Terms & Conditions

Introduction 

Welcome to T8! We are a company established as a consumer technology and information services platform, providing entirely self-directed access to various financial and lifestyle partners (“Partners”) on a fee-from-consumer model through our app (the “T8 App”). T8’s product offering to retail customers will give them access to our financial, real estate, education and lifestyle service partners including but not limited to:

  • Remittance Services
  • Foreign Exchange
  • Securities Brokerage Partners
  • Concierge Services Partners
  • Education Consulting Partners
  • Real Estate Brokerage Partners
  • Online Shopping Partners

T8 (“T8”, “​we​”, “​us​”, “​our​”) is the branding arm or the abbreviated marketing name of Typhoon Wealth UK Limited, a private company limited by shares incorporated in England & Wales with Companies Registry number 13038553 and registered office at 49 Greek Street, London, W1D 4EG (the “Company”).

 This document sets out the terms on which T8 provides users (each a “User​”, “​you​” or “​yours​”)  access to an application (the “T8 App) featuring electronic money services, along with our financial, real estate, education and lifestyle services partners, (together the “​Services​”).Prior to proceeding to use the Services you must provide consent to having these terms and conditions (the “Terms​”) govern arrangements between T8 and you. Provision of such consent shall be recorded and you are not permitted to utilise the T8 App or the Services (as detailed herein) without continuing to consent to being bound by the Terms. 

These Terms contain the only legally binding terms between you and T8 regarding the Services and supersedes and replaces, where relevant, all other contracts between you and T8 with respect to the Services. T8 reserves the right to amend these Terms from time to time. We are frequently adding functionality to the T8 App and updating these Terms accordingly. You are encouraged to review these Terms periodically and your continued use of the T8 App and related services represents your agreement to these Terms. You can access and review these Terms at any time on the T8 website. 

The T8 App is for your personal use and provides you with access to various products and services of Partners. Links to such Partners is for your convenience only and does not constitute a recommendation, endorsement or guarantee in respect of such products and services. The information provided on or via the T8 website and the T8 App is provided for your general information only and should not be used as a substitute for any form of advice. Decisions based on this information are for your own account and are taken at your own risk. It is strongly recommended you obtain professional or specialist advice before transacting. No information on the T8 website and App should be considered as communicating any invitation or inducement to engage in banking, payments, electronic money services, foreign exchange or investment activity. T8 does not provide any financial advice nor any representation or warranty as to the suitability of any of the products or services of any Partners. T8 acts as a distributor for Bebawa, UAB (“The Account Provider”), an electronic money institution licensed in Lithuania (Authorisation Number: LB001973). The Account Provider is an electronic money institution and therefore not covered by the Lithuanian deposit insurance administered by the State Enterprise Deposit and Investment Insurance (VĮ “Indėlių ir investicijų draudimas”). Instead, the Account Provider protects your money in a safeguarded account with AB Mano Bankas a credit institution regulated by Bank of Lithuania (Authorisation Number: LB000474), which means your money is not co-mingled with ours or those of the Account Provider and is kept safely in the event of our insolvency or that of the Account Provider.    

Where you act for another person, by agreeing to be bound by the Terms, you also confirm that you have the requisite permission and consent of that person to act on their behalf, such person adheres with the Terms, and the Terms shall be considered as binding on that person as though they had entered into it personally. 

Eligibility

To register with the T8 App, you must be an individual 18 years or older and not be a US taxpayer.  By accepting these Terms, you warrant that your use of the T8 App does not violate any applicable laws or regulations and you shall bear full responsibility for any breach of this section this includes without limitation reference to any Central Bank restriction that may be applicable to you in your country of residence. 

Services 

Our Services include provision of access to an application featuring the Account Provider’s electronic money services, along with our Partners’ financial, real estate, education and lifestyle services.  The Account Provider’s electronic money services functionality includes allowing you to view balances, deposit and withdraw funds from linked bank accounts and credit cards, send and receive payments to other users on the T8 app or off it via SWIFT bank or credit card transfers, convert funds into other currencies, share your account on a read-only or supervised child basis, save money from maintaining savings goals and accounts and receive cash back from qualifying transactions.  

Our services do not include the provision of anything beyond what is detailed in the Terms. 

Accounts are, at all times, provided by the Account Provider subject to their own terms and conditions (https://www.t8wealth.com/account-provider-t&cs.pdf) with Users, and whilst Accounts may be accessed, queried and instructed by using the T8 App, they are not provided by T8 and T8 has no responsibility for them, including responsibility with respect to delayed payment, loss and any other diminution of funds. 

 T8 will create and maintain an electronic profile for each User (each a “​Profile​”) which allows for secure access to each Account and you consent to T8 accessing your Account in relation to the provision of the Services. Each Profile will contain key information with respect to you and will allow for easy, secure, and prompt access and management of your Account. Upon agreeing to these Terms, a Profile will be created for you and maintained in accordance with the Terms. Your Profile will allow you to liaise with the Account Provider and issue instructions to the Account Provider. T8 does not initiate, or otherwise manage transactions over your Account, but rather provides you with a simple and secure route for obtaining information and issuing instructions with any instructions being issued and initiated in your name with T8 providing messaging services only.     

Support with Personal Account(s) 

T8 will provide support in terms of accessing, using, and obtaining information on your Account. Your Account is a ‘virtual’ account that holds your e-money. It may hold e-money in different currencies at the same time. E-money is an electronic alternative to cash. If you or someone else transfers money to your​ Account, ​the Account Provider will issue an equivalent value of e-money in the currency you or the other person chooses. The Account Provider will facilitate the storage of this e-money in your Account and other people will accept it as payment through the functionality provided through your Profile. In these terms and conditions, we use ‘money’ to refer to e-money. 

Once you have e-money in your Account you will be able to use the Services. For example, through the T8 App or alternatively over email you can do the following via the Account Provider: 

  • send money to and receive money from other User’s e-money accounts. 
  • send money to and receive money from external bank and credit card accounts. 
  • change money from one currency to another (a “currency exchange”). 

The currencies available might change occasionally. New features will be added from time to time and we ​will ​send you information about these. 

Account Packages 

You can select an account package from those available at the end of the onboarding process. These accounts attract different fee structures which are outlined in the fee schedule available on our website (www.t8wealth.com). 

Opening your Account 

When you open an Account with us via the Account Provider, you will need to submit certain information about yourself via the T8 App or alternatively via email. This is required for a number of reasons, including to check your identity and to meet legal and regulatory requirements, e.g. Anti Money Laundering (“AML”). The Privacy Policy, which is found at the bottom of our website of (www.t8wealth.com), explains more about how your information is used for these and other purposes, for example, your information may be shared with third parties so that we can make certain checks in line with legal and/or regulatory requirements. When the required information has been provided, your account will be opened via the Account Provider unless they have identified a reason to request further information or otherwise delay matters. 

Using T8 functionality you cannot: ​

  • open more than one Account under your name; or ​
  • open a new Account under your name if T8 or the Account Provider has previously closed your Account. 

The Account is for personal use only, not for business use. If you use your Account for business purposes your account may be closed by us or the Account Provider. 

Access Rights 

When your Account is created a unique identifier is created for your Account and allows you to set up security credentials like a password or facial recognition so that you can access your Account using your T8 Profile. 

Document Storage 

T8 will store a copy of your submitted documents, for the purposes of regulatory requirements, and may be required to seek updated versions in the future. Please see the T8 Privacy Policy with respect for storage of Personal Data to understand how such data will be processed and stored by T8. 

Shared Accounts 

You can choose to give another User(s) supervised child account or read-only access to your Account via the T8 app. 

The User with read-only access will be able to see all balances, transactions and details of the Account, but your linked bank account or card details will not be shared. This access can be revoked by you at any time. Giving third party access to an Account does not affect the ownership of the Account. 

You are responsible for the people to whom access is given via your Profile, and all actions will need to comply with the Terms. 

Account sharing must be discontinued by you or your legal representative where: 

  • the third party has become legally incapacitated, their status for relevant purposes has changed, or they are otherwise no longer able to manage their affairs; 
  • the third party is convicted of an offence involving fraud, theft, or dishonesty; or 
  • the User has become legally incapacitated, their status for relevant purposes has changed, or they are otherwise no longer able to manage their affairs. 

Note that T8 and/or the Account Provider may require official documentation to act on instruction in terms of allowing and removing third-party access, including but not limited to Powers of Attorney or a Certificate of Death. 

Child Accounts

You are permitted upon request via the T8 app to open up to 2 Child Accounts. Child Accounts are linked to your primary account and you will be able to impose transaction limits and have full visibility over those accounts. In addition, Child Accounts will be subject to specific limitations, including parent implemented amount, volume and merchant category limits, as well as being prohibited from accessing parent transaction records and savings goals. You, as the primary account holder, are fully responsible and liable for the transactions and related activity conducted in respect of the Child Account. 

Account Management and Security 

There are a number of precautions we strongly recommend you employ to ensure the proper management and security of your account:

  • Regularly change your password.
  • Do not share or divulge any login details to another party. 
  • Never permit passwords or login details to be stored by your computer or in your browser.
  • Ensure you log out of the T8 App. 
  • Keep your devices safe.
  • Ensure you are using the latest version of the T8 App and all of your software is up to date. 
  • Regularly check your transactions history and balances in your account and contact Customer Support immediately in case you have any questions or concerns. 

Please contact Customer Support immediately at support@t8wealth.com or +44 1273 951 045

 in case of the following events:

  • Notice or suspect fraudulent transactions.
  • Lost/ stolen/ damaged card.
  • Lost/ stolen/ compromised login details.
  • Account used without authorization.
  • Anything else you need help with.

You are responsible for all losses relating to unauthorized transactions if you have acted fraudulently or failed, either intentionally or through negligence, to use your T8 Profile in accordance with the terms of this Agreement.

Multi-Currency 

We via the Account Provider may offer customer balances in multiple currencies. We presently offer GBP, EUR and HKD. Important terms govern these arrangements and Users should take care to understand and ensure they are satisfied with the conditions put in place by us and the Account Provider concerning such matters. User balances in multiple currencies are held on our behalf via the Account Provider with licenced banks (“Correspondents​”) established in Lithuania or the European Union in safeguarding accounts. Such are segregated from the assets of us and the Account Provider.   

The User bears, in proportion to their share in the assets of the Account Provider held with one or more Correspondents, risk of diminution of their balances. That is, the User will be exposed to all the economic and legal consequences that may affect all of the assets of the Account Provider held with a Correspondent and where a portion of such assets are lost or no longer available to the Account Provider, the User will lose a proportionate share of their balance. Events which may give rise to such loses include but are not limited to those ​occurring​ as a result of measures taken by these countries or by other countries, unforeseen events or force majeure events, or any other acts beyond the control of the Account Provider, including but not limited to insolvency of a Correspondent. 

Supporting Currency Conversion 

If you instruct T8 via the Account Provider to conduct  a currency conversion (exchange) via the T8 app or alternatively email or there is a need to convert the currency of a payment into or out of your Account via the Account Provider, T8’s fees for assisting with such will be calculated on the basis of a market foreign exchange rate​. Note that such rates are changing constantly, and will be ​available​ to you prior to any transaction taking effect.​ A percentage mark-up may be added if: ​ 

  • the currency isn’t always easily available (for example, Thai baht); or ​
  • you instruct a conversion outside foreign-exchange-market hours. A conversion will be outside foreign-exchange-market hours if it’s between midnight on a Saturday and midnight on a Monday (GMT). 

You can see the exchange rates that are applicable via the T8 App. Once the currency is converted, your transaction history associated with your Account will show the exchange rate used. You can find more details in the Fees Schedule on our website (www.t8wealth.com). Currency conversion is carried out at your own risk and subject to the terms the Account Provider has agreed to perform the service. 

Outbound Payments 

On Platform Payments

You can send money to, and receive money from, other Users’ Accounts. These sorts of payments are called on platform payments. You can make an on platform payment to another User’s Account by choosing them from the contacts list in the T8 App and following the prompts. This is called Pay to Contact. The other User will receive the transfer immediately upon crediting /debiting their account via the Account Provider. 

External Payments 

It is easy to send money to an external bank account from your Account via the Account Provider. You can make a one-off payment, which just involves entering various transaction details including but not limited to the payee’s name, IBAN, address, BIC/SWIFT code and payee bank address (you will be prompted as to which details are required) and follow the prompts. You may also be asked for other information by the Account Provider, to process your payment. 

You may be deemed responsible for losses incurred where payments are returned in a currency different to the payment currency. If a payment is performed requiring a currency exchange and the payment was executed correctly, when the money is returned to you, it will be converted back to the original currency via the Account Provider. This means that the amount you receive back into your Account might be less (or more) than the payment that you made. 

When you enter the details of the person you want to pay, you must ensure that the details are correct. If they are not, your payment might be delayed or you might lose your money if it is sent to the wrong account via the Account Provider. 

Make sure you know the person to whom you are making a payment. If someone approaches you and asks you to make a payment to them, but you are not sure who they are or what the payment is for, you may be a victim of a scam. 

If the person you want to pay does not receive the money, you may be responsible if the payment is processed correctly but you provided the wrong details. Attempts will be made to recover your funds, if requested by you, but neither  T8  nor the Account Provider cannot guarantee successful recovery. 

Inbound Payments 

It’s important that any payment to your Account is made in the primary currency of your Account. Otherwise, the payment will be converted to the currency of your Account. This means that your Account might be credited with more or less than you expected. You will be responsible for any losses if this happens. It is important you review and understand the terms agreed with the Account Provider in this respect. Off platform inbound payments could take up to seven days to be credited to your Account.  

Receiving Payments from other Customers of the T8 App 

You can receive payments instantly from other customers of the T8 App via the Account Provider using the Pay to Contact feature. 

Payment limits 

Sometimes limits are applied by the Account Provider to how much you can receive into or pay from your Account. The value of currency exchange you can carry out at any one time or over a period of time may also be limited. These limits can change from time to time. 

Add Money – Instant Transfer 

You can add money to your account instantly via the Account Provider using a debit card or credit card linked to your Account in the Instant Top-up feature of the T8 app. If you use a Debit/Credit card that is in one currency to add money to your account in another currency, your bank or card provider may charge a fee. 

Add Money – Bank Transfer 

Money can also be added to your Account using a SWIFT Payment via the External bank transfer feature on the T8 app. To add money from your bank account, you need to input various details including but not limited to your bank account’s  name, IBAN and BIC/SWIFT code.  

Consent

T8’s Services involve routing your requests to the Account Provider. By agreeing to these Terms you unconditionally and irrevocably, for the duration of the time this agreement is in place, give us all necessary power, permission and authority to represent you to the Account Provider to the extent necessary to convey your requests or other communications in terms of: opening an Account; making payments and/or instructing transfers; closing an Account; performing foreign exchange transactions and otherwise interacting with the Account Provider, or any affiliate or successor to it as may be relevant from time to time.     

You hereby agree to hold us harmless for any exercise of this power, permission and authority in good faith; and that your communicating with us through such applications, web-interfaces, and other tools we make available from time to time will constitute written communication for relevant purposes. 

Communications 

Users will be communicated through the T8 app or email. For example, your primary contact (email and phone number) details must be verified during onboarding. You will receive a verification link via email and a one-time password via SMS which you will be prompted to enter during the application process. 

Our base support language is English, however we are continuously expanding our services and support resources for them to be available in various other languages. 

You will also be sent communications from time to time about your Account, upcoming changes and other important information that is relevant to your Account. 

Your T8 app will be updated after executing a transaction to show various transaction details including but not limited to the transaction’s type, status, counterparty, currency, amount, exchange rate, IBAN and BIC/SWIFT code. 

You can also request any information about you in any preferred format you like at no cost. 

Account Statements 

Account Statements will be generated in electronic format, outlining all transactions related to an Account and issued each month. These will be sent depending on your preference to your linked email address or within the Statements feature of the T8 App. You can choose to change the frequency of issuance or create an ad hoc statement for a specific time period. 

You can also see all your Account transactions via the T8 App. 

Customer Support 

You can contact our Customer Support specialists via email, phone call or via in-app chat at:

support@t8wealth.com

+44 1273 951045

Complaints

We take your complaints very seriously as we do not want you to be dissatisfied with our services. Please feel free at any time to raise your complaints to our Customer Support specialists at support@t8wealth.com or +44 1273 951045. We aim to address your complaints within 15 working days from receiving your complaint and in exceptional cases, within 35 working days. We will promptly notify you if your complaint requires this additional amount of time. 

You can also raise your complaint to the Financial Ombudsman Service, who can be contacted at The Financial Ombudsman Service, Exchange Tower, London E14 9SR or complaint.info@financial-ombudsman.org.uk or 0800 023 4567.

You can also raise your complaint to the Financial Conduct Authority, who can be contacted at 12 Endeavour Square, London, E20 1JN or consumer.queries@fca.org.uk or 0300 500 8082.

You can also raise your complaint to the Bank of Lithuania, who can be contacted at: Totorių g. 4, LT-01121 Vilnius, info@lb.lt, and/or  Žalgirio g. 90, Vilnius, e-mail: pt@lb.lt. If you do refer your complaint to the Financial Ombudsman Service, Financial Conduct Authority or the Bank of Lithuania, this will not affect your right to take legal action.

Account Support Features 

Savings Account & Savings Goals 

Using your Profile via the My Savings Goals feature of the T8 app, you can set up savings Accounts with associated savings goals. Users can transfer funds in or out of these Accounts freely from their general purpose Account via the Account Provider . The Savings Goal also allows you to set a target savings goal where the target amount and desired date for achieving the goal can be set by you. You can then set up a recurring payment to the Savings Account to enable you to achieve this goal​. 

Savings Accounts do not pay interest. Users should not expect any interest payments on Accounts supported by T8 or the Account Provider on that basis. 

Round Up 

If the round-up feature is enabled on your Account you will be able to boost your savings. This works by rounding up a transaction to the nearest whole unit of your chosen currency. The difference between the transaction amount and the nearest whole unit is swept into your chosen Saving Goals. You can choose which whole unit you wish to apply and can change or disable ​this option at any time​ via the T8 App. ​You can also disable this feature at any time. 

Cashback 

If the cashback feature is enabled on your Account you will be able to boost or increase your funds by receiving cash based on your spending. The rates of cashback, the frequency of payment and qualifying transactions are subject to change at any time, including changes in the terms of the Account Provider.  To the extent that we are involved, we reserve the right to recall any cashback reward where the qualifying transaction has been rejected, declined or returned. In certain circumstances customers may need to register for a specific cashback scheme.  

Fees and Charges 

Please refer to our fees and charges link for detail of fees on the Accounts and associated charging methods. (www.t8wealth.com) Please note that our charges relate only to our Services, and not those of the Account Provider.

Termination 

T8 will facilitate the closure of an Account if requested by you or if there is a determination that there has been a breach of these Terms as the duration of this agreement is ongoing while you use the T8 App and not defined by a particular time period. Thus, termination can happen at any time by you, us or the Account Provider on providing notice to the other party. 

You can close your Profile, and so end this agreement, at any time by providing notice of your intention to terminate via in-app chat support, phone call or email at support@t8wealth.com. After receiving a notice of termination from you, you will be advised of the date of termination by way of email to your nominated email account. Upon providing T8 with notice of termination we will notify the Account Provider that your account is to be closed, which will then prompt their returning your funds to you after any outstanding charges and ceasing to provide the Services to you.  

You will still have to pay any charges outstanding on your Account and those associated with the Services. You may also be charged any cancellation fees that apply to other agreements you have entered into as part of this arrangement (for example, if you cancel a monthly subscription). 

When you advise that you want to close your Profile and your Account, we via the Account Provider will ensure you will have the opportunity to withdraw the money held for you (this is called redemption). Your money will be sent via the Account Provider after deducing any applicable fees due and owing to us or the Account Provider in the currency of your main account to an external destination account of your choosing. 

Where there is a need to convert currency during this redemption the rate applicable at the time will likely be used by us via the Account Provider and the usual fee applied. However, if there are any additional withdrawals, fees or charges that have been incurred on your Account following the processing of the redemption request, your Account will remain active and your agreement will continue to apply until there is no money outstanding on your Account. Should you not repay this amount, all steps necessary, including legal action, will be taken to recover any monies outstanding. 

How do I get access to my money and data after my account has closed? 

After your account is closed you can contact us for up to eight years after closure to ensure that any money held for you is returned.  For eight years after your account has closed you will be able to contact Customer Support at support@T8wealth.com and request copies of records held. 

Blocking Your Account 

The safety of your money is important. Payments from your Account may be blocked if we or the Account Provider have reasonable concern about the security of your Account or that any such payment instruction was made fraudulently or without your permission. We or the Account Provider may also wish to block your account  to meet any associated legal or regulatory obligations. T8 and the Account Provider reserves the right to do this at any time. 

Mobile App – iOS and Android 

The primary channel to create and access an Account will be the T8 iOS or Android mobile App. All transactions on your Account and Account statements will be visible here. No changes can or will be made to your Account information without your permission. 

Relationship with Partners  

Your arrangement with the Partners associated with your Account is entirely one between you and the Partners. T8 accepts no responsibility or liability for your acts or omissions as against the  Partners, and likewise has no responsibility for the  Partners’ acts and omissions with respect to you. In the event that the  Partners fail to  perform its services. T8 will not be responsible for initiating or completing any communications or transactions and have no liability for any failure on the part of the  Partners and you agree as much. 

Access to certain Partners is dependent on availability in your jurisdiction.

Relationship with Account Provider

Responsibility

Your agreement with the Account Provider associated with your Account is entirely one between you and the Account Provider. T8 accepts no responsibility or liability for your acts or omissions as against the Account Provider, and likewise has no responsibility for the Account Provider’s acts and omissions with respect to you. In the event that the Account Provider fails to provide the Services including but not limited to making a payment you instruct, providing monies as required and ceasing to perform the Services. T8 will facilitate your communicating with the Account Provider through the provision of the Services, but we will not be responsible for initiating any transactions and have no liability for any failure on the part of the Account Provider and you agree as much.

Selection

You grant T8 all necessary power, permission and authority to inform the Account Provider as to your instruction(s) and, where necessary, a successor Account Provider (of your choosing) with respect to transfer of your Account to said successor Account Provider where, and only where: 

  • the successor Account Provider is a regulated financial services provider within the meaning assigned to that term by the Central Bank Act, 1942;
  •  the successor Account Provider provides superior functionality, commercial terms, and/or customer service, in our opinion; and 
  • you are given notice of the proposed transfer of your Account to the successor Account Provider and an opportunity to object to the same prior to its taking place. 

Regulatory Status

T8 is not a regulated financial services provider and will not provide a financial service to you at any time during the course of these Terms. T8 does not purport to be a regulated financial services provider and holds no licenses, authorisations, or permissions for the purposes of EU, Lithuania and Hong Kong financial services laws or otherwise. 

T8’s services are provided by the Account Provider named Bebawa, UAB, a Lithuania incorporated electronic money institution authorised and regulated by the Bank of Lithuania for the issuance of electronic money, refund of electronic money, execution of payment transactions on a payment account (not covered by a credit line), issuing payment instruments or acquiring payment transactions. Registered Address: Mėsinių g. 5, 01133, Vilnius, Lithuania. Company Registration Number: 305483424. Authorisation Number: LB001973. 

T8 does not provide a payment service for the purposes of the European Union (Payment Services) Regulations 2018, the Republic of Lithuania Law on Electronic Money and Electronic Money Institutions and the Hong Kong Anti-Money Laundering and Counter-Terrorist Financing Ordinance, Chapter 615, and the Services should not be considered to be a payment service for those purposes. All payment services, to the extent such are associated with the provision or operation of an Account are provided by the Account Provider, and all instruction and initiation of payment orders shall be performed by you. T8 provides technical services without entering at any time into possession of the funds to be transferred, and the Services fall within the scope of those described as processing and storage of data, trust and privacy protection services, data and entity authentication, information technology (IT) and communication network provision. 

T8 does not provide a financial service for the purposes of the European Communities (Distance Marketing of Consumer Financial Services) Regulations, 2004 and the Republic of Lithuania Law on Financial Institutions, and is neither a financial institution for the purposes of the Hong Kong Financial Institutions (Resolution) Ordinance, 2016, and the Services should not be considered to be a financial service for those purposes. All financial services, to the extent such are associated with the provision or operation of an Account are provided by the Account Provider. 

A table of the current Account Provider and Financial Services Partner is below:

NameRelationshipLicence
Bebawa, UABAccount ProviderElectronic Money Licence holder issued by the Board of the Bank of Lithuania, Company Code 305483424
Saxo Bank A/SFinancial Services Partner – Securities BrokerageDenmark Banking Licence No. 1149

Manner of providing Services 

T8 will provide the Services in a professional manner, to the best of its ability, and with as minimal degree of interruption and/or error as is reasonably practicable. 

T8 will proactively seek to identify any security concerns or failures in its systems and process and patch and/or remediate them to the extent possible as soon as reasonably practicable. 

T8 will advise you over email and then a follow-up call of any intrusion into and/or unauthorised access to your data and proactively seek to remedy the same without delay. 

You must be the owner or otherwise have authorisation to use and supply details of the Account associated with the Services throughout the time you receive Services from T8. You must cancel your Account immediately upon your ceasing to own or otherwise have authorisation to use such Account. 

Requirements 

In order to complete the onboarding process and facilitate opening your Account, you must provide:

  • an original or true likenesses of your current, valid, Government-issued passport or identity card;  
  • a true likenesses of yourself (i.e., a “selfie”) whenever requested throughout the period during which you receive the Services; and 
  • a recent (within 90 days) bank statement, utility bill or phone bill as proof of address 
  • your tax residence

You must keep your contact information updated at all times. 

You must create, use, and keep confidential a strong password to access your Account, and you are responsible for the security of said password and the Account. 

You must report any instances of misuse or irregularities on your Account without delay. 

You must not create a Profile or otherwise receive Services on the basis of false information or information which you do not have full rights and permission to use. 

You must not interfere with, bypass, or evade any security protocols or access restrictions imposed from time to time. 

You must not use, interrogate, or otherwise investigate the Services in any way other than to access and use your Account from time to time. For the avoidance of doubt, you (nor anyone else acting on your behalf) shall not use the Services for profit, for the development or use of any other activities, to derive any source code (where not open source), or any other purpose without the necessary, express and ongoing consent. 

You must not release, distribute or otherwise disclose information made available through your profile in a way which identifies T8, or T8 products or services, other than with our express and ongoing consent. 

You must access the Services referenced as part of this Agreement, including your Profile and  Account, personally, and not using any bots or AI functionality, without the express and ongoing consent of T8 and/or the Account Provider. 

You may not novate, assign, or otherwise transfer this agreement, including the benefit thereof, without the express consent of T8 and/or the Account Provider, as evidenced in writing. 

You must not link (including deep link) our Services without T8’s express and on-going consent. 

You must not cause any disruption to the Services, including through dedicated denial of services attack, spamming or any other methodology or technique. 

You must not use profanity in your password or any communications with us. 

Notice 

We may change any of these terms by notifying you by email, or within the T8 App, including changes to Fees and to introduce new terms.

We may make changes to these terms to reflect changes in relevant laws and regulatory requirements, implement minor technical adjustments that do not adversely affect you and introduce new services. Such changes will take effect immediately upon notification to you via email or within the T8 App.

If we make any other changes to these terms and conditions, we will give you two months prior notice over email or within the T8 App. 

You will be deemed to have accepted such change by continuing to use the T8 App after the two month period unless you notify us via email of any objection before the proposed date of the change. Between receipt of the notice and the proposed date of change, if you notify us that you do not accept the change by notifying us of your closure intent, the agreement will immediately come to an end and your T8 Account will be closed in accordance with the above Termination section. 

All new terms and conditions will be available at www.t8wealth.com from the date we notify you of the change.

Intellectual Property

You agree not to use, modify, reproduce, transmit, restructure, spread, issue, publish, restore, decode, reverse engineer or otherwise create derivative works of any aspect of the T8 App, website, platform, offerings including but not limited to the software, code, data, materials, programs, product structures and/or designs of T8. In the event your behavior infringes the intellectual property of T8, you shall be fully liable for all damages, litigation fees, forensic fees and attorneys’ fees. 

Limitations on Liability 

 T8 does not make any warranty, representation, or commitment as to the nature of the Services other than that they will be provided on an “as is”, “non-exclusionary” and “as available” basis. Whilst T8 will use all reasonable endeavours to deliver a good, fair, and reliable service, T8, to the greatest extent permissible by law, disclaims any and all warranties with respect to title, accuracy, merchantability or fitness for a particular purpose. 

Further,  T8 shall not in any circumstances be liable, in the context of this agreement or the Services associated with it, for loss of profits, commercial opportunities, reputation, or other consequential, indirect, or remote damages or any damages of a special or punitive nature. 

These limitations form a material part of the basis of the bargain between you and us and any claim shall be subject to them to the extent permissible by law. 

Use of Your Data

We highly value the safety and confidentiality of your data as a company subject to the UK & EU General Data Protection Regulation, UK Data Protection Act and the Republic of Lithuania Law on Legal Protection of Personal Data, so we only use your data on a limited use basis for providing the services associated with the T8 app, protecting the T8 App and its intellectual property and your data, as well as complying with legal and regulatory requirements. 

You can learn more about our uses of your data in our Privacy Policy found at www.t8wealth.com. 

General

These terms are governed by the laws of England and Wales and the Republic of Lithuania. Therefore, any dispute between you and us pertaining to this agreement will be brought in the courts of England and Wales and/or the Republic of Lithuania.