FLURZI COMMIT
Terms and Conditions of Service
Flurzi Mobile App Limited
Company No. 16640198
16 Honiley Way, Coventry, CV2 1SN, United Kingdom
Version 1.0 | Effective Date: March 4, 2026
For institutional review, distribution to banking partners, and payment processor compliance purposes.
IMPORTANT NOTICE TO USERS
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE REGISTERING FOR OR USING THE FLURZI COMMIT PLATFORM. BY CREATING AN ACCOUNT, ACCESSING THE PLATFORM, OR USING ANY FEATURE OF THE SERVICE, YOU AGREE TO BE LEGALLY BOUND BY THESE TERMS AND CONDITIONS IN THEIR ENTIRETY. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT USE THE PLATFORM.
These Terms and Conditions constitute a legally binding agreement between you (the "Member") and Flurzi Mobile App Limited ("Flurzi", "we", "us", or "the Company"). They govern your access to and use of the Flurzi Commit platform, including all software, features, functionality, and services made available through it.
Flurzi Commit is a structured financial commitment software service. Flurzi Mobile App Limited is not a bank, not a deposit-taking institution, not an electronic money institution (EMI), not a payment institution, not a consumer credit provider, and not an investment services firm. The Flurzi Commit platform is not regulated by the Financial Conduct Authority (FCA) as a financial services product. Nothing in these Terms constitutes financial advice, investment advice, or a recommendation to enter into any financial product.
TABLE OF CONTENTS
1. Definitions and Interpretation
2. Regulatory Positioning and Nature of Service
3. Eligibility and Registration
4. The Flurzi Commit Service
5. Plan Structure and Mechanics
6. Fee Schedule and Financial Terms
7. Payment Processing and Authorisation
8. Late Payments, Missed Payments and Default
9. Plan Limits and Upgrade Conditions
10. Suspension and Termination
11. Chargebacks and Disputed Payments
12. Fraud, Misuse and Prohibited Conduct
13. Intellectual Property
14. Limitation of Liability
15. Indemnity
16. Force Majeure
17. Complaints and Dispute Resolution
18. Data Protection
19. Amendments to These Terms
20. Future Expansion and Jurisdictional Variations
21. Severability
22. Entire Agreement
23. Governing Law and Jurisdiction
24. Consumer Rights Notice
1. DEFINITIONS AND INTERPRETATION
1.1 Definitions
In these Terms and Conditions, the following words and expressions shall have the meanings ascribed to them below, unless the context otherwise requires:
1.1.1 "Account" means the personal registered account created by a Member on the Platform, through which the Member accesses and manages their Commit Plans.
1.1.2 "Active Plan" means any Commit Plan that has been established and is currently operational, in that the first scheduled payment has been processed and the plan has not been Completed, Suspended, or Cancelled.
1.1.3 "Cancellation" means the permanent termination of a Commit Plan by Flurzi pursuant to Clause 10.3 of these Terms, triggered by the occurrence of the conditions specified therein.
1.1.4 "Commit Plan" or "Plan" means a structured financial commitment arrangement entered into by a Member through the Platform, pursuant to which the Member commits to making regular periodic payments over a fixed term of either twelve (12) or twenty-four (24) months, subject to these Terms.
1.1.5 "Company" means Flurzi Mobile App Limited, a company incorporated in England and Wales under Company Number 16640198, with its registered office at 16 Honiley Way, Coventry, CV2 1SN.
1.1.6 "Completion" means the successful conclusion of a Commit Plan, being the state whereby a Member has made all scheduled payments in full over the entirety of the Plan Term without the Plan having been Cancelled.
1.1.7 "Completion Fee" means the fee charged to a Member upon successful Completion of a Commit Plan, calculated as four per cent (4%) of the total aggregate sum contributed by the Member during the Plan Term, as further described in Clause 6.
1.1.8 "Contribution Balance" means the internal ledger record maintained by the Company reflecting the cumulative payments made by a Member in respect of a specific Commit Plan, net of applicable fees, as tracked through the Company's internal accounting systems.
1.1.9 "Data Controller" has the meaning given under the UK GDPR and, for the purposes of these Terms, refers to Flurzi Mobile App Limited.
1.1.10 "Early Termination" means the voluntary or involuntary discontinuation of a Commit Plan by a Member prior to the end of the Plan Term, as further described in Clause 5.6.
1.1.11 "Early Termination Fee" means the fee applicable upon Early Termination of a Commit Plan, being twenty-five per cent (25%) of the total contributions made in respect of a twelve (12) month Plan, or twenty per cent (20%) of the total contributions made in respect of a twenty-four (24) month Plan, as further described in Clause 6.3.
1.1.12 "GoCardless" means GoCardless Ltd, a payment institution authorised by the Financial Conduct Authority, used by the Company as a payment processor for Direct Debit-based transactions.
1.1.13 "Internal Ledger" means the Company's internal accounting mechanism by which Contribution Balances attributable to individual Members are separately tracked and recorded from the Company's own operational revenue, within the same Stripe account infrastructure.
1.1.14 "Late Payment" means any scheduled payment in respect of a Commit Plan that has not been collected on its due date but is subsequently recovered within seven (7) calendar days of the original due date.
1.1.15 "Member" means any individual who has successfully registered for an Account on the Platform, accepted these Terms, and entered into one or more Commit Plans.
1.1.16 "Missed Payment" means any scheduled payment in respect of a Commit Plan that has not been collected on its due date and remains unrecovered after seven (7) calendar days of the original due date.
1.1.17 "Payment Processor" means Stripe and/or GoCardless, as applicable, each of which is used by the Company to process payments made by Members in connection with Commit Plans.
1.1.18 "Plan Cap" means the maximum number of Commit Plans a Member may hold concurrently at any one time, being five (5) Active Plans as a Standard Cap, or ten (10) Active Plans as an Elevated Cap, subject to the conditions set out in Clause 9.
1.1.19 "Plan Term" means the fixed duration of a Commit Plan, being either twelve (12) calendar months or twenty-four (24) calendar months from the date the first payment is successfully processed.
1.1.20 "Platform" means the Flurzi Commit web application, mobile application, and any associated digital infrastructure operated by the Company through which Members access the Service.
1.1.21 "Service" means the structured financial commitment software service provided by the Company through the Platform, as more particularly described in Clause 4.
1.1.22 "Stripe" means Stripe Payments Europe, Ltd, a payment institution authorised by relevant regulatory authorities, used by the Company as the primary payment processor for card-based and other electronic payment transactions.
1.1.23 "Suspension" means the temporary restriction of a Member's access to their Account and/or one or more Commit Plans, imposed by the Company pursuant to Clause 10.2.
1.1.24 "UK GDPR" means the retained version of Regulation (EU) 2016/679 as it forms part of the law of England and Wales, Scotland and Northern Ireland by virtue of the European Union (Withdrawal) Act 2018.
1.2 Interpretation
1.2.1 References to a statute or statutory provision include references to that statute or statutory provision as amended, extended, or re-enacted from time to time, and to any subordinate legislation made under it.
1.2.2 Words in the singular include the plural and vice versa. Words importing one gender include all other genders.
1.2.3 References to "writing" or "written" include electronic communications where the context permits, unless otherwise specified.
1.2.4 Headings and subheadings are for convenience of reference only and shall not affect the interpretation of these Terms.
1.2.5 The words "include", "includes", "including", and similar expressions shall be construed without limitation.
1.2.6 Any reference to a "Clause" is a reference to a clause of these Terms and Conditions unless the context otherwise requires.
2. REGULATORY POSITIONING AND NATURE OF SERVICE
2.1 Classification of Service
2.1.1 Flurzi Commit is a structured financial commitment software platform. The Service enables Members to voluntarily commit to a series of pre-scheduled periodic payments over a fixed term, with the objective of instilling financial discipline, supporting personal savings goals, and fostering structured financial habits.
2.1.2 The Service does not constitute, and shall not be construed as constituting, any of the following regulated activities under the Financial Services and Markets Act 2000 (FSMA 2000) or any associated secondary legislation: (a) deposit-taking or the acceptance of deposits as defined under Article 5 of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 (RAO); (b) the issuance or administration of electronic money as defined under the Electronic Money Regulations 2011; (c) the provision of payment services requiring authorisation or registration under the Payment Services Regulations 2017; (d) the carrying on of any consumer credit activity regulated under the Consumer Credit Act 1974; or (e) the provision of any investment service or activity regulated under MiFID II, the Markets in Financial Instruments Directive or its retained UK equivalent.
2.1.3 Flurzi Mobile App Limited is not authorised or regulated by the Financial Conduct Authority (FCA) in respect of the activities described in these Terms. Members should note that the financial protection afforded under FCA regulation, including access to the Financial Services Compensation Scheme (FSCS) and the Financial Ombudsman Service (FOS), does not apply to the Service.
2.1.4 Payments made by Members in connection with Commit Plans are not deposits and do not attract statutory deposit protection under the Financial Services Compensation Scheme. Members are advised that their Contribution Balances are not protected in the same manner as funds held in an FCA-regulated deposit account.
2.2 Software Service Positioning
2.2.1 The Company provides a software platform that facilitates the structured collection of periodic payments from Members in accordance with their elected Commit Plan parameters. The Company does not provide financial advice, investment recommendations, or guidance on financial planning strategy.
2.2.2 The Service is provided on a subscription and service-fee basis. All fees charged by the Company represent consideration for the software service, platform infrastructure, payment processing facilitation, and administrative services provided. No fee charged by the Company constitutes interest, a finance charge, or a premium in connection with a credit facility or investment product.
2.2.3 The Company expressly reserves the right to seek independent legal and regulatory counsel to assess the ongoing regulatory classification of the Service as applicable law and regulatory guidance develops. In the event that any future regulatory determination requires the Company to obtain authorisation or registration, the Company shall take such steps as are required to achieve and maintain compliance.
2.3 Consumer Transparency Statement
2.3.1 The Company is committed to ensuring that Members fully understand the nature of the Service prior to registration. Members are encouraged to read these Terms in their entirety and to seek independent financial or legal advice before entering into any Commit Plan if they are uncertain as to the nature or implications of the Service.
2.3.2 In accordance with the Company's obligations under applicable consumer protection legislation, including the Consumer Rights Act 2015 and the Consumer Protection from Unfair Trading Regulations 2008, the Company will present these Terms in clear and intelligible language and will ensure that the material terms of any Commit Plan are clearly communicated to the Member prior to the Plan being established.
3. ELIGIBILITY AND REGISTRATION
3.1 Eligibility Requirements
3.1.1 The Service is available only to individuals who: (a) are aged eighteen (18) years or over; (b) are resident in the United Kingdom; (c) hold a valid UK bank account or payment card capable of processing regular electronic payments; and (d) are not subject to any legal restriction that would prohibit them from entering into a binding contractual agreement.
3.1.2 The Service is not available to corporate entities, partnerships, trusts, or other non-individual legal persons unless expressly agreed in writing with the Company.
3.1.3 By registering for an Account, the Member warrants and represents that they satisfy all eligibility requirements set out in Clause 3.1.1 and that all information provided during registration is accurate, complete, and not misleading.
3.2 Registration Process
3.2.1 To access the Service, a prospective Member must complete the registration process on the Platform, which shall require the provision of, at minimum: (a) full legal name; (b) date of birth; (c) email address; (d) residential address; (e) payment method details; and (f) such other information as the Company may reasonably require for identity verification, fraud prevention, or operational purposes from time to time.
3.2.2 The Company reserves the right to verify the identity of any prospective or existing Member at any time, and to refuse registration or suspend an Account pending satisfactory verification. The Company may engage third-party identity verification services for this purpose.
3.2.3 Each individual may hold only one (1) Account on the Platform. The creation of multiple Accounts by a single individual is a material breach of these Terms and may result in the immediate Cancellation of all associated Plans and termination of all Accounts.
3.3 Account Security
3.3.1 Members are responsible for maintaining the confidentiality of their Account credentials, including their username, password, and any multi-factor authentication codes. Members must not share their Account credentials with any third party.
3.3.2 Members must notify the Company immediately upon becoming aware of any unauthorised access to or use of their Account. The Company shall not be liable for any loss or damage arising from the Member's failure to maintain the security of their Account credentials.
3.3.3 The Company reserves the right to suspend or restrict access to an Account where it has reasonable grounds to suspect that the Account has been compromised or is being used by an unauthorised person.
4. THE FLURZI COMMIT SERVICE
4.1 Service Description
4.1.1 Flurzi Commit is a structured financial commitment platform that enables Members to establish periodic payment Plans over fixed terms of either twelve (12) or twenty-four (24) months. The Service is designed to assist Members in achieving financial discipline through structured, recurring payment commitments.
4.1.2 Upon establishing a Commit Plan, the Member authorises the Company, acting through its Payment Processors, to collect the agreed periodic payment amounts from the Member's nominated payment method in accordance with the Plan schedule.
4.1.3 The Company maintains an Internal Ledger that separately tracks each Member's Contribution Balance in respect of each Active Plan. This Internal Ledger reflects the cumulative payments collected from the Member and provides the basis for calculating applicable fees upon Completion or Early Termination.
4.1.4 The Platform provides the Member with access to a dashboard through which they may monitor the status of their Active Plans, view their Contribution Balance history, manage their payment method details, and communicate with the Company's customer support function.
4.2 Platform Availability
4.2.1 The Company will use commercially reasonable efforts to ensure that the Platform is available at all times. However, the Company does not guarantee uninterrupted availability and reserves the right to temporarily suspend access to the Platform for maintenance, system upgrades, or for reasons outside the Company's reasonable control.
4.2.2 Planned maintenance will, where practicable, be communicated to Members in advance via the Platform or by email. The Company will endeavour to conduct planned maintenance during periods of lower usage.
4.2.3 The Company shall not be liable to Members for any loss or damage arising from the temporary unavailability of the Platform, provided that the Company exercises reasonable efforts to restore availability in a timely manner.
5. PLAN STRUCTURE AND MECHANICS
5.1 Plan Terms Available
5.1.1 Members may elect to establish Commit Plans with a Plan Term of either: (a) twelve (12) calendar months (the "12-Month Plan"); or (b) twenty-four (24) calendar months (the "24-Month Plan").
5.1.2 The Plan Term commences on the date on which the first scheduled payment is successfully collected from the Member's nominated payment method.
5.1.3 The periodic payment amount, payment frequency, and any other Plan-specific parameters elected by the Member shall be set at the time of Plan establishment and shall remain fixed for the duration of the Plan Term, unless varied by mutual written agreement between the Member and the Company.
5.2 Payment Frequency and Schedule
5.2.1 Payments under a Commit Plan shall be collected in accordance with the payment schedule established at the time of Plan creation. Members may elect monthly, fortnightly, or weekly payment frequencies, subject to such options being available on the Platform at the time of Plan establishment.
5.2.2 Payment collection shall be effected through the Payment Processors on each scheduled payment date. The Member authorises the Company to instruct the relevant Payment Processor to collect the scheduled amount from the Member's nominated payment method on each due date without further specific authorisation from the Member.
5.2.3 If a scheduled payment date falls on a non-banking day, the payment shall be collected on the next available banking day. The Company shall bear no liability for payment collection delays arising from banking holidays or non-banking days.
5.3 Plan Completion
5.3.1 A Commit Plan shall be deemed to have reached Completion upon the successful collection of all scheduled payments over the entirety of the Plan Term. Upon Completion, the Completion Fee described in Clause 6.2 shall become payable.
5.3.2 Upon Completion of a Plan, the Member will receive confirmation via the Platform and by email notification. The Completion Fee shall be collected from the Member's nominated payment method within seven (7) calendar days of the Completion date.
5.3.3 Following Completion and collection of the Completion Fee, no further amounts shall be payable by the Member in respect of the completed Plan, and the Plan shall be marked as closed on the Internal Ledger.
5.4 Concurrent Plans
5.4.1 Subject to the Plan Cap provisions set out in Clause 9, a Member may hold multiple Commit Plans concurrently. Each Plan shall be treated as a separate and distinct commitment, with its own payment schedule, fee calculation basis, and Internal Ledger record.
5.4.2 The existence of multiple concurrent Plans does not create any obligation on the Company to consolidate, offset, or otherwise combine the balances or fee calculations applicable to those Plans.
5.5 Plan Modification
5.5.1 Once established, the payment amount, payment frequency, and Plan Term of a Commit Plan may not be modified by the Member without the prior written agreement of the Company. Requests for Plan modification must be submitted through the Platform's customer support channel.
5.5.2 The Company reserves the right to decline any request for Plan modification where, in the Company's reasonable opinion, such modification would be inconsistent with the structural integrity of the Service or the Member's payment history.
5.6 Early Termination
5.6.1 A Member may elect to terminate a Commit Plan prior to the end of the Plan Term by submitting an Early Termination request through the Platform. Upon submission of an Early Termination request, the Early Termination Fee described in Clause 6.3 shall become payable.
5.6.2 Early Termination of a Plan shall be effected upon the Member's submission of a valid Early Termination request and the successful collection of the applicable Early Termination Fee. Once Early Termination has been effected, the Plan shall be marked as terminated on the Internal Ledger and no further scheduled payments shall be collected.
5.6.3 Members are advised that the Early Termination Fee is calculated on the basis of the total contributions made at the time of termination, and that the amount payable may be substantial. Members should carefully consider their commitment prior to establishing a Plan.
5.6.4 Where a Commit Plan is terminated pursuant to Clause 10 (Suspension and Termination), the Early Termination Fee shall apply in accordance with Clause 6.3, as applicable.
6. FEE SCHEDULE AND FINANCIAL TERMS
6.1 General Principles
6.1.1 The Company charges fees in connection with the Service as described in this Clause 6. All fees are exclusive of Value Added Tax (VAT) or any other applicable tax unless expressly stated otherwise. Where VAT or any other tax is applicable, it shall be charged in addition to the stated fee amounts at the prevailing rate.
6.1.2 The fee structure is designed to be transparent and to align the Company's commercial interest with the Member's successful completion of their Commit Plans. The primary commercial revenue of the Company is derived from the Completion Fee, reflecting the Company's interest in supporting Members to fulfil their commitments.
6.1.3 The Company's fees are not interest, charges for credit, or investment returns of any kind. They represent consideration for the software service, platform infrastructure, payment processing facilitation, and administrative management services provided by the Company.
6.2 Completion Fee
6.2.1 Upon the successful Completion of any Commit Plan, the Member shall be liable to pay the Completion Fee to the Company.
6.2.2 The Completion Fee shall be calculated as four per cent (4%) of the total aggregate sum contributed by the Member over the full Plan Term in respect of the completed Plan. By way of illustration only and without limitation: if a Member contributes a total of one thousand pounds sterling (£1,000.00) over the Plan Term, the Completion Fee payable shall be forty pounds sterling (£40.00).
6.2.3 The Completion Fee shall be collected automatically by the Company through the Payment Processors from the Member's nominated payment method within seven (7) calendar days of the Plan Completion date.
6.2.4 The Completion Fee is the sole fee applicable upon successful Completion of a Plan. No other fee shall be charged in addition to the Completion Fee at the point of Completion.
6.3 Early Termination Fee
6.3.1 Where a Commit Plan is terminated prior to the end of the Plan Term, whether at the Member's request pursuant to Clause 5.6 or by the Company pursuant to Clause 10, the Early Termination Fee shall apply in lieu of, and not in addition to, the Completion Fee.
6.3.2 For clarity, the Early Termination Fee and the Completion Fee are mutually exclusive. In no circumstances shall both fees be charged in respect of the same Commit Plan.
6.3.3 The Early Termination Fee shall be calculated as follows: (a) in respect of a 12-Month Plan: twenty-five per cent (25%) of the total aggregate sum contributed by the Member from the Plan commencement date to the date of Early Termination; and (b) in respect of a 24-Month Plan: twenty per cent (20%) of the total aggregate sum contributed by the Member from the Plan commencement date to the date of Early Termination.
6.3.4 By way of illustration only and without limitation: (a) if a Member who has established a 12-Month Plan has contributed a total of five hundred pounds sterling (£500.00) at the point of Early Termination, the Early Termination Fee payable shall be one hundred and twenty-five pounds sterling (£125.00); and (b) if a Member who has established a 24-Month Plan has contributed a total of eight hundred pounds sterling (£800.00) at the point of Early Termination, the Early Termination Fee payable shall be one hundred and sixty pounds sterling (£160.00).
6.3.5 The Early Termination Fee shall be collected automatically by the Company through the Payment Processors from the Member's nominated payment method upon the processing of the Early Termination request. The Early Termination shall not be finalised until the Early Termination Fee has been successfully collected.
6.3.6 Where the Early Termination Fee cannot be collected from the Member's nominated payment method, the outstanding fee shall constitute a debt owed by the Member to the Company, recoverable by such lawful means as the Company may deem appropriate.
6.4 Payment Processing Fees
6.4.1 The Company may incur payment processing fees charged by the Payment Processors in connection with the collection of payments from Members. Such processing fees are borne by the Company and are not passed on directly to Members as a separate line item. The Completion Fee and Early Termination Fee are structured to account for the Company's operational costs, including payment processing fees.
6.4.2 In the event that the Company introduces any additional fee structures, such changes shall be communicated to Members in accordance with Clause 19 (Amendments to These Terms) and shall not apply retrospectively to existing Commit Plans.
6.5 Fee Disputes
6.5.1 Members who wish to dispute any fee charged by the Company must submit a written dispute to the Company within thirty (30) calendar days of the date on which the disputed fee was collected. Disputes submitted outside this time limit may not be considered.
6.5.2 Fee disputes shall be handled in accordance with the Company's complaints procedure described in Clause 17.
7. PAYMENT PROCESSING AND AUTHORISATION
7.1 Payment Authorisation
7.1.1 By establishing a Commit Plan, the Member grants the Company a standing authorisation to instruct the relevant Payment Processor to collect all scheduled periodic payments and applicable fees from the Member's nominated payment method in accordance with the Commit Plan schedule and these Terms, without the requirement for further specific authorisation from the Member in respect of each individual transaction.
7.1.2 This standing authorisation constitutes a Continuous Payment Authority (CPA) or equivalent recurring payment authorisation, as applicable depending on the payment method nominated by the Member. Members who elect Direct Debit payment via GoCardless provide a Direct Debit mandate in accordance with the Bacs Direct Debit Scheme rules.
7.1.3 Members have the right to cancel a CPA or Direct Debit mandate at their bank or card provider at any time. However, cancellation of a payment authorisation prior to the end of the Plan Term shall constitute an Early Termination trigger, and the Early Termination Fee shall remain payable in accordance with Clause 6.3.
7.2 Payment Processors
7.2.1 The Company uses Stripe Payments Europe, Ltd as its primary payment processor for card-based and other electronic transactions, and GoCardless Ltd as its payment processor for Direct Debit transactions. Each of these processors is independently authorised and regulated by their respective competent regulatory authorities.
7.2.2 By using the Platform, Members agree to be bound by the applicable terms of service of the relevant Payment Processor, as supplementary to these Terms. In the event of any conflict between the Payment Processor's terms and these Terms in respect of any transaction, these Terms shall prevail to the extent permitted by the Payment Processor's terms.
7.2.3 All payments collected from Members in connection with Commit Plans are processed through the Company's Stripe account. The Company maintains an Internal Ledger system that separately identifies and tracks each Member's Contribution Balance within the Company's payment infrastructure. This separation is an internal accounting measure and does not constitute legal segregation of funds within a regulated client money account.
7.2.4 The Company's use of Stripe and GoCardless does not render the Company an agent of those processors, nor does it render the Payment Processors agents of the Company for any purpose beyond the technical facilitation of payment collection.
7.3 Failed and Declined Payments
7.3.1 In the event that a scheduled payment fails or is declined by the Member's bank, card issuer, or payment method provider, the Company will make a reasonable number of retry attempts through the Payment Processor before designating the payment as a Late Payment or Missed Payment in accordance with the definitions set out in Clause 1.1.
7.3.2 The Company may notify the Member of a failed payment via the Platform dashboard, email, or push notification. It is the Member's responsibility to ensure that sufficient funds are available in their nominated payment method to meet all scheduled payment obligations.
7.3.3 The Company shall not be liable for any charges, fees, or penalties levied by the Member's bank or card issuer in connection with failed payment attempts, including insufficient funds charges, referral fees, or overdraft charges.
7.4 Payment Method Changes
7.4.1 Members may update their nominated payment method through the Platform at any time, subject to the successful verification of the new payment method by the relevant Payment Processor. A change of payment method shall not affect the Member's obligations under any existing Commit Plan.
7.4.2 The Company reserves the right to suspend payment collection under an Active Plan where the Member's nominated payment method is invalid, expired, or has been revoked, pending the Member's provision of an updated valid payment method.
8. LATE PAYMENTS, MISSED PAYMENTS AND DEFAULT
8.1 Late Payment Threshold
8.1.1 A payment shall be designated as a Late Payment where it has not been collected on its scheduled due date but is successfully recovered within seven (7) calendar days of the original due date. Late Payments shall be noted on the Member's Account record and shall be considered in the assessment of eligibility for the Elevated Plan Cap pursuant to Clause 9.2.
8.1.2 A Member shall not be penalised by way of an additional fee for a single Late Payment, provided that the payment is recovered within the seven (7) calendar day grace period. However, a pattern of repeated Late Payments may be considered by the Company in assessing the Member's suitability for continued membership and eligibility for Plan Cap elevation.
8.2 Missed Payment Threshold
8.2.1 A payment shall be designated as a Missed Payment where it has not been collected on its scheduled due date and remains unrecovered after the expiry of the seven (7) calendar day Late Payment recovery period.
8.2.2 Each Missed Payment shall be recorded on the Member's Account. The Member will be notified of each Missed Payment via the Platform and by email. Following notification, the Member is required to take steps to resolve the Missed Payment by ensuring that sufficient funds are available in their nominated payment method or by providing an alternative payment method.
8.3 Suspension Trigger
8.3.1 The accrual of three (3) Missed Payments on any individual Commit Plan shall constitute a Suspension trigger. Upon the occurrence of this threshold, the Company may impose a Suspension on the relevant Plan and/or on the Member's Account in its entirety, in accordance with Clause 10.2.
8.3.2 The three Missed Payment threshold is assessed on a per-Plan basis. Missed Payments on separate Active Plans are counted independently for the purposes of this Clause, unless the Company determines, in its reasonable discretion, that a pattern of payment failures across multiple Plans warrants a broader account-level response.
8.4 Cancellation Trigger
8.4.1 Where a Missed Payment remains unresolved for a period of thirty (30) consecutive calendar days following the original due date of the earliest unresolved Missed Payment on a given Plan, the Company may initiate Cancellation of that Plan in accordance with Clause 10.3.
8.4.2 Prior to initiating Cancellation under this Clause, the Company will issue a written notice to the Member via the Platform and by email, specifying: (a) the outstanding Missed Payments; (b) the amount required to resolve the outstanding payments; and (c) a deadline of not less than fourteen (14) calendar days within which the Member may cure the default by making all outstanding payments.
8.4.3 If the Member fails to cure the default within the period specified in the Cancellation notice, the Company shall be entitled to effect Cancellation and collect the Early Termination Fee in accordance with Clause 6.3.
9. PLAN LIMITS AND UPGRADE CONDITIONS
9.1 Standard Plan Cap
9.1.1 Subject to Clause 9.2, a Member may hold a maximum of five (5) Active Plans concurrently at any one time (the "Standard Plan Cap").
9.1.2 The Standard Plan Cap applies from the date of Account registration and shall remain in effect unless the Member satisfies the conditions for elevation to the Elevated Plan Cap set out in Clause 9.2.
9.1.3 Attempts to establish a new Commit Plan that would cause the Member's Active Plan count to exceed the applicable Plan Cap shall be declined by the Platform. The Member will be notified of the reason for the decline via the Platform.
9.2 Elevated Plan Cap
9.2.1 A Member may become eligible for elevation to the Elevated Plan Cap of ten (10) concurrent Active Plans upon satisfying all of the following conditions cumulatively: (a) the Member must have successfully Completed at least fifty per cent (50%) of all Active Plans they hold at the time of the elevation request; and (b) the Member's Account record must show no more than two (2) Late Payments in total across all Commit Plans, assessed from the date of Account registration.
9.2.2 For the purpose of Clause 9.2.1(a), the calculation of the fifty per cent (50%) Completion threshold shall be based on the total number of Active Plans at the time of the elevation request, rounded down to the nearest whole Plan where the total number of Active Plans is odd.
9.2.3 Elevation to the Elevated Plan Cap is not automatic. Members who believe they satisfy the conditions in Clause 9.2.1 may submit an elevation request through the Platform. The Company shall review the request and notify the Member of the outcome within ten (10) business days.
9.2.4 The Company reserves the right to reverse an Elevated Plan Cap grant where a Member's subsequent conduct, including the accrual of additional Late Payments or Missed Payments, indicates that the continued maintenance of the elevated limit is not appropriate. In such circumstances, the Company shall notify the Member and shall not require the Member to immediately reduce their Active Plan count to the Standard Plan Cap, but shall prevent the establishment of additional Plans until the Active Plan count falls within the applicable limit.
10. SUSPENSION AND TERMINATION
10.1 Voluntary Termination by Member
10.1.1 A Member may close their Account at any time by submitting a written closure request to the Company through the Platform or by contacting customer support. Account closure requests shall be processed within a reasonable period, subject to the following conditions.
10.1.2 Account closure shall not affect the Member's obligations in respect of any Active Plans held at the time of the closure request. All Active Plans shall be subject to Early Termination in accordance with Clause 5.6, and all applicable Early Termination Fees shall become payable prior to Account closure being effected.
10.1.3 The Company shall not close the Member's Account until all outstanding financial obligations, including unpaid fees and unresolved Missed Payments, have been settled.
10.2 Suspension by the Company
10.2.1 The Company may impose a Suspension on a Member's Account or on individual Active Plans in any of the following circumstances: (a) the Member has accrued three (3) or more Missed Payments on any single Active Plan; (b) the Company has reasonable grounds to suspect fraudulent activity, misuse of the Platform, or a breach of these Terms by the Member; (c) the Member has provided false, inaccurate, or misleading information in connection with their Account or any Commit Plan; (d) the Company is required to suspend the Account by operation of law, regulatory requirement, or pursuant to an order of a court or competent authority; or (e) any other circumstance arises that, in the Company's reasonable judgement, justifies a temporary restriction of access.
10.2.2 Upon Suspension, the Member shall be notified in writing via the Platform and by email, specifying the grounds for Suspension and the steps required to lift the Suspension, where applicable.
10.2.3 During a Suspension, scheduled payment collections under the relevant Active Plans may be paused or continued at the Company's discretion. The Company shall not be liable to the Member for any consequences arising from payment pauses during a Suspension.
10.2.4 A Suspension shall be lifted upon the Member satisfactorily addressing the cause of the Suspension to the Company's reasonable satisfaction. The Company shall notify the Member in writing when a Suspension has been lifted.
10.3 Cancellation by the Company
10.3.1 The Company may effect the Cancellation of a Commit Plan in any of the following circumstances: (a) the conditions described in Clause 8.4 are satisfied in respect of that Plan; (b) the Member has materially breached these Terms and has failed to remedy the breach within the timeframe specified in a notice from the Company; (c) the Member's Account is found to have been established or operated through fraud or material misrepresentation; (d) the Company is required to cancel the Plan by operation of law, regulatory requirement, or pursuant to an order of a court or competent authority; or (e) the Company, in its sole discretion, determines that continued operation of the Plan poses an unacceptable operational, financial, or reputational risk.
10.3.2 Upon Cancellation of a Plan, the Early Termination Fee shall be payable in accordance with Clause 6.3, save where the Cancellation is attributable solely to fraud by the Company or to a technical error by the Company that does not arise from the Member's conduct.
10.3.3 In the event of Account termination by the Company for cause, the Company reserves the right to permanently ban the relevant Member from registering a new Account on the Platform.
10.4 Effect of Termination
10.4.1 Upon termination of a Member's Account, whether voluntarily or by the Company, all Active Plans associated with that Account shall be terminated and all outstanding financial obligations shall become immediately due and payable.
10.4.2 Termination of a Member's Account shall not affect any rights or liabilities that have accrued prior to the date of termination, nor shall it affect any provision of these Terms that is expressed or intended to survive termination.
11. CHARGEBACKS AND DISPUTED PAYMENTS
11.1 Chargeback Policy
11.1.1 A "chargeback" occurs where a Member disputes a payment with their bank or card issuer and the bank or issuer initiates a reversal of the relevant transaction. The Company acknowledges that Members have certain rights under card scheme rules and applicable law to dispute transactions in defined circumstances.
11.1.2 Where a Member initiates a chargeback in respect of a payment made in connection with a Commit Plan in circumstances that are not a valid ground for dispute under card scheme rules or applicable law, such as where the payment was made in accordance with the Member's standing payment authorisation and these Terms, the Company shall contest the chargeback through the applicable card scheme dispute process.
11.2 Consequences of Unjustified Chargebacks
11.2.1 Where a chargeback is successfully contested by the Company and the relevant funds are returned to the Company, the payment shall be treated as having been made and the Member's Plan shall continue in accordance with its terms.
11.2.2 Where a Member initiates a chargeback that is not grounded in a legitimate dispute, such conduct shall constitute a material breach of these Terms. The Company reserves the right to: (a) suspend or terminate the Member's Account; (b) treat the Plan as subject to Early Termination and charge the applicable Early Termination Fee; (c) pursue recovery of any losses suffered by the Company as a result of the unjustified chargeback, including chargeback processing fees levied by the Payment Processors; and (d) report the conduct to relevant fraud prevention databases or authorities where appropriate.
11.2.3 The Member acknowledges that chargebacks incur administrative and financial costs for the Company and agrees that the initiation of unjustified chargebacks is a breach of the good faith obligations implicit in these Terms.
11.3 Legitimate Disputes
11.3.1 Members who believe that an incorrect or unauthorised payment has been collected in connection with their Commit Plan are encouraged to contact the Company's customer support in the first instance before initiating a chargeback with their bank or card issuer. The Company will endeavour to resolve legitimate payment disputes promptly and in good faith.
12. FRAUD, MISUSE AND PROHIBITED CONDUCT
12.1 Prohibited Conduct
12.1.1 Members must not use the Platform or the Service for any purpose that is unlawful, fraudulent, deceptive, or harmful. Without limitation, the following conduct is strictly prohibited: (a) the provision of false, fraudulent, or misleading information in connection with Account registration, Plan establishment, or any communication with the Company; (b) the use of stolen, fraudulently obtained, or unauthorised payment credentials in connection with any Commit Plan; (c) the establishment of multiple Accounts by the same individual in breach of Clause 3.2.3; (d) any attempt to circumvent, manipulate, or exploit the Platform's fee structures, Plan Cap mechanics, or payment systems for financial gain; (e) any attempt to reverse-engineer, decompile, copy, or replicate the Platform's software, algorithms, or systems; (f) the use of automated scripts, bots, or other non-human means to interact with the Platform; and (g) any conduct that, in the Company's reasonable opinion, constitutes abuse, harassment, or intimidation directed at the Company's employees or representatives.
12.2 Fraud Prevention Measures
12.2.1 The Company employs a range of technical and procedural fraud prevention measures, including transaction monitoring, identity verification, and anomaly detection systems. The Company reserves the right to block, investigate, or escalate any transaction or Account activity that exhibits indicators of fraud or money laundering.
12.2.2 The Company reserves the right to make referrals to law enforcement authorities, regulatory bodies, fraud prevention agencies, or financial intelligence units where it has reasonable grounds to suspect that a Member's conduct constitutes or may constitute a criminal offence, including fraud, money laundering, or identity theft.
12.2.3 Members consent to the Company sharing relevant Account and transaction data with fraud prevention agencies, Payment Processors, and law enforcement authorities for the purpose of fraud detection and prevention, to the extent permitted by applicable data protection law.
12.3 Consequences of Fraud or Misuse
12.3.1 Where the Company determines, in its reasonable opinion, that a Member has engaged in fraud or material misuse of the Platform, the Company shall be entitled to: (a) immediately terminate the Member's Account and all associated Active Plans without notice; (b) retain any fees already collected in respect of the affected Plans; (c) pursue civil and criminal legal action as appropriate; and (d) exercise any other remedy available at law or in equity.
13. INTELLECTUAL PROPERTY
13.1 Company's Intellectual Property
13.1.1 All intellectual property rights in and to the Platform, including its software, design, branding, content, algorithms, processes, methodologies, and documentation, are and shall remain the exclusive property of the Company or its licensors. Nothing in these Terms shall be construed as conferring on the Member any licence, right, title, or interest in or to the Company's intellectual property.
13.1.2 The Company grants the Member a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for the purpose of utilising the Service in accordance with these Terms. This licence does not permit the Member to copy, modify, distribute, sublicense, sell, or otherwise exploit the Platform or any component thereof.
13.1.3 The Member must not remove, obscure, or alter any proprietary notices, trademarks, or copyright statements on the Platform.
14. LIMITATION OF LIABILITY
14.1 Scope of Limitation
14.1.1 Nothing in these Terms shall limit or exclude the Company's liability for: (a) death or personal injury caused by the Company's negligence; (b) fraud or fraudulent misrepresentation by the Company; (c) any liability that cannot lawfully be excluded or limited under applicable law, including the Consumer Rights Act 2015.
14.1.2 Subject to Clause 14.1.1, the Company's total aggregate liability to a Member, whether in contract, tort (including negligence), breach of statutory duty, misrepresentation, or otherwise, arising out of or in connection with these Terms or the Service, shall be limited to the greater of: (a) the total fees paid by the Member to the Company in the twelve (12) month period immediately preceding the event giving rise to the liability claim; or (b) one hundred pounds sterling (£100.00).
14.2 Excluded Losses
14.2.1 Subject to Clause 14.1.1, the Company shall not be liable to the Member for any of the following categories of loss or damage, regardless of whether such loss or damage was foreseeable or the Company had been advised of the possibility of such loss: (a) loss of profits; (b) loss of revenue; (c) loss of anticipated savings; (d) loss of business or contracts; (e) loss of data or information; (f) any indirect or consequential loss; or (g) any loss arising from the Member's reliance on the Service as a substitute for regulated financial advice or products.
14.2.2 The Company shall not be liable for any failure or delay in the provision of the Service caused by circumstances beyond its reasonable control, as further described in Clause 16.
14.3 Third-Party Services
14.3.1 The Company shall not be liable for any failure, interruption, or deficiency in the services provided by the Payment Processors, telecommunications providers, internet service providers, or other third-party service providers used in connection with the Platform.
15. INDEMNITY
15.1 Member's Indemnity Obligation
15.1.1 The Member shall indemnify, defend, and hold harmless the Company and its directors, officers, employees, agents, contractors, and licensors (each an "Indemnified Party") from and against any and all claims, actions, proceedings, losses, damages, expenses, and costs (including reasonable legal fees) incurred by any Indemnified Party arising out of or in connection with: (a) the Member's breach of these Terms or any representation, warranty, or obligation contained herein; (b) the Member's use of the Platform in a manner not authorised by these Terms; (c) any fraud, misrepresentation, or wilful misconduct by the Member; (d) any claim by a third party arising from the Member's conduct on or through the Platform; or (e) any chargeback or disputed payment initiated by the Member in circumstances that constitute a breach of these Terms.
15.1.2 The Company reserves the right, at its own expense, to assume exclusive defence and control of any matter subject to indemnification under this Clause, in which event the Member shall cooperate with the Company in asserting any available defences.
16. FORCE MAJEURE
16.1 Force Majeure Events
16.1.1 The Company shall not be in breach of these Terms, and shall not incur any liability to the Member, for any failure or delay in the performance of its obligations under these Terms to the extent that such failure or delay is caused by or results from any circumstance beyond the Company's reasonable control (a "Force Majeure Event"). Force Majeure Events include, without limitation: acts of God; extreme weather events; fire, flood, or natural disaster; epidemic or pandemic; acts of terrorism or war; civil unrest or riot; strikes or industrial action (other than by the Company's own employees); failure of third-party telecommunications infrastructure or internet services; acts or omissions of governmental or regulatory authorities; failure or breakdown of the systems or services of the Payment Processors; and any other event or circumstance that the Company could not reasonably have foreseen or prevented.
16.1.2 The Company shall notify the Member as soon as reasonably practicable upon becoming aware of a Force Majeure Event that affects its ability to provide the Service. The Company will take reasonable steps to mitigate the impact of the Force Majeure Event and to restore normal service as soon as reasonably practicable.
16.1.3 If a Force Majeure Event persists for a period exceeding sixty (60) consecutive calendar days and the Company is unable to provide the Service during that period, either party may terminate these Terms on written notice. In such circumstances, the Company shall return to the Member their Contribution Balance in respect of any Active Plans, net of any fees that had accrued prior to the Force Majeure Event, and neither party shall have any further liability to the other.
17. COMPLAINTS AND DISPUTE RESOLUTION
17.1 Complaints Procedure
17.1.1 The Company is committed to resolving Member complaints promptly, fairly, and in accordance with applicable consumer protection requirements. Members who wish to make a complaint may do so by: (a) submitting a complaint through the Platform's dedicated complaints channel; or (b) writing to the Company at its registered address at 16 Honiley Way, Coventry, CV2 1SN; or (c) sending an email to the Company's designated complaints email address as notified on the Platform from time to time.
17.1.2 Upon receipt of a complaint, the Company will acknowledge receipt within five (5) business days. The Company will investigate the complaint and issue a substantive response within twenty-eight (28) calendar days of receipt, or will provide an update explaining why a longer investigation period is required.
17.1.3 The Company will endeavour to resolve all complaints within eight (8) weeks of receipt. Where a complaint cannot be resolved within this period, the Company will notify the Member accordingly and provide information on any alternative avenues of recourse available to the Member.
17.2 Alternative Dispute Resolution
17.2.1 The Company is not currently a member of an FCA-authorised Alternative Dispute Resolution (ADR) scheme, as the Service is not regulated by the FCA. However, the Company is committed to engaging in good faith with any reasonable dispute resolution process proposed by a Member.
17.2.2 Where a complaint cannot be resolved through the Company's internal complaints procedure, the parties shall attempt to resolve the dispute through good faith negotiation. If the dispute cannot be resolved through negotiation within thirty (30) calendar days of the exhaustion of the internal complaints procedure, either party may refer the matter to mediation under the Centre for Effective Dispute Resolution (CEDR) Mediation Procedure or such other mediation body as the parties may agree.
17.2.3 Nothing in this Clause shall prevent either party from seeking urgent interim relief from the courts, nor shall it prevent the Company from initiating legal proceedings for the recovery of fees or damages arising from a Member's breach of these Terms.
18. DATA PROTECTION
18.1 The collection, use, and processing of personal data in connection with the Service is governed by the Company's Privacy Policy, which is incorporated into these Terms by reference and forms part of the agreement between the Member and the Company. The Company's Privacy Policy is available on the Platform and provides full details of how the Company processes personal data in accordance with the UK GDPR and the Data Protection Act 2018.
18.2 By registering for an Account and accepting these Terms, the Member acknowledges that they have read and understood the Company's Privacy Policy.
19. AMENDMENTS TO THESE TERMS
19.1 The Company reserves the right to amend these Terms from time to time to reflect changes in applicable law, regulatory requirements, the Company's business operations, or the features of the Service.
19.2 Where the Company proposes to make a material amendment to these Terms, it will provide the Member with not less than thirty (30) calendar days' prior written notice of the proposed amendment, delivered via the Platform and by email to the Member's registered email address.
19.3 If a Member does not accept the proposed amendment, they may terminate their Account and all Active Plans in accordance with Clause 10.1 within the notice period. If the Member continues to use the Service after the expiry of the notice period, they shall be deemed to have accepted the amended Terms.
19.4 Non-material amendments, such as typographical corrections, clarifications that do not alter the substance of any provision, or changes required by law, may be made at any time and without prior notice. The current version of these Terms shall always be available on the Platform.
20. FUTURE EXPANSION AND JURISDICTIONAL VARIATIONS
20.1 The Service is currently available exclusively to Members resident in the United Kingdom. The Company anticipates expanding the Service to additional jurisdictions, including member states of the European Union and other international territories, in future phases of commercial development.
20.2 In connection with any future jurisdictional expansion, the Company will conduct or procure legal and regulatory assessments of the applicable requirements in each target jurisdiction prior to making the Service available in that jurisdiction. The Company may make such adjustments to the structure, terms, and fee arrangements of the Service as are required to achieve compliance in each target jurisdiction.
20.3 Members registered in the United Kingdom shall not automatically receive access to features or plan variants developed for other jurisdictions unless expressly extended to them by the Company.
20.4 Any future EU expansion shall be subject to compliance with applicable EU regulation, including where relevant the EU GDPR, PSD2/PSD3, and any applicable consumer protection and digital services legislation.
21. SEVERABILITY
21.1 If any provision of these Terms is found by any court or competent authority to be invalid, unlawful, void, or unenforceable, that provision shall be deemed modified to the minimum extent necessary to make it valid, lawful, and enforceable. If such modification is not possible, the relevant provision shall be deemed deleted. Any modification or deletion of a provision shall not affect the validity and enforceability of the remaining provisions of these Terms.
22. ENTIRE AGREEMENT
22.1 These Terms, together with the Privacy Policy and any other documents expressly incorporated by reference herein, constitute the entire agreement between the Member and the Company in relation to the subject matter hereof, and supersede all prior agreements, representations, and understandings between the parties, whether written or oral.
22.2 The Member acknowledges that they have not relied on any representation, statement, or assurance of the Company that is not set out in these Terms in deciding to register for an Account or enter into any Commit Plan.
23. GOVERNING LAW AND JURISDICTION
23.1 These Terms and all matters arising out of or in connection with them, including any dispute or claim (whether contractual or non-contractual), shall be governed by and construed in accordance with the laws of England and Wales.
23.2 The parties irrevocably submit to the exclusive jurisdiction of the courts of England and Wales to settle any dispute or claim arising out of or in connection with these Terms or their subject matter or formation, save that either party may apply to any competent court for injunctive or other urgent interim relief.
23.3 Nothing in this Clause 23 shall limit the right of a Member who is a consumer to bring proceedings in the courts of the jurisdiction in which they are domiciled, where mandatory consumer protection laws confer such a right.
24. CONSUMER RIGHTS NOTICE
24.1 If you are a consumer entering into these Terms, you benefit from mandatory provisions of English law and applicable UK consumer protection legislation that cannot be excluded or limited by contract. These Terms do not affect your rights under the Consumer Rights Act 2015, the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, the Consumer Protection from Unfair Trading Regulations 2008, or any other applicable consumer protection legislation.
24.2 Under the Consumer Contracts Regulations 2013, you may have a right to cancel the Service within fourteen (14) calendar days of first registering for an Account, without giving any reason. If you exercise this right, the Company will refund any applicable fees paid in connection with Plans not yet commenced, less a proportionate amount for any service already provided. This right of cancellation does not apply in respect of Plans that have been fully performed during the cancellation period at the consumer's specific request.
24.3 If you are a consumer and are dissatisfied with any aspect of the Service or these Terms, you may contact the Company using the details set out in Clause 17.
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Flurzi Mobile App Limited | Company No. 16640198 | 16 Honiley Way, Coventry, CV2 1SN
These Terms and Conditions were last updated on March 4, 2026. Please check the Platform regularly for the most current version.Flurzi Commit Legal