STOA THIRD PARTY PROVIDERS
This document identifies the Third Party Providers that deliver certain services to facilitate the delivery of Stoa services. It should be read in conjunction with the Stoa Terms.
Any terms referenced next to the details of the Third Party Providers are terms that apply directly between you and the relevant Third Party Provider in relation to the part of the service or financial product they deliver.
Words and expressions used in this document have the meanings given to them in the Terms unless otherwise defined here. Where there is any conflict between this document and the Terms, the Terms shall prevail. We might make changes to these Third Party Providers from time to time in accordance with clause 13 in the Terms. If so, unless the changes relate to regulated payment services relevant to operation of you Stoa Account and the Services, we will provide you with at least 14 days’ notice of any change to these Third Party Providers either via your Stoa Account on the Site or App or via the contact information you have most recently provided to Stoa.
| Third Party Provider | Service supported by the Third Party Provider | About the Third Party Provider |
|---|---|---|
| Yapily Connect Limited (“Yapily”) | Stoa Savings Score Stoa Pots Stoa Agent |
Yapily is a company incorporated in England and Wales with company number: 11598433 and whose registered office is at 20-22 Wenlock Road, London, N1 7GU. Yapily provides certain API technology and Open Banking services. Yapily is authorised and regulated by the Financial Conduct Authority to provide account information services and payment initiation services, which are relevant to the Open Banking elements of our Service. Yapily’s Financial Services Register number is 827001, it can be accessed here or for further information you can call the Financial Conduct Authority on 0300 500 8082. You can also find out more about Yapily at its website, here. Yapily is an open banking platform provider. Open banking enables Stoa to securely access up to a maximum of 13 months’ transaction history for the bank account that you choose to connect to your Stoa Account. You will need to provide consent to Yapily’s open banking access within your banking app each time you generate a new Savings Score, this process may differ depending on if you are using the Services for personal use or business use. Stoa will securely retain your transaction data after generating your Savings Score for the period you have a Stoa Account and for up to 90 days after your Stoa Account is terminated, or for such shorter retention period in accordance with Stoa’s internal retention policies. This will enable Stoa to explain to you how or why your Savings Score was generated, analyse and improve the Service by understanding how and why different Savings Scores are generated for our users and, if necessary, update the Savings Score for you. After this 90 day period (or any shorter retention period) Stoa will permanently delete your personal data other than any personal data required to be retained by us under applicable laws and regulations or to respond to any questions, complaints or claims made by you or on your behalf. Stoa can only provide the Savings Score Service to you if you choose to provide consent to Yapily’s open banking access – you will have to provide different information depending on whether you are accessing the Services as an individual for personal use or as a business for non-personal use. Yapily’s terms of service and privacy policy will apply between you and Yapily. In the course of creating your Stoa Pot, we may ask you to consent to using Open Banking services provided by Yapily. Stoa is not responsible for Yapily’s Open Banking platform. You may need to provide consent to Yapily’s Open Banking access within your banking app from time to time when you access the Stoa Pots Service to make a new deposit to or withdrawal from, your Stoa Pot and Stoa Hub Pot. If so, Stoa can only provide the Stoa Pots Service to you if you choose to provide consent to Yapily’s open banking access – you will have to provide different information depending on whether you are accessing the Services as an individual for personal use or as a business for non-personal use. Yapily is a data controller in respect of any personal data it processes to provide the open banking and the terms of its privacy notice apply in relation to its processing of personal data: https://www.yapily.com/legal/privacy-policy. Stoa Agent, an AI assistant provided by Stoa to support you in using Stoa Services, will access and use information obtained via Yapily. |
| Griffin Bank Ltd (“Griffin”) | Stoa Pots | Griffin is a company registered in England and Wales with company number: 10842931 and whose registered office is at 9th Floor 107, Cheapside, London, EC2V 6DN. Griffin accepts deposits and offers other banking, financial and technology services. Griffin is authorised by Prudential Regulation Authority (“PRA”) and regulated by the FCA and PRA. Griffin’s Financial Service Register number is 970920, it can be accessed here or for further information you can call the Financial Conduct Authority on 0300 500 8082. You can also find out more about Griffin at its website, here. Stoa works with Griffin as bank account provider for the Stoa Pots Service, Griffin provides the Stoa Embedded Bank Account opened in your individual personal name or business name, depending on the capacity in which you use the Stoa Pots Service. You agree that the opening of the Stoa Embedded Bank Account related to your Stoa Pot(s) is outside of Stoa’s control and will be subject to Griffin’s own eligibility criteria and risk appetite (meaning we may not be able to offer you the Services if you do not meet these). Griffin is a data controller in respect of any personal data it processes to provide the Stoa Embedded Bank Account and the terms of its privacy notice apply in relation to its processing of personal data: https://griffin.com/privacy. |
| Veriff | Stoa Pots | Veriff is a company incorporated in [Estonia] with company number: [12932944] and whose registered office is at [39 Tatari St., 10134 Tallinn]. Veriff is the onboarding partner for identification and verification purposes for the Stoa Embedded Bank Account, provided via our arrangement with Griffin. Stoa is not responsible for Veriff’s services and Veriff’s terms of service will apply between you and Veriff (or any alternative onboarding partner that Griffin may use from time to time). Veriff is a data controller in respect of any personal data it processes to provide verification services and the terms of its privacy notice apply in relation to its processing of personal data: https://www.veriff.com/privacy-notice. |
| Stripe Payments UK Limited (“Stripe”) | Stoa Pots | Stripe is a company incorporated in England and Wales with company number 08480771 and whose registered office is at 9th Floor, 107 Cheapside, London, EC2V 6DN. Stripe is authorised and regulated by the Financial Conduct Authority as an electronic money institution. Stripe’s Financial Services Register number is 900461, which can be accessed here. You can also find out more about Stripe at its website here. Stoa uses Stripe as a service provider to provide the virtual payment card through which the value of your Stoa Perk is made available to you. Stripe’s terms and conditions apply directly between you and Stripe in relation to the services it provides to you and are available here. Stripe is a data controller in respect of any personal data it processes to carry out its own verification checks and provide the virtual payment card. The terms of its privacy notice apply to its processing of personal data: Privacy Policy. |