Our Service Agreement

Last Updated: 11/02/2025

PARTIES

Hnry (UK) LIMITED, Company Number 14307093 (Hnry, us),
Prepay Technologies Limited (PPT, we)
Client (You)

AGREEMENT

Hnry and PPT agrees to provide, and the Client agrees to buy, Services on the terms of the Agreement. The agreement comprises:

▲ Section A - Agreement and Key Details.

▲ Section B - General Terms.

▲ Section C - Prepay Technologies Ltd (PPT) Terms and Conditions.

▲ Section D - Definitions.

SECTION A - AGREEMENT AND KEY DETAILS

Start date of the Agreement:

Our agreement with you begins from the day you complete the sign-up to the Hnry service using your email address, and you are provided with email confirmation from us to that effect and by using any of the services provided by us. Upon commencement of this Agreement, you consent to our processing of your personal data for service provision and legal compliance purposes in accordance with the General Data Protection Regulation (GDPR). For more information on how Hnry uses your personal data and how you can exercise your rights, please refer to our privacy policy.

End date of the Agreement:

This Service Agreement has no set end date and will terminate upon notice given by either party, as per Section B—Term and Termination and/or Section C—Termination or Suspension of this Service Agreement. Under the Consumer Rights Act 2015, you have the right to cancel the service by contacting Customer Services at any time and without providing any notice to us.

Services

PPT is not party to the services described within this section.

Invoicing:

Where requested, Hnry agrees to send invoices on behalf of you to a third party nominated by you based on a specific rate, costs, or effort incurred. You are responsible for ensuring the accuracy of all rates, costs, or efforts provided to Hnry for this purpose.
You agree that Hnry may issue invoices and invoice reminders as an agent for you.

Tax:

Hnry will estimate the appropriate rate of Income Tax, Value Added Tax (VAT), and deductions, where applicable, based on financial information provided by you.
You must provide comprehensive and accurate information about their income and expenses to ensure correct tax calculations. You consent to Hnry calculating estimated tax amounts from payments received into Hnry Accounts and remitting these to the appropriate authorities on their behalf. This consent includes an agreement to Hnry’s use of automated tools for calculation purposes.
Hnry will be responsible for calculating the VAT liability, if applicable, on behalf of you, for only the VAT income and expenditure that you make Hnry aware of.
You agree to provide all their income and expenditure information to Hnry throughout the financial year. By default, this should be achieved through you using an Hnry Account to receive all sources of business or self-employed (non-salaried/Pay as You Earn (PAYE)) income, as the case may be, as well as using the Hnry software to log all business expenses and the details of any other sources of income.
Hnry will store expense receipt data and use that data to calculate your tax liability, which you make Hnry aware of.
Hnry will provide information to you on HMRC policies for expense eligibility; however, Hnry cannot warrant the eligibility of expense claims raised by you.
Where Hnry is only managing partial sources of income for you, it if your responsibility to provide Hnry with all necessary income, expenditure, and payment summaries within four weeks of receiving a request for Hnry to be able to file tax submissions on your behalf at the end of each Tax Year.
We may need the necessary information sooner to meet a submission deadline. Acting as a tax agent for you, Hnry will file VAT returns and Income Tax Returns on your behalf only after you have either been regularly paid into the Hnry Account or have paid a fee for a one-off tax filing.
Hnry will complete HMRC registrations (VAT/PAYE Withholding/PAYE Instalments) as soon as possible.
Without the complete and correct income and expenditure information provided by you, Hnry accepts no responsibility for the accuracy of tax rates or fillings.

Hnry Business Account and Hnry Business Mastercard

To facilitate our services, Hnry partners with PPT, a company registered with the Financial Conduct Authority (FCA reference number: 900010), to provide you with an e-money Business Account and a prepaid Card. The terms and conditions for this service can be found in Section C.

Permissions for Automatic Transactions

PPT is not party to the services covered within this section.

As part of our service, Hnry calculates and automatically remits payments, including but limited to Income Tax, VAT, National Insurance Contribution (NIC), and Student Loan repayments, to HMRC and Hnry’s service fee to Hnry on your behalf. You expressly consent to these automatic transactions by agreeing to this Agreement. You may withdraw this consent by notifying us in writing, but doing so may limit our ability to provide services under this Agreement.

To enable these transactions, you will provide Hnry with direct permission to access your Hnry account for the specific purpose of deducting the appropriate tax obligations and our service fee. The exact percentage or amount of our service fee is Section A Pricing.

Retention of Business Records

Hnry is committed to maintaining the highest data privacy and protection standards per the General Data Protection Regulation (GDPR). As part of our services, it is necessary to retain certain business records, including client identification procedures, transaction and tax history, and other relevant documentation provided during our services.

These records are retained for seven years following the cessation of the services provided to you. This period may be higher in order to align with legal and regulatory requirements. This retention period allows us to comply with laws and financial regulations to respond to any queries from regulatory bodies.

Additionally, your personal data will be handled in accordance with our privacy policy, which outlines your rights under GDPR, including the right to access, correct, delete, or restrict the processing of your personal data. By agreeing to these Service Agreements, you also agree to the terms of our privacy policy. We encourage you to review the privacy policy to fully understand how we collect, use, and protect your data.

Hnry will also provide your transaction records, onboarding documents, and relevant information to HMRC upon request under the Tax Management Act 1970, ensuring all disclosures are made to comply with GDPR and our Privacy Policy.

We take our responsibility to protect your data seriously and implement stringent security measures to safeguard your information while it is in our possession. Please contact us at privacy@hnry.co.uk directly if you have any concerns or questions about how your data is handled.

Pricing:

The fees set out in this section do not relate to the services provided by PPT. All fees related to your e-money account are set out in PPT terms and conditions in section C.

Unless otherwise agreed between you and Hnry, for every pound paid into an Hnry Account by you or by your end customers, you agree to pay a percentage of that amount to Hnry. The current standard pricing is as follows:

1.0% +VAT (capped at £600 +VAT per financial year)

Where you receive individual payments of under £50, a minimum fee of £0.50 +VAT per payment applies.

We will notify you of any changes to our pricing at least two months in advance. If you do not agree to the changes, you may terminate this Agreement without penalty before the new pricing takes effect. Continued use of the service after this period constitutes acceptance of the new pricing.

Fees will be deducted every time Hnry receives a payment on your behalf. Should an entity, for any reason, deduct any Withholding Taxes before an amount is paid into an Hnry Account, the Hnry Fee will be charged on the gross earnings amount (pre-tax, after VAT has been deducted).

If you use an Hnry Account for the first time within 45 days of the end of the tax year (April 5th), Hnry reserves the right to request a one-off fee of £150 +VAT to cover the filing of tax returns on your behalf for that financial year.

If you are an individual, for additional self-employed income that is received directly by you and not processed via an Hnry Account after the effective date of this Agreement, you agree to pay Hnry 1% +VAT of that income.

If you do not provide Hnry with your acceptance of the Annual Review form summary displayed on your Hnry Dashboard by the notified deadline. In that case, Hnry reserves the right to request a one-off fee of £150 +VAT to cover the cost of filing the Income Tax Return for the financial year on your behalf.

SECTION B: GENERAL TERMS

PPT does not provide any services under this section of the Agreement and is not party to this section.

Supplier Obligations

Hnry agrees to deliver the Services outlined in this Agreement and any subsequent written agreements between Hnry and you. These Services will be performed:

In compliance with all relevant laws and regulations, including data protection laws such as the GDPR.
With the highest standards of professionalism, care, skill, and diligence by employing appropriately qualified and experienced personnel.

Your Obligations

You agree to:

Provide comprehensive and accurate information.
Provide all necessary information, documentation, and approvals in a timely manner to enable Hnry to deliver the Services effectively.
Notify Hnry promptly of any changes in your financial or business circumstances that may affect the provision of the Services.
Comply with all legal and regulatory requirements related to your business activities that may impact the Services provided by Hnry.

Warranties

Service Warranty:

Hnry warrants that all Services provided under this Agreement will meet the specifications and standards detailed within it and any written agreements that supplement it. This warranty covers the adherence to functional specifications, performance standards, and service quality levels outlined or referenced herein.

Remedy for Breach of Warranty:

In the event that any Service provided does not conform to the above warranty, Hnry will, at its own expense and upon your request, re-perform the Service to bring it into compliance with the agreed specifications and standards.

This re-performance is your exclusive remedy for any breach of warranty, provided that you notify Hnry of such breach within a reasonable period, not exceeding 30 days from the receipt of the Service.

General Exclusions:

The warranties provided do not cover issues arising from:

Misuse, alteration, or improper handling of the delivered Services by you or third parties.
Your failure to follow Hnry’s recommendations or instructions.
Using the Services with equipment, software, or services not provided or approved by Hnry.

Compliance with Laws:

Hnry warrants that it will perform the Services in compliance with all applicable laws and regulations.

Intellectual Property

Intellectual Property Rights:

All intellectual property rights and interests arising from or related to the Services provided under this Agreement, including but not limited to copyrights, patents, trademarks, design rights, and trade secrets (whether registered or unregistered), shall remain the sole property of their respective owners.

Use of your Intellectual Property:

You grant Hnry a non-exclusive, royalty-free licence to use your intellectual property solely for the purpose of delivering the Services under this Agreement. This includes any trademarks, logos, or business names provided by you for incorporation into the services provided.

Third-Party Intellectual Property:

Hnry acknowledges that it may utilise third-party intellectual property in the delivery of Services and warrants that it has obtained all necessary licences and permissions to use such intellectual property in connection with the Services.

Fees

Service Fees:

You agree to pay Hnry the fees (“Service Fees”) as detailed in Section A Pricing to this Agreement for the provision of Services.

Payment Terms:

Service Fees will be automatically deducted from your earnings received into your Hnry account, as Hnry facilitated, before disbursing the remaining funds to your designated bank account. Detailed statements of deductions will be provided to you for each transaction.

Changes to Fees:

Hnry reserves the right to modify the Service Fees at any time, subject to providing you with two months notice of such changes. The continued use of Hnry’s services after fee changes have been notified will constitute your agreement to such changes.

Promotional Credit:

Availability: Hnry may offer promotional credits to you as part of our marketing and loyalty programs. These credits can be applied as discounts on future service fees.
Activation and Use: any eligible promotional credits must be activated by you within the offer’s validity period. Activated credits automatically reduce service fees on future transactions and cannot be exchanged for cash.
Expiration: Credits expire as per the terms of the offer. Hnry will attempt to remind you of any expiring credits when possible.
Restrictions: Promotional credits are non-transferable, specific to your account, and subject to conditions such as minimum usage requirements. Hnry reserves the right to modify or cancel credit offers at any time.

Confidentiality

Confidentiality Agreement:

Both Hnry and you agree to maintain the confidentiality of all Confidential Information exchanged during the provision or use of the Services. “Confidential Information” includes, but is not limited to, personal data, business strategies, technical processes, and all other information not publicly available.

Restrictions on Use:

Confidential Information received from the other party shall only be used for the purpose of fulfilling obligations or exercising rights under this Agreement.

Disclosure Provisions:

Disclosure of Confidential Information is strictly limited to personnel or advisors who need to know such information for the purposes of this Agreement and who are bound by confidentiality obligations.

Legal Requirements for Disclosure:

If either party is legally required to disclose Confidential Information (e.g., by law, court order, or government regulation), the disclosing party must provide prompt notice to the other party, unless prohibited by law or where such notification would interfere with law enforcement or regulatory investigations.

Duration of Confidentiality:

The obligation to keep Confidential Information confidential shall persist for five years after the termination or expiry of this Agreement, subject to any longer periods required by applicable law.

Authority to Verify Identity

By agreeing to Hnry’s terms, I confirm that I am authorised to provide the personal details presented and I consent to my information being passed to and checked with the document issuer, official record holder, a credit bureau and authorised third parties for the purpose of verifying my identity and address.

Liability

Limitation of Liability:

Hnry’s total liability to you for all claims arising from or related to the Agreement, whether in contract, tort, or breach of statutory duty, shall not exceed the total Fees paid by the Client to Hnry during the 12 months preceding the claim.

Exclusions from Liability:

Neither party shall be liable to the other for any indirect, special, incidental, or consequential damages, including but not limited to loss of profits, data, or goodwill, regardless of the cause of action and even if informed of the possibility of such damages.

Exceptions to Limitation:

The limitations on liability stated above do not apply to:

Liability for death or personal injury caused by negligence.
Liability for fraud or fraudulent misrepresentation.
Any other liability which cannot be excluded or limited under applicable law.

Indemnification:

You agree to indemnify and hold Hnry harmless from any claims, damages, losses, or expenses arising from your breach of this Agreement or misuse of the Services.

Liability Notice:

Claims against Hnry must be made within one year of the event giving rise to such claim, and you must provide Hnry with a reasonable opportunity to remedy any breach.

Term and Termination

Termination:

This Agreement can be terminated if Hnry provides a written notice to you, or you can terminate this Agreement by contacting Customer Services at any time and without providing any notice to us. You can check “Termination or Suspension” and “Cancelling, Closing your Account and Redeeming E-Money” in Section C of this agreement.

Effects of Termination:

Upon termination:

All rights and obligations of both parties cease, except for any rights and obligations that by their nature should survive termination (e.g., confidentiality, liability, indemnification).
You must pay for services rendered up to the date of termination, and Hnry must refund any prepaid fees for services not rendered.

Forced Termination:

Hnry reserves the right to suspend or terminate your access to Hnry’s services with immediate effect, including tax payment and filling services, invoicing under the following circumstances:

Where you are an individual, in the event that:
Hnry becomes aware that you have no intention of using the Hnry service for their self-employed income;
Hnry determines that you are not (and will not in future be) earning income as a sole trader, freelancer, or contractor;
.
Where required by law, including where your account is linked to suspicious or illegal activity including breaches of anti-money laundering (AML) and counter-terrorism financing (CTF) obligations.
To maintain the security or integrity of our systems: Where it is reasonable for us to do so, Hnry may, with no prior notice to you, temporarily suspend or terminate services to prevent unauthorised access or mitigate potential threats.
In the event that the Client remains uncontactable or unresponsive for a period longer than 30 consecutive days, impeding the Supplier’s ability to provide necessary services.

Notification of Termination:

Termination notices shall be delivered in writing to the designated representative of the other party and will be deemed effective upon receipt.

Disputes

Good faith negotiations:

Before taking any Court action, a party must use their best efforts to resolve any dispute under, or in connection with, the Agreement through good faith negotiations. Please contact us at support@hnry.co.uk directly if you have any concerns or questions about your account.

If you are a consumer, micro-enterprise or small charity eligible under the Financial Conduct Authority’s rules, you may have the right to refer any unresolved dispute to the Financial Ombudsman Service.

Jurisdiction:

The parties agree to continue performing their respective obligations under this Agreement while any dispute is being resolved unless and until such obligations are terminated or expire in accordance with the provisions of this Agreement.

General Provisions

Force Majeure:

Neither party shall be liable for any failure to perform its obligations under this Agreement if such failure is caused by unforeseen events beyond reasonable control, such as natural disasters, war, regulatory actions by UK authorities (e.g., HMRC), Brexit-related disruptions, or government restrictions (force majeure events), excluding financial inability to perform. Where possible, Hnry will keep you informed of the force majeure and will make reasonable efforts to resume performance as soon as possible.

Independent contractor:

Hnry is an independent contractor for you. No other relationship (e.g. joint venture, agency, trust, or partnership) exists under the Agreement.

Severability:

If any provision of this Agreement is found to be invalid or unenforceable, the remainder of the Agreement shall remain in effect, and the invalid or unenforceable provision shall be replaced with a valid provision that most closely matches the intent of the original provision.

Entire Agreement:

This Agreement sets out everything agreed by the parties relating to the Services and supersedes and cancels anything discussed, exchanged, or agreed prior to the Agreement’s start.

SECTION C: Prepay Technologies Ltd (PPT) Terms and Conditions.

HNRY BUSINESS ACCOUNT AND HNRY BUSINESS MASTERCARD® TERMS AND CONDITIONS

Important information you need to know about this Agreement:

Please read this Agreement carefully before you activate your Card or use any of our services. This information forms the agreement for your Account including any associated Mastercard Card and payment services that we may provide to you. By confirming that you accept the terms of this Agreement, or by activating your Card and/or using our services, you accept this Agreement. If there is anything you do not understand, please contact Customer Services using the contact details in ”Customer Service” section of this Agreement.

ACCOUNT LIMITS

Subject to any further risk assessment requirements, your Account is subject to the following Account Limits. We can change limits at our discretion at any time to comply with our regulatory obligations and to reduce the risk of financial crime. You can contact Customer Services at any time to ask about the limits applicable to your account.

You can contact Customer Services at any time to ask about the limits applicable to your account.

Account Loading

Load Limits	Cardholder account
Max account balance	£75,000
Currency	The cards can be loaded in: GBP Accept load transactions only in this currency
Reloadable	Yes
Faster Payments In, BACs In and CHAPS In
Max amount per single load	FP In	£50,000
	BACS In	£50,000
	CHAPS In	£50,000
Daily Max Load Amount	FP In	£50,000
	BACS In	£50,000
	CHAPS In	£50,000
Weekly Max Load Amount	FP In	£75,000
	BACS In	£75,000
	CHAPS In	£75,000
Monthly Max Load Amount	FP In	£150,000
	BACS In	£150,000
	CHAPS In	£150,000
Yearly Max Load Amount	FP In	£400,000
	BACS In	£400,000
	CHAPS In	£400,000
Loads methods	Banking channels: FP In, BACS In, CHAPS In

Redemptions

Redemption Limits	Cardholder account
Mastercard redemption limits
Max amount per single transaction	£15,000
Daily Max Spend amount	£15,000
Weekly Max Spend amount	£25,000
Monthly Max Spend amount	£50,000
Yearly Max Spend amount	£200,000
Recurring Payments	Allowed
Faster Payments OUT limits
Max amount per single transaction	£35,000
Daily Max Spend amount	£35,000
Weekly Max Spend amount	£75,000
Monthly Max Spend amount	£150,000
Yearly Max Spend amount	£400,000

SCOPE OF THIS AGREEMENT

Your Card is an e-money prepaid card and not a credit, charge or debit card. It is issued by us pursuant to our licence from Mastercard. Mastercard is a registered trademark of Mastercard International Incorporated. The Card remains the property of PPT.

The Account is an electronic money product and the electronic money associated with it is provided by PPT, regulated by the Financial Conduct Authority for the issuance of electronic money (FRN 900010). Hnry is registered with the Financial Conduct Authority as an agent of PPT in relation to the services provided under this Agreement.

Your rights and obligations relating to the use of this Card are subject to this Agreement between you and us; you have no rights against Mastercard or its respective affiliates. If you experience any difficulties in using your Account or Card you should contact Customer Services.

This Agreement is written and available only in English and we undertake to communicate with you in English regarding any aspect of your Card, Account or Payments.

You agree that we may communicate with you by e-mail and/or SMS and/or via the App for issuing any notices or information about your Accounts, your Card or Payments and therefore it is important that you ensure you keep your e-mail address and mobile phone number updated via the App.

If you wish to make use of services provided by an Authorised Third Party Provider on your Account, you may do so provided that you have signed up to use the App and your Account is active. We advise that before using an Authorised Third Party Provider, you ensure that the Authorised Third Party Provider is authorised by a Regulator to provide their services. In the UK, the Financial Conduct Authority’s register (available at https://register.fca.org.uk/) will tell you whether a company is authorised. You must provide your explicit consent or share your App credentials with the Authorised Third Party Provider each time an access to your Account is required for them to provide you with their services. You should always consider the implications of sharing your App credentials and your personal information.

If an Authorised Third Party Provider requests access to your Account to provide you with their services using your App credentials, we will assume that you have given consent to do so. Please note we are obliged to provide access to your Account if it is requested by an Authorised Third Party Provider and can only refuse access in certain circumstances.

If you do not wish to use services provided by an Authorised Third Party Provider on your Account, you simply refuse to provide your consent or refuse to share your App credentials with an Authorised Third Party Provider.

APPLYING AND REGISTERING YOUR ACCOUNT

To open an Account, apply for a Card and/or be able to execute Payments, you must be a UK resident who is at least 18 years old.

We will open your Account and issue your Card to you on the basis of the Information that has been provided by you. You must ensure that you provide accurate Information and tell us of any changes as soon as possible so that our records remain correct.

If we discover that the information we hold about you is incorrect, we may have to suspend access to the Account, suspend or cancel your Card and/or your ability to enter into Payments until we can establish the correct information, in order to protect us both.

It is your responsibility to keep us updated of changes to your details.

RECEIVING AND ACTIVATING A CARD

Your Account will automatically be linked to a Virtual Card which will be available via the App.

You are responsible for all the Cards issued, the use of your Account and actions undertaken by all Cardholders under this Agreement and any fees or charges that these Cards may incur.

USING THE CARD AND CARD EXPIRY

The Card can be used to make business purchases via the internet or over the phone (fees may apply, see Fees Section). A Cardholder can authorise a transaction via Google Pay or Apple Pay where the functionality is made available. A Cardholder may be required to undergo additional authentication steps to authorise certain Card Transactions. Please be aware that you may not usually stop a Card Transaction once it has been authorised as at that point it is deemed to be received by us. We may refuse to execute a Card Transaction if we suspect that the Card Transaction is unlawful or fraudulent. We will treat the Card Transaction as authorised and genuine if:

security information personal to the Cardholder is used; or
the Card is used and the Cardholder has authorised the Card Transaction.
any additional Strong Authentication Measures (where applicable for a given Transaction) have been completed.

The Card is a prepaid card, which means that the Available Balance will be reduced by the Full Deductible Amount, including additional surcharges if any. The Cardholder must not use the Card if the Full Deductible Amount exceeds the Available Balance.

Due to security safeguards, Merchants that accept the Card are required to seek authorisation from us for all of the Card Transactions that are made by the Cardholder. There are some circumstances where Merchants may require the Cardholder to have an Available Balance greater than the value of the Card Transaction they wish to make. The Cardholder will only be charged for the actual and final value of the Card Transaction they make. Merchants request this as they may need to access more funds than the Cardholder initially planned to spend. For example:

hotels, rental cars; and
internet Merchants – certain internet Merchant sites will, on registration or at checkout stage, send a request for payment authorisation to verify if funds are available. This will temporarily impact the Available Balance. Also, please bear in mind that many sites will not deduct payment until goods are dispatched so please be aware of this when checking the Available Balance to make sure sufficient funds are available to cover all purchases.

The Card cannot be used:

in situations where it is not possible to obtain online authorisation that the Cardholder has sufficient balance for the Card Transaction. For example, but not limited to, Card Transactions on trains, ships, and some inflight purchases.
at self-service petrol pumps but it can be used to pay by taking it to the cashier.
as a form of identification.
for any illegal purpose or in any manner prohibited by law, nor for gambling, for any adult entertainment or for Quasi Cash transactions.

We may ask you to surrender any Cards at any time for a valid reason in accordance with the provisions in Section Termination or Suspension of this Agreement.

If a retailer agrees to give a refund for a purchase made using the Card, the funds will be added to the Available Balance of the Account when we receive the funds from the retailer.

The Card can be used to make Card Transactions in currencies other than pounds sterling, the amount deducted from your Account will be converted to pounds sterling on the day we receive details of that foreign currency transaction. We will use a rate set by Mastercard, which will be available on each Working Day and changes in the exchange rate shall take effect immediately. Exchange rates can fluctuate and they may change between the time a Card Transaction is entered into and the time it is deducted from your Available Balance. You can find out the exchange rate applied to a Card Transaction in your transaction history on the App. We may charge an additional foreign transaction fee for certain foreign currency Card Transactions (see “Fees”).

The expiry date of the Card is visible on your wallet or App. The Cardholder will not be able to use their Card once it expires. We will notify the Cardholder to request a replacement Card through App.

USING 3D SECURE TO COMPLETE TRANSACTIONS

3D Secure is a payment authentication standard for internet purchases which adds an extra layer of security when purchasing goods or services online with participating retailers. It is a form of Strong Customer Authentication. To enhance the safety of online payments, you will increasingly need to use 3D Secure to confirm it’s you when you make payments online.

To use 3D Secure:

you must have internet access;
you must have a mobile phone;
we must have your correct mobile phone number;
your mobile phone must be able to receive text messages;
your mobile phone must have the App installed.

It is important that you ensure that the personal information we hold for you (in particular your mobile phone number) is up-to-date. You can do this by logging in to your App or via Website.

When making a purchase online for which authentication is required, you will be brought to a 3D Secure verification screen.

To complete your purchase, you’ll be prompted to open the App and confirm it’s you using biometrics such as face recognition or fingerprints. You have a set amount of time and a number of attempts to enter the passcode correctly. If you do not enter the passcode correctly or verify yourself via the App (as applicable), you will be unable to complete your online purchase.

Where applicable, a passcode will only be valid for the online purchase you have received it for.

We will deem any transaction authenticated using 3D Secure as having been authorised by you.

We do not charge for 3D Secure, but you are responsible for any SMS fees that may be charged to you by your mobile phone provider.

USING THE ACCOUNT

The Account may be used for setting up to make Faster Payments subject to Account Limits. The Account can also be used for sending and receiving funds from another Account.

ADDING FUNDS TO THE ACCOUNT

Subject to the Account Limits, funds can be added to your Accounts via bank transfer (including Faster Payments, BACS Credit and CHAPS payments). The Account Details will be required for adding funds via one of these methods. Depending on how the funds are added to the Account, fees may apply (see Section Fees for more information).

A payment coming into the Account may not be credited to the Account if:

the Account has reached the Account Maximum Balance or has exceeded the Account Limits; or
the funds exceed maximum value deposit amounts that is permitted; or
the Account is inactive or blocked; or
the sender has provided incorrect/invalid Account Details for your Account; or
we suspect fraudulent activity on the Account; or
to do so is prohibited by any law.

The funds may be sent back to the sender without notifying you if any of the above applies.

PAYMENTS OUT

If the Automatic Payment on the Account specifies that a payment is to take place on a specified day or on the last day of a certain period, then we will treat the Payment Instruction as being received on the day specified.

To make a Faster Payment transfer from the Account, you must first set up the recipient as a new payee. For setting up a new payee to make Faster Payment from your Account, you will need to provide the name, account number and sort code of the person you wish to pay.

TIMING OF PAYMENTS

Any payments will be made within the following timescales:

Type of Transaction	Timescale
Faster Payments out	Will typically be sent within 2 hours
Incoming payment to Account	Funds will be added to the Account the same Working Day we receive the funds

We, the financial institution, holds the right to suspend payments as per the PSR regulations and guidelines

The time of receipt of a transaction order is when we receive it. You cannot stop a transaction after it has been transmitted to us and you have given consent, or when you have given your consent to a pre-authorised payment.

AUTHORISATION FOR PAYMENTS AND STOPPING PAYMENTS

It is each your responsibility to ensure correct Payment Details are provided when making any Payments or setting up a payee. You are responsible if you give us incorrect instructions or mistakenly instruct us to make the same Payment more than once, but we will try to help you get the money back. We may not always be able to do this, but we will do all we can. We may charge you a fee for tracing, recalling or cancelling a Payment. We will tell you how much it is before we start the recovery process. If we cannot get the money back, you can request the relevant information we have about the Payment to help you reclaim the money. We will provide this information on receiving a written request from you, unless the law prevents us doing so.

You can authorise us to make a Payment from your Account via the App by setting up electronic payments and giving us instructions via a third party, such as through a direct debit scheme or a Payment Initiation Service Provider. We will treat a Payment as authorised by you if:

the Payment was authorised from the App using the required Passcode or other required credentials;
you have set up or agreed to any Automatic Payments to be taken from your Account; or
a Payment Initiation Service Provider has instructed a Payment from your Account which you provided consent for.

We may refuse to execute or process a Payment (without prior notice to you) if:

the Account does not have sufficient Available Balance to cover the payment; or
the Account is suspended or closed; or
the Account has reached its Account Limits; or
we need to do so to comply with the rules of the payment system; or
we suspect fraudulent activity on the Account or the payment is unlawful or fraudulent; or
we are concerned about fraud or unauthorised access to the Account by a Payment Initiation Service Provider; or
we are required to comply with any law.

If we refuse to process a payment for the reasons above we will not be liable for any loss this may result in, nor will we be obliged to inform the intended recipient. You can check the Account to ensure there was enough Available Balance and/or that correct recipient details were provided, or can ask us why we have not executed a Payment by contacting Customer Services. Unless the law prevents us, we will explain why and we will also tell you what can be done to correct any errors in the Payment Instruction because we or the Programme Manager are concerned. We will contact you (which may include using the contact details provided by you) as soon as possible or in advance if possible to explain why we have refused to process the payment, unless we are prohibited by the law or we have security reasons to do so.

If, for any reason, a payment is processed for an amount greater than the Available Balance on your Account, you must repay us the amount by which the Full Deductible Amount exceeds your Available Balance immediately after receiving notice from us. Should you not repay this amount immediately after receiving an invoice from us we reserve the right to take all steps necessary, including legal action and/or closing your Account, to recover any monies outstanding.

The Available Balance on your Account will not earn any interest.

CHECKING TRANSACTIONS

You can check your Available Balance on the Account, Card Transaction and Payment history via the App.

Your monthly Account statements will be made available on the App and Hnry will notify you when they become available.

CANCELLING, CLOSING YOUR ACCOUNT AND REDEEMING E-MONEY

You may cancel your Account and any Cards before activating them, and up to 14 calendar days after the date of activation (“cancellation period”), by contacting Customer Services. You may transfer any Available Balance to a UK bank or PSP (part of Faster Payment Scheme) account via Faster Payments (subject to Account Limits) before cancelling the Account.

You may close your Account at any time after the cancellation period and redeem any Available Balance on the Account by contacting Customer Services. However, please note that the disbursement of funds may be subject to additional factors, including your tax obligations, regulatory requirements, or other conditions. As such, the account closure may require further verification or documentation before the Available Balance can be redeemed or the Account closed. For more information, please contact Customer Services. Alternatively, you may at any time transfer any Available Balance to a UK bank account via Faster Payments (subject to Account Limits) and call Customer Services to close the Account.

Any Available Balance remaining on the Account following closure will remain available to you for a period of six years from the cancellation date. You can redeem the Available Balance by contacting Customer Services. We will not return any funds remaining on the Account after six years from cancellation of your Account and this Agreement will terminate.

Once the Available Balance is redeemed and the Account is closed, your Agreement will terminate. However, If we find any additional withdrawals, fees or charges have been incurred to your Account then your Account will remain active and your Agreement will continue to apply to you until there is no money outstanding on your Account.

If we find any additional withdrawals, fees or charges have been incurred on your Account following the processing of the redemption request we will require you to refund us immediately upon receiving notice from us. Should you not repay this amount immediately after receiving an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

YOUR LIABILITY AND AUTHORISATIONS

You are responsible for the use of your Cards issued, the Account and Payment Instructions issued. You must ensure that any users of your Account (including any Cardholders) understand and comply with this Agreement.

We may restrict or refuse to authorise any use of your Account and any Cards issued to your Account including transactions in any legal jurisdiction if using the Card or Account is causing or could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you, a Cardholder or a third party has committed or is about to commit a crime or other abuse in connection with the Card or Account.

Where appropriate, any refusal to authorise a Card Transaction will be relayed to the Cardholder via the Merchant concerned.

It is your responsibility to keep safe any security information or credentials related to the Card, the Account and the App.

You will be liable for all unauthorised Card Transactions and Payments that arise from the use of a lost or stolen Card or Account security information or the misappropriation of the Card or the App or if you or a Cardholder fails to :

keep the Card details and/or security features of the Card and the Account safe.;
notify us that the Card is lost or stolen.

You must ensure you and/or any Cardholders do not:

allow another person to use a Card or Passcode or security information related to the App.
write down Passcode(s) or any security information related to Card, Account and App unless this is done in a way that would make it impossible for anyone else to recognise any of that information, or
disclose their Passcode or password or any other security information related to Card, Account and App, or otherwise make them available to any other person, whether verbally or by entering them in a way that allows them to be observed by others.

You should never allow a third party other than a Cardholder or an Authorised Third Party Provider to use or access your Account

You must not disclose or make available your App credentials to a third party unless the third party is an Authorised Third Party Provider and you want to use their services.

You will be responsible for all Card Transactions and Payments which either you, any Cardholder or a Payment Initiation Service Provider authorise.

You will be liable for all Card Transactions and Payments that take place as a result of you or a Cardholder acting fraudulently or failing to comply with this Agreement with intent or gross negligence. Any such Card Transactions and Payments and any fees and charges relating to such transactions will be deducted from the Available Balance on your Account.

It is your responsibility to keep us updated of changes to your Information, including e-mail address and mobile numbers. Failure to do so may result in us being unable to contact you regarding your Account, including the provision of refunds to which you might be entitled or to let you know about changes to this Agreement.

To the extent permitted by law, you agree to indemnify and hold harmless, us and our distributors, partners, agents, sponsors, and service providers and their group companies from and against the costs of any legal action taken to enforce this Agreement where you are at fault and/or any breach of this Agreement or fraudulent use of the Card, Account, App log in details, or Passcode by or authorised by either you or any Cardholders.

The App is only supported on devices where the operating system has not been modified, or jailbroken, or configured to allow software installation from sources other than those approved by the Programme Manager (including but not limited to the Apple App Store and Google Play). Use of the App on such a device is at your risk and neither Hnry nor PPT can be held responsible for any loss or data, Information or financial loss.

LOST, STOLEN OR DAMAGED CARDS

In the event of loss, theft, fraud or any other risk of an unauthorised use of the Card you must ensure that you or the Cardholder immediately blocks the Card via the App or by contacting Customer Services so that we can block the Card.

In the event that you/the Cardholder either blocks the Card or notifies us in accordance with this Agreement that the Card, security information related to the Account or Card or App credentials, have been lost or stolen you will be liable for a maximum of £35 of any loss that takes place prior to us being notified.

Provided that the Cardholder immediately blocks the Card via the App or by contacting Customer Services and that we understand that the Cardholder have not acted fraudulently neither acted with negligence then you will not be liable for losses that take place following the date on which the Cardholder blocked its Card or informed Customer Services. If there is an Available Balance remaining on your Account, the Cardholder can request a replacement Card for your Account via the App.

In the event that we have reason to believe that either you or a Cardholder have acted fraudulently or have acted with gross negligence or intentionally in failing to notify us of the lost or stolen Card details or the Cardholder have failed to keep their Card or security information related to the Account safe or you or the Cardholder have breached this Agreement then you shall be liable for all losses incurred as a result of any unauthorised payment transaction.

FEES

Your Account is subject to the fees set out below:

COSTS
Monthly Fee	£0.00
Transaction Fee (Point Of Sale £ Internet)	£0.00
Standing order/Bank Top-up	£0.00
Replacement Card	£0.00
Cancel Card/Redemption Fee (if applicable)	£0.00
Disputes & Chargebacks	£35.00
Cross border Card transactions - EEA	0.1%
Cross border Card transactions - Rest of World	0.9%

We will deduct any taxes or charges due from the Available Balance on your Account. If there is no Available Balance of funds, or taxes or charges exceed the balance of funds available, we shall send an invoice to you and will require you to refund us immediately after receiving the invoice. Should you not repay this amount immediately after receiving an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

UNAUTHORISED AND INCORRECTLY EXECUTED PAYMENTS AND/OR CARD TRANSACTIONS

If you have a reason to believe that a Payment and/or a Card Transaction on your Account was unauthorised by either you, a Cardholder, or a Payment Initiation Service Provider or was made incorrectly, you must ensure that you or the Cardholder informs us immediately via the App or by contacting Customer Services, but in any event within 13 months of the date of the relevant transaction.

If an unauthorised Payment and/or a Card Transaction is reported to us:

Subject to the Card holder not acting fraudulently, we will by the end of the next Working Day refund the unauthorised amount including any fees to your Account and return it to the position it would have been in if the unauthorised Payment and/or a Card Transaction had not taken place.
we are not obliged to refund the unauthorised sums to you if we have reason to believe that either you or a Cardholder have acted fraudulently, and we may notify the police or any other authority permitted by law. If we don’t provide a refund by the end of the next Working Day but subsequently confirm that the Payment and/or a Card Transaction was unauthorised, we will refund the unauthorised sums to you straight away.
we will have no further liability to you once we have refunded the unauthorised sums to you. If we subsequently discover that you were not entitled to a refund, we shall treat the refund as a mistake and be entitled to reapply the transaction, including any fees, to your Account.

You will be liable for all unauthorised Card Transactions and/or Payments made from your Account if you or a Cardholder have acted fraudulently or deliberately or with gross negligence failed to keep the Card, Card security information or App credentials safe in accordance with this Agreement, or where you have failed to notify us without undue delay on becoming aware that the Card details, security information related to the Card or App credentials has been lost or stolen.

You will not be liable for unauthorised Card Transactions and/or Payments that occur after you or a Cardholder have told us that the Card details, Card security information or App credentials have been lost, stolen or compromised.

If you or a Cardholder tell us that a Card Transaction and/or Payment has been made incorrectly, after we are informed, we will immediately refund your Account with sufficient funds including any charges to restore your Account to the same position as if the incorrect Card Transaction and/or Payment had not been made. However, this will not apply if:

you or a Cardholder fail to tell us of the incorrect Card Transactions and/or Payments without undue delay and in any case within 13 months of the date on which the transaction occurred;
any Payment Instructions you gave us were incorrect. If so, we will make reasonable efforts to recover your money if the payment has gone missing, but we may charge you a fee to cover our costs in doing so. We will tell you how much it is before we start the recovery process. If we are unable to recover the funds, you can request the relevant information we have regarding the transaction to help you reclaim the payment amount. For legal reasons, we are obliged to provide this information on receipt of a written request, except where the law prevents us from doing so; or
we can show that the payment was actually received by the other bank (in which case they will be liable).

If funds have been paid in to your Account by mistake.

we can take the funds back out of your Account and/or put a hold on the money so it cannot be spent.
we don’t have to tell you before we take the money back or put a hold on the money.
We are required to provide sufficient details about you and the incorrect payment to the bank or institution that sent the payment to enable them to recover the funds.

Where you or the Cardholder have agreed that another person can take a payment from your Account (e.g. if the Cardholder has given their Card details to a retailer for the purpose of making a payment for renting a car or booking a hotel room), you can ask us to refund a payment if all the following conditions are satisfied:

the authorisation given did not specify the exact amount to be paid;
the amount that has been charged to your Account was more than you, the relevant Cardholder could reasonably have expected to pay, based on the circumstances, including previous spending patterns; and
you make the refund request within eight weeks of the date when the payment was taken from your Account.

We may ask you to provide information as is reasonably necessary to verify that conditions in paragraphs above apply.

If you ask us to make a refund based on the above, within 10 Working Days of the date we receive your request (or if we ask for more information), within 10 Working Days of the date we receive that information) we will either:

refund the payment in full; or
tell you the reasons why we do not agree to the refund.

You will not be entitled to a refund if:

you or the Cardholder have given us your consent for the payment to be made; and
where applicable we (or the person or a Merchant you agreed to pay) have given you information on the payment in question at least four weeks before the due date of the payment.
if the payment in question was higher than you reasonably expected to pay due to a change in any currency exchange rate.

AUTHORISED PUSH PAYMENT FRAUD or APP SCAM

If you become a Victim of an APP Scam, you may be entitled to reimbursement under the FPS Reimbursement Rules and/or CHAPS Reimbursement Rules which applies to UK Faster Payments and UK CHAPS payments made on or after 7 October 2024. All other payment types, and any payments made before this date are not in scope of the FPS Reimbursement Rules and CHAPS Reimbursement Rules. The maximum level of reimbursement is up to £85,000 (or such other amount determined by the FPS Reimbursement Rules or CHAPS Reimbursement Rules from time to time). The maximum level of reimbursement is to be applied across all linked APP Scam claims.

To submit a claim for APP Scam reimbursement, you must:

consider any interventions made by us or a Competent National Authority;
promptly report any actual or suspected APP Scam upon learning or suspecting that you have fallen Victim to an APP Scam via the App or by contacting Customer Services, but in any event within 13 months of the date of the relevant transaction;
comply with appropriate information requests from us; and
report the APP Scam to the police or allow us to do so on your behalf, if required.

We will conduct an assessment to confirm that:

the Consumer Standard of Caution Exception does not apply under the FPS Reimbursement Rules, or whether you are considered a vulnerable Consumer at the time when the APP Scam payment was authorised;
You are not party to the fraud, nor claiming fraudulently or dishonestly;
You are not claiming for an amount which is subject of a private civil dispute;
You are not claiming for an amount paid for unlawful purpose;
You hold a UK account with us as a Consumer
The payment is made through Faster Payment or CHAPS to a relevant account in the UK that is not controlled by you
the payment is executed to the relevant account identified in the payment order, but: a) that payment is not to the recipient the Consumer intended to receive the payment, or b) the payment is for a purpose other than that intended by the Consumer; or
the payment is not sent or received by credit unions, municipal banks and national savings banks.

If your claim for reimbursement is successful, we will refund you any payments made as part of an APP Scam up to the maximum value set out above (£85,000) We reserve the right to deduct an excess of £100 (or such other amount determined by the FPS Reimbursement Rules or CHAPS Reimbursement Rules from time to time) per reimbursement claim from the amount reimbursable to you. In most cases you should be reimbursed within five Working Days of making a claim. In some cases, it can take up to 35 days for the Victim to be reimbursed. This is when we need extra time to gather information from you, as the Victim, the bank or PSP that received the payment, or a statutory body (such as the Financial Conduct Authority) to inform their assessment of the case.

If it is assessed that a reported APP Scam payment(s) does not satisfy the criteria of a Reimbursable APP scam payment, we will inform you in writing that the reported APP Scam payment(s) does not satisfy the criteria of a Reimbursable APP scam payment.

If you are dissatisfied with the outcome of your APP Fraud reimbursement claim, you can make a complaint to us, see “Complaints Procedure” section for further information on our complaints procedure.

Full details of APP Fraud reimbursement rights can be found:

in the FPS Reimbursement Rules which can be accessed via the Pay.UK website (https://www.wearepay.uk/); or
the CHAPS Reimbursement Rules which can be accessed via the Bank of England website (https://www.bankofengland.co.uk/).

VARIATION

We may change this Agreement, including fees and limits by providing you with at least two months prior notice via the App and/or by e-mail (provided you have supplied us with an up-to-date e-mail address) and will ensure the most recent version is always available on the Website.

If you do not agree with the changes to the Agreement, you may at any time within the two months’ notice period terminate this Agreement and close your Account in accordance with Section “Cancelling, Closing your Account and Redeeming E-Money” paragraph at that time without a charge. However, in the event you do not cancel during this period then you will be deemed to have accepted them and the changes will apply to you.

If any part of this Agreement is inconsistent with any regulatory requirements then we will not rely on that part but treat it as if it did actually reflect the relevant regulatory requirement. If we need to make operational changes before we can fully comply with the new regulatory requirement, we will make those changes as soon as reasonably practical. We will update our Agreement to reflect the new regulatory requirements when they are next reprinted.

TERMINATION OR SUSPENSION

We can terminate this Agreement at any time:

if we give you two months’ notice and refund the Available Balance to you without charge, or
with immediate effect if you or a Cardholder have breached this Agreement, or if we have reason to believe that you or a Cardholder have used, or intend to use a Card or Account in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your transactions due to the actions of third parties.

We can suspend or terminate any Cards and/or, Account at any time with immediate effect (and until your default has been remedied or the Agreement terminated) without any prior notice to you if:

we discover any of the Information that you or any additional Cardholder has provided to us in relation to your Account and/or Card(s) is incorrect; or
we believe that this is necessary for security reasons; or
we suspect or to prevent suspected unauthorised or fraudulent use of any Cards, Account or any security credentials related to any Cards or Account; or
if you have reached your Account Limits or if the Cardholder attempts to load cash higher than the maximum cash deposit amounts that is permitted; or
any legal obligations require us to do so; or
you or any Cardholders have breached this Agreement or we have reason to believe that you or any Cardholders have used, or intend to use the Card or Account or the App or the Passcode in a grossly negligent manner or for fraudulent or other unlawful purposes or if we cannot process any transactions due to the actions of third parties, or
we have grounds to consider your Account and/or Card(s) have been compromised as part of an APP Scam.

In the event that we do suspend or terminate any Cards or Accounts then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards (to the extent that we are permitted by law). We may advise anyone involved in the transaction if a suspension has taken place.

In the event that any additional fees are found to have been incurred on your Account following termination by either you or us, then subject to this Agreement, you shall refund to us any sum which relates to a withdrawal on the Account or fees and/or charges validly applied whether before or after termination. We will send a notification to you and will require you to refund us immediately. Should you not repay this amount immediately after receiving notice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

OUR LIABILITY

To the extent permitted by law, our liability in connection with this Agreement (whether arising in contract, tort (including negligence), breach of statutory duty or otherwise) shall be subject to the following exclusions and limitations:

we shall not be liable for any default resulting directly or indirectly from any cause beyond our control, including but not limited to, a lack of funds and failure of data processing systems;

we shall not be liable for any loss of profits, loss of business, or any indirect, consequential, special or punitive losses;
where the Card is faulty due to our default, our liability shall be limited to replacement of the Card, or at our choice, redemption of the Available Balance;
where sums are incorrectly deducted from your Available Balance due to our default, our liability shall be limited to payment to you of an equivalent amount;
in the unlikely event that sums are deducted from your Available Balance but you or a Cardholder did not authorise such deduction in accordance with this Agreement then our liability shall be as set out in section “Unauthorised and incorrectly executed payments and/or card transactions”; and
In all other circumstances of our default, our liability will be limited to redemption of the Available Balance.

Nothing in this Agreement shall exclude or limit our liability for death or personal injury resulting from our negligence or fraud or any other liability which may not be limited or excluded by law.

To the extent permitted by law, all conditions or warranties implied by law, statute or otherwise are expressly excluded. PPT or Hnry has no liability to you under or in connection with the Card or this Agreement.

The above exclusions and limitations set out in this paragraph shall apply to any liability of our affiliates such as Mastercard, and other suppliers, contractors, agents or distributors and any of their respective affiliates (if any), to you, which may arise in connection with this Agreement.

In the event of suspected or actual fraud or security threat to any Cards or Account, we will use SMS, telephone, post, email or another secure procedure to contact you. We may ask you to verify your identity or identity of any Cardholders for security purposes.

YOUR INFORMATION

Some personal data processing will be necessary for us to provide you with the Account and services under this Agreement. PPT and Hnry are distinct data controllers for these purposes and will only use your personal data for these purposes. Please see Hnry privacy policy published at www.hnry.co.uk and PPT privacy policy published at Privacy Policy | Edenred Payment Solutions for full details on the personal data that we hold, how we will use it and how we will keep it safe.

If you allow or give consent to an Authorised Third Party Provider to access your Account to provide their services to you, you should know that we have no control over how an Authorised Third Party Provider will use your information nor will we be liable for any loss of information after an Authorised Third Party Provider has access to your information.

COMPLAINTS PROCEDURE

To notify us of a complaint regarding any element of the service provided by us please contact Customer Services.

All complaints will be subject to our complaints procedure. .

Your complaint will be dealt with in an adequate timeframe and at the latest within 15 calendar days after we have received it. If we can’t resolve your complaint within this time because of reasons beyond our control, we’ll email you explaining the reasons for the delay within 15 calendar days. We’ll also give a deadline for when we’ll send you a full reply to your complaint, which will be no more than 35 calendar days after we have received your complaint.

If we fail to resolve your complaint to your satisfaction you may be able to refer your complaint to the Financial Ombudsman Service (Exchange Tower, London E14 9SR, phone 0800 023 4567). Details of the service offered by the Financial Ombudsman Service are available at www.financial-ombudsman.org.uk.

GENERAL

Any delay or failure to exercise any right or remedy under this Agreement by us shall not be construed as a waiver of that right or remedy or preclude its exercise at any subsequent time.

If any provision of this Agreement is deemed unenforceable or illegal, the remaining provisions will continue in full force and effect.

You may not assign or transfer any of your rights and/or benefits under this Agreement and you shall be the sole party to the contract between us. You will remain liable until all Accounts issued to you are terminated and all sums due under this Agreement have been paid by you in full. We may assign our rights and benefits at any time without prior written notice to you. We may subcontract any of our obligations under this Agreement. We may also permanently transfer our rights and obligations under this Agreement to another card issuer, or cease to provide the Card, by giving you 2 months’ notice in writing – this is most likely to occur if the Programme Manager decides to cease to operate Cards through the App or if it changes the provider of cards associated with the App.

No third party who is not a party to this Agreement has a right to enforce any of the provisions in this Agreement, save that Mastercard and their respective affiliates may enforce any provision of this Agreement which confers a benefit or a right upon them.

This Agreement contains the information set out in Schedule 4 of the Payment Service Regulations 2017 and you can obtain, and download and print, a copy of this Agreement at any time by visiting the App or the Website.

This Agreement is governed by English law and you agree to the exclusive jurisdiction of the courts of England and Wales.

The Financial Services Compensation Scheme is not applicable for this Account. No other compensation schemes exist to cover losses claimed in connection with your Account. We will however safeguard your funds against any loss that can be reasonably anticipated.

CUSTOMER SERVICES

You can reach out to us in the following ways:

Chat: Contact Hnry Customer Services team through the App.
Email: Send us an email at support@hnry.co.uk.
Post: write to Hnry, 35-41 Folgate Street, London, E1 6BX

Lost, damaged or stolen cards can be reported via the App and also by calling 0330 828 4762 (available 24 hours a day).

SECTION D: DEFINITIONS

Interpretation

Clause Headings: These are for convenience only and do not affect the interpretation of this Agreement.
Singular and Plural: Words in the singular include the plural and vice versa.
References to Parties: Include their respective successors, permitted assigns, and personal representatives.
‘Including’ and Similar Expressions: These are illustrative and shall not limit the sense of the preceding words.

Definitions

Account means your Hnry business electronic money account(s) held with PPT which is accessible via the App.
Account Details means any details related to your Account, such as, but not limited to, Sort Code and Account Number.
Account Information Services means an online service that provides consolidated information on accounts held by you with one or more payment service providers such as banks or PSP.
Account Information Services Provider means a third-party payment service provider, which is authorised by its Regulator, to provide Account Information Services with your explicit consent, and under a separate agreement that you have signed with them.
Account Limits means maximum limits that you can have in relation to the Account, such as the Account Maximum Balance and limits on transactions as referred to under “Account Limits” section.
Account Maximum Balance means the maximum balance you can have on your Account as referred to under “Account Limits” section.
Account Number means your unique personal account number associated with your Account, and it is found on the front of your Card.
Account Owner means you, the individual legally responsible for an Account.
Agreement means this agreement as varied from time to time, including any schedules, appendices, or referenced policies.
App means the Hnry App
Apple Pay means a mobile payments app that allows Cardholders to make payments from their Card using their mobile device (subject to and in accordance with Apple Pay terms of use).
APP Scam means an authorised push payment scam as defined in the FPS Reimbursement Rules and CHAPS Reimbursement Rules.
Authorised Third Party Provider means an Account Information Service Provider and/or a Payment Initiation Service Provider.
Automatic Payments means Direct Debits, Standing Orders and Future Dated Payments.
Available Balance means the value of available funds in your Account.
BACS Credit means BACS Direct Credit being a service enabling organisations to make payments to an account, which takes three Working Days for the funds to be cleared.
Card or Virtual Card means any prepaid Hnry business Mastercard card associated with your Account that is virtual only. This includes any additional card(s) that you may request for your Account.
Card Number means the 16-digit number associated with your Card.
Card Transaction means a transaction entered into using your Card, including withdrawing cash using an ATM or purchasing a good and/or service using the Card either in person, over the internet or over the telephone.
Cardholder means you and any additional Cardholder to whom a Card is issued at your request.
CHAPS means Clearing House Automated Payments System, a bank-to-bank or PSP-to-PSP technology which enables same-day payments to be made within the UK, provided the payment instruction is received by the sending bank or PSP or organisation before a certain time.
CHAPS Reimbursement Requirement means the obligation conferred on Directed PSPs by the PSR under applicable rules and regulation.
CHAPS Reimbursement Rules means any rules, regulations and guidance published by the Bank of England (or such other organisation appointed by the UK Government to operate CHAPS from time to time) pursuant to requirements by the PSR or other authority on PSPs reimbursing their Consumers when they fall Victim to APP Scams included in Annex A to the CHAPS Reference Manual as amended by the Bank of England from time to time.
Competent National Authority (CNA) means police, National Crime Agency or any other law enforcement agency identified by the PSR as per applicable rules and guidance.
Confidential Information means any and all information disclosed by either party under this Agreement that is not publicly available. This includes, but is not limited to, personal data (as defined under the General Data Protection Regulation (GDPR)), business strategies, intellectual property, financial information, and the terms of this Agreement. Hnry commits to protecting such information in accordance with the GDPR and applicable confidentiality laws.
Consumer means you or the Cardholder meeting the following definition of “consumer” under the FPS Reimbursement Rules and CHAPS Reimbursement Rules: individuals, microenterprises (enterprises that employs fewer than ten persons and have either an annual turnover or annual balance sheet total that does not exceed €2 million), or charities (a body whose annual income is less than £1 million per year and is a charity as defined by the Charities Act 2011, Charities and Trustees Investment (Scotland) Act 2005 or the Charities Act (Northern Ireland) 2008).
Customer Services means the team responsible for supporting queries relating to your Account.
Data Protection Laws or GDPR means the Data Protection Act 2018, General Data Protection Regulation (GDPR) (Regulation (EU) 2016/679) and any applicable replacement laws or regulations as may be in force and applicable, from time to time.
Direct Debit means a service allowing a third-party to collect pre-authorised funds from your Account electronically on agreed dates, for example to pay bills.
Directed PSPs means us or another PSP participating in the Faster Payments Scheme to which FPS Reimbursement Requirement applies or participating in CHAPS to which CHAPS Reimbursement Requirement applies. For the avoidance of doubt, the FPS Reimbursement Rules must apply to all Directed PSPs that provide accounts that can be used to send or receive payments using the Faster Payments Scheme and the CHAPS Reimbursement Rules must apply to all Directed PSPs that provide accounts that can be used to send or receive payments using CHAPS.
EEA means the European Economic Area, which currently includes all countries in the European Union together with Iceland, Norway and Liechtenstein.
E-money means the electronic money associated with your Account.
Faster Payment means a service allowing you to make and receive electronic payments in the UK in GBP, which are received by the recipient organisation or bank or PSP within 2 hours, provided that the receiving organisation or PSP or bank is part of the Faster Payments scheme.
Faster Payments Operator means Pay.UK Limited (or such other organisation appointed by the UK Government to operate the Faster Payments Scheme from time to time).
FPS Reimbursement Requirement means the obligation conferred on Directed PSPs by the PSR under applicable rules and regulation, under paragraph 3.1 of Specific Direction 20 (July 2024), and maybe as amended from time to time.
FPS Reimbursement Rules means any rules, regulations and guidelines published by the Faster Payments Operator pursuant to requirements by the PSR or other authority on PSPs reimbursing their Consumers when they fall Victim to APP Scams.
Full Deductible Amount means the full amount of the Card Transaction or Payment (as applicable), including the Card Transaction or Payment itself along with any associated fees, charges and taxes.
Future Dated Payments means individual, one-off, Payments set up to be made at a future date which will be received by the recipient bank or PSP on the day specified.
Google Pay means a mobile payments app that allows Cardholders to make payments from their Card using their mobile device (subject to and in accordance with Google Pay terms of use).
Information means any information related to your Account, and any personal information related to you or any additional Cardholder.
Mastercard Acceptance Mark means the Mastercard International Incorporated Brand Mark, indicating acceptance of the Card.
Mastercard means Mastercard International Incorporated whose head office is at 2000 Purchase Street, Purchase, New York, 10577 USA.
Merchant means a retailer, or any other person, firm or corporation that accepts cards which display the Mastercard Acceptance Mark. Please note, your Card can only be used at online Merchants.
Passcode means the passcode or thumbprint or other method you use to identify yourself and which is used for authorising any payments from the Account on the App.
Payment means a payment made via Faster Payments, Direct Debit, BACS Credit or CHAPS.
Payment Details means the details you provide to enable funds to be received into your Account or the details that you provide in order to send funds from your Account.
Payment Initiation Services means an online service which accesses the App to initiate a Payment Instruction on your behalf.
Payment Initiation Service Provider means a third-party payment service provider which is authorised by its Regulator to provide Payment Initiation Services with your explicit consent and under a separate agreement which you have signed with them.
Payment Instruction means an instruction from you or a Payment Initiation Service Provider to make a Payment from your Account.
PPT means PrePay Technologies Ltd, a company registered in England and Wales with number 04008083, with its head office at Station Square, 1 Gloucester Street, Swindon, SN1 1GW.
Programme Manager or Hnry means Hnry (UK) Limited registered at 35-41 Folgate Street, London, E1 6BX.
PSP(s) means payment service provider(s).
PSR means the Payment Systems Regulator in the UK.
Quasi Cash means transactions that include, but are not limited to, purchasing traveler’s cheques, lottery tickets, casino gaming chips, money orders, deposits and wire transfer money orders.
Regulator means the Financial Conduct Authority in the UK or another European financial services regulator.
Reimbursable APP scam payment means either a Reimbursable FPS APP scam payment under PSR Specific Direction 20 or Reimbursable CHAPS APP scam payment under CHAPS Reimbursement Rules. In summary, it means where the consumer standard of caution exception does not apply, the victim is not party to the fraud or claiming fraudulently or dishonestly to have been defrauded and the claim was made within the time limit set out in the reimbursement rules.
Sort Code means a six-digit number which can be found on the front of the Card detail in the app.
Standing Order means regular or recurring payments made to a particular person or organisation.
Strong Customer Authentication means additional security measures to verify that you have authorised certain Transactions or other actions related to the use of your Card and/or Account.
Victim means a Consumer who has fallen victim to an APP Scam payment.
We, Us, Our means PPT and/or Hnry acting as an agent of PPT.
Website means www.hnry.co.uk
Working Day means Monday to Friday, but not including bank or public holidays in England.
You or Your means you, the person that has entered into this Agreement.

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