1. Who are we?
We are Tully built by Fair Way Forward Limited (Tully, we, our, us). Our company and registration details are:
Company number: 11308960
Jurisdiction registered in: England and Wales
Registered address: 1 Hammersmith Broadway, London, UK, W6 9DL
We are registered as a data controller with the Information Commissioner’s Office under registration number ZA382781. You can check our registration on the Data Protection Public Register by visiting https://ico.org.uk/esdwebpages/search.
When we say “you” or “your” in these terms and conditions, we mean you – the person who created an account and agreed to these terms and conditions, or the person who is in the process of creating an account and considering these terms and conditions.
2. What do we do?
We provide a free online platform to take the stress out of debt by helping you manage your finances and any debts you may have by giving you access to budgeting (the Services).
3. How can you become a customer?
When you create an account on our platform you will be asked to confirm your acceptance to these terms and conditions, after which point you will become a Tully customer.
By creating an account, you confirm that you:
You can only use our services if you meet the above requirements.
We can refuse to provide you with services or cease to provide you with our services, at any time and at our sole discretion. Examples of when we might do this include if:
In order to give you a picture of your spending, debt and how much you may afford to repay your creditors, we need access to (i) your credit report and credit score from credit reference agencies and (ii) financial information from your bank.
Your financial information
We need access to financial information from your bank accounts to be able to build an accurate picture of your income and expenditure to make sure you can afford your repayments. The easiest way to do this is by signing up with our Open Banking Provider; they enable you to share your financial information with us securely and directly from your bank account (see section 6 below for more details). Otherwise you will need to manually enter your financial information.
5. Our partners
We have teamed up with innovative companies like Openwrks, our Open Banking Provider, to provide you with our Services.
Openwrks is a data platform, authorised and regulated by the FCA under reference number 709589. We use OpenWrks to enable you to share your financial information with us securely and directly from your bank account so we can understand your income and expenditure as part of building your Tully budget without you having to manually upload your bank statements. OpenWrks' terms and conditions can be found here.
Please note that we do not have any control over their products and services and as such, cannot be liable for any failure of such products and services. We therefore strongly encourage you to fully read and understand their terms and conditions before agreeing to them.
6. Making changes to these terms and conditions or our services
We may change these terms and conditions, our website, apps and our services at any time. We will notify you of any changes to our terms and conditions that affect your rights and obligations by sending you an email notification, by posting a notice on our website or app or through the services, or in any other manner we deem appropriate. Your continued use of our website, apps or our services shall constitute your acceptance of the revised terms and conditions.
7. How do we use your data?
8. Accuracy and non-reliance on information
We don't check the information we receive from you or third parties for accuracy or completeness, nor do we have any control or ability to change the information you or they provide. As such, we are not responsible for its accuracy or your reliance on such information.
If you believe any information displayed by us may be incorrect, please let us know as soon as possible by contacting [email protected]. As mentioned above, some of the information we display is based on your credit report provided by third party credit reference agencies and we don’t have the ability to change this. Therefore, if you believe anything regarding your financial information is incorrect, please contact the credit reference agencies directly (click here for details).
We do not guarantee that:
9. Intellectual Property Rights
We, or our licensors, own all intellectual property rights in our website, apps and the material published on them. All of the content on our website and apps is subject to copyright with all rights reserved.
All images, trade marks and brands displayed on our website or apps are protected by intellectual property laws and may not be reproduced or appropriated in any manner without permission of their respective owners.
You must not:
You may download, print or screen grab content from our website or apps for your personal use and information only, provided that you adhere to the restrictions noted above. You further acknowledge and agree that you:
By submitting the Content, you confirm and agree that the owner of that Content has expressly agreed that, without any particular time limit, and without the payment of any fees, we may use the Content for the purposes set out in these terms and conditions.
11. Limitation of our liability
Please read this section 11 carefully, as some of the terms exclude or limit our liability for any losses suffered by you in connection with your use of our services.
Nothing in these terms and conditions limits our liability for:
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our website and apps, any content on them or services accessed through our website or apps, whether express or implied.
We will not be liable to you or any third party 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:
You agree that:
12. Legal status, term and termination of this agreement
This Agreement shall commence from the date you create your account on our website or apps and will continue for as long as you use our services or have an account on our website or apps (the Term).
We reserve the right to terminate this Agreement and your use of our services, website, apps or any products or services contained in or obtained through our website or apps at any time for any reason and with no liability to you.
If you no longer wish to receive our services, please email [email protected]
The headings used in these terms and conditions are for convenience only and shall not affect their interpretation.
In these terms and conditions, unless specified otherwise, use of the singular includes the plural, use of any gender is deemed to include every gender and any reference to a person includes a corporation, a partnership and any other body or entity, and vice versa.
Use of the words, includes or including or similar words or phrases means without limitation and the use of these or similar words or phrases shall not limit the meaning of the general words.
We shall not be liable for any delay or failure to provide our services or perform any obligation under these terms and conditions if the delay or failure is caused by circumstances beyond our reasonable control.
Nothing in these terms and conditions is intended to confer on any person any right to enforce any term of this Agreement which that person would not have had but for the Contracts (Rights of Third Parties) Act 1999.
Each of the provisions of these terms and conditions (or part of any provision) is severable. If any such provision is or becomes illegal, invalid or unenforceable in any respect under the law of any jurisdiction that shall not affect the legality, validity or enforceability of the other provisions of these terms and conditions. The provision itself shall apply with the minimum modifications necessary to make it legal, valid and enforceable.
Failure or delay by us in enforcing these terms and conditions shall not be a waiver of that or any other provision of these terms and conditions.
You may not assign any of your rights or obligations under this Agreement.
You agree that any notices and other communication may be given by us by email or posted on our website and this will comply with any legal requirement for such communications to be in writing. You also agree that any notice or other communication made in such manner will be deemed received by you 24 hours after email or posting.
14. Applicable law and disputes
This Agreement and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with English law and shall be subject to the exclusive jurisdiction of the English courts.
15. Contact us
We are here to help, so if you have any questions about, or feedback on our Terms or wish to make a complaint about our services, please get in touch with us by [email protected]. 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.
Our Acceptable Use 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 the actions listed below are unlawful. Where this is the case (or we believe it may be the case), we may disclose your identity, your activities and other information we hold about you to law enforcement agencies.
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:
You must not, and you must not allow another person to:
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.
When posting any communication or content on or via our website or app it must:
 OpenWrks are also part of the Blenheim Chalcot portfolio of companies.