Terms of service.

These terms of service ("Terms") govern your use of the Treasurii platform and website operated by Treasurii ("we", "us", "our"). By accessing or using our services, you agree to be bound by these Terms. If you do not agree, do not use our services.

These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

1. Definitions

• "Platform" means the Treasurii web application accessible at app.treasurii.co.uk.
• "Services" means all services provided by Treasurii, including the Platform, the website, and any APIs.
• "Customer" means the organisation that has entered into an agreement with Treasurii to use the Services.
• "User" means an individual authorised by the Customer to access the Platform.
• "Self-Serve Tiers" means the Starter and Analytics tiers of the Platform, which are SaaS-only and do not include FX execution services.
• "Execution Tiers" means the Execution and Institutional tiers of the Platform, through which Customers may instruct FX execution and payment services via FCA-authorised third-party execution partners. Treasurii is not itself authorised by the FCA; the execution partner is the regulated counterparty.
• "Partner Tier" means the white-label distribution tier.

2. Services

2.1 Self-serve tiers (Starter & Analytics)

The Self-Serve tiers provide treasury management software including exposure capture, live mark-to-market valuation, hedging policy tooling, and board reporting. They do not include FX execution services. Customers on these tiers manage their own banking relationships and execution.

2.2 Execution tiers (Execution & Institutional)

The Execution tiers include all Self-Serve functionality plus the ability to instruct FX execution and payment services via Treasurii's panel of FCA-authorised execution partners. The execution partner — not Treasurii — is the regulated counterparty for any executed trade and is the entity that holds client funds and performs settlement. Access to the Execution tiers is conditional on the Customer completing the chosen execution partner's onboarding (including KYC, AML, and any partner-specific suitability checks) and on Treasurii's own technical onboarding for the Platform.

FX transactions are executed at the rates available from our liquidity panel at the time of execution. Rates are not guaranteed until a trade is confirmed. Past rates are not indicative of future rates.

2.3 Partner tier

The Partner tier allows authorised distributors to white-label and distribute the Platform under their own brand. Partner terms are set out in a separate Partner Agreement, which takes precedence over these Terms where there is any conflict.

2.4 Information platform

The Treasurii website at treasurii.co.uk is an information resource. Nothing on the website constitutes financial advice, investment advice, or a recommendation to execute any transaction.

3. Eligibility and onboarding

The Platform is available to corporate entities only. By signing up, you confirm that:

• You are authorised to enter into these Terms on behalf of the Customer organisation.
• The Customer is a legal entity registered in a jurisdiction we support.
• The Customer is not subject to sanctions or restrictions that would prevent us from providing Services.
• All information provided during onboarding is accurate and complete.

We reserve the right to decline any application at our sole discretion and without providing a reason.

4. Acceptable use

You agree not to:

• Use the Services for any unlawful purpose, including market manipulation, fraud, or money laundering.
• Attempt to gain unauthorised access to any part of the Platform or to any other system or network connected to the Platform.
• Introduce malware, viruses, or any other harmful code.
• Scrape, crawl, or systematically extract data from the Platform without our written permission.
• Use the Platform to transmit unsolicited commercial communications.
• Impersonate any person or entity or misrepresent your affiliation with any person or entity.
• Reverse engineer, decompile, or disassemble any part of the Platform.

We reserve the right to suspend or terminate access immediately for any breach of this section.

5. Accounts and security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us immediately at support@treasurii.co.uk if you suspect any unauthorised access to your account.

We implement industry-standard security measures including encryption in transit and at rest, row-level data isolation, and role-based access controls. See our security page for more detail.

Multi-factor authentication is required for all platform accounts.

6. Fees and payment

6.1 Self-serve tiers (Starter & Analytics)

Self-Serve tier fees are charged on a monthly or annual basis as agreed during onboarding. Fees are invoiced in advance. Payment terms are 14 days from invoice date.

6.2 Execution tiers (Execution & Institutional)

The Execution tiers are priced on a spread basis applied to executed FX transactions. The applicable spread is set out in your onboarding agreement. There is no separate monthly platform fee on these tiers.

6.3 Changes to fees

We will provide at least 30 days' written notice of any change to fees. Continued use of the Services after the notice period constitutes acceptance of the new fees.

6.4 Late payment

Late payments may accrue interest at 4% above the Bank of England base rate from the due date until payment is made, in accordance with the Late Payment of Commercial Debts (Interest) Act 1998.

7. Data and confidentiality

We process personal data in accordance with our privacy notice. Your trading data, exposure data, and organisational information are your confidential information. We will not share it with third parties except as set out in our privacy notice or as required by law or regulation.

You grant us a limited licence to process your data solely for the purpose of providing the Services. We do not use your data to train machine learning models or for any purpose other than providing the Services.

Audit logs are immutable. Once created, they cannot be modified or deleted by any user, including Treasurii staff. This is a deliberate design choice to support regulatory compliance.

8. Intellectual property

The Platform, including all software, design, content, and documentation, is owned by Treasurii and protected by intellectual property laws. These Terms do not grant you any ownership rights in the Platform.

You retain ownership of all data you input into the Platform. You grant us a limited, non-exclusive licence to process that data solely to provide the Services.

9. Availability and service levels

We target 99.9% monthly uptime for the Platform, excluding scheduled maintenance. Scheduled maintenance will be notified at least 48 hours in advance where possible.

We do not guarantee uninterrupted or error-free operation of the Platform. The Platform may be temporarily unavailable due to factors outside our control including third-party infrastructure failures, regulatory requirements, or force majeure events.

In the event of a service incident, we will communicate status updates at status.treasurii.co.uk.

10. Limitation of liability

To the maximum extent permitted by applicable law:

• We are not liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of data, or loss of goodwill.
• Our total aggregate liability to you in any 12-month period shall not exceed the greater of (a) the fees paid by you to us in that period, or (b) £10,000.
• Nothing in these Terms limits our liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation, or any other liability that cannot be excluded by law.

FX transactions carry inherent market risk. We are not responsible for losses arising from adverse rate movements, liquidity constraints, or market conditions beyond our control.

11. Regulatory compliance

Treasurii is a technology platform and is not authorised by the Financial Conduct Authority. FX execution, payment services, and client money handling on the Execution tiers are carried out by the Customer's chosen FCA-authorised execution partner under that partner's own regulatory permissions and obligations (including those relating to best execution, record-keeping, and client money handling). Where the execution partner's terms, regulatory obligations, or directions conflict with these Terms in respect of an executed trade, the partner's terms and regulatory obligations take precedence in respect of that trade. Treasurii does not hold client funds and does not act as principal in FX transactions.

You are responsible for ensuring that your use of the Platform complies with all laws and regulations applicable to you, including those relating to financial services, tax, and foreign exchange in your jurisdiction.

We reserve the right to suspend or terminate Services immediately where required to do so by a regulatory body or applicable law.

12. Term and termination

12.1 Term

These Terms begin when you first access the Services and continue until terminated by either party.

12.2 Termination by you

You may terminate your account at any time by contacting support@treasurii.co.uk. Termination does not entitle you to a refund of any prepaid fees.

12.3 Termination by us

We may terminate or suspend your access immediately and without notice if:

• You breach these Terms.
• We are required to do so by law or a regulatory authority.
• You become insolvent or enter administration.
• We reasonably suspect fraud, money laundering, or other criminal activity.

We may terminate for convenience by giving 30 days' written notice.

12.4 Effect of termination

On termination, your access to the Platform will cease. We will retain your data for the periods set out in our privacy notice. You may request an export of your data within 30 days of termination; thereafter we are not obliged to provide it.

13. Changes to these Terms

We may update these Terms from time to time. We will notify you of material changes by email at least 30 days before they take effect. Continued use of the Services after the effective date constitutes acceptance of the updated Terms.

If you do not accept the updated Terms, you must stop using the Services and notify us to close your account.

14. General

• Entire agreement: These Terms, together with your onboarding agreement and any applicable Partner Agreement, constitute the entire agreement between us and supersede all prior agreements.
• Severability: If any provision of these Terms is found to be unenforceable, that provision will be limited to the minimum extent necessary and the remaining provisions will continue in full force.
• Waiver: Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision.
• Assignment: You may not assign these Terms without our prior written consent. We may assign our rights and obligations to an affiliate or in connection with a merger, acquisition, or sale of assets.
• Notices: Notices to us should be sent to legal@treasurii.co.uk. We will send notices to the email address associated with your account.

15. Contact us

For any questions about these Terms:

• Email: legal@treasurii.co.uk