frosas · April 18, 2020 11:11
diff --git a/revolut-terms-diff.patch b/revolut-terms-diff.patch
 2a3,5
 > 
 > Download as a PDFhere
 > 
 53c56
 < You can check all payments into and out of your account through the Revolut app. We will not make any changes to your account information and it will be available to you through the Revolut app for six years after you close your account. If you need to keep a copy of the information after then, you will need to download it. You can download information from the app at any time.
 ---
 > You can check all payments into and out of your account through the Revolut app. We will not make any changes to your account information. It will be available to you through the Revolut app while you are a customer. It will also remain available through the Revolut app for six years after you close your account. If you need to keep a copy of the information after then, or if you need to keep a copy of it outside of the app, you will need to download it. You can download this information from the app at any time.
 131c134
 < 	Email us on [email protected] or [email protected].
 ---
 > 	Email us on [email protected]
 133c136,160
 < 10. Giving open-banking providers and third-party providers access to your account
 ---
 > 10. Making payments and accessing accounts using ‘open banking’
 > 
 > You can use ‘open banking’ to access the accounts you have with other providers via the Revolut app and to allow other providers to have access to your Revolut account.
 > 
 > Allowing other providers to have access to your Revolut account:
 > 
 > You can allow other providers to have access to your Revolut account information or make payments from your Revolut account on your behalf. These providers are often referred to as “open banking providers” or “third-party providers”.
 > 
 > These providers need to be authorised by a regulator to provide these services to you (such as the Financial Conduct Authority if the provider operates in the UK). If you are thinking of using an open banking provider or third-party provider, you should ask them for details of their authorisation and check this yourself. (You can do this by checking the regulator’s online register of authorised providers).
 > 
 > When you access your Revolut account via an open banking provider or third-party provider, our terms and conditions still apply to your use of your Revolut account.
 > 
 > Sometimes we might have to block an open banking provider’s or third-party provider’s access to your account (for example, if we're concerned about fraud, if they don’t have the authorisation they need or if there are legal or regulatory reasons for doing so). If we do this, we'll try to let you know beforehand or as soon as possible afterwards. We'll do this through the Revolut app or by email unless it would be unlawful to do so or there are valid security reasons why we can’t. We’ll also unblock the third-party provider as soon as the reasons for denying them access no longer exist.
 > 
 > You also have the right to block an open banking provider’s or third-party provider’s access to your Revolut account. You should contact us if you think one is acting without your consent.
 > 
 > When you use an open banking provider or a third-party provider, you authorise them and give consent to them to have access to your Revolut account information or make payments from your Revolut account on your behalf. How we share your information for these and other purposes is set out in our Privacy Policy.
 > 
 > Using the Revolut app to access accounts with other providers:
 > 
 > You can also access your accounts with other providers, and initiate payments from those accounts, via the Revolut app. We call these our “Open Banking Services”. Revolut is authorised to provide these services.
 > 
 > When you use our Open Banking Services to view information about an account you hold with another provider, you must authorise us to access that account. We won’t store any of the sensitive data you provide to give that authorisation.
 > 
 > Once you’ve authorised us to access the account:
 135c162,164
 < You can allow open-banking providers and third-party providers to have access to your account information or make payments on your behalf. These providers will often need to be authorised by a regulator such as the Financial Conduct Authority. If you are thinking of using an open-banking provider or third-party provider, you should ask them for details of their authorisation (if they have any) and check this yourself. (You can do this by checking the Financial Conduct Authority's online register of authorised companies).
 ---
 > We will access your account information on your behalf (meaning information like your account details, transaction history, and the features of your account).
 > We will analyse this information to provide spending insights to you (like suggesting how you might be able to save money).
 > You can revoke your consent at any time via the Revolut app.
 137c166,168
 < Sometimes we might have to block an open-banking provider’s or third-party provider’s access to your account (for example, if we're concerned about fraud, or if they don’t have the authorisation they need). If we do this, we'll try to let you know beforehand or as soon as possible afterwards. We'll do this through the Revolut app or by email.
 ---
 > How we use your information for these and other purposes is set out in our Privacy Policy.
 > 
 > When you use our Open Banking Services to initiate a payment from an account you hold with another provider, you must authorise us to make that payment as well. We won’t store any of the sensitive data you provide to give that authorisation.
 225c256,258
 < SEPA direct debits
 ---
 > Direct debits
 > 
 > European direct debits
 227c260
 < Depending on where you live, you may be able to pay direct debits, in euros, from your account to bank accounts held in the Single European Payments Area (which is all the countries in the EEA plus Switzerland, Monaco and San Marino). These payments are called SEPA direct debits. The bank holding the account the direct debit is to be paid to (the payee’s bank) is responsible for asking us for the payment when it is due.
 ---
 > Depending on where you live, you may be able to pay direct debits, in euros, from your account to bank accounts held in the Single European Payments Area (which is all the countries in the EEA plus Switzerland, Monaco and San Marino). These payments are called SEPA direct debits. The bank holding the account the direct debit is to be paid to (the payee's bank) is responsible for asking us for the payment when it is due.
 237c270
 < If you have set up a SEPA direct debit, the payee’s bank will ask for it on the business day before it is due and we will pay it to the bank on the due date. If the due date is a non-working day for the payee’s bank (this is normally a weekend or bank holiday), it will reach the bank on the next working day.
 ---
 > If you have set up a SEPA direct debit, the payee's bank will ask for it on the business day before it is due and we will pay it to the bank on the due date. If the due date is a non- working day for the payee's bank (this is normally a weekend or bank holiday), it will reach the bank on the next working day.
 240a274,277
 > UK direct debits
 > 
 > You can also set up a direct debit to pay a UK business in pounds sterling. UK direct debits go through a different payment system called Bacs. Please read our FAQ on UK direct debits for more information.
 > 
 275c312
 < If you tell us to make a currency exchange, or we need to convert the currency of a payment into or out of your account or a cash withdrawal made using your Revolut Card, we'll use an exchange rate based on our market rate, which is based on foreign-exchange markets. We add a percentage mark-up if:
 ---
 > If you tell us to make a currency exchange, or we need to convert the currency of a payment into or out of your account or a cash withdrawal made using your Revolut Card, we'll use an exchange rate based on our market rate, which is based on foreign-exchange markets. This means we use is a variable exchange rate which is changing constantly. We add a percentage mark-up if:
 292c329
 < You can't cancel a payment on the same day it's due to be paid from your account. This means that you cannot cancel transfers between Revolut accounts.
 ---
 > You can't cancel a payment on the same day it's due to be paid from your account (except for a UK direct debit). This means that you cannot cancel transfers between Revolut accounts. UK direct debits can only be cancelled before 3pm on the day they are due to be paid from your account.
 314,315d350
 < If you choose to turbo-charge (speed up) your payment we will prioritise it and do what we can to help it reach the account of the person you want to pay more quickly than the times set out below. We'll always provide you with an estimate of how much quicker the transfer will be before you choose to turbo-charge. A fee may apply for turbo-charging. We’ll let you know what that fee is in advance. You can find out more from our FAQ about turbo-charging.
 < 
 433c468
 < SEPA direct debits
 ---
 > European direct debits
 437c472
 < Reversing refunds
 ---
 > UK direct debits
 439c474
 < If we give you a refund and then find that you weren't entitled to it, you will have to pay us back.
 ---
 > You can cancel a UK direct debit by contacting us through the Revolut app before 3pm on the day that direct debit is due to be paid. If you let us know after 3pm, we will not be able to cancel the direct debit and will need to request a refund by making a Direct Debit Indemnity Claim on your behalf. The outcome of your claim will depend on the rules of the Bacs system (the UK payment system which the direct debits go through). If your claim is successful, we will refund you under the rules of the Bacs system.
 459a495,498
 > UK direct debits
 > 
 > You can cancel a direct debit payment to a UK business by contacting our customer support team on the Revolut app before 3pm on the day that direct debit would be paid. If you let us know after 3pm, we will need to process your request as a ‘Direct Debit Indemnity Claim’, and the outcome of that claim would depend on the rules of the Bacs system (a UK payment system which all direct debits go through). If your Direct Debit Indemnity Claim is successful, we will refund you under the rules of the Direct Debit Guarantee.
 > 
 543c582
 < We own all the intellectual property in our products (for example, the content in our app and on our website, our logo and card designs). You must not use our intellectual property as your own, except to enjoy our products. You also must not reverse-engineer any of our products (that is, reproduce them after a detailed examination of their construction or composition).
 ---
 > Except as we've set out in section 33 below, we own all the intellectual property in our products (for example, the content in our app and on our website, our logo and card designs). You must not use our intellectual property as your own, except to enjoy our products. You also must not reverse-engineer any of our products (that is, reproduce them after a detailed examination of their construction or composition).
 564a604,607
 > Third-party intellectual property
 > 
 > The Revolut app displays Google Maps features and content, which includes intellectual property that doesn’t belong to us. For this reason, the Google Maps/Google Earth Additional Terms of Service (maps.google.com/help/terms_maps.html) and Google Privacy Policy (www.google.com/policies/privacy/) apply to your use of the Google Maps features and content.
 > 
 573a617,664
 > 
 > 
 > PERSONALBUSINESS
 > ACCOUNTS
 > Standard
 > Premium
 > Metal
 > JuniorNew
 > PRODUCTS
 > Money Transfers
 > Send and Request Payments
 > Vaults
 > Savings VaultsNew
 > Budgeting
 > PerksNew
 > TradingNew
 > Cryptocurrency
 > CommoditiesNew
 > Mobile Phone Insurance
 > Overseas Medical Insurance
 > Donations
 > Apple Pay
 > Google Pay
 > Developers
 > COMPANY
 > About
 > Blog
 > Careers
 > Affiliates
 > Influencers
 > Contact
 > HELP
 > Community
 > Help centre
 > Security
 > System Status
 > FOLLOW
 > Facebook
 > Instagram
 > Twitter
 > LinkedIn
 > Dribbble
 > United Kingdom
 > English
 > 
 > © 2020 Revolut LtdWebsite TermsLegal AgreementsPrivacy PolicyComplaintsFair UsageFX fee comparisonData Privacy For Candidates
 > 
 > If you would like to find out more about which Revolut entity you receive services from, or if you have any other questions, please reach out to us via the in-app chat in the Revolut app. Revolut Ltd (No. 08804411) is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Firm Reference 900562). Registered address: 7 Westferry Circus, Canary Wharf, London, England, E14 4HD. Insurance related-products are provided by Revolut Travel Ltd which is authorised by the Financial Conduct Authority to undertake insurance distribution activities (FCA No: 780586) and by Revolut Ltd, an Appointed Representative of Revolut Travel Ltd in relation to insurance distribution activities. Revolut Ltd is an Appointed Representative of Lending Works Ltd for the activity of “operating an electronic system for lending”. Trading and investment products are provided by Revolut Trading Ltd (No. 832790) is wholly owned subsidiary of Revolut Ltd and is an appointed representative of Sapia Partners LLP which is authorised and regulated by the Financial Conduct Authority.
 \ No newline at end of file
	2a3,5
	>
	> Download as a PDFhere
	>
	53c56
	< You can check all payments into and out of your account through the Revolut app. We will not make any changes to your account information and it will be available to you through the Revolut app for six years after you close your account. If you need to keep a copy of the information after then, you will need to download it. You can download information from the app at any time.
	---
	> You can check all payments into and out of your account through the Revolut app. We will not make any changes to your account information. It will be available to you through the Revolut app while you are a customer. It will also remain available through the Revolut app for six years after you close your account. If you need to keep a copy of the information after then, or if you need to keep a copy of it outside of the app, you will need to download it. You can download this information from the app at any time.
	131c134
	< Email us on [email protected] or [email protected].
	---
	> Email us on [email protected]
	133c136,160
	< 10. Giving open-banking providers and third-party providers access to your account
	---
	> 10. Making payments and accessing accounts using ‘open banking’
	>
	> You can use ‘open banking’ to access the accounts you have with other providers via the Revolut app and to allow other providers to have access to your Revolut account.
	>
	> Allowing other providers to have access to your Revolut account:
	>
	> You can allow other providers to have access to your Revolut account information or make payments from your Revolut account on your behalf. These providers are often referred to as “open banking providers” or “third-party providers”.
	>
	> These providers need to be authorised by a regulator to provide these services to you (such as the Financial Conduct Authority if the provider operates in the UK). If you are thinking of using an open banking provider or third-party provider, you should ask them for details of their authorisation and check this yourself. (You can do this by checking the regulator’s online register of authorised providers).
	>
	> When you access your Revolut account via an open banking provider or third-party provider, our terms and conditions still apply to your use of your Revolut account.
	>
	> Sometimes we might have to block an open banking provider’s or third-party provider’s access to your account (for example, if we're concerned about fraud, if they don’t have the authorisation they need or if there are legal or regulatory reasons for doing so). If we do this, we'll try to let you know beforehand or as soon as possible afterwards. We'll do this through the Revolut app or by email unless it would be unlawful to do so or there are valid security reasons why we can’t. We’ll also unblock the third-party provider as soon as the reasons for denying them access no longer exist.
	>
	> You also have the right to block an open banking provider’s or third-party provider’s access to your Revolut account. You should contact us if you think one is acting without your consent.
	>
	> When you use an open banking provider or a third-party provider, you authorise them and give consent to them to have access to your Revolut account information or make payments from your Revolut account on your behalf. How we share your information for these and other purposes is set out in our Privacy Policy.
	>
	> Using the Revolut app to access accounts with other providers:
	>
	> You can also access your accounts with other providers, and initiate payments from those accounts, via the Revolut app. We call these our “Open Banking Services”. Revolut is authorised to provide these services.
	>
	> When you use our Open Banking Services to view information about an account you hold with another provider, you must authorise us to access that account. We won’t store any of the sensitive data you provide to give that authorisation.
	>
	> Once you’ve authorised us to access the account:
	135c162,164
	< You can allow open-banking providers and third-party providers to have access to your account information or make payments on your behalf. These providers will often need to be authorised by a regulator such as the Financial Conduct Authority. If you are thinking of using an open-banking provider or third-party provider, you should ask them for details of their authorisation (if they have any) and check this yourself. (You can do this by checking the Financial Conduct Authority's online register of authorised companies).
	---
	> We will access your account information on your behalf (meaning information like your account details, transaction history, and the features of your account).
	> We will analyse this information to provide spending insights to you (like suggesting how you might be able to save money).
	> You can revoke your consent at any time via the Revolut app.
	137c166,168
	< Sometimes we might have to block an open-banking provider’s or third-party provider’s access to your account (for example, if we're concerned about fraud, or if they don’t have the authorisation they need). If we do this, we'll try to let you know beforehand or as soon as possible afterwards. We'll do this through the Revolut app or by email.
	---
	> How we use your information for these and other purposes is set out in our Privacy Policy.
	>
	> When you use our Open Banking Services to initiate a payment from an account you hold with another provider, you must authorise us to make that payment as well. We won’t store any of the sensitive data you provide to give that authorisation.
	225c256,258
	< SEPA direct debits
	---
	> Direct debits
	>
	> European direct debits
	227c260
	< Depending on where you live, you may be able to pay direct debits, in euros, from your account to bank accounts held in the Single European Payments Area (which is all the countries in the EEA plus Switzerland, Monaco and San Marino). These payments are called SEPA direct debits. The bank holding the account the direct debit is to be paid to (the payee’s bank) is responsible for asking us for the payment when it is due.
	---
	> Depending on where you live, you may be able to pay direct debits, in euros, from your account to bank accounts held in the Single European Payments Area (which is all the countries in the EEA plus Switzerland, Monaco and San Marino). These payments are called SEPA direct debits. The bank holding the account the direct debit is to be paid to (the payee's bank) is responsible for asking us for the payment when it is due.
	237c270
	< If you have set up a SEPA direct debit, the payee’s bank will ask for it on the business day before it is due and we will pay it to the bank on the due date. If the due date is a non-working day for the payee’s bank (this is normally a weekend or bank holiday), it will reach the bank on the next working day.
	---
	> If you have set up a SEPA direct debit, the payee's bank will ask for it on the business day before it is due and we will pay it to the bank on the due date. If the due date is a non- working day for the payee's bank (this is normally a weekend or bank holiday), it will reach the bank on the next working day.
	240a274,277
	> UK direct debits
	>
	> You can also set up a direct debit to pay a UK business in pounds sterling. UK direct debits go through a different payment system called Bacs. Please read our FAQ on UK direct debits for more information.
	>
	275c312
	< If you tell us to make a currency exchange, or we need to convert the currency of a payment into or out of your account or a cash withdrawal made using your Revolut Card, we'll use an exchange rate based on our market rate, which is based on foreign-exchange markets. We add a percentage mark-up if:
	---
	> If you tell us to make a currency exchange, or we need to convert the currency of a payment into or out of your account or a cash withdrawal made using your Revolut Card, we'll use an exchange rate based on our market rate, which is based on foreign-exchange markets. This means we use is a variable exchange rate which is changing constantly. We add a percentage mark-up if:
	292c329
	< You can't cancel a payment on the same day it's due to be paid from your account. This means that you cannot cancel transfers between Revolut accounts.
	---
	> You can't cancel a payment on the same day it's due to be paid from your account (except for a UK direct debit). This means that you cannot cancel transfers between Revolut accounts. UK direct debits can only be cancelled before 3pm on the day they are due to be paid from your account.
	314,315d350
	< If you choose to turbo-charge (speed up) your payment we will prioritise it and do what we can to help it reach the account of the person you want to pay more quickly than the times set out below. We'll always provide you with an estimate of how much quicker the transfer will be before you choose to turbo-charge. A fee may apply for turbo-charging. We’ll let you know what that fee is in advance. You can find out more from our FAQ about turbo-charging.
	<
	433c468
	< SEPA direct debits
	---
	> European direct debits
	437c472
	< Reversing refunds
	---
	> UK direct debits
	439c474
	< If we give you a refund and then find that you weren't entitled to it, you will have to pay us back.
	---
	> You can cancel a UK direct debit by contacting us through the Revolut app before 3pm on the day that direct debit is due to be paid. If you let us know after 3pm, we will not be able to cancel the direct debit and will need to request a refund by making a Direct Debit Indemnity Claim on your behalf. The outcome of your claim will depend on the rules of the Bacs system (the UK payment system which the direct debits go through). If your claim is successful, we will refund you under the rules of the Bacs system.
	459a495,498
	> UK direct debits
	>
	> You can cancel a direct debit payment to a UK business by contacting our customer support team on the Revolut app before 3pm on the day that direct debit would be paid. If you let us know after 3pm, we will need to process your request as a ‘Direct Debit Indemnity Claim’, and the outcome of that claim would depend on the rules of the Bacs system (a UK payment system which all direct debits go through). If your Direct Debit Indemnity Claim is successful, we will refund you under the rules of the Direct Debit Guarantee.
	>
	543c582
	< We own all the intellectual property in our products (for example, the content in our app and on our website, our logo and card designs). You must not use our intellectual property as your own, except to enjoy our products. You also must not reverse-engineer any of our products (that is, reproduce them after a detailed examination of their construction or composition).
	---
	> Except as we've set out in section 33 below, we own all the intellectual property in our products (for example, the content in our app and on our website, our logo and card designs). You must not use our intellectual property as your own, except to enjoy our products. You also must not reverse-engineer any of our products (that is, reproduce them after a detailed examination of their construction or composition).
	564a604,607
	> Third-party intellectual property
	>
	> The Revolut app displays Google Maps features and content, which includes intellectual property that doesn’t belong to us. For this reason, the Google Maps/Google Earth Additional Terms of Service (maps.google.com/help/terms_maps.html) and Google Privacy Policy (www.google.com/policies/privacy/) apply to your use of the Google Maps features and content.
	>
	573a617,664
	>
	>
	> PERSONALBUSINESS
	> ACCOUNTS
	> Standard
	> Premium
	> Metal
	> JuniorNew
	> PRODUCTS
	> Money Transfers
	> Send and Request Payments
	> Vaults
	> Savings VaultsNew
	> Budgeting
	> PerksNew
	> TradingNew
	> Cryptocurrency
	> CommoditiesNew
	> Mobile Phone Insurance
	> Overseas Medical Insurance
	> Donations
	> Apple Pay
	> Google Pay
	> Developers
	> COMPANY
	> About
	> Blog
	> Careers
	> Affiliates
	> Influencers
	> Contact
	> HELP
	> Community
	> Help centre
	> Security
	> System Status
	> FOLLOW
	> Facebook
	> Instagram
	> Twitter
	> LinkedIn
	> Dribbble
	> United Kingdom
	> English
	>
	> © 2020 Revolut LtdWebsite TermsLegal AgreementsPrivacy PolicyComplaintsFair UsageFX fee comparisonData Privacy For Candidates
	>
	> If you would like to find out more about which Revolut entity you receive services from, or if you have any other questions, please reach out to us via the in-app chat in the Revolut app. Revolut Ltd (No. 08804411) is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Firm Reference 900562). Registered address: 7 Westferry Circus, Canary Wharf, London, England, E14 4HD. Insurance related-products are provided by Revolut Travel Ltd which is authorised by the Financial Conduct Authority to undertake insurance distribution activities (FCA No: 780586) and by Revolut Ltd, an Appointed Representative of Revolut Travel Ltd in relation to insurance distribution activities. Revolut Ltd is an Appointed Representative of Lending Works Ltd for the activity of “operating an electronic system for lending”. Trading and investment products are provided by Revolut Trading Ltd (No. 832790) is wholly owned subsidiary of Revolut Ltd and is an appointed representative of Sapia Partners LLP which is authorised and regulated by the Financial Conduct Authority.
	\ No newline at end of file