Nothing on this website:

• Constitutes financial, investment, legal, tax, or regulatory advice
  
• Constitutes an offer to provide regulated financial services
  
• Constitutes an offer, invitation, or solicitation to invest
  
• Creates any client, advisory, fiduciary, partnership, or agency
  
• Should not be relied upon for decision-making without independent professional advice
  
• This website is intended for corporate, institutional, and partnership engagement only.
  

All regulated financial activities referenced on this website remain the responsibility of appropriately authorized and licensed financial institutions within their respective jurisdictions.

ThriftPay Technology Limited:

• Is not required to be authorized or regulated by the Financial Conduct Authority (FCA) in the United Kingdom for the services it provides
  
• Does not hold or control client funds
  
• Does not provide regulated financial services to the public
  
• Does not act as a bank, deposit-taking institution, payment institution, electronic money institution, or investment firm
  

Where services are delivered within regulated environments, they are structured to support — not replace — the compliance obligations of licensed financial institutions.

ThriftPay Technology Limited provides infrastructure and technology solutions to licensed financial institutions.

These institutions are responsible for delivering financial services to end users, including traders, workers, artisans, self-employed individuals, and businesses.

ThriftPay does not directly onboard or provide services to individual consumers.

We may share personal data with:

• Professional advisers (legal, compliance, auditors)
  
• IT and website service providers
  
• Regulatory or governmental authorities where legally required
  
• All third parties are required to implement appropriate data protection and confidentiality measures. authorities where legally required
  

Any formal engagement will require separate written agreements.

All content on this website, including but not limited to:

• Text
  
• Graphics
  
• Branding
  
• Logos
  
• Design
  
• Layout
  
• Structure
  

Is the property of ThriftPay Technology Limited unless otherwise stated.

You may not reproduce, distribute, modify, republish, or exploit any website content without prior written consent.

Unauthorized use may result in legal action.

You agree not to:

• Use this website for unlawful purposes
  
• Attempt to gain unauthorized access to systems or infrastructure
  
• Introduce malicious software or harmful code
  
• Interfere with website functionality or security
  
• Misrepresent your identity or affiliation
  
• Attempt to scrape, copy, or extract data from the website using automated tools
  
• Use the website in a way that could harm the reputation of ThriftPay Technology Limited
  

We reserve the right to restrict or terminate access where misuse occurs.

Such action may be taken without prior notice.

To the fullest extent permitted by law:

• ThriftPay makes no representations or warranties, express or implied, regarding the accuracy, completeness, or reliability of website content.
  
• All content is provided on an “as is” and “as available” basis.
  
• We shall not be liable for any direct, indirect, incidental, consequential, or economic loss arising from use of this website.
  
• Use of this website is at your own risk
  

Nothing in these Terms excludes or limits liability for death, personal injury, fraud, or any liability that cannot be lawfully excluded under English law.

To the maximum extent permitted by applicable law.