Terms and Conditions

1. About Us

PrizeBNK Ltd ("PrizeBNK", "we", "us", "our") is a company registered in Northern Ireland, United Kingdom.

• Company Name: PrizeBNK Ltd
• Companies House Number: NI740985
• Registered Office: Ormeau Baths, 18 Ormeau Avenue, Belfast, Northern Ireland, BT2 8HS
• Incorporated: 28 May 2026
• Director: Sanil Xavier
• Website: https://prizebnk.com
• Email: sanil@prizebnk.com

PrizeBNK operates a B2B financial wellbeing platform that enables UK SME employers to offer their employees a gamified, prize-linked savings benefit through the PrizeBNK mobile app.

2. Acceptance of Terms

By accessing or using the PrizeBNK website (https://prizebnk.com), registering your interest, or engaging with us as a potential business partner (collectively, the "Services"), you agree to be bound by these Terms and Conditions ("Terms").

If you do not agree to these Terms, you must not use our website or engage with our Services.

These Terms currently apply to:

• Employers and HR professionals ("Business Contacts") who visit our website or register interest with us
• Website visitors who interact with content, forms, or communications via prizebnk.com

3. Description of Services

PrizeBNK's Services include:

• Website and information pages at prizebnk.com describing our product offering
• Employer enquiries and demo registration: A simple way for UK employers to learn more about PrizeBNK
• Professional communications: Emails, calls, and demos with employer partners and technology providers
• LinkedIn and content channels: Thought leadership and updates from our team

PrizeBNK mobile app features:

• Gamified, prize-linked savings tools for employees
• Employer HR dashboard with anonymised engagement reporting
• Open Banking Account Information Services (AIS) - read-only bank data access with explicit user consent, to power savings tracking features and prize-eligibility checks. No payments are initiated.

Open banking functionality is provided via Finexer Ltd, an FCA-authorised third-party provider. PrizeBNK Ltd is registered as an appointed agent of Finexer Ltd for Account Information Services under the Payment Services Regulations 2017.

Data handling for website enquiries: Lead enquiries submitted through the website are not persisted to any database; they are sent directly to our business email inbox, which is the sole system of record. Our email and document systems are configured to keep data within the UK and EEA. Full details are in our Privacy Policy.

4. Website Use

4.1 You may use our website for lawful purposes only.

4.2 You must not:

• Use the website to transmit harmful, fraudulent, or deceptive content
• Attempt to gain unauthorised access to any part of our systems
• Use any automated tools to scrape or extract data from the website
• Misrepresent your identity or affiliation

4.3 Our website is intended for UK-based employers and HR professionals. It is not directed at individual consumers or persons under the age of 18.

5. Intellectual Property

All content, branding, copy, design, and materials on the PrizeBNK website and communications are the intellectual property of PrizeBNK Ltd or our licensors. You may not reproduce, distribute, or create derivative works without our prior written permission.

6. Disclaimer of Warranties and Regulatory Status

6.1 PrizeBNK is not a bank, financial adviser, or regulated financial services provider in its own right. Nothing on our website constitutes financial, investment, tax, or legal advice. PrizeBNK Ltd (FRN 1061774) is registered on the Financial Conduct Authority's Financial Services Register as an appointed agent of Finexer Ltd for Account Information Services, effective 6 August 2026, under the Payment Services Regulations 2017. Finexer Ltd is the principal firm responsible for regulatory compliance of this activity.

6.2 We provide our website and communications on an "as is" basis and make no warranties as to their completeness, accuracy, or fitness for any particular purpose.

6.3 Product features, timelines, and pricing described on the website are indicative and subject to change.

7. Limitation of Liability

7.1 To the fullest extent permitted by law, PrizeBNK shall not be liable for any indirect, consequential, incidental, or punitive damages arising from use of our website or communications.

7.2 Nothing in these Terms limits our liability for death, personal injury, fraud, or fraudulent misrepresentation.

8. Third-Party Links

Our website may contain links to third-party websites (e.g. LinkedIn). We are not responsible for the content, privacy practices, or availability of any third-party sites.

9. Changes to These Terms

We may update these Terms as our product and services develop. We will notify registered business contacts of material changes via email. Continued engagement with our Services following notification constitutes acceptance of the updated Terms.

10. Governing Law and Disputes

These Terms are governed by the laws of England and Wales. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

11. Contact Us

For any questions about these Terms, please contact:

PrizeBNK Ltd
Ormeau Baths, 18 Ormeau Avenue, Belfast, Northern Ireland, BT2 8HS
Companies House No: NI740985
Email: sanil@prizebnk.com
Complaints: complaints@prizebnk.com
Website: https://prizebnk.com