Meezo – Terms And Conditions

Effective Date: October 17, 2025

1. Introduction

Welcome to Meezo (“Meezo”, “we”, “our”, “us”). These Terms and Conditions (“Terms”) set out how you may use our mobile application, website, and related services (“Services”).

By creating an account or using Meezo, you agree to these Terms. Please read them carefully before you start using our Services.

Meezo Ltd acts as an agent of Finexer Ltd, which is authorised and regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number (FRN): 925695).

Meezo currently provides its Services only within the United Kingdom.

2. Who We Are

Meezo is a UK-based financial technology company on a mission to simplify money management. We bring multiple bank accounts and payment features together in one secure, user-friendly app.

Meezo is not a bank and does not hold or store customer funds.

When you make a payment through Meezo, we initiate the payment directly from your chosen linked bank account to the recipient’s account using secure, regulated connections. All payments and account access take place through FCA-regulated financial partners, and funds move only between banks—never through Meezo.

3. What Meezo Offers

Meezo allows you to:

  • Connect your UK bank accounts to view balances and recent transactions in one place.
  • Transfer money between your own linked accounts.
  • Send and receive peer-to-peer payments using a phone number, QR code, or MeezoID.
  • Pay small businesses or freelancers directly via QR code payments.
  • Meezo’s Services are designed to make everyday banking simpler, faster, and more connected — all while keeping your funds secure in your existing bank accounts.

4. Eligibility And Account Registration

To use Meezo, you must:

  • Be at least 18 years old.
  • Be a UK resident.
  • Hold a valid UK bank account with a supported bank.

You agree to provide accurate information when registering and to keep your account details secure.
You are responsible for any actions taken through your account unless you have notified us of unauthorised use.

5. Data Protection And Privacy

Your personal and financial information is protected under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Our Privacy Policy explains in detail how we collect, use, and protect your data. By using Meezo, you agree to the processing of your information as described there.

6. Security

We use industry-leading security practices, including:

  • Bank-grade encryption for data in transit and at rest.
  • Secure, regulated APIs to connect with your bank.
  • Multi-factor authentication (MFA) for account access.
  • Continuous monitoring for fraud and suspicious activity.

If you suspect any unauthorized activity, contact us immediately at support@meezopay.co.uk.

7. Your Responsibilities

When using Meezo, you agree to:

  • Use the Services only for lawful purposes.
  • Provide accurate and current information.
  • Not share your login credentials or access your account from compromised devices.
  • Not interfere with or misuse Meezo’s systems.

We may suspend or terminate your account if we detect misuse, fraud, or breaches of these Terms.

8. Third-Party Services

Meezo connects securely with banks and regulated payment service providers to deliver its Services. These third parties have their own terms and privacy policies that apply in addition to ours.

Meezo is not responsible for any issues caused by your bank or other external service providers.

9. Service Availability

We aim to provide reliable, continuous access to Meezo, but we cannot guarantee the Services will always be available or error-free.

We may carry out updates or maintenance from time to time and will provide notice when possible.

10. Limitation Of Liability

To the maximum extent permitted by law:

  • Meezo is not responsible for indirect, incidental, or consequential losses (including loss of data or profits).
  • Meezo is not liable for events outside our reasonable control, such as network failures or third-party service issues.
  • Our total liability in any 12-month period is limited to the amount you have paid to Meezo for using the Services in that period (if any).

Nothing in these Terms limits our liability for fraud, gross negligence, or death/personal injury caused by our actions.

11. Suspension Or Termination

Meezo may suspend or close your account if:

  • You breach these Terms.
  • You engage in fraud or misuse of the platform.
  • We are required to do so by law, Finexer, or the FCA.

You may close your account at any time by contacting support@meezopay.co.uk.

12. Intellectual Property

All intellectual property rights in the Meezo app, website, and materials belong to Meezo or our licensors. You may not copy, modify, distribute, or commercially use any part of the Service without prior permission.

13. Changes To These Terms

We may update these Terms from time to time. If changes are significant, we will notify you through the app or by email. Continued use of Meezo after changes take effect constitutes acceptance of the updated Terms.

14. Governing Law

These Terms are governed by and interpreted in accordance with the laws of England and Wales. Any disputes will be resolved in the courts of England and Wales.

15. Contact Us

At Meezo, we are committed to providing a high standard of service. If you are dissatisfied with any aspect of our services and have Questions, Concerns or Queries, Please raise a complaint and have it addressed promptly and fairly.

How to Submit a Complaint

You can submit your complaint to us using the following method:

Email: support@meezopay.co.uk

Please include the following details to help us resolve your issue efficiently:

Your full name and registered email address

A clear description of your complaint

Please provide relevant transaction details and supporting documents

Acknowledgement and Response Timeframes :

We will acknowledge receipt of your complaint within 1 business day.

We aim to investigate and provide a final response within 2 business days of receiving your complaint.

If additional time is required due to the complexity of the issue, we will inform you of the delay and provide an updated timeline.

Complaint Resolution

We will make every effort to resolve your complaint in a fair and timely manner. You will be informed of the outcome along with any actions taken.

Escalation (at Meezo)

If you are not satisfied with our final response, or if your complaint relates to payment processing services, you may request escalation.

Where applicable, complaints may be escalated to our payment service provider Finexer, for further review.

We will provide you with the relevant escalation details upon request.

Meezo Ltd acts as an agent of Finexer Ltd, which is authorised and regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number (FRN): 925695).

Address: 28 Riverview Court, Old Bellgate Place, London, E14 3SY

Meezo — Simplifying life, one click at a time.
Transforming how money moves. Your finances, seamlessly integrated.