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Terms and conditions



16 MAR 2022

Website Terms of Use

1. Who we are

We are: Fea Card Limited (“we”, “us”, “our”).

Registration number: 11620703 (Companies House register), incorporated in England and Wales.

Registered address: Hallswelle House, 1 Hallswelle Road, London, England, NW11 0DH.

VAT Number: GB 359 3182 76


Bits is powered by Fea Card Limited which is authorised and regulated by the Financial Conduct Authority (FRN:946683) to provide you with your credit score - referred to as providing credit information services. Please note that Bits’ credit building service is exempt from FCA regulation (please visit our FAQs for more information).

2. Terms of Use

These terms of use (the “Terms”) apply to your use of our website ( “Bits Website”).

3. Age and residence

You must be at least 18 years old and live in the United Kingdom to use the Bits Website.

4. Other important information

4.1 Our Privacy and Cookies Policy

Our Privacy and Cookies Policy Our Privacy and Cookies Policy can be accessed here. You should read it as it explains how we use your personal data that we process when you use the Bits Website and the cookies (and similar technologies) used on the Bits Website.

4.2 Our Bits Store and Account Terms & Conditions

Please note that these Terms relate to your use of the Bits Website only (which is made available free of charge). The Bits Store and Account Terms & Conditions govern the services we provide (i.e. our main monthly service, the Bits Store and Bits Rewards that you buy, or subscribe to, as appropriate).

4.3 Our Bits App Licence Terms

The Bits App Licence Terms will govern your use of our Bits App.

5. How to contact us

If you wish to contact us, we can be reached on the contact details listed in Section 1 (Who we are), above.

6. Changes to these terms

These Terms may be varied from time to time and your use of the Bits Website is subject to the then current terms. Please check them regularly to ensure you are familiar with them.

7. Updates to the Bits Website

We may update and change the Bits Website from time to time to update its content and reflect changes to our products and services, our users' needs and our business priorities.

8. We may transfer these Terms to someone else

We may transfer our rights and obligations under these Terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under these Terms.

9. Intellectual property rights

9.1 We are the owner or the licensee of all intellectual property rights in the Bits Website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

9.2 You may print off one copy, and may download extracts, of any page(s) from the Bits Website for your personal use and you may draw the attention of others within your organisation to content posted on the Bits Website.

9.3 You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

9.4 Our status (and that of any identified contributors) as the authors of content on the Bits Website must always be acknowledged.

9.5 You must not use any part of the content on the Bits Website for commercial purposes without obtaining a licence to do so from us or our licensors.

9.6 If you print off, copy or download any part of the Bits Website in breach of these Terms, your right to use the Bits Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

10. Please do not rely on information on the Bits Website

10.1 The content of the Bits Website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on the Bits Website.

10.2 Although we make reasonable efforts to update the information on the Bits Website, we make no representations, warranties or guarantees, whether express or implied, that the content on the Bits Website is accurate, complete or up to date.

11. Our responsibility for loss or damage suffered by you

We exclude all liability which might arise from your use or reliance on the content of the Bits Website, unless it would be unlawful for us to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

12. We are not liable for business losses

Please note that we only provide the Bits Website for domestic and private use. You agree not to use the Bits Website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

13. We’re not responsible for other websites we link to

13.1 The Bits Website may contain links to other independent websites which are not provided by us. Such independent sites are not under our control, and we are not responsible for and have not checked and approved their content or their privacy policies (if any).

13.2 You will need to make your own independent judgement about whether to use any such independent sites, including whether to buy any products or services offered by them.

14. We’re not responsible for other websites we link to

We do not guarantee that our Bits Website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of the Bits Website for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

15. Which laws apply to these Terms?

These Terms are governed by English law.

16. Where can you bring legal proceedings?

You can bring legal proceedings in the English courts. If you live in Scotland, you can bring legal proceedings in respect of the products in either the Scottish or the English courts. If you live in Northern Ireland, you can bring legal proceedings in either the Northern Irish or the English courts