Terms of use

1. What these terms cover

These terms are a contract between you and THE TWENTY FINTECH LTD governing your use of the website at thetwentyfintech.co.uk, every page on it, and any file downloaded from it.

They do not govern engagement work. Where the company builds or supplies something for a client, that is governed by a separate signed agreement, described in section 10. Nothing on this site forms part of such an agreement or varies one.

2. Who we are

THE TWENTY FINTECH LTD is a private company limited by shares, registered in England and Wales under company number 17061506. Registered office: 66 Paul Street, London, England, EC2A 4NA.

"We", "us" and "our" mean THE TWENTY FINTECH LTD. "You" means the person using the site. Officer details are on the public Companies House record for company number 17061506 and are not reproduced here.

3. Our regulatory position

This section matters more than the rest, because the word "fintech" in a company name leads people to assume things that are not true here.

The company is not authorised or regulated by the Financial Conduct Authority. It does not appear on the Financial Services Register. It carries out no regulated activity under the Financial Services and Markets Act 2000 or the Regulated Activities Order.

Specifically, and without limiting that statement, the company does not:

• hold, control or transmit client money;
• operate a payment service, issue electronic money, or act as an agent or distributor for anyone who does;
• accept deposits, arrange or advise on investments, or deal in them;
• provide credit, credit broking, debt advice or insurance mediation;
• operate an account, a wallet, an exchange or a custody service of any kind;
• hold or transact in cryptoassets on anyone's behalf, and it is not registered with the FCA under the Money Laundering Regulations for cryptoasset activity.

The company writes software. Where that software is used inside a regulated firm, the regulatory obligations remain with that firm. Buying software from us does not transfer any part of a client's regulatory responsibility to us, and no statement on this site should be read as suggesting otherwise.

Because the company is not authorised, no protection under the Financial Ombudsman Service or the Financial Services Compensation Scheme applies to anything it does.

4. Accepting these terms

Using the site means accepting these terms. There is nothing to click and no account to create. If you do not accept them, please leave.

If you use the site for an organisation, you confirm you have authority to bind it, and these terms bind it as well as you. You must be at least 18.

5. What this website is

The site describes what the company works on and how to start a conversation. It is not an offer capable of acceptance, not a quotation, not a commitment on price, timetable or availability, and not a warranty about any outcome.

The company was incorporated in 2026. Where a page says something is not yet in place, that is a statement of fact rather than a placeholder for a future claim.

6. Permission to use the site

We grant you a limited, non-exclusive, non-transferable, revocable licence to view, print and store pages of this site for your own information and to evaluate us as a supplier. That licence lasts while you comply with these terms and transfers ownership of nothing.

You may link to any page and quote a short passage, provided you do so accurately, do not present the material as your own, and do not imply an endorsement or relationship that does not exist.

7. Prohibited use

You must not:

• copy, republish, sell, rent, sub-licence or commercially exploit any part of the site;
• scrape or systematically extract content by automated means, or use it to build or train a dataset or model, save that a search engine may index the site normally;
• attempt unauthorised access to the site, its server or any connected system;
• probe, scan or test the site's security without prior written permission;
• introduce malicious code, or attack the site by denial of service;
• use the site unlawfully or in a way that infringes anyone's rights;
• misrepresent your identity or affiliation when contacting us;
• state or imply that the company is regulated, or that it endorses or is connected with a financial product or firm, when it does not and is not.

Breach of this section may be an offence under the Computer Misuse Act 1990. Where we consider it is, we will report it and cooperate with the authorities, including by disclosing your identity where we can establish it.

8. Intellectual property

We own or are licensed to use all intellectual property rights in the site and its content, including text, layout, typographic arrangement, source code and stylesheet. All rights not expressly granted in section 6 are reserved. Typefaces are licensed from their owners and are not ours to sub-licence.

Third-party names and marks, if they appear, remain their owners' property and are used descriptively. Their presence implies no endorsement or affiliation.

If you believe material here infringes a right you hold, write to the address in section 22 identifying the material, its location, the right and the basis of the claim. We will review it and respond.

9. Enquiries create no contract

An enquiry starts a conversation. It creates no contract, retainer or obligation on either side, and we may decline it without giving a reason.

Do not send confidential information in a first enquiry. Until a confidentiality agreement is in place we cannot treat what you send as confidential. If you need protection before you can describe the problem, say so and we will put an agreement in place first.

Never send credentials, production data, personal data belonging to your customers, or anything subject to a regulatory restriction, by email. If a discussion needs real data, we will agree a secure route and a lawful basis for it first.

10. How engagements are contracted

Work begins only on a signed written agreement. That agreement, with any statement of work under it, sets the scope, deliverables, acceptance criteria, timetable, fees, payment terms, intellectual property position, confidentiality, the Article 28 UK GDPR terms where we act as processor, and the liability position for that engagement.

Where the signed agreement and this document differ, the signed agreement prevails for that engagement. This document continues to govern website use.

Nothing said in a meeting, an email or a call binds either side on scope, price or timetable unless recorded in the signed agreement or a written variation.

11. No advice and no reliance

The site is general information. It is not financial, investment, legal, regulatory, tax, accounting or professional advice, and it is not tailored to your circumstances. It is not a personal recommendation and it is not a financial promotion.

Do not act or refrain from acting on the basis of anything here. Where a decision needs advice, take it from someone briefed on your facts who accepts responsibility for it. Where a decision touches a regulated activity, take it from an appropriately authorised firm.

We make no representation and give no warranty that the site is complete, current or fit for any purpose, and we may change it without notice.

12. Availability

The site is free and provided on an "as available" basis. We do not guarantee uninterrupted availability, freedom from error, or correction of any defect. We may suspend, withdraw or restrict it for business or operational reasons.

You are responsible for your own access, and for making sure anyone reaching the site through your connection knows and follows these terms.

13. External links

Links to other websites are for information. We do not control them, do not endorse them, and are not responsible for their content, availability or data handling. Follow them at your own risk and read their terms.

14. Personal data

Personal data is handled as set out in the privacy notice, which forms part of these terms by reference. Device storage is covered by the cookie notice. Where we act as processor for a client, the signed agreement governs that processing rather than this document.

15. Consumers

The site is aimed at businesses. If you use it as a consumer, meaning for purposes wholly or mainly outside a trade, business, craft or profession, you keep every right the law gives you.

Nothing here affects your statutory rights, including under the Consumer Rights Act 2015. Where any part of these terms conflicts with such a right, the right prevails. As a consumer you may bring proceedings where you live, whatever section 21 says.

16. Liability

Read this section carefully. It limits what we are responsible for.

Nothing in these terms excludes or limits our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; any liability that cannot lawfully be excluded; or, for consumers, any liability under the Consumer Rights Act 2015 that cannot be excluded.

Subject to that, and because the site is free:

• we exclude all conditions, warranties and other terms implied by statute, common law or equity;
• we are not liable for loss of profit, revenue, business, anticipated savings, goodwill, data or any indirect or consequential loss arising from use of, or inability to use, the site, or from reliance on anything published on it;
• our total liability in connection with the site, in contract, tort including negligence, breach of statutory duty or otherwise, is limited in aggregate to one hundred pounds sterling.

That cap applies to the website only. Liability for engagement work is set in the signed agreement and is not limited by this section.

We are not liable for damage caused by a virus or other harmful material that infects your equipment through use of the site. Use your own protection.

17. Matters outside our control

We are not liable for failure or delay in making the site available where the cause is outside our reasonable control, including failure of a hosting provider, network or power failure, act of a public authority, industrial action, or a cyber attack on infrastructure we do not operate.

18. Withdrawing access

We may withdraw permission to use the site immediately and without notice if you breach these terms. You must then stop using it, and we may take further steps including reporting the breach.

19. Changes

We may revise these terms. The version in force is the one on this page, and the effective date above tells you when it took effect. Continuing to use the site after a change means accepting the revised terms. A change here does not alter a signed engagement agreement.

20. General

Whole agreement. These terms, with the privacy and cookie notices, are the whole agreement about your use of the site and replace anything said or written before.

Severability. If a provision is held invalid or unenforceable, it is severed and the rest continues.

No waiver. Delay in enforcing a right is not a waiver of it.

Assignment. You may not transfer your rights or obligations. We may transfer ours to a company acquiring our business, and will say so on this page.

Third parties. A person who is not a party has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any of these terms.

21. Law and jurisdiction

These terms, their subject matter and their formation are governed by the law of England and Wales. The courts of England and Wales have exclusive jurisdiction over any dispute arising out of or in connection with them, subject to a consumer's rights under section 15.

22. Contact

Email [email protected]. For a personal data matter use [email protected] as set out in the privacy notice.

Formal notices may be sent to the registered office: THE TWENTY FINTECH LTD, 66 Paul Street, London, England, EC2A 4NA.