1.1 By Using Our Site You Accept These Terms and Conditions

Please read these Terms and Conditions (“Terms”) carefully and ensure that you understand them before using our Website. By accessing or using the Website, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please stop using the Website immediately. These Terms are effective as of 11/03/26.

Your use of the Website indicates your agreement to comply with these Terms.

1.2 The following documents also apply to your use of the Website:

• Privacy Policy
• Cookie Policy

In these Terms, unless the context otherwise requires, the following expressions have the following meanings:

• “Content” means any and all text, images, audio, video, scripts, code, software, databases, and any other form of information capable of being stored on a computer or other device that appears on, or forms part of, the Website.
• “We/Us/Our/Kixy” refers to Kixy Ltd, a company registered in United Kingdom, with our registered address at 40 Gracechurch Street, London, EC3V 0BT.
• “User(s)” refers to anyone who accesses or uses the Website.

3.1 The Website is operated by Kixy. We are a limited company registered in England and Wales with company number 11201126. Our registered address is 40 Gracechurch Street, London, EC3V 0BT.

3.2 We are authorised and regulated by the Financial Conduct Authority as a Small Payment Institution.

4.1 Access to the Website is free of charge.

4.2 It is your responsibility to ensure you have the necessary technology and internet access to use the Website.

4.3 Access to the Website is provided on an “as is” and “as available” basis. We may suspend or discontinue the Website (or any part of it) at any time. We do not guarantee the availability or uninterrupted access to the Website.

4.4 You are responsible for ensuring that anyone who accesses our site through your internet connection is aware of these Terms and complies with them.

4.5 We may block or restrict access to the Website for users located outside of the United Kingdom at any time.

6.1 We may update these Terms at any time. Please review them periodically to see if any changes affect you. Your continued use of the Website indicates your acceptance of any updated Terms.

6.2 If any part of these Terms conflicts with previous versions, the updated version shall prevail.

7.1 All Content included on the Website is owned or licensed by Kixy unless otherwise indicated. It is protected by UK and international intellectual property laws.

7.2 You may access, view, and use the Website in a web browser and may download the Website (or any part of it) for personal, non-commercial use. You may print copies or download extracts for personal use only. You may also share content posted on our Website with others, but you must make them aware of these Terms when doing so.

7.3 You must not use any Content from the Website for commercial purposes without obtaining a license from Kixy or its licensors.

7.4 If we believe that you have violated these Terms, we will suspend or terminate your access to the Website. If requested, you must also return or destroy any copies of materials you have made.

9.1 You may link to the homepage of the Website only. Any other links to the Website require our express written permission.

9.2 Links must be fair, lawful, and not damage our reputation or imply any association without our consent.

11.1 The content on the Website is for general information purposes only and is not intended to provide professional advice.

11.2 We make reasonable efforts to ensure the content is accurate and up to date, but we cannot guarantee that it will always be error-free or complete.

12.1 We do not exclude or limit our liability for fraud, death, or personal injury caused by negligence.

12.2 For business users, we do not accept liability for any indirect or consequential damages, loss of profit, business, or revenue.

13.1 While we strive to ensure the Website is secure, we do not guarantee it is free of viruses or malware.

13.2 You are responsible for securing your own devices and data against malware and other security risks.

Some services described or referenced on the Website may be provided by third-party service providers.

Where this is the case, those services are subject to the relevant third party's own terms and conditions and privacy policies. We do not control, and are not responsible for the performance or availability of third-party services.

These Terms are governed by and constructed in accordance with the laws of England and Wales.

Any disputes arising from or in connection with these Terms will be subject to the exclusive jurisdiction of the English courts.

18.1 Kixy Trademark

The name “Kixy” and its associated logo are registered trademarks of Kixy Ltd.

18.2 No Unauthorised Use

You may not use, reproduce, modify, distribute, or display the Kixy trademark, or any other trademarks or logos found on the Website without prior written permission from Kixy Ltd or the respective trademark owner.

18.3 Ownership

Kixy Ltd retains full ownership and control over its registered trademarks. Nothing in these Terms grants you any rights to use the Kixy trademarks, except as expressly permitted herein.