Effective Date: May 2025

1. Agreement to Terms

You agree that by clicking to accept the terms of these Terms of Use during the sign-up process and/or by accessing the Kletta Platform, you have read, understood, and agreed to be bound by these Terms of Use.
IF YOU DO NOT AGREE WITH ALL OF THESE TERMS OF USE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE KLETTA APP AND KLETTA PLATFORM AND YOU MUST DISCONTINUE USE IMMEDIATELY.
These Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”) and Kletta Limited (“Ketta”, “we”, “us”, or “our”), concerning your access to and use of Kletta App or Kletta Portal as well as any other media form, media channel, mobile web or mobile application related, linked, or otherwise connected thereto (collectively, the “Kletta Platform”).
These Terms of Use (or any provisions of these Terms of Use) may be supplemented or superseded from time to time by provisions or notices published elsewhere on the Kletta Platform or by the Enterprise-level Agreement. We reserve the right, in our sole discretion, to make changes or modifications to these Terms of Use from time to time. We will alert you about any material changes by either notifying you via the Kletta Platform or via email. You waive any right to receive specific notice of each such change. Please ensure that you check the applicable Terms of Use every time you use the Kletta Platform so that you understand which terms apply. You will be subject to and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms of Use by your continued use of the Kletta Platform after the date such revised Terms of Use are posted.

2. Intellectual Property Rights

You acknowledge that all intellectual property rights in the Kletta Platform throughout the world belong to us. You have no intellectual property rights in, or to, the Kletta Platform other than the right to use the Kletta Platform in accordance with the terms of these Terms of Use.

3. Your Representations

By using the Kletta Platform, you represent and warrant that:
a. you have the legal capacity and you agree to comply with these Terms of Use;
b. you are not under the age of 18;
c. you will not access the Kletta Platform through automated or non-human means, whether through a bot, script, or otherwise;
d. you will not use the Kletta Platform for any illegal or unauthorised purpose; and
e. any information you provide to Kletta Platform is true, accurate, current and complete.

4. Prohibited Activities

You may not access or use the Kletta Platform for any purpose other than that for which we make it available.
As a user of the Kletta Platform, you agree not to:
a. Systematically retrieve data or other content from the Kletta Platform to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
b. Trick, defraud, or mislead us and other users.
c. Do anything unlawful or fraudulent or that has any unlawful or fraudulent purpose or effect.
d. Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Kletta Platform.
e. Use any information obtained from the Kletta Platform in order to harass, abuse, or harm another person.
f. Make improper use of our support services or submit false reports of abuse or misconduct.
g. Use the Kletta Platform in a manner inconsistent with any applicable laws or regulations.
h. Engage in unauthorised framing of or linking to the Kletta Platform.
i. Delete the copyright or other proprietary rights notice from any content.
j. Interfere with, disrupt, or create an undue burden on the Kletta Platform or the networks or services connected to the Kletta Platform.
k. Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Kletta Platform to you.
l. Attempt to bypass any measures of the Kletta Platform designed to prevent or restrict access to the Kletta Platform, or any portion of the Kletta Platform.
m. Copy or adapt the Kletta Platform’s software.
n. Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Kletta Platform.
o. Except as may be the result of standard search engine or internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Kletta Platform, or using or launching any unauthorised script or other software.
p. Make any unauthorised use of the Kletta Platform, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretences.
q. Use the Kletta Platform as part of any effort to compete with us or otherwise use the Kletta Platform and/or the content for any revenue-generating endeavour or commercial enterprise.

5. Open Banking

Kletta Limited is an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number: 804718). Plaid provides you with regulated account information services through Kletta Limited as its agent.
Your use of open banking will also be governed by Plaid’s terms and conditions and Privacy Policy which can be found at https://plaid.com/legal/#consumers.

6. Privacy Policy

By accepting the terms of these Terms of Use, you agree that any personal information you provide to us may be held and used by us to provide our services and to provide you with access to the Kletta Platform.
For more information on our policies and practices relating to personal data, please see our Privacy Policy (LINK TO BE ADDED WHEN PUBLISHED).

7. Limitation of Liability

Nothing in these Terms of Use limits or excludes Kletta’s liability for:
a. death or personal injury caused by its negligence;
b. fraud or fraudulent misrepresentation; or
c. any other act, omission, or liability which may not be limited or excluded by applicable law.
Subject to the foregoing, Kletta shall not in any circumstances be liable to you whether in contract, tort (including for negligence), breach of statutory duty (howsoever arising), misrepresentation (whether innocent or negligent), restitution or otherwise.
Kletta expressly disclaims all implied warranties and conditions including warranties and conditions of satisfactory quality, fitness for a particular purpose and non-infringement relating to the Kletta Platform.

8. Suspension

We may suspend your access to the Kletta Platform should you fail to comply with your obligations under these Terms of Use or any applicable law.
If we suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name until approved by Kletta.

9. Governing Law & Jurisdiction

This agreement, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English and Welsh law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

10. Miscellaneous

a. These Terms of Use and any policies or operating rules posted by us on the Kletta Platform or in respect to the Kletta Platform constitute the entire agreement and understanding between you and us.
b. Our failure to exercise or enforce any right or provision of these Terms of Use shall not operate as a waiver of such right or provision. These Terms of Use operate to the fullest extent permissible by law.
c. We may assign any or all of our rights and obligations to others at any time. You may not assign any of your rights and obligations without our written consent.
d. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any event beyond our reasonable control.
e. If any provision or part of a provision of these Terms of Use is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms of Use and does not affect the validity and enforceability of any remaining provisions.
f. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Terms of Use or use of Kletta.

11. Contact Us

In order to resolve a complaint regarding Kletta or to receive further information regarding use of the Kletta Platform, please contact us at support@kletta.com.