1. These terms tell you the rules for connecting your financial accounts to the MOCO Web App (the “Account Services”).  Your registration and use of the Web App is also subject to the
    2. The Account Services are operated by Lifescale Limited. We are a limited liability company registered in England and Wales, number 07476290 and our VAT number is GB 121385049. We have our registered office at 142 Cromwell Road, London SW7 4EF.
    3. Lifescale Limited trades as Envizage. In these terms and conditions, reference to “Envizage”, “we” or “us” is a reference to Lifescale Limited.
    4. We are authorised and regulated by the Financial Conduct Authority (“FCA”) under Financial Services Register number 825503. We are authorised by the FCA to provide account information services. The FCA’s address is 12 Endeavour Square, London E20 1JN, and they can be contacted on 0800 111 6768 (freephone) or 0300 500 8082 from the UK. 
    5. To contact us, please email or write to us at 142 Cromwell Road, London SW7 4EF.
    6. By accessing or using the Account Services through any means, you are agreeing to be bound by these terms and conditions which govern your registration for and use of the Account Services (see paragraph 2.1 below)  (the “Terms & Conditions”). If you do not agree to these Terms & Conditions, you must not use the Account Services.
    7. Our Privacy Notice, available at, sets out how we process personal data we collect from you. Please read this carefully.
    8. These Terms & Conditions also contain provisions about what we will and will not accept liability for if you suffer loss in connection with use of the Account Services
    9. We may make changes to the way we operate the Account Services from time to time. If you do not agree to any changes made to them, you must not use, and must cease using, the Account Services. 
    1. Your registration and use of the Website is subject to the
    2. We provide a service that allows you to link one or more of your financial accounts with the Website in read-only mode, so that you can allow the Website to use your data in order to provide you with valuable suggestions and forecasts that will help you achieve better financial outcomes in the future (the “Account Services“).
    3. When you register for our Account Services and link a financial account to the MOCO Web App (“Connected Account”), you consent to us collecting information about your account transactions and presenting this to you through the creation of new or modified content to help you understand and manage your financial data. 
    4. Where we provide Account Services to you, we do not check the accuracy of that information nor whether it is up to date. Accordingly, we make no warranty that our Account Services will be uninterrupted, timely or error-free; or that the information presented (including any category tags applied by us) will be accurate or reliable.
    5. We may use sub-contractors to deliver some or all of the Account Services. We carefully select the sub-contractors that we use and they have agreed to follow our instructions and our data privacy requirements. 
    1. We will provide you with the relevant Account Services, in accordance with these Terms & Conditions.
    2. By creating a Connected Account to receive our Account Services via the Web App, you agree and confirm: 
      • all the information you have provided to us and/or the financial institution (where applicable) is accurate and correct and you are the person whose details you have provided;
      • you can enter into a legally binding agreement with us; and
      • you are over 18 years of age.
    3. To apply or register for the relevant Account Service you may be asked to provide certain personal information for use in analysing your financial data, including your name, date of birth and email address.
    4. You agree that we are entitled to assume all correspondence, orders, transfers and instructions made by reference to your password and Connected Account are made by you, and that all correspondence and instructions posted by us via your Connected Account have been received by you. You agree to inform us immediately (via the Web App or by e-mail) if you know or suspect that your Connected Account or any of your Connect Account information or password has been compromised or are being misused so that we may suspend your account.
    5. We have the right to disable your Connected Account or password at any time if, in our reasonable opinion, you have failed to comply with any material provisions of these Terms & Conditions.
    6. You agree to inform us as soon as possible if any information provided by you or contained in your Connected Account changes and/or if you become aware of any errors with respect to your Connected Account and/or if you lose access to your Connected Account for any reason whatsoever.
    7. The Web App is directed to people residing in the United Kingdom. We do not represent that services available on or through the Web App are appropriate for use or available in other locations. 
    1. We do not guarantee that the Account Services, will always be available or be uninterrupted. Access to the Account Services is permitted on a temporary basis and we may need to suspend access, without notice where we are required to do so by any related amendment, re-enactment, subordinate legislation and regulations (“Applicable Law“) or where the Account Services are unavailable through no fault of our own. 
    2. We will not be liable to you if, for any reason, the Account Services are unavailable at any time or for any period.
    3. You are responsible for making all arrangements necessary for you to have access to the Account Services. You are solely responsible for any telecommunication costs that you incur whilst using the Account Services. 
    4. Where the Account Services are being accessed from any website or application other than the Web App, you agree to comply with both these Terms & Conditions and any terms of use relating to the third party website or application. You agree that you will not access or use the Account Services except for their intended purpose and will not attempt to use the Account Services to access any Connected Account or Connected Account information in respect of which you do not have authority to do so.
    5. Failure to comply with any of your obligations under clause 4.4 constitutes a material breach of these Terms & Conditions. 
    1. If we fail to comply with these Terms & Conditions, we are responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms & Conditions or our negligence, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if it was an obvious consequence of our breach or if it was contemplated by you and us at the time we entered into these Terms & Conditions.
    2. However, you will be responsible for any losses arising from unauthorised access if we can show that:
      • you negligently, or intentionally, failed to take all reasonable precautions to keep safe, and prevent fraudulent use of, your mobile device and security information; 
      • you acted fraudulently; or
      • you are aware of the Account Services being accessed without authority but fail to inform us promptly.
    3. We will not be liable to you for any loss or damage if another financial institution or one of our clients is responsible for such loss or damage. 
    4. We will not be liable for any loss or damage that you may suffer because of any abnormal or unforeseeable circumstances outside our reasonable control which would have been unavoidable despite all efforts to the contrary, for example, delays or failures caused by problems with another system or network, any breakdown or failure of transmission, communication, data processing or computer facilities, mechanical breakdown, an act of state or government, war, riot or terrorism, any act of God, the suspension of any market, postal or other strikes or similar industrial action or any prevention from or hindrance in obtaining any materials, energy or other supplies necessary for the performance of our obligations under these Terms & Conditions.
    5. We only supply the Account Services for domestic and private use. You agree not to use the Account Services, for any commercial purposes and we have no liability to you for any loss of profit, loss of business, business interruption or loss of business opportunity. 
    6. We will have no liability for refusing any application submitted by you to register for use of the Account Services or any other product or service we may provide.
    7. We do not exclude or limit in any way 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 for fraud or fraudulent misrepresentation. 
    8. We do not exclude or limit our liability for any failure to perform duties that we owe to you under the Payment Services Regulations 2017 or under the rules of the FCA.
    9. Nothing in these Terms & Conditions affects your statutory rights. Advice about your statutory rights is available from your local Citizens’ Advice Bureau or Trading Standards Office. 
    1. Envizage and you will keep confidential and will not disclose to any third party any information that is marked or otherwise indicated as being confidential, except information that any of us is bound to disclose under any Applicable Law or by order or request of any regulatory authority or by a court of law, or to our respective professional advisers for the purposes contemplated in these Terms & Conditions, or in our case, where disclosure is necessary to exercise any of our rights or perform any of our obligations under these Terms & Conditions, including providing Account Services.
    1. We can terminate, restrict or suspend your Connected Account and your contractual agreement with us by notice in writing (which can include email) to you at any time.
    2. Upon termination of your agreement to these Terms & Conditions for any reason:
      • all rights granted to you under these Terms & Conditions will cease; and
      • you must immediately cease all activities under these Terms & Conditions, including your use of the Account Services.
    3. Any of these Terms & Conditions which are expressly or by implication are intended to come into or continue in force on or after termination will remain in full force and effect.
    4. Termination will not affect any rights, remedies, obligations or liabilities of the parties that have accrued up to the date of termination, including the right to claim damages in respect of any breach of the Terms & Conditions which existed at or before the date of termination or expiry.
    1. These Terms & Conditions, their subject matter and their formation, shall be governed by English law. This means that any dispute (contractual or non-contractual) or claim arising out of or in connection with these Terms & Conditions or will be governed by English law.
    2. You may bring any dispute which may arise under these Terms & Conditions to – at your discretion – either the competent court of England, or to the competent court of your country of habitual residence if this country of habitual residence is an EU Member State, which courts are – with the exclusion of any other court – competent to settle any of such a dispute. We shall bring any dispute which may arise under these Terms & Conditions to the competent court of your country of habitual residence if this is in an EU Member State or otherwise the competent court of England.
    3. As a consumer, you will benefit from any mandatory provisions of the law of the country in which you are resident.  Nothing in these Terms & Conditions, including clause 17.1, affects your rights as a consumer to rely on such mandatory provisions of local law.
    1. The provisions of these Terms & Conditions are personal to you and you cannot assign or transfer any of your rights or obligations under them. 
    2. We can assign or transfer our respective rights and/or obligations under these Terms & Conditions. If we intend to do so, we will give you at least fourteen days’ notice. If you do not wish to continue using the Account Services following the assignment or transfer, you can cancel your agreement to these Terms & Conditions by cancelling your Connected Account. 
    3. If any provision of these Terms & Conditions is or becomes illegal, invalid, or unenforceable that will not affect the legality, validity, or enforceability of any other provision of these Terms & Conditions. 
    4. These Terms & Conditions are made between you and us. No other person shall have any rights to enforce any of its terms except for any person to whom the benefit of these Terms & Conditions is assigned or transferred in accordance with clause 18.2.
    5. These Terms & Conditions are in English and any communications we send to you will be in English.
    6. Nothing in these Terms & Conditions affects the liabilities, rights, and obligations of you and the third-party provider under the applicable terms between you and the third-party provider.
    7. If you have any questions about these Terms & Conditions, please contact our support team at

Updated: August 2022