Registration T&Cs

General info

Our agreement

Banking with Finny Finance is straightforward, so we give you information when it’s relevant to you. At this point, our contract with you consists of our Registration T&Cs. Please ensure you read them so you understand the terms of our agreement with you. If there’s any conflicting information, these Registration T&Cs take priority. These T&Cs detail the agreement between you and Finny Finance (‘we’/‘us’) when you register. Each condition of these T&Cs operates separately. If any court or competent authority decides that any of them are unlawful or unenforceable, the other conditions will remain in full force and effect.

Registering

To register, apply for an account that suit your needs.

Alternative format

Please let us know if you need these T&Cs supplied in another format, or if we can help you to use our service in any other way. Get in touch with us via the Help & Support live chat or email help@finnyfin.com.

Your data

Your customer record

When you register, we’ll collect your:

first name;
surname;
email address; and
mobile phone number.

We will use this data to set up your customer record.

Registering ‘Your ID’

To register, you’ll need apply for an account and set up ‘Your security to log in’ with Finny Finance. We will use this information to confirm it’s you every time you log into your account.

There may be times when we’ll ask you to use more than one of Your ID data to complete specific activities. We call this ‘stepping up’. You must never register Your ID data against someone else’s customer record. If you do this, we may stop you from using our services and close any accounts you have opened.

You’re responsible for keeping your password safe. This includes setting a password that’s not easy to guess and keeping it secret. You must tell us immediately if you think someone may have accessed your account.

Please remember: we’ll never ask you to tell us your password. You shouldn’t share it with anyone, even if you think they work for Finny Finance.

Protecting your data

We will use your customer record and Your ID data to:

set up your customer record;

verify your identity;

complete troubleshooting, data analysis, testing, research and for statistical and survey purposes; and

suggest Finny Finance products or services that may be of interest to you.

We encrypt Your ID data when we send and store it. We use the highest standards of security technologies and procedures to do this.

We encrypt Your ID data when you register and every time you use it to log in or step up. It remains accessible to us for a limited period of time. It is then transferred within the bank and stored as an algorithm. This means it is inaccessible as an identifiable piece of personal data.

We use security measures to:

protect Your ID data from unauthorised access;

maintain accuracy of your data; and

ensure appropriate use of your data.

The measures we use to keep your data safe and secure include:

data encryption and digital signatures to ensure the continuing integrity of your data;

firewalls, intrusion detection systems and 24/7 physical protection of storage facilities;

background checks for personnel that access physical facilities; and

strong security technologies and procedures across all service operations.

Take a look at our Privacy Policy for more information about how we protect your data.

Your data rights

Once you’ve registered your details with us, you have certain rights that apply. This can depend on the stage of your application, the information you’ve shared with us and our regulatory obligations relating to it.

Your rights include:

The right to access your data.

The right to ask us to erase your data.

The right to share or move your data (sometimes called ‘portability’).

The right to ask us to correct any mistakes.

Take a look at our Privacy Policy for more information about your data rights and how they apply to you.

The legal stuff

Changes to these T&Cs

We’ll give you 30 days’ notice to consider any changes to these T&Cs, unless they’re to your advantage, when we’ll make them straight away.

In some circumstances, we may be required by regulation to give you more or less notice. In these cases, we’ll tell you how much time you have to review the changes.

You can object to the changes before they take effect, and, depending on the circumstances, you may be able to close an impacted account. Otherwise, you’ll be deemed to have accepted the changes from the date they take effect.

We’ll only make changes to these T&Cs to:

reflect developments in our proposition (including our products / services);

respond proportionately to changes in the law or decisions of the Financial Ombudsman Service;

meet regulatory requirements;

reflect new industry guidance or codes of practice which raise standards of consumer protection;

proportionately reflect other legitimate cost increases or reductions associated with providing the particular product or service you use;

ensure we are being fair to all our customers; and/or

respond to changes in general banking practice for the benefit of all consumers.

Applicable law

These T&Cs are governed by the laws of England and Wales and if there’s any disagreement about them, or between us about your registration, we each agree that this will be dealt with by the Courts of England and Wales.

Registration T&Cs_v2.0. Effective from 05/08/24.