Terms and Conditions

Dated: 18 April 2019


By downloading and using the HyperJar app (‘App’) you agree to these legal terms (‘Terms’) applying between you and HyperJar Limited (‘HyperJar’/us/we) and that English law and courts will apply. These Terms are made in the English language. Please read these Terms carefully and contact us if anything is unclear.


“Business Day” means a day other than a Saturday, Sunday or public holiday in England when banks are open for business in London.

“Personal Data” means any information that can be used to personally identify you, including information you give to us when you register (e.g. email address) and any information that we collect as you use the App.

“Services” means the products, content, features, technology, functions and services provided by HyperJar, including the App, our websites and any other online, offline, or mobile products and services on or via any platform or technology.

The words “include” or “including” are only for illustration and will not limit the sense of the words following.


3.1       Our company information. The App and the Services are operated and managed by HyperJar, which is registered in England and Wales with its registered office at 55 Baker Street, London, W1U 8EW and company number 10130583.

3.2       How to contact us. You can contact us by:

  • using the chat feature in the App
  • emailing us at: support@hyperjar.com
  • sending mail to us at HyperJar, 1 Burwood Place, London, W2 2UT.

3.3       How we will contact you. We’ll contact you through the chat feature in the App or using the contact details you provided when you registered – please keep these up to date in the App. By using the App you agree to receive electronic communications from us. If we have reasonable concerns either about the security of your HyperJar account or card, or any suspected or actual fraudulent use of your HyperJar account or card, we will contact you via telephone, email, or both (unless contacting you would be unlawful or compromise our reasonable security measures).

3.4       Additional documents. The following additional documents also apply to your use of our Services and should be read in conjunction with these Terms:

  • our privacy policy - we are committed to protecting and respecting your privacy. Our privacy policy explains how we will store, use and share your Personal Data and how you can control and delete it.
  • our cookie policy - this provides information about the ‘cookies’ on our website
  • acceptable use policy - things you can and cannot do with our Services
  • FAQs - answers to common questions and how to guides

3.5       How to get a copy of these Terms. You can always see the most current version of these Terms in the App or on our website www.hyperjar.com. You can download a copy of these Terms at any time and keep them for future reference.

3.6       If we need to send you information in a form you can keep, we will either send you an email or provide information on our website that you can download. Please keep copies of all communications we provide to you.


4.1       We may change these Terms by giving you two (2) months’ prior written notice. You will be considered to have accepted the proposed changes if you do not terminate these Terms by cancelling your account within the App as set out in section 18, or by giving us written notice, during the notice period.

4.2       We may also make some changes immediately, without prior notice, if they:

  • are required by law (we’ll give you as much notice as reasonably possible);
  • relate to the addition of a new service or extra functionality of the App or our Services and do not affect terms relating to the existing Services.

You should stop using the App if you do not agree to the changes. If you keep using the App after we have announced the change, we will consider you have accepted the change.


5.1       You must be at least 18 years old, resident in the UK, and have a UK bank account to use the HyperJar account. By downloading the App and registering for the HyperJar account you confirm that you are 18 or older.

5.2       Getting to know you. We carry out customer due diligence checks on you, and any parties involved in your transactions, in accordance with applicable law. If we ask you to, you agree to promptly provide evidence of your funding sources. You must provide us with complete, accurate, and up to date information at all times. We will not be responsible for any loss arising out of your failure to do so. You agree that we may make, directly or using a third party, any inquiries we believe are necessary to validate information you provide to us, including checking commercial databases or credit reports.

5.3       You can only have one HyperJar account. If we discover that you have more than one HyperJar account, at our discretion we may either merge or close any duplicate accounts, or terminate all of your accounts if we reasonably believe you have opened them in order to bypass any restrictions in the Services.

5.4       You can only use the HyperJar account to carry out transactions for yourself, not on behalf of any other person or legal entity. You also cannot allow anyone else to operate your HyperJar account on your behalf.


6.1       The main purpose of your HyperJar account is to make advance payments to participating merchants. Using your HyperJar account you can pay participating merchants in advance for goods and services that they will provide to you at a later date. In return for this advance payment, merchants will provide rewards and discounts to you.

6.2       The merchant is the promoter and operator of its offers. In the HyperMarket of the App you can browse all available offers from participating merchants. The merchant is solely responsible for its offers and the terms and conditions that apply, as well as for the goods or services it provides to you. You agree to a participating merchant’s terms and conditions each time you choose to make an advance payment to them. This will create a separate contract between you and the merchant for each advance payment. You should review the merchant’s terms and conditions before making any advance payments.

6.3       The merchant is responsible for any advance payments you make to them. The merchant has sole responsibility to honour the advance payments you make by allowing you to purchase goods and services from their participating outlets and online in accordance with their offer terms. Your advance payments are an amount that you have prepaid to the merchant as full or part payment for goods of services that the merchant will provide to you in the future - they are not regulated as electronic money.

6.4       Participating merchants appoint HyperJar as their agent to manage the processing and settlement of advance payments and redemptions on their behalf. HyperJar has no responsibility or liability for the merchant’s offers, its goods or services, or any related disputes or refunds. The participating merchant may in some circumstances instruct HyperJar to retain on the merchant's behalf some or all of the advance payments made to that merchant. Where HyperJar does so, such funds of the participating merchant will be held in a segregated account that holds pooled merchant funds.

6.5       You must spend any advance payments you have allocated to a merchant with that merchant. It is not possible to return funds held by a merchant to your HyperJar account or transfer them to another participating merchant. You may be able to transfer some or all of your advance payments that have been allocated to a merchant to another HyperJar user that wishes to have an advance payment with that merchant. There is no marketplace for these sort of transfers however; you are solely responsible for finding another user who agrees to take part in such a transfer. HyperJar has no responsibility or liability to assist you to find a user and does not guarantee in relation to such a transfer:

  • that any other HyperJar user will want to receive the transfer;
  • that you will be able to locate another HyperJar user to receive the transfer; or
  • the amount of any compensation that the other user may pay you for the transfer, if any.

6.6       How to make an advance payment. You can make advance payments to a participating merchant either by: (i) topping up your HyperJar account first and then allocating money to the merchant, or (ii) transferring money to the merchant directly using your HyperJar account.

6.7       You can also use your HyperJar account for other transactions. You can:

  • hold, send or receive electronic money; and
  • pay bills with certain participating merchants using electronic money.

6.8       The HyperJar account also includes an electronic money account. This electronic money account is separate to any advance payments that you have made to participating merchants. Any funds in your HyperJar account that you have not allocated to a participating merchant as advance payments will be held as electronic money. The electronic money is issued to you by Prepaid Financial Services Limited (‘PFS’), a company registered in England and Wales with its registered office at Fifth Floor, Langham House, 302-308 Regent Street, London, W1B 3AT, UK and company number 06337638. PFS is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (register reference 900036) to issue electronic money and provide payment services.

6.9       Electronic money:

  • will not expire, except when you close your HyperJar account – see sections 18.2 and 19.6 for more details;
  • will not earn any interest or rewards;
  • can be withdrawn at any time subject to certain conditions – see section 10 for more details;
  • will belong to the person that is registered as the holder of the HyperJar account.

6.10     A prepaid contactless card is linked to your HyperJar account. The HyperJar prepaid card is issued to you by CashFlows Europe Limited (‘CashFlows’) pursuant to a licence from Mastercard International Incorporated. CashFlows is registered in England and Wales with its registered office at CPC1, Capital Park, Cambridge, CB21 5XE and company number 5428358. CashFlows is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (register reference 900006).

6.11     HyperJar does not directly hold or process any of your money. HyperJar does not issue or hold electronic money, or provide payment services, but distributes and redeems electronic money on behalf of PFS. Any obligations owed to you under these Terms or under the financial services regulatory system relating to the issue or holding of electronic money, the provision of payment services, or the HyperJar card, are owed by PFS and CashFlows respectively, and not by HyperJar.

6.12     You acknowledge that the UK’s Financial Services Compensation Scheme (‘FSCS’) DOES NOT apply. Your HyperJar account is not a bank account and is therefore not covered by the FSCS. Advance payments you have made to any merchant are at risk if that merchant becomes insolvent and any electronic money in your HyperJar account is at risk if PFS becomes insolvent.

6.13     Limits. There are limits that apply to your use of your HyperJar account and HyperJar card and we also place restrictions on certain transactions, including how often and where you can use your card. Please see our FAQ for a full list of the applicable restrictions and limits.

6.14     More information. For more information about your HyperJar account, its key features, and the steps taken to protect your money, see our FAQ.


7.1       The HyperJar card is a prepaid card. It is not a guarantee card, charge card, debit or credit card. You can activate your card and select your PIN by following the instructions in the App.

7.2       You spend the advance payments that you have made to a participating merchant, and redeem any accrued discounts and rewards, by using your HyperJar card and PIN in store and online. You can also use your HyperJar card and PIN (as required) to access any electronic money in your HyperJar account to:

  • pay for goods and services in store and online anywhere MasterCard is accepted, even if the retailer is not a participating HyperJar merchant; and
  • withdraw money from ATMs in the UK and overseas if you have activated these services.

7.3.      Your authorisation. You agree that any use of your card, card number or PIN constitutes your authorisation and consent to a transaction.

7.4       What happens if the HyperJar card expires? Your HyperJar card has an expiry date, which is printed on it. When it expires, the HyperJar card will stop working. We will send you a new card before the expiry date if you have used your card in the last six months and have a positive balance of advance payments with merchants or any electronic money.

7.5       Replacement cards. If you do not receive a replacement card and want to continue using the HyperJar account you can contact Customer Support using the chat feature in the App and request a new card at any time within the 6 year period from your last activity in the HyperJar account. A fee may apply for replacing your HyperJar card - see [here]. After 6 years of inactivity your HyperJar account will be deleted and you will need to apply again if you want to use the Services.


8.1       The App is free to download and HyperJar does not charge fees for using the HyperJar account. Some ATM providers and merchants may charge you a fee for using your HyperJar card. Any applicable fees charged by HyperJar regarding the HyperJar account and card are set out here.


9.1       The HyperJar account is in £ Sterling only.  We do not accept payments from non-UK bank accounts or non-UK debit cards.

9.2       Paying in. You can load money into your HyperJar account by transferring money from your UK bank account, or by using your UK debit card (this must be in your name). These methods of loading your HyperJar account are provided by third parties (e.g. your bank or debit card provider) and are not part of our Services. We may add additional methods of loading, or stop offering existing methods, at any time without notice to you.

9.3       We will credit your HyperJar account when we receive your money. We will credit your account as soon as possible, subject to our rights set out in section 19 and our right of reversal. If we exercise our rights under section 19, or the money you intended to load does not reach us within a reasonable time, we may need to reverse the transaction and deduct any amount we have already credited to your HyperJar account. If you do not have enough money in your HyperJar account for us to make this deduction, you must reimburse us as soon as possible, as set out in section 10.2.

9.4       Chargebacks: If the method of loading your HyperJar account gives you chargebacks rights (e.g. if you could ask your bank to reverse a transaction from your bank account) you agree you will only exercise this chargeback right if:

  • we have broken these Terms; or
  • there has been an unauthorised use of the bank account or debit card used to load your HyperJar account.

You agree that you will not exercise your chargeback right for any reason that we are not responsible for, such as any dispute you have with a merchant.


10.1     You must have enough funds in your HyperJar account to cover the full amount of any payment, transfer, or withdrawal you wish to make. We may decline your instruction if you do not have sufficient electronic money, if you exceed any applicable limits, or in accordance with section 19.

10.2     Obligation to repay. You cannot have a negative balance in your HyperJar account. Some transactions that take your HyperJar account below zero may still go through. If that happens, you must repay the amount owing to us immediately, without requiring notice from us to do so. If you do not, we may suspend your use of your HyperJar account. We may also take other reasonable steps to recover the amount owing to us (such as taking legal action or using debt collection services) and charge you for the cost of these services.

10.3     Confirming and cancelling. You enter your passcode and follow the steps in the App to make payments, transfers and withdrawals. You will be prompted in the App to confirm the details of the payment, transfer or withdrawal you wish to make and once confirmed you cannot cancel your instruction.

10.4     We will deduct the amount of your payment, transfer, or withdrawal from your HyperJar account immediately. If you are making an advance payment to a participating merchant, or transferring electronic money to another registered HyperJar user, we will credit this amount to the merchant or HyperJar user as soon as possible.

10.5     The methods of withdrawing funds out of your HyperJar account are provided by third parties (e.g. the bank where you have your bank account) and are not part of our Services. We do not have any control over the amount of time it may take for a recipient’s bank or payment provider to credit funds to the recipient, but would generally expect this to take less than three Business Days.

10.6     Additional methods. We may add additional methods of withdrawing, or stop offering existing methods, at any time.

10.7     Unregistered users. If you transfer funds from your HyperJar account to an unregistered user, we will not be able to credit the money until the person claims the funds in the way we instruct. Until this time the money will still belong to you and we will refund it if the person does not claim the money (for example if they fail our registration process, or do not claim it within the notified time limit).


11.1     Receiving transfers. You can receive a transfer into your HyperJar account from another registered HyperJar user, or from any third party that sends you a gift of electronic money through our website. We will credit your account with any such transfer (whether it is a transfer of electronic money or a transfer of an advance payment) as soon as possible, subject to our right of reversal.

11.2     Deductions. You agree that we may need to deduct any transfer you receive if:

  • the sender, or any relevant payment services provider, reverses the transaction;
  • the sender made the transfer to you by mistake; or
  • we exercise our rights under section 19.


12.1     Keep your HyperJar account safe. Please keep your mobile phone, your HyperJar card, card number, CVV, and PIN, and the passcode to your HyperJar account, safe and secure at all times. Do not write down or tell anyone your PIN or passcode, and do not share your HyperJar card, or allow anyone else to access your HyperJar account. Please see our FAQ for more detail of how to keep your account safe.

12.2     Contact us if you suspect your HyperJar account may be compromised. Contact us using the chat feature in the App immediately (and change the passcode to your HyperJar account) if:

  • you think your HyperJar account may be used without your authorisation or is otherwise compromised; or
  • someone else finds out the passcode for your HyperJar account.

12.3     Contact us if you suspect your HyperJar card may be compromised. If your HyperJar card is lost, stolen, used without your authorisation or otherwise compromised, or someone else finds out the PIN, you must as soon as possible:

  • block the card from use in the App; and
  • contact us using the chat feature in the App to arrange for a replacement.

12.4     Check the transactions in your HyperJar account regularly. All of your transactions are displayed in the App, in the transaction history section of your HyperJar account. You must contact us immediately using the chat feature in the App if you see transactions that you don’t recognise or that look wrong. We might be able to refund money you have lost if the transaction is due to our mistake, fraud, or errors with your transaction (see section 16.7). If you don’t tell us about any unauthorised or incorrectly initiated or executed transactions immediately, and at the latest within 13 months from the transaction, you may not be entitled to have any errors corrected or money refunded. You also may not be able to claim a refund if:

  • you have broken these Terms;
  • you gave us incorrect instructions for the transaction (we may reasonably assist you to recover the funds, where possible, but do not guarantee that this would be successful); or
  • any losses are not the direct result of our action.

12.5     You must not misuse our App:

  • don’t try to access the App using a method other than the interface and the instructions that we provide, for example by using automated means without our permission (including harvesting bots, robots, spiders, or scrapers);
  • don’t do anything that could disrupt, disable, overburden, or damage the App, such as a denial of service attack; and
  • don’t upload viruses or other malicious code.


13.1     Your right to use the App. Our Services, including the App, contain software, technology, confidential information and other content that is protected by intellectual property rights and other laws. We license you the right (a personal, revocable, non-transferable, non-sublicensable and non-exclusive licence) to use the App on your device to access our Services provided you comply with these Terms and any applicable rules of the appstore provider or operator (App Store and Google Play).

13.2     We remain the owners of the App. You do not have any right to our Services, including the App, other than to use them in accordance with the licence granted in section 13.1. Except as allowed by law or by HyperJar, you cannot use, distribute, reproduce, modify, copy, adapt, publish, translate, create derivative works from, transfer, loan, rent, sell, publicly perform or publicly display any part of our App, Services, or included platform or software. You also cannot reverse engineer, decompile, disassemble or attempt to extract the source code of that platform or software.


14.1     App updates. Software updates for the App may be issued through App Store or Google Play from time to time. In some cases (for example if there are security risks), you may not be able to use the App until you have installed the updated version and accepted any new terms.

14.2.    HyperJar’s responsibilities in providing the App. Other than as expressly set out in these Terms, we do not make any specific promises about the App. For example, we do not make any commitments about the content within the App, the specific functions of the App or its accuracy, reliability, availability or ability to meet your needs. We do not guarantee that our Services will be uninterrupted or that they will always be available. Occasionally, we may have to interrupt your use of the App; if we do, we will restore your access as quickly as we can. We cannot guarantee that the App will be free from bugs or viruses, or never be faulty.


15.1     We respect other people’s rights, and expect you to do the same. You cannot use our Services, including the App, in any way that infringes or violates HyperJar’s or anyone else’s copyright, trade mark or other intellectual property rights or otherwise breaks any applicable law.

15.2     The App displays content that we do not own and we are not responsible for. Branding, trade marks, service marks, logos and content used in the App may belong to HyperJar or someone else, such as a participating merchant. You may not use content from any of our Services, including the App, unless you get permission beforehand from us or the owner of the content, or you are permitted by law.


16.1     We are responsible to you for foreseeable loss and damage caused by us. We will be responsible to you for any loss or damage you suffer that is a foreseeable result of us breaking these Terms, or of our failing to use reasonable care and skill. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the Terms were agreed, both we and you knew it might happen.

16.2     We do not exclude or limit our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors, or for fraud or fraudulent misrepresentation.

16.3     We will not be liable or responsible:

  • for any act or omission of a participating merchant, including a participating merchant failing to honour an offer or reward;
  • for the advance payments made to a participating merchant;
  • for the goods or services that you purchase with your HyperJar account or HyperJar card;
  • for any content or advertising material in the App that is provided by participating merchants. Participating merchants are responsible for ensuring that all of their content is accurate;
  • any retailer (not just a participating merchant) failing to accept your card payment;
  • for an ATM not dispensing cash;
  • if you have misused your HyperJar account or HyperJar card or acted fraudulently;
  • for any business losses. If you use the App for any commercial or business purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity;
  • if for any reason our Services are unavailable at any time; or
  • for websites or apps linked to, and from, our website, including any content on them.

16.4     Your liability to us. You will be responsible to us for any loss or damage we suffer that is a foreseeable result of you breaking these Terms, failing to comply with applicable law, or misusing our Services. In the unlikely event of any losses, claims, costs or liabilities arising out of your breach of these Terms, any applicable law, and/or your use or misuse of our Services, you agree to compensate us and our affiliates and hold us harmless.

16.5     Neither of us will be liable to the other for:

  • any loss or damage that is not foreseeable;
  • any loss or damage that is not the direct consequence of your or our respective action; or
  • things that are outside of your or our respective reasonable control.

16.6     We can deduct money from your HyperJar account if you owe us money. You agree that we have the right to deduct any amounts that you owe us from time to time from the electronic money in your HyperJar account. If you do not have enough electronic money in your account to repay the amount you owe, we may take other reasonable steps to recover this amount (such as taking legal action or using debt collection services) and charge you for the cost of these services.

16.7     Our liability to you for unauthorised payments or our mistake. If any unauthorised transaction is due to our error, we will on your request immediately correct the error and refund the payment or withdrawal (if relevant). This shall not apply:

  • where your mobile phone, HyperJar account or its passcode, HyperJar card or its PIN, are lost, stolen or used without your authorisation. You will be liable for the first GBP £35 of any unauthorised payments if we believe you should have been aware of the loss, theft or unauthorised use. We will not hold you liable for the first GBP £35 if the unauthorised payment was caused either by our act or omission, or those of a third party expressly carrying out activities on our behalf. Your liability for the first GBP £35 also does not apply to any unauthorised transactions made after you have notified us that your HyperJar account or HyperJar card may have been compromised (using the details we’ve given you);
  • if you have acted fraudulently, in which case we will not refund you in any circumstances;
  • if you do not promptly notify us of security issues (for example loss of your HyperJar card), you will be liable for any losses you incur up to the time you notify us;
  • if you have with intent or gross negligence compromised the security of your HyperJar account or HyperJar card or failed to comply with your obligations to use them in accordance with these Terms. In these cases you will be solely liable for all losses; or
  • if you don’t let us know about the unauthorised or incorrect transaction within 13 months from the date of the transaction.


17.1     Merchant complaints. If your dispute or complaint is in relation to a participating merchant’s offer, or goods or services you purchased from a participating merchant or any other retailer with your HyperJar account or HyperJar card, you must settle it with that merchant or retailer.

17.2     HyperJar complaints. If you have a complaint about the HyperJar Services, please contact us using our customer complaint procedure [hyperlink]. If you’re still unhappy, you can refer your complaint to the Financial Ombudsman Service - their website is: www.financial-ombudsman.org.uk.


18.1     You can close your HyperJar account at any time by contacting Customer Support using the chat feature in the App. You will need to repay us any money you owe us before you close your account. We will terminate your HyperJar account and HyperJar card and transfer any remaining electronic money in your HyperJar account to your chosen UK bank account.

18.2     Withdraw your funds. If you still have funds in your HyperJar account when you close it, you should withdraw these in accordance with section 10 either before you close the account, or within a reasonable period of time following its closure. If you still have electronic money in your HyperJar account when you close it, we will maintain your account for 6 years from the date of closure and you can contact us to withdraw the electronic money during this time. At the end of the 6 year period we will donate any remaining unclaimed electronic money to a charity of our choice.

18.3     Any advance payments that have been allocated to a merchant cannot be returned. You must spend any such advance payments at that merchant (or transfer the value of them to another HyperJar user) before you close your account, otherwise you will lose all of these funds.

18.4     Rewards will expire. Any rewards you have accrued with a participating merchant, but not redeemed, cannot be transferred and will expire when your HyperJar account is closed.


19.1     We may end these Terms by giving you two months’ notice. We may give you two months prior notice at any time that we are closing your HyperJar account or any associated Services and ending these Terms.

19.2     We may end or suspend these Terms without notice in certain circumstances. We may without notice suspend or close your HyperJar account and your HyperJar card immediately at any time, or block any transactions, if:

  • we suspect criminal activity on your account, or that your account is being used fraudulently;
  • we reasonably believe you are in breach of applicable law;
  • we are legally required to do so;
  • you have broken these Terms or gone over any applicable limits;
  • you have given us false information;
  • you have been abusive to anyone at HyperJar;
  • you have not accepted changes to these Terms;
  • we suspend or stop all, or part of, the Services;
  • we have reasonable concerns about the security, or unauthorised use, of your HyperJar account or your HyperJar card; or
  • your HyperJar account has a negative balance and you haven’t repaid the amount owing to us.

19.3     We may also block any transaction if your instructions are unclear, incomplete or contain an error.

19.4     We will give you notice of suspension where possible. We will give you notice of any suspension and the reasons for such suspension as soon as we can, either before the suspension is put in place, or immediately after, unless it would compromise our reasonable security measures or be otherwise unlawful. We will lift the suspension as soon as practicable once the reasons for the suspension have ceased to exist.

19.5     Registered but not activated. If you have registered for, but not activated or used, your HyperJar account or card within 12 months from registration, your HyperJar account will become inactive and we may close it. If we close your account, you will need to reregister to be able to use it.

19.6     Inactivity. If you do not use your HyperJar account for 12 months, your account will become inactive and you will no longer be able to access it. If you have electronic money or advance payments allocated to a merchant in your HyperJar account, we will maintain your account for 6 years from the date your account becomes inactive. You can contact us to reactivate your account to withdraw the electronic money and spend any such advance payments (or transfer the value of them to another HyperJar user) and use any rewards you have accrued with the relevant participating merchant during this time. At the end of the 6 year period: (i) we will close your account if it is still inactive and donate any remaining unclaimed electronic money to a charity of our choice; (ii) you will lose any remaining advance payments allocated to a merchant, as set out in sections 18.3 and 18.4; and (iii) any rewards you have accrued, but not redeemed, will expire.

19.7     When these Terms end you will not be able to use the App. All rights granted to you under these Terms shall cease and you must immediately delete or remove the App from your device.


20.1     Transferring these Terms. You may only transfer your rights or your obligations under these Terms to another person if we agree to this in advance in writing. We can transfer these Terms, or any right or obligation under these Terms, at any time by giving you two months’ notice. This does not affect your rights to close your account as set out in section 18.

20.2     Nobody else has any rights under these Terms. These Terms are between you and us. No other person shall have any rights to enforce any of its terms. Neither of us will need to get the agreement of any other person in order to end the Terms or make any changes to these terms.

20.3     Even if we delay in enforcing these Terms, we can still enforce them later. We may choose to ignore it if you break the Terms, or we may choose not to enforce a particular term. But even if we do this, we can still choose to enforce that term or take action because you break that or any other term in the future.

20.4     Mobile network charges. The App may require the use of data access and text messaging and you are responsible for any charges that your mobile network provider may apply.