General Terms & Conditions

These terms apply from September 15, 2023.

These Terms of Use apply to (“nsave”, “we”, “us”, “our”, “Website”) and apply to all users accessing the services of Masref Ltd. (hereinafter “customer”). Our Terms and Conditions apply to the use of all services offered by nsave with all contents, functions, services, and rules within the framework of the contract. By accessing and continuing to access this website and all information and functionality contained herein (the “Website”), you confirm that you have read, understood and are in an agreement with the terms and conditions below, including the waiver of warranty and liability. Additionally, nsave's privacy policy applies.

Continued access to this website following any modification in these Terms of Use will constitute your acceptance of the Terms of Use as modified. Access to and use of this website are subject to and shall be construed in accordance with applicable regulations in the UK exclusively.

The nsave application (“app”) is operated by Masref Ltd. Masref Ltd. is registered in the UK, our Company number is 14337994. The nsave Debit Mastercard is issued by AF Payments Limited, a regulated EMI with FCA Firm Registration Number 900440 (“Partner”). The Terms of Use of the Account can be found here In addition to these terms, separate terms and conditions of third-party service providers may apply. They allow access to and use of customer data insofar as this is necessary for the provision of services offered by nsave and the customer actively consents to its use.

If you have any questions or concerns, please contact us at or write a mail to us at our address: 124 City Road, London, United Kingdom EC1V 2NX. You can also contact our customer support at any time on WhatsApp at +44 7418 610405.

1. Information contained on Website

Though nsave takes all reasonable care to ensure the correctness and accuracy of the information presented on the Website, nsave does not warrant the adequacy, accuracy, reliability or completeness of the information contained on the Website and expressly disclaims liability for errors or omissions. Users are responsible for evaluating the reliability and completeness of any information or content available on this Website. nsave may amend the content of the Website at any time without notice.

2. No advice or financial services

All information contained on the Website is for informational purposes only. This Website does not provide investment, legal, accounting or tax advice and nothing on the Website should be construed as personalized advice. Please seek advice from a qualified specialist when deciding to use our services. This Website is not, and should not be construed as, marketing, an offer, or a solicitation of an offer, to buy or sell any securities or other financial instruments. We do not provide any banking, brokerage, asset management, portfolio management, distribution or investment services.

3. Restriction of access and distribution

The services are provided in the United Kingdom. Neither the Website nor the information and functions contained on the Website are directed at or intended for distribution to, or use by, any person in any jurisdiction where the use of the services or distribution of such information or functions is forbidden. The information contained herein is provided for informational purposes only and it is the responsibility of any person in possession of this document to inform themselves of and comply with all applicable laws and regulations in any relevant jurisdiction.

These services may not be available for nationals or residents of certain countries. Furthermore, due to geographic location, the Website or some of its content, features or services may be unavailable.

4. No warranties

Website users expressly agree that the use of the Website is at their sole risk. To the extent permitted under applicable law, any and all warranty for the Website is excluded. nsave provides the Website “as is” and “as available” without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose and of uninterrupted and/or error-free availability and/or accessibility of services.

nsave reserves the right to completely restrict, block or cancel any access to the Website at any time and for any reason, without notice and without any liability.

5. Forward looking statements

nsave operates in a continually changing environment and new risks emerge continually. Users are cautioned not to place reliance on forward-looking statements contained on the Website such as plans, objectives, targets and trends, and to undertake their own assessment. In particular, forward-looking statements on the Website involve known and unknown risks, uncertainties and other factors, which may cause nsave’s services, legal and regulatory framework, financial condition, or prospects to be materially different from forward-looking statements and impact nsave’s capacity to provide certain services.

6. Account Security

If you choose a user ID code, password or other information as part of our security procedures, or if you are provided with such information, you must treat it as confidential. You must not disclose it to any third party. We have the right to disable any user identification code or password at any time, whether chosen by you or assigned by us, if we reasonably believe that you have failed to comply with any of the provisions of these Terms.

If you know or suspect that someone other than you obtained your user ID or password, you must promptly notify us.

7. Exclusion of liability and indemnification

Unless in presence of gross negligence or willful intent, in no event shall nsave or any of its members, employees, affiliates or other representatives be liable for damages arising out of or in connection with the use of this Website or any reliance on any of the content provided on the Website or the inability to access or use the Website. This limitation of liability applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit loss, costs, loss of or damage to property and claims of third parties.

Website users shall hold nsave or any of its members, employees, affiliated or other representatives harmless against any damage, claim (including legal and attorney’s fees) arising from their access and use of the Website or by any third party in connection with their access and use of the Website.

8. Copyrights

Our trademark “nsave” and logo is registered in the United Kingdom as well as in other jurisdictions where the company has operations.

The contents, features and functionalities of this Website (including but not limited to text, graphic, user interface, visual interface, photographs, videos, database, trademark, logo) is the property of nsave or its licensors and may be viewed only for your personal, non-commercial use.

No part of this Website may be reproduced, distributed, published, linked or delivered to any other party for any purpose. In no event shall a user acquire title to any software or Website material by downloading it, or otherwise copying it, from the Website.

9. Links and contents to other websites

Links on the Website may be directed to third-party websites, which are not owned nor controlled by nsave. Access to these third-party websites is, at the user’s own risk and responsibility, subject to the terms and conditions and privacy policies of the relevant third-party providers.

10. Data protection

Users’ access to and use of the Website constitutes its acceptance of nsave’s Privacy Policy which is hereby incorporated in the present Terms by reference.

11. Notifications

We may send notices to the email address you have provided. It is your responsibility to ensure that you notify us of any changes to your email address. Any notice sent by us to your email address is considered delivered at the time of sending.

12. Miscellaneous

The Terms apply to any Website user as long as such user accesses and uses the Website.

nsave reserves the right to amend the present Terms in its sole discretion, at any time and without any prior notice. The most current version published on the Website applies.

In the event that any of the terms of these Terms are found to be invalid, unlawful or unenforceable, such terms will be separable from the remaining terms, which shall continue to be valid and enforceable.

13. Applicable law and Place of jurisdiction

Use of the Website shall be subject to laws of England and Wales, which shall exclusively govern the interpretation, application, and effect of all the conditions of use set out above, without regard to its conflict of laws provision. You agree to the non-exclusive jurisdiction of the English courts.

This website is owned and operated by Masref Ltd., incorporated in the United Kingdom The information provided is not legally binding and does not constitute an offering, endorsement, recommendation or solicitation to enter into any type of financial transaction in this or in any other jurisdiction in which such solicitation or offer would be unlawful under the laws of such jurisdiction. The GBP and EUR card accounts are issued by AF Payments Limited pursuant to a license by Mastercard International. AF Payments Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 900440) for the issuing of electronic money and payment instruments. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International. As a registered EMI, AF Payments holds your funds in a safeguarding account which offers protection if AF Payments goes out of business. It is important to know that as a non-bank payment provider, your money is not protected by the Financial Services Compensation Scheme (FSCS). Copyright © 2024 Masref Inc. All rights reserved.

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Copyright © 2024 Masref Ltd. All rights reserved.

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