18th March 2026

1.1 These Terms of Use (“Terms”) are a legally binding agreement between you and Monix Technology Limited, trading as “Pipin” (“Pipin”, “we”, “us”, or “our”), a company registered in England and Wales under company number 14199523 with its registered office at 3rd Floor, 86–90 Paul Street, London, EC2A 4NE.

1.2 These Terms govern your use of the Pipin mobile and web applications, related websites, and any services we provide in connection with them (together, the “Service”).

1.3 The Service is designed for individual consumer users, not for businesses, professional advisers, or institutional use. If you wish to use Pipin in a business or professional capacity, you must contact us to agree separate terms.

1.4 By creating a Pipin account, accessing or using the Service, or clicking to accept these Terms, you agree to be bound by them. If you do not agree to these Terms, you must not create an account or use the Service.

1.5 Our Privacy Policy explains how we collect, use, share, and protect personal data as the data controller under UK data protection law. You must read the Privacy Policy carefully before using Pipin so you understand how we handle your personal data. By using the Service, you acknowledge that we will process your personal data as described in the Privacy Policy. Where we rely on consent (for example, for marketing), we will obtain it separately in line with that policy.

1.6 Other documents and policies may also apply to you, including:

• open banking and account connectivity terms provided by Yapily Connect Ltd (“Yapily”) when you connect your financial accounts;

• app store terms and conditions (Apple App Store or Google Play) when you download or pay for the Pipin app; and

• any additional terms that we present to you for specific features, trials, beta programmes, or promotions.

If those terms conflict with these Terms, the other terms will govern the specific feature or channel where the conflict arises.

2.1 Pipin is a UK based personal finance information service. We are not a bank, lender, investment firm, payment institution, e money issuer, or authorised financial adviser.

2.2 Pipin itself is not authorised by the Financial Conduct Authority (“FCA”) under the Financial Services and Markets Act 2000 or the Payment Services Regulations 2017. We do not provide payment services and we do not initiate or execute payments.

2.3 Pipin does not provide regulated financial advice, investment advice, tax advice, credit advice, or debt counselling. Any information, tools, scores, or insights we provide are intended to support financial organisation and understanding only and do not constitute a personal recommendation or advice about any product, service, or course of action.

2.4 We provide access to account information services (“AIS”) as an agent of Yapily Connect Ltd (“Yapily”), which is authorised and regulated by the FCA to provide AIS. AIS is a regulated payment service. Yapily’s firm details, including its FCA registration number, are provided in its own end user terms and on the FCA Register.

2.5 When you connect a financial account to Pipin, you do so through open banking consent flows that are operated and governed by Yapily’s end user terms and privacy notices. Those terms explain how financial data is accessed from your bank and made available to us.

2.6 We do not ask for, receive, or store your online banking login credentials. You must never provide those credentials to Pipin or enter them into any part of the Pipin app or website.

2.7 Yapily is responsible for delivering regulated AIS and for its own regulatory obligations. Your bank remains responsible for your accounts and for handling unauthorised transactions in accordance with your bank’s terms and applicable law. Pipin is responsible for the non-regulated aspects of the Service and for acting in line with our Consumer Duty Policy to support good customer outcomes.

2.8 You can revoke access to your financial data at any time through your bank, through Yapily’s consent management (where provided), and through the controls we make available. Revoking consent will limit or disable certain Service features.

3.1 You may only use the Service if:

• you are at least 16 years old;

• you are an individual consumer using the Service for your own personal, non-business purposes; and

• you are resident in the United Kingdom and connecting UK accounts (unless we explicitly state that other countries or accounts are supported).

3.2 You must have the legal capacity to enter into these Terms and must not use the Service on behalf of anyone else unless you are legally authorised to do so.

3.3 The Service is designed for UK users. You may access the Service while temporarily abroad, but it may not be appropriate or lawful under other local laws. We may restrict access from certain countries or regions for legal, regulatory, or operational reasons.

3.4 If you consider yourself a vulnerable customer or need additional support to understand or use Pipin, you should contact us. We will take reasonable steps to provide additional support in line with our Consumer Duty Policy.

4.1 To use Pipin, you must create an account using a valid email address, valid UK phone number and a secure password. You must provide accurate, current, and complete information and keep it up to date.

4.2 You are responsible for safeguarding your account credentials and any devices used to access Pipin. You must:

• keep your password secret and unique;

• enable and maintain multi factor authentication where we offer it;

• secure your device with a passcode, biometric security, or equivalent; and

• log out or secure your device when not in use.

4.3 You must never share your online banking login credentials with Pipin or enter them into the Pipin app or website. Bank login details must only be entered into the secure environment provided by Yapily or your bank when you are explicitly connecting accounts.

4.4 You must tell us as soon as reasonably possible if you believe your Pipin account, device, or credentials have been compromised or used without your permission, or if you suspect any unauthorised access. You can contact us using the in-app support options or the contact details in our Privacy Policy or on our website. We will investigate and take appropriate steps in line with our Incident and Breach Management Policy.

4.5 We reserve the right to refuse, suspend, or cancel an account where we reasonably believe that:

• the information you have provided is false, incomplete, or misleading;

• your use of the Service breaches these Terms or applicable law; or

• there is a risk of fraud, misuse, or security compromise.

We will act reasonably and proportionately when exercising these rights and will normally explain our reasons unless doing so would be unlawful or compromise security.

5.1 Pipin is a personal finance assistant. Depending on the features available and your choices, Pipin may allow you to:

• connect eligible bank accounts and financial accounts using open banking via Yapily;

• view balances, transactions, and summaries of your connected accounts;

• create budgets, envelopes, and categories;

• track bills, subscriptions, and other regular payments;

• record money owed to you or by you;

• set goals, savings targets, and track progress;

• receive automated insights, nudges, and alerts based on your financial data and behaviour;

• view a proprietary “Pipin Health Score” or similar score derived from your data; and

• manually enter financial data if you choose.

5.2 Pipin may use rules-based logic, data analysis, and machine assisted pattern recognition to generate insights and scores over time. These are designed to help you organise and understand your finances, not to provide advice or instructions. We do not use automated decision making that produces legal effects or similarly significant effects for you, as explained in our Privacy Policy.

5.3 Some features require one or more connected accounts and will not function, or will function in a reduced way, if you do not connect any accounts or if you revoke access. You may use Pipin with only manually entered data, but the experience and automation will be significantly reduced.

5.4 We may update, add, or remove features from time to time to improve the Service, manage risk, or reflect changes in technology, regulation, or our business. Where a change materially affects how you use the Service or what you pay, we will explain it in plain language and, where practical, give you advance notice in line with our Consumer Duty Policy.

6.1 Although Pipin is not itself an FCA authorised firm, we align our approach with the principles of the FCA Consumer Duty to support good customer outcomes.

6.2 We aim to ensure that:

• you can understand what the Service does and does not do;

• key information that could affect your decisions is presented at the point it matters;

• we do not rely on pressure, confusion, or omission of material information to drive engagement or revenue; and

• we avoid foreseeable harm and act proportionately to address issues that could cause harm.

6.3 Our internal Consumer Duty Policy guides how we design features, onboard and communicate with users, handle complaints, and make changes to the Service. These Terms should be read alongside that commitment.

7.1 As explained in section 2 (Regulatory status), Pipin does not provide regulated financial advice, investment advice, tax advice, credit advice, or debt counselling.

7.2 All information, insights, forecasts, and scores provided by Pipin are for general information and educational purposes only. They are not tailored to your personal circumstances in the way a regulated adviser or planner would do, and they must not be relied on as the sole basis for making financial, investment, tax, credit, or other decisions.

7.3 Pipin does not:

• recommend or advise on specific financial products, providers, or actions;

• assess the suitability or appropriateness of any product, service, or decision for you;

• assess your creditworthiness or affordability; or

• make decisions or instructions on your behalf.

7.4 Any mention of third party products, services, or providers in Pipin (including comparisons, listings, editorial content, or illustrations) is general information only and does not constitute a recommendation or endorsement. Where we have a commercial arrangement or may receive a commission, this does not override our commitment to fair treatment and good outcomes. We do not promote products solely because they pay higher commission.

7.5 Even where an insight may look like a suggestion or “tip”, it is information only and is not a recommendation. You are solely responsible for your financial decisions and should obtain independent professional advice where you are unsure or where a decision could have significant consequences.

8.1 When you connect a financial account, we receive read only data from that account through Yapily. This may include account details, balances, transactions, merchant information, and related metadata.

8.2 We rely on your banks, card providers, and Yapily to provide data. We do not control their systems and do not verify or audit the underlying data. As a result:

• account information may be delayed, incomplete, or inaccurate;

• balances may not reflect real time information;

• transactions may appear later than they occur; and

• categorisation or identification of regular payments may be incomplete or incorrect.

8.3 Data quality and completeness affect the accuracy and usefulness of insights, forecasts, and scores. Where data is incomplete, delayed, or manual, outputs may be less reliable.

8.4 You are responsible for checking important information directly with your bank or provider before acting on it. Pipin is not a substitute for your official bank statements, account information, or contractual documentation with your providers.

8.5 We also process information that you enter manually or that you tag or adjust in Pipin (for example, adding notes, changing categories, entering cash payments, or recording money owed). You are solely responsible for the accuracy and completeness of this information.

8.6 Forward looking views, such as predicted balances, bill forecasts, cash flow projections, and similar outputs, are estimates only and may be wrong. They are based on assumptions, patterns in your historical data, and other factors that may change without notice.

8.7 Pipin does not monitor your accounts for fraud, unauthorised transactions, or unusual activity and does not guarantee that any such activity will be flagged or detected. Your bank remains responsible for handling unauthorised transactions in line with its terms and applicable law.

9.1 Pipin may provide automated insights, nudges, and notifications about your spending, bills, subscriptions, goals, and other financial behaviour. These are designed to help you reflect on your finances, not to instruct you.

9.2 Notifications are not guaranteed. They may be delayed, not delivered, or not displayed properly due to device settings, connectivity issues, third party platforms, or other factors beyond our control. You must not rely on Pipin notifications as your only method of remembering or managing bills, payments, or important financial dates.

9.3 The “Pipin Health Score” and any similar score or rating are proprietary indicators derived from your financial data and behaviour. They are intended to help you understand patterns and trends and are not a credit score, affordability assessment, or guarantee of future outcomes.

9.4 You must not use or present the Pipin Health Score or any Pipin output:

• as proof of your creditworthiness, affordability, or financial status to any lender, landlord, employer, or other third party; or

• in any misleading or fraudulent way, including to obtain credit, accommodation, or services on a false basis.

9.5 You may share screenshots or information from Pipin for your own purposes, but you do so at your own risk. We are not responsible for how others interpret or use information that you choose to share, and we are not liable for any loss or harm arising from such sharing. If you share screenshots, you should consider carefully what information they reveal (for example, merchants, dates, recurring payments).

9.6 Our models, rules, and scoring methods may change or be updated over time. We may adjust or withdraw insights or scores at our discretion.

10.1 You must use Pipin only for lawful purposes and in accordance with these Terms. You must not:

• use the Service in any way that breaches applicable law or regulation;

• use the Service for any business, professional, or commercial purpose without our prior written consent;

• attempt to gain unauthorised access to the Service, other accounts, or underlying systems;

• attempt to circumvent security or technical controls;

• use the Service to support fraud, money laundering, or other financial crime, including by misrepresenting your finances with screenshots or outputs from Pipin;

• copy, modify, reverse engineer, decompile, or disassemble any part of the Service except to the extent allowed by law;

• use bots, scripts, or automated means to access or interact with the Service outside what we explicitly permit; or

• misuse the Service in a way that could harm us, other users, or our partners.

10.2 You must only connect accounts that you are legally entitled to access and whose data you are allowed to share with us. Where you connect joint accounts or accounts that involve another person, you are responsible for ensuring that you have appropriate permission to share and view that information.

10.3 We may monitor use of the Service to detect misuse, security issues, fraud, or breaches of these Terms in line with our Information Security, Incident and Breach Management, and AML policies. We may report suspected misuse, fraud, or financial crime to relevant authorities, your bank, Yapily, or other impacted parties where appropriate and lawful.

11.1 Access to Pipin is provided on a subscription basis (“Subscription”). We may offer:

• a beta phase where access is free; and/or

• a time limited free trial (for example, 30 days) after which the Subscription becomes chargeable unless you cancel before the end of the trial.

11.2 The specific Subscription fees, trial duration, and payment terms will be presented to you in the app store or in app at the point of sign up. Prices include any applicable UK taxes unless otherwise stated.

11.3 Before you start a free trial that converts into a paid Subscription, we will clearly explain:

• the length of the trial;

• the Subscription price and billing period after the trial; and

• that the Subscription will start and you will be charged automatically at the end of the trial unless you cancel in time.

11.4 Unless we state otherwise, Subscriptions:

• are billed via the relevant app store (Apple App Store or Google Play) using the payment methods you have set up with that store; and

• renew automatically at the end of each billing period unless you cancel in accordance with the app store’s cancellation process.

11.5 If you do not cancel your trial before it ends, your Subscription will convert to a paid Subscription, and the applicable fee will be charged automatically. If you cancel during the trial, access to the Service may end immediately.

11.6 We may offer additional paid features, such as the generation of certain reports, on a pay per use basis. These may be billed through a third party payment provider (for example, Stripe) and will be clearly priced at the point of purchase.

11.7 We may change our fees or introduce new fees from time to time for legitimate reasons, such as to reflect increased costs, new features, or changes in the market. Any fee changes will not apply to a current billing period that you have already paid for. We will give you reasonable advance notice (normally at least 30 days) of fee changes that affect you. If you do not agree to a fee change, you may cancel before it takes effect.

11.8 You may have statutory cooling off rights when you first purchase a Subscription. Where applicable, we will explain how these rights apply as part of the app store or payment flow. If you choose to access the full Service immediately, you may lose some or all of your cooling off rights once the digital content is fully supplied.

11.9 Except as required by law or as we expressly state otherwise, Subscription fees and per use charges are non refundable once charged. This does not affect your statutory rights, including any rights where digital services are not as described or not provided with reasonable care and skill.

12.1 We aim to provide a reliable Service, but we do not guarantee that Pipin will be available at all times or free from errors, interruptions, or delays. The Service may be unavailable or limited due to maintenance, upgrades, technical issues, actions by third party providers, or circumstances beyond our reasonable control.

12.2 We may offer beta, experimental, or early access features from time to time. These features may:

• be incomplete, unstable, or subject to change;

• have a higher risk of errors or data issues; and

• be withdrawn at any time.

• We may identify such features as “beta”, “experimental”, “preview”, or similar. You should not rely on them for critical financial decisions.

12.3 We may change, suspend, or discontinue any part of the Service (including specific features) at any time for legitimate reasons, such as improving the Service, addressing security, operational, or regulatory issues, or responding to market changes. Where a change materially affects you, we will provide notice where reasonably possible and in a way that is clear and accessible.

12.4 If we remove a feature, we may archive or delete associated data in line with our Data Retention and Deletion Policy. Where removal of a feature has a material effect on your use of Pipin, we will explain the impact and, where practical, provide guidance on exporting or preserving important records.

12.5 If we decide to discontinue the Service entirely, we will give you as much advance notice as reasonably practicable, taking account of operational and legal constraints. Where you have paid for a Subscription period that extends beyond the discontinuation date and you are not in breach of these Terms, we will refund any unused portion of that period.

13.1 You may stop using Pipin at any time. You may also close your account by following the in app instructions or contacting us using the details in our Privacy Policy.

13.2 Closing your Pipin account will normally:

• disconnect or disable your connected financial accounts; and

• remove or anonymise your personal data over time in line with our Data Retention and Deletion Policy and Privacy Policy.

13.3 Before closing your account, you should ensure that you have exported or otherwise retained any information that you need. We may not be able to recover your data once it is deleted or anonymised.

13.4 If you have an active Subscription, you may need to cancel it separately via the relevant app store or payment provider to avoid future charges. Deleting the app or closing your Pipin account does not automatically cancel an app store Subscription.

13.5 Where you have purchased a Subscription or per use feature, your right to any refund will be determined in accordance with these Terms, app store rules, and applicable consumer law.

14.1 We may suspend or terminate your access to the Service, or specific features, with or without notice where we reasonably believe that:

• you have materially breached these Terms;

• your account is being used in a way that may cause harm to you, us, other users, our partners, or third parties;

• there is suspected fraud, financial crime, or misuse;

• your use poses a security or operational risk; or

• we are required to do so by law, a court, a regulator, an app store, Yapily, or a bank.

14.2 We will act reasonably and proportionately when exercising these rights and, where appropriate, provide you with information about the reason for suspension or termination and any steps you can take, unless doing so would be unlawful or compromise security.

14.3 We may terminate these Terms and your access to the Service on reasonable notice where we decide to discontinue all or part of the Service or materially change our business in line with clause 12.5.

14.4 On termination for any reason:

• your right to use the Service ends immediately;

• we may delete, anonymise, or retain your data in line with our Privacy Policy and Data Retention and Deletion Policy;

• any provisions of these Terms that should reasonably continue to apply (including intellectual property, liability, and dispute provisions) will continue after termination; and

• if we terminate for reasons not related to your breach, we will refund any unused portion of pre paid Subscription fees for the period after termination.

15.1 Pipin, including all software, technology, content, designs, logos, trade marks, models, scoring methods, and other materials, is owned by us or our licensors and is protected by intellectual property laws.

15.2 We grant you a limited, revocable, non exclusive, non transferable licence to use the Service for your own personal, non commercial purposes in accordance with these Terms and any app store rules.

15.3 You must not:

• copy, modify, adapt, or create derivative works from the Service or any part of it;

• remove, obscure, or alter any proprietary notices;

• use our trade marks, branding, or logos without our prior written consent; or

• use the Service to build a competing product or service.

15.4 You retain rights in the data and content you provide to us (including manually entered transactions, notes, and categories). You grant us a worldwide, non exclusive, royalty free licence to use, host, store, reproduce, modify, and display that content as necessary to operate and improve the Service, comply with law, and exercise or defend legal claims.

15.5 For your own personal, non commercial use, you may download or save a reasonable amount of Pipin content (such as articles or educational materials), provided you do not remove any proprietary notices and do not share or publish it in a way that infringes our rights.

15.6 We may create and use aggregated or anonymised data derived from your use of the Service (for example, to produce statistics, benchmarks, or market insights) provided that such data does not identify you. We may use such aggregated or anonymised data for research, analytics, reporting, or commercial purposes.

15.7 We do not sell identifiable personal data to third parties, and we do not share personal data for third party advertising or marketing.

16.1 We process personal data in accordance with our Privacy Policy, which explains:

• what personal data we collect;

• our purposes and lawful bases for processing;

• how we share, store, and protect personal data; and

• your rights under UK GDPR and the Data Protection Act 2018.

16.2 Some personal data is required in order for us to provide the Service (for example, to create and maintain your account and to connect financial accounts where you choose to do so). If you do not provide required information or withdraw permissions that are necessary for core features, we may be unable to provide some or all of the Service.

16.3 By using the Service, you acknowledge that we will process your personal data as described in the Privacy Policy. Where we rely on your consent (for example, for marketing communications), you can withdraw it at any time as explained in the Privacy Policy.

16.4 The Privacy Policy also explains:

• how we use Yapily and other processors to support the Service;

• how long we keep your data and how we delete or anonymise it; and

• how to exercise your data protection rights and how to complain to us or to the Information Commissioner’s Office.

16.5 These Terms do not limit your rights under data protection law and do not override the Privacy Policy.

17.1 If you are unhappy with the Service or believe we have not met our obligations, please contact us using the details in the app or in our Privacy Policy. We will handle complaints in line with our Complaints Handling Procedure, which aims to treat complaints fairly, consistently, and promptly.

17.2 We will normally acknowledge complaints within a short period and aim to provide a clear response within a reasonable time, taking into account the nature and complexity of the issue. Where a complaint cannot be resolved quickly, we will keep you updated on progress.

17.3 If you are unsure whether your complaint relates to AIS or other aspects of the Service, contact us first. We will help route it appropriately and, where necessary, liaise with Yapily on your behalf.

17.4 Complaints that relate to regulated AIS provided by Yapily (for example, how your bank data is accessed or transmitted) may need to be handled by Yapily under its regulatory complaints process. In those cases, and depending on the circumstances, you may be able to escalate your complaint to the Financial Ombudsman Service in accordance with Yapily’s terms and applicable rules.

17.5 For aspects of the Service that are not regulated financial services, the Financial Ombudsman Service may not be able to review your complaint. In those cases, your rights and remedies arise under these Terms and applicable consumer law, and disputes may ultimately be resolved by the courts of England and Wales.

18.1 We are responsible for:

• providing the Service with reasonable care and skill;

• describing the Service accurately in these Terms and in key customer facing materials; and

• complying with our legal obligations, including those under the Consumer Rights Act 2015 and applicable consumer protection law.

18.2 Nothing in these Terms excludes or limits liability that cannot be excluded or limited under law, including liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or your statutory rights as a consumer.

18.3 Subject to clause 18.2, Pipin will not be liable for:

• any loss arising from events outside our reasonable control;

• any loss or damage caused by your failure to comply with these Terms (for example, failing to keep your device secure or ignoring bank communications);

• any loss arising from the accuracy, completeness, or availability of data provided by your banks, Yapily, or other third parties;

• any indirect or consequential loss, including loss of profits, business, opportunity, or goodwill; or

• any loss or damage arising from your decisions or actions taken (or not taken) in reliance on information, insights, forecasts, or scores generated by Pipin, unless we have failed to take reasonable care and skill in presenting that information and it was reasonable for you to rely on it.

18.4 For users who pay Subscription fees, and to the fullest extent permitted by law, our total aggregate liability to you arising out of or in connection with the Service and these Terms (whether in contract, tort, or otherwise) in any 12 month period will be limited to the total Subscription fees you have paid to us in that 12 month period.

18.5 For users who have only used Pipin free of charge (including beta users and users within a free trial who have not yet been charged), and to the fullest extent permitted by law, our total aggregate liability to you arising out of or in connection with the Service and these Terms will be limited to £100.

18.6 Nothing in these Terms affects any refund or remedy to which you are entitled under applicable consumer law, including rights where digital content is not as described or not provided with reasonable care and skill.

18.7 Where we become aware that our error has clearly and directly caused you financial loss, we will consider this fairly and proportionately in line with our Complaints Handling Procedure and Consumer Duty Policy.

19.1 You are responsible for:

• how you use Pipin, including any decisions you make based on information we provide;

• providing accurate and complete information, particularly when you enter data manually; and

• ensuring that you have the right to share any data or content you connect or upload to Pipin.

19.2 To the extent permitted by law and to the extent such loss is caused by your actions, you agree to compensate us for any reasonable loss, damage, costs, or expenses we incur as a direct result of:

• your material breach of these Terms or of applicable law; or

• any claim by a third party that arises from your misuse of Pipin or your content (for example, where you use screenshots or outputs from Pipin to mislead a third party).

19.3 This clause is not intended to override your statutory rights or to impose an unfair burden on you. We will act reasonably and proportionately in enforcing it.

20.1 Pipin may include links to third party websites, content, or services. These are provided for convenience or information only. We do not control and are not responsible for those third party services, their content, terms, or privacy practices.

20.2 Any contract for third party products or services is between you and the relevant third party, not us. We are not responsible for any loss or damage arising from such contracts.

20.3 Where Pipin presents or references financial products, services, or content from third parties, this does not constitute advice or a recommendation, even where we may receive commission or referral fees. We will not prioritise higher commission over the quality or relevance of information we provide and will manage conflicts of interest in line with our Consumer Duty Policy.

21.1 We operate the Service in line with our Information Security Policy, Secure Development Standard, Incident and Breach Management Policy, and AML Policy, which set out controls for protecting the Service and users.

21.2 We may investigate activity on the Service where we reasonably suspect fraud, misuse, unauthorised access, or security incidents. This may involve reviewing logs, access records, and relevant data in line with our policies.

21.3 Where we suspect criminal activity, we may report it to relevant authorities, your bank, Yapily, or other impacted parties where appropriate and lawful.

21.4 If we believe it is necessary to protect you, other users, or the Service, we may suspend or restrict access to your account while we investigate, as described in clause 14.

21.5 If we become aware of a personal data breach involving your information, we will manage it in line with our Incident and Breach Management Policy and legal obligations, including notifying you and relevant regulators where required.

21.6 If we ask you to take security steps (such as resetting your password, enabling multi factor authentication, or updating the app), you should do so promptly to help protect your account.

22.1 Pipin is primarily designed for use by UK resident users with UK bank accounts. Features, assumptions, and insights may be based on UK financial products, terminology, and practices.

22.2 If you access the Service from outside the UK, you are responsible for ensuring that your use complies with local laws and any local tax or reporting requirements. We do not represent that the Service is appropriate or available in any jurisdiction other than the UK.

22.3 We may restrict or disable access from certain countries or regions for legal, regulatory, or operational reasons.

23.1 We may change these Terms from time to time for legitimate reasons, for example to:

• reflect changes to the Service or our business;

• respond to legal, regulatory, or security requirements; or

• make them clearer or more helpful.

23.2 When we make material changes, we will notify you by reasonable means (for example, in app or by email) and update the “Last updated” date above. For less significant changes that do not materially affect your rights or obligations, we may simply update the Terms in the app and on our website.

23.3 If you continue to use Pipin after the updated Terms take effect, you will be treated as having accepted them. If you do not agree to the updated Terms, you must stop using the Service and close your account. Where a change would unfairly disadvantage you, we will allow you to cancel any paid Subscription without penalty before the change takes effect.

23.4 We recommend you review these Terms periodically to stay informed about any changes.

24.1 We may communicate with you electronically via the app, email, or other digital channels. You agree that electronic communications and records have the same legal effect as paper documents, subject to applicable law.

24.2 We will communicate with you in English. You are responsible for keeping your contact details up to date and for checking your email and in app messages regularly for important information about the Service.

25.1 These Terms and any non contractual obligations arising from or in connection with them are governed by the laws of England and Wales. If you are a consumer resident in the UK, you may have rights to bring claims in the courts of your home jurisdiction.

25.2 The courts of England and Wales will have non exclusive jurisdiction in relation to any disputes arising from or in connection with these Terms.

25.3 Each clause of these Terms operates separately. If any clause (or part of a clause) is found by a court or regulator to be invalid, unlawful, or unenforceable, the remaining clauses will continue in full force and effect.

25.4 If we do not insist immediately that you do something you are required to do under these Terms, or if we delay in taking action against you in respect of a breach, that does not mean you do not have to do those things and it does not prevent us from taking action later.

25.5 You may not transfer or assign your rights or obligations under these Terms without our prior written consent. We may transfer our rights and obligations under these Terms to another organisation (for example, in connection with a merger or acquisition). If we do so, we will ensure that the new provider offers terms that are materially no less protective of your rights under these Terms and applicable law.

25.6 These Terms, together with the Privacy Policy and any additional terms we present to you, form the entire agreement between you and us in relation to the Service.