Terms & Conditions
The Service is provided by PinPoint Wealth Ltd, a company registered in the United Kingdom (company number 08926784), registered at 17 Boundary Street, Liverpool, England, L5 9UB (“we”, “us”, “our”).
If there’s anything you don’t understand, please get in touch with us by:
- Emailing us at firstname.lastname@example.org
- Writing to the Chief Executive Officer, at our registered address (above)
Our Agreement with you
You must be 18 or over to use the Service.
If you are reading this Agreement for the first time we suggest you print or save a copy.
An overview of the Service
The Service enables you to see all your online banking accounts into one place, and analyzes your account information to help you spend and save more efficiently (“the Service”). Based on such analysis, the Service may give you information relating to products or services provided by third-party partners.
The Service is free to consumers.
The Service is an aid to you in organizing, managing, and identifying opportunities related to your finances. We are not authorised to provide advice under the Financial Services and Markets Act 2000. If you require such advice please seek advice from an authorised adviser.
Your Use of the Service
Your right to access and use the Service is personal to you and is not transferable by you to any other person or entity. You agree to provide us with information which is accurate, and not to misrepresent your identity or your user information. You are only entitled to access and use the service for lawful purposes.
For the purposes of this Agreement and solely to provide account aggregation to you as part of the Service, you grant us a limited power of attorney to access third party sites, retrieve and use your information with the full power and authority to do and perform each thing necessary in connection with such activities, as you could do in person. You acknowledge and agree that when we access and retrieve account information from third party sites, we act as your agent, not as the agent of, or on behalf of, the third party whose site we are accessing. You understand and agree that the Service is not sponsored or endorsed by any third parties accessible through the Service.
What we ask you not to do
You agree that you will not:
- Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Service or any portion of it without our express written consent, which may be withheld at our sole discretion;
- Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Service, other than the search engines and search agents available through the Service and other than generally available third-party web browsers (such as Microsoft Internet Explorer);
- Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of the Service; or
- Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Service.
Notifications and Alerts
All required notices will be sent electronically to the e-mail address that you provide. Notifications will be sent to you if there is a material change to the Service, its Terms, or Policies.
The Service includes alerts on your account activity. These can be customised, deactivated or reactivated by you. These alerts allow you to choose alert messages for your accounts. We may add new alerts from time to time, or cease to provide certain alerts at any time at our discretion.
Alerts will be sent to the email address you have provided as your primary email address. You may also choose to have alerts sent to a mobile device. Alerts will include information about your accounts, such as your account balance or the due date for your credit card payment. Anyone with access to your email, or your mobile device, that is associated with the Service may be able to view the content of these alerts.
Your User Information
Please let us know if any of your user details change, particularly your email address. If you do not do this, we will not be able to deliver any alerts or notifications to you, and your ability to access the service may be compromised.
You agree and understand that you are responsible for maintaining the confidentiality of your password which, together with your username, allows you to access the Service. If you become aware of any unauthorised use of your user information, you agree to notify us immediately at email@example.com
If you wish to complain about any of the services provided by PinPoint, please email us at firstname.lastname@example.org or you can write directly to the Chief Executive Officer, PinPoint, 17 Boundary Street, Liverpool, England, L5 9UB, explaining the nature of the complaint and what you would like us to do to put it right.
In addition, If your complaint is about how we store or process your personal information, you can also contact the Information Commissioner’s Office, although we’d appreciate the chance to deal with your concern first.
Your Indemnification of Us
You shall defend, indemnify and hold harmless us and our officers, directors, shareholders, and employees, from and against all claims and expenses, including but not limited to solicitors fees, in whole or in part arising out of or attributable to any breach of this Agreement by you.
Availability of Service and Alert Disclaimer
Your access to and use of the Service may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Service or other actions that we, in our sole discretion, may elect to take.
You understand and agree that any alerts provided to you through the Service may be delayed or prevented by a variety of factors. We will use reasonable endeavours to provide alerts in a timely manner with accurate information. However, we neither guarantee the delivery nor the accuracy of the content of any alert. You also agree that we shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert.
Our Intellectual Property Rights
The contents of our website at www.pinpoint.money (“the Website”), including its “look and feel” (e.g., text, graphics, images, logos and button icons), photographs, editorial content, notices, software and other material are protected under copyright, trademark and other laws. The content of the Website and all intellectual property rights in the Service belong to or are validly licensed to us. We grant you the right to view and use the Service subject to these terms. You may download or print a copy of information provided on the Service for your personal, internal and non-commercial use only. Any distribution, reprint or electronic reproduction of any content from the Service in whole or in part for any other purpose is expressly prohibited without our prior written consent.
Disclaimer of Representations and Warranties
The content and all services and products associated with the service or provided through the service are provided to you on an “as-is” and “as available” basis. We make no representations or warranties of any kind, express or implied, as to the content or operation of the service. We make no representations, warranties or guarantees, express or implied, regarding the accuracy, reliability or completeness of the content of the service, and expressly disclaim any warranties of non-infringement or fitness for a particular purpose. We make no representation, warranty or guarantee that the content that may be available through the service is free of infection from any viruses or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, surreptitiously intercept or expropriate any system, data or personal information.
Limitations on our Liability
To the extent permitted by law, we shall not be responsible or liable to you or to any third party, whether in contract, warranty, delict or tort (including negligence) or otherwise for: –
- Loss of income or revenue;
- Loss of business;
- Loss of profits or contracts;
- Loss of anticipated savings;
- Loss of data;
- Loss of goodwill; or
- Special, indirect or consequential damage
Arising in whole or in part from your access to the service, your use of the service or this agreement, even if we have been advised of the possibility of such damages. Notwithstanding anything to the contrary in this agreement, our liability to you for any cause whatever and regardless of the form of the action, will at all times be limited to £500.00 (five hundred pounds).
Ending the Agreement
We may at any time, terminate our agreement with you:
- if you have breached any provision of this Agreement (or have acted in a manner which clearly shows that you do not intend to, or are unable to comply with the provisions of this Agreement);
- if we in our sole discretion believe we are required to do so by law (for example, where the provision of the Service to you is, or becomes, unlawful);
- or immediately upon notice, to the e-mail address provided by you as part of your user information.
Modifications to the Agreement
We may modify this Agreement from time to time. Any and all changes to this Agreement will be posted on our site. The Agreement will always state the date it was last revised. You are deemed to accept and agree to be bound by any changes to the Agreement when you use the Service after those changes are posted.
Governing Law and Forum for Disputes
This Agreement and your relationship with us under this Agreement shall be governed by the laws of the United Kingdom without regard to its conflict or choice of law provisions. Any dispute with us, or our officers, directors, employees, agents or affiliates, arising under or in relation to this Agreement shall be resolved exclusively through the UK courts, except with respect to imminent harm requiring a temporary or preliminary interdict or injunction in which case we may seek this in any court with jurisdiction over the parties. You understand that, in return for agreement to this provision, we are able to offer the Service on the terms stated in this Agreement, without charge to you, and that your consent to this provision is an indispensable consideration under this Agreement.
Other important matters
If any portion of this Agreement is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, this Agreement as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Agreement that is unlawful, void or unenforceable shall be deleted from this Agreement.
If we do not exercise or enforce any legal right or remedy which is contained in the Agreement (or which we have the benefit of under any applicable law), this will not be taken to be a formal waiver of our rights and that those rights or remedies will still be available to us.
All covenants, agreements, representations and warranties made in this Agreement shall survive your acceptance of this Agreement and the termination of this Agreement.
This Agreement represents the entire understanding and agreement between you and us regarding the subject matter of the same and supersedes all other previous agreements.
PinPoint and the associated logos are registered trademarks.
Last updated: 23rd May 2019.
Important information and who we are
PinPoint is a trading name of PinPoint Wealth Ltd. Our company number is 08926784. Our registered office is at 17 Boundary Street, Liverpool, England, L5 9UB.
When we refer to our trading name “PinPoint” or “we”, “us” or “our” in this policy, we are referring to the PinPoint Wealth Limited. We are the data ‘controller’ in relation to the personal data you provide to us, which means we determine the purposes and the way in which your personal data is, or will be, processed.
This policy aims to give you information on how we collect and process any personal data we collect from you, or that you provide to us. We want you to be confident when you use our service that you know what your personal data is being used for and that it is being kept safe.
How to contact us
If there is anything you don’t understand or you’re not happy about, or if you just want to suggest improvements, please get in touch with us by:
- Emailing us at email@example.com
- Writing to the Chief Executive Officer, at 17 Boundary Street, Liverpool, England, L5 9UB
If you have any concerns
You will always have the right to lodge a complaint with a supervisory body. The relevant authority in the UK is the Information Commissioner’s Office. However, if you do have a complaint, we would appreciate the chance to deal with your concerns first, so please do contact us in the first instance.
If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, you can also contact our U.S.-based third-party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request.
How is your personal data collected?
We use different methods to collect data from and about you including through:
- Direct interactions. You may give us your personal data by filling in forms or by corresponding with us in person, by email, by phone, by post or otherwise. This includes personal data you provide when registering to use our service.
- Automated technologies or interactions. As you interact with our website, we may automatically collect Technical data about your equipment, browsing actions and patterns. We collect this personal data by using cookies and other similar technologies. Please see below on Cookies for further information.
- Third parties or publicly available sources. We may receive personal data about you from various third parties and public sources, for example, analytics providers such as Google.
Information Which We May Collect
- Registration Information: To register to use our service you will have to supply us with your email address
- Registration information also includes the credentials you share with us to allow us to access your Account Information.
- Additional Personal Information: You may choose to submit additional personal information when you register for the service, for example, your name, your preferred pronoun (he, she, zhe), annual salary range and financial goal.
- Unique user reference: This is a reference which we assign to you when you sign up to use our service, to create your own unique data record.
- Account and Transactional Information: When you ‘Add Accounts’ to our service, we may access, store and process your Account Information held by your account provider. Account Information includes, for example, your account details, account transaction information, account features and benefits and regular payments.
- Technical Information: When you browse our website, we automatically collect some technical information about your visit to our website, including, but not limited to, information about the device you are using to access PinPoint (for example, mobile device or web), the IP address used to connect your computer to the internet, your browser type and version and your browser plug-in types and version.
- Customer Testimonials: This could include your name, social media handle and/or any testimonial, review or other comments on our services
How we use your information
- Where we need to perform the contract we are about to enter into or have entered into with you (i.e. when you sign up to our service).
- Where we have your prior consent to use your personal data (for example, where you have consented to receive marketing).
- Where it is necessary for our legitimate interests and your interests and fundamental rights do not override those interests. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law).
- Where we need to comply with a legal obligation.
We have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.
Please note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below.
|Purpose / activity||Our lawful basis for processing this data||Type(s) of Data we use for this purpose|
|To register you as a customer to use our service||Performance of a Contract with you (i.e. Contract)||Registration Information|
|To understand our user base better||Legitimate interests (to understand our user demographics and what users want to get out of our service)||Registration Information, Additional Personal Information|
|Requesting your participation in online surveys||Consent||Customer Testimonials (we contact you to ask if you are happy for us to include your testimonial, and how you would like your name and/or social media handles to appear)|
|Posting customer testimonials and reviews on our website||Consent||Customer Testimonials (we contact you to ask if you are happy for us to include your testimonial, and how you would like your name and/or social media handles to appear)|
|To tell you about our services we feel they may be of interest to you||Consent||Email address|
|To create your personal data record, which we need to uniquely identify you||Contract||Unique User Reference|
|To create your financial insights via the app||Contract||Registration information, Account and Transactional information and Technical information|
|To monitor and improve our service||Legitimate interests (to track the use of our service and identify areas where we can improve service performance or service functionality. This includes business and technical improvements)||Registration information, Technical information|
|To create aggregated research, from which all personal data is removed.||Legitimate interests (We’ll fully anonymise your personal data so that this data can be shown demographically and regionally through our research and case studies)||Account and Transactional information, Registration information|
|Use of necessary, functional and analytical cookies (see Cookies section for further information on specific purposes)||Legitimate interests (in operating our website); Consent||Technical information|
Key people who have to be able to access your information
The information we may give to or share with somebody else
We may share your personal information in the following ways:
- to companies that provide services to help us operate the application and communicate with users. These companies are authorised to use your personal information only as necessary to provide these services to us, and via contractual agreements that establish their responsibilities to protect your data;
- to HMRC, regulators and other authorities or bodies who require reporting of processing activities in certain circumstances. This includes exchanging information with other companies and organisations for the purposes of fraud protection and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, or investigate fraud;
- to professional advisers, including lawyers, bankers, auditors and insurers who provide consultancy, banking, legal, insurance and accounting services.
- if PinPoint is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information;
- to any other third party with your prior agreement to do so, where such agreement will be recorded by us, and retained in line with our data retention policy, and include the purpose, frequency and duration of the information sharing;
- With our subsidiary and with Yodlee Inc, as detailed in the Section Key people who have to be able to access your information.
If we transfer your personal data out of the EEA, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:
- The country has been deemed to provide an adequate level of protection for personal data by the European Commission. For further details, see European Commission: Adequacy of the protection of personal data in non-EU countries.
- If we use certain service providers based outwith the EEA, we may use specific contracts approved by the European Commission which give personal data the same protection it has in Europe. For further details, see European Commission: Model contracts for the transfer of personal data to third countries.
- If we use providers based in the US, we may transfer data to them if they are part of the Privacy Shield which requires them to provide similar protection to personal data shared between Europe and the US. For further details, see European Commission: EU-US Privacy Shield.
- In any other case, we will obtain your explicit consent before any transfer takes place.
Some of our external third-party service providers are based outside the EEA so their processing of your personal data will involve a transfer of data outside the EEA. The table below sets out details of transfers to such third parties and the relevant safeguards.
|Service provider||Description of service||Safeguards|
|Yodlee||Credential sharing services||EU-US Privacy Shield|
|Intercom||User Support tool||EU-US Privacy Shield|
|Amazon Web Services (AWS)||Infrastructure service||EU-US Privacy Shield|
|Office 365||Our email client for incoming email queries||EU-US Privacy Shield|
|Gmail||Our email client for incoming email queries||EU-US Privacy Shield|
|Google Drive||Internal document repository||EU-US Privacy Shield|
|Android (Google Play) Store||App reviews||EU-US Privacy Shield|
|App Store||App reviews||EU-US Privacy Shield|
|Appsee||System monitoring, diagnostics and analytics||EU-US Privacy Shield|
Under certain circumstances, you have the following rights under data protection laws in relation to your personal data:
- Access to your information
- Request correction of your personal data
- Request deletion of your personal data
- Object to processing of your personal data
- Request restriction of processing your personal data
- Request transfer of your personal data
- Right to withdraw consent
- Right to review by an independent authority
If you wish to exercise any of the rights set out above, please contact us at firstname.lastname@example.org. You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.
Access to your information
Correcting personal data
Deleting personal data
You may ask us to delete or remove personal data where there is no good reason for us continuing to process it. This is more commonly known as the ‘right to be forgotten’. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law.
Please note, however, that we may not always be able to comply with your request to delete or remove personal data for specific legal reasons which will be notified to you, if applicable, at the time of your request.
Objecting to processing
Restriction of processing
This enables you to ask us to suspend the processing of your personal data in the following scenarios:
- if you want us to establish the data’s accuracy;
- where our use of the data is unlawful but you do not want us to erase it;
- where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or
- you have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.
Transferring your personal data
In certain circumstances, you may request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format.
Please note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract and offer “the service” to you.
How long we keep your data
We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.
To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
We will normally retain your information for a period of 30 days after your account is deactivated or 30 days after your information is no longer needed to provide you with our services. After this period, the data will be deleted from our systems and we will be unable to access it. In some circumstances you can ask us to delete your data sooner: see Deleting personal data above for further information. If you do wish to cancel your account or request that we no longer use your information to provide you services, please contact us at email@example.com.
Where we anonymise your personal data (i.e. so that it can no longer be associated with you) for further research or statistical purposes, then we may use this information indefinitely without further notice to you.
This version was last updated on 25 September 2018.
Changes to your details
Cookies and Other Tracking Technologies
What are cookies?
A cookie is a text file containing a small amount of information that is sent to your browser when you visit a website. The cookie is then sent back to the originating website on each subsequent visit, or to another website that recognises it. Cookies are an extremely useful technology and do lots of different jobs.
A Web beacon is an often-transparent graphic image, usually no larger than 1 pixel x 1 pixel, that is placed on a website or in an email that is used to monitor the behaviour of the user visiting the website or sending the email. It is often used in combination with cookies.
What cookies do we use?
We have listed below all the cookies that we use. These fall into the following categories:
- Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website.
- Analytics/performance cookies. These types of cookies allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users can easily find what they are looking for.
- Functionality cookies. These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences.
- Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.
You can find more information about the individual cookies we use and the purposes for which we use them in the table below:
|_ga*, _gid*||Analytics||Used by Google analytics to track page views and site performance||Not currently in use|
How do I change my cookie settings?
You block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.
Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set, visit www.aboutcookies.org or www.allaboutcookies.org.
To find out how to manage cookies on popular browsers:
To opt out of being tracked by Google Analytics across all websites, visit http://tools.google.com/dlpage/gaoptout.
Last updated: 23rd May 2019.