Terms & Conditions

1. Who we are

Netlo is a trading name of Peak Goods Ltd (PEAK GOODS LTD), a company registered in England and Wales (company number 15851595). Registered office: 60 Tottenham Court Road, Suite 4890a, Fitzrovia, London, W1T 2EW.

In these terms, "we", "us" and "our" mean Peak Goods Ltd. You can contact us at support@netlo.app or by writing to our registered office.

2. Open banking

Open Banking services are provided by Finexer Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 925695) under the Payment Services Regulations 2017. Peak Goods Ltd acts as an agent of Finexer Ltd.

Bank connections in the Netlo app will be read-only. Netlo will not be able to make payments or move money from your account.

3. About these terms

These terms apply to your use of our website at netlo.app. By using the website, you agree to them. If you do not agree, please do not use the website.

The Netlo app is still in development and is not yet available. When it launches, it will have its own terms of use, which you will be asked to accept before you create an account.

4. Using our website

Our website is free to use. We may change, suspend or withdraw any part of it at any time, and we do not guarantee that it will always be available or free from errors.

5. Information on this website

The website gives general information about Netlo, which is still being developed. Features, screens and details shown may change before the app launches.

Nothing on this website is financial advice. You should not rely on it when making financial decisions.

6. Intellectual property

The Netlo name and logo, and the content of this website, including text, images, app screenshots and design, belong to Peak Goods Ltd or its licensors. You may view and share links to the website for personal use, but you must not copy, reproduce or reuse its content for any other purpose without our written permission.

7. Acceptable use

You must not:

• use the website in any way that breaks the law or is fraudulent
• try to gain unauthorised access to the website, the server it is stored on or any connected system
• introduce viruses or other harmful material, or attack the website in any way
• copy or extract content from the website using automated tools

8. Links to other websites

Where our website links to other websites, those links are provided for your information only. We have no control over those websites and are not responsible for their content.

9. Our liability

We do not exclude or limit our liability where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation.

Otherwise, as the website is provided free of charge for general information, we are not liable for any loss or damage arising from your use of it, or your reliance on anything on it. Nothing in these terms affects your legal rights as a consumer.

10. Your privacy

Our Privacy Policy explains how we handle personal data when you visit our website or contact us.

11. Changes to these terms

We may update these terms from time to time, including before the app launches. The "Last updated" date at the top shows when they last changed. Please check this page whenever you use the website.

12. Governing law

These terms are governed by the law of England and Wales. You and we both agree that the courts of England and Wales will have jurisdiction, except that if you live in Scotland or Northern Ireland you may also bring proceedings in your local courts.