Terms and Conditions

Kube Innovation Limited – Our relationship with you

Here at Kube Innovation Limited, we don’t really like long terms and conditions, but these are important. Because this document, together with our Privacy Policy and Cookies Policy (our Terms ), sets out the rules which cover our relationship with you. They explain our responsibilities and yours, and how you can use our services. These apply to you if you use our services and are legally binding so please read them – in fact, you might want to print them out or save them on your device in case you ever want to come back to them in the future.

You should also remember that these aren’t a complete list of all your or our rights or responsibilities, as there might be others under general law. If you want more information about your general rights as a consumer, contact a consumer advice organization, such as the Citizens’ Advice Bureau.

Want to contact us?

If you have any questions about or feedback on our Terms or wish to make a complaint about our services, get in touch with us by emailing hello@kube.money.

You can leave us a voice message on the following telephone number: +44 (0)20 7486 3072. If the question or complaint relates to information we have obtained from a Credit Reference Agency or other third-party service provider, we may refer your question or complaint to them if we consider it appropriate.

If you have made a complaint about our services and we have provided a final response which is not to your satisfaction or you have not received a response within eight weeks of making your complaint, you can ask the Financial Ombudsman Service to investigate. The contact details for the Financial Ombudsman Service can be found here.

Key terms

Save as otherwise set out in these Terms:

the services we provide are on an ‘as is’ basis
we (and our other service providers) have no control over the content or accuracy of information provided by Credit Reference Agencies.
we (and our other service providers) have no control over the content or accuracy of information provided by Credit Reference Agencies.
we don’t guarantee all of the information on our website, in our app, etc is up to date or accurate at all times and we accept no liability for inaccuracies or omissions. We recommend you confirm the accuracy and completeness of any information before relying on it.

Who are we? And who can be our customer?

Who are we?

We’re Kube Innovation Limited. Where we say “we” “our” or “us” in this document, that’s usually who we mean. We might also mean anyone that might take over our business or we transfer our business to in the future. In a few places, we might mean one of our third-party service providers or a subcontractor – this should be clear from the context. If you’re not sure who we mean, get in touch and we’ll explain.

These Terms set out your agreement with us in relation to the use of our website, apps, and services, they do not create any relationship or agreement between you and any other person (including our affiliates and third-party service providers).

Kube Innovation Limited is an independent lead generator, not a lender. We earn a commission from providers if you take out a product with them, or if you visit their website.

Our company details and registrations

Kube Innovation Limited is a limited company registered in England and Wales under company number 14470137. Our registered office is at Rear of 37, Green Street, London, E7 8DA.

Data protection

Our data controller registration number is ZB624459 and you can check our registration on the Data Protection Public Register by visiting https://www.ico.org.uk/esdwebpages/search

Who can be our customer?

You’re our customer (or thinking about becoming our customer), if we say "you" or "your" in these terms, we mean you. You are welcome to be our customer provided you agree to comply with our Acceptable Use Policy and you are:

over 18 years' old
live in the United Kingdom
a real, live person accessing our services for your personal use (you can’t use our services for commercial or business use)
accessing our services on your own behalf. You also can’t (or try to) access our services for someone else. You’d have to ask them to sign up on their own behalf. You must keep your login and security details confidential. You are responsible for any use of our services using your login details, whether authorized by you or not.

We can refuse to provide a new customer with services or cease to provide services to existing customers, at any time and at our sole discretion. Examples of when we might do this include if:

we find out or have reason to believe you’re breaching these Terms (for example, you’re using our services for business use or on someone else’s behalf)
you’re rude or threatening to our staff
we decide to stop offering a service you are using
we think your use of our services is unlawful or you are breaching our Acceptable Use Policy
your initial identity verification check has been unsuccessful and we have not been able to verify your identity.

Our acceptable policy

When you’re using our services, you must not do any of the following things. If you do or if we have reason to believe you either have done or will do, we may refuse to provide services to you temporarily or permanently or we may take other action against you (including legal action).

Some of these things are unlawful. Where this is the case (or we believe it may be the case) we may disclose your identify, your activities and other information we hold about you to law enforcement agencies.

General

The email address you provide to us for the purpose of our communications with you must be personal to you and relate to an email account you control.

You must not, and you must not allow another person to, use our website or apps (including any content or materials on them) or our services:

in any way that doesn’t comply with any applicable local, national, or international law or regulation
in any way that is deceiving or fraudulent, or has any fraudulent purpose or effect
to access or interfere with another person’s account or information, impersonate another person, or create or use a false identity or email address
for your own or another person’s business purposes
to harm or attempt to harm any other person in any way
to make any unsolicited or unauthorized communications, including advertising or promotional material (“spam”)
to obtain or attempt to obtain unauthorized access to or interfere with, damage or disrupt any part of our website, any computer systems, equipment, software, or networks on or through which our website is stored or operated
to modify, adapt, decipher, decompile, disassemble, or reverse engineer any of the software comprised in or in any way making up a part of our website or services provided by our website
to scrape, reproduce, duplicate, copy, modify, distribute, publish, resell, or transmit any element comprised in our website, including any software comprised in it, the content or the services provided through it
to use any technology or processes of any kind to access, acquire, copy, monitor, navigate, or search our website or any portion of it (including the use of data mining, robots, or similar data gathering and extraction tools)
in any way that is not authorized by us or is detrimental to us or our third-party service providers.

You must not, and you must not allow another person to:

knowingly transmit any data, send or upload any material that is corrupt or contains viruses, Trojan horses, worms, logic-bombs, keystroke loggers, spyware, adware, or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware or perform any act that would cause our website to become unavailable for use by others (including via any form of denial-of-service attack)
access without authority, interfere with, damage or disrupt any part of our website, any software, the server or other equipment or network used in the provision of our website (including where owned or used by any third party).

We may monitor your use of our services and monitor your activity for security purposes.

You must fully cooperate with us where any law enforcement authorities, regulators or court order requests or directs us to disclose the identity or locate anyone posting any material or using our website or our services in breach of our Acceptable Use Policy.

Interactive services

Sometimes, we may provide interactive services on our website, including, for example, for you to review and comment on the services and products that we or product providers or issuers of credit made available.

Where we do, we’ll provide clear information to you about the kind of service offered, if it is moderated and what form of moderation is used (including whether it is human or technical). We don't have to oversee, monitor or moderate any interactive service we provide on our website, and we expressly exclude our liability for any loss or damage arising from the use of any interactive service by a user in contravention of our content standards, whether the service is moderated or not.

Where we do moderate an interactive service, we will normally provide you with a means of contacting the moderator, should a concern or difficulty arise.

Content Standards

These content standards apply to any and all material which you may contribute to our website and to any interactive services associated with it.

Contributions must:

be accurate (where they state facts)
be genuinely held (where they state opinions)
comply with applicable law in the UK and in any country from which they are posted.

Contributions must not:

contain any material which is defamatory of any person
contain any material that is obscene, offensive, hateful, or inflammatory
promote sexually explicit material, violence, or any illegal activity
promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age
infringe any copyright, database right, or trademark of any other person
be likely to deceive any person
be made in breach of any legal duty owed to a third party (for example be confidential information)
be threatening, abusing, or invading another’s privacy, or cause annoyance, inconvenience, or needless anxiety
be likely to harass, upset, embarrass, alarm, or annoy any other person
be used to impersonate any person, or to misrepresent your identity or affiliation with any person
give the impression that they emanate from us, if this is not the case
advocate, promote, or assist any unlawful act including copyright infringement or computer misuse.

Linking to our website

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
You must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part where none exists.
You must not establish a link to our website on any website that is not owned by you or that does not comply in all respects with the content standards set out in our Acceptable Use Policy.
Our website must not be framed on any other site, nor may you create a link to any part of our website other than the home page.
We reserve the right to withdraw linking permission without notice.

What are our services?

We aim to help you take control over your own finances by helping you to build your affordability score based on your bank and/or other transactions which we will only access after receiving your explicit consent.

What is an “affordability score”?

When you click to search for credit offers on our website, we or our service providers will or may record a ‘affordability score’ on your credit file, but this record will be invisible to other lenders. This means the soft search will not affect a lender’s decision whether or not to lend to you and it won’t affect your credit score.

You can opt out of the affordability score if you want to by going on the ‘My Account’ section. But if you do opt out of this, we will not be able to show you offers that are specifically targeted to you and will only be able to show you generic ones, which may be less suited to your financial circumstances.

How often will an “affordability score” be performed for your Kube Innovation Limited account?

By using our services you agree that your records and, where applicable, those of your financial associates (for example, anyone you have a mortgage or joint loan with) will be searched:

As part of verifying your identity, we will carry out an authentication search against your credit information. This search will be carried out once at the time you register for our services
Whilst you remain an active user of our services, we (or our third party service providers) will carry out searches against your credit information and, where applicable, your financial associates’ credit information in order to provide you with your credit score, credit report and relevant products.

We will hold your details and records on our systems and make this credit information available to you through our website. If there has been a relevant change or addition to information in your credit score or credit report, we may notify you by sending you an email.

We will undertake analysis and profiling of your credit information and, where applicable, your financial associates' credit information (and any other information provided by you or on your behalf). We may also make tools available to you so you can do this yourself. This is to assist you in being better informed about, understand and manage your credit position, and in order to identify and inform you of credit products that are likely to be suited to your circumstances or which we collect about you through our website, apps and your mobile devices. We will use your credit information and any other data you provide or make available to us for the purposes set out in these Terms, including our Privacy Policy.

We may also use your information (and, where applicable, that of your financial associates) to identify whether you may benefit from additional guidance concerning your credit score and steps you can take to improve your score.

Before we delete your account we will send you an email to alert you of our intention to do so. If we delete your account, we may keep records or data relating to you in accordance with our Privacy Policy.

We may share your information with third party service providers, such as Credit Reference Agencies, financial services providers and other advertisers, in accordance with our Privacy Policy and your account’s privacy settings.

If you would prefer not to share your information with such third-party service providers. But if you do opt out of this, we will not be able to show you offers that are specifically targeted to you and will only be able to show you generic ones, which may be less suited to your financial circumstances.

If you want us to, we’ll use this information to match you with tailored offers for credit and financial products. The offers won’t be from us, they’ll be from other financial services providers and you don’t have to accept these. We aim to present only economically advantageous products that you have a strong likelihood of being accepted for based on the merits of the product and your profile. Some might save you money, others might not. The key thing to remember is that you need to make your own decision about whether any offers are right for you. We don’t have all the information about you or your individual financial situation and we are not providing you with financial advice.

Making an application for lending from a third-party

Third party lenders will use their own criteria in making decisions about you. Any decisions you make on the basis of your credit score or credit report, or any other information we provide or make available to you, are purely your own choice.

Please ensure that you have fully read and understand any relevant information, such as the credit provider's terms and conditions, which provide full details of the risks involved with any decision you make. You may wish to consider obtaining professional or specialist advice before taking, or refraining from taking, any action on the basis of the content on our website or any other information we provide or make available to you.

Your responsibility

In order to get a quote through our price comparison service, you will need to answer some questions on our site needed by all the different product or service providers and any intermediaries they may use. The answers you give will determine the products or services available to you and the amount you will pay. You must get permission from any other people whose details you propose to use in requesting a quote. If you submit another person's details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used.

You are solely responsible for ensuring that all information you provide us with is true, accurate and complete and you agree to the assumptions we make. If you do not provide accurate information this could lead to your selected product being invalid and claims may not be paid. You agree that we cannot be held responsible if your selected product is invalid as a result of you providing incorrect information, to us or your selected provider.

As we work with a large number of providers it is important that you read the provider’s terms and conditions, and that you read all documents issued to you by your selected provider and ensure that you are aware of any levels of cover, financial limits and any other terms that apply. If any information is not correct, it is your responsibility to identify the mistake and correct this with the provider directly.

To access our services, you may need to create a username and password. You agree to keep confidential the password and any other login details you use to access our services or engage in any disputes process and not to disclose such passwords and other login details to anyone else. If you know or suspect that someone else has your login details and password you must contact us immediately and change your password. We will not be responsible for any activity performed using your login details unless we have acted negligently or in breach of these Terms.

Price delivery

Companies change their prices and amend their rates on a regular basis. Any price quoted to you will be accurate at the time of issue, and may change if your quote is resubmitted.

Terms of use

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING OUR SERVICES/WEBSITE

Intellectual property rights

All Content included on the Website, unless uploaded by Users, is the property of Kube Innovation Limited, our affiliates or other relevant third parties. In these terms and conditions, Content means any text, graphics, images, audio, video, software, data compilations, page layout, underlying code and software and any other form of information capable of being stored in a computer that appears on or forms part of this Website, including any such content uploaded by Users. By continuing to use the Website you acknowledge that such Content is protected by copyright, trademarks, database rights and other intellectual property rights. You may, for your own personal, non-commercial use only, do the following: retrieve, display and view the Content on a computer screen.

You must not otherwise reproduce, modify, copy, distribute or use for commercial purposes any Content without the written permission of Kube Innovation Limited.

Prohibited use

Don't do these things on our website: Anything that messes with the website or makes it hard for others to use. Stuff that's harmful, illegal, or just plain nasty. Copying content protected by copyright without permission (that's a big no-no). About those links: We sometimes link to other websites, but that doesn't mean we endorse them or are responsible for what they do. Click with caution!

Privacy Policy

Use of the Website is also governed by our Privacy Policy, which is incorporated into these terms and conditions by this reference. To view the Privacy Policy, please click on the following: Privacy Policy.

Changes to these terms

We reserve the right to modify these terms of use at any time. Your continued use of our sites following any such changes constitutes your acceptance of the updated terms. Please periodically review this page to ensure you are aware of any modifications, as they are binding upon you.

Changes to our sites

Please be aware that our websites are subject to periodic updates, with content changes occurring at our discretion. However, it is important to note that the information presented may not always reflect the latest developments, and we are not obligated to provide continuous updates. Additionally, we cannot guarantee the absolute accuracy or completeness of any content on our sites.

Accessing our sites

While access to our websites is provided free of charge, please understand that uninterrupted availability is not guaranteed. We reserve the right to temporarily or permanently suspend, withdraw, or modify any aspect of our sites without prior notice. Should our sites become unavailable, we shall not be held liable.

It's your responsibility to ensure you have the necessary access to our sites. Additionally, if others access our sites through your internet connection, it's your responsibility to make them aware of and compliant with these terms and any other applicable conditions.

No reliance on information

While the content on our websites is provided for informational purposes, it is not intended to be a substitute for professional advice. You should seek guidance from qualified experts before acting upon any information presented here. Notably, the materials on our website do not constitute financial or investment advice.

While we take reasonable steps to update our content, we offer no express or implied guarantees regarding its accuracy, completeness, or timeliness.

Limitation of our liability

These terms do not limit our liability for death or personal injury arising directly from our negligence, fraud, or fraudulent misrepresentation, nor for any other liability that cannot be excluded or limited by English law.

However, to the fullest extent permitted by law, we exclude all implied or express conditions, warranties, representations,

We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

use of, or inability to use, our sites; or
use of or reliance on any content displayed on our sites.

If you are a business user, please note that in particular, we will not be liable for:

loss of profits, sales, business, or revenue;
business interruption;
loss of anticipated savings;
loss of business opportunity, goodwill or reputation; or
any indirect or consequential loss or damage.

We disclaim all liability for any loss or damage arising from viruses, distributed denial-of-service attacks, or other harmful materials that may infect your devices or data through your use of our websites, downloading content from them, or accessing linked sites.

Furthermore, we assume no responsibility for the content of linked websites. Links do not constitute our endorsement, and we are not liable for any loss or damage resulting from your interaction with them.

Applicable law

Please note that these terms of use, its subject matter and its formation (and any non-contractual disputes or claims), are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.