Digital Capital Ltd
Website use is separate from entering a regulated-service contract.
1.1 These Website Terms of Use (“Website Terms”) govern your access to and use of the Digital Capital Ltd website and any related web-based interfaces (the “Website”).
1.2 The Website is operated by Digital Capital Ltd, a company incorporated in England and Wales (Company No. 10222334) with its registered office at 3rd Floor, 86–90 Paul Street, London, EC2A 4NE, United Kingdom.
1.3 Digital Capital Ltd is authorised by the Financial Conduct Authority as an Electronic Money Institution (FRN 900710).
2.1 These Website Terms:
define the conditions under which the Website may be used
establish limitations of liability
set expectations for acceptable use
protect Digital Capital from misuse of the Website
2.2 These Website Terms govern website use only. Digital Capital e-money and payment services, and any separate elected bank savings account, are governed by their applicable accepted service terms. Visiting this website or sending an enquiry does not open an account.
3.1 These Website Terms apply to:
all visitors to the Website
all users accessing content or functionality
prospective customers
Partner users accessing web interfaces
4.1 By accessing or using the Website, you agree to be bound by these Website Terms.
4.2 If you do not agree, you must not use the Website.
5.1 These Website Terms must be read together with:
Account and Payment Services Agreement
Privacy Notice
Cookie Policy
Acceptable Use Policy
5.2 Where there is a conflict:
service-specific terms take precedence over Website Terms
6.1 The Website provides:
general information
product descriptions
access points to services
6.2 The Website does not itself constitute:
a regulated financial service
advice
an offer to enter into a contract
6.3 Digital Capital is currently pre-operational and does not provide services or hold customer funds. Its planned initial package is for eligible UK-established hospitality businesses using GBP e-money and domestic payments, with optional separate savings subject to the applicable product arrangements. The pricing pages distinguish standard prices from temporary pilot benefits. No savings application or interest-rate offer is currently available through this website.
7.1 Content on the Website is for informational purposes only.
7.2 It must not be relied upon as:
financial advice
legal advice
investment advice
8.1 You are responsible for assessing the suitability of any information.
8.2 General information is not personalised advice, but we remain responsible for legally required disclosures and for ensuring that financial and product communications meet applicable standards. Nothing here excludes liability for a misleading statement or other liability that cannot lawfully be excluded.
9.1 We aim to provide continuous access to the Website.
9.2 However, access may be interrupted due to:
maintenance
updates
technical issues
9.3 We do not guarantee uninterrupted availability.
10.1 We may:
modify the Website
remove features
update content without notice.
10.2 A website edit does not change an existing regulated-service contract or replace the notice and durable-medium requirements applicable to it. Material changes must be presented accurately with the relevant version and effective date.
11.1 We may restrict access to:
certain users
certain regions
certain features
12.1 You must:
use the Website lawfully
comply with applicable laws
not misuse the Website
13.1 You must not:
attempt to gain unauthorised access
interfere with systems
misuse data
13.2 Detailed restrictions are set out in the Acceptable Use Policy.
14.1 We aim to ensure accuracy of content.
14.2 We take reasonable steps to keep product information and legal disclosures accurate and current and will correct identified errors promptly. General information may change, but this does not remove responsibility for misleading statements or legally required disclosures. A website update does not by itself amend an existing service agreement.
15.1 The Website may include links to third-party websites.
15.2 We are not responsible for:
their content
their services
16.1 Digital Capital Ltd is authorised and regulated by the FCA.
16.2 The Website may include regulatory disclosures required by law.
17.1 The initial regulated product is intended for eligible businesses established in the United Kingdom. Access to this public website from another country does not offer a regulated service there, establish EEA passporting or make SEPA, FX or international payments available.
17.2 Access from other jurisdictions may be restricted.
18.1 For enquiries, contact:
19.1 All intellectual property rights in the Website and its content are owned by or licensed to Digital Capital Ltd.
19.2 This includes:
text
graphics
logos
software
design
layout
databases
19.3 All rights are reserved.
20.1 You may:
access the Website
view content
use it for personal or internal business purposes
20.2 Any other use requires prior written permission.
20.3 You may download, print and retain legal terms and required disclosures for your own records and share them with your legal or other professional adviser or competent authority for a legitimate purpose. These uses are not prohibited by the general copying restrictions below.
21.1 You must not:
copy or reproduce content
distribute or publish content
modify content
create derivative works without permission.
22.1 You must not:
use automated tools to extract data
scrape content
harvest information without prior consent.
23.1 You must not:
reverse engineer systems
attempt to discover source code
analyse system architecture
23.2 This restriction applies only to the extent permitted by law and does not remove a non-excludable statutory right or an activity expressly authorised by Digital Capital.
24.1 You must not:
interfere with the Website
disrupt services
overload systems
25.1 You must not attempt to:
gain unauthorised access
bypass security controls
exploit vulnerabilities
26.1 Where access to secure areas is provided:
credentials must be kept confidential
unauthorised use is prohibited
27.1 Where the Website allows submission of content:
you are responsible for that content
content must not be unlawful or misleading
28.1 For content you submit, you grant only the non-exclusive, royalty-free licence reasonably necessary to receive, store, review and use it for the stated operational purpose. This does not transfer ownership, permit unrelated publication of confidential information or replace the lawful basis and limits in the Privacy Notice.
29.1 We may remove content where:
it breaches these Terms
it creates risk
30.1 You must not misuse personal data, collect it without a lawful basis or necessary permission, or otherwise breach data protection law. Consent is not the only lawful basis, but you must comply with the rules applicable to your activity.
31.1 You must not:
introduce viruses
upload malicious code
attempt to damage systems
32.1 We may monitor use of the Website to:
detect misuse
protect systems
33.1 Where misuse occurs, we may:
restrict access
block users
take legal action
34.1 Suspected misuse may be reported to:
authorities
regulators
35.1 The Website may rely on third-party services.
35.2 Third parties may have independent responsibilities, but we remain responsible for our own legal duties and any services we contract to provide. A third-party dependency does not automatically exclude liability.
36.1 Website functionality depends on:
networks
third-party infrastructure
37.1 We do not guarantee that:
the Website is error-free
the Website is secure
38.1 You are responsible for:
your use of the Website
any consequences of misuse
39.1 We may suspend access where:
misuse is detected
risk is identified
40.1 We may investigate suspected breaches.
40.2 This may involve:
system analysis
data review
41.1 You must cooperate with investigations.
42.1 We may seek reasonable, evidenced and legally recoverable costs directly caused by unlawful misuse or material breach, subject to causation and mitigation. We do not recover costs caused by our own fault or charge for exercising a lawful complaint or data protection right.
43.1 All rights not expressly granted are reserved.
44.1 Nothing in these Website Terms excludes or limits liability where such exclusion is not permitted by law.
44.2 Subject to clause 44.1, liability is limited as set out below.
44.3 In particular, we do not exclude liability for fraud or fraudulent misrepresentation, death or personal injury caused by negligence, or any statutory right or duty that cannot be excluded. Where a visitor is a consumer, mandatory consumer protections remain available even though the planned financial product is for businesses.
45.1 The Website is provided on an “as is” and “as available” basis.
45.2 We do not guarantee that:
the Website will be uninterrupted
the Website will be error-free
the Website will be secure
46.1 Subject to section 44 and only to the extent lawful and reasonable, we exclude indirect or consequential business losses and loss of profit, business or opportunity arising from use of this informational website. This does not exclude liability for legally required disclosures, misleading statements for which we are liable, data protection obligations or a regulated service governed by its own agreement.
47.1 You remain responsible for lawful use and your independent decisions. We remain responsible for our own statements, acts and omissions to the extent required by law; section 44 governs.
48.1 We do not control independent third-party websites, content or services and a link does not imply endorsement. This does not remove liability for our own selection, descriptions, processing or obligations where the law makes us responsible.
49.1 System failures, network issues and downtime may affect access. Liability is assessed under sections 44–46 and applicable law; these events are not automatic grounds to exclude every remedy.
50.1 While we implement security measures, we do not guarantee that:
the Website is free from vulnerabilities
access will be secure at all times
51.1 To the extent lawful, an event outside our reasonable control may excuse the affected performance where its consequences could not reasonably have been avoided. System outages, network failures, regulatory actions and natural disasters are assessed on their facts. We take reasonable steps to mitigate disruption and do not use this clause to remove mandatory customer or privacy rights.
52.1 You are responsible for:
your use of the Website
compliance with these Terms
53.1 A user is responsible for direct, reasonably foreseeable and legally recoverable loss caused by unlawful misuse or material breach, subject to proof, causation and mitigation. This does not cover our own negligence, breach or unlawful conduct and does not impose an unfair or prohibited indemnity on a consumer.
54.1 The Website does not constitute:
provision of regulated services
a binding offer
54.2 Regulated services are governed by separate agreements.
55.1 We may update these Website Terms at any time.
55.2 Changes apply prospectively to website use after appropriate publication and notice where required. They do not retrospectively change accrued rights, establish privacy consent or amend an existing account agreement without its required change procedure.
56.1 We may suspend or terminate access where:
misuse is identified
risk arises
57.1 If any provision is invalid, the remainder remains in force.
58.1 Failure to enforce a provision does not constitute a waiver.
59.1 These Terms do not create rights for third parties.
60.1 These Website Terms are governed by the laws of England and Wales.
61.1 The courts of England and Wales have jurisdiction.
61.2 This does not remove any mandatory right of a consumer to bring proceedings in another competent court or any statutory complaint or regulator route.
62.1 These Website Terms govern Website use only.