1. Our agreement

1.1 Introspect Technologies LTD ("Introspect", "introspect.io", "Introspect Technologies”, "our", or "us") is a company registered in England and Wales whose registered office is at 71-75 Shelton Street, London, United Kingdom, WC2H 9JQ, and whose registered number is 13106979.

1.2 Introspect is registered with the Financial Conduct Authority under the Payment Services Regulations 2017 for the provision of account information services. Reference no 947641.

1.3 By accessing or using the Introspect website or the Introspect service made available by Introspect Technologies, you confirm that you accept these terms of use ("Terms of Use") and that you agree to be bound by them. If you do not agree to these Terms of Use, you must not use the Service. The Service is owned, operated and controlled by Introspect Technologies.

1.4 These Terms of Use (together with our Privacy Policy) set out the terms on which you may make use of the Service and set out in detail your rights and responsibilities to us and our rights and responsibilities to you during your use of the Service.

1.5 Please read these Terms of Use carefully before you start to use the Service as they will apply to your use of the Service. We recommend that, wherever possible, you print or save a copy of them for future reference.

1.6 These Terms of Use shall be governed by and construed in all respects in accordance with English law. We and you agree that the English courts shall have exclusive jurisdiction to settle any claims or proceedings relating to these terms or their subject matter.

2. The Service

2.1 Introspect provides a payment operations service that allows you to consolidate and manage the payment and financial information for your business, and to automate tasks related to this information (the "Service").

2.2 The Service will allow you to:

• upload details of transactions, financial activity and business activity processed through third party sites ("Providers");
• access details of these transactions financial data;
• view statistics and analysis derived from this financial data; and
• automate business processes related to this data.

2.3 The purpose of the Service is to show you multiple sources of financial and payment information in one place, to provide financial analysis and insights, and to facilitate the automation of business tasks related to this information.

2.4 You acknowledge and agree that the Service is not endorsed or sponsored by the Providers.

3. Access to the Service

3.1 Access to the Service will be through our website at introspect.io.

3.2 Subject to section 3.3, the person signing up for the Service by opening an Account will be the contracting party ("Account Owner”) for the purposes of our Terms and Conditions and will be the person who is authorized to use any corresponding Account we may provide to the Account Owner in connection with the Service.

3.3 If you are signing up for the Service on behalf of your employer, your employer shall be the Account Owner. If you are signing up for the Service on behalf of your employer, then you must use your employer-issued email address and you represent and warrant that you have the authority to bind your employer to our Terms and Conditions.

3.4 Based on your Introspect pricing plan, you can create one or more staff accounts (“Staff Accounts”) allowing other people to access the Account.

3.5 The Account Owner is responsible and liable for the acts, omissions and defaults arising from use of Staff Accounts in the performance of obligations under these Terms and Conditions as if they were the Account Owner’s own acts, omissions or defaults.

4. Access to Provider Accounts

4.1 To use some functionality offered by the Service, you must first provide access to your Provider Account to us. Introspect will then automatically download transactional information relating to your Provider Account(s) and continue to do so at certain times until you withdraw your consent for it to do so. Introspect will not initiate any payments from your Provider Account(s).

4.2 You grant to us a non-exclusive, royalty-free licence to use the information in your Provider 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. We 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 we may use the information for the purposes set out above.

4.3 You are permitted to use content delivered to you through the Service only on our site. You may not copy, reproduce, distribute, or create derivative works from this content.

4.4 By providing your account details to Introspect, you agree and grant our us permission to aggregate your personal data, which may then be stored outside of your own country to the extent permitted by applicable law.

4.5 You agree that when we retrieve your information relating to your Provider 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.

4.6 You agree that we will be entitled to disclose your identity and information relating to your Provider Account(s) to third parties if we are required to do so by any applicable law or court order.

4.7 We do not check the accuracy of the Provider Accounts information and personal information you provide to us and we rely on you and your Provider Account providers to ensure that the Provider 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 Provider Accounts and that you have the authority to appoint, and do expressly appoint, Introspect 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 Provider 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.

4.10 You agree that our third-party services providers are third-party beneficiaries of the applicable provisions of these Terms, with all rights to enforce such provisions as if such service providers were a party to these Terms.

5. Your privacy and cookies

5.1 We use cookies and similar technologies to provide the Service. By using the Service, you agree to the terms of our Privacy Policy, which forms part of these Terms of Use and our agreement with you.

5.2 In line with the terms of our Privacy Policy we will use data received in the provision of our service to generate anonymised payments and financial statistics.

6. Your behaviour towards Introspect

6.1 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").

6.2 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.

6.3 You must not access the Service via a means not authorised by Introspect, 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 express written consent from Introspect Technologies).

6.4 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 Introspect.

6.5 Introspect does not accept unsolicited content, information, ideas, suggestions or other materials except where Introspect 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.

6.6 Where you do submit unsolicited content, information, ideas, suggestions or other materials submitted in breach of this paragraph 6, 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.

7. Third party packages and services

7.1 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.

7.2 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.

7.3 Introspect 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).

8. Web data: charges and security

8.1 You agree that you are responsible for any and all data charges you incur from mobile service providers, internet service providers or other data providers in using the Service.

8.2 We cannot guarantee that the Service will always be free from Viruses. You are responsible for configuring your information technology (including your mobile telephone) in order to access the Service and for the security of your internet connection. You should use your own virus protection software.

9. Our right to vary these Terms

9.1 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.

9.2 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. You agree that we may notify you of the Amended Terms by posting them on the Service. 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.

10. Warranties

10.1 You expressly understand and agree that:

• 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. Introspect Technologies 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 Introspect Technologies 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.

10.3 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 us through or from the Service will create any warranty not expressly stated in these Terms.

11. Our liability

11.1 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. Loss or damage is foreseeable if it is an obvious consequence of our breach or if it was contemplated by you and us at the time we entered into this Contract.

11.2 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.

11.3 To the extent permitted by applicable law, we will not be liable to you in connection with the Service (including your use or inability to use the Service) for:

• loss of profits or goodwill;
• 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 Introspect Technologies;
• the acts or omissions of the providers of your Provider 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.

11.4 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.

12. Indemnification

12.1 You agree to protect and fully compensate our Trusted Partners and us and our affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable solicitors’ fees) caused by or arising from your use of the Service, your violation of these Terms or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.

13. Termination and suspension

13.1 We will determine, in our discretion, whether there has been a breach of these Terms of Use through your use of the Service. 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.

13.2 The responses described above are not limited and we may take any other action we reasonably deem appropriate.

14. Linking to our website

14.1 You may link to any page of our Website, provided that you do so in a way that is legal and that does not damage or take advantage of our reputation nor seeks to do so.

14.2 You must not suggest any form of association, approval or endorsement on our part where none exists.

14.3 You must not remove, obscure or modify any advertisements, copyright notice or other information on our Website. Our Website must not be framed on any other website.

14.4 The website in which you are linking must comply in all respects with the content standards set out in these Terms of Use and we reserve the right to withdraw linking permission without notice.

15. General provisions & applicable law

15.1 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.

15.2 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.

15.3 These Terms of Use (together with our Privacy 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.

15.4 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.

15.5 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.

15.6 Any dispute arising in connection with this Agreement will be governed by and construed in accordance with English law and the English courts will have exclusive jurisdiction to settle any such dispute.

15.7 Nothing in paragraph 15 will limit our right to take proceedings against you in any other court of competent jurisdiction, nor will the taking of proceedings in any one or more jurisdiction preclude us from taking proceedings in any other jurisdiction, whether concurrently or not, to the extent permitted by the law of such other jurisdiction.

16. Payment of Fees

16.1 You will pay the Fees applicable to your subscription the Service("Subscription Fees") and any other applicable fees. Together, the Subscription Fees and any other applicable fees are referred to as the "Fees".

16.2 You must keep a valid payment method on file with us to pay for all incurred and recurring Fees. Introspect will charge applicable Fees to any valid payment method that you authorise ("Authorised Payment Method"), and Introspect will continue to charge the Authorised Payment Method for applicable Fees until the Service is terminated, and any and all outstanding Fees have been paid in full. Unless otherwise indicated, all Fees and other charges are in Pound Sterling, and all payments shall be in United Kingdom currency.

16.3 Subscription Fees are paid in advance and will be billed in 30 day intervals (each such date, a “Billing Date”). You will be charged on each Billing Date for all outstanding Fees that have not previously been charged.

16.4 If we are not able to process payment of Fees using an Authorised Payment Method, we will make a second attempt to process payment using any Authorised Payment Method 3 days later. If the second attempt is not successful, we will make a final attempt 3 days following the second attempt. If our final attempt is not successful, we may suspend and revoke access to your Account and the Services. Your Account will be reactivated upon your payment of any outstanding Fees, plus the Fees applicable to your next billing cycle. You may not be able to access your Account during any period of suspension. If the outstanding Fees remain unpaid for 60 days following the date of suspension, Introspect reserves the right to terminate your Account.

16.5 You are responsible for all applicable Taxes that arise from or as a result of your subscription to or purchase of the Service.

16.6 Introspect does not provide refunds

17. Cancelling your account

17.1 You may cancel your account at any time.

17.2 The Account Owner may cancel the the account via the Introspect website. All data and information previously gathered and held by Introspect on your behalf, in order to provide the Service, will be deleted in line with our Privacy Policy.

17.3 Extended periods of inactivity may also result in cancellation or Account Information stored in the Service being made unavailable.

17.4 Without limiting any other remedies, Introspect may suspend or terminate your Account if we suspect that you have engaged in fraudulent activity in connection with the use of the Services.

18. Enquiries & complaints

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@introspect.io.