As of June 2019

  1. Introduction
    1. Welcome to (“Site”). This page tells you the T&Cs (“Terms”) on which you may use our Site, whether as registered user or guest. Please read carefully before use. By using the Site, you accept these Terms and agree to obey them. If you don't accept them, please don't use the Site.
    2. We frequently update the Site and make changes to it, but we don't have to do this, and material on the Site may be out-of-date. No material on the Site is intended to contain advice, and you shouldn't rely on it. We exclude all legal responsibility and costs for reliance placed on the Site by anyone.
    3. Links from our Site to other websites are for information only. We don't control them and don't accept responsibility for other websites or any materials found upon them or any loss you suffer from using them.
  2. Who We Are
    1. The Site is operated by Touco App Limited, a UK Limited company registered in England under company number 11514165 with its registered office at 28 Ely Place, London EC1N 6TD, United Kingdom.
    2. For the supply of Account Information Services, which are regulated under the Payment Services Regulations 2017, Touco is acting as the registered agent of Business Finance Technology Group Limited. Business Finance Technology Group Limited is a limited company registered in England and Wales (company reg. no. 09422433) with its registered office and principal trading address is at The Poynt Building, 45 Wollaton Street, Nottingham, Nottinghamshire, NG1 5FW. Business Finance Technology Group is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (reference number: 709589) for the provision of payment services.
    3. Touco is a registered agent of Business Finance Technology Group, with Financial Conduct Authority reference number: 927737.
  3. Use of the Site
    1. You have permission for temporary use of the Site, but we can withdraw or change our service at any time without telling you and without being legally responsible to you.
    2. You must treat all identification codes, passwords and other security information as confidential. If we think you have failed to keep confidentiality, we are allowed to disable any security information (including your passwords and codes). If you allow anyone else to use our Site, you must make sure that they read these Terms first, and that they follow them.
    3. Only use the Site as allowed by law and these Terms. If you don't, we may suspend your usage, or stop it completely.
    4. We follow our privacy policy in handling information about you. You can read our policy at
    5. By using the Site, you agree to us handling this information and confirm that data you provide is accurate.
  4. Intellectual Property Rights
    1. We are the owner or licensee of all intellectual property rights in the Site (for example the copyright and any rights in the designs) and in any of the material posted on it. They are protected by copyright.
    2. You are allowed to print one copy and download extracts of any page on the Site for your personal reference, but not for commercial use without a licence from us. You must not alter anything, or use any illustrations, video, audio or photographs separately from the text that goes with them.
    3. If you breach these terms, you lose your right to use our Site, and must destroy or return any copies you have made.
  5. Our Legal Responsibility to You
    1. We do not guarantee the accuracy of material on our Site. As far as legally possible, we exclude legal responsibility for the following:
    2. Any loss to you arising from use of our Site; and
    3. Loss of income, profit, business, data, contracts, goodwill or savings.
    4. We also exclude, as far as legally possible, all terms and warranties or promises implied by law or by statutes.
  6. Acceptable Use Policy
    1. If you upload material onto the Site you must follow the following acceptable use policy. You agree to reimburse us for any costs or expenses we incur as a result of any breach of this term.
    2. Material that you upload will be regarded as non-confidential and not owned. This means that we can copy it, distribute it, and show it to other people for any purpose. You agree that if anyone else claims to own the material, or says that it breaches their rights, we can give them your identity.
    3. We won't be legally responsible to anybody for the accuracy of material that you upload to the Site, and we can remove it at any time if we think it doesn't follow our acceptable use policy.
    4. You must not use the Site to do any of the following:
    5. Break any laws or regulations;
    6. Do anything fraudulent, or which has a fraudulent effect;
    7. Harm or attempt to harm minors;
    8. Do anything with material that does not meet our content standards (listed below);
    9. Do anything with unsolicited advertising material (known as spam);
    10. Transmit any data or material that is harmful to other programs, software, or hardware (for example, viruses, Trojan horses, worms, automatic scraping software etc);
    11. Copy in any way or re-sell any part of our Site; and
    12. Interfere with or damage any part of our Site, equipment, network, software or storage arrangements.
    13. Our content standards apply to all material that you upload to our Site and to all interactive services. Your contributions must:
    14. Be accurate (if they are factual);
    15. Be genuine (if they state opinions);
    16. Be within the law;
    17. Not be defamatory, obscene or offensive;
    18. Not be likely to deceive, harass, annoy, threaten or invade someone else’s privacy;
    19. Not promote material that is sexually explicit;
    20. Not promote violence, or discrimination based on race, sex, religion, nationality, age, disability, or sexual orientation;
    21. Not infringe anyone else's intellectual property;
    22. Not be used to impersonate anyone, or misrepresent anyone's identity; or
    23. Not encourage or assist anything that breaks the law.
  7. Disclosure to Courts
    1. If you have to disclose confidential information by order of a court or other public body you may do so.
  8. Suspension and Termination
    1. If we think you have breached these Terms, we will take whatever steps we think are necessary. These might include:
    2. Stopping your use of the Site temporarily or permanently;
    3. Removing material you have put on the Site;
    4. Sending you a warning;
    5. Taking legal action; or
    6. Telling the right authorities.
    7. We exclude legal responsibility and cost for actions we take to deal with your breach of these Terms.
  9. Computer Offences
    1. If you do anything which is a criminal offence under a law called the Computer Misuse Act 1990, your right to use the Site will end straightaway. We will report you to the relevant authorities and give them your identity.
    2. Examples of computer misuse include introducing viruses, worms, Trojans and other technologically harmful or damaging material.
    3. You mustn't try to get access to our Site or server or any connected database or make any 'attack' on the Site. We won't be legally responsible to you for any damage from viruses or other harmful material that you pick up via our Site.
  10. Variation
    1. We change these terms from time to time and you must check them for changes because they are binding on you.
  11. Trade mark
  12. Applicable Law
    1. The parties will use their best efforts to negotiate in good faith and settle any dispute that may arise out of or relate to these Terms or any breach of it.
    2. The English courts have the only right to hear claims related to our Site, and all disputes are governed by English law.
  13. Contact Us
    1. Please email us at to contact us about any issues.