Terms of Service

At QBick we are re-imagining every aspect of what it means to manage money. We are challenging the
personal finance industry and to refocus on the customer and their experience. We have seen other
Fintech’s and love their applications and how they provide customers new and exciting insights into
their spending habits, but this doesn’t solve the real problems in finance. We think that the entire
model needs to be re-designed from the ground up in order to truly deliver an industry changing
service, and this is exactly what our team has been focused on.
We are re-imagining what it means to manage your finances as we believe that the finance industry has
lost its way and they don’t support their customers. Our team is focused on challenging every aspect of
this industry from the; apps, processes and most important, the customer experience.
We believe managing your money should be easy, smart, transparent and quick, and there is no reason
why all this can’t be consolidated on a central platform so the end user has a “One-Stop-Shop”, which
gives them better visibility to their money and their net worth, as well as showing you them their credit
rating to assist decisions.
We are creating the ability to not just see spending habits and how they can set themselves budgets
around this, which is what most Fintech’s are doing today, but we also want to influence and change
customer behaviour, through the utilisation of machine learning, artificial intelligence analysis and
active decision making and trust.

The App (“App”) offers personal financial management services. Further details are set out in our App Terms.

What personal data do we use?
We may collect and use the following information about you:
• Information you give us: You may give us information about you by filling in forms on, or
interacting with, the App, or by corresponding with us by phone, email or otherwise. The
information you give us may include your name, address, email address and phone number, and
information about your financial circumstances (including your bank account details, credit
cards details, and details of your banking transactions).
• Information from others: We will collect data from your Providers and others and, in doing so,
may collect information which would enable us to draw inferences about you which the law
considers to be ‘sensitive personal data’. For example, if you have a payment for membership of
a particular political party, this could reveal your political beliefs. Accordingly, if this is
information which is not generally known about you (e.g. it is not information that you would
share with colleagues or on social media) then we recommend that you ask the payee to change
the reference in the payments.
• Information we collect from you: When you use the App we may automatically collect technical
information (including IP address, device details and your login information) and information
about each visit you make to the App (such as page response times and length of visit).
What do we use your personal data for?
We may use the personal data about you to:
• deliver the App services to you – these are described in the App Terms;
• enable you to use the services of other service providers whose services are displayed in the App (for example, comparison services);
• improve and assess the use of the App;
• help us identify people like you that might enjoy the App;
• perform research and trend analysis;
• manage your User Login and provide you with support;
• take action if we need to rely upon our rights under the App Terms;
• provide you with updates about the App;
• run competitions that you enter;
• prevent fraudulent use of the App and to reduce risks; and
• comply with laws and regulations, as well as any sector-specific guidelines and regulations.
Where do we store your personal data?

The personal information we collect from you is stored on secure information technology systems
located in the EEA which are operated on our behalf by third parties, and may also be accessed from
outside the EEA when necessary for the provision of customer support, or as necessary to troubleshoot
the App, or to comply with legal requirements. By agreeing to our App Terms and this Privacy Policy,
you agree to this transfer, storing and processing. We will take all steps reasonably necessary to ensure
that your personal information is treated securely and in accordance with this Privacy Policy.
Transmitting information via the internet is never completely secure. Although we will do our best to
protect your personal information, the security of your personal information transmitted to us, to or
from any bank, or to or from any other third party, either by email or via the App, cannot be
guaranteed. Any transmission is at your own risk. You acknowledge and agree that we shall not be
responsible for any unauthorised use, distribution, damage or destruction of personal information,
except to the extent we are required to accept such responsibility under the data protection laws.
Protecting your account information
We are committed to ensuring that your information is secure. In order to prevent unauthorised access
or disclose, we have put in place suitable physical, electronic and operational procedures to safeguard
and secure the information we collect about you. In particular, we protect your information by
deploying SSL and high standard encryption algorithms.
To help us protect your information, you agree to comply with our security policies and procedures that
we notify to you from time to time.
You also agree to take all reasonable steps to prevent the unauthorised or fraudulent use of your User
Login. If you suspect that anyone else knows your username or PIN code, you must tell us at hello@QBick.com.
Third party sites and services
We will use your personal data to enable you to use the services of other service providers that are
displayed in the App (for example, comparison website operators).
If you click through from the App to these service providers then, to make your user experience better,
we may disclose your personal data to those third parties so that they can provide their services to you.
We won’t disclose more than is needed to those third parties. Their use of your data will be governed
by their own terms and conditions, and their own privacy policy – we do not control this.
Tracking tools
The App uses tokens with an expiry time to collect information about your use of the App. We use this
information to:
• provide you with a good experience when you use our App;
• for technical purposes essential to the operation of the App; and

• time visits to the App and time spent using certain functions.

We may allow third parties to provide analytics services on our behalf. Such third parties track and
examine the use of the App to prepare reports on its activities. This information may also be used to
track or analyse data.
We use well-known advertising platforms to tell you about the App. If you click through such an advert
and agree to the App Terms, an automated process will confirm to the advertising platform that you
have signed up to the App and how much you use the App.
If you do not wish your use of the App to be tracked in this way, we recommend that you do not use
the App. By continuing to use the App, you are agreeing to our use of these tracking mechanisms.
Your rights
You have the right to ask us not to process your personal information for marketing purposes. You can
exercise your right to prevent such processing at any time by contacting us at the address further
below. In later versions of the App we plan to allow you to do this through the App settings.
The data protection laws give you the right to access information held about you. Your right of access
can be exercised in accordance with that Act. Any access request may be subject to a fee of £10 to
meet our costs in providing you with details of the information we hold about you.
Our details
Our support and complaints processes can be found in the App Terms.