LifeUp.
Terms & Conditions

1. Introduction and Acceptance

Welcome to LifeUp, your all-in-one financial app. These Terms and Conditions ("Terms") govern your use of the LifeUp platform, mobile application, and related services (collectively, the "Service") provided by LifeUp Financial Services ("LifeUp", "we", "us", or "our").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access or use our Service. These Terms constitute a legally binding agreement between you and LifeUp.

2. Regulatory Compliance and Licensing

LifeUp Financial Services operates under proper regulatory oversight and maintains the following licenses and registrations:

2.1 Money Services Business (MSB)

We are registered as a Money Services Business with registration number M23894006. Our MSB activities include:

• Foreign exchange dealing
• Money transferring
• Dealing in virtual currencies
• Payment service provider

2.2 Banking Partner Authorization

We are licensed by Quicko sp. z .oo (BIN provider) with NIP: 5213540295 to provide IBAN Accounts and issue Mastercard Debit Cards, ensuring full compliance with banking regulations.

2.3 International Operations

Our services operate under international regulatory frameworks with NIF: 980818621 (Portugal), allowing us to provide cross-border financial services in compliance with European and North American regulations.

3. Definitions

4. Eligibility and Account Registration

4.1 Age Requirement

You must be at least 18 years old to use our Service. By using LifeUp, you represent and warrant that you meet this age requirement.

4.2 Account Creation

To access our financial services, you must create an account by providing accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4.3 Identity Verification

We are required by law to verify your identity. You agree to provide all necessary documentation and information for identity verification, including but not limited to government-issued identification, proof of address, and financial information.

5. Financial Services

5.1 Available Services

LifeUp provides various financial services including:

• Digital wallet services
• Money transfers and payments
• Currency exchange
• Account funding and withdrawals
• Salary and payment receipt services
• Financial management tools

5.2 Transaction Limits

We may impose limits on the amount, frequency, and type of transactions you can conduct. These limits may vary based on your account verification level, transaction history, and applicable regulations.

5.3 Fees and Charges

Certain services may be subject to fees. All applicable fees will be clearly disclosed before you complete a transaction. We reserve the right to modify our fee structure with appropriate notice.

6. User Responsibilities

6.1 Lawful Use

You agree to use our Service only for lawful purposes and in accordance with these Terms. You must not use our Service:

• For any illegal or unauthorized purpose
• To violate any applicable laws or regulations
• To engage in money laundering or terrorist financing
• To transmit harmful or malicious code
• To impersonate any person or entity
• To interfere with or disrupt our Service

6.2 Account Security

You are responsible for maintaining the security of your account and must immediately notify us of any unauthorized access or security breach. You agree to use strong passwords and enable available security features.

6.3 Accurate Information

You must provide accurate, complete, and up-to-date information when using our Service. You agree to promptly update your information if it changes.

7. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Service, you consent to our privacy practices as described in the Privacy Policy.

8. Intellectual Property

The Service and its original content, features, and functionality are owned by LifeUp and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of our Service without our express written permission.

9. Limitation of Liability

To the maximum extent permitted by law, LifeUp shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

Our total liability to you for all claims arising from or relating to the Service shall not exceed the amount of fees paid by you to LifeUp in the twelve months preceding the claim.

10. Indemnification

You agree to defend, indemnify, and hold harmless LifeUp and its officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including attorney's fees) arising from your use of the Service or violation of these Terms.

11. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will cease immediately.

You may also terminate your account at any time by contacting our customer support. Upon termination, you remain liable for all transactions and obligations incurred prior to termination.

12. Dispute Resolution

Any disputes arising from or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the applicable arbitration authority. You waive any right to participate in class-action lawsuits or class-wide arbitration.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United Kingdom, without regard to its conflict of law provisions. Any legal action or proceeding shall be brought exclusively in the courts of London, England.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Service after such modifications constitutes acceptance of the updated Terms.

15. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. The invalid or unenforceable provision will be replaced with a valid provision that most closely reflects the intent of the original provision.

16. Contact Information

If you have any questions about these Terms, please contact us: