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Make sense of your money
the free and simple way

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"A new online service which enables consumers to access all of their bank accounts in one place."

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"Recommended by over 90% of
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Ranked #1 App Store, FREE Finance App
(May 2013, Feb 2013)

Ranked #1 pp Store, FREE Finance App

Bank level security

OnTrees ensures the highest level of security at all times. It's a 'read only' tool so money cannot be moved in or out of your accounts. You can call the OnTrees customer service team based in the UK on: 0333 123 1973

How do you spend?

OnTrees gives you a clear picture of your finances by breaking down your spending in to categories. From groceries to petrol, pet supplies to entertainment you can see where you spend the most.

See how it works.

Money on the move

Take OnTrees with you wherever you go with our handy iPhone app (Android coming soon!)

We've made sure OnTrees looks great on tablets so you can keep track of your money anytime.

Visit the App Store to download now!

How to budget

Take control of your spending with our easy-to-use budget planner. Set your own monthly budgets to help you save, whether it's for a new house, a new car or just for a rainy day.

See how it works.
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Terms & Conditions

Terms & Conditions

I agree to OnTrees Terms & Conditions
and Privacy & Cookies Policy

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Terms & Conditions

Terms & Conditions

I agree to OnTrees Terms & Conditions
and Privacy & Cookies Policy

OnTrees Terms and Conditions

Effective from 4th April 2014

This Site is operated by Moneysupermarket.com Limited (t/a Ontrees) ("we", "our", or "us"). We are registered in England under company number 3945937 and have our registered office at Moneysupermarket House, St. David's Park, Ewloe, Chester, CH5 3UZ. Our VAT number is GB 741905338.

These terms and conditions comprise 2 parts:

  • Part A - Website Terms which apply to all users of the Site; and
  • Part B - Service Terms which apply to users who sign up to use the OnTrees Service (as defined below).

Please read these terms and conditions carefully before using the Site. You should understand that by using the Site, you agree to be bound by the Website Terms as set out in Part A of these terms and conditions. If you do not accept the Website Terms, do not use the Site. By signing up to OnTrees and/or using the Service (as defined below) you agree to be bound by the Service Terms set out in Part B of these terms and conditions.

If we change these Terms and Conditions, we will post the revised document here with an updated effective date. If we make significant changes to these Terms and Conditions, we may also notify you by other means such as sending an email or posting a notice on our home page.

Part A - Website Terms

  1. Information About Us

    You can contact us using the following email address: info@ontrees.com

  2. Access to the Site
    1. We shall not be liable if for any reason the Site is unavailable at any time or for any period.
    2. From time to time, we may restrict access to all or some parts of the Site to users who have registered with us.
    3. Only one registration per person is allowed. You must keep your registration information up to date.
    4. If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party
    5. You must not:
      • impersonate or try to impersonate another person;
      • disclose your password to anyone else;
      • allow anyone else to use your account;
      • use anyone else's account.
    6. If you think that someone else may have access to, or be using, your password or account, you must tell us as soon as possible by emailing help@ontrees.com
    7. We reserve the right to restrict or deny you access to all or some parts of the Site if, in our opinion, you have failed to comply with these Website Terms.
  3. Intellectual Property and Permitted Use
    1. We are the owner or licensee of all intellectual property rights in the Site and the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
    2. You may print and download extracts from the Site for personal non-commercial use on the following basis:
      1. no documents or related graphics are modified in any way;
      2. no graphics are used separately from accompanying text; and
      3. no copyright and trade mark notices are removed.
    3. You agree not to:
      1. use the Site for commercial purposes without obtaining our prior written agreement;
      2. copy, reproduce, distribute, republish, download, display, post or transmit in any form or by any means any content of the Site except as permitted above.
  4. Material Submitted by You
    1. Except for information that identifies you personally (e.g. your name, address, telephone number, email address and payment details), any material which you submit will be considered non-confidential and non-proprietary such that we shall have the right to use, copy, distribute and disclose it to third parties for any purpose.
    2. You agree not to submit any material:
      1. that is false, misleading, defamatory, discriminatory, threatening, offensive, abusive, likely to cause someone anxiety or distress, encourages violence or racial or religious hatred, blasphemous, pornographic, in breach of confidence, in breach of privacy; or
      2. that infringes any intellectual property rights, such as copyright and trade marks. This means generally that you must own the rights in everything you submit or must obtain permission from the rights owner to submit the material; or
      3. which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data); or
      4. which encourages or teaches conduct that is a criminal offence, gives rise to civil liability, or is otherwise unlawful.
    3. We are not obliged to use material submitted by you and we may remove from the Site and our database any of the material submitted by you at our sole discretion.
    4. We will fully co-operate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone submitting material in breach of clause 4.2.
    5. We will not be responsible, or liable to any third party, for the content or accuracy of any materials submitted by you.
  5. Data Protection and Privacy
    1. We use and process your personal information in accordance with our Privacy & Cookies Policy.
    2. We hold a data protection registration and comply with the Data Protection Act 1998.
  6. Third Party Content and Links
    1. We are not liable or responsible for the third party content on the Site. Third party content includes, for example, comments posted by other users and display advertising.
    2. Where the Site contain links to other sites and resources which are provided by third parties, these links and resources are provided for your information only and you access them at your own risk. We are not liable or responsible for the content of third party sites or resources.
  7. Our Liability
    1. The material contained on the Site is for information purposes only and does not constitute advice. You should carry out your own check in respect of any information on the Site and use your own judgement before doing or not doing anything on the basis of what you see. By way of example, the Site's product comparison tables are not intended to be an exhaustive list of all providers of a particular financial product. The materials on the Site are provided "as is" and we give no warranties of any kind in relation to the materials on the Site.
    2. We are not liable for:
      1. any action you may take as a result of relying on any information/materials provided on the Site or for any loss or damage suffered by you as a result of you taking such action; or
      2. any dealings you have with third parties (e.g. suppliers of goods or services or advertisers) that take place using or facilitated by the Site;
      3. any liability for any third party content or resources on the Site; or
      4. any liability for losses which are not a foreseeable or likely consequence of (i) your use of the Site, or (ii) a breach by us of these Website Terms.
    3. We are not responsible if you cannot use the Site properly or at all because of any event outside our control (e.g. the performance of your or our internet service provider, your browser or the internet.)
    4. The Site relies in part on software to work. Software has bugs. Whilst we monitor the Site and try to fix bugs promptly, we do not guarantee that the Site will be error free, available all the time and/or free from viruses.
    5. Nothing in these Website Terms affects any liability which we may have for death or personal injury arising from our negligence, fraud or any other liability which cannot be excluded or limited by law.
  8. Validity of these Website Terms

    If any part or provision of these Website Terms is found to be unlawful or unenforceable, this shall not affect the validity of any other part or provision.

  9. Applicable Law and Jurisdiction

    These Website Terms are governed by English law. The English courts shall have exclusive jurisdiction over any claim brought by you arising from, or related to, use of the Site and these Website Terms.

Part B - Service Terms and Conditions

  1. The Service

    OnTrees provides a personal finance information management service that allows you to consolidate and track your financial information (the "Service"). You must be over 18 years old and a resident of the United Kingdom to register and use the Service.

    The Service will allow you to:

    • upload details of your accounts maintained at third party sites ("Accounts"); and
    • access details of transactions and balances on Accounts uploaded in accordance with paragraph 1(a) above.

    As part of the Service, OnTrees may also provide information (itself or using suppliers) relating to third party products or services based on the financial information that you access.

    Personal information will be used and processed in accordance with the OnTrees Privacy and Cookies Policy.

    You must not allow anyone to access the Service on your behalf. If you choose, or you are provided with a user identification code, password or any other piece of information as part the Service's security procedures, you must treat such information as confidential and you must not disclose it to any third party.

  2. Provision of Accurate Information

    You agree to provide true, accurate, current and complete information about yourself and the Accounts and you agree not to misrepresent any information relating to your Accounts or your identity ("Account Information"). You agree to keep your Account Information up to date and accurate.

  3. Proprietary Rights

    You are permitted to use content delivered to you through the Service only on the Service. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any of the Service technology, including but not limited to, any Java applets associated with the Service.

  4. Content You Provide

    You are licensing OnTrees and its service providers, including but not limited to Yodlee Inc (each a "Service Provider") any information, data, passwords, materials or other content (collectively, "Content") you provide through or to the Service including but not limited to any information accessed from your Accounts. OnTrees and Service Provider may (i) use, modify, display, distribute and create new material using such Content to provide the Service to you; (ii) analyse any Content to provide information about third party products or services that you might find interesting; and (iii) use the Content to create and analyse aggregated data about their users provided that you are not identifiable from the aggregated data. By submitting Content, you automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, OnTrees and Service Provider may use the Content for the purposes set out above. As between OnTrees and Service Provider, OnTrees owns your Account Information.

  5. Access to Accounts

    By using the Service, you authorize OnTrees and Service Provider to access the Accounts designated by you, on your behalf, to retrieve information requested by you, and to register for access to the Accounts requested by you. For all purposes hereof, you hereby grant OnTrees and Service Provider a limited power of attorney, and you hereby appoint OnTrees and Service Provider as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN ONTREES OR SERVICE PROVIDER ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY SITES, ONTREES AND SERVICE PROVIDER ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that the Service is not endorsed or sponsored by any third party account providers accessible through the Service.

  6. Encryption and the use of the Service abroad

    The Service uses a very high level of encryption. The use of such levels of encryption or this Service may be illegal in jurisdictions outside the UK. It is your responsibility to ensure that, if outside the UK, your ability to use the Service is permitted by local law. Neither OnTrees or the Service Provider will be liable for any loss or damage suffered by you as a result of not being able to use or not being permitted to use the Service in jurisdictions outside the UK.

  7. DISCLAIMER OF WARRANTIES

    YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

    • YOUR USE OF THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. ONTREES AND SERVICE PROVIDER EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT.
    • ONTREES AND SERVICE PROVIDER MAKE NO WARRANTY THAT (i) THE SERVICE WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS, OR (v) ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED.
    • ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM ONTREES OR SERVICE PROVIDER THROUGH OR FROM THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
  8. LIMITATION OF LIABILITY
    • NOTHING IN THIS AGREEMENT SHALL EXCLUDE OR LIMIT LIABILITY FOR DEATH OR PERSONAL INJURY RESULTING FROM THE NEGLIGENCE OF EITHER PARTY OR FOR FRAUD OR FOR ANY OTHER LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED BY LAW.
    • SUBJECT TO PARAGRAPH 8 (a) ABOVE, YOU AGREE THAT NEITHER ONTREES OR SERVICE PROVIDER NOR ANY OF THEIR AFFILIATES, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR (a) ANY DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, OR (b) FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL LOSS, EVEN IF IN EACH CASE ONTREES OR SERVICE PROVIDER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES, RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES, (iii) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE SERVICE; (iv) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (v) STATEMENTS OR CONDUCT OF ANYONE ON THE SERVICE; (vi) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES; OR (vii) ANY OTHER MATTER RELATING TO THE SERVICE.
  9. Indemnification

    You agree to protect and fully compensate OnTrees and Service Provider and their affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) caused by or arising from any misuse by you of the Service, your violation of these Service Terms or your infringement of any intellectual property or other right of anyone.

  10. Suspension of the Service

    OnTrees may at any time suspend your use of the Service on reasonable grounds which relate to:

    • the security of the Service including the suspected unauthorised or fraudulent use of the Service; and/or
    • your use of the Service in contravention of any reasonable instructions given from time to time by OnTrees.

    You will normally be given advance notice (by email) if your use of the Service is going to be suspended. Such notice will tell you why such action is being taken. Please note that you will not receive notice or details of why the action is being taken if this would compromise reasonable security measures or if it is unlawful to do so.

  11. Variation of the Service

    OnTrees reserves the right to change or discontinue, temporarily or permanently, the Service at any time without notice. You agree that OnTrees will not be liable to you or any third party for any modification or discontinuance of the Service. OnTrees reserves the right to alter any features or other characteristics of the Service.

  12. Cancellation

    You may cancel your subscription to the Service at any time. Note, extended periods of inactivity may also result in cancellation or Account Information stored in the Service being made unavailable. On cancellation, your personally identifiable information will be securely and permanently deleted from our systems.

  13. Rights of Service Provider

    You agree that Service Provider is a third party beneficiary of the above provisions, with all rights to enforce such provisions as if Service Provider were a party to this Agreement.

  14. Precedence

    In the event of a conflict between the OnTrees General Terms of Use and these Service Terms, the parties agree that these Service Terms shall prevail.

  15. Validity of these Service Terms

    If any part or provision of these General Terms is found to be unlawful or unenforceable, this shall not affect the validity of any other part or provision.

  16. Applicable Law and Jurisdiction

    These Service Terms are governed by English law. The English courts shall have exclusive jurisdiction over any claim brought by you arising from, or related to, use of the Service and these Service Terms.