END-USER LICENCE AGREEMENT

Last updated: 12/2/2026

This end-user licence agreement (“EULA”) is a legally binding agreement between SuperFi Finance Ltd (company number 13645361) registered at 124 City Road, London, EC1V 2NX (“SuperFi”, “we”, “us”) and you, the “End User”, being all end users of SuperFi Services (as defined in clause 6, App & Services) including:

• employers or organisations, including charities or nonprofits, that have purchased one or more SuperFi Services on behalf of their employees or beneficiaries, who are also bound by a SuperFi Partner Agreement (a “Partner”);

• employees or beneficiaries of Partners, who are given access to the App and/or Services through the Partner (“Beneficiaries”); or

• individuals unaffiliated with a Partner organisation (“Public Users”),

for the use of SuperFi’s Services.

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BACKGROUND

SuperFi provides a personal finance mobile application (the “App”) and through the App offers an overview of your financial situation, together with tools and resources designed to support you in improving your financial wellbeing, as further defined as the Services in clause 6 (App & Services).

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1. APPLICABLE TERMS

We licence use of the App to you on the basis of this EULA, including compliance in full with the Licence Restrictions set out in clause 5, the Privacy Policy, and the Apple App Store Terms and Conditions and Google Play Terms of Service (as applicable), which are incorporated by reference together with any other applicable terms incorporated into this EULA (the “Applicable Terms”).

By (i) using or installing the App; or (ii) signing up for a SuperFi account, you agree to the Applicable Terms which will bind you. The terms of this EULA include, in particular, limitations on liability as set out in clause 12.

If you do not agree to the Applicable Terms, you must immediately stop using the Services and delete the App from all devices onto which it is downloaded or stored.

This EULA and the licence granted by it expire when the deactivation of your account takes effect or the contract between SuperFi and the relevant Partner (if applicable) is terminated, whichever occurs first.

The App is not available to End Users under 18 years of age. By accepting these terms you confirm that you are 18 years of age or over.

SuperFi is registered with the Financial Conduct Authority (Firm Reference Number: 903047) as an agent of TrueLayer, which provides the regulated Account Information Service and is authorised and regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 and the Electronic Money Regulations 2011 (Firm Reference Number: 901096).

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2. OPERATING SYSTEM REQUIREMENTS

For Google Android devices, the App requires a minimum of 250MB of memory, internet access and the current Android operating system or one of the two previous versions.

For Apple devices, the App requires an Apple device with a minimum of 250MB of memory, internet access and the current iOS operating system or one of the two previous versions.

If we know your device’s operating system and we plan to stop supporting it, we will notify you in advance. If you do not install operating system updates and new versions of the App, it may not work properly or at all.

The App may not function as designed if your device has been changed or tampered with (for example, jailbreaking or rooting), or if you use software that interferes with our ability to deliver the Services.

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3. GRANT AND SCOPE OF LICENCE

Subject to your compliance with this EULA, we grant you a personal, non-transferable, non-sublicensable, non-exclusive and non-commercial licence to use the App and the Services (the “Licence”). We reserve all other rights.

As consideration for the Licence, you agree that we, our affiliates and third-party partners may place advertising within the Services or recommend third-party services from which we may receive a commission.

You grant us (and our partners where relevant) a non-exclusive, royalty-free licence to use data relating to and provided by access to your personal bank accounts solely to provide and improve the Services or as otherwise described in this EULA or the Privacy Policy. Where such data is aggregated and anonymised so that it no longer identifies you, we may use it for analytical, research and commercial purposes.

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4. LICENCE RESTRICTIONS

Except as expressly permitted by this EULA or by applicable law, you must not:

• download more than three instances of the App across your devices;

• copy the App;

• rent, lease, sub-license, loan, translate, merge, adapt, vary or modify the App;

• disassemble, decompile, reverse-engineer or create derivative works from the App except where permitted by law;

• use automated devices, scripts, bots or scrapers to access the App or Services;

• use the App or Services in any unlawful, fraudulent or malicious manner;

• attempt to gain unauthorised access to the App, Services, servers or systems;

• introduce viruses or malicious code;

• infringe our intellectual property rights or those of any third party.

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5. APP & SERVICES

Within the App we may offer some or all of the following:

• an updating overview of current account, credit card and debt balances via Open Banking;

• a static overview of balances manually provided by you;

• the ability to initiate payments where functionality permits;

• data analytics relating to your financial activity;

• payment reminders;

• budgeting tools and financial tips;

• information about ways to increase income, reduce expenditure or manage debt;

• signposting to third-party support services.

To use the Services:

If you are a Public User, you must download the App and create an account using your email address and password or via a supported third-party authorisation service. You must not share login credentials.

If you are a Beneficiary, you may receive access via a Partner, including by magic link or access code.

When retrieving information from your Bank Accounts, we act as your authorised representative solely for the purpose of accessing such data on your behalf and not on behalf of any third party.

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6. SUPPORT

Support is available through the App or by contacting support@joinsuperfi.com.

You are responsible for installing updates and regularly checking the App and your email for communications from us.

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7. FEES

If you are a Public User, you may be required to pay subscription fees. These will be communicated through the App.

If you are a Beneficiary, a Partner may pay all or part of the subscription on your behalf.

If you cease to be a Beneficiary and continue as a Public User (if available), subscription fees may change.

If you do not pay applicable fees, access to the App may be suspended or terminated.

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8. INDEMNITIES

To the extent permitted by applicable law, you agree to indemnify and hold harmless SuperFi and its affiliates from claims, losses or liabilities arising from:

• your unlawful or fraudulent use of the Services;

• your material breach of this EULA;

• your infringement of third-party rights.

This clause survives termination.

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9. INTELLECTUAL PROPERTY

All intellectual property rights in the App and Services belong to SuperFi or its licensors. The App is licensed, not sold, to you.

You must not use any part of the App content for commercial purposes without our prior written consent.

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10. WARRANTIES

SuperFi provides technology services only and does not provide financial, tax or legal advice.

The App and Services are provided on an “as is” and “as available” basis.

Nothing in this clause affects your statutory rights as a consumer.

We do not guarantee uninterrupted or error-free operation.

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11. LIMITATION OF LIABILITY

Our maximum aggregate liability under or in connection with this EULA shall be limited to the greater of:

• £100; or

• the aggregate fees paid by you to SuperFi in the preceding 12 months.

Nothing in this EULA limits or excludes liability for death or personal injury caused by negligence, fraud, or any liability that cannot lawfully be excluded.

We are not liable for losses arising from unauthorised access resulting from your failure to keep login credentials secure. Nothing in this clause limits liability arising from our failure to comply with applicable data protection law.

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12. TERMINATION

This EULA remains in effect until terminated.

You may terminate at any time by deactivating your Account.

We may terminate with 30 days’ notice or immediately where you materially breach this EULA or where reasonably necessary for legal, regulatory or security reasons.

Upon termination, you must cease use of the App and delete it from your devices.

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13. DATA PROTECTION

The Privacy Policy applies to your use of the App.

By using the Service, you confirm you are authorised to access the data in your Bank Accounts and appoint us as your authorised representative solely to retrieve such data on your behalf.

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14. GENERAL

We may update these terms from time to time. If we make material changes, we will notify you in advance through the App or by email. Continued use after the effective date constitutes acceptance of the updated terms.

We may transfer our rights and obligations under this EULA provided your rights are not adversely affected.

This EULA is governed by the laws of England and Wales and subject to the exclusive jurisdiction of the courts of England and Wales.