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Website Terms

Last updated: 7 January 2026

Please read these Website Terms carefully as they contain important information.

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1. Introduction

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1.1 Company Information

nsave Limited (“nsave”, “we”) is a limited company registered in England and Wales under company number 14337994. Our registered office is at 124 City Road, London EC1V 2NX.

1.2 Regulatory Status

We are not regulated by the Financial Conduct Authority.

1.3 Our Services

We operate www.nsave.com (the “Website”) and the nsave mobile device application (the “App”). The App allows Members to access electronic money accounts (each an “Account”). Accounts and any related payment cards are provided and/or issued by our Partners.

1.4 Contact Information

You can contact us via the App, by emailing support@nsave.com, or by writing to us at nsave, 124 City Road, London EC1V 2NX.

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2. About These Terms

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2.1 Acceptance

By using the Website, you confirm that you have read, understood, and agree to these Website Terms. If you do not agree, you must not use the Website. We recommend printing a copy for future reference.

2.2 Incorporated Policies

These Website Terms incorporate our:

  • Privacy Policy (www.nsave.com/privacy)
  • Cookie Policy (www.nsave.com/terms/cookie)

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3. Other Terms That Might Apply

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3.1 Account Terms

If you open an Account, you will be required to agree to:

  • the Membership Agreement and App Terms; and
  • the account terms issued by the Partner providing the Account.

3.2 Partner Services

If you use services provided by nsave Partners outside of Accounts, you must agree to the applicable Partner terms.

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4. Information on the Website

4.1 Accuracy of Information

While we make reasonable efforts to update Website content, we make no guarantees that content is accurate, complete, or up to date.

4.2 No Advice

Website content is for general information only and does not constitute advice. You should seek professional advice before acting on Website content.

4.3 Updates

We may update or change Website content at any time.

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5. Changes to These Website Terms

5.1 Amendments

We may amend these Website Terms from time to time. The latest update date appears at the top of this page.

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6. Transfer of Website Terms

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We may transfer our rights and obligations under these Website Terms to another organisation.

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7. Use of Website Materials

7.1 Intellectual Property

We own or license all intellectual property rights in the Website and its content.

7.2 Restrictions

No Website content may be reproduced, distributed, or reused without permission. Downloading content does not grant ownership rights.

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8. Text and Data Mining / Web Scraping

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8.1 Prohibited Activities

You must not conduct or permit text or data mining, web scraping, or automated data extraction, including for AI training.

8.2 Reservation of Rights

This clause constitutes an express reservation of rights under Article 4(3) of the EU Digital Copyright Directive.

8.3 AI Use Prohibition

We do not consent to the use of Website content for developing, training, or validating AI systems.

8.4 Legal Limitations

This clause applies except where exclusion is not permitted by applicable law.

8.5 Permissions

Requests for use beyond this clause must be sent to support@nsave.com.

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9. Trademarks

9.1 Ownership

“nsave” and its logo are registered trademarks.

9.2 Restrictions

You may not use our trademarks without approval.

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10. Links to Third-Party Websites

10.1 External Links

Links are provided for information only and do not constitute endorsement.

10.2 No Control

We are not responsible for third-party website content.

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11. Viruses

11.1 Security

We do not guarantee that the Website is secure or virus-free.

11.2 User Responsibility

You must use appropriate virus protection.

11.3 Misuse

Unauthorised access, malware, or attacks are prohibited and may constitute criminal offences.

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12. Liability

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12.1 Non-Excludable Liability

We do not exclude liability where unlawful, including for death, personal injury, or fraud.

12.2 Other Liability

Liability for products or services is governed by the relevant Membership Agreement or Partner terms.

12.3 Private Use

The Website is for personal use only. We are not liable for business losses.

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13. Suspension or Withdrawal

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13.1 Availability

The Website is provided free of charge.

13.2 Interruptions

We may suspend or withdraw Website access for operational reasons.

13.3 User Responsibility

You are responsible for ensuring others using your connection comply with these Terms.

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14. Use of Personal Information

We use personal information in accordance with our Privacy Policy.

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15. Governing Law

These Website Terms are governed by English law, with jurisdiction in England and Wales (with regional exceptions for Scotland and Northern Ireland).

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16. Severability

Invalid provisions do not affect the enforceability of remaining terms.

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Copyright © 2025 nsave Ltd. All rights reserved.
This website is owned and operated by nsave 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.

npay Inc. is registered in the United States in the State of Delaware. npay Inc. partners with licensed financial institutions and is a technology services provider, not a bank.

GBP and Multi-Currency accounts are offered by Frost Money Ltd; an Electronic Money Institution authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN 1020783). Client funds are safeguarded in UK- or EEA-authorised credit institutions but are not protected by the Financial Services Compensation Scheme.

nsave ltd is appointed under Regulation 33 of the EMRs to distribute and/or redeem electronic money on behalf of Frost Money Ltd and is not itself authorised to issue electronic money or provide payment services. More details can be found in the
Frost End-User T&Cs, which you must agree to before using any services provided by Frost Money Ltd.

The GBP and EUR card accounts are issued by AF Payments Limited pursuant to a licence 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). For more information on Safeguarding, please feel free to consult the FCA website:
https://www.fca.org.uk/consumers/using-payment-service-providers.