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Terms & Conditions

Terms & Conditions


Qrescendo Terms and Conditions



Last updated: 07 May 2025

Please read these Terms and Conditions (“Terms”) carefully before using the banking services provided by Qrescendo (“we”, “us”, “our”). By opening an account or accessing our services, you agree to be bound by these Terms.


1. About Qrescendo


Qrescendo is a digital financial platform registered and operating in accordance with the applicable financial regulations in the United Kingdom and the European Union. Our services include business and personal accounts, investment tools, and financial management products.


2. Eligibility


To use our services, you must:

  • Be at least 18 years old;

  • Be legally capable of entering into a binding contract;

  • Be a resident of the UK or an EEA country where our services are available.


3. Account Usage

  • You must keep your login credentials secure.

  • You are responsible for all activities under your account.

  • You must notify us immediately if you believe your account has been compromised.


4. Fees and Charges

All applicable fees and charges will be clearly disclosed in our Fee Schedule, available within the Qrescendo app or website. We reserve the right to amend fees with 30 days’ notice.


5. Acceptable Use

You agree not to use our services for:


  • Any unlawful activities;

  • Money laundering or terrorism financing;

  • Fraudulent or misleading behaviour.


6. Privacy and Data Protection

Your personal data will be processed in accordance with our Privacy Policy and the UK GDPR and/or EU GDPR. We only collect and use your data to provide our services and meet legal obligations.


7. Liability

We are not liable for:

  • Losses resulting from unauthorised access due to your negligence;

  • Any indirect or consequential damages;

  • Delays or failures caused by events outside our control.


8. Suspension and Termination

We may suspend or close your account if:

  • You breach these Terms;

  • We are required to by law or regulatory instruction;

  • We suspect fraudulent or suspicious activity.



9. Changes to Terms

We may amend these Terms from time to time. We will notify you of any material changes at least 30 days in advance via the app or email.


10. Governing Law

These Terms are governed by the laws of:

  • The United Kingdom, for UK customers;

  • The relevant EU Member State, for EU customers.


Disputes will be resolved in the respective jurisdiction’s courts.


11. Contact Us

For questions or support, please contact:

Email: support@qrescendo.co

Registered Office: [Insert UK or EU registered address]