Home Wealth Terms of Use
1. These terms and conditions apply to the Moneybox home wealth tool that lets you access certain information about your mortgage from your credit report in the Moneybox app on an ongoing basis (“Home Wealth Tool”).
2. Digital Moneybox Ltd (“Moneybox”, we” or “us”) is the company that provides the Home Wealth Tool. Its company registration number is 09597755 and its registered office is 1-2 Hatfields, London SE1 9PG. Moneybox has Financial Conduct Authority firm reference 712935.
3. The information about your mortgage is provided from your credit report by TransUnion International UK Limited (“TransUnion”). TransUnion’s registered company number is 3961870 and its registered office is One Park Lane, Leeds, West Yorkshire LS3 1EP. TransUnion International UK Limited is authorised and regulated by the Financial Conduct Authority with firm reference number 737740.
Using the Home Wealth Tool
4. You must be over 18 and live in the UK to use the Home Wealth Tool.
5. You must only use the Home Wealth Tool for personal use. You must not use the Home Wealth Tool for business purposes or to request information about or on behalf of anyone else.
6. We are not your mortgage provider and rely on TransUnion to provide the mortgage information. If you have any questions about your mortgage please speak to your mortgage provider.
7. If you have a query or issues about the Home Wealth Tool you can get in touch with us at support@moneyboxapp.com. If we can’t answer it, we may pass the query or issue to TransUnion via their consumer enquiry form or we refer you to contact them directly at consumer@transunion.com.
8. The Home Wealth Tool is provided for information purposes only and should not be treated as any kind of financial advice. Please speak to a financial adviser if you require any advice regarding your particular circumstances.
9. You agree that all intellectual property rights related to mortgage information provided by TransUnion is owned by TransUnion and/or its licensors.
10. In the Moneybox app, you can make some adjustments to the font and appearance of documents in Settings. Please reach out to us if you require any assistance or accessible formats.
Accessing your Mortgage Information
11. When you consent in the Moneybox app that you would like to use the Home Wealth Tool, you are authorising TransUnion to provide us with your mortgage information so that you are able to view this information on the Moneybox app.
12. In order to make sure our services are based on your personal financial circumstances and objectives, you must give us complete, accurate and truthful information. We will work on the basis that all information is all of these things. If you don’t provide us with that information we won’t be able to provide you with our service. You must also give complete, accurate and truthful information to any other person who provides the products and services we advise on. If you don’t then your product may be invalidated.
13. We will access certain mortgage information from TransUnion including, but not limited to, starting mortgage balance, current mortgage balance, monthly payment amount, lender name and start date.
14. In order to access your mortgage information, you are required to successfully pass an authentication process. If you do not successfully pass authentication, neither us nor TransUnion are not required to notify you why this is the case. One reason for unsuccessful authentication may be that, at the time you request access to mortgage information, TransUnion has been unable to match your personal details to the correct credit profile in its database.
15. For so long as you continue to be signed up to the Home Wealth Tool, TransUnion will provide us with updated mortgage information on a monthly basis.
16. TransUnion or Us can’t guarantee that the information in your full credit file is accurate. This is because some of the information comes from other sources, like the electoral roll, insurance companies and financial institutions.
17. You should contact TransUnion at consumer@transunion.com if you have any concern that your information is inaccurate or incomplete.
18. We’ll need to share some of your personal details with TransUnion for them to be able to provide this service or answer any queries as set out in paragraph 10 above. To learn more about how we use your data, please see our Privacy Notice.
19. We may use the information provided as part of the Home Wealth Tool (either by you directly or via TransUnion) for the purposes set out in the Privacy Notice.
Soft Footprint on your Credit Report
20. Use of the Home Wealth Tool will leave a soft footprint on your credit report. This means that you, TransUnion and third parties you permit to view your full credit report will be able to see the footprint on your credit report but it will not be visible to any lenders. It will not impact your credit score.
Terminating the Home Wealth Tool
21. If you no longer want to use the Home Wealth Tool then you can opt out in the Moneybox app or contact us at support@moneyboxapp.com, and we will no longer access your mortgage information from TransUnion. All the information provided by TransUnion will be deleted from Moneybox systems when you opt out of using the Home Wealth Tool.
22. We and/or TransUnion reserve the right to terminate or suspend your access to the Home Wealth Tool (or the information contained within it) at any time and we don’t have to provide a reason.
Contact Details, Communication and Complaints
23. We can contact you via the Moneybox app, email, telephone, SMS or post using the details you registered with us. It’s therefore really important that your contact details are up to date, particularly your email address, and you are using an up-to-date version of the Moneybox app. When we contact you we will always communicate in English.
24. You can contact us through the Moneybox app or by one of the following methods:
Email : support@moneyboxapp.com
Post ✉️: Moneybox, 1-2 Hatfields, London SE1 9PG
Telephone ☎️: 0330 808 1866
25. Whenever you communicate with a member of the Moneybox team or provide us with instructions you must not:
- Do anything that is unlawful.
- Communicate any illegal content or activity.
- Be defamatory, obscene, offensive, hateful or inflammatory.
- Bully, harass, insult or intimidate.
- Include any racist, sexist, sexualised or violent language.
- Cause annoyance, inconvenience or anxiety, upset, alarm or distress.
You must comply with these communications rules in spirit as well as to the letter. We will decide, at our discretion, if a communication does not meet these communications rules. If we decide that you have breached our communications rules, we may stop providing all services to you immediately.
26. If you have a complaint about our service please contact us by one of the following methods:
support@moneyboxapp.com
Moneybox, 1-2 Hatfields, London SE1 9PG
☎️ 0330 808 1866
If we can’t resolve or settle your complaint within eight weeks from the date you first made the complaint, you may refer it directly to the Financial Ombudsman Service:
Financial Ombudsman Service, Exchange Tower, London E14 9SR
☎️ 0800 023 4567
complaint.info@financial-ombudsman.org.uk
General
27. To the extent permitted by applicable law, we will not be liable for any losses incurred in relation to your use of the Home Wealth Tool.
28. We may change these terms and conditions from time to time. We will provide you with notice if the change is detrimental to you.
29. The laws of England and Wales apply to these terms and conditions. The courts of England and Wales will have exclusive jurisdiction to settle disputes or claims.
Version 2026.1