Terms and Conditions

These are the terms of supply for services available on https://bigmo.app/ ("Website"), The Website is operated by or on behalf of Big Picture Labs Ltd (‘bigmo, we, us and our’).
We are a limited company, registered in England. Our registered company number is 11607177, and our registered office is at International House, 24 Holborn Viaduct, London, England, EC1A 2BN.
Big Picture Labs Ltd 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 Big Picture Labs Ltd as its agent.
Your use of any of the services offered on the Website (‘the Services’) is subject to these Terms and Conditions and by signing up for or using any Service you agree to be bound by them (‘the Agreement’).
Your use of the Website and your clicking the acceptance of terms box below, confirms your understanding and acceptance of this Agreement and the Agreement shall be effective from that date.

The Data Controller for the personal data required to provide the Services, is Big Picture Labs Ltd and we are registered for the purposes of the Data Protection Act 2018, the General Data Protection Regulations and all other relevant data protection legislation (together the Legislation) with Information Commissioner’s Office Number ZA664006

You should print a copy of these terms for future reference. Use of your personal information submitted to us in as part of the provision of the Services is governed by our Privacy Policy and Cookies Policy. These terms were last updated January 2020.

Who are bigmo and what do we do?
bigmo stands for Big Moments. To allow you to reach your Big Moments in life, you may need big money and big momentum. bigmo aims to help you with these and allow you to strive to reach your financial goals. bigmo is based on research proven from the field of behavioural economics and game mechanics. By subscribing through our website, you could be eligible to participate in our monthly savings competition. For more details on how the monthly competition is structured and its terms and conditions refer here

Our services

We may provide you with any or all of the following services (jointly “the Services”) in accordance with these Terms:
1. The ability to access our website, apps and its contents
2. The ability to participate in our spending/saving challenge to earn bidz (our in-app virtual currencies) based on performance.
3. The ability to view and benefit from financial dashboards and spending insights.
4. Bigmo in app game elements that includes streaks, leaderboards, eligibility based participation in mini-games and auctions.

Paid Services Terms - BIGMO:
1. Access to paid services on the Bigmo app ("Paid Services") requires a subscription fee. You can choose between monthly or yearly recurring subscription plans (auto-renewing until canceled). All fees are payable in advance.
2. Subscription fees will be charged automatically at the start of each subscription period to your selected payment method. Bigmo reserves the right to increase fees at any time with reasonable notice. Upgraded or added services may result in adjustments to your billing date.
3. Your access to Paid Services is subject to your payment of the relevant subscription fee. In the event that we are unable to debit payment from you, we may suspend your access to the Paid for Service until payment is made.
4. Subscription Management: If you purchased your subscription through the Apple App Store or Google Play Store, your subscription is managed by that store directly. Bigmo does not have the ability to manage your subscription on your behalf, including initiating, canceling, or refunding your subscriptions.
For App Store purchases, you may manage your subscription or turn off auto-renewal by going to the Account Settings screen in the App Store app on your Apple device after purchase. You are responsible for canceling before the end of any trial periods to avoid being charged.
For Google Play purchases, you can manage your subscription or turn off auto-renewal by visiting the Play Store subscription page from your Android device or signing in to play.google.com from a web browser. You are responsible for canceling before the end of any trial periods to avoid being charged.
You should consult with the App Store or Play Store to determine if the price charged includes all applicable taxes and currency exchange settlements. You are solely responsible for paying such taxes or other charges.
6. Free Trials: From time to time, we, or third parties on our behalf, may offer trials of Paid for Services for a specified period without payment or with payment at a reduced rate. We reserve the right to determine eligibility for trials and withdraw or modify trials at any time without notice.
For App Store and Play Store free trials, you agree that the store may automatically begin charging your on-file payment method for the Paid Services on the first day following the end of the Trial Period on a monthly recurring basis, or another interval disclosed to you in advance.
7. Cancellations: You may cancel your subscription at any time, but you will retain access for the remainder of the current subscription period you have already paid for.
To cancel, go to your App Store or Play Store account settings and cancel auto-renewal or recurring payments. This will take effect at the end of your current monthly or yearly subscription period. Purchases made through App Store or Play Store are subject to App Store or Play Store’s cancellation policies.
Refund Policy: EXCEPT AS OTHERWISE STATED HEREIN OR REQUIRED BY APPLICABLE LAW, YOUR SUBSCRIPTION FEE IS NONREFUNDABLE. If you purchased through App Store or Play Store, your ability to receive a refund is governed by that third party’s policies and procedures.
8. Termination: We may terminate your subscription at our sole discretion without notice. If we terminate for reasons other than your violation of these Terms, any applicable law, or actions that harm Bigmo or another user, we will provide a prorated refund based on the amount of time remaining in your current subscription period. However, we have no obligation to provide refunds if termination is due to violations of law or harm caused by you. Upon termination, you may immediately lose access to content provided during your subscription.

Bigmo monthly savings challenge:

1. You enter a monthly spending and savings challenge using bidz as a token to enter. You will be credited with 500 bidz when you enter the first bigmo challenge.
2.During the duration of using the service, you could get rewarded with more bidz under these events:
    a. For certain in-app events such as visiting the streaks screen or the insights tab.
   b. You could earn certain amount of bidz, when you play the weekly mini-games.
    c. At the end of the monthly challenge based on your performance in the challenge, you could be credited with additional bidz.
    d. For maintaining your spending streak within the app.
    e. For referring friends, sharing our app and sharing user testimonials.
3. The value of bidz offered for the above rewards may change from time to time.
4. The bidz rewards criteria and the bidz offered may change from time to time.


1. Bidz are the in-app virtual currency used within bigmo.
2. Outside of bigmo, they have no real world monetary value and cannot be traded for money or money’s worth.
3. Where you have accumulated bidz, we may at any time review your activities in engaging with our Services, and at our absolute discretion, we may withhold or recover bidz if we suspect, or have reason to suspect you are using our Services illegally, fraudulently, or otherwise in breach of these Terms.
4. Additionally, we reserve the right to audit your bidz balance and any records relating to bidz without notice so as to check for compliance with these Terms and any other applicable rules, regulations or terms and conditions. During an audit, you may be unable to receive and/or redeem bidz and, if we discover a discrepancy in your balance/our records, your bidz balance may be amended following the conclusion of our audit.
5.In cases of dispute about the issue of bidz to you, we may require proof of you having fulfilled the criteria necessary to be issued with bidz and/or evidence of their issuance. Failure to provide such evidence within a reasonable time period of it being requested, or failing to provide evidence which satisfies us of the legitimate issuance of the relevant bidz, may result in us rejecting your complaint at our absolute discretion.
6.In cases where bigmo recognises unusually low spends in the linked accounts, the bidz offered will be reduced to 25% of the total value. In genuine cases, the user should contact bigmo support and offer the reason for unusual low spend. Bigmo team after investigation, under it's absolute discretion might consider exceptions and enable the app back to award bidz at the normal expected rate.
7. Bidz can be used for the below:
    a.Participating in monthly spending challenge, with a possibility to gain or lose bidz based on your performance.
    b.Participating in weekly auctions that will be made available from time to time.
8. Bidz are also used to measure financial resilience and is used to rank users on the leaderboard.
9. You gain bidz when you do some positive actions listed above.
10. You lose bidz when you
    a. Under perform in your spending challenge.
    b. Use bidz to participate in auctions and eventually win a reward.

Bigmo Auctions:

Bigmo conducts auctions from time to time within the app and is a way for users of bigmo to use the bidz balance they have earned, to place a bid for some prizes and eventually win a reward.
1. Participation in auctions is not mandatory.
2. If participating in an auction, a user should place a bid for the relevant product(the prize), between the start date and end date of the auction to be considered. In case of an existing bid for the product, the user should place a higher bid than the existing bid, to ensure that they are the top bidder for the product.
3. The user that places the maximum bid before the end date and time of the auction is declared the winner. The winner will still have to claim the prize by submitting their email address to deliver the e-gift vouchers. Failure to submit the email address will result in cancellation of the prize and winning for that auction.
4. After winning a auction, a user can't participate in any auctions for a period of two weeks following the winning.
5. Any questions related to e-gift voucher delivered should be dealt with bigmo's team within 2 days of receipt of the gift voucher.
6. Any prizes won during the auction could take between 1-5 working days to get delivered.
7. In case of unavailability of prizes, bigmo would deliver a prize of equivalent value.

Bigmo Magic Money cube:

As part of maintaining your weekly spending discipline, you’ll be eligible to participate in the weekly magic cube game.
1. The magic cube game is a test of memory game with a possibility to earn bidz or cash or cash equivalent. As part of the game play, you could earn nothing.
2. Bigmo makes no assurances or guarantees for the availability of prizes including cash or cash equivalent for any instance of game play.
3. In cases of dispute about the issue of rewards to you, we may require proof of you having fulfilled the criteria necessary to be issued with rewards and/or evidence of their issuance. Failure to provide such evidence within a reasonable time period of it being requested, or failing to provide evidence which satisfies us of the legitimate issuance of the relevant rewards, may result in us rejecting your complaint at our absolute discretion.
4. The value of rewards offered is solely at the discretion of Bigmo and change from month to month.
5. The game or game elements or rewards can be changed without consent solely at the discretion of Bigmo.

How to Contact Us?

The team at bigmo are keen to hear from you. You can contact us through the bigmo app or contact us by email at customerfirst@bigpicturelabs.co.uk

How to make a Complaint?

Please submit any questions you have about these Terms and Conditions, or any complaint or concern in relation to any of our Services by email to customerfirst@bigpicturelabs.co.uk. Any complaints related to the provision of Account Information services should be sent directly to Plaid using regulatory@plaid.com. Any complaints regarding our Services will be dealt with in accordance with our complaints handling procedures, a summary of which can be requested from us by email. If we do not resolve your complaint to your satisfaction, you may be able to refer it to the Financial Ombudsman Service (FOS). The FOS is an organisation set up by law to give consumers a free and independent service for resolving disputes with financial institutions and regulated firms. The FOS can be contacted by post at Exchange Tower, London E14 9SR, by telephone on 0800 023 4567, or by email at complaint.info@financial-ombudsman.org.uk. Further information on how to refer a complaint to the FOS and whether you are eligible to do so can be found at financial-ombudsman.org.uk.

How we will Contact you?

We shall contact you through the bigmo app or through your phone number or email address. We will always confirm an appointment through email before calling you.


By using our website you agree to the following:

a. You may not transfer or assign any or all of your rights or obligations under this Agreement.

b. All notices given by you to us must be given in writing to the address set out at the end of these terms. We may give notice to you at the email address you provide to us when signing up for an account. All notices and information we provide to you shall be in English.

c. If we fail to enforce any of our rights, that does not result in a waiver of that right.

d. If any provision of these terms is found to be unenforceable, all other provisions shall remain unaffected.

e. These terms may not be varied except with our express written consent.

f. These terms and any document expressly referred to in them represent the entire agreement between you and us in relation to the subject matter of this Agreement.

g. These terms shall be governed by English law, except that if you live in Scotland or Northern Ireland, there may be certain mandatory applicable laws of your country which apply for your benefit and protection in addition to or instead of certain provisions of English law.

h. Additional Terms. In conjunction with your access or use of the Services, you may be subject to additional terms, rules, policies, our Privacy and Cookie Policy, and other conditions or information which may be posted on the Website, including, but not limited to, terms and conditions for our referral or rewards programs (the “Additional Terms”), which are hereby incorporated by reference into this Agreement.

In the event of a conflict between any Additional Terms and this Agreement the terms of this Agreement will take precedence.

For Additional Terms specific to the competition refer here

Username and Password

Upon registration for an account with us, you will be asked to set up a username and personalised security credentials to access your account. You must take all reasonable precautions to keep your username and personalised security credentials confidential and secure at all times. For example, you should not write down your personalised security credentials and you must take care that you are not seen or overheard when using them. You are the only authorised user of your account and, accordingly, you must not disclose your username or personalised security credentials to anyone else.

You are responsible for all activities on the Website that occur using your username and personalised security credentials and you must contact us immediately if you discover or suspect any unauthorised use of your bigmo account or error in the operation of your username and/or personalised security credentials (see Contacting us and complaints). If you discover or suspect any unauthorised use of a payment or financial account linked to your bigmo account, you should immediately notify the provider of that account.

We may, from time to time, with or without prior notice, temporarily suspend the operation of any Service if we believe there has been unauthorised access to your bigmo account or we suspect it is being used to gain unauthorised access to any payment or financial account linked to the Services.

In the event we become aware of any major operational or security incident affecting the Services which could have an adverse impact on your financial interests, we are required to notify you of the incident and measures you can take to mitigate the impact.

Accessing your Linked Account

a. a. Linked account refers to the payment account that you need to link with bigmo to help us understand your financial position at the time of registration and on-going basis. bigmo expects all payment accounts to be linked to enable its users to fulfil their goals.

b. To use the Service, you must first login to your payment account operated by the ASPSP and give your explicit consent for Plaid Financial Ltd(Trusted Partner) , a payment institution authorised by the Financial Conduct Authority under the Payment Service Regulations 2017 (Firm Reference Number: 804718) for the provision of payment services, to access your account information. Our Trusted Partner will then automatically download transactional information relating to your Personal Account(s), depending on your consent and continue to do so at certain times until you withdraw your consent for it to do so.

c. c. You grant to us and our Trusted Partner a non-exclusive, royalty-free licence to use the information in your Personal Account(s) for all purposes connected with the Service or referred to in these Terms and Conditions and/or our Privacy Policy, with the right to use, modify, display, distribute and create new material using or incorporating such information to provide the Service to you. However such use shall be limited in accordance with section 70 of the PSRs. We and our Trusted Partner , may also use aggregated, non-personally identifiable information that is derived through your use of the Service. By agreeing to use of our Services, you agree (without the payment of any fees), that we and our Trusted Partner may use the information for the purposes set in this clause.

d. You are permitted to use content delivered to you through the Service only on our Website or App. You may not copy, reproduce, distribute, or create derivative works from this content.

e. By providing your account details to our Trusted Partner, you agree and grant our Trusted Partners permission to aggregate and anonymise your personal data, which may then be stored outside of your own country to the extent permitted by applicable law.

f. You agree that when we retrieve your information relating to your Personal Accounts or your information required as part of the provision of the Service, we are doing so as your representative and on your behalf and not on behalf of or in the name of any third party.

g. You agree that we will be entitled to disclose your identity and information relating to your Personal Account(s) to third parties if we are required to do so by any applicable law or court order.

h. We do not check the accuracy of the Personal Accounts information and personal information you provide to us and we rely on you and your Personal Account providers to ensure that the Personal Accounts information and personal information you provide to us is up to date and accurate.

i. By using the Service, you represent that you are the legal owner of the data in your Personal Accounts and that you have the authority to appoint, and do expressly appoint, our Trusted Partners and/or its third party providers as your agent and grant a limited power of attorney to access and retrieve such data on your behalf.

j. For our compliance purposes and in order to provide the Service to you, you hereby authorise us to, directly or through a third-party, obtain, verify, and record information and documentation that helps us verify your identity and Personal Account information. When you register for the Service and from time to time thereafter, we may require you to provide and/or confirm information and documentation that will allow us to identify you for security purposes.

k. You agree that our third-party services providers are third- party beneficiaries of the applicable provisions of these Terms and Conditions, with all rights to enforce such provisions as if such service providers were a party to these Terms and Conditions.

Intellectual property rights

All intellectual property rights in any content of the Services and the Website (including text, graphics, software, photographs and other images, videos, sound, trade marks and logos) are owned by us or our licensors. Except as expressly set out here, nothing in these terms gives you any rights in respect of any intellectual property owned by us or our licensors and you acknowledge that you do not acquire any ownership rights by downloading content from the Website. In the event you print off, copy or store pages from the Website (only as permitted by these terms), you must ensure that any copyright, trade mark or other intellectual property right notices contained in the original content are reproduced.

Service features and content

In all cases, information available through the Services is not intended to amount to authority or advice on which reliance should be placed. You should check with us or the relevant information source before acting on any such information.

To the fullest extent permitted by law, we make no promises, pledges or representations about the Services and/or the Website and we accept no liability for any loss or damage of any kind incurred as a result of you or anyone else using the Services and/or Website or relying on any content available through the Services.

We cannot and do not guarantee that any content provided as part of the Services will be free from viruses and/or other code that may have contaminating or destructive elements. It is your responsibility to implement appropriate IT security safeguards (including anti-virus and other security checks) to satisfy your particular requirements as to the safety and reliability of content.

External links

The Services may, from time to time, include links to external sites, which may include links to third party offers and promotions. We include these to provide you with access to information, products or services that you may find useful or interesting. We are not responsible for the content of these sites or for anything provided by them and do not guarantee that they will be continuously available. The fact that we include links to such external sites does not imply any endorsement of, or association with, their operators or promoters.

What you are not allowed to do on our Website?

Except to the extent expressly set out in these terms, you are not allowed to: 'scrape' content or store content of the Website on a server or other storage device connected to a network or create an electronic database by systematically downloading and storing all of the content of the Website; remove or change any content of the Website or attempt to circumvent security or interfere with the proper working of the Website or the servers on which it is hosted; or create links to the Website from any other website, without our prior written consent, although you may link from a website that is operated by you provided the link is not misleading or deceptive and fairly indicates its destination, you do not imply that we endorse you, your website, or any products or services you offer, you link to (and do not frame or replicate) the home page of the Website, and the linked website does not contain any content that is unlawful, threatening, abusive, defamatory, pornographic, obscene, vulgar, indecent, offensive or which infringes on the intellectual property rights or other rights of any third party.

You must only use the Services and anything available from the Website for lawful purposes (complying with all applicable laws and regulations), in a responsible manner, and not in a way that might damage our name or reputation or that of any of our affiliates.

All rights granted to you under these terms will terminate immediately in the event that you are in breach of any of them.

Access to the Services

We may, from time to time, restrict access to certain features, parts or content of the Services, or even all the Services, to users who have registered with us. In particular, we reserve the right to disable your Website account, at any time, if in our opinion you have failed to comply with any of the provisions of these terms or if any details you provide for the purposes of registering as a user prove to be false.

We do not guarantee that our Services will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Services(bigmo app/website) for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal but are not required to do so.

Our liability

Nothing in these terms shall limit or exclude our liability to you: for death or personal injury caused by our negligence; for any promise made by us to you fraudulently; for breach of any term implied by the Consumer Rights Act 2015 and which, by law, may not be limited or excluded; or for any other liability that, by law, may not be limited or excluded. We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations that is caused by events outside our reasonable control.

You agrees to indemnify and hold bigmo, and its affiliates and subsidiaries, and our and their respective officers, directors, agents, and employees, harmless from any claim or demand, including reasonable legal fees, made by any third party due to or arising out of your breach of these Terms and Conditions or the documents they may incorporate by reference, your improper use of the Website, sites, services tools or applications, and/or your violation of any law or the rights of any third party or use of the Website generally.

No Warranty

bigmo, its officers, directors, employees and suppliers provide this Website and the Services without any warranty or condition express, implied or statutory and disclaim any warranties or implied warranties of title, merchantability, fitness for a particular purpose and non-infringement regarding any of the properties or information on this Website or Bigmo mobile application. bigmo do not represent or warrant that the Services are virus or bug-free or that they are accurate, complete, reliable, current or error-free, meet your requirements, or that defects in the services will be corrected.

Limitation of Liability

In no event shall bigmo its officers, directors, employees or its suppliers be liable for lost profits or any special, incidental or consequential loss or damages arising out of or in connection with this Website, the provision of the Services, howsoever arising including negligence.

Service suspension and termination

We may, from time to time, with or without prior notice, temporarily suspend the operation of any Service and/or the Website (in whole or in part) for repair or maintenance work or in order to update or upgrade any contents, features or functionality.

We do not guarantee that our Services will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Services(bigmo app/website) for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal but are not required to do so.

These terms will continue to apply until terminated by either party. We may, with or without prior notice, terminate the Agreement or suspend and/or terminate any Service and/or your use of your account in the event that you have breached any of these terms.

If you have breached these terms, we may take such action as we deem appropriate. Such a breach by you may result in our taking, with or without notice, all or any of the following actions: issue of a warning to you; immediate, temporary or permanent withdrawal of your right to use any Service; legal proceedings against you for reimbursement of all recoverable loss and damage resulting from the breach; and/or disclosure of all relevant information to law enforcement authorities as we reasonably feel is necessary.

The responses described above are not limited, and we may take any other action we deem appropriate.

Upon termination of the Agreement,Service or your account, for any reason: all rights granted to you under these terms will immediately cease; we will delete any information we hold regarding your Linked Accounts (payment accounts that are linked with bigmo); and you must promptly discontinue all use of the Service.

You may terminate your account at any time, but you must notify us if you wish to do so (see Contacting us).

On termination of your account(by you or us), we will no longer be obliged to provide you with the services and you will cease to be able to access your account. Upon termination, any bidz you held immediately prior to termination shall be cancelled and will not be capable of being redeemed.

Changes to the Service and terms

As it is our policy to continually review and update our Service offerings, we reserve the right to make changes to any Service and/or to these terms from time to time. We will always give you as much notice as we reasonably can of such significant changes.