Mobile App Terms of Use

Welcome to [name of app], a mobile application (the “App”) provided by Principality Building Society (“Principality”, “we”, “us”, or “our”). By downloading, registering to use our App and clicking the “Get started” button you agree to be bound to the App’s Terms of use (the App Terms). Please read them carefully.

If you do not agree, do not click “Get started” button, stop using the app and remove it from your device.

You can see a copy of these App Terms on our website at any time, when you visit our website you will be subject to its terms of use.

Other terms that may apply to you

The following also forms part of these terms, it’s important you read these: 

• Our Privacy Policy, specifically the relevant section on the data we collect and process for the App, who we are and your rights in relation to your personal data. When you register to use the App, you can choose to set up face or fingerprint verification (“biometrics”) and our Privacy Policy explains how we use your biometric data. 
• Our Cookie Policy, which sets out information about the cookies used by the App.
• The Savings Terms and Conditions (General Terms), summary box and account specific terms and conditions, which apply to your savings account (the “savings account agreement”). If there is any difference between these App Terms and your savings account agreement, the terms in your savings account agreement will apply.

What this agreement does

We grant you a worldwide non-exclusive, non-transferable, revocable license to use the App and:

• Any updates or supplements to it;
• Related electronic documentation (Documentation);
• The content and functions we provide to you through it including our Savings accounts you connect and have access to via the App (Service) as permitted in these App Terms.

Apple and Google’s terms 

The ways in which you can use the App and Documentation may also be controlled by Apple App Store or Google Play's rules and policies. 

Operating system requirements

You must download the App either from the Apple App Store or from Google Play and the App may only be used on a device with an operating system that has been lawfully installed and licenced to you as the device user or owner under Apple or Google Android terms and conditions. This App requires a device with sufficient memory and operating system, the minimum requirements of which will be confirmed when you download the App. Both of which may have different released or versions used on compatible respective devices, and can be updated from time-to-time. 

You will also be subject to:

• Apple’s terms and conditions, including Apple Media Services Terms and Conditions and Apple’s Usage Rules. You acknowledge and agree that Apple is a third-party beneficiary of these App Terms and may enforce these App Terms against you as a third-party beneficiary;
• Google’s terms and conditions and policies made available by Google, which may include third parties;
• Your device manufacturer’s terms and conditions, those of any third-party software providers your device uses or your mobile network service or internet provider which provides you access to connect to the App.

We may update the App and the minimum device memory and operating system requirements from time-to-time to improve the App’s performance, features and security. To continue using the App we may ask you to download new versions of the Apple iOS or Android operating systems or App on your device, or update of the App, as notified to you in the App or in the App stores. If you fail to do this, your App access may be blocked or restricted.

You agree that it is your sole responsibility:

• To ensure your device’s operating system and the App is updated when you are notified that an update is available; 
• For all the costs of purchasing, maintaining, updating and using your device, its Apple iOS or Google Android operating system, and any other software required to use the App, including the costs of any software licences and the App compatibility with your device. 

Further information about compatible operating systems and other requirements to use the App can be found in the in the respective App stores.

Registering and using the App

To register for the App, you must:

• Be at least 16 years of age;
• Be a UK resident; 
• Have previously opened a savings account with us and it is still active;
• Have previously registered for Your Account, received and activated your online profile to access your savings account online with your User ID (i.e. “P” number  ) and [password] (these details must match our records otherwise registration for the App will fail); 
• Have your mobile to receive your one time passcode; and
• Create a 6-digit personal identification number (PIN).   

You can only register and access the App on one device at a time. If you download the App on another device and register your details, you will not be able to access the App on your previous device.

Once you have completed registration you will be able to access the services in the App.

If your savings account is held jointly, both customers can register to use the App on their own device.

You must register for the App for your own personal use. You cannot register for the App on someone else’s behalf for example if you are a Power of Attorney, a Trustee or a signatory or for any other reason.

You cannot access the App outside of the UK for security reasons.        

Registering to use the App does not confer any membership rights in Principality, you should refer to our Rules.

How to keep the App secure   

When you register to use the App, you must set a six-digit PIN that you will need to enter each time you log in to the App. You can also log in with your biometrics if you choose to set this up. Together, your username, password, PIN and biometric details are called your “Security Data”.

Keeping your Security Data and the App safe

It is your responsibility to keep your device and Security Data safe, including setting up other security features and anti-virus software on your device. You should not share your Security Data with anyone else or allow someone else access to access the App using your details.    If you have lost the device which the App was registered to, or believe your device or the App has been compromised or has been accessed be someone else you should Contact Us . You will not be permitted to screenshot the App to keep the App and your details safe. The App should not be downloaded, installed or used on any shared or borrowed device.  

You must not transfer the App to someone else

We are giving you, personally, the right to use the App you may not otherwise transfer the App to anyone else or register for the App on someone else’s behalf. If you sell, transfer, or give away the device on which the App is installed, you must remove the App from it.

If we request you to enter new Security Data

We may ask you to re-set and/or update your Security Data or re-register to use the App where we know, or reasonably suspect, that your Security Data has been compromised (as above). If you fail to do this, we may block or restrict your access to the App and even end this agreement with you. We will let you know if this happens.

We will never ask you to confirm your Security Data to us.

App Changes

Changes to the App and Services 

We seek to continuously improve the App, including its content, features, functionality and ease-of-use for all App users, and we may make changes to it without notice. We can add, change, remove or block content, features or functionality in the App, either temporarily or permanently, and for any reason we consider reasonable to meet our business needs, App user needs generally, or to comply with any of our legal and regulatory obligations.

Updates to the App and Services

We may automatically update the App, its features and functionalities to improve performance, enhance functionality, reflect changes to the operating system or address security issues. Alternatively, we may ask you to update the App for these reasons. 

If you choose not to install such updates or if you opt out of automatic updates you may not be able to continue using the App and the Services until the App has been updated. 

The App will always work with the current version of the operating system (as it may be updated from time to time).    

Changes to the App Terms

We may need to change these App Terms to reflect changes in law or best practice or to deal with additional features which we introduce or remove.

We will normally give you at least [30] calendar days' notice of any change by SMS/email or notifying you of a change when you next start the App. If it is not practical or possible to give you notice we will tell you as soon as we can after the change takes effect   .

If you do not agree to any changes to the App Terms you must stop using the App and unregister it on your device (see Suspending or Ending your use of the App  ) and this agreement will end. 

If your savings account is held jointly, we will inform the first named person on the account only unless we are required to contact you both by law. 

Our responsibilities to you

The App availability 

There will be occasions we need to carry out maintenance and support for the App and you may not be able to use it. If we know your access to the App may be interrupted, we will do our best to notify you in advance. 

What we are not responsible for

Ensuring the App will be working correctly and without error on all current or any operating systems that remain supported by Apple or Google.    

We cannot guarantee or do not warrant that the App used on any device is fully secure, free of viruses, error-free or that the App is compatible with any device, its operating system, software or any browser. Apple and Google also give no warranty in relation to the App. You agree that use of the App is at your own risk.

There may be times when the App or have certain features restricted where due to planned or emergency maintenance, or in any other unplanned events or errors that may affect the App. We may also do this when we need to manage, counter, or remove a security threat, cyber-attack, or any other identified risk to the App, our systems or customer data.

Where possible, we will let you know in advance via. the App, on our website or other appropriate communications.

We will not be liable for any loss (including consequential loss) or damage you may suffer as a result of our failure to provide all or part of the functionality and features of the App when we carry out maintenance or updates or for any abnormal or unforeseeable reason that is beyond our reasonable control and which we could not reasonably have prevented such as the failure of any system or communications network operated by someone else

We are not responsible for other websites you link to through to via. the App and it may contain links to other independent websites which are not provided by us. Such independent sites are not under our control, and we are not responsible for and have not checked and approved their content or their privacy policies (if any). 

Any costs incurred by you in purchasing or using any new or replacement device in order to maintain access to the App, or to access a compatible Apple iOS or Android operating system for the App;

Any financial loss (including consequential losses) you may suffer if the App is unavailable, blocked or  restricted because you have not successfully installed an available App update or new version when prompted or requested. 

You will need to make your own independent judgement about whether to use any such independent sites, including whether to buy any products or services offered by them   . 

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors or for fraud or fraudulent misrepresentation.

Licence and acceptable use restrictions

You agree that:

• All intellectual property rights in the App belong to us and/or our licensors. You have no intellectual property rights in, or to, the App other than the right to use the App in accordance with the App Terms and you shall not be entitled to grant any rights to any third party in relation to the App.
• You will only download the App from the Apple App Store or Google Play and you have no intellectual property rights in, or to, any of the products or services offered by Apple or Google. 
• You will not use the App in any unlawful or malicious manner or in any manner inconsistent with these terms and conditions, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, such as viruses, or harmful data, into the App, its services or any operating system. 
• The App is only for personal, non-commercial use, as our customer. You will keep the App secure and must not let other people access of use the App on your device either on your behalf or for their own purposes.
• And acknowledge that the App has not been developed to meet your own individual requirements.

You must comply with all applicable technology control or export laws and regulations that apply to the technology used or supported by the App or any Service and must not:

• Rent, lease, sub-license, loan, provide, or otherwise make available, the App or the Services in any form, in whole or in part to any person.
• Transmit any material that is defamatory, offensive or otherwise objectionable in relation to your use of the App or any Service;
• Use the App or any Service in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users; and
• Collect or harvest any information or data from any Service or our systems or attempt to decipher any transmissions to or from the servers running any Service.
• Copy the App, Documentation or Services, except as part of the normal use of the App or where it is necessary for the purpose of back-up or operational security
• Translate, merge, adapt, vary, alter or modify, the whole or any part of the App, Documentation or Services nor permit the App or the Services or any part of them to be combined with, or become incorporated in, any other programs, except as necessary to use the App and the Services on devices as permitted in these terms
• Not disassemble, de-compile, reverse engineer or create derivative works based on the whole or any part of the App or the Services nor attempt to do any such things, except to the extent that (by virtue of sections 50B and 296A of the Copyright, Designs and Patents Act 1988) such actions cannot be prohibited because they are necessary to decompile the App to obtain the information necessary to create an independent program that can be operated with the App or with another program (Permitted Objective), and provided that the information obtained by you during such activities:
  • is not disclosed or communicated without the Licensor's prior written consent to any third party to whom it is not necessary to disclose or communicate it in order to achieve the Permitted Objective; 
  • is not used to create any software that is substantially similar in its expression to the App;
  • is kept secure; and
  • is used only for the Permitted Objective.

Intellectual property rights

All intellectual property rights in the App, the Documentation and the Services throughout the world belong to us, including but not limited to all copyright, patents, unregistered and registered design rights, trademarks, graphics, photographic images, material (or our licensors), and all software, underlying source code, any material sent to you by email or any other form and all other material on this App are copyright of Principality Building Society. The rights in the App and the Services are licensed (not sold) to you from us, Apple or Google. You have no intellectual property rights in, or to, the App, the Documentation or the Services other than the right to use them in accordance with the App Terms.

In the event of any third-party claim that the App or the end-user’s possession and use of the App infringes third party’s intellectual property rights, we, not Apple or Google, will be solely responsible for the investigation, defence, settlement and discharge of any such intellectual property infringement claim. You must notify us as soon as possible if you receive any claim or correspondence from any person that suggests your use of the App infringes any intellectual property rights.

Suspending or ending your use of the App

The App Terms do not have a fixed or minimum duration and will continue until you or we cancel it, see below.

When and how you can cancel

You can cancel your agreement to use the App by simply deleting the App from your device. You acknowledge that it is your responsibility to delete the App from the device if you transfer, sell, change or dispose it or end your contract with us. 

If you delete the App from a device and then redownload it, you will need to follow the process to register your device. Please note that deleting the App will not end your agreement with us for Your Account and if you would like to cancel this you can Contact Us.     

When we can end your use

We may withdraw the App and stop making it available to customers, if we do we will let you know as set out in Changes to the App Terms and give you at least 30 days’ notice .

We may end your rights to use the App and Services immediately without letting you know for any of the reasons stated in the General savings terms and conditions or, if you have broken the App Terms in a serious way. If what you have done can be put right, we may give you reasonable opportunity to do so. 

If we end your rights to use the App and Services:

• You must stop all activities authorised by these terms, including your use of the App and any Services.
• You must delete or remove the App from your registered device. 
• We may restrict your access to the App and Services.

Charges to use the App

We do not currently charge you for using the App. However, we reserve the right to introduce and/or vary a charge in the future, but we will notify you with at least 2 months’ notice before doing so. 

Your internet or mobile network provider may charge you for using data on your device and you are solely responsible for paying all internet, network access and data charges when using the App on your device.

We may transfer this agreement to someone else

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract. 

No rights for third parties

This agreement does not give rise to any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this agreement.

If a court finds part of this contract illegal, the rest will continue in force

Each of the paragraphs of these terms operates separately including any Account Terms and Conditions. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

Even if we delay in enforcing this contract, we can still enforce it later

Even if we delay in enforcing this agreement, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this agreement, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date. 

If any law, court, ombudsman or regulator says that part of this agreement can’t be enforced, this will not affect the other terms, which we will still be able to enforce.

Which laws apply to this agreement and where you may bring legal proceedings

The  App Terms are governed by the laws of England and Wales. Any legal proceedings under the App Terms must be taken to the courts of England and Wales. 

Support for the App and how to contact us

The App Terms are available in large print, Braille and audio tape on request.

Contact us

If you think the App or functionality within it is faulty or misdescribed or wish to contact us for any other reason including to make a complaint please either:

• Call: us on 0330 333 4000 (refer to our website for our openings hours).
• Email: enquiries@principality.co.uk 
• Secure message: on your online profile
• Visit: your local branch 

How we will communicate with you

If we contact you we will do so by letter, email, SMS, phone or secure message, using the contact details we hold for you or push notifications via the App. We may also contact you in accordance with your savings Account Terms and Conditions and any marketing preferences you have set up. 

App Terms last updated: [MONTH/YEAR]