End User License Agreement

YuLife App End User License Agreement

What are these terms about?

1.1 About us. Hi, we’re Yu Life Ltd, a company incorporated in England and Wales (company number 10308260) and our registered address is 12 Mallow Street, London, United Kingdom, EC1Y 8RQ. We’re on a mission to promote healthier lifestyles and change insurance for good.

1.2 What we do. As part of our mission, we’re:

  • a. an insurance intermediary, which means we’re authorised and regulated by the Financial Conduct Authority (FCA) to distribute non-investment insurance contracts on a non- advised basis - our Financial Services Register number is 783352. We partner with a panel of market leading insurers to provide insurance products that will ensure people will be better protected, and
  • b. a provider of wellbeing and employee engagement and rewards all in one platform.

1.3 The YuLife App. We inspire people to build healthy habits and we do this through our wellness app that encourages users (Users) to adopt healthier behaviours and rewards simple steps towards a healthier lifestyle (YuLife App). We also make some insurance products available for purchase by Users through the YuLife App.

1.4 Agreement. This End User Licence Agreement (EULA) applies to you as a User of the YuLife App and forms the entire agreement between you and us. You should carefully read this EULA in its entirety and make sure you understand the terms before using the YuLife App. However, please pay particular attention to the sentences shown in bold. You’ll be required to accept this EULA when registering for the YuLife App.

1.5 Application. This EULA, as updated from time to time, applies for as long as you use the YuLife App. This includes the period until any disputes between us arising from your use of the YuLife App have been settled.

1.6 Changes. We may change or add to this EULA. We may also change, disable or offer new features on the YuLife App from time to time. We’ll notify you of material changes. We may request that you accept new or amended versions of this EULA after any material changes before you continue using the YuLife App. If you disagree with the changes made, you must stop using the YuLife App. If you continue to use the YuLife App after we have notified you of any changes then those changes will apply.

1.7 Other YuLife terms. Use of the YuLife App will be governed by this EULA as well as any other terms that are available our website (www.yulife.com) including any Reward Partner terms. A Reward Partner is a third party supplier of benefits, products or services (Rewards) which can be redeemed using in-YuLife App tokens known as YuCoin (the Rewards Program). If you choose to purchase any insurance products through the YuLife App additional insurance provider terms will apply.

1.8 App store. Use of the YuLife App may also be controlled by the Apple App Store’s or Google Play Store’s rules and policies (as applicable).

1.9 Third Party Features. We may from time to time make third party components and features available to Users via the YuLife App, such as a virtual GP service or an employee assistance programme (Third Party Features). Third Party Features are governed by the third party’s terms and conditions, and Users must agree to these terms to enable access to such features. We accept no responsibility for provision or availability of such Third Party Features.

How does it work?

2.1 Account. You must create an account to use the YuLife App by providing certain personal data to us. This personal data may include your name, email address, details of your ID and phone number. By creating an account you acknowledge and agree that all information provided to YuLife is your own and is correct.

2.2 Access. You are solely responsible for keeping your account access information safe (i.e. username and password). If anyone enters your account access information (whether that be you or anyone else), we assume that the person using the YuLife App is you. YuLife will not be liable for any loss or damage you suffer from the unauthorised use of your account.

2.3 Sharing. You may not share your account with other people. Only you may use your account to access the YuLife App and the Rewards.

2.4 Security. We recommend you familiarise yourself with our security requirements, guidelines and procedures that we communicate from time to time and follow these carefully. You must immediately inform us if there has been any actual or suspected unauthorised access to your account and update your account access information.

2.5 Functionality. The YuLife App can be used to access:

  • a. information made available by YuLife, including insurance products available to you and insurance policies held by you,
  • b. Third Party Features, and
  • c. the Rewards Program.

2.6 Requirements. You may only use the YuLife App if you are 18 years old or above at the time of agreeing to this EULA.

2.7 Reward Partners. Reward Partners may display certain information and offers relating to Rewards in the YuLife App. The YuLife App may include a link to a Reward Partner’s website with information about Rewards. Reward Partners may also make promotional offers to Users from time to time through the YuLife App. To make use of any promotional offers, Users must redeem the offers through the YuLife App. YuLife is not a party to any agreement entered into between a User and a Reward Partner. YuLife will not be liable for any loss or damage you may suffer from an agreement with a Reward Partner.

2.8 YuCoin. If you redeem YuCoin in exchange for a Reward it will be debited from your YuCoin account. Where you have insufficient YuCoin to redeem against a given Reward, you’ll need to pay the balance through your own chosen payment mechanism or you may be unable to claim the chosen Reward. YuLife is not a party to any transaction between you and a Reward Partner. YuLife will not be liable for any loss or damage you may suffer from these transactions.

Are there any fees?

3.1 Fees. Using the YuLife App is usually free, though we may charge fees in the future. We’ll notify you of fees and you may stop using the YuLife App if you don’t agree to pay them.

3.2 Data. Users will be liable for data costs to access and use the YuLife App, but these amounts are not charged by YuLife.

Can access be cancelled or suspended?

4.1 Breaches. If you breach this EULA or the other terms referred to in this EULA we may cancel or suspend your account or access to the YuLife App without any liability to you. Suspension may be without notice and last while you rectify the breach where the breach can be rectified.

4.2 Deletion. You may stop using the YuLife App at any time at your discretion by deleting the YuLife App.

4.3 Closure. We may stop providing the YuLife App at any time.

4.4 Suspension. We may temporarily suspend the YuLife App or our website for any reason including if we repair or upgrade the YuLife App or other systems. We’ll take reasonable efforts to notify Users of such suspensions in advance.

4.5 Termination. Upon termination of this EULA:

  • a. You must immediately stop using the YuLife App and delete it, and we’ll delete your account and you’ll no longer be able to access the YuLife App.
  • b. We’ll retain your personal data for a reasonable period in line with applicable data protection laws.

The confidentiality obligations and our limitation of liability as set out below will continue after the termination of this EULA.

What’s the acceptable use of the YuLife App?

5.1 Non-Commercial. The YuLife App is made available for your personal, non-commercial use only. Users may not use the YuLife App for any commercial purpose unless expressly authorised by this EULA or the Rewards Policy. You may not sub-license or commercially exploit your account or the YuLife App.

5.2 Devices. Some devices may not support the use of the YuLife App. You are responsible for keeping your device(s) updated and in a condition to support the YuLife App. This includes internet access capabilities and downloading the most recent version of the YuLife App as updated from time to time.

5.3 Restrictions. You must only use the YuLife App, our intellectual property and Reward Partners’ intellectual property in good faith and as we intend for it to be used. If you use the YuLife App in any other way we may end your use of the YuLife App. The following actions are prohibited:

  • a. copying or distributing any of the content on the YuLife App without our explicit consent,
  • b. providing any untrue or incorrect information to us,
  • c. impersonating any person or entity including another User or third party associated with the Rewards Program,
  • d. changing, modifying, copying, decompiling, circumventing, disabling, tampering with or any part of the YuLife App including the security features or reverse engineering the YuLife App,
  • e. infecting the YuLife App with any software, malware or code that may damage, delay or impede the operation of the YuLife App or which may intercept, alter or interfere with any data generated by or received through the YuLife App,
  • f. using malicious search technology including spiders and crawlers,
  • g. deep linking to any pages of the YuLife App or engaging in any other conduct in a way to suggest that you are the owner of any intellectual property in the YuLife App,
  • h. allowing any third party to use your account in any manner other than as permitted by this EULA,
  • i. posting any material which may be false, defamatory, inaccurate, abusive, vulgar, hateful, harassing, obscene, profane, sexually oriented, threatening, invasive of a person's privacy, or otherwise violates any laws, and
  • j. any other similar act.

Who owns the intellectual property?

6.1 Ownership. We or our third party licensors own all intellectual property in the YuLife App (and any subsequent versions).

How will we communicate with you?

7.1 Communication. We’ll use email and electronic notices on the YuLife App to communicate with you. Some of our Reward Partners may use other communication methods and you should check carefully before agreeing to any Reward Partner’s terms.

By accepting this EULA and using the YuLife App you acknowledge that we may use your personal data provided by you for communicating with you via electronic messages. This includes us sending you direct marketing communications. You can opt-out from receiving further direct marketing messages at any time.

Do we link to third party sites?

8.1 Hyperlinks. We may provide hyperlinks to Reward Partners’ websites or apps. We may also include hyperlinks to or advertisements for other third parties offering goods or services to customers in general. We do not endorse or have any association with these websites or apps, their products, business or security practices. You access and use any third-party websites, apps, products, services and business at your own risk. Your use of a Reward Partner’s or other third party’s website is also at your own risk and subject to their terms.

How do we treat your personal data?

9.1 We are committed to protecting your privacy when you use the YuLife App. We process your personal information consistent with theUnited Kingdom Data Protection Act 2018, the (Retained EU Legislation) Regulation (EU) 2016/679 (UK GDPR) and the General Data Protection Regulation (GDPR) Regulation (EU) 2016/679 and as described in our Privacy Policy available on our website.

9.2 By agreeing to this EULA and using the YuLife App you acknowledge that we process your personal data for purposes of this EULA and as set out in our Privacy Policy, including processing for marketing purposes.

What warranties apply?

10.1 Our warranties. Subject to applicable laws we:

  • a. give no guarantee of any kind regarding the content or quality of the YuLife App,
  • b. do not give any warranty (express or implied) or make any representation that the YuLife App will operate error free or without interruption,
  • c. do not give any warranty (express or implied) or make any representation that we’ll correct any errors or that the content is complete, accurate, up to date or fit for a particular purpose,
  • d. make no representations to you (either express or implied) and we’ll have no liability or responsibility for the proper performance of the YuLife App, and
  • e. make no representations to you (either express or implied) and we’ll have no liability or responsibility for the information, images or audio contained on the YuLife App.

The YuLife App and the Rewards Program are used at your own risk.

10.2 Your warranty. You warrant that you have the legal capacity to agree to and be bound by this EULA.

What is our liability?

11.1 Our liability. We’ll not be liable:

  • a. for any loss arising from you using the YuLife App or any reliance on the information available on the YuLife App,
  • b. to you for any loss or harm that you may suffer from redeeming or using any Rewards, or
  • c. to you for any loss caused by using YuLife App or your liability to any third party from your use of the YuLife App. This includes:
  • any claims that you have against any third party supplier for any reason,
  • any interruption, malfunction, downtime, off-line situation or other failure of the YuLife App, system, databases or any of its components,
  • any loss or damage regarding your data or other data directly or indirectly caused by malfunction of the YuLife App, and
  • any third-party systems, power failures, unlawful access to or theft of data, computer viruses or destructive code on the YuLife App,
  • d. if the YuLife App contains infections, viruses or other code that has contaminating or destructive properties,
  • e. if the YuLife App and Reward Partners’ websites include inaccuracies or typos–we can't be held liable and can't be forced to comply with offers that are genuinely erroneous,
  • f. for the proper or complete transmission of the information contained in any electronic communication or of the electronic communication itself, nor for any delay in its delivery or receipt. Reasonable security measures have been implemented to assist with the safety and integrity of the YuLife App. However, information that is transmitted over the internet may be susceptible to unlawful access and monitoring, and
  • g. for any special, indirect or consequential losses of any kind, whether or not a party was advised of the possibility of such loss.

When must you indemnify us?

12.1 Indemnity. You’ll indemnify us against all losses, damages and other liabilities connected to any third party claims, charges or investigations caused by your breach of this EULA, the other terms referred to in this EULA or applicable laws.

How can you make a complaint?

13.1 Complaints. We’re really proud of our YuLife App and we hope you’ll be happy with it, but if you do wish to make a complaint then you can reach us at complaints@yulife.com or write to us at our registered address (it’s at the top of this EULA). We’ll promptly acknowledge your complaint and will do our best to fix the problem.

What else do you need to know?

14.1 Force majeure. We’ll not be responsible for any failure or delay to perform or comply with our obligations in this EULA where the delay or failure is due to any cause beyond our reasonable control.

14.2 Confidentiality. Neither of us may disclose any confidential information to any third party without the prior written approval of the other unless required by law.

14.3 Notices. Notices from you must be in writing and sent by email to legal@yulife.com. We’ll send general notices to via the YuLife App.

14.4 No waiver. If we fail to enforce a right under this EULA that is not a waiver of that right.

14.5 Third parties. No one other than you or us has the right under the Contracts (Rights of Third Parties) Act 1999 to enforce any of the terms of this EULA.

14.6 Survival. Any provision of this EULA which is intended to remain in force on or after the expiry or termination of this EULA will continue to remain in full force.

14.7 Severance. If any of the terms of this EULA are held invalid, illegal or unenforceable they will be deleted without affecting the rest of the terms.

14.8 Governing law and jurisdiction. This EULA is governed by the laws of England and Wales and the courts of England and Wales have exclusive jurisdiction to settle any disputes in relation to it.