Skip to main content

1. Who we are

We’re Asto Digital LimitedAsto for short – and ‘we’ or ‘us’ or ‘our’ for even shorter 😉

We’re a private limited company, registered in England and Wales. Our company registration number is 11124336 and our registered office is at 2 Triton Square, Regent’s Place, London, NW1 3AN. We are authorised and regulated by the Financial Conduct Authority in relation to our Payments Services and for the provision of Consumer Credit.

2. Our agreement with you

The agreement between you and us for the services we provide is made up of the following:

  1. these terms and conditions;
  2. our Privacy Policy;
  3. our Cookie Policy; and
  4. our Website Terms of Use,

(For short, we call these the Account Terms and Conditions).

You can apply to use additional services from Asto and these additional services may have their own terms “Additional Terms”. You’ll have to agree to the relevant Additional Terms before you can use those other services. If any of the Additional Terms conflict with the Account Terms and Conditions, the relevant provisions of the Additional Terms will apply.

Please be sure to read the Account Terms and Conditions and any Additional Terms. You’ll find them on our website, in your dashboard on our app or get in touch and we’ll email them to you.

3. Who can use our services?

To use our services, you must:

  1. be a UK business (whether a company, partnership or sole trader) and use our services for activities related to that business; and
  2. pass any checks we may make about your identity and the information you’ve given us. We have to do these checks, so we can offer you our services and comply with our legal obligations.

4. What these terms cover

These terms cover our Business Services – that’s what we call the services you can access without having to agree to any Additional Terms. We may change or remove Business Services from time to time. We’ll let you know about any significant changes through our app or website. Our Business Services are not regulated.

5. Our payments and finance services

You will have to agree to Additional Terms if you sign up to use our Payments Services or Finance Services. Our Payments Services include account information services and our Finance Services include Invoice Finance and Business Capital. When you agree to any Additional Terms, they become part of our overall agreement with you, along with the Account Terms and Conditions.

If you wish to use our Finance Services, you will need to apply for an ‘Invoice Finance Limit’ for our invoice finance product and/or a Credit Limit for our loan and credit-based products. For simplicity, we refer to these ‘limits’ together as an “Asto Finance Limit“ – it’s easier that way. The relevant Asto Finance Limit represents the total amount of finance available to your business for the relevant finance product.

When you apply for an Asto Finance Limit we use an automated process to assess your application and determine the amount of finance we make available to you. This assessment is conducted without human intervention. To find out more about this process and your rights please see our FAQ. For more information about how we use the personal data you provide please see our Privacy Policy.

We may increase or decrease your Asto Finance Limits, suspend your ability to access available finance within your Asto Finance Limit or withdraw any Asto Finance Limit, at any time. We keep Asto Finance Limits under review as part of being responsible in how we offer finance and lending. We will take into account any changes we are aware of relating to your business (including credit worthiness) as well as specific events (for example, you fail to make a payment to us on time).

If we increase any of your Asto Finance Limits, we will let you know 30 days beforehand and you can refuse the increase if you wish – just get in touch with us to let us know.

If we decrease any of your Asto Finance Limits, we will let you know as soon as this happens. You cannot reject a decrease to any Asto Finance Limits. However, if you want to query any decrease, please get in touch.

6. Keeping your account safe

You must keep your security information safe. That means you must keep this information confidential and not disclose it to anyone, or let anyone use your details.

We may disable any your account at any time if, in our opinion, you’ve failed to comply with any of the Account Terms and Conditions or Additional Terms (as applicable), or we believe your account may have been compromised.
You must tell us as soon as possible if you think that someone other than you might know your security details.

We’ll let you know through the app, by phone or text message if we suspect there’s been any unauthorised or fraudulent access to your Asto account. We may also suspend access to your Asto account or disable certain features. We’ll try to let you know if we have such suspicions or suspend access to your Asto account– unless we can’t for legal reasons.

Asto may use image capture services, which allow you to take pictures of receipts, so you can manage your expenses. Don’t take pictures of anything that might reveal any personal data about you or anyone else. Asto is not responsible to you if you choose to take pictures of things which might be used to compromise the security of your personal data, your contact details, or any form of identification.

7. Costs and charges

Our charges
You’re free to use our Business Services… for free.

We’ll let you know about any costs or charges for additional services if and when you sign up for them.

Other people’s charges
Some third parties might charge you when you use our services. For example, you might have to pay to access the internet when you’re using our app. We can’t control and are not responsible for these charges. It is your responsibility to pay these charges.

8. Changing your information

When you use our services, you agree to give us accurate, complete and up-to-date information.

Please let us know, as soon as possible, if there are changes to your contact information – particularly your email address and contact number(s). Without these we may not be able to contact you and we may restrict your access to our services.

9. Taking care of your data

Our services are provided to you via the internet. We will use your data in accordance with our Privacy Policy, but the internet is not 100% safe. So no-one, including us, can make 100% guarantees about security. By using our services, you acknowledge and agree that a service provided via the internet cannot be completely secure. Please read our Privacy Policy to make sure you understand how we use the data we collect about you.

10. We provide information only – not financial, investment, legal or tax advice

We may know a thing or two about finance and tech, but we’ll never know as much about you… as you. So never take any of the data, alerts, app and web content or other communications we send or make available to you as financial, legal, tax, business or other advice or as a personal recommendation. Obviously, your finances are your responsibility – we’re just here to try to make it easier for you to do your admin. We recommend getting independent financial or other advice if there’s anything you’re not sure about.

11. Asto services are provided ‘as is’

This section is important because it limits our responsibility if something goes wrong and you suffer loss.

We obviously want our tools, alerts, insights, and services to be error-free, perform as expected, and available to you whenever you need them. But we can’t promise they will be – and you can’t hold us responsible if they’re not.

We provide our services to you “as is” and you use them at your own risk. As such, we’re not responsible to you, or any third party, for any loss or damage arising from your use of our services, the use of third party services provided through our services, your breach of the Account Terms and Conditions or any applicable Additional Terms, or the negligence, acts or omissions of us, our affiliates, agents or sub-contractors.

We will not be responsible to you for loss of profits, loss of operations, loss of data, loss of contracts, loss of anticipated savings or benefits, loss of market share, loss of goodwill or increased costs or expenses arising from your use of our services, including the unavailability of such services.

However, nothing in this section limits our liability for fraud, fraudulent concealment or any other matters that cannot be excluded by law.

12. Your responsibility to us

When you use our services, you agree to play by the rules – which we’ve laid out in the Account Terms and Conditions and any Additional Terms (as applicable). So, if you break any of the rules, and we suffer loss or damage because of it, we may claim back from you a reasonable sum to cover our fees, losses or other costs.

13. Changes to these Terms & Conditions

We may change these Account Terms and Conditions from time to time. We’ll let you know through our app, website and/or by email. We might make changes straight away if we are required to do so (for example, for legal or regulatory reasons) or if the changes are not less favourable than the current term governing your use of our services. Otherwise, we’ll give you two months’ notice – during which you can continue to use our services as normal. If you stay with us after these two months, it means you’ve agreed to our changes. If you don’t agree, just let us know during these two months and we’ll close your account.

14. Closing your account

These terms apply for as long as you have an account with us. If you want to close your account, just get in touch and tell us you no longer want to use our services.

If we decide to close your account, we’ll give you two months’ notice.

We might also suspend or disable features, or close your account immediately, if:

  1. you break these terms or any Additional Terms in a serious way that can’t be resolved, or if it can be fixed, you don’t fix it within 14 days;
  2. we suspect any fraudulent, unlawful, suspicious or other similar activity, on your Asto account;
  3. we, or you, become bankrupt or insolvent;
  4. we are required to do so for regulatory or legal reasons.

If we take such action, we will notify you in advance. Where this isn’t possible, we’ll notify you afterwards. However, there might be situations where we cannot notify you at all (for legal reasons, for example).

If you or we notify the other about closing your account, we may but we not have to, complete any instructions or transactions that are in process, terminate any finance you have obtained from us and require you to pay us immediately any sums due to us under the Account Terms and Condition and any Additional Terms and, after that, we will close your account with us.

On closure of your account, our Privacy Policy, Cookie Policy and Website Terms of Use continue to apply, together with any provision of our Account Terms and Conditions and any Additional Terms that are intended to survive termination. Once we’ve closed your account, we may continue to hold data about you and your account in accordance with our Privacy Policy and for legal or regulatory reasons.

15. How you and we can communicate

You can contact us at any time by Live Chat, by email to or by calling 0808 164 4277, from 08:00 to 18:00 Monday to Friday (excluding bank holidays).

We’ll keep in touch through notifications or messages in the app, by phone, email, or post using the details you provide to us, so you must make sure we have your latest contact details.

However, if you need to serve a legal notice on us, then you can only do so by writing to us at: Asto Digital Limited, 2 Triton Square, Regent’s Place, London NW1 3AN. Anything sent by post will be deemed to have been received by you, or us, on the second business day after posting.

And, just as with these Account Terms and Conditions, we’ll always communicate with you in English.

16. How to complain

We’re here to help and give you a great service. If we’ve messed up or fallen short of what you expect – in any way – please let us know, so we can try to sort things out. See the section above ‘How you and we can communicate’ for our contact details. Or you can write to The Compliance Officer, Asto Digital Limited, 2 Triton Square, Regent’s Place, London, NW1 3AN.

We take complaints seriously, so please give us as much information as you can, so we can look into things fully. If you’d like to understand how we handle complaints, we’d be happy to explain how our complaints procedure works – just ask.

17. How to take things further

If you’re not happy with the way we’ve handled your concerns, you can get help resolving your dispute by making a complaint using the European Commission’s Online dispute Resolution Platform at

18. Other terms

You can’t transfer your rights or obligations under these terms and conditions to someone else. We may transfer our rights and obligations under these Account Terms and Conditions to another organisation, but only if we’re happy they will treat you in the same way we do.

We may use other companies to help us with our services to you. We take all reasonable steps to make sure that the people and companies we work with are competent to do the job. But we are not responsible for their actions and/or failure to provide services. You agree that we may provide information about you, and your accounts, to them.

This agreement is between you and us. No one else has any rights under the agreement and no other person has any rights to enforce any of its terms.
Each of the paragraphs of these terms and conditions operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

If we do not insist immediately that you do anything you are required to do under the Account Terms and Conditions or any Additional Terms – or if we delay taking steps against you, in respect of your breaking our agreement – that will not mean you do not have to do those things and it will not prevent us taking steps against you at a later date.

These terms are governed by English law and you can only bring legal proceedings in respect of the Account Terms and Conditions any Additional Terms, or the services we provide, in the English courts.

Thank you for taking the time to read these Terms and Conditions.

We hope our services help make your working life that little bit easier.

Team Asto