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General Terms & Conditions

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W1TTY Global LTD
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Valid as of: July 25, 2022 | Version 1.0

Account Terms

  1. Welcome
  2. W1TTY Global Ltd ("W1TTY", "we", "our" or "us") operates a platform accessible through the W1TTY application, which is available for download on your mobile device (the "W1TTY App"), that allows users to view the balance of, and carry out and manage transactions conducted through their electronic account (collectively, the "W1TTY Service").

  3. When these terms apply
  4. 2.1 These terms apply to your use of the electronic account that we make available to you through the W1TTY Service (your "W1TTY Account"), including when you make payments or withdraw funds from your W1TTY Account (together, the "Account Services").

    2.2 This document and any documents referred to within it (the "W1TTY Account Terms") set out additional terms that apply to your relationship with us when you use the Account Services through the W1TTY Service. It is important that you read and understand these Account Terms alongside the W1TTY Platform Terms of Service (here) before using the Account Services, as they form part of our agreement with you for providing you the W1TTY Service (the "Terms of Service").

    2.3 These Terms of Service apply to you if you are accessing the W1TTY Service from the United Kingdom. If you are accessing the W1TTY Service from any country within European Economic Area please visit our terms that apply to your use of the W1TTY Service for your specific country, links to which can be found here.

    2.4 We will ask you to agree to the Terms of Service, including these W1TTY Account Terms, when you set up a W1TTY Account. If you do not agree to these W1TTY Account Terms, please do not open a W1TTY Account or use the Account Services.

  5. Information about us
  6. The Account Services are provided by W1TTY Global Ltd, a company registered in England under company registration number 12810623 and with its registered office at 9th Floor 107 Cheapside, London, United Kingdom, EC2V 6DN. W1TTY is authorised by the UK Financial Conduct Authority (UK FCA) for the issuance of e-money, having UK FCA firm registration number 932839.

  7. Information about you
  8. Your privacy is important to us. Please read our Privacy Policy (here) to understand how we collect, use and share information about you.

  9. Information about the account
  10. 5.1 The W1TTY Account is a virtual electronic money, or e-money account. E-money is an electronic alternative to cash. You are able to transfer money to your W1TTY Account and we'll issue the equivalent value of e-money to you. You can then use the Account Services to:

    (a) View your W1TTY Account and manage your money;

    (b) Send money to other W1TTY accounts;

    (c) Send money to third party accounts; and

    (d) Send money in other currencies.

  11. Important warnings about using the Account Services
  12. 6.1 We will need to conduct certain checks to verify your identity in order for you to use the Account Services. We may also conduct further identity checks from time to time during the course of your use of the Account Services. We may refuse to provide (or, where applicable, continue to provide) you with the Account Services if we are unable to do this.

    6.2 We may monitor transactions made using the Account Services for suspicious activity and fraud. If we suspect that you are using the Account Services in an unlawful manner or in breach of these W1TTY Account Terms, we may immediately end or suspend your use of the Account Services.

    6.3 You are responsible for ensuring that any security credentials you use to access the Account Services, and any device from which you access the Account Services, are secure. This includes keeping any operating systems and antivirus software up to date, using strong PIN or passwords to secure your device, and not accessing the Account Services from a device that has been "jailbroken", "cracked", "rooted" or otherwise had restrictions in the software removed.

    6.4 We may from time to time update the W1TTY App to update or introduce new security features. You should make sure that you download and always use the most recent version of the W1TTY App to help keep your W1TTY Account safe.

    6.5 If you believe that there has been an unauthorised transaction from your W1TTY Account, you must immediately inform us and in any event within 13 months of the date of the transaction. We will not be responsible to you for any losses you suffer if you fail to notify us of any such transaction within this time frame, or if you have otherwise not complied with these W1TTY Account Terms.

    6.6 All transactions that you make through the Account Services are subject to certain limits. These limits may change over time - please see the Fees and Limits page (here) for information about the current limits applicable to the Account Services.

    6.7 The Account Services are only available to residents of the United Kingdom and European Economic Area.

    6.8 Any amounts held in your W1TTY Account will not accrue interest or any other benefits.

    6.9 Please note that any value stored in your W1TTY Account is not covered by any statutory protections afforded to banks, such as that under the UK Financial Services Compensation Scheme. We protect your funds by putting them in a separate safeguarding account with a bank. This means that, if we go out of business, you should get most of your money back, although some costs will be taken by the administrator or liquidator of W1TTY. It could also take longer for you to be refunded than it would with a bank. You should seek legal advice if you are unsure of or would like further information about whether or not your money is appropriately protected to meet your individual requirements.

  13. Who can use the Account Services?
  14. 7.1 In order to use the Account Services, you must:

    (a) be 18 years or older and legally capable in your country of residence of entering into a legally binding agreement;

    (b) be resident in the UK;

    (c) have responded to our requests to verify your identity and been approved by us in accordance with these W1TTY Account Terms;

    (d) have subscribed to use the W1TTY Service in accordance with the W1TTY Platform Terms (here); and

    (e) not have been banned or suspended by us from using the W1TTY Service or the Account Services.

    7.2 Your W1TTY Account is personal to you, and you are not allowed to give anyone else the right to use the Account Services or access your W1TTY Account on your behalf.

  15. Verifying your identity
  16. 8.1 We will need to verify your identity in order for you to use the Account Services. This is known as "Know Your Customer" or "KYC", which we are required to do by law when providing the Account Services.

    8.2 We may ask you to provide certain information to help us verify your identity. You must ensure that any information you provide is accurate, as we will not be responsible to you if we are unable to verify your identity because of any errors or omissions in the information you have provided to us.

    8.3 Your identity may be subject to verification including, but not limited to, validation against third party databases or the verification of one or more official government or legal documents that confirm your identity and your place of residence.

    8.4 Some of the searches which we or a third party may perform on our behalf, such as a credit check, may leave a soft footprint on your credit history. This will not affect your credit rating.

    8.5 We may ask you to provide updated information and supporting documents at least once a year in order to continue providing you with the Account Services.

    8.6 We may refuse to provide, or (where applicable) continue to provide you with some or all of the Account Services if we are unable to verify your identity.

  17. Money laundering
  18. 9.1 W1TTY is committed to preventing money laundering and any activity that facilitates money laundering, financing terrorism or any other criminal activity. We may therefore, from time to time:

    (a) conduct enhanced or periodic identity checks where we suspect that any unlawful activity may have taken place, or as part of our ongoing risk management procedures;

    (b) monitor your use of the Account Services to identify any suspicious transactions, including unusual transaction sizes, volumes or patterns; and

    (c) report any suspicious activity to local regulators, enforcement bodies and other compliance bodies.

    9.2 We may refuse to provide you with all or some of the Account Services if:

    (a) we are unable to complete any diligence checks on you;

    (b) we have previously identified you as an individual engaged in suspicious activity;

    (c) you are trying to access the Account Services from a country considered to be exposed to a high risk of money laundering or financing terrorism;

    (d) you are a politically exposed person, or are a family member or known close associate of a politically exposed person;

    (e) you are listed on a sanctions list in any of the jurisdictions in which we provide the Account Services; or

    (f) we otherwise identify you as an individual exposed to a high risk of money laundering or financing terrorism.

    9.3 We may also suspend or terminate your access to your W1TTY Account and the Account Services if:

    (a) we are unable to verify that the source of any funds you receive in your W1TTY Account is legitimate; or

    (b) we suspect that you have engaged in any unlawful activity; or

    (c) you do not provide us with further information about you or the source of any funds in your W1TTY Account that we may request from time to time.

    9.4 We may suspend or end the provision of any Account Services to you at any time if we suspect that you are using the Account Services in an unlawful manner.

  19. Topping up your W1TTY Account
  20. 10.1 In order to top up the balance of your W1TTY Account, you will need to do one of the following:

    (a) Make a payment using a debit card. By submitting your credit or debit card details to us and asking us to debit this card to top up your W1TTY Account using the Account Services, you confirm that the payment details you have provided to us are valid and correct.

    (b) Make a bank transfer. We will provide you with details of the bank account to which you can make a payment in order to top up your W1TTY Account, and the currency in which that bank account accepts payments. You are responsible for ensuring that you enter the details of this bank account correctly when you initiate a transfer. You will also be responsible for any charges imposed by your bank for making the transfer.

    (c) W1TTY to W1TTY Payments. You can receive a payment from another W1TTY Account holder to top up your W1TTY Account.

    10.2 Subject to paragraphs 3, 10.4 and 10.5, we will credit your W1TTY Account with electronic money equivalent in value to the amount we receive from you when you pay us by credit or debit card or execute a bank transfer as soon as possible after we have received payment. We will safeguard any funds you transfer to us when you top up your W1TTY Account in segregated accounts in accordance with our regulatory requirements. This safeguarding is intended to protect your rights in respect of the funds held in the W1TTY Account in the event we go insolvent.

    10.3 We may refuse to process any payment that you make from a card or bank account that is not in your name.

    10.4 Where you make a payment by bank transfer in a currency different to the one specified to you on the W1TTY Service when you use the Account Services to top up your W1TTY Account (the "Top-Up Currency"), your payment will be converted into the Top-Up Currency by us at the rate published (here) or by the rate given by correspondent bank or third party provider at the moment of conversion, and we will credit this converted amount to your W1TTY Account.

    10.5 Exchange rates may fluctuate rapidly, particularly with more volatile currencies, and so, when you make a transfer to your W1TTY Account that requires a currency conversion, there is no guarantee that the amount credited to your W1TTY Account will reflect the currency conversion rates published on the Account Services at the time you initiate the transfer, as there may be a delay between you initiating the transfer and the conversion to your Top-Up Currency (such as where you initiate a transfer on a day that is not a business day). Your bank may also apply additional fees to transactions in different currencies. We will not be responsible to you for any additional fees imposed by your bank or losses you suffer as a result of any changes in the exchange rate if you top up your W1TTY Account in a currency other than the Top-Up Currency.

  21. Holding amounts in your W1TTY Account
  22. The balance of your W1TTY Account is not used for investment or lending purposes and will not accrue interest. Any amounts held in your W1TTY Account are not covered by any banking protections, such as the UK Financial Services Compensation Scheme or the FDIC Deposit Insurance Scheme.

  23. Sending money from your W1TTY Account in other currencies
  24. 12.1 The Account Services allow you to send money in other currencies from your W1TTY Account.

    12.2 The available currencies and exchange rates may vary from time to time. You can view the available currencies on the W1TTY Service, and select your target currency, when you set up a transfer from your W1TTY Account. When you submit a request to send money from your W1TTY Accountin a different currency, we will execute the transfer at the currency conversion rate displayed to you when you confirm your request and will inform you by posting a message on the W1TTY Service once we have completed the transfer.

    12.3 Exchange rates can change rapidly, particularly with more volatile currencies. There is no guarantee that the value of a currency will not fall significantly. You should ensure that you check the conversion rate and the amount the recipient will receive in the target currency before you confirm your request to transfer money, particularly if you are paying a bill or an invoice issued in the target currency. . We will not be responsible to you for any losses you suffer which are caused by fluctuations in the value of any currencies in which you transfer money.

    12.4 The amount that you can exchange may be subject to a daily limit. Please refer to our "Fees and Limits" page on the W1TTY Service (here) for information on the limits applicable to currency exchanges from time to time.

  25. Making payments from your W1TTY Account
  26. 13.1 You can make payments from your W1TTY Account through the applicable functionalities on the W1TTY Service.

    13.2 To confirm a transaction, we may ask you to enter security details including your security credentials (password or passcode), biometrics linked to your device (for example fingerprint of facial recognition) or by confirming via a link sent to your mobile number or email address.

    13.3 We will execute any payments you make from your W1TTY Account unless:

    (a) you fail to provide us with valid or sufficient information about the recipient, such as their name, bank account and sort code;

    (b) you fail to provide any security credentials we request from you in order to verify the payment;

    (c) the balance of your W1TTY Account is insufficient to satisfy the payment request and any fees payable in respect of that transaction;

    (d) we believe the payment request is fraudulent or illegal; or

    (e) we are prohibited from executing the payment by applicable law.

    13.4 Unless we are prohibited from doing so by applicable law or court order, we will inform you if we refuse or are otherwise unable to execute your payment request.

    13.5 You can submit payment requests to us at any time. However, other than any instructions you submit to us to pay amounts to another W1TTY Account, any payment request that you submit to us outside of business hours (meaning between 9 am and 5 pm, Monday to Friday, other than public holidays) will be actioned by us on the following business day.

    13.6 If you ask us to make a payment at a specified future date, rather than immediately, we will action this request on your requested date, unless the date requested is not a business day in England (in which case we will do so on the next business day) or you cancel your payment instruction before that date. You will be able to cancel a payment instruction for a specified future date prior to that requested date using the applicable functionality on the W1TTY Service.

    13.7 You should check to make sure that the details you submit with your payment request, such as the amount of the payment and information about the recipient's bank account, are correct before authorising a payment from your W1TTY Account. Other than payments you instruct us to make at a specific future date, or any unauthorised transactions or errors, any payment request that you submit to us cannot be cancelled or reversed. We will not be responsible to you for any transactions where you have provided us with incorrect details, and we have executed the transaction correctly using those details. In cases where you have provided us with incorrect details of the recipient, we may make reasonable efforts to recover funds, although we may charge you for any fees related to such recovery.

    13.8 Payments that you make from your W1TTY Account are subject to daily limits and may be subject to processing fees and charges. These fees and limits are set out at on the Fees and Limits page (here).

    13.9 Once we receive and process your payment instruction, unless we are prohibited from effecting payment by applicable law or refuse to do so in accordance with these W1TTY Account Terms, your payment shall be completed and be credited to the recipient's account within the following timeframes:

    (a) payments to another W1TTY Account within the UK will be completed within a few minutes;

    (b) payments to an account within the UK will be completed within 2 hours;

    (c) payments in Euros to an account in the European Economic Area will be completed within 2 hours;

    (d) payments not in Euros to an account in the European Economic Area will be completed within 48 hours;

    (e) payments to recipients outside the European Economic Area will be completed within 96 hours.

  27. Open banking
  28. 14.1 You may allow other providers to access your W1TTY Account using "open banking". These open banking providers must be authorised with the UK FCA to provide these services. You can ask any open banking provider to provide details of their authorisation.

    14.2 Where you use open banking to access your W1TTY Account these terms still apply to you.

    14.3 We may block an open banking provider from accessing your W1TTY Account where we are concerned they are acting fraudulently, don't have authorisation from you to access your account, or are required to for legal or regulatory reasons. Where we do this, we will inform you that we have done so and the reasons for doing so, where this is possible. Where these issues are resolved, we will unblock the open banking provider.

    14.4 You may also block an open banking provider by contacting us through the chat function in the W1TTY App or by contacting us at w1tty.com/help.

  29. Security, and responsibility for unauthorised transactions or errors
  30. 15.1 You should always keep secret any security credentials that you use to access the W1TTY Service or your W1TTY Account. You should also ensure that any device from which you access the Account Services is secure. This includes keeping any operating systems and antivirus software up to date, using strong PIN or passwords to secure your device, and not accessing the Account Services from a device that has been "jailbroken", "cracked", "rooted" or otherwise had restrictions in the software removed.

    15.2 If you think that your security credentials may have been lost or stolen, you should inform us immediately by contacting us through the functionality on the W1TTY App or through our website at w1tty.com/help. If you fail to do so, we will not be responsible to you for any unauthorised transactions undertaken from your W1TTY Account.

    15.3 Where any transaction or action has been taken through your W1TTY Account but not authorised by you, or where an error has occurred, you must inform us as soon as possible.

    15.4 If you let us know as soon as possible after noticing an unauthorised transaction, and in any event within 13 months from when the money was taken from your account, we will pay back the money into your account and any charges you occurred by having that money taken out if:

    (a) you couldn't have known your security details were at risk, or the payment was taken after you had informed us your security details may have been compromised;

    (b) the mistake was due to us or someone under our responsibility;

    (c) we didn't fulfil our regulatory obligations regarding the transaction; or

    (d) we have a legal obligation to return the money.

    15.5 If you fail to notify us promptly upon noticing that an error or unauthorised transaction has occurred, or notify us after 13 months of the date of the unauthorised transaction or error, you will lose your entitlement to a refund in connection with the unauthorised transaction or error.

    15.6 You will, however, be responsible for any losses you suffer as a result of unauthorised use of your W1TTY Account where this has happened because you have acted fraudulently, have failed to keep your security details safe (either intentionally or carelessly), or have otherwise failed to comply with these W1TTY Account Terms

    15.7 We may also proactively freeze, block or suspend your W1TTY Account if we notice that there have been unusual transactions on your account or are concerned about the safety of your W1TTY Account. If we are able to under applicable legislation, we will notify you as soon as possible after we have frozen, blocked or suspended your W1TTY Account to inform you why we have done so and the steps you should take to re-activate your W1TTY Account.

  31. Fees
  32. 16.1 You do not have to pay to set up a W1TTY Account. However, certain transactions that you make through using the Account Services will incur fees as set out at on the Fees and Limits page (here), which will be deducted from the balance of your W1TTY Account. If the balance of your W1TTY Account is insufficient to pay the corresponding fees and carry out the transaction, the transaction may be declined.

    16.2 We may, from time to time, revise the fees that we charge you for using the Account Services. If we do so, we will notify you at least two (2) months in advance of the effective date of the increase.

  33. Rules of Acceptable use of the Account Services
  34. 17.1 In addition to the other requirements within these W1TTY Account Terms, this section describes specific rules that apply to your use of the Account Services (the "Account Rules of Acceptable Use").

    17.2 When using the Account Services you must not:

    (a) use the Account Services for forex trading or arbitrage;

    (b) circumvent, disable or otherwise interfere with any security related features of the Account Services;

    (c) use the Account Services if we have suspended or banned you from using it;

    (d) advocate, promote or engage in any illegal or unlawful conduct, including any criminal activity, fraud or money laundering, or conduct that causes damage or injury to any person or property; or

    (e) allow anyone else to access to or use your W1TTY Account.

    17.3 We may monitor the transactions you execute through the Account Services to ensure that you comply with the Account Rules of Acceptable Use.

    17.4 Failure to comply with the Account Rules of Acceptable Use constitutes a serious breach of these W1TTY Account Terms, and may result in our taking all or any of the following actions (with or without notice):

    (a) immediate, temporary or permanent withdrawal of your access to your W1TTY Account, your right to use the Account Services and/or the W1TTY Service;

    (b) issuing of a warning to you;

    (c) legal action against you including proceedings for reimbursement of all costs (including, but not limited to, reasonable administrative and legal costs) resulting from the breach; or

    (d) disclosure of such information to law enforcement authorities as we reasonably feel is necessary.

    17.5 The responses described in paragraph 18.4 are not limited, and we may take any other action we reasonably deem appropriate.

  35. Ending our relationship and closing your W1TTY Account
  36. 18.1 If you would like to end your use of the Account Services and to close your W1TTY Account, you can do so using the applicable functionality in the W1TTY App or through our website at w1tty.com. We will ask you to tell us where you would like to transfer any amounts held in your W1TTY Account on the date you ask us to close your W1TTY Account.

    18.2 Any instruction provided to us more than 1 year after the close of your W1TTY Account may incur a fee. This will be set out on the Fees and Limits page (here). If you have not provided us an instruction on where to transfer the amounts within the 6 years after your W1TTY Account was closed, you may not be able to redeem the money.

    18.3 While there is no fee for closing your account, where you owe us money will we deduct this amount from the amounts transferred on the close of your accounts.

    18.4 In addition to any rights to terminate or suspend your use of the W1TTY Service in the Platform Terms (here), we may immediately end your use of the Account Services and the W1TTY Service if:

    (a) you break the Account Rules of Acceptable Use;

    (b) we are unable to complete any diligence checks on you, the transactions you make using the Account Services, or if we otherwise suspect that you are using the Account Services in an unlawful manner;

    (c) you fail to maintain a positive or zero balance on your W1TTY Account; or

    (d) you break any other important rule(s), or terms and conditions we set for accessing and using the Account Services including these W1TTY Account Terms.

    18.5 We may terminate your right to access the W1TTY Service or the Account Service for any other reason by giving 2 months' prior notice.

    18.6 If you or we terminate your right to access the W1TTY Service or the Account Services, you will lose your ability to access and initiate transactions through your W1TTY Account. If we terminate your right to access the W1TTY Service or the Account Services, we will ask you, within a reasonable time frame, to withdraw any balance held in your W1TTY Account at the time of account closure. If you do not, you will be able to withdraw this balance for six years from the time you end your use of the Account Services by contacting us at w1tty.com/help.

  37. Our responsibility to you
  38. 19.1 Other than our responsibility to you to execute payment transactions in accordance with these W1TTY Account Terms or block your W1TTY Account when you have told us that your security details have been lost, stolen or otherwise compromised, our responsibility to you for any claim arising with respect to your use of the Account Services will be limited to any amounts you have paid us in the 12 months preceding your claim. If you have not paid us anything, we shall not be responsible to you for any claim arising out of the provision of the Account Services.

    19.2 In every case, we will never be responsible for any loss or damage that is not reasonably foreseeable, or that is caused by a failure by you to comply with these W1TTY Account Terms. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time you started using the Account Services, both we and you knew it might happen.

  39. Changes to these W1TTY Account Terms
  40. 20.1 We may revise these W1TTY Account Terms from time to time but the most current version will always be available (here).

    20.2 Changes will usually occur because of new features being added to the Account Services, changes in the law or where we need to clarify our position on something.

    20.3 Where possible, we will notify you at least 2 months in advance of the date of these changes. If you do not agree to the changes, you must stop using the W1TTY Account before the planned commencement date of the new changes. Continuing to use your W1TTY Account after that date means that you accept our new changes.

    20.4 However, sometimes changes will need to be made immediately and if this happens, we will not give you any notice. This may happen when we are required to make changes by law, or where we make minor changes to these W1TTY Account Terms that do not impact your rights and remedies or our obligations. When such changes occur, we will notify you as soon as reasonably practicable.

  41. Contacting you
  42. 21.1 If we need to contact you, we will do so by secure message on the W1TTY App or by text message or email to the number and address you have registered with us. Please make sure you regularly check the W1TTY App, texts and email account.

    21.2 Please ensure the details you have registered with us are up to date, and notify us of any changes. We may, from time to time, request additional information from you. Please provide this as soon as possible to avoid any disruption to your W1TTY Account.

    21.3 All communications will be in English.

  43. Documents that apply to our relationship with you
  44. 22.1 The current version of the W1TTY Account Terms contains the only terms and conditions that apply to our relationship with you with respect to your use of the Account Services and your W1TTY Account.

    22.2 You can ask for a copy of these terms and conditions through the chat function on the W1TTY App. Alternatively, you can download the current terms and conditions at any time from our website (here) or by going to the "My Details" section of the W1TTY App.

    22.3 We intend to rely on these W1TTY Account Terms as setting out the written terms of our agreement with you for the provision of the Account Services. If part of the W1TTY Account Terms cannot be enforced then the remainder of the W1TTY Account Terms will still apply to our relationship.

    22.4 If you do not comply with these W1TTY Account Terms and we do not take action immediately, this does not mean we have given up any right we have and we may still take action in the future.

  45. Resolving disputes
  46. 23.1 If you have a dispute with us relating to the Account Services, in the first instance please contact us through the chat function in the W1TTY App or by contacting us at w1tty.com/help and attempt to resolve the dispute with us informally.

    23.2 In the unlikely event that we have not been able to resolve a dispute informally, you can submit a formal complaint to us as set out in our complaints procedure, which is available at [https://legal.w1tty.com/uk-complaints].

    23.3 We will respond to any complaint within 15 business days, unless we are prevented from doing so by reasons outside of our control. We will inform you if we are unable to respond within this time frame, along with the reasons for the delay.

    23.4 If we fail to respond to you within 15 business days and do not inform you of the reasons for our delay, or if we do not provide you with a final response within 35 business days from the date we received your complaint, you can make a complaint to the Financial Ombudsman's Office. You can also do this if you are not satisfied with the way we have dealt with your complaint.

    23.5 You can contact the Financial Ombudsman's Office by calling them between 8AM and 5PM (UK time), Monday to Friday on 0800 023 4567 or by submitting form online here.

  47. Contact us
  48. 24.1 If you need to contact us in relation to these W1TTY Account Terms or any other document mentioned in them, please email us at support@w1tty.com. If you are a W1TTY customer, you can also contact us through the chat function of the W1TTY App.

    24.2 We value hearing from our users, and are always interested in learning about ways we can improve the Account Services. By providing your feedback you agree that you are giving up any rights you have in your feedback so that we may use and allow others to use it without any restriction and without any payment to you.

Platform Terms of Service

  1. WELCOME
  2. 1.1. W1TTY operates a platform accessible through the W1TTY application, which is available for download on your mobile device (the "W1TTY App"), that allows users to view the balance of, and carry out and manage transactions conducted through their electronic account (the "W1TTY Service").

    1.2 This document explains the terms on which you may use the W1TTY Service. Additional terms will apply to your use of the electronic account ("W1TTY Account") that we make available to you through the W1TTY Service (the "W1TTY Account Terms"). Please read this document, the W1TTY Account Terms and any documents they refer to (collectively, the "Terms of Service" carefully to ensure that you understand them before you use the W1TTY Service.

    1.3 These Terms of Service apply to you if you are accessing the W1TTY Service from the United Kingdom. If you are accessing the W1TTY Service from any country within European Economic Area, please visit our terms that apply to your use of the W1TTY Service for your specific country, links to which can be found here.

    1.4 We will ask you to agree to the Terms of Service when you access the W1TTY Service and create an account on the W1TTY Service. If you do not agree to the Terms of Service, you must not use the W1TTY Service.

  3. YOUR RIGHT TO THE USE OF W1TTY SERVICE
  4. 6.1 The materials and content comprising the W1TTY Service belong to us or our third-party licensors, and we give you permission to use these materials and content for the sole purpose of using the W1TTY Service in accordance with these Terms of Service.

    6.2 Your right to use the W1TTY Service, and any content that we make available through the W1TTY Service, is personal to you and you are not allowed to give this right to another person. Your right to use the W1TTY Service does not stop us from giving other people the right to use the W1TTY Service.

    6.3 We allow you to download and use the W1TTY App on your mobile device for the sole purpose of accessing and using the W1TTY Service in accordance with these Terms of Service and we grant you a non-exclusive, personal, non-transferable licence for this purpose only.

    6.4 Unless allowed by these Terms of Service and permitted by the functionality of the W1TTY Service, you agree:

    (a) not to copy, or attempt to copy any portion of the W1TTY Service;

    (b) not to give or sell or otherwise make available any portion of the W1TTY Service to anybody else;

    (c) not to change, or attempt to change any portion of the W1TTY Service in any way; and

    (d) not to look for or access the code of any portion of the W1TTY Service that we have not expressly published publicly for general use.

    6.5 You agree that all confidential information, copyright and other intellectual property rights in the W1TTY Service belong to us or the people who have licenced those rights to us.

    6.6. You agree that you have no rights in or to the W1TTY Service other than the right to use them in accordance with these Terms of Service.

  5. RULES OF ACCEPTABLE USE
  6. 7.1 In addition to the other requirements within these Terms of Service, this paragraph describes specific rules that apply to your use of the W1TTY Service (the "Rules of Acceptable Use").

    7.2 When using the W1TTY Service you must not:

    (a) copy and/or distribute any portion of the W1TTY Service;

    (b) give any false or misleading information, impersonate any person or hide or attempt to hide your identity;

    (c) circumvent, disable or otherwise interfere with any security related features of the W1TTY Service;

    (d) permit another person to use the W1TTY Service on your behalf unless such person is authorised by you;

    (e) use the W1TTY Service if we have suspended or banned you from using it;

    (f) advocate, promote or engage in any illegal or unlawful conduct, including any criminal activity, fraud or money laundering, or conduct that causes damage or injury to any person or property;

    (g) modify, interfere, intercept, disrupt or hack the W1TTY Service;

    (h) introduce viruses, Trojans, worms, logic bombs, invalid data or other material which could harm the W1TTY Service;

    (i) collect any data from the W1TTY Service other than in accordance with these Terms of Service (including by any automated or non-automated "scraping"); or

    (j) use any automated system, including without limitation "robots", "spiders" or "offline readers" to access the W1TTY Service in a manner that send more request messages to the W1TTY Service than a human can reasonably produce in the same period of time.

    7.3 Failure to comply with the Rules of Acceptable Use constitutes a serious breach of these Terms of Service, and may result in our taking all or any of the following actions (with or without notice):

    (a) immediate, temporary or permanent withdrawal of your right to use the W1TTY Service;

    (b) legal action against you including proceedings for reimbursement of all costs (including, but not limited to, reasonable administrative and legal costs) resulting from the breach; and/or

    (c) disclosure of such information to law enforcement authorities as we reasonably feel is necessary.

    7.4 The responses described in paragraph 3 are not limited, and we may take any other action we reasonably deem appropriate.

  7. APP STORE TERMS
  8. 8.1 You acknowledge that these Terms of Service set out the terms of the agreement between you and us only, and do not apply to your relationship with Google Ireland Limited, Apple, Inc. or any other provider of an app store or distribution W1TTY Service from which you download the W1TTY App (the "Store Provider").

    8.2 We, not the Store Provider, will be solely responsible for the W1TTY App, any content that we make available through the W1TTY App and any support or maintenance in respect of the W1TTY App. The Store Provider will have no obligation to provide any maintenance or support services with respect to the W1TTY App.

    8.3 We, not the Store Provider, will be solely responsible in the event that the W1TTY App does not comply with any warranties or other promises (including any promises made in respect of its functionality, suitability or fitness for purpose). To the maximum extent permitted by law, the Store Provider will not be responsible to you for any claims in relation to the W1TTY App.

    8.4 In the event of any claim that the W1TTY App infringes another person's intellectual property rights, we, not the Store Provider, will be solely responsible for investigating, defending, settling or otherwise dealing with any such intellectual property infringement claim.

    8.5 You acknowledge that:

    (a) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country;

    (b) you are not listed on any U.S. Government list of prohibited or restricted parties; and

    (c) the Store Provider (and members of its corporate group) are third party beneficiaries under these Terms and Conditions and have the right to enforce these Terms and Conditions against you.

  9. ENDING OUR RELATIONSHIP
  10. 9.1 If at any time you feel that you no longer agree with these Terms of Service or any changes made to the Terms of Service or the W1TTY Service, you must immediately stop using the W1TTY Service. If you have created a W1TTY Account you will need to cancel your W1TTY Account in accordance with the W1TTY Account Terms (here).

    9.2 We may immediately end your access to the W1TTY Service if you break the Rules of Acceptable Use, any other important rule(s), or terms and conditions we set for accessing and using the W1TTY Service including these Terms of Service, or where we are required to do so to comply with a court order, law, regulation, regulatory decree or ombudsman’s orders.

    9.3 We may also suspend your access and use of the W1TTY Service if we are required to do so to comply with a court order, law, regulation, regulatory decree or ombudsman’s orders, or while we investigate any suspected breach of these Terms of Service or suspicious activity relating to your W1TTY Account, in each case if continuing to provide you with access to the W1TTY Service while we conduct these investigations is likely to harm us, the W1TTY Service or another user of the W1TTY Service, or may cause us to be in breach of applicable law.

    9.4 We may withdraw the W1TTY Service altogether as long as we give you 2 months' prior notice that we plan to do this.

    9.5 If you or we end your use of the W1TTY Service or we withdraw the W1TTY Service as described in this paragraph you will lose your ability to access and initiate transactions through the W1TTY Service and we will ask you, within a reasonable time frame, to withdraw any balance held in your W1TTY Account in accordance with the W1TTY Account Terms.

    9.6 There is no fee for ending your use of the W1TTY Service; however, if you or we end your use of the W1TTY Service, this shall not affect any of your obligations to pay any sums due to us.

    9.7 We will not offer you compensation for any losses you might suffer as a result of our termination or suspension of your use of the W1TTY Service as set out in this paragraph, unless:

    (a) the termination or suspension is done in error on our part; or

    (b) we fail to reactivate your access to the W1TTY Service as soon as we complete an investigation or if any suspension of your access to the W1TTY Service by a court or other official body is lifted.

    9.8 Nothing in this paragraph 9 affects any legal rights you may have under the law of the country in which you are resident.

  11. OUR LIABILITY AND RESPONSIBILITY TO YOU
  12. 10.1 We do our best to ensure that the W1TTY Service itself is of a reasonable standard and quality and matches any descriptions we have provided to you. However, the W1TTY Service may contain some content owned or developed by third parties, and rely on third-party networks, such as banks and payment providers. As we do not own or produce such third-party content, or operate these third-party networks, we cannot be responsible for them in any way. We will not be responsible to you if any transaction you enter into through W1TTY Service fails as a result of any error or unavailability of these third-party services or the networks they rely on.

    10.2 We will do our best to ensure that any elements of the W1TTY Service that require a connection to the Internet will always be available to you. However, due to the nature of the Internet and technology, any such features of the W1TTY Service may be unavailable if we need to undertake any emergency or scheduled maintenance on our systems. This means that we are unable to promise that your use of those features of the W1TTY Service will always be uninterrupted, without delays, error-free or meet your expectations. We will notify you of any planned outages; however, we may not be able to do this if any outages are caused by circumstances outside of our control.

    10.3 In the event of a claim arising out of the provision of the W1TTY Service, we will never be responsible for any loss or damage that is not reasonably foreseeable or that is caused by a failure by you to comply with these Terms of Service. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time you started using the W1TTY Service, both we and you knew it might happen.

    10.4 The above does not affect your rights under the applicable law of the country in which you are resident, including our responsibility to you for any personal injury or death caused by our negligence, our responsibility in the event of any fraud on our part, or our responsibility if we deliberately breach our commitments in these Terms of Service.

  13. RESOLVING DISPUTES
    1. 1 We hope that you enjoy your use of the W1TTY Service. However, if you have a complaint or dispute with us relating to the W1TTY Service, we would welcome the opportunity to try to make things right and resolve the dispute with you ourselves. In the first instance, please contact us using the details in paragraph 2.2 of these Terms of Service so that we can attempt to resolve the dispute informally.
    2. 11.2 if you are in the European Economic Area, you may (but are not obliged to) seek resolution of any dispute with us through consumer mediation services. You can do this through the European Online Dispute Resolution (ODR) W1TTY Service, available at this link: https://ec.europa.eu/consumers/odr/.

      11.3 In the unlikely event that we have not been able to resolve a dispute informally, we will discuss and agree with you the most effective way of resolving our dispute through a formal dispute resolution process.

      11.4 This paragraph does not affect your statutory rights.

  14. UPDATES
    1. 1 We are constantly updating and improving the W1TTY Service to try and find ways to provide you with new and innovative features and services. Improvements and updates are also made to reflect changing technologies, tastes, behaviours and the way people use the Internet and the W1TTY Service.
    2. 12.2 In order to do this, we may need to update, reset, stop offering and/or supporting a particular part of the W1TTY Service, or feature relating to the W1TTY Service ("changes to the W1TTY Service"). These changes to the W1TTY Service may affect your past activities on the W1TTY Service and features that you use ("W1TTY service elements"). Any changes to the W1TTY Service could involve certain W1TTY service elements being deleted or reset.

      12.3 You agree that a key characteristic of the W1TTY Service is that changes to the W1TTY Service will take place over time and this is an important basis on which we grant you access to the W1TTY Service. Once we have made changes to the W1TTY Service, your continued use of the W1TTY Service will show that you have accepted any changes to the W1TTY Service. You are always free to stop using the W1TTY Service.

  15. CHANGES TO THE DOCUMENT
  16. 13.1 We may revise these Terms of Service from time to time but the most current version will always be available here.

    13.2 Changes will usually occur because of new features being added to the W1TTY Service, changes in the law or where we need to clarify our position on something.

    13.3 Normally, we will try to give you some warning before the new terms become effective. However, sometimes changes will need to be made immediately and if this happens we will not be able to provide you with notice.

  17. DOCUMENTS THAT APPLY TO OUR RELATIONSHIP WITH YOU
  18. 14.1 The current version of the Terms of Service contains the only terms and conditions that apply to our relationship with you.

    14.2 We intend to rely on these Terms of Service as setting out the written terms of our agreement with you for the provision of the W1TTY Service. If part of the Terms of Service cannot be enforced then the remainder of the Terms of Service will still apply to our relationship.

    14.3 If you do not comply with these Terms of Service and we do not take action immediately, this does not mean we have given up any rights we have and we may still take action in the future.

  19. TRANSFER OF OUR RIGHTS
  20. We may transfer our rights and obligations under these Terms of Service to another organisation, and we will notify you if this happens. This will not affect your rights or our obligations under these Terms of Service.

  21. LAW
  22. 16.1 English law will apply to all disputes and the interpretation of these Terms of Service. The English courts will have non-exclusive jurisdiction over any dispute arising from or related to your use of the W1TTY Service. This does not affect your rights under applicable consumer law in the country where you are resident, including your ability to bring a claim against us in the courts of that country. If you are a resident of Scotland or Northern Ireland, this means you can bring a claim against us in the Scottish or Northern Irish courts.

  23. FEEDBACK AND COMPLAINTS
  24. We value hearing from our users, and are always interested in learning about ways we can improve the W1TTY Service. By providing your feedback you agree that we may use and allow others to use such feedback without any restriction and without any payment to you.