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Terms and Conditions

These terms and conditions, as well as the An Post Money App terms of use apply to your use of the Service. The words “you” and “your” mean you as a user of the Service, and the words “we”, “us”, “our” mean An Post.
 
You must read these terms and conditions carefully. By using the An Post Money Manager Service, you are agreeing to be bound by these terms and conditions.

Terminology explained

“Agreement” means these terms and conditions governing the use of the An Post Money Manager Service.
 
“An Post” means An Post, a designated activity company incorporated in Ireland under company registration number 98788 with a registered address at General Post Office, O’Connell Street Lower, Dublin 1, D01 F5P2. An Post is authorised to provide the services specified in the Postal and Telecommunications Services Act 1983 (Section 67) Order 460, (Statutory Instrument Number 170 of 2016), which is made pursuant to Section 67 of the Postal and Telecommunications Services Act 1983.
 
“An Post Money Manager Service”/”Money Manager”/”Service” means a personal finance information management service provided by An Post that allows you to consolidate and track your financial information.
 
“An Post Money Credit Card” means an An Post Money Credit Card issued by Avantcard DAC trading as Avantcard.
 
“An Post Money Current Account” means the current account with a dedicated BIC and IBAN and a Mastercard® debit card issued by An Post.
 
“An Post Money Currency Card” means the currency card issued by PPS EU SA pursuant to license by Mastercard® International.
 
“An Post Money Product(s)” means the financial products and services provided by An Post trading as An Post Money including: - the An Post Money Current Account, An Post Money Credit Card and the An Post Money Currency Card and such other products and services as may be available for inclusion in the Service from time to time.

“App” means the An Post mobile application branded “An Post Money App”.

“Tink”/”Trusted Partner” means Tink AB, corporate registration number 556898-2192, a company duly incorporated and organised under the laws of Sweden, having its registered address at Vasagatan 11, 111 20 Stockholm, Sweden. Tink is authorised by the Swedish Financial Supervisory Authority (Finansinspektionen) to provide payment initiation services and account information services.
 
“Third Party Personal Accounts” means an Irish personal payment account owned by you and maintained and operated at a third party payment service provider.
 
“Personal Account” means a Third Party Personal Account or an An Post Money Product(s) (together “Personal Accounts”).

1.0 The Service

1.1 By using the Service you warrant that you are at least 18 years old and a resident of Ireland.

1.2 The Service will allow you to:
  • access details of your An Post Money Product(s) and / or upload details of Third Party Personal Accounts . and
  • access details of transactions and balances on your Personal Accounts.
1.3  The purpose of the Service is to show you all your financial information in one place. We will analyse your Personal Account(s) and identify recurring payments, overdrafts, low balances, refunds and other elements that are displayed to you. 

1.4  For the purpose of providing you with access to your Personal Accounts and displaying your transactions and balances, we act as agent of our Trusted Partner.  The information is provided to you based on and subject to Tink’s terms and conditions available [here].  Our Trusted Partner processes your personal data as described in Tink’s privacy notice.  

1.5  You do not have to be a customer of An Post Money Products to use this Service. However, where you are a customer of An Post Money Product(s), your use of the An Post Money Products will continue to be subject to the terms and conditions of the relevant product. In the event of any conflict between this Agreement the terms and conditions of your An Post Money Product, the terms and conditions of your An Post Money Product will take precedence.

2.0 Access to the Service

2.1  Access to the Service will be through the App. Your use of the App remains at all times subject to the Terms of Use of the An Post Money App which are available here.

2.2  You must not allow anyone to access the Service on your behalf. You must treat as confidential the information you provide as part of our security procedures, and you must not disclose it to any third party.

3.0 Access to Personal Accounts

3.1  To use the Service in respect of your Third Party Personal Accounts, you must first provide your relevant Third Party Personal Account login details to our Trusted Partner. Our Trusted Partner will then automatically download transactional information relating to your Third Party Personal Account(s) and continue to do so at certain times until you cancel the Service in whole or for specific Third Party Personal Account(s). Our Trusted Partner will only provide us with a ‘screen grab’ of your Third Party Personal Account transaction information and will not initiate any payments from your Third Party Personal Account(s). Each Third Party Personal Account for which you provide your login details may be individually removed from the Service by you.

3.2  You grant to us and our Trusted Partner a non-exclusive, royalty-free licence to use the information in your Personal Account(s) for all purposes connected with the Service or referred to in these Terms, with the right to use, modify, display, distribute and create new material using or incorporating such information to provide the Service to you. An Post may share your information with our Trusted Partner for the purpose of providing the Service and conducting analytics. We and our Trusted Partner may also use the information in your Personal Accounts to develop aggregated or anonymised data for the purpose of conducting analytics and improving App performance. 

3.3  You are permitted to use content delivered to you through the Service only on our App. You may not copy, reproduce, distribute, or create derivative works from this content.

3.4  We do not check the accuracy of the Third Party Personal Account information and personal information you provide to us, and we rely on you and your Third Party Personal Account providers to ensure that the information and personal information provided is up to date and accurate.

3.5  By using the Service, you represent that you are the legal owner of the data in your Personal Accounts and that you have the authority to appoint, and do expressly appoint, us and/or our Trusted Partner as your agent and grant a limited power of attorney to access and retrieve such data on your behalf, and that when we or our Trusted Partner retrieves your information relating to your Personal Accounts or your information required as part of the provision of the Service, we are doing so on your behalf.

4.0 Data Protection

4.1  We will handle your personal information in accordance with our data protection policy. Our data protection policy is set out on our website available here. It includes details of the personal information that we collect, how it will be used, and who we pass it to.
Any queries or complaints regarding our use of your personal data and/or the exercise of your individual rights should be addressed to:

The Data Privacy Office, An Post, GPO, O’Connell Street Lower, Dublin 1, D01 F5P2 or by email to: privacyoffice@anpost.ie 

4.2  Our Trusted Partner will handle your personal data in accordance with Tink’s privacy notice available at: www.tink.com/legal/notices/

5.0 An Post’s Intellectual Property Rights & your Use of the Service

5.1  You agree that all intellectual property rights relating to the An Post Money Manager Service, its source and object code and other materials used as part of the operation of the Service is owned or licensed by An Post and its Trusted Partner and you agree that you shall not copy, modify or adapt the App or Service in any way.

5.2  You must not access without authority, penetrate, interfere with, damage or disrupt (or attempt to do any of the same) any part of the Service or its security measures, any servers, other equipment or networks connected to the Service or on which it is stored or any software used in the provision of the Service, including in each case by transmitting any worms, computer viruses, malware, logic bombs, Trojan horses, spyware, harmful components or any other software, code or data of a corrupt, destructive, malicious or disruptive nature (together “Viruses”).

5.3  You may not inject content or code or otherwise alter or interfere with the way any part of the Service is rendered or displayed. 

5.4  You must not access the Service via a means not authorised by An Post.

6.0 Third party Services

6.1  The Service may include links to third-party websites, applications or features (“Third Party Services”).  An Post does not control, maintain or endorse Third Party Services and you acknowledge and agree that your use of them is at your own risk. We assume no responsibility for the content or operation of Third Party Services and we will not be liable for any loss or damage that may arise from your use of them (or such content).  In particular, the Services provided by our Trusted Partner are subject to our Trusted Partner’s terms and conditions, which are a separate contract between you and our Trusted Partner.  We are not responsible for the provision by our Trusted Partner of its services under those terms and conditions.

7.0 Charges

7.1  You agree that you are responsible for any and all data charges you incur from mobile service providers, internet service providers or other data providers in using the Service.

8.0 Our right to vary or Terminate these Terms

8.1  We may change these Terms by notifying you in writing by e-mail, on our App, or by other agreed means at least two (2) month before such change is due to take effect (or a shorter period if required or permitted by law).

8.2  The notices and up-to-date version of these Terms will always be available on our App and on the An Post website here. We recommend that you check our website regularly for any such notices and changes.

8.3  You will be deemed to have accepted any and all notified change(s) unless you tell us that you do not agree to the change(s) prior to the change(s) taking effect. In such circumstances, we will treat your notice to us as notification that you wish to terminate your use of the Service immediately. 

9.0 Our liability to you

9.1  We will do what we reasonably can to make the Service available to you as set out in these Conditions.  However, we will have no liability to you for any failure or delay in performing any of our obligations under these Terms where that such failure or delay is caused or contributed to by you or by an event or circumstance beyond our reasonable control (for example, a delay or failure in the transmission of a message or communication through a mobile network or failure of a telecommunications network, labour dispute, or an act of a government or regulator). 

9.2  If we fail to comply with the terms of this Agreement, we are responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if it is an obvious consequence of our breach or if it was contemplated by you and us at the time we entered into this Agreement.

9.3   We only provide the Service for domestic and private use. You agree not to use the product for any commercial, business or resale purposes, and we have no liability to you for any loss of profit, loss of business, loss of goodwill, business interruption, or loss of business opportunity.

9.4   We do not in any way exclude or limit our liability for:
  • death or personal injury caused by our negligence; or
  • fraud or fraudulent misrepresentation.
9.5  Subject to clause 9.4, and to the extent permitted by applicable law, neither An Post nor our Trusted Partner will be liable to you in connection with the Service (including your use or inability to use the Service):
  • if you do not comply with these Terms and any security procedures which apply to the use of the Service or the App;
  • for any statement or conduct on or via the Service by any third party;
  • for loss of data which is caused by factors other than negligence or breach of statutory duty on the part of us or our Trusted Partner;
  • for the acts or omissions of the third party providers of your Personal Account(s) or if you fail to comply with your agreement with them;
  • for the cost to you of obtaining goods or services as substitutes for the Service;
  • where we take any action which we consider appropriate to meet our obligations to prevent money laundering, terrorism or fraud or to prevent the provision of services to persons subject to sanctions;
  • where we act on the direction of a government authority, regulator or court.
9.6  Subject to clause 9.4, and to the extent permitted by applicable law, An Post will not be liable to you if you or our Trusted Partner fail to comply with our Trusted Partner’s terms and conditions or for use by our Trusted Partner of your personal data as controller as set out in its privacy notice.
 
9.7  We are not a financial adviser, and the Service is not intended to provide financial advice. We do not make any representations, warranties, or guarantees of any kind that the Service is appropriate for you.

10.0 Termination and suspension of the Service

10.1  When  a breach of these terms by you has occurred, we may take all or any of the following actions:
  • immediate, temporary or permanent withdrawal of your right to use the Service;
  • issue of a warning to you;
  • legal proceedings against you for reimbursement of all costs (including, but not limited to, reasonable administrative and legal costs) resulting from the breach;
  • further legal action against you; and/or
  • disclosure of such information to law enforcement authorities as we reasonably feel is necessary.
10.2 We shall, on giving you not less than 2 months notice, be entitled to terminate permanently the Service.

11.0 Terminating your User Account

11.1 You may cancel the Service at any time. Note, extended periods of inactivity may also result in cancellation or Account information stored in the Service being made unavailable. To cancel your account email  customerservices@anpostmoney.com with your primary email address. After a period of 120 days links to your 3rd party accounts will be deactivated.  If you wish to re-activate your account(s) then please sign into the app and on the ‘Linked’ tab on the home screen select the ‘+’ to add a 3rd party account.  

12.0 Enquiries and Complaints

12.1   If you wish to make a complaint, you do so by:
  • calling Customer Services on 00 353 (1) 705 8000 or
  • by writing to: Complaints Manager, An Post Money, BillPost, Enterprise House, Cappa Road, Kilrush, Co. Clare, V15 VX23.
12.2    If you are not satisfied you are entitled to take your complaint to the Financial Services and Pensions Ombudsman at the following address: Financial Services and Pensions Ombudsman, 3rd Floor Lincoln House, Lincoln Place, Dublin 2, D02 VH29.
E-mail: info@fspo.ie
Phone: 00 353 (1) 567 7000
Website: www.fspo.ie

13.0 General provisions & applicable law

13.1  You may not assign, sub-license or otherwise transfer any of your rights and/or obligations under these Terms to any third party. An Post may decide to transfer its rights and obligations under these Terms to another organisation.  We will let you know if that happens, and will ensure that your rights under these Terms are protected as required by applicable law. 

13.2  These Terms (together with the Terms of Use of the An Post App) contain the entire agreement and understanding of the parties relating to the subject matter of the agreement between us and supersede all prior agreements, understandings or arrangements (both oral and written) relating to the same.

13.3  If a court decides that we cannot rely on any of these Terms, for any reason, that provision will not apply to the extent decided by the court.  The rest of these Terms will continue to apply.

13.4  Irish law applies to these Terms, and any dispute will be subject to the decision of the Irish courts.