any questions or require clarification, please contact us at support@yeeld.com. Unless otherwise agreed in writing, these Terms and product/service disclosures shall apply to all services we provide to you and any associated work.
If you agree to these Terms, please indicate your consent below. Your consent is required before we can provide you with our services.
By agreeing to these Terms:
- You acknowledge that you have carefully read and understood these Terms and agree that they apply to all services you receive from us.
- You elect not to receive information on every individual transaction executed on your behalf but instead receive periodic reports every three months, unless otherwise agreed.
- You authorize the transfer of information, on a confidential basis, as required under these Terms, between third parties.
- You confirm that you have read, understood, and agree to our Order Transmission Policy and Wealthkernel’s Execution Policy (https://www.wealthkernel.com/policies) concerning all transactions executed by Wealthkernel on your behalf. Furthermore, you confirm that:
  - If any of your orders may be executed outside a trading venue, we will inform you accordingly, and you expressly consent to such execution.
  - With respect to client limit orders, you expressly instruct Wealthkernel not to take measures to facilitate the earliest possible execution of unexecuted orders in a manner easily accessible to other market participants.
  - Wealthkernel may aggregate your orders with those of other clients. While Wealthkernel will act fairly, such aggregation may, in certain circumstances, be disadvantageous to you in relation to a specific order.
Representations and Warranties
You expressly understand and agree with section 10 of the Yeeld Connect terms and conditions.
Transferring funds to us
4.6
You may transfer funds from your Yeeld current account to your investment account. We only accept funds from a UK bank account that is in your name (referred to as your “Account”). Unless otherwise agreed in writing, all transfers into and out of your account will be in e-money, and payments must be made via direct debit, bank transfer, or standing order. You may also make payments through the open banking integration between our app and your banking app or website. If you choose to make a payment via open banking, the transaction will be processed by a third-party provider.
Domestic bank transfers within the UK are generally processed within three to five days, though in some cases, they may take longer. Services related to the transferred funds will only commence once the funds have been successfully received.
Funds used for investment must be wholly owned by you, with no rights held by any other individual or entity. As part of our legal and regulatory obligations concerning financial crime, we reserve the right to reject any payments if it is determined that you are not the beneficial owner of the funds.

6.1
Please refer to our fee information page for details on fees and charges yeeld.com/fees. We apply a management fee per annum published on yeeld.com/fees (inclusive of VAT where applicable) on your total assets under management invested with us. Additional taxes, costs, and charges may apply that are not levied by us. These may include, but are not limited to, fund charges, which are deducted directly by the respective fund provider.
6.2
While our fee is quoted as an annual percentage, it is deducted monthly in arrears directly from your assets under management. Fees are debited during the first week of each month. If you deposit or withdraw funds partway through a month, fees will be calculated on a pro-rata basis, meaning you will only be charged for the period your funds were invested with us during that month. A detailed breakdown of our costs and charges is available upon request. The exact amount deducted in fees can also be viewed in the Transaction History section of the app.

We will treat you as a retail client. This means that you will have the highest level of protection under the rules made by the Financial Conduct Authority (the “FCA Rules”). You will also have the right to take any complaint which you cannot settle with us to the Financial Ombudsman Service. You may at any time ask us to re-categorise you as a professional client or an eligible counterparty, but it is not our general policy to re-categorise retail clients and we can reject your request. When we refer to the FCA and the FCA Rules we also mean any regulator which may replace the FCA and the rules it may make to regulate our business.
We are covered by the Financial Services Compensation Scheme (“FSCS”) through wealth kernel. This means you may be entitled to compensation from the scheme if we cannot meet our obligations. The level of compensation depends on the type of business and the circumstances of your claim, and you are covered up to a maximum of £85,000 per person. Further details of the Financial Services Compensation Scheme are available from www.fscs.org.uk

If you have an enquiry or complaint about the Service, or simply wish to get in touch, you should contact our customer services team via our app, email complaints@yeeld.com or phone number. In the event that you have a complaint we cannot settle, you may be entitled to refer it to the Financial Ombudsman Service (FOS). Further information about the FOS is available from their website www.financial ombudsman.org.uk. Please refer to our complaints policy (www.yeeld.com/complaints) for further information on how we resolve complaints and the timeframe you can expect us to resolve your complaint. at

9.1
We may update these Terms for several reasons, including but not limited to:
- Compliance with changes in law, regulation, or rulings from the Financial Ombudsman Service.
- Adjustments in taxation affecting either our business or your account and related products.
- Requirements imposed by regulatory or tax authorities, as well as industry guidance or codes of practice.
- Evolving investment market practices, including changes in securities trading and administration that may impact your account.
- Enhancements to clarify the Terms and any other modifications that do not negatively affect you.
- Situations where fulfilling the Terms becomes impractical or impossible due to circumstances beyond our reasonable control.
- Modifications to reflect updates to our services or how they are provided.
- Revisions to applicable account charges.
- Expanding or refining the range of investments we offer.
- Enhancements to our online services driven by technological, service, or proposition improvements.
9.2
Changes that result from factors beyond our control, such as legislative amendments, or modifications that benefit you, such as service improvements, will take effect immediately. We will notify you at the next appropriate opportunity. We are not liable for any delay or failure in fulfilling our obligations if caused by events beyond our reasonable control. Such events include, but are not limited to:
- Natural disasters such as fires, earthquakes, storms, or floods.
- Explosions, nuclear incidents, or collisions.
- Acts of sabotage, riots, civil disobedience, strikes, or terrorism.
- Epidemics, national emergencies, or acts of war.
- Legal or regulatory changes imposed by governmental or regulatory bodies.
- Market conditions that affect transaction execution or settlement.
- Cyberattacks, network disruptions, or interruptions to internet or telecommunications services.
- Disruptions in essential services, including electricity and third-party service providers.
- For any material changes, we will provide written notice at least 30 calendar days before they take effect whenever possible. If advance notice is not feasible, we will notify you as soon as reasonably practicable after the change occurs.

10.1
To enable us to provide you with our services effectively, you are required to comply with certain obligations. You must agree to the terms governing our relationship and confirm that any information you provide, including within your suitability questionnaire, is accurate and not misleading. It is your responsibility to promptly notify us of any changes to the information supplied.
10.2
You must provide all necessary information and documentation required for account opening and any additional details reasonably requested to fulfill our legal, regulatory, and contractual obligations. You confirm that the investments and cash within your account portfolio are entirely owned by you and free from liens, charges, or other encumbrances. You agree not to engage in, or authorize any third party to engage in, transactions involving the investments in your account except through us. Additionally, you undertake to sign and submit any documents requested to enable us to fulfill our duties.
Specific Risks of Investments
10.3
It is essential that you understand the risks involved when making an investment. In addition to the general risks outlined in our Terms and Personal Investment Report, the following are specific risks associated with different types of assets:
10.3.1
Investments may fluctuate in value, and you may not recover the full amount invested. Financial markets and economic conditions outside our control can impact investment performance. Past performance is not necessarily indicative of future results.
10.3.2
Company equity, or shares, carries specific risks, including potential price volatility, particularly for smaller companies, whose shares may be harder to sell. Dividend payments are not guaranteed, and companies may become insolvent, rendering their shares worthless. The overall market for equities may decline, and company earnings may be volatile.
10.3.3
Overseas investments are subject to currency risk. Exchange rate fluctuations between sterling and other currencies may increase or decrease the value of your investment, independent of the performance of the asset itself.
10.3.4
It is essential that you understand the risks involved when making an investment. In addition to the gInvestments in emerging markets present additional political, regulatory, and economic risks beyond those of other international investments. These investments may be subject to sudden declines in value, difficulty in selling, or government intervention.eneral risks outlined in our Terms and Personal Investment Report, the following are specific risks associated with different types of assets:

We are committed to acting in your best interests. However, there may be situations where conflicts of interest arise, either between us and our clients or among clients. In such cases, we will notify you and obtain your consent before proceeding with any relevant transactions. We will also outline the steps taken to ensure fair treatment.
Our compliance department is responsible for maintaining control structures and procedures to comply with all applicable laws, regulations, and industry standards. We will not knowingly act in a way that disadvantages our clients and will take reasonable measures to manage any conflicts of interest fairly.

In providing our services, we may receive certain minor non-monetary benefits, provided they enhance the quality of service we deliver, are proportionate, and do not impair our ability to act in your best interests. Such benefits may include:
- General or personalized information related to financial instruments or investment services.
- Written material commissioned by issuers to promote new securities offerings, where appropriately disclosed and made widely available.
- Participation in training events, conferences, and seminars about specific financial instruments or services.
- Modest hospitality provided during business meetings or industry events.
- Research received during an evaluation trial period, provided no payments are made during or after the trial, and certain conditions are met.

We are required by anti-money laundering regulations to verify your identity, assess the nature and purpose of our business relationship, and keep the information we hold up to date. To comply with these obligations, we use electronic identity verification systems at the start and throughout our engagement with you.
Your personal information may be shared with third-party agencies that operate identity verification services. Additionally, we will verify your bank account details, which may involve sharing personal and financial information with these third parties. Their services may compare your data against bank records, electoral roll information, UK Companies House data, bankruptcy and insolvency registers, and other publicly available sources.
We are unable to provide services to you until you have successfully passed our money laundering checks.

We are committed to providing our services with reasonable skill, care, and diligence in accordance with these terms. As long as we do so, we do not accept liability for any loss, including the loss of potential gains, that may arise from the execution of our services on your behalf.
We do not provide legal, tax, or accounting advice, nor do we accept liability in relation to these matters. Your tax treatment depends on your individual circumstances and may be subject to change.
Nothing in these terms limits or excludes our liability for fraud, death, or personal injury caused by our negligence or that of our employees.

We respect your statutory rights. After opening an account and agreeing to invest with us, you have the right to cancel your investment within specified cancellation provided in WK retail terms and conditions period by providing written notice to us.
If you exercise your right to cancel within this period, we will sell your investments and return the proceeds to you. We will process the sale within a reasonable time frame, subject to market conditions and external factors beyond our control.
If the value of your investment has declined, you may not receive the full amount originally invested. Additionally, you remain responsible for any costs incurred on your behalf in relation to the sale of your investments.

Either party may terminate the provision of services at any time without penalty. If you wish to terminate, you must provide written notice, and termination will take effect upon receipt of such notice.
Upon termination, unless otherwise agreed, we will sell your investments and return the proceeds to you. This will be done within a reasonable time, subject to market conditions and external factors beyond our control.
If you terminate a Stocks and Shares ISA by selling the investments within it, the tax-free status of the ISA will be lost.
If the value of your investments has fallen, you may not recover the full amount initially invested. Additionally, payments already made to us are non-refundable.

Transferring funds to us
When you make your first investment, we will confirm our instruction to you in writing, typically via email/yeeld app chat feature.
Transfers
Unless otherwise agreed in writing, all transfers into and out of your account will be in e-money, and payments must be made by direct debit or bank transfer.
Multiple Account Holders
If an account is held jointly by more than one individual, all account holders are jointly responsible for compliance with obligations, and each is fully liable for any breaches. Notices provided to one account holder will be deemed to be provided to all, and we may act on the instructions of any one account holder.
Deceased Account Holders
In the event of the account holder’s death, we will suspend taking instructions in relation to the estate, though we may continue managing the account in accordance with prior instructions. We reserve the right to make payments to HMRC in relation to inheritance tax. Further instructions will only be accepted upon receipt of a valid grant of representation from a court.
Assignment and Transfer of Rights
You may not assign or transfer any rights or responsibilities relating to your account.
Third-Party Rights
Unless explicitly agreed otherwise, no third party has any rights under this agreement to enforce its terms.
Entire Agreement
These terms along with Yeeld Connect terms and conditions represent the complete and final agreement between the parties, superseding any prior agreements or arrangements. Neither party has entered into this agreement based on representations or statements not expressly included within it. Any remedies for misrepresentation or breach are limited to breach of contract, except in cases of fraud or fraudulent misrepresentation.
Closing Comment
These Terms apply to all investments you make with us and provide information about the manner in which we deliver our services to you. Your account with us, as well as any matters or disputes related to these Terms, shall be governed by the laws of England and Wales and shall be subject to the exclusive jurisdiction of the courts of England and Wales. These Terms and all communications between us shall be in English.
If you have any questions or if any part of these Terms is unclear, please contact us at support@yeeld.com or call 02080505813. Unless we agree otherwise in writing, these Terms shall apply to all services we provide to you and any associated work.
General provisions & applicable law
Please refer to section 17 of the Yeeld Connect terms and conditions.

1.1
Our agreement is with you (when you use our app/services/customer) and Yeeld Technologies Limited (Yeeld/Yeeld technologies/us/we). Yeeld's products and services are provided by Yeeld Financial Services LTD (15776510) and Yeeld Investments LTD (15775018), wholly owned subsidiaries of Yeeld Technologies LTD (14870361) registered in England and Wales with a registered office at Level 18, 40 Bank Street, Canary Wharf, London, England, E14 5NR. Whenever we refer to Yeeld, we mean all subsidiaries and companies of Yeeld Technologies Limited.
1.2
Yeeld Investment Limited (FCA no: 1019161) is an appointed representative of WealthKernel Limited is authorised and regulated by the Financial Conduct Authority, no. 723719, registered in England and Wales, no. 09686970, with a registered office at 41 Luke St, London, UK, EC2A 4DP. Yeeld Financial Services are a co-brand of Payload Ltd, who act as a Programme Manager under Transact Payments Limited (TPL – 108217) is a licensed electronic money institution authorised and regulated by the Gibraltar Financial Services Commission.
1.3
You agree to these terms and conditions when you register for Yeeld app. If you do not agree to these Terms and Conditions, you must not use Yeeld app. You must be 18 years old and a resident of United Kingdom to use our app and services. You can contact us through the Yeeld App.

(Yeeld Technologies LTD (14870361) registered in England and Wales with a registered office at Level 18, 40 Bank Street, Canary Wharf, London, England, E14 5NR.)
1.4
You should also read Yeeld’s Privacy Policy, Cookie Policy and FAQs and Yeeld Connect Terms and Conditions. By using the Service, you agree to the terms of our Privacy & Cookie Policy, which forms part of these Terms of Use and our agreement with you.
How you can contact us
You can contact us through Yeeld app, you can also email us at Support@yeeld.com and call us at 02080505813.
Our Partners

2.1
By signing up to Yeeld Connect you will get essential financial management tools, including basic open banking access to link accounts and view transactions, product comparison for credit cards, loans, insurance as well as financial insights generated from open banking data using artificial intelligence. In addition to cashback and rewards, you can also interact with Penny, Yeeld's AI assistant for financial queries. (the ‘Service’).
2.2
To use our Service, you will have to connect your bank accounts via open banking. We will then automatically download transactional information relating to your Personal Account(s) and continue to do so at certain times until you revoke your consent. We will only provide you with a ‘screen grab’ of your Personal Account transaction information and will not initiate any payments from your Personal Account(s).
2.3
You grant to us and our Trusted Partners a non-exclusive, royalty-free licence to use the information in your Personal Account(s) for all purposes connected with the Service or referred to in these Terms or the Privacy Policy, with the right to use, modify, display, distribute and create new material using or incorporating such information to provide the Service to you.
2.4
Our trusted partners and us may also use, sell, license, reproduce, distribute and disclose aggregate, non-personally identifiable information that is derived through your use of the Service. By submitting information, you agree (without the payment of any fees), that our Trusted Partners and us may use the information for the purposes set out in this terms and conditions. You are permitted to use content delivered to you through the Service only on our site or App. You may not copy, reproduce, distribute, or create derivative works from this content.
2.5
We use Comply Advantage and Sumsub as trusted Know Your Customer (KYC) and Anti-Money Laundering (AML) verification providers. These partners process your personal data securely to fulfil regulatory obligations, prevent financial crime, and ensure compliance. Your personal and financial data provided during verification processes are handled according to strict privacy and data protection standards.
Privacy details of these services are available here:
- Comply Advantage Privacy Notice
- Sumsub Privacy Notice
2.6
Your Yeeld account and associated Visa Consumer Debit services are provided by Transact Payments Limited (“TPL”), a company authorised and regulated by the Gibraltar Financial Services Commission as an electronic money institution.
2.7
By registering for and using these services through Yeeld, you agree to be bound by the Yeeld Wallet and Visa Consumer Debit Terms and Conditions govern your use of the account and card services. These Terms and Conditions outline your rights and responsibilities and detail how TPL will provide and manage the services on our behalf. You must read and accept these terms prior to using the card or wallet features in the Yeeld App. If you do not agree to them, you must not activate or use the Yeeld card services.
2.8
When you open a Yeeld Investment Account or savings account, you agree not only to our Yeeld companion Investment Terms and Conditions (Click here) but also to the Terms and Conditions of WealthKernel (Click Here), which acts as your custodian and provides trading and settlement services on your behalf. WealthKernel is authorised and regulated by the Financial Conduct Authority (FCA) under reference number 723719, which you can use to locate them on the FCA register. The company is registered in England and Wales under company number 09686970.

3.1
You don’t have to pay any fees or charges to use Yeeld Connect. However, you may have to pay other fees, taxes, charges to use Yeeld Companion. Please refer to
Yeeld companion terms and conditions for further information.
Yeeld Companion Card and Wallet Terms and Conditions
Yeeld Companion Investment Terms and Conditions
3.2
By subscribing to Yeeld Companion at £4.99 per month, you authorise Yeeld to collect payments from your designated UK bank account via Direct Debit, facilitated by our payment partner GoCardless Ltd. These terms (https://gocardless.com/legal/payer-terms/) apply in addition to Yeeld’s general Terms and Conditions. By confirming your subscription and providing bank details, you grant GoCardless and its affiliates permission to collect monthly subscription payments on behalf of Yeeld. You will find their privacy policy at https://gocardless.com/privacy/.
3.3
All Direct Debit payments are processed by GoCardless Ltd, a Bacs-approved Direct Debit bureau, authorised and regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (FRN: 597190). You may cancel your Direct Debit mandate at any time by contacting your bank or GoCardless. Please also inform Yeeld to avoid disruption to your Premium services. Cancellations must be made at least 3 working days before your next scheduled payment to prevent it from being collected.

4.1
Yeeld Technologies Limited ("Yeeld") provides open banking services, allowing you to securely link your bank account. Yeeld also provide financial insights that may include identifying spending patterns, optimising savings, suggesting suitable financial products, and delivering personalised tips to improve your financial health. To facilitate these services, Yeeld Technologies partners with Bud Financial Limited, which securely connects your bank account to your Yeeld account and processes payment initiations.
4.2
When you link your bank account or initiate a payment using open banking services, Bud will redirect you to your bank’s authentication portal to verify your identity and authorise the requested action. By using these services, you agree that Bud’s terms and conditions will apply during this process.
4.3
The service terms ("Service Terms") outline the conditions under which Bud initiates payments from your bank account and accesses information from your payment accounts. Bud then transmits this information to Yeeld to enable the provision of Yeeld’s services. For full details of Bud’s terms and conditions, please visit here.
4.4
By accepting Yeeld’s Terms and Conditions, you grant explicit consent to Bud to access and process your financial information solely for the purposes of providing open banking services as described herein. Bud Financial Limited is a company registered in England and Wales (Company No. 9651629) and is authorised and regulated by the Financial Conduct Authority (FCA) under registration numbers 765768 and 793327. Bud is subject to the requirements of the UK and EU data protection laws, including the General Data Protection Regulation (GDPR). Bud is committed to treating your data in compliance with these laws and safeguarding your personal information.
4.5
By using OpenBanking, you agree and grant us or our partners permission to aggregate your personal data, which may then be stored outside of your own country to the extent permitted by applicable law.
4.6
You agree that when we retrieve your information relating to your Personal Accounts or your information required as part of the provision of the Service, we are doing so as your representative and on your behalf and not on behalf of or in the name of any third party.
4.7
You agree that we will be entitled to disclose your identity and information relating to your Personal Account(s) to third parties if we are required to do so by any applicable law or court order. We do not check the accuracy of the Personal Accounts information and personal information you provide to us and we rely on you and your Personal Account providers to ensure that the Personal Accounts information and personal information you provide to us is up to date and accurate.
4.8
By using the Service, you represent that you are the legal owner of the data in your Personal Accounts and that you have the authority to appoint, and do expressly appoint, us, our Trusted Partners and/or its third party providers as your agent and grant a limited power of attorney to access and retrieve such data on your behalf.
4.9
For our compliance purposes and in order to provide the Service to you, you hereby authorise us to, directly or through a third-party, obtain, verify, and record information and documentation that helps us verify your identity and Personal Account information. When you register for the Service and from time to time thereafter, we may require you to provide and/or confirm information and documentation that will allow us to identify you.

5.1
We use AI to produce financial insights and enable Penny AI which is an AI tool to enhance your understanding of your finances and recommends you how you can save, earn and grow using our features. Penny AI/other AI generated insights serve as an educational and advisory tool to help you better understand and manage your finances and doesn’t provide professional, legal or investment advice and are not regulated advice as per PERG 17.5, “simply giving balanced and neutral information without making any comment or value judgement on its relevance to decisions which a debtor may make is not advice.” While we strive for accuracy, AI-based recommendations are intended to be informative and do not constitute professional financial advice.
5.2
Any recommendation from Penny AI/other AI generated insights is based on the data you provide and Yeeld’s proprietary algorithms. You remain responsible for verifying the suitability of any products or decisions made based on Penny AI’s suggestions. Penny AI may process your transaction data, recurring payments, interaction history with the app and aggregated data for comparison among Yeeld/other users consent for their data to be shared with us. Your privacy and the security of your personal information remain a top priority, and we fully comply with UK and EU data protection laws, including the General Data Protection Regulation (GDPR)
5.3
All data used by Penny AI/other AI generated insights is securely processed and stored using Yeeld’s infrastructure, including Amazon Web Services (AWS) and Snowflake. Personal data is never shared with external parties, including ChatGPT or other third-party AI tools, in an identifiable format. Any recommendations or insights generated by Penny AI are delivered within the secure Yeeld app environment. Yeeld is committed to using AI tools in an ethical, fair, and transparent manner.
5.4
Penny AI/other AI generated insights may recommend certain products for informational purposes and should not be considered as endorsements. Interactive features are designed for engagement and education but do not substitute professional advice. By using Penny AI, you consent to the use of your financial and transactional data to power its features. You also acknowledge that anonymized and aggregated data may be used to enhance Penny AI’s capabilities and improve user experience.
5.5
While Penny AI uses advanced algorithms to provide tailored insights, the accuracy of its recommendations depends on the completeness and accuracy of the data you provide. Yeeld does not guarantee the accuracy or suitability of Penny AI’s outputs and is not responsible for decisions made based on them.
5.6
It is your responsibility to independently assess the relevance and suitability of any suggestions or recommendations. We encourage you to consult a financial advisor for specific financial planning or decision-making needs.
5.7
Penny AI is designed to be an engaging financial companion. However, any interaction with Penny AI must comply with Yeeld’s general terms of use. Abusive or inappropriate use of the service may result in restricted access or termination of your account. Yeeld reserves the right to modify or discontinue certain Penny AI services at any time. Updates to these terms will be communicated where required by law. Yeeld is not liable for Financial decisions made based on Penny AI’s insights and Temporary interruptions in Penny AI services due to updates, maintenance, or technical issues.

6.1
We partnered up with Decision Technologies Limited ("Decision Tech") to offer you a range of financial products and services, including insurance, utilities, broadband, phone contracts, loans, and credit cards.
6.2
Yeeld utilises Decision Tech's platform to present offers for insurance, utilities, broadband, and phone contracts. When you select any of these products, you will be redirected to the respective provider's platform.
6.3
By using Yeeld's platform to access services provided by Decision Tech, you acknowledge that You are entering into separate agreements with Decision Tech. Yeeld is not responsible for the terms, conditions, privacy policies, or practices of Decision Tech or any third-party providers. It is your responsibility to review and accept the terms and conditions of Decision Tech before engaging with their services.
6.4
To facilitate the provision of these services, Yeeld may share certain personal information with Decision Tech in accordance with our Privacy Policy. Decision Tech is obligated to handle your data in compliance with applicable data protection laws. However, Yeeld is not responsible for the data handling practices of these third parties.
6.5
All information provided through Yeeld's platform is for informational purposes only, and any decisions to engage with third-party products or services are made at your own discretion and risk.
6.6
Yeeld shall not be liable for any losses or damages arising from your use of products or services offered by Decision Tech or any third-party providers. Any disputes or issues arising from your engagement with these third-party services should be addressed directly with the respective provider.

7.1
We partnered up with Boogi to provide cashback and rewards services to our users. By using cashback services you agree to the terms and conditions of Boogi which can be found here.
7.2
Boogi serves as our API partner, facilitating the linkage of open banking data to merchants for cashback offers. This process is automated but involves sharing anonymized open banking data with partners for transaction matching. Boogi operates cashback programs by partnering with merchants to offer rewards on qualifying transactions. The cashback provided is part of the commission Boogi receives from these merchants. If, for any reason, Boogi does not receive the anticipated commission for a transaction, they are not obligated to pay the corresponding cashback to you. Boogi reserves the right to modify participating merchants, cashback rates, and related terms at any time. Detailed terms can be found in Boogi's User Terms and Conditions.
7.3
Boogi is a cashback provider leveraging affiliate links to offer rewards. This process is minimally intrusive, requiring only limited PII necessary to deliver cashback to users.
7.4
Boogi facilitates cashback by receiving referral fees from retailers for qualifying purchases made by account holders. Upon receiving these fees, Boogi credits the corresponding cashback to your account. It's important to note that Boogi is not a party to any transactions with retailers and does not endorse or have control over the quality, safety, or legality of the goods or services offered by them. Therefore, Boogi holds no liability arising from transactions with retailers. For a comprehensive understanding, please review Boogi's website (https://www.boogi.uk/)
7.5
Yeeld acts as an intermediary to provide access to these cashback services and is not responsible for the actions, products, or services of Boogi, or any associated retailers or merchants. All cashback offers are subject to the specific terms and conditions of the respective service providers and participating merchants. Yeeld is not liable for any changes in cashback rates, availability of offers, or the performance of the cashback services provided by Boogi. By engaging with these cashback services through Yeeld, you acknowledge and accept the terms outlined above, as well as those specified by Boogi.

8.1
You must treat your security credentials, identification code, password, and any other piece of information linked to the applicable security procedures as confidential, and you must not disclose it to any third party. Notify us immediately if you suspect unauthorised access to your account. The Yeeld service is intended solely for your personal use. You must not permit others to access or use the service on your behalf. You must maintain the security of the devices you use to access Yeeld services.
8.2
While Yeeld provides AI-generated financial insights and recommendations, you are responsible for reviewing and validating these insights before making any financial decisions.
8.3
If you choose to link third-party accounts or use third-party services through Yeeld, you are responsible for ensuring compliance with the terms and conditions of those third-party providers.
8.4
You agree to use Yeeld’s services in accordance with these terms and all applicable laws and regulations. Any misuse of the platform may result in the suspension or termination of your account. You must not use Yeeld’s services for any unlawful, fraudulent, or unauthorised purposes, including but not limited to money laundering, fraud, or unauthorised access to data.
8.5
Yeeld may integrate with third-party services to provide certain features. You are responsible for understanding and complying with the terms and conditions of these third-party services when utilising such features.
8.6
Keep your contact information up to date and promptly review communications from Yeeld. You are responsible for understanding the information provided and taking appropriate action when necessary. You are solely responsible for any losses or damages resulting from your failure to comply with these responsibilities except where Yeeld’s liability applies.

9.1
You must not access without authority, penetrate, interfere with, damage or disrupt (or attempt to do any of the same) any part of the Service or its security measures, any servers, other equipment or networks connected to the Service or on which it is stored or any software used in the provision of the Service, including in each case by transmitting any worms, computer viruses, malware, logic bombs, Trojan horses, spyware, harmful components or any other software, code or data of a corrupt, destructive, malicious or disruptive nature (together "Viruses"). You may not inject content or code or otherwise alter or interfere with the way any page of the Service is rendered or displayed in a user’s browser or device.
9.2
You must not access the Service via a means not authorised by Yeeld, including, but not limited to, automated devices, scripts, bots, spiders, crawlers or scrapers (except for standard search engine technologies which are used by a search engine with Yeeld’s express written consent). You must not change, modify, adapt or alter the Service or change, modify, adapt or alter another website so as to inaccurately imply an association with the Service or with Yeeld.
9.3
Yeeld does not accept unsolicited content, information, ideas, suggestions or other materials except where Yeeld has set out specific criteria and conditions for submitting them and you agree not to submit them except in accordance with those criteria and conditions.
9.4
Where you do submit unsolicited content, information, ideas, suggestions or other materials submitted in breach of this paragraph, you agree that we may use such content, information, ideas, suggestions or other materials for any purpose whatsoever, including, without limitation, developing and marketing products and services without any liability or payment or recognition of any kind to you.

10.1
You expressly understand and agree that:
- You are over 18 years old and have full legal capacity to enter into an agreement to use our Products and Services;
- You will not use our Products and Services to engage in any activity that is fraudulent, deceptive, misleading, manipulative, abusive
- Your use of the Service and all information, products and other content (including that of third parties) included in or accessible from the Service is at your sole risk.
- The Service is provided on an "as is" and "as available" basis. Our Trusted Partners and us expressly disclaim all warranties of any kind as to the Service and all information, products and other content (including that of third parties) included in or accessible from the Service, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.
10.2
Our Trusted Partners and us make no warranty that:
- The Service will meet your requirements;
- The Service will be uninterrupted, timely, secure, or error-free;
- The results that may be obtained from the use of the Service will be accurate or reliable;
- The quality of any products, services, information, or other material purchased or obtained by you through the Service will meet your expectations; or
- Any errors in the technology will be corrected.
10.1
Any material downloaded or otherwise obtained through the use of the Service is done at your own discretion and risk and you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material. No advice or information, whether oral or written, obtained by you from our Trusted Partners or us through or from the Service will create any warranty not expressly stated in these Terms.

11.1
Your browsing and interaction on any other website or your use of other services, including websites and services which have a link to the Service, is subject to the rules and policies of the relevant website or service. Please read the rules and policies applicable to that website or service before proceeding. The Service, or communications from it or comments within it, may include links to third-party websites, applications or features ("Third Party Services"). These links are provided for your information only.
11.2
Yeeld does not control, maintain or endorse Third Party Services and you acknowledge and agree that your use of them is at your own risk. We assume no responsibility for the content or operation of Third Party Services and we will not be liable for any loss or damage that may arise from your use of them (or such content).

13.1
We expect to need to update or amend these Terms from time to time to comply with law or to meet our changing business requirements. We reserve the right, in our sole discretion, to change these Terms of Use from time to time ("Amended Terms"). Unless we make a change for legal or administrative reasons, we will provide reasonable advance notice before the Amended Terms take effect. However, we reserve the right in extreme circumstances to vary these Terms with shorter notice e.g. a change to an existing, or implementation of a new regulatory requirement where we have to take action immediately.
13.2
Your use of the Service after the effective date of the Amended Terms (or engaging in such other conduct as we may reasonably specify) constitutes your agreement to the Amended Terms and the Amended Terms will apply to your use of the Service from that point forwards. These Terms of Use will continue to govern any disputes arising before the effective date of the Amended Terms.

14.1
If we fail to comply with these Terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence, but we are not responsible for any loss or damage that is not foreseeable. A loss or damage shall be considered foreseeable in this context if it was contemplated by you and us at the time you agreed to these Terms.
We only provide the Service for domestic and private use. You agree not to use the product for any commercial, business or resale purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
We do not in any way exclude or limit our liability for:
- Death or personal injury caused by our negligence; or
- Fraud or fraudulent misrepresentation.
14.2
Subject to applicable laws, we or any Third Party Provider(s) (provided that we have exercised due skill, diligence, and care in the appointment of such Third Party Provider(s) are not liable or responsible to compensate you for:
- Any loss or damage you may suffer that was caused by events outside our control, including, but not limited to, changes in applicable law(s), a major suspension or interruption of public services or electrical power, and delays or other malfunctions in our communications systems (including phone and email), IT systems, or the internet;
- Any loss or damage arising from a failure of Yeeld to perform its obligations under these Terms due to a Force Majeure Event;
- Loss of profits or goodwill damage to reputation, business interruption, or loss of business opportunity resulting from the use of our Services;
- Any statement or conduct on or via the Service by any third party;
- Loss of data which is caused by factors other than negligence or breach of statutory duty on the party of us or our Trusted Partners;
- Any loss or damage arising from a failure of Yeeld to perform its obligations under these Terms due to a Force Majeure Event;
- The acts or omissions of the providers of your Personal Account(s);
- The cost to you of obtaining goods or services as substitutes for the Service; or
- Any other loss or damage suffered by you in connection with the Service.
14.3
We are not a financial adviser, and the Service is not intended to provide financial advice. Your financial situation is unique. We do not make any representations, warranties, or guarantees of any kind that the Service is appropriate for you.

16.1
These Terms will remain in force until either you or us seek their cancellation in accordance with this clause. To cancel your account email support@Yeeld.com with your primary email address. Subject to these Terms, you can cancel your use of the Services at any time by giving notice to us via email or via the Yeeld App.
16.2
We will determine, in our discretion, whether there has been a breach of these Terms of Use through your use of the Service such as if your account is inactive for an extended period of time, you commit a material breach of terms of use, we have reasons to believe you are in breach of applicable law/regulation or involved in any fraudulent activity, money laundering, terrorist financing, proliferation financing/other criminal activity. When such a breach has occurred, we may take such action as we deem appropriate, including all or any of the following actions:
- Immediate, temporary or permanent withdrawal of your right to use the Service;
- Issue of a warning to you;
- Legal proceedings against you for reimbursement of all costs (including, but not limited to, reasonable administrative and legal costs) resulting from the breach;
- Further legal action against you; and/or
- Disclosure of such information to law enforcement authorities as we reasonably feel is necessary.
The responses described above are not limited and we may take any other action we reasonably deem appropriate.

17.1
These Terms and all information, notifications, and communication in relation to the Products and Services will be in the English language. Any communication, information or documents provided by you to us must be in English, and as applicable translated and certified by a professional and accredited translator, unless otherwise agreed between you and us.
17.2
We may from time to time update or amend these Terms, including, for the avoidance of doubt, the definitions, appendices and any arrangements made under or in connection with these Terms. Unless required otherwise under the provisions of a Third Party Provider or applicable laws, we will make a reasonable effort to give you at least ten (10) Business Days’ notice of any changes and inform you of when these changes will become effective. If you do not agree to the changes, you can notify Yeeld and we will terminate these Terms in accordance with cancellation clause.
17.3
You may not assign, sub-license or otherwise transfer any of your rights and/or obligations under these Terms of Use to any third party. You acknowledge that we may assign, sub-license or otherwise transfer any of our rights and/or obligations under these Terms of Use to any third party at any time.
17.4
We will have no liability to you for any failure or delay in performing any of our obligations under these Terms of Use to the extent that such failure or delay is caused or contributed to by you or by an event or circumstance beyond our reasonable control.
These Terms of Use (together with our Privacy & Cookie Policy) contain the entire agreement and understanding of the parties relating to the subject matter of the agreement between us and supersede all prior agreements, understandings or arrangements (both oral and written) relating to the same.
If any provision of these Terms of Use is found to be invalid for any reason, the invalidity of that provision will not affect the remaining provisions of these Terms of Use, which will remain in full force and effect.
17.5
Failure by either you or us to exercise any right or remedy under these Terms of Use does not constitute a waiver of that right or remedy.
17.6
These Terms of Use are governed by English law. If you are a consumer, the courts of England and Wales will, subject to this paragraph 15, have non-exclusive jurisdiction over any claim arising from, or related to, these Terms of Use (unless you are a resident of Northern Ireland, in which case you may bring proceedings in Northern Ireland, or you are a resident of Scotland, in which case you may bring proceedings in Scotland). If a court decides that we cannot rely on a part of these Terms, the rest of the Terms will continue to apply, as each of the provisions of these Terms operate separately. You can find the latest version of these Terms on the https://www.yeeld.com/. Any changes effected to the version of the Terms you originally agreed to, will be reflected in the latest version of the Terms available on the https://www.yeeld.com/.

18.1
If you have an enquiry or complaint about the Service, or simply wish to get in touch, you should contact our customer services team via our email support@yeeld.com or call us at 02080505813 . In the event that you have a complaint we cannot settle, you may be entitled to refer it to the Financial Ombudsman Service (FOS). Further information about the FOS is available from their website www.financial-ombudsman.org.uk.
Please refer to our complaints policy for further information on how we resolve complaints and the timeframe you can expect us to resolve your complaint.

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