Terms of use for system users

Last updated 29 April 2026

These terms set out the rules for system users accessing Money Alive Office under a Platform Agreement. Please read them carefully before using the platform.

Last revised: 17.04.2026

What's in these terms

These terms tell you the rules for using the Money Alive Office (our platform) as a system user. You have been provided access to the platform as a system user. Further to an agreement we have entered into with your employer, you or an authorised firm to which you are an appointed representative, a principal, or a group company (the Platform Agreement). A copy of the Platform Agreement is available by emailing our customer service team at support@moneyalive.co.uk.

Who we are and how to contact us

The platform is operated by FCX Technologies Limited (We). We are registered in England and Wales under company number 09534126 and have our registered office at FCX Technologies, Department Leeds Dock, 4 The Blvd, Leeds, LS10 1PZ, United Kingdom. We are a limited company. Our VAT number is 218713314.

To contact us email our customer service team at support@moneyalive.co.uk.

Please note that we are not authorised and regulated by the Financial Conduct Authority.

By using our platform you accept these terms

By using our platform, you confirm that you accept these terms of use and that you agree to comply with them. Your account will be live on the platform for a minimum of 30 days, subject to our right to terminate as set out below.

If you do not agree to these terms, you must not use our platform.

We recommend that you print a copy of these terms for future reference.

There are other terms that apply to you

These terms of use refer to the following additional terms, which also apply to your use of our platform:

Our Privacy Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our platform, you consent to such processing and you warrant that all data provided by you is accurate.
Our Cookie Policy, which sets out information about the cookies on our platform.
The Platform Agreement.

We may make changes to these terms

We amend these terms from time to time. Every time you wish to use our platform, please check these terms to ensure you understand the terms that apply at that time. These terms were most recently updated on 17.04.2026.

We may make changes to our platform

We may update and change our platform from time to time to reflect changes to our products, our user's needs, and our business priorities.

We may suspend or withdraw our platform

We do not guarantee that our platform, 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 our platform for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

We may transfer this agreement to someone else

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under these terms.

You must keep your account details safe

If you choose, or you are provided with, a user identification code, password, or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to, or share it with, any third party, including to others within your organisation. Each account must represent a real individual and generic or role accounts are not permitted.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

You shall use all reasonable endeavours to prevent any unauthorised access to, or use of, the platform and, in the event of any such unauthorised access or use, promptly notify us by emailing support@moneyalive.co.uk.

How you may use material on our platform

We are the owner or the licensee of all intellectual property rights in our platform and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy and may download extracts of any page(s) from our platform for your personal use, and you may draw the attention of others within your organisation to content posted on our platform.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences, or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our platform must always be acknowledged.

If you print off, copy or download any part of our platform in breach of these terms of use, your right to use our platform will cease immediately, and you must, at our option, return or destroy any copies of the materials you have made.

Additional obligations

It is your responsibility to ensure that:

You cooperate with us in all matters relating to the platform.
You comply with all applicable laws and regulations, including data protection laws and rules and guidelines of the Financial Conduct Authority.

If our ability to provide the platform is prevented or delayed by any failure by you to fulfil any obligation listed in these terms (Your Default):

We will be entitled to suspend the performance of the platform until you remedy Your Default, and to rely on Your Default to relieve us from performance, in each case to the extent Your Default prevents or delays performance. In certain circumstances, Your Default may entitle us to terminate your use of the platform.

We will not be responsible for any costs or losses you sustain or incur arising directly or indirectly from our failure or delay to perform, and it will be your responsibility to reimburse us on written demand for any costs or losses we sustain or incur arising directly or indirectly from Your Default.

Prohibited uses

You may use our platform only for lawful purposes. You may not use our platform:

in any way that breaches any applicable local, national, or international law or regulation.
in any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose or effect.
for the purpose of harming or attempting to harm minors in any way.
to bully, insult, intimidate or humiliate any person.
to send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards (as set out below).
to knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware, or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

Content standards

These content standards apply to any files, media, videos, or content that you upload to our platform or send to end-users (Material).

The content standards must be complied with in spirit as well as in letter. The standards apply to each part of any Material as well as to its whole.

We will determine, at our discretion, whether Material breaches the content standards, but we will not review or examine any Material in advance.

Material must:

Be accurate (where it states facts).
Be genuinely held (where it states opinions).
Comply with the law or regulations applicable in England and Wales and in any country from which it is posted.

The material must not:

Be defamatory of any person.
Be obscene, offensive, hateful or inflammatory.
Bully, insult, intimidate or humiliate.
Promote sexually explicit material.
Include child sexual abuse material.
Promote violence.
Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.
Infringe any copyright, database right, or trademark of any other person.
Be likely to deceive any person.
Breach any legal duty owed to a third party, such as a contractual duty or a duty of confidence.
Promote any illegal activity.
Breach data protection legislation and guidance.
Be in contempt of court.
Be in breach of the guidance given by the Financial Conduct Authority.
Be threatening, abuse or invade another's privacy, or cause annoyance, inconvenience, or needless anxiety.
Be likely to harass, upset, embarrass, alarm, or annoy any other person.
Impersonate any person, or misrepresent your identity or affiliation with any person.
Give the impression that the material emanates from us.
Advocate, promote, incite any party to commit, or assist any unlawful or criminal act, such as (by way of example only) copyright infringement or computer misuse.
Contain a statement which you know or believe, or have reasonable grounds for believing, that members of the public to whom the statement is, or is to be, published are likely to understand as a direct or indirect encouragement or another inducement to the commission, preparation or instigation of acts of terrorism.

Personal data security options

When uploading Material to the platform or sending Material to end users, you need to consider whether it contains any personal data about the end-user or users. If it does, then you must select the "authenticated" option. If the Material contains no personal data (for example, a general market update to be sent to numerous clients), then you can choose whether to select the "authenticated" option or not.

We take no responsibility and exclude all liability if you incorrectly select the wrong option and send personal data without selecting the "authenticated" option.

Confidentiality

We each undertake that we will not, at any time, disclose to any person any confidential information concerning one another's business, affairs, customers, clients, or suppliers, except as permitted by this "Confidentiality" paragraph.

We each may disclose the other's confidential information:

to such of our respective employees, officers, representatives, subcontractors, or advisers who need to know such information for the purposes of carrying out our respective obligations under these terms. We will each ensure that such employees, officers, representatives, subcontractors, or advisers comply with this "confidentiality paragraph"; and as may be required by law, a court of competent jurisdiction, or any governmental or regulatory authority.

Each of us may only use the other's confidential information for the purpose of fulfilling our respective obligations under these terms.

Limitation of liability: YOUR ATTENTION IS PARTICULARLY DRAWN TO THIS PARAGRAPH

Nothing in these terms limits or excludes our liability for:

death or personal injury caused by our negligence, or the negligence of our employees, agents, or subcontractors; fraud or fraudulent misrepresentation; or

breach of the terms implied by section 2 of the Supply of Goods and Services Act 1982 (title and quiet possession) or any other liability which cannot be limited or excluded by applicable law.

Subject to the preceding paragraph starting "Nothing in these terms", we will not be liable to you, whether in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising under or in connection with these terms for:

loss of profits;
loss of sales or business;
loss of agreements or contracts;
loss of anticipated savings;
loss of use or corruption of software, data, files, or information;
loss of or damage to goodwill; and
any indirect or consequential loss.

Subject to the preceding paragraph starting "Nothing in these terms", our total liability to you arising under or in connection with your use of the platform and these terms, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, will be limited to 100% of the total "Charges" (as defined in the Platform Agreement) paid under the Platform Agreement in the previous 12 months.

Except as expressly stated in these terms, we do not give any representations, warranties, or undertakings in relation to the platform. Any representation, condition, or warranty which might be implied or incorporated into these Terms by statute, including without limitation the terms implied by sections 3 to 5 of the Supply of Goods and Services Act 1982, by common law or otherwise, is, to the fullest extent permitted by law, excluded.

The content on our website and platform is provided for general information only. It is not intended to amount to advice on which any third party should rely. We shall have no liability to you for any content (in any format) which you upload to our website or platform.

In consideration of us providing the platform, you agree to indemnify us in full for and against all claims, costs, damages, expenses, or liabilities whatsoever and howsoever arising, incurred, or suffered by us including without limitation all reasonable legal expenses and other professional fees (together with any VAT thereon) in relation to (i) claims brought against us by individuals that (a) were referred to us by you and (b) relate to services provided by you to the individual, and (ii) claims brought against us that any files, media, videos, material, or content uploaded by you infringes the intellectual property rights of a third party or breaches any applicable law or regulation.

How we may use your personal information

We will only use your personal information as set out in our Privacy Policy.

Authority

We have no authority to:

enter into binding contracts on your behalf;
offer any advice or express any opinion on the suitability of any of your products or services, or undertake any activity that might lead a person to believe that they have received such advice or opinion;
provide any explanation or discussion, or answer any questions regarding the investment or pension needs of a visitor, or on the working of any of your products or services; assist a visitor in any way to apply for one of your products or services;
issue any document relating to you;
pledge your credit or accept orders or make any contract, undertaking or agreement on your behalf; or otherwise act in the name of, or as an agent of, you.

Events outside our control

We will not be liable or responsible for any failure to perform or delay in performance of any of our obligations under these terms that is caused by any act or event beyond our reasonable control.

Termination

Without limiting any of our other rights, we may terminate your right to access the platform with immediate effect by giving written notice (including by email) to you if:

you commit a material breach of any provision of these terms; do not keep your account details safe or share them; there is a material breach of the Platform Agreement; you take any step or action in connection with you entering administration, provisional liquidation or any composition or arrangement with your creditors (other than in relation to a solvent restructuring), being wound up (whether voluntarily or by order of the court, unless for a solvent restructuring), having a receiver appointed to any of your assets or ceasing to carry on business or if the step or action is taken in another jurisdiction, in connection with an analogous procedure in the relevant jurisdiction; you suspend, threaten to suspend, cease or threaten to cease to carry on all or a substantial part of your business; or your financial position deteriorates to such an extent that in our opinion your capability to adequately fulfill your obligations under these terms has been placed in jeopardy.

Termination will not affect our rights and remedies that have accrued as at termination.

Any provision of these terms that expressly or by implication is intended to come into or continue in force on or after termination will remain in full force and effect.

Which country's laws apply to any disputes

These terms of use, their subject matter, and their formation (and any non-contractual disputes or claims) are governed by English law.