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An Post Money App Terms of Use

These terms of use (the “Terms”) are a legal agreement between you and An Post when you access and use the An Post Money mobile application software (the "App"). The words “you” and “your” mean you as a user of the App, and the words “we”, "us", "our" mean An Post.

You will not be allowed to access or use the App until you have accepted these Terms by ticking the box "Accept". If you do not accept these Terms, you may continue to make use of An Post's services and access its products through An Post post offices or on the An Post website.  The An Post Money Mate Account is only available through the App.

  1. Using the App
    1. In order to use this App you must follow the registration process for the App which is described on our website at https://www.anpost.com/Money/Current-Account,and:
      1. you must be a resident of Ireland who is over 16 years of age; or
      2. if you are under 16 years of age, you must have a pre-existing Money Mate account with An Post which has been opened for you by your parent or guardian.
    2. If your account is a Money Mate account, we reserve the right to restrict the services which are available to you on the App.  Your parent or guardian may also be able to limit your use of the App, and will have access to information about you Money Mate account and your use of your Money Mate account.
    3. The terms and conditions (“product terms”) which apply to the accounts, cards and other financial services (“products”), which An Post provides to you, will continue to apply in full to those products when you access and use them through the App.  Where you are signing up for products for the first time using the App, you will be separately asked to agree to the appropriate product terms.  If there is any inconsistency between these Terms and the product terms, the product terms will apply.  You can find our product terms and conditions at https://www.anpost.com/Money/Terms-Conditions.
    4. We do not charge for use of the App.  However, our standard charges and transaction fees, as explained in our product terms, will apply when you use the App to enter into a transaction or to do anything else to which a charge ordinarily applies.  You may also have to pay charges under your contract with your mobile network operator or internet service provider.  You will need to check those charges directly with your mobile network operator or internet service provider.
    5. The ways in which you can download or use the App may also be affected by the rules and policies of the app stores through which you have downloaded the App.  The relevant app store’s rules and policies will apply instead of these Terms where there are differences between the two.
  2. Security
    1. You must not share your login pin or other credentials that are used to secure your access to the App and / or access to your accounts or other products (your “security credentials”) whether directly or indirectly, with any other person.  Your security credentials must be kept secure and confidential.  You must not note them in a form that would be intelligible to another person, or other otherwise make them available to any other person. 
    2. If you share your security credentials with others, they may be able to access and use the services, payment account(s) or payment cards which we provide to you.  In that case, you will be responsible for the use of your security credentials.
    3. Third party payment service providers do not need your security credentials to provide their services to you, and you should not provide your security credentials to them.

      If you suspect that someone else knows part or all of your security credentials, or you become aware of any suspicious or unauthorised conduct concerning any products provided to you by An Post, you must notify us immediately by contacting Customer Service:

      From Ireland:01 705 8000
      From abroad:00 353 1 705 8000
      Email: Customerservices@anpostmoney.com

      If you fail to do so, you may be liable for any unauthorised transactions on your account which are as a result of your security credentials becoming known to someone else.
    4. After you have registered for the App, we will never ask you to disclose in full to us, or to anyone purporting to act on our behalf your log-in credentials.  If you receive this form of request from any source it is likely to be fraudulent in nature and you should not reveal this information in response.  You should immediately advise us of such request.
    5. You must keep your device on which you have installed the App secure. You must delete the App from any device before replacing or disposing of it. This includes deleting any security credentials or other information related to the App which is stored on the device.  If your device has been lost or stolen, you agree to contact us as soon as possible.
    6. You agree that these security procedures, and the ones described in our Frequently Asked Questions at https://www.anpost.com/Money/Help-Support#currentaccount (“FAQ”), are reasonable and you accept them.  You are solely responsible for any loss or damage arising from your failure to comply with our security procedures, unless we have agreed otherwise in the product terms which apply to the service, payment account or payment card in connection with which the App has been used.
    7. While we put reasonable security measures in place, we cannot guarantee the privacy or security of any information that concerns you, and passes over the internet, or via mobile networks.  If you use the App, you acknowledge and accept these risks.
    8. We have incorporated safety mechanisms into the App to prevent unauthorised third party access to your account.  We reserve the right to block your access to the App if your security credentials have been compromised or access by you is no longer required.  You will find details on how to regain access to the App on our FAQ.  This may depend on why your access was restricted or blocked (for example, if you have not used the App for 14 days, you will need to reset your password).  You may also contact us for information regarding any suspension of access.  We will work with you to remove any access restriction unless it would be unlawful for us to provide this information to you. 
  3. Your instructions to us using the App
    1. When you use the App, you irrevocably authorise and instruct us to act upon the instructions received from you through the App provided the instructions and requests are made by use of your security credentials.  You must ensure that all instructions given to us through the App are accurate and complete, and (where applicable) prior to confirming any such instruction, shall ensure that the instruction as relayed back to you for the purpose of confirmation is complete and accurate.  You are solely responsible for the completeness and accuracy of each instruction.  We may act on your instructions and requests without taking any further steps to ensure that the instructions or requests are genuine.
    2. In most circumstances, you cannot adjust or cancel any instructions given through the App and the instructions given by you shall be final and completed by us without further instruction, unless otherwise explained in our product terms at https://www.anpost.com/Money/Terms-Conditions.
    3. If you have an account which is a joint account held with another person, any of the joint account holders may access the account through the App. If the standing instructions on a joint account allow us to act on instructions given by one of the joint account holders, we can act on instructions received from any one of them through the App. If the standing instructions require authorisation from two or more of the joint account holders, then while the joint account may be accessed, no transaction can be made, through the App.
    4. We are authorised to provide all information requested and execute all instructions given through the App using your security credentials unless we have received actual written notice of your death or legal incapacity.
    5. We may refuse to process any instruction or request for information received through the App if:
      1. you do not have sufficient funds to cover the instruction to make a payment from your account;
      2. we suspect that the App is being used for fraudulent purposes or that your security credentials have been compromised; or
      3. we suspect that the App is being accessed and / or used in an irregular or unauthorised manner (although please be aware that this is at our discretion and we are not liable for any failure to do so).
  4. Data Protection and Cookies
    1. An Post respects your privacy.  We will at all times comply with our obligations under data protection law and our Privacy Statement, which can be viewed at https://www.anpost.com/Privacy. Our Privacy Statement sets out in detail how we collect and use your personal data in accordance with data protection law.
    2. The App utilises security tokens and similar technologies, which are stored on your device, when you register and to authenticate you when you use the App.  This will link your device to the App, and means that you must use the App on that device.  This is done so that the App can operate in a secure way. Further information in relation to our use of security tokens is set out in our Cookie Policy, available at https://www.anpost.com/Privacy.
    3. Certain services may make use of location data sent from your mobile device. This is done to improve security and to help prevent fraud.  You may turn off this functionality at any time by turning off the location services settings on your mobile device or on the App.
  5. Electronic Identification
    1. You may be asked to provide us with your biometric information in the form of a self-portrait photograph / video (or ‘selfie’) taken using your mobile device, which we may then use to identify you for the purposes of opening an account via the App.  We apply facial recognition technology to the photo/video in order to authenticate your presented identification documents to assess its legitimacy for anti-money laundering purposes.  Our Privacy Statement at https://www.anpost.com/Privacy explains this in more detail.
  6. Your right to use the App and An Post’s Intellectual Property Rights
    1. You agree that all intellectual property rights relating to the App, its source and object code and other materials used as part of the operation of the App and the provision of our products, remain the property of An Post and you agree that you shall not copy, modify or adapt the App or Related Materials in any way.
    2. You have a limited right to access and use the most recent version of the App solely in connection with our products, provided all copyright, trademark and other proprietary notices are left intact.  Copies made incidentally in the ordinary course of your use of the App (such as in cache memory) are permitted, provided you do not delete or change any copyright, trademark or other notice.  You are prohibited from copying, reproducing or using, in any other way whatsoever, any part or all of the Intellectual Property,
    3. You may use the App only for lawful purposes.  You must not:
      1. use the App on behalf of any person other than yourself, or dishonestly access any other person’s accounts or products using the App;
      2. send, knowingly receive, upload, download, use or re-use any virus, malware, malicious code or any material which does not comply with these Terms;
      3. interfere with, damage or disrupt any part of the App or any product or any network or equipment used in the provision of the App or any product; or
      4. copy, adapt, reverse engineer, decompile, disassemble, modify, adapt or make error corrections to the App in whole or in part, or access the App using any automated tools.
  7. Availability of service
    1. The information available to you through the App will as up-to-date as our systems permit at the time of your use or enquiry. However, we cannot guarantee that it will always be completely up to date.
    2. We will do what we reasonably can to make the App available to you without interruption or delay.  However, we cannot guarantee that the App, or any content on it, will always be available or be uninterrupted.  We may suspend or withdraw or restrict the availability of all or any part of the App for business and operational reasons.  This may include periods when we are upgrading the App to improve performance, enhance functionality or address security issues.  We will try to give you reasonable notice when we plan on doing this, and do as much as we reasonably can to keep any disruption to a minimum.
    3. Some interruptions and delays, for example, interruptions or delays caused by transmission or computer system virus or corruption, cyber risk, system or communications failure, may be outside out control.  We will do what we reasonably can to resolve any issues within our control.
    4. The services available to you through the App may vary from time-to-time at our discretion and depending on the device you are using.  We do as much as we can to design and test our App to work on the latest versions of the most popular mobile devices.  However, we are not required to make sure that it works on all devices and device models.  This means that if you have an older device or system, or one which is no longer supported by the manufacturer, you may experience difficulties using our App and may not be able to use all of its functions.
  8. Our liability to you
    1. An Post will have no liability to you, and you will have no claim against us:
      1. for any loss of profit, business, contracts, revenues, anticipated savings, opportunities, goodwill or for any indirect or consequential loss or damage using the App with or without authorisation;
      2. if you have provided us with wrong or insufficient information;
      3. caused by your failure to comply with these Terms, or any other agreement with us or a third party which relates to your use of the App, including any product terms;
      4. where there has been any fraudulent or unauthorised use of the App, including where your security credentials have been used, or if you have acted in any fraudulent or negligent manner
      5. where you have not downloaded the most up to date version of the App, or if you are unable to download the App for any reason;
      6. caused by the performance, functionality, non-performance, unavailability, inaccessibility, or corruption of the App, including where information is not fully up to date;
      7. where your loss is due to circumstances outside our control, for example the use of or inability to use any touch ID, electronic identification methods or third party service provider’s functionality (including software provides and mobile operators) to access the Services.
    2. This section (Our liability to you) does not affect our liability as set out in the product terms relating to the product(s) in connection with which the App is used, if we have acted fraudulently, with gross negligence or are in deliberate breach of our obligations, or law or regulation does not permit us to limit or exclude our liability to you.
  9. Your liability to us
    1. By using the App, you are agreeing to comply strictly with these Terms. If you do not comply with these Terms, and we suffer losses or incur costs, we can claim these back from you.  We may also terminate you right to use the App, as explained in the Term and Termination section below. 
    2. This section (Your liability to us) does not affect our liability as set out in the product terms relating to the product(s) in connection with which the App is used.
  10. Term and Termination
    1. These Terms will continue to apply for as long as you use the App, unless you decide to terminate them.  You can do this at any time without having to explain your reason, either by letting us know or by stopping your use of the App.  If you uninstall or stop using the App for any reason (including if you or we terminate your agreement with us), you may not be able to access and use all of An Post’s products.
    2. We may terminate your right to use our App at any time, on not less than 60 days’ notice to you, unless under applicable law we are required to give you longer notice.  However, we reserve the right to terminate this agreement or suspend your use of the App without any liability or notice:
      1. if you cease to be a customer of An Post;
      2. in the event of your death, legal incapacity or if you are no longer, in our opinion, able to manage your financial affairs;
      3. if we terminate the right for you to access or use any accounts or products under any agreement with you;
      4. if you materially breach these Terms or we reasonably believe that the App has been used, by you or using your security credentials, in a manner which is negligent, illegal, fraudulent or for other inappropriate purpose including where such actions are by a third party as a result of your negligence or recklessness; or
      5. we are required to do so by law or regulation.
    3. We reserve the right to process or cancel any instructions received through the App which are in progress on termination and / or suspension of your use of the App.
    4. Even if these Terms have been terminated, both you and An Post will be able to rely on some sections in connection with use of the App before termination (for example, the “Our liability to you” and “Your liability to Us” sections) and / or where those sections are necessary to protect you or us on an ongoing basis even after termination (for example, the “Your right to use the App and An Post’s Intellectual Property Rights” section).
  11. Changes to these Terms
    1. We may need to change these terms to reflect changes in law, best practice or changes in the functionality of the App.  We will give you reasonable notice of any material changes to these Terms.  The current, up to date version of these Terms will be available at https://www.anpost.com/Money/Terms-Conditions.
    2. If we notify you of a change, and you continue to use the App, we will assume that you have agreed to the changes. If you do not agree with any of the notified changes, you should stop using the App and delete the App from your device.  In that case, you may continue to make use of An Post’s services and access its products through An Post Offices and the An Post website. 
  12. Other legal provisions
    1. 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.
    2. 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. 
    3. Your right to use the App is personal to you.  You cannot assign or transfer your right to use the App to anyone else.
    4. Irish law applies to these Terms, and any dispute will be subject to the decision of the Irish courts.