By signing up and using our account information service (the “Service”) you agree to be bound by the terms below.
The Service is only available to customers who make credit applications with Street (UK) C.I.C (Street UK).
Please read our Privacy Notice along with these terms, the latest version can be found
here https://www.street-uk.com/privacy-policy. It explains how we’ll use your personal
About the Service
The Service is Street UK’s online account information service which allows you to provide consented access to your bank and/or building society accounts for the purpose of making and assessing a credit application.
When you decide to share data with us about your accounts with other payment service providers, we’ll use a secure connection to transfer it and display it using the Service. Any data you share with us will be managed and protected in accordance with the Data Protection Act 2018.
Where necessary to provide the Service, we will engage trusted third parties to access your accounts with other payment service providers. We will ensure that any of your data shared with third parties is secure at all times.
Terms and Conditions
This agreement applies to your use of the Service and is made up of these terms. Please print or download and keep a copy of this agreement. You can access the current version of the agreement on our website https://www.street-uk.com/account-information-services-ais-agreement at any time.
In this agreement:
‘You’ are the customer using the Service; and ‘We’ are Street (UK) C.I.C (Street UK).
- What is the Service and what can you do with it?
1.1 The Service is an account information service that allows you to share data with us about your bank and/or building society accounts for the purpose of making and assessing a credit application.
1.2 As part of the Service we may analyse your account information to give you a clearer picture and of your finances in a single place, enabling you to manage your money more effectively.
1.3 In order to provide the Service we will access your online accounts with other payment service providers by using a dedicated interface (such as an application programme interface or “API”) set up by the payment service provider.
1.4 You give explicit consent for us to contact the providers of the accounts you add to the Service, and to access and use the account information relating to those accounts.
- What will you need to do?
2.1 Your right to access and use the Service is personal to you and is not transferable.
2.2 The information you provide must be accurate, complete and up to date and must not give a false impression of your identity.
2.3 You must not use the Service or any software we provide for any unlawful purpose or in a manner that is inconsistent with this agreement and must only use the Service in connection with personal and non-commercial activity. You may not adapt, alter, modify, copy or reverse-engineer any part of the Service or allow someone else to do the same.
2.4 You must always keep your security details and any device used to access the Service secure and not share them with anyone, including any joint account holders. You must also ensure that only biometric information (such as your fingerprint when using Touch ID) relating to you is registered on any devices you use to access the Service. We’ll never phone, text or email you asking for your password or memorable information.
2.5 The agreements governing the accounts you have with other banks and service providers should allow you to share your online login details with authorised third-party service providers. If not, you should check that they are happy for you to share this information before using the Service.
- What happens if something goes wrong?
3.1 We will be liable for loss or damage you suffer as a foreseeable result of us breaching this agreement, our failure to meet our obligations under applicable law to protect your information and keep it secure or of any obligation that can’t be limited or excluded as a matter of law.
3.2 We will have no liability for any loss or damage arising from your use of the Service to the extent that another of your payment service providers is responsible for that loss or damage.
3.3 We will not be liable for any loss or damage caused as a result of unauthorised access to the Service or any of your accounts if:
- you intentionally or negligently failed to take all reasonable precautions to protect your security details or any device used to access the Service;
- you failed to notify us that the Service was being accessed in an unauthorised way after becoming aware of it; or
- you acted fraudulently.
3.4 The Service will usually be available at all times but occasionally repairs, updates and maintenance on our systems may mean some or all of the Service won’t be available or may be slow for a short time. We won’t be liable to you if you suffer any loss in such circumstances.
3.6 We may suspend, restrict or stop your use of the Service in accordance with our terms of service.
- How can you end the Service?
4.1 You can end these terms and your use of the Service at any time without explanation or charge by contacting us using the details in Section 8.
- How can we end or change the Service?
5.1 We’ll usually notify you of changes using email, SMS, or online notifications or any other appropriate messaging service.
Provided we give you at least 30 days’ notice in advance, we can:
- change any of these terms, including introducing or changing charges or withdrawing the Service; or
- end your use of the Service.
5.2 If we make a change that is to your advantage, we don’t have to tell you in advance.
5.3 The notice period will start from the date we tell you we have delivered the notice via an appropriate messaging service.
5.4 We can make a change for a reason set out below. If we do, the change we make will be a reasonable and proportionate response to a change that is affecting us or that we reasonably think will affect us:
- a change in regulatory requirements – for example, if the law changes or our regulator changes its rules or guidance;
- to reflect changes in the services available to you;
- to do something that is to your advantage;
- a change in the cost of providing the Service; or
- any other change that affects us if it is fair to pass on its impact to you.
5.5 We may make changes for any other reason we cannot foresee.
5.6 If you don’t want to accept a change we tell you about in advance, you can end this agreement by telling us before the change comes into effect. You can also end this agreement at any time after we make the change but the change will apply to you until you do.
- Will the Service cost you anything?
6.1 We will not charge for using the Service.
- How will we contact you?
7.1 If we need to contact you about the Service, we’ll usually contact you using email, SMS, or online notifications or any other appropriate messaging service. We’ll never change any documents held in your Open Banking portal after we have sent them.
7.2 We may also communicate with you in any other way that is personal to you. This may include email, SMS, post, online notifications or any other appropriate messaging service.
7.3 You must tell us if your name or contact details change, including any email addresses, mobile phone numbers or other contact details. If you don’t tell us, we won’t be responsible if we can’t contact you or we use outdated contact details to send you information.
- How can you contact us?
8.1 You can get in touch with us by visiting
https://www.street-uk.com/contact-street-uk or you can
also email us at: firstname.lastname@example.org or
you can call us on 0330 024 9803.
- If you’re not happy with the Service who can you complain to?
9.1 If you have a complaint, please contact us using the details above. We’ll send you a written acknowledgement within five business days and keep you informed of our progress until your complaint has been resolved. We’ll do everything we can to sort out the problem.
9.2 If you remain dissatisfied, you may be entitled to refer your complaint to the Financial Ombudsman using the contact details below.
Financial Ombudsman Service
London E14 9SR
Telephone: 0800 023 4567 or 0300 123 9123
- What else do you need to know?
10.1 All the information we give you and all communications between you and us will be in English.
10.2 We may choose not to enforce or rely on one or more of these terms and conditions at any time, but we reserve the right to start applying them again at any time.
10.3 Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service
10.4 Street (UK) C is a Community Interest Company which is registered under company number 03832332 in England and Wales with registered offices at Neville House, 14 Waterloo Street, Birmingham, B2 5TX.
10.5 We are authorised by the regulated by the PRA and Financial Conduct Authority (FCA) under Registration number 673046.
- Law applying to this agreement
11.1 This agreement is governed by the law that applies to the account you’re accessing through Online Banking (for example, if English law applies to your account, the same law will apply to your use of Online Banking). The courts of that jurisdiction will also be able to deal with any legal questions connected with this agreement