User Agreement V1.1

What is Miko? 🤔

These legal terms (Irish law applies) are between you and Miko Healthcare (Miko/us/we) and you agree to them by using the Miko app.

How to contact us 💬

You can contact us through the Miko website, through the chatbot or using a contact form.
We will contact you in English 🇬🇧 and Emoji 😃 via Miko, or through your email, phone or home address. Please let us know if any of these change!

Making payments 💸

You must have enough money in your account to make payments. However, certain transactions may still go through in which case we will let you know the amount that you'll need to repay before the end of the day. If you don't, we will charge you interest at an Effective Annual Rate of 19.9% on the amount until repaid in full. Interests are calculated at the end of the day and taken from your account on the first day of the month.

We may block your payments if:

your instructions are unclear
we suspect there is criminal activity on your account
we are not legally allowed to make the transfer
it exceeds your payment limits which are available in your app and may change over time

If this happens we will let you know as soon as possible.

If something goes wrong 😱

Please keep your phone, card and PIN safe at all times.

If you lose your card or you see transactions in the app that look incorrect, you should freeze your card and let us know as soon as possible. We might be able to refund any money you lost due to our mistakes or inaccuracies with your payments or due to fraudulent activity on your account.

However, you won't be able to claim losses if:

you were very careless or you intentionally failed to keep your phone, card and PIN safe
you broke the terms of this agreement
you gave us incorrect instructions
we took actions under conditions outside of our control
they are not the direct and predictable result of our actions.

How to make a complaint 😔

If you have a complaint please contact us and we will do our best to fix the problem.

Making changes to this agreement 📝

This agreement will always be available in the app and on our website.

If we make changes to it that are clearly in your favour, we'll tell you once they've been made. Otherwise we will give you two months' notice.

If you don't agree to these changes, you can let us know and we will close your account.

Closing your account 😭

To close your account, please get in touch with us. Any money you owe us will have to be repaid before the account can be closed. Once the account is closed, you won't be able to access your account.

We can close your account by giving you at least two months' notice. We may close your account or suspend use of the app immediately if we believe you have:

broken the terms of this agreement
put us in a position where we might break the law
broken the law or attempted to break the law
given us false information at any time
behaved in an abusive manner to anyone at Miko or a member of the Miko community