Terms & Conditions

2. Who can use Arthur

To use the app, you must:

• Be at least 18 years old and use Arthur for your own personal, non-business purposes.
• Use a compatible iOS device and an internet connection.
• Only connect accounts you are entitled to access and authorised to share information from.

Connections depend on the personal accounts and providers Arthur and Finexer support, and on your bank making the relevant information available. Not every account, provider or country is supported. Contact us if you are unsure whether your account is eligible.

3. What Arthur does

Arthur helps you understand bank-sourced financial information and plan around your own priorities. Its tools include spending summaries and insights, Pace, category budgets and envelopes, bill tracking, calendars and forecasts.

Transaction records come from connected accounts. Arthur does not provide a way to manually add transactions. You can make planning choices, such as setting budgets, changing categories and identifying which existing payments are recurring bills.

• Pace and budgets: these organise information around your pay cycle and planning choices. An amount shown as available or left to spend is an estimate, not a guarantee that a purchase is affordable or that your bank will permit it.
• Envelopes: these are budgeting allocations within Arthur. They do not create separate bank accounts, move money or ring-fence funds.
• Bills and recurring payments: detection and reminders can help you plan, but may miss a payment or identify one incorrectly. Arthur does not pay, cancel or change bills or subscriptions.
• Forecasts and credit-card estimates: calculations depend on available account information, the assumptions shown and your choices. Actual income, spending, interest, fees and payment dates may differ. Check the assumptions and your provider's statements.

Arthur's tools are for neutral budgeting and information. They do not provide personalised investment, debt or other financial advice, or recommend which debt you should repay first. You decide what action to take. Seek appropriately qualified advice if you need a recommendation for your circumstances.

4. Connecting accounts and Finexer

ARTHUR FINANCIAL TECHNOLOGIES LTD is registered on the Financial Conduct Authority Register as an agent of Finexer Ltd for the provision of Account Information Services under the Payment Services Regulations 2017. Finexer Ltd is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 as an Authorised Payment Institution (Firm Reference Number 925695).

Arthur supplies the budgeting app under these Terms. The regulated Account Information Service (“AIS”) is provided through Finexer under its separate End User Terms, presented before you connect. Finexer remains responsible for that regulated service, including when Arthur acts as its registered agent. Your bank account remains governed by your agreement with your bank.

You choose the accounts and permissions in the connection journey and authenticate directly with your bank. Do not give Arthur your bank password, PIN or one-time security codes. Access may need to be reconfirmed or reauthorised to continue.

Arthur does not hold customer money, operate a bank account for you or initiate payments. Connecting an account does not authorise Arthur to transfer money. Your bank or card provider does not endorse Arthur unless we expressly say so.

You can withdraw access using the app's connection controls, your bank or Finexer. Withdrawal stops further collection; it does not automatically delete history already saved in Arthur. To remove saved information for a disconnected account, email privacy@arthur-app.com. Account deletion and any necessary retention are explained in our Privacy Policy.

5. Keeping information useful and your account secure

We will provide Arthur with reasonable care and skill. Bank updates can be delayed, incomplete or unavailable, and categorisation and recurring-payment detection can be wrong. Tell us if something looks incorrect so we can investigate. Check important amounts and payment obligations against your bank or provider's records, particularly before making a financial commitment.

Keep your sign-in details and device secure. Do not share passwords or verification codes, and tell us promptly if you suspect unauthorised access. You are responsible for reasonable precautions, not automatically for every action taken through your account. Nothing here transfers responsibility for our own security failures to you.

Keep the app and iOS updated so that security fixes can take effect. Your mobile network or internet provider may charge you for connectivity.

6. Availability and updates

Access to Arthur may be interrupted for maintenance, updates, security reasons or circumstances outside our reasonable control. We do not guarantee uninterrupted availability or compatibility with every device or bank. We will take reasonable steps to address faults we are responsible for and communicate significant interruptions where practical.

We may change features for security, legal or technical reasons, or to improve the app. If a change materially reduces the service you use, we will explain it and give reasonable advance notice where possible. You can stop using Arthur and close your account if the changed service does not suit you.

7. Fair use

You must not:

• Use Arthur unlawfully, fraudulently or to access someone else's information without authority.
• Interfere with the app, website or connected systems, introduce malicious code or bypass security controls.
• Use automated tools to extract private app data or overload our systems.
• Copy, sell or redistribute the app, or reverse engineer it, except where the law permits.
• Submit unlawful, misleading or infringing material.

Normal search-engine indexing of public website pages is permitted. You may link to our public pages lawfully, provided the link does not imply an endorsement or relationship that does not exist.

8. Other services and links

Your device, bank and any separate services you choose to use have their own terms. We do not control independent websites linked from Arthur. A link is not an endorsement. This does not exclude our responsibility for services we provide through our suppliers, our own actions or any responsibility imposed by law. The separate Finexer agreement described in section 4 governs the regulated AIS.

9. Our responsibility if something goes wrong

If we breach these Terms or fail to use reasonable care and skill, we are responsible for loss or damage you suffer that is a foreseeable result. Loss is foreseeable if it is an obvious consequence or if, when we made this agreement, both you and we knew it might happen.

We are not responsible for a loss to the extent it was caused solely by something outside our reasonable control and not by our breach, negligence or failure to take reasonable steps to prevent or reduce it. A bank outage or a problem with third-party data does not, by itself, remove any responsibility we have for our own handling of that problem.

Arthur is for personal use. We are not responsible for business losses such as lost business profits or business interruption arising from use outside that purpose.

Nothing in these Terms excludes or limits liability for fraud or fraudulent misrepresentation, death or personal injury caused by negligence, or any liability or remedy that the law does not allow us to exclude or limit. Your statutory consumer rights and rights relating to regulated account information services are unaffected.

10. Closing your account and deleting information

You can stop using Arthur at any time. In the iOS app, go to Settings → Your account → Delete Arthur account to request account deletion. If you cannot access this option or sign in, email privacy@arthur-app.com for help.

Deleting the app from your device does not close your Arthur account, withdraw bank access or delete saved information. Disconnecting a bank and deleting an Arthur account are also different actions. Our Privacy Policy explains what is deleted, what may need to be retained and how to exercise your information rights, including how we handle backup copies and any records we must lawfully retain.

To end ongoing bank access, withdraw the relevant connection consent. If you need help doing this before or while closing your account, contact us or Finexer.

11. Restricting or ending access

We may temporarily restrict app access where reasonably necessary to protect security, investigate suspected unlawful use, address a serious breach of these Terms or meet a legal requirement. We will keep restrictions proportionate, review them and restore access when the reason no longer applies, where lawful and practical.

Where possible, we will explain the reason, how to contact us and any steps you can take. We may act without advance notice where an immediate security risk or the law requires it. If we end your app access or stop offering Arthur, we will give reasonable notice where possible and explain your data options. This does not override any notice, termination or other protections under Finexer's regulated agreement or applicable law.

12. Changes to these Terms

We may change these Terms to reflect changes in law or regulation, security requirements, technical developments or the features and way Arthur is provided. We will publish the revised text and its effective date.

For a material change affecting existing app users, we will also send direct notice by email or an in-app message that you can keep or reopen. We will explain what is changing, why and when it takes effect, with reasonable advance notice unless a legal requirement or urgent security issue means we need to act sooner. Where your express agreement is required, we will ask for it.

You can end your use and close your account before a change takes effect if you do not accept it. Changes do not retrospectively remove rights or remedies you already have. Changes to Finexer's regulated terms follow the notice and acceptance process in that separate agreement.

13. Our content and your feedback

The Arthur app, website, branding, designs and software are owned by us or our licensors. We give you permission to use the app and website for their intended personal purposes while these Terms apply. This does not transfer ownership of your personal information to us or limit your data-protection rights.

If you choose to send feedback, we may use the suggestion to improve Arthur without paying you, unless we agree otherwise. We still handle personal information in that feedback under our Privacy Policy.

14. Questions and complaints

• Arthur app or website: email hello@arthur-app.com. Tell us what happened and how you would like us to put it right. We will investigate and keep you informed of the outcome.
• Account Information Services: contact us or email Finexer at complaints@finexer.com. We will pass complaints about the regulated AIS to Finexer. Section 14 of its End User Terms explains response times and the right to refer an eligible complaint to the Financial Ombudsman Service if unresolved. The Ombudsman route concerns the regulated service, not every Arthur product query.
• Privacy: email privacy@arthur-app.com. Our Privacy Policy explains our complaints process and your right to complain to the Information Commissioner's Office.

Using a complaints process does not take away your right to bring a legal claim.

15. Other legal points

We may transfer this agreement to another organisation as part of a reorganisation or sale, but we will tell you and ensure your rights under it are not reduced. You may not transfer your Arthur account to someone else. If part of these Terms cannot be enforced, the rest continues to apply. A delay in enforcing a right does not mean that right has been waived.

These Terms govern Arthur's app and website. They do not replace your bank's agreement, Finexer's regulated agreement or rights that apply by law.

16. Governing law and courts

These Terms are governed by the law of England and Wales. You can bring proceedings in the courts of England and Wales. If you live in Scotland or Northern Ireland, you can also bring proceedings in your local courts. Nothing here takes away mandatory consumer protections or court rights that apply where you live.

Last updated 16 October 2026