Terms of Use Agreement

Our Commitment to miiCard Members

  • You will always have complete control of your miiCard
  • We will never share your personal information without your explicit consent
  • At any time you can revoke a participating service's access to your miiCard
  • And we will do our utmost to protect your online identity and personal information at all times


Our Commitment to DirectID Users

  • We will never share your personal information outside of the company who has requested it
  • We will do our utmost to protect your personal data at all times
  • All companies using the DirectID service have passed security and background checks


This Agreement sets out the terms of use of the websites and services (“the Service”) operated by miiCard Limited. We are registered in Scotland under company number SC400459 and have our registered office at miiCard Global Headquarters, Codebase, Argyle House, 3 Lady Lawson Street, Edinburgh, EH3 9DR, UK.

We'll try to keep everything in this document as straightforward as possible, but if there’s anything you are unsure of, please get in touch with us by:

  • Emailing the Chief Executive Officer, James Varga at james.varga@miicard.com;
  • Writing to the James Varga, Chief Executive Officer, miiCard Global Headquarters, Codebase, Argyle House, 3 Lady Lawson Street, Edinburgh, EH3 9DR, UK; or
  • Phoning us on +44 (0)845 119 3333.


An Overview of The Service

miiCard provides global Identity Service (the miiCard Digital Passport and DirectID Bank Verification) that allow individuals to prove ‘they are who they say they are,’ online, in minutes and to the same level as a physical passport or photo ID check.

Through a patented, secure process that leverages the trust between an individual and their financial institution, miiCard establishes identity to Level of Assurance 3+ (LOA3+) and meets Know Your Customer (KYC) and Anti-Money Laundering (AML) identity guidelines, enabling the sale of regulated products and service purely online.

The use of the Service are free for individuals to use.


User Information

Personal information you store in your encrypted miiCard identity belongs to you, and you alone determine who can access your Data. Every Connection must observe our Terms of Service available here »

The miiCard Digital Passport service allows you to manage your personal identity, information and control who has access to it. It is your responsibility when using the miiCard service to keep this information up to date. Please update your account information or let us know if any of your user details change; email address and mobile phone number. If you do not do this, we will not be able to deliver any alerts, notifications or updates to you. Communications will be sent to your primary contact details by default.

You agree and understand that you are responsible for maintaining the confidentiality of your password, which, together with your username, allows you to access the Service.

If you become aware of any unauthorised use of your user information, you agree to notify us immediately at info@miicard.com.


Use of the Service

Your right to access and use the Service is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use the service for lawful purposes.

By registering to use our Service, you confirm that:

  • You are legally capable of entering into binding contracts;
  • You are at least 18 years old; or
  • You are using the service for your personal use and not on behalf of another individual.
  • You agree to provide us with information that is accurate, and not to misrepresent your identity or your user information.

You are responsible for all use of your security details. You must treat your Password, PIN/Passphrase and any other security details as confidential and not disclose them to any other person. You must also take all reasonable precautions to prevent unauthorised access to your miiCard account.

Please read and understand our Security Policy here »

We have the right to suspend or close any account with us and terminate your right to use our Service, if (in our opinion) you have failed materially to comply with any part of these terms. Before exercising any right of suspension or closure we will, where we consider it appropriate, provide you with an opportunity to make representations.


Availability of the Service

We will always do our best to ensure that our systems are available at all times. However, your access to and use of the Service may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Service or other actions that we, in our sole discretion, may elect to take.

You acknowledge that computer and telecommunications systems are not fault-free and occasional periods of downtime may occur. We don't guarantee the service will be uninterrupted, timely or error-free or that content loss won't occur.


Alerts and Communications

Part of the miiCard Digital Passport Service is to provide automatic alerts, notification and/or service updates. Such alerts will be sent to you if there is a material change to the Service, for example the content of the Privacy Policy.

Any notifications or updates will be sent to your primary email address or mobile number that you have provided to the Service.


What we ask you not to do

You agree that you will not:

  1. Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Service or any portion of it without our express written consent, which may be withheld at our sole discretion;
  2. Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Service, other than the search engines and search agents available through the Service and other than generally available third-party web browsers (such as Microsoft Explorer);
  3. Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of the Service; or
  4. Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Service.


Posting on the Website

We allow users to post content on blogs and at various other publicly available locations like our websites. If you wish to post content you agree to follow these rules:

You are responsible for all content you submit to us.

By submitting content to us, you represent that you have all necessary rights and hereby grant us a perpetual, worldwide, non-exclusive, royalty-free, sub-licenseable and transferable license to use, reproduce, distribute, prepare derivative works of, modify, display, and perform all or any portion of the content in connection with us and our business, including without limitation for promoting and redistributing part or all of the site (and derivative works thereof) in any media formats and through any media channels. You also hereby grant each user a non-exclusive license to access your posted content through the websites, and to use, reproduce, distribute, prepare derivative works of, display and perform such content as permitted through the functionality of the Service and under this Agreement.

You accept that we may edit your comments for clarity, or remove any comment.


Intellectual Property Rights

The contents of the Service, including its “look and feel” (e.g. text, graphics, images, logos and button icons), photographs, editorial content, notices, software and other material are protected under copyright, trademark and other laws. The content of the Service belongs to, or is licensed to us, or our software or content suppliers. We grant you the right to view and use the Service subject to these terms. You may download or print a copy of information provided on the Service for your personal, internal and non-commercial use only. Any distribution, reprint or electronic reproduction of any content from the Service in whole or in part for any other purpose is expressly prohibited without our prior written consent.


Warranties, Liability and Indemnification

Our total maximum aggregate liability to you for all matters arising out of or in connection to our Site and our Service will be limited to £500.

The content and all service and products associated with the service or provided through the service are provided to you on an ‘as-is’ basis. We make no representations or warranties of any kind, express or implied, as to the content or operation of the service. You expressly agree that your use of the service is at your sole risk.

To the extent permitted by law:

  • We exclude responsibility for results obtained from the use of our Site or our Service and for conclusions drawn from such use;
  • We exclude all conditions, warranties and other terms that might be implied by law;
  • Neither you nor we will be liable to the other for any indirect loss or damage; and
  • We exclude all liability for your loss of income or revenue or business, loss of profits or contracts, loss of anticipated savings, loss or corruption of data, loss of goodwill or reputation, amounts you pay or owe to your customers or to your affiliates, wasted internal costs or wasted management or office time, in each case, whether caused by a civil wrong (including negligence), breach of contract or otherwise, even if foreseeable, provided that the above shall not prevent claims for damage to tangible property or for direct financial loss that is not excluded by any of the categories set out above.

We will not be liable if we are unable to provide our websites or our Service for any reason that is outside of our reasonable control. Use of our Service for any time critical or business critical purposes is at your own risk. You must comply with all applicable laws and regulations of the country in which you are based. We will not be liable for any breach by you of any such laws, whether or not it is caused by our websites, our Service, or the Data.

You shall defend us against any claim against us alleging that your use of our websites or our Service in breach of these terms infringes the intellectual property rights or other rights of any other person or is in breach of the applicable law, and reimburse us for any costs incurred or damages awarded against us (or agreed in settlement) in respect of such a claim. If such a claim is brought against us we will notify you of it promptly (and where we can, within 30 days of first becoming aware of it) and you must give us reasonable co-operation in the defence and settlement of such claim.


Ending the Agreement

This Agreement will continue to apply until terminated by either you or us as set out below. If you want to terminate your agreement and deactivate your account please login to the service and in settings choose to ‘deactivate your account’. Alternatively email support@miicard.com with details of your account (username, email address, first name and last name). For security we will confirm to you by email before closing your account. When confirmed, your account will be closed and your ability to log in deactivated immediately. Your account data will be removed subject to and as explained in our Privacy Policy »

We may at any time, terminate our agreement with you:

  • If you have breached any provision of this Agreement (or have acted in a manner which clearly shows that you do not intend to, or are unable to comply with the provisions of this Agreement);
  • If we in our sole discretion believe we are required to do so by law (for example, where the provision of the Service to you is, or becomes, unlawful); or
  • Immediately upon notice, to the e-mail address provided by you as part of your user information.


Modifications to the Agreement

We may modify this Agreement from time to time. All changes to this Agreement will be posted on our website. The Agreement will always state the date it was last revised. You are deemed to accept and agree to be bound by any changes to the Agreement when you use the Service after those changes are posted.


Governing law and forum for disputes

This Agreement, and your relationship with us under this Agreement, shall be governed by the laws of Scotland without regard to its conflict or choice of laws provisions. Any dispute with us, or our officers, directors, employees, agents or affiliates, arising under or in relation to this Agreement shall be resolved exclusively through the Scottish courts, except with respect to imminent harm requiring a temporary or preliminary interdict or injunction in which case we may seek this in any court with jurisdiction over the parties. You understand that, in return for agreement to this provision, we are able to offer the Service on the terms stated in this Agreement, without charge to you, and that your consent to this provision is an indispensable consideration under this Agreement.


Other important matters

If any portion of this Agreement is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, this Agreement as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Agreement that is unlawful, void or unenforceable shall be deleted from this Agreement. If we do not exercise or enforce any legal right or remedy which is contained in the Agreement (or which we have the benefit of under any applicable law), this will not be taken to be a formal waiver of our rights and that those rights or remedies will still be available to us.

All covenants, agreements, representations and warranties made in this Agreement shall survive your acceptance of this Agreement and the termination of this Agreement.

This Agreement represents the entire understanding and agreement between you and us regarding the subject matter of the same, and supersedes all other previous agreements.


Guiding Principles of the Service

miiCard is a founded on a set of guiding principles listed with the Open Identity Exchange.

This simple set of principles and rules empower individuals to share identity and personal data with greater confidence that it will be protected and only used as authorised.

Our Terms of Use incorporate by reference the Respect Trust Framework listed with the Open Identity Exchange here »


This statement was last updated on 31 August 2015.