Terms of Service

1. Acceptance of Terms

By accessing, registering for, or using It's My Banking (provided by itsmyapp.co.uk), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these binding terms, you must immediately discontinue use of the application.

2. User Responsibilities & Account Security

Users assume full liability for maintaining the confidentiality and integrity of account credentials, authentication tokens, session states, and any locally managed access parameters (such as shared lockbox codes, till configurations, or staff permissions). You agree to immediately notify the Data Controller of any unauthorized access or security incident.

3. Prohibited Conduct

You expressly agree not to engage in any of the following prohibited activities:

• Using the service for unlawful purposes, fraudulent accounting manipulation, or tax evasion.
• Deploying malware, automated scraping bots, denial-of-service tools, or disruptive payloads.
• Attempting to reverse engineer, decompile, or extract proprietary algorithmic logic or source code.
• Circumventing Firestore security rules, client-side authorization boundaries, or company tenancy filters.

4. Limitation of Liability

To the maximum extent permitted under applicable United Kingdom law, It's My Banking is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express or implied. The Data Controller and its affiliates accept no liability for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data corruption, or operational disruption resulting from service use.

5. Termination & Account Suspension

We reserve the statutory and operational right to immediately suspend, restrict, or terminate user access without prior notice following a verified breach of these safety terms, suspicious tampering, or non-compliance with statutory regulations.

6. Subscription & Statutory Cancellation (DMCCA 2024)

Pursuant to the Digital Markets, Competition and Consumers Act 2024 (DMCCA):

• Same-Channel Exit: You may cancel any active paid tier natively with a single click in your settings profile.
• 14-Day Cooling-Off: Statutory cooling-off cancellation rights apply at initial contract, trial transition, and 12-month auto-renewals.
• Anti-Drip Pricing: Displayed prices represent the complete total cost inclusive of all mandatory UK taxes and fees.