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.
bigmo provides you with account information services as a registered agent of Plaid Financial Ltd (‘the
Services’) which is aa payment institution authorised by the Financial Conduct Authority under the Payment
Service Regulations 2017 (Firm Registration Number: 804718) for the provision of payment services.
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
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.
General
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 cannot guarantee the continuous, uninterrupted or error free operability of the Service. There
may be times when certain features, parts or content of the Website, or the entire Website, become
unavailable (whether on a scheduled or unscheduled basis) or are modified, suspended or withdrawn by us, in
our sole discretion. We will use our reasonable efforts to provide you notice when the Website and/or
Service is to be unavailable or when we are modifying, suspending or withdrawing the Services but in some
instances particularly where there is a security, or data breach threat or we are required by law, this may
not be possible. We will give you notice if we decide to terminate provision of the Services on any
Application or the Website.
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.
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.
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).
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.
