Legal
Terms of Service
These Terms govern your access to and use of Recavo's spend-management platform, cards and related services. By using the Service you agree to these Terms on behalf of your business.
Last updated 29 June 2026
1. The agreement
1.1 These Terms form a binding agreement between Recavo Ltd ("Recavo", "we", "us") and the business that registers for or uses the Service (the "Customer", "you"). The individual accepting these Terms confirms they are authorised to bind the Customer.
1.2 "Service" means Recavo's web and mobile applications, payment cards, and related functionality for spend management, receipt capture, expense policies, approval routing and reporting.
2. The Service and AI features
2.1 We grant the Customer a non-exclusive, non-transferable right to use the Service for its internal business purposes during the term, subject to these Terms.
2.2 The Service includes AI-assisted features such as automated receipt scanning, expense categorisation and policy checks. These features are provided to assist, not replace, the Customer's own review. The Customer is responsible for verifying outputs before relying on them.
3. Cards and funds
3.1 Cards are issued by our regulated Card Issuing Provider pursuant to a licence from Visa. Use of the cards is also subject to the Card Issuing Provider's own terms.
3.2 Recavo does not hold customer money on its own balance sheet. Customer balances are held with regulated UK payments and issuing partners, separately from Recavo's own funds. We do not lend, invest, or earn interest on customer balances.
4. Acceptable use
4.1 The Customer must use the Service in line with the Acceptable Use Policy and all applicable laws, FCA rules and Visa scheme rules. We may decline applications, freeze cards or close accounts where we believe these Terms are being breached.
5. Fees
5.1 Fees are set out on the pricing page or in your order. Unless stated otherwise, fees are exclusive of VAT and are payable in advance for the relevant billing period.
6. Liability
6.1 Nothing in these Terms limits liability that cannot be limited by law. Subject to that, neither party is liable for indirect or consequential loss, and each party's total liability is capped at the fees paid by the Customer in the 12 months before the event giving rise to the claim.
Data Processing Terms
These Data Processing Terms apply where Recavo processes Customer Personal Data on the Customer's behalf in connection with the Service.
7. Roles and processing
7.1 The Customer is the controller and Recavo is the processor of Customer Personal Data processed to provide the Service, except where Recavo acts as a controller for its own customer relationship.
7.2 Recavo processes Customer Personal Data only on the Customer's documented instructions, including transfers, unless required by law.
8. Subject matter and purpose
8.1 Recavo processes Customer Personal Data for the duration of the agreement for the purpose of hosting, securing and otherwise processing Customer Personal Data to provide spend-management, receipt-capture, expense-policy, approval-routing and reporting functionality, including via the AI features described in §2.
9. Types of data and data subjects
9.1 Identification and contact data, role and department data, expense and transaction metadata, receipt content (which may include names and other details), and any other personal data the Customer chooses to submit. Data subjects include the Customer's owners, administrators, employees, contractors and other personnel, and individuals named on receipts or in expense records.
10. Security and confidentiality
10.1 Recavo ensures personnel authorised to process Customer Personal Data are bound by confidentiality obligations.
10.2 Recavo implements appropriate technical and organisational measures taking into account the state of the art and the risks of processing.
11. Sub-processors
11.1 The Customer authorises Recavo to engage sub-processors and others added from time to time. Recavo will give notice of intended changes and impose data-protection obligations on each sub-processor substantially equivalent to these terms. The Customer may object to a new sub-processor on reasonable data-protection grounds; if the parties cannot resolve the objection, the Customer may terminate the affected Service.
12. Assistance and data-subject requests
12.1 Taking into account the nature of processing, Recavo will assist the Customer (by appropriate measures and so far as possible) with: responding to data-subject rights requests; security of processing; personal data breach notification; data protection impact assessments; and prior consultation with the ICO.
12.2 Recavo will promptly forward to the Customer any request it receives directly from a data subject relating to Customer Personal Data, and will not respond except on the Customer's instruction or as required by law.
13. Breach notification and transfers
13.1 Recavo will notify the Customer without undue delay after becoming aware of a personal data breach affecting Customer Personal Data, with the information reasonably available to assist the Customer's own obligations.
13.2 Where Recavo transfers Customer Personal Data outside the UK, it will ensure an appropriate transfer mechanism is in place.
14. Return, deletion and audit
14.1 On termination or on the Customer's request, Recavo will (at the Customer's choice) return or delete Customer Personal Data, except to the extent retention is required by law, within a reasonable period.
14.2 Recavo will make available information reasonably necessary to demonstrate compliance with these terms and allow for audits, subject to reasonable confidentiality, frequency, security and cost conditions.
15. Conflict
15.1 In the event of conflict between these Data Processing Terms and the rest of the Terms of Service in respect of the processing of Customer Personal Data, these Data Processing Terms prevail.
16. Term and termination
16.1 These Terms apply from the date the Customer first accepts them and continue until terminated. Either party may terminate for material breach not remedied within a reasonable period after notice.
17. Intellectual property
17.1 Recavo retains all rights in the Service. The Customer retains all rights in the data it submits and grants Recavo the rights needed to provide the Service.
18. Confidentiality
18.1 Each party will protect the other's confidential information and use it only to perform under these Terms.
19. Changes to these Terms
19.1 Recavo may update these Terms from time to time. For material changes, Recavo will give reasonable notice (for example by email or in-product notice) before they take effect. Continued use of the Service after the effective date constitutes acceptance. If the Customer does not accept a material change, its remedy is to stop using and cancel the Service before the change takes effect.
20. General
20.1 Entire agreement. These Terms, together with the Acceptable Use Policy, the Privacy Policy (including the Data Processing Addendum), the pricing page and any order, form the entire agreement between the parties and supersede prior discussions. The Customer's standard purchasing terms do not apply.
20.2 Assignment. The Customer may not assign or transfer these Terms without Recavo's prior written consent. Recavo may assign these Terms to an affiliate or in connection with a merger, acquisition or sale of assets.
20.3 Subcontracting. Recavo may use subcontractors and sub-processors to provide the Service and remains responsible for their performance.
20.4 Force majeure. Neither party is liable for failure or delay caused by events beyond its reasonable control.
20.5 No waiver. Failure to enforce a provision is not a waiver of it.
20.6 Severability. If any provision is held unenforceable, the remainder continues in effect and the provision is modified to the minimum extent necessary to make it enforceable.
20.7 Notices. Notices to Recavo must be sent to legal@recavo.app. Notices to the Customer may be given through the Service or to the Customer's registered email.
20.8 Third-party rights. Except for Recavo's affiliates and the Card Issuing Provider (each of which may enforce the clauses expressed to benefit it), a person who is not a party to these Terms has no rights under the Contracts (Rights of Third Parties) Act 1999.
20.9 Relationship. The parties are independent contractors; nothing creates a partnership, agency or employment relationship.
20.10 Governing law and jurisdiction. These Terms and any dispute arising out of them (including non-contractual disputes) are governed by the laws of England and Wales, and the parties submit to the exclusive jurisdiction of the courts of England and Wales.