Gravy Technologies Limited - Terms and Conditions
Last Updated: 30 January 2026
These Terms apply to your use of the Gravy mobile application (the App), the Gravy website (the Website) and the services described below. They form the agreement between you and Gravy Technologies Limited (Gravy, we, us), company number 16715096, registered office 88 Pentney Road, London SW12 0NY. By using the App or Website you agree to these Terms and to our Privacy and Cookie Policy. Gravy Technologies Limited (FCA Reference: 1049972) is a registered Agent of Yapily Connect Ltd, which is authorised and regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 for the provision of Account Information Services. All content is general information only and does not constitute financial advice. You must be at least 18 years old to use the Service.
1. Our agreement
1.1 Gravy Technologies Limited is a company registered in England and Wales (16715096) with registered office at 88 Pentney Road, London SW12 0NY.
1.2 Gravy Technologies Limited (FCA Reference: 1049972) is a registered Agent of Yapily Connect Ltd, which is authorised and regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 for the provision of Account Information Services.
1.3 By accessing or using the App or Website you confirm that you accept these Terms. If you do not agree you must not use the Service.
1.4 These Terms together with our Privacy and Cookie Policy set out your rights and responsibilities to us and our rights and responsibilities to you.
1.5 We recommend that you save a copy of these Terms for reference.
2. The Service
2.1 Gravy provides a personal finance information and money management service that helps you consolidate and track your financial information.
2.2 Features may include viewing connected account information, spending insights, budgeting tools, subscription views, payment initiation where supported and selected third party services.
2.3 We do not intend to provide any legal, tax, or financial advice through your use of Gravy. Consult a professional financial advisor for advice on your specific situation and before making any financial decisions. Gravy cannot provide you with investment advice (such as recommending a particular investment strategy or investment). We do not offer tax, investment, or financial advice. Please independently consult a suitably financial advisor or authorised accountant before implementing any financial decisions.
2.4 Gravy is not endorsed by any provider of your personal accounts.
3. Access to the Service
3.1 Access is through the App or Website. Your use of the App is subject to the terms of the app store.
3.2 You are responsible for ensuring that your device meets system requirements and for installing updates.
4. Trusted Partners
4.1 We work with selected third parties to provide parts of the Service including open banking connectivity, payment initiation, identity verification and hosting.
4.2 Our Trusted Partners may rely on these Terms where relevant.
5. Access to personal accounts
5.1 Some features require connecting your personal accounts using regulated open banking technology provided by our Trusted Partners.
5.2 When you connect an account you authorise us and our Trusted Partners to access information about that account on your behalf.
5.3 You agree that we act as your representative when retrieving information.
5.4 You confirm you are the legal owner of the data and have authority to allow access.
5.5 You grant us and our Trusted Partners a licence to use account information for all purposes connected with the Service. We may also use anonymised aggregated information.
5.6 You may withdraw consent by removing accounts or contacting your bank.
5.7 We do not check the accuracy of information provided by your bank.
6. Payment initiation and variable recurring payments
6.1 The Service may allow you to initiate payments including variable recurring payments where supported by your bank.
6.2 You will authenticate directly with your bank.
6.3 You are responsible for confirming payment details.
6.4 We may decline or delay a payment if we believe it is fraudulent or cannot be processed.
7. Privacy and cookies
7.1 Use of the Service constitutes agreement to our Privacy and Cookie Policy.
8. Your behaviour
8.1 You must not interfere with or disrupt the Service.
8.2 You must not introduce harmful code.
8.3 You must not use unauthorised automated tools.
8.4 You must not modify or reverse engineer any part of the Service.
8.5 You must not imply any association with Gravy where none exists.
9. Third party services
9.1 The Service may contain links to third party websites or services.
9.2 We do not control or endorse them.
9.3 Your use of third party services is at your own risk.
10. Charges
10.1 You are responsible for any data or mobile charges.
11. Our Right to Vary These Terms
11.1 We may update these Terms for the following reasons:
- Changes to the features or functionality of the Service
- Changes in our costs of providing the Service
- Changes in technology or systems we use
- Changes in law, regulation, or industry codes of practice
- Decisions by courts or regulators
- To improve clarity or correct errors
11.2 We will give you reasonable notice of changes, typically at least 30 days before they take effect. For changes required by law or that benefit you, we may give shorter notice.
11.3 We will notify you of changes via email or through the App and will clearly explain what is changing and when.
11.4 If you do not agree to any changes, you may close your account before the changes take effect. Continued use of the Service after changes take effect constitutes acceptance.
12. Warranties
12.1 The Service is provided on an as is and as available basis.
12.2 We do not give any assurance or warranty of any kind.
12.3 We do not guarantee uninterrupted or error free access.
13. Our liability
13.1 We are responsible for loss or damage you suffer that is a foreseeable result of our breach or failure to use reasonable care and skill.
13.2 The Service is for personal use only. We are not liable for business losses.
13.3 Nothing in these Terms excludes liability for death or personal injury caused by our negligence or for fraud.
14. Indemnity
14.1 You agree to compensate us and our Trusted Partners for any loss arising from your breach of these Terms or misuse of the Service.
15. Linking to the Website
15.1 You may link to pages on the Website in a fair and lawful manner.
15.2 You must not suggest endorsement by Gravy without written permission.
15.3 You must not frame the Website.
16. General provisions and applicable law
16.1 You may not transfer your rights under these Terms without our consent.
16.2 We may transfer our rights and obligations under these Terms to another organisation. We will give you at least 30 days written notice of any such transfer. If you object to the transfer, you may close your account before the transfer takes effect. Any transfer will not reduce the protections you have under these Terms.
16.3 If any provision is unlawful the remainder continues in force.
16.4 These Terms are governed by English law.
16.5 Disputes may be brought before the courts of England and Wales or where you reside in Scotland or Northern Ireland.
17. About Gravy
Gravy Technologies Limited
Company number 16715096
Registered office 88 Pentney Road, London SW12 0NY
Gravy Technologies Limited (FCA Reference: 1049972) is a registered Agent of Yapily Connect Ltd for the provision of Account Information Services. All content is general information only and does not constitute financial advice.
18. AI-Powered Features
18.1 The Service uses artificial intelligence and machine learning technologies to provide insights, recommendations, and responses through our chat assistant and analytics features.
18.2 AI-generated content is produced by automated systems that analyse your financial data and other information. While we strive for accuracy, AI outputs may contain errors, omissions, or inaccuracies due to the nature of these technologies.
18.3 You acknowledge that AI features:
- Generate responses based on patterns in data and may not account for all relevant factors
- May produce different outputs for similar queries
- Should not be relied upon as the sole basis for financial decisions
18.4 AI-generated insights and suggestions are informational only and do not constitute financial, legal, or tax advice. You remain responsible for verifying any information and making your own informed decisions.
18.5 We continuously improve our AI systems and the outputs they produce may change over time without notice.
19. Alerts and Notifications
19.1 The Service may provide alerts, notifications, and reminders relating to your spending, goals, subscriptions, and account activity.
19.2 The delivery and accuracy of alerts depends on several factors outside our control, including:
- The speed at which your bank makes transaction data available
- Network connectivity and device settings
- The timeliness of information received from third parties
19.3 Alerts are generated based on information available to us at the time of sending and may not reflect your most recent transactions or current account balances.
19.4 You should not rely solely on alerts for time-sensitive financial decisions. We recommend regularly reviewing your accounts directly with your bank.
19.5 You may manage your notification preferences within the App settings at any time.
20. Eligibility and Registration
20.1 To use the Service you must:
- Be a resident of the United Kingdom
- Be at least 18 years of age
- Have the legal capacity to enter into a binding agreement
- Not be prohibited by applicable law or regulation from using the Service
20.2 By creating an account you confirm that you meet all eligibility requirements. We reserve the right to refuse or revoke access if you do not meet these criteria.
20.3 You must provide accurate and complete information during registration and keep this information up to date. You can update your details within the App or by contacting us at ali@gravyme.com.
20.4 We may verify the information you provide using identity verification services, public databases, or by requesting documentation such as government-issued identification. We reserve the right to suspend or terminate your account if we cannot verify your identity or information to our satisfaction.
20.5 Registration and continued access is subject to our approval. We may decline or withdraw access at our discretion where required for regulatory compliance, fraud prevention, or risk management purposes.
21. Account Security
21.1 You are responsible for maintaining the confidentiality of your login credentials, including any passwords, PINs, or biometric data used to access the App.
21.2 You must notify us immediately at ali@gravyme.com if you:
- Suspect unauthorised access to your account
- Believe your login credentials have been compromised
- Notice any suspicious activity or errors in your account
21.3 If you suspect unauthorised access to any bank account linked to the Service, you must also notify your bank immediately.
21.4 We may suspend access to your account without prior notice if we reasonably believe:
- Your account security has been compromised
- Unauthorised persons are attempting to access your account
- Your account is being used for fraudulent or unlawful purposes
21.5 You agree to cooperate with us, law enforcement, and regulatory authorities in any investigation relating to suspected unauthorised use or security breaches affecting your account.
22. Electronic Communications
22.1 By using the Service you consent to receive all communications from us electronically, including notices, disclosures, agreements, and other information.
22.2 Electronic communications may be delivered via:
- Push notifications to your device
- In-app messages
- Email to the address associated with your account
- SMS to the mobile number associated with your account
22.3 You are responsible for ensuring your contact details are current and that your device settings permit receipt of our communications.
22.4 Electronic communications shall be deemed received when sent by us, regardless of whether you actually receive or read them, provided we have sent them to the contact details in your account.
22.5 In the event of suspected fraud or security threats, we will attempt to contact you using the fastest available method.
22.6 You may request paper copies of specific communications by contacting us at ali@gravyme.com, though we are not obligated to provide them.
23. Account Suspension
23.1 We may suspend your access to the Service in whole or in part if:
- You breach these Terms
- We are unable to verify your identity or information
- We suspect fraud, money laundering, or other unlawful activity
- Your connected bank withdraws or restricts our access to your account data
- Required by law, regulation, or a court order
- Necessary to protect the security or integrity of the Service
23.2 Where possible, we will notify you before suspending your account and provide reasons for the suspension. In urgent cases involving security or suspected fraud, we may suspend first and notify you afterwards.
23.3 During suspension you will not be able to access some or all features of the Service.
23.4 If the reason for suspension is resolved, you may request reinstatement by contacting us at ali@gravyme.com. We will review your request and inform you of our decision.
23.5 We are not liable for any losses arising from suspension of your account in accordance with these Terms.
24. Account Closure and Its Effects
24.1 You may close your account at any time through the App settings or by contacting us at ali@gravyme.com. We will process closure requests within 30 days.
24.2 We may close your account by giving you at least 14 days written notice. We may close your account immediately if:
- You materially or repeatedly breach these Terms
- You provide false or misleading information
- Continued provision of the Service would expose us to legal or regulatory risk
- Required by law or regulation
24.3 Upon account closure:
- Your right to access and use the Service ends immediately
- We will cease accessing data from your connected accounts
- Your personal data will be handled in accordance with our Privacy Policy
- We will retain data where required by law, regulation, or for legitimate business purposes
24.4 Closure does not affect any rights or obligations that accrued before closure, including any indemnities you have given us.
24.5 Provisions of these Terms that by their nature should survive termination will remain in effect after your account is closed.
25. Complaints
25.1 If you are dissatisfied with any aspect of the Service, please contact us at ali@gravyme.com. We aim to resolve complaints promptly and fairly.
25.2 We will acknowledge your complaint within 5 business days and endeavour to provide a full response within 8 weeks of receipt.
25.3 Using the complaints process does not affect your right to take legal action.