Terms of Use

These Terms of Use apply to the website located at https://notraone.com and any related pages that link to these terms (the “Site”). By using the Site you agree to these Terms of Use.

1. Who we are

NotraOne is a trading name of Notra One Limited, registered in England and Wales with company number 16728188 and registered office at 128 City Road, London, United Kingdom, EC1V 2NX.

NotraOne designs and operates fully branded payment and card programmes for business clients. When you use NotraOne you are accessing services through a NotraOne programme, with Notra One Limited as your main commercial contact and relationship manager. Behind the scenes, these programmes run over the regulated infrastructure of a small network of electronic money institutions, payment providers and banks (our “Banking Partners”), who issue and operate the underlying IBANs, accounts and cards under their own licences and regulatory permissions. Where a specific product involves a Banking Partner also acting as your direct contractual provider for part of the service (for example, issuing or safeguarding), this will be clearly shown in the product documentation you accept at sign-up.

2. What these terms cover

These terms govern your use of the Site and any information about products or services presented on it. They do not set out the full terms of any payment, account or card services you may access through a NotraOne programme. Those details will be contained in the customer agreements and product terms you are asked to accept when you sign up, which will explain how the programme is structured and which parties are providing which elements of the service.

3. Eligibility and local laws

The Site is intended for business users. You are responsible for complying with the laws that apply in the place you access the Site. We do not represent that the content on the Site is appropriate or available for use in any particular jurisdiction.

4. Information on the Site

Content on the Site is provided for general information only. It is not legal, tax, accounting, investment or financial advice, and it is not tailored to your particular circumstances. You should obtain professional advice before acting on any information from the Site.

5. Our role and our partner network

We work with a partner network of regulated electronic money institutions, payment providers and banks. Using their rails, we make available IBANs, payment accounts, cards and related services that are branded and operated as part of NotraOne programmes.

In practice, we will:

• discuss your requirements and, where appropriate, help you access a suitable NotraOne programme or product

• coordinate onboarding and communication through our portal or other agreed channels

• manage the commercial and operational relationship with you at programme level

The underlying issuing, processing, safeguarding and settlement functions are performed by our Banking Partners in line with their licences and regulatory obligations. The customer terms you accept at sign-up will explain the roles of NotraOne and any Banking Partner involved in the relevant programme.

6. Your account or forms on the Site

If the Site allows you to create an account, submit enquiry forms or contact us (for example via web forms or messaging links):

• You must provide accurate and complete information.

• You are responsible for maintaining the confidentiality of any login details and for all activity under your account.

• We may suspend or disable access if we suspect misuse, unauthorised access or a breach of these terms.

7. Acceptable use

You agree not to:

• use the Site in a way that breaches any law or regulation

• use the Site in a way that is unlawful, fraudulent, defamatory, offensive or harmful

• introduce viruses, malware or other harmful code

• attempt to gain unauthorised access to the Site, its systems or related networks

• copy, scrape or harvest content from the Site without our written permission

We reserve the right to monitor use of the Site and to take any action we reasonably consider appropriate to protect our systems and legitimate interests.

8. Intellectual property

The Site and its content (including text, graphics, logos and layout) are owned by us or our licensors. You may print or download extracts for your personal or internal business use, provided you:

• keep all proprietary notices intact

• do not modify the materials

• do not use the materials in a misleading or derogatory way

Any other use (including reproduction, distribution, modification or public display) requires our prior written consent.

9. Third-party links

The Site may link to third-party sites or platforms, including portals operated by our Banking Partners and other providers. We are not responsible for third-party content and do not endorse or approve any third party just because we link to them. Your use of third-party sites is at your own risk and subject to their terms and policies.

10. No warranties

The Site is provided on an “as is” and “as available” basis. We do not warrant that:

• the Site will be uninterrupted, secure or free from errors, viruses or other harmful components, or

• the content on the Site is accurate, complete or up to date.

To the fullest extent permitted by law, we disclaim all warranties, representations and conditions (whether express or implied) relating to the Site and its content.

11. Limitation of liability

Nothing in these terms excludes or limits liability that cannot be excluded by law, including liability for:

• death or personal injury caused by negligence, or

• fraud or fraudulent misrepresentation.

To the extent permitted by law:

• we are not liable for lost profits, revenue, data, business, goodwill or any indirect or consequential loss arising out of or in connection with your use of the Site, and

• our total liability arising out of or in connection with your use of the Site (whether in contract, tort, negligence or otherwise) will not exceed one hundred pounds (£100).

12. Indemnity

You agree to indemnify us against any claims, losses, costs and expenses (including reasonable legal fees) arising from your breach of these terms or misuse of the Site.

13. Suspension and termination

We may suspend or terminate your access to the Site at any time if we reasonably believe that:

• you have breached these terms

• your use of the Site presents a security or operational risk, or

• we are required to do so by law or by a competent authority.

Where reasonable, we will try to give you notice, but we are not obliged to do so.

14. Changes to the Site and these terms

We may update the Site and these terms from time to time. If we make changes, we will update the “Last updated” date below. Your continued use of the Site after changes are made means you accept the updated terms.

15. Governing law and venue

These terms and any non-contractual obligations arising out of them are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction to settle any dispute arising out of or in connection with these terms or your use of the Site.

16. Contact

Questions about these terms can be sent to hello@notraone.com.

Last updated: 3 Novmeber 2025

 

Banking and payment services accessed via NotraOne run on the regulated rails of our Banking Partners. IBANs, accounts and cards may be branded under the NotraOne programme, while the underlying issuance and processing are carried out by our partners under their own licences and regulatory permissions.