Revision: 22/07/2019

Portify Terms & Conditions

These terms apply between Portify Limited, trading as Portify ("We"), and you as a Portify user.

We care deeply about making flexible work as secure and fulfilling as traditional work. To take advantage of this, you have to be a Portify User. As a Portify User, We license you to use:

  • The Portify mobile application software and if we make a web application available, the web application software (together referred to as the App) and any updates or supplements to it.
  • The service you connect to via the App and the content we provide to you through it (Service).

as permitted in these terms.

Your privacy

We only use any personal data we collect through your use of the App and the Service in the ways set out in our privacy policy.

Please be aware that internet transmissions are never completely private or secure and that any message or information you send using the App or the Service may be read or intercepted by others, even if there is a special notice that a particular transmission is encrypted.

Account Information Services and access to your Personal Account

Portify Limited is registered with the Financial Conduct Authority under the Payment Services Regulations 2017 for the provision of payment services. Reference no. 826665.

We do not and cannot access your bank accounts directly. As part of our provision of the Service we use third parties, currently Salt Edge Inc. and TrueLayer Limited whose technology enables us to receive the data from those accounts. In order to use the App and the Service effectively, you will therefore need to agree to:

  • Salt Edge’s terms and conditions
  • Salt Edge’s privacy policy
  • TrueLayer’s Licence Terms
  • TrueLayer’s Privacy Policy

The Terms of Service set out the terms on which you agree to TrueLayer accessing information on your payment accounts for the purposes of transmitting that information to us. TrueLayer is subject to UK and EU data protection laws and is required to treat your data in accordance with those laws, as well as the Terms of Service and TrueLayer’s Privacy Policy. TrueLayer is authorised by the UK Financial Conduct Authority under the Payment Services Regulations 2017 to provide account information services and payment initiation services (Firm Reference Number: 793171).

Operating system requirements

For information regarding the types and models of devices and/or browsers you need to download, access or operate the App and our Service, please contact [email protected]

Support for the app and how to tell us about problems

Support. If you want to learn more about the App or the Service or have any problems using them please contact us at [email protected]

Contacting us (including with complaints). If you think the App or the Service are faulty or miss-described or wish to contact us for any other reason please email our customer service team at [email protected]

How we will communicate with you. If we have to contact you we will do so by email, telephone or by SMS, using the contact details you have provided to us.

How you may use the app

In return for your agreeing to comply with these terms you may:

  • download the App or, in the case of the web App (if we make it available), access the App, in order to view, use and display the App and the Service for your personal purposes only.
  • provided you comply with the Licence Restrictions (see below), make a copy of the App for back-up purposes; and receive and use any free supplementary software code or update of the App incorporating "patches" and corrections of errors as we may provide to you.
  • You must be aged 18 or over to accept these terms and use the App. Your employer or other organisation may pay for your use of the App. Otherwise, you shall pay any fee due to us for such use.

You agree that you are responsible for all activities that occur under your account. You may only register using your own details. All information you provide to us on registration must be accurate and complete and we ask that you keep your information up to date by making any necessary changes within your account. You must keep confidential your password to access the App, and if you believe that there has been any unauthorised use of your account, please contact us immediately.

Changes to the terms

We may need to change these terms to reflect changes in law or best practice or to deal with additional features which we introduce or for other reasons.

We will give you at least 30 days’ notice of any change by sending you an SMS, email or in-app notification with details of the change or notifying you of a change when you next start the App or access the Service.

Update to the app and changes to the service

From time to time we may automatically update the App and change the Service to improve performance, enhance functionality, reflect changes to the operating system or address security issues. Alternatively we may ask you to update the App for these reasons.

If you choose not to install such updates or if you opt out of automatic updates you may not be able to continue using the App and the Service.

We may collect technical data about your device

By using the App or any of the Service, you agree to us collecting and using technical information about the devices you use the App on and related software, hardware and peripherals to improve our products and to provide any benefits to you.

We are not responsible for other websites you link to

The App or any Service may contain links to other independent websites which are not provided by us. Such independent sites are not under our control, and we are not responsible for and have not checked and approved their content or their privacy policies (if any).

You will need to make your own independent judgement about whether to use any such independent sites, including whether to buy any products or services offered by them.

Licence restrictions

You agree that you will:

  • not rent, lease, sub-license, loan, provide, or otherwise make available, the App or the Service in any form, in whole or in part to any person without prior written consent from us;
  • not copy the App or Service, except as part of the normal use of the App or where it is necessary for the purpose of back-up or operational security;
  • not translate, merge, adapt, vary, alter or modify, the whole or any part of the App or Service nor permit the App or the Service or any part of them to be combined with, or become incorporated in, any other programs, except as necessary to use the App and the Service on devices or through browsers as permitted in these terms;
  • not disassemble, de-compile, reverse engineer or create derivative works based on the whole or any part of the App or the Service nor attempt to do any such things
  • comply with all applicable technology control or export laws and regulations that apply to the technology used or supported by the App or any Service.

Acceptable use restrictions

You must:

  • not use the App or any Service in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these terms, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, such as viruses, or harmful data, into the App, any Service or any operating system;
  • not infringe our intellectual property rights or those of any third party in relation to your use of the App or any Service (to the extent that such use is not licensed by these terms);
  • not transmit any material that is defamatory, offensive or otherwise objectionable in relation to your use of the App or any Service;
  • not use the App or any Service in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users; and
  • not collect or harvest any information or data from any Service or our systems or attempt to decipher any transmissions to or from the servers running any Service.

Vouchers and other benefits on the App

You may obtain discount vouchers through the App. We have no responsibility for the fulfilment of the discount voucher, which may be subject to third party terms and conditions. We are not responsible for the products or services purchased with a discount voucher. We do not recommend or endorse any third party provider of goods and services notwithstanding that we supply a discount voucher for their goods and/or services. You may not resell any discount voucher.

Any content on the App, such as our tax calculator, is for information only. The tax calculator is a generic tool and it may be that your particular situation and finances cannot properly be reflected within the tax calculator. You should obtain professional advice if you require advice on your tax or financial affairs.

Intellectual property rights

All intellectual property rights in the App and the Service throughout the world belong to us (or our licensors) and the rights in the App and the Service are licensed (not sold) to you. You have no intellectual property rights in, or to, the App or the Service other than the right to use them in accordance with these terms.


We warrant that the App the Documentation and the Service will be of satisfactory quality, fit for purpose and as described. Otherwise, the App and the Service are provided to you on an “as-is” and “as available” basis. You agree that the App and the Service have not been created specifically for you.

We make no representations, warranties or guarantees, express or implied, regarding the accuracy, reliability or completeness of the content of the App or the Service We make no representation, warranty or guarantee that the content that may be available through the Service is free of infection from any viruses or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, surreptitiously intercept or expropriate any system, software, data or personal information.

Limitations on our liability

We shall only be liable to you for any direct damages that you can evidence were caused by our demonstrable failure to comply with these Terms and Conditions. If there is a problem with the App that damages a device or any other digital content belonging to you and this is caused by our failure to use reasonable skill and care, we will either repair the damage or pay you compensation. However, we will not be liable for damage which you could have avoided by following our advice to download and install an update offered to you for free or for damage caused by you failing to correctly follow instructions about use or anything in the documentation on the App.

To the extent permitted by law, we shall not be responsible or liable to you or to any third party, whether in contract, warranty, tort (including negligence) or otherwise for: (i) loss of income or revenue; (ii) loss of business; (iii) loss of profits or contracts; (iv) loss of anticipated savings; (v) loss of data; (vi) loss of goodwill; or (vii) special, indirect or consequential damage arising in whole or in part from your access to the App and the Service, your use of them or these Terms and Conditions, even if we have been advised of the possibility of such damages.

Notwithstanding anything to the contrary in these Terms and Conditions, our liability to you will at all times be limited to £1,000.

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 or for fraud or fraudulent misrepresentation.

We are not responsible for events outside our control. If our provision of the Service or support for the App or the Service is delayed by an event outside our control then we will contact you as soon as possible to let you know and we will take steps to minimise the effect of the delay. Provided we do this we will not be liable for delays caused by the event but if there is a risk of substantial delay you may contact us to end your contract with us and, if appropriate receive a refund for any benefit you have paid for but not received.


There may be occasions when access to the App or the Service may be interrupted, including for scheduled maintenance or upgrades, for emergency repairs, or due to failure of telecommunications links and/or equipment.


We may end your rights to use the App and the Service if you are in breach of any of these Terms and Conditions

If what you have done can be put right we will give you a reasonable opportunity to do so.

We may also terminate your rights to use the App and Service if your employer or other organisation who pays for your use of the App ceases to do so. In such circumstances, we shall notify you and offer you the opportunity to continue the payment. If you do not set up payment within 10 days of such a notification, we shall end your rights to use the App and Service within a further 10 days.

If we end your rights to use the App and Service:

  • You must stop all activities authorised by these Terms and Conditions, including your use of the App and any Service.
  • Unless you have outstanding sums due under the Flex Finance product, you must delete or remove the App from all devices in your possession and immediately destroy all copies of the App which you have and confirm to us that you have done this.
  • We may remotely access your devices and remove the App from them and cease providing you with access to the Service.
  • Your obligations to repay sums under the Flex Finance product shall continue.

You can stop using the App at any time by deleting it from your device, but:

  • If your employer or other organisation pays for your use of the App, please notify them;
  • No refund will be due for any unused discount vouchers within your account;
  • Your obligations to repay sums under the Flex Finance product shall continue.

If you wish to continue to use any vouchers, then you must copy the voucher code and other information before deleting the App.

If you owe sums under the Flex Finance product you must not delete the App without our consent. However, we may disable all other activities under your account.

We may transfer these Terms and Conditions to someone else

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.

You need our consent to transfer your rights to someone else

You may only transfer your rights or your obligations under these Terms and Conditions to another person if we agree in writing.

No rights for third parties

These Terms and Conditions does not give rise to any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of these Terms and Conditions.

If a court finds part of these Terms and Conditions illegal, the rest will continue in force

Each of the paragraphs of these Terms and Conditions operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

Even if we delay in enforcing these Terms and Conditions, we can still enforce it later

Even if we delay in enforcing these Terms and Conditions, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date.

Which laws apply to these Terms and Conditions, and where you may bring legal proceedings

These Terms and Conditions are governed by English law and you can bring legal proceedings in respect of the products in the English courts.

Alternative dispute resolution

If there is any issue that you are not able to resolve with our team you may be eligible to lodge your complaint on the EU Online Dispute Resolution platform which is available at

Our contact details

Portify Limited, trading as Portify, is a British company registered at Evolution House Iceni Court, Delft Way, Norwich, Norfolk, United Kingdom, NR6 6BB.

Questions, comments and requests regarding these terms are welcomed and should be addressed to [email protected]