Last updated: 26 May 2026
These Terms of Service ("Terms") govern your use of the Treapy mobile application and any related services operated by Treapy Ltd, a company registered in England and Wales ("Treapy", "we", "us", "our"). By creating an account or using Treapy, you agree to be bound by these Terms.
Please read these Terms carefully. If you do not agree with any part of them, you must not use Treapy.
Our contact address is support@treapy.co.
Treapy is not a financial adviser and is not regulated by the FCA.
Nothing in the Treapy app - including portfolio data, charts, insights, alerts, or AI responses - constitutes financial advice, investment advice, investment recommendations, or a solicitation to buy or sell any financial instrument.
Treapy is a personal finance tracking and portfolio aggregation tool designed to help you monitor your investments in one place. All information displayed in Treapy is for informational and educational purposes only.
Treapy Ltd is not authorised or regulated by the Financial Conduct Authority (FCA) to provide regulated financial services or financial advice. If you require financial advice, please consult a qualified financial adviser who is authorised and regulated by the FCA.
The Tripp AI assistant is an informational tool powered by artificial intelligence. By using Tripp, you acknowledge and agree that:
You use Tripp entirely at your own risk. Treapy accepts no liability for any loss or damage, financial or otherwise, arising from reliance on Tripp's responses.
You must be at least 18 years old to use Treapy. By creating an account, you confirm that you are at least 18 years old. Treapy reserves the right to terminate accounts where there is reason to believe this requirement is not met.
Treapy is currently available to residents of the United Kingdom and European Union. Availability in additional jurisdictions will be announced on treapy.co as it expands. If you access Treapy from a jurisdiction where it is not yet officially available, you do so at your own risk and are solely responsible for compliance with all applicable local laws and regulations.
You are solely responsible for:
You must notify Treapy immediately of any unauthorised access to your account or any breach of security by emailing support@treapy.co. Treapy accepts no liability for losses or damages arising from your failure to maintain the security of your account credentials.
A read-only connection is available only when Treapy has approved it for your account and region. Unsupported, stale, or unverified configurations remain unavailable. If a connection is offered, the following applies:
When you enable an available connection, you authorise the identified processor to retrieve the read-only information shown during consent. Treapy will never initiate payments, transfer funds, place orders, or instruct activity on the connected account.
The availability and accuracy of data from all connected accounts depends on the relevant third-party processor and is outside Treapy's control. Treapy accepts no liability for errors, delays, or interruptions in data caused by third-party providers.
Treapy is currently offered as a limited founding beta. Access to the founding beta is free and does not require card details.
An invitation or place on the waitlist does not guarantee access on a particular date. Beta features, limits and availability may change as we test and improve the service. We will give reasonable notice where a change materially affects your use of the beta.
Treapy may publish possible tier names, feature groupings and example prices while researching how the service could work after the founding beta. Those concepts are hypotheses only: they are not current offers, do not create an entitlement to any feature, and may never launch in the form shown.
If Treapy introduces a commercial service in the future, the applicable terms and clear information about costs will be provided before you decide whether to use it. Continuing to use the free founding beta does not enrol you in a future commercial plan.
When using Treapy, you must not:
Treapy may suspend or terminate accounts that violate any of the above prohibitions, without prior notice, at our sole discretion.
Treapy Ltd owns all rights, title, and interest in and to the Treapy app, website, branding, visual design, Tripp persona, underlying algorithms, and all content produced by Treapy. You may not copy, reproduce, modify, distribute, or use Treapy's name, logo, or branding without our prior written consent.
Your financial data (bank account information, portfolio holdings, transaction history, wallet addresses) belongs to you. By using Treapy, you grant us a limited, non-exclusive, worldwide, royalty-free licence to process your financial data solely for the purpose of delivering the services described in these Terms and our Privacy Policy. This licence terminates when you disconnect a linked account or delete your Treapy account.
To the maximum extent permitted by applicable law, Treapy Ltd shall not be liable for:
The exclusions and limitations in this section apply only to the extent permitted by applicable law.
Market prices, portfolio valuations, and all financial data displayed in Treapy may be delayed, estimated, incomplete, or inaccurate. Data is sourced from third-party market data providers and exchange APIs and may not reflect real-time trading prices.
All market data in Treapy is provided for informational purposes only. Treapy makes no warranty, express or implied, as to the accuracy, timeliness, or completeness of any market data. Do not rely on Treapy data for real-time trading decisions or as the sole input to any financial decision.
We do not guarantee uninterrupted or error-free access to Treapy. The service may be unavailable due to planned maintenance, unplanned outages, third-party provider failures, or events outside Treapy's control. Where planned maintenance is scheduled, we will endeavour to notify you in advance.
We reserve the right to modify, suspend, or discontinue any part of the service at any time. For material changes to the service, we will provide reasonable advance notice. Treapy's functionality depends in part on approved third-party services, and Treapy cannot guarantee the continued availability of an integration.
You may delete your account at any time through the Treapy app settings. Upon deletion, your data is handled as described in our Privacy Policy.
Treapy may suspend or terminate your account, with or without notice, if:
Where practicable, we will give you advance notice before suspending or terminating your account, unless immediate action is required for security or legal reasons.
These Terms are governed by and construed in accordance with the laws of England and Wales. Subject to the paragraph below, any dispute arising out of or in connection with these Terms, including any dispute as to their existence, validity, or termination, shall be subject to the exclusive jurisdiction of the courts of England and Wales.
If you are a consumer resident in another jurisdiction, you may also have rights under the mandatory consumer protection laws of your country of residence, and you may be entitled to bring a claim in the courts of your country of residence. Nothing in these Terms affects those mandatory rights.
We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. If we make material changes, we will notify you by email at least 30 days before the changes take effect and update the "Last updated" date at the top of this page.
Your continued use of Treapy after the effective date of any changes constitutes your acceptance of the revised Terms. If you do not accept the revised Terms, you should stop using Treapy and may delete your account.
For any questions about these Terms of Service, please contact us:
Treapy Ltd
Email: support@treapy.co