Teya AI Terms
Last material update: 23rd September 2026
Welcome to Teya AI - your assistant inside the Teya app. Teya AI is built to help you get more done with less effort: it can make sense of your sales and spending, answer questions about your business, help you find information, and, when you ask it to, carry out everyday tasks for you and your business. Our aim is simple - to give you back time to focus on running your business, while keeping you firmly in control of every decision that matters.
The terms and conditions set out here, including referenced policies, guidelines, instructions, and any other documents identified from time to time (“Teya AI Terms”, also referred to as “Additional Terms”) govern your access to and use of Teya AI and the related features and functionality described in section 2 (the “AI Services”).
When you use the AI Services, you also agree to the Teya General Terms, Privacy Notice and the Data Protection Addendum, which are incorporated into these Teya AI Terms by reference, including any amendments made from time to time. Where you use the AI Services to carry out an action that is governed by other Additional Terms - for example, a payment or a bill payment under the Business Account Terms, or a Transaction, Refund or Pay By Link under the Payment Terms, those Additional Terms continue to apply to that action in full, and these Teya AI Terms apply in addition to them.
Unless otherwise defined herein, capitalised terms have the same meaning as in the Teya General Terms and the other applicable Additional Terms. To the extent that there is a conflict between these Teya AI Terms and the Teya General Terms, these Teya AI Terms will prevail in respect of the AI Services. To the extent that there is a conflict between these Teya AI Terms and the Payment Terms or the Business Account Terms in respect of a payment, or other regulated action initiated through the AI Services, those terms will prevail in respect of that action.
If any clauses of these Teya AI Terms seem unclear or you have inquiries about the AI Services please feel free to contact Teya Support at any time during the term of these Teya AI Terms. We are here to assist you at your convenience.
1. Definitions
“AI Action” means any task that the AI Services carry out, or prepare for you to carry out, on your instruction, including preparing or initiating a payment or transfer, creating a Refund, creating a Pay By Link, ordering Teya Hardware, or creating or amending a card, catalogue item or similar record within your Teya Account;
“AI Assistant” means the conversational, generative artificial-intelligence interface made available by Teya within the Teya app or Business Portal through which you access the AI Services;
“AI Content” means, together, your Input and the Output;
“AI Service Provider” means a third-party provider of artificial-intelligence technology, including large language model providers, engaged by Teya to provide or enable functionality within the AI Services;
“Authorised User” has the meaning given in the Teya General Terms, and for the purposes of the Business Account includes any designated person you authorise to use the Business Account and/or your Teya Card, subject to the roles and permissions you assign under section 4;
“Bill Payments” means the bill and invoice payment feature governed by the Business Account Terms, under which you may submit a bill by upload, scan or email, have its details extracted automatically, and approve payment;
“Input” means any text, instruction, prompt, image, document, file or other content or data that you or your Authorised Users submit to the AI Services;
“Output” means any text, analysis, summary, suggestion, image or other content generated by the AI Services in response to an Input;
“Teya” means the Teya entity you are contracting with for the relevant Service as further set out in the Teya General Terms and the applicable Additional Terms. The AI Services are provided by Teya Services Ltd. (company number: 12271069), registered at 41 Lothbury, London, United Kingdom, EC2R 7HF, save that where an AI Action constitutes a payment service or the issuance of electronic money, that action is provided by Teya Solutions Ltd. (company number: 13886878), authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 [Reference no. 978181], under the Payment Terms and/or the Business Account Terms;
“Teya AI” means the AI Assistant and the AI Services collectively.
2. The AI Services
2.1. The AI Services allow you to interact with an AI Assistant that can, depending on the Services you hold and the permissions you have enabled: (a) analyse and summarise information associated with your Teya Account, such as your sales, Transactions, Payouts and spending, to provide insights and answer your questions; (b) help you research, draft and organise information; and (c) on your instruction, prepare or carry out AI Actions. Some features may require activation or a particular Membership Plan, and the availability of features is at our discretion.
2.2. The AI Services are a tool to assist you. You, acting through your Authorised Users, remain the decision-maker at all times. The AI Assistant acts only in response to your Input and only within the permissions you have configured under section 4. The AI Assistant does not act on its own initiative and will not carry out an AI Action that moves money, incurs a Fee or creates a binding instruction unless and until you confirm it in accordance with section 5.
2.3. You are interacting with an automated service powered by artificial intelligence, not a human. We will make this clear at the point you engage with the AI Assistant. The AI Services use technology that can understand, summarise, predict and generate content based on the data made available to them and the Input you provide.
2.4. We may modify, add to, suspend or discontinue any part of the AI Services at any time in accordance with the Teya General Terms. We are not obliged to make any particular feature available and do not guarantee that any feature will remain available.
3. Eligibility & Access
3.1. To use the AI Services you must hold an active Teya Account in good standing and accept these Teya AI Terms. Access to particular AI Actions depends on your holding the underlying Service (for example, a Business Account for bill payments and transfers, or the Payment Services for Refunds and Pay By Link).
3.2. In addition to the information obligations in the Teya General Terms, you agree to provide accurate and complete information when using the AI Services, and to keep the information in your Teya Account up to date. The accuracy of Output depends in part on the accuracy of the information you provide.
3.3. We may ask you for further information at any time to enable, monitor or secure your use of the AI Services, and your failure to provide it may result in suspension or termination of your access under section 14.
4. Authority, Authorised Users & permissions
4.1. You are responsible for all use of the AI Services under your Teya Account, including all Input submitted and all AI Actions confirmed, by you and by each of your Authorised Users, as if you had carried them out yourself.
4.2. Where the AI Services allow you to grant Authorised Users access, you are responsible for assigning appropriate roles and permissions to each Authorised User, including which information they may view and which AI Actions (if any) they may prepare or confirm. You must ensure that each Authorised User's permissions are appropriate to their role and that permissions are removed promptly when no longer required.
4.3. An AI Action that requires confirmation may only be confirmed by an Authorised User who holds the necessary permission and, where applicable, who successfully completes any authentication we require under section 5. We may set limits on the AI Actions available to particular roles, and may require additional authentication for higher-risk AI Actions.
4.4. You are liable for the acts and omissions of your Authorised Users in connection with the AI Services, and for any AI Action taken by, or on the instruction of, an Authorised User, in accordance with the Teya General Terms and the relevant Additional Terms.
5. AI Actions, confirmation & payment execution
5.1. Confirmation before execution. Where an AI Action moves money, creates a Refund, incurs a Fee, or creates or amends a binding instruction or record, the AI Assistant will present the proposed AI Action to you for review, and will not execute it unless and until an Authorised User with the necessary permission expressly confirms it. Your confirmation is your authorisation of that AI Action.
5.2. Your duty to review. Because Output is generated by artificial intelligence and may be inaccurate or incomplete, you must review and verify the details of every AI Action, including any information the AI Services have extracted, drafted or suggested (such as a payee, amount, reference, date or item), before you confirm it. You are responsible for ensuring the details are correct.
5.3. Payments and authentication. Where an AI Action is a payment, transfer or other payment service, it is initiated only once you have confirmed it and completed any strong customer authentication or other authentication we require. Once so confirmed and authenticated, the AI Action is treated as an authorised payment transaction and is executed, and settled, under the Payment Terms and/or the Business Account Terms, which govern authorisation, execution, incorrectly executed and unauthorised transactions, and the associated allocation of liability. Nothing in these Teya AI Terms reduces the protections available to you in law in respect of unauthorised or incorrectly executed payment transactions.
5.4. Bill Payments. Where you use the AI Services to pay a bill or invoice, the Bill Payments feature and section 15 of the Business Account Terms govern that flow, including submission, automatic extraction on an “as is” basis, Authorised User approval, your duty to verify extracted details, and responsibility for incorrect details. These Teya AI Terms apply in addition to, and do not replace, those provisions.
5.5. Fraud and push payments. You acknowledge that a payment you confirm through the AI Services is made on your authority. You should take care to satisfy yourself that any payee and payment details are genuine and correct before confirming, as a confirmed payment may be difficult or impossible to recover. Where a payment falls within an applicable authorised push payment reimbursement scheme, the protections and exceptions of that scheme apply. We may decline, delay, suspend or review any AI Action where we suspect fraud, error, or a security or financial-crime risk, and we may contact you to verify it.
5.6. Reversibility. Some AI Actions can be cancelled or reversed before execution; others cannot once confirmed. Where an AI Action can be reversed, the terms of the relevant underlying Service apply. We do not guarantee that any confirmed AI Action can be undone.
6. Your Input and Output
6.1. You are responsible for your Input and for ensuring you have the right to submit it and to have it processed for the purposes of the AI Services. You must not submit Input that infringes the rights of any third party or that you are not permitted to share.
6.2. You must not include in any Input any special category personal data (including data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic or biometric data, or data concerning health, sex life or sexual orientation), or the personal data of others, unless you have a lawful basis to do so and that basis extends to processing by Teya and any AI Service Provider as described in these Teya AI Terms and our Privacy Policy.
6.3. As between you and Teya, and subject to the licence in section 6.4, you retain such rights as you hold in your Input and Output. We do not claim ownership of your Input or Output.
6.4. You grant each Teya Company (and its successors) the worldwide, non-exclusive, royalty-free, fully paid, transferable and sub-licensable right to use, host, store, reproduce, modify and process your AI Content to the extent necessary to provide, secure, maintain and improve the AI Services and to comply with Applicable Law, consistent with section 10 (User Content) of the Teya General Terms. This licence is subject to section 10 (No model training) below and to our Privacy Policy and the Data Protection Addendum.
6.5. Output may not be unique. The AI Services may generate the same or similar Output for other users, and nothing in these Teya AI Terms prevents us or other users from generating or using such Output.
7. No professional advice
7.1. The AI Services do not provide, and must not be relied on as, professional advice of any kind. In particular, the AI Services do not provide accounting, financial, investment, tax, legal, employment, medical or other regulated or specialised advice, and nothing generated by the AI Services constitutes a personal recommendation, a financial promotion, or advice within the meaning of the Financial Services and Markets Act 2000 or any regulated activity.
7.2. Output is provided for general information and to assist you only. You should obtain advice from a suitably qualified professional before making any decision that has legal, financial, tax or similar consequences. Any decision you take, and any AI Action you confirm, is your own.
8. Accuracy, verification & availability
8.1. The AI Services are provided on an “as is” and “as available” basis. To the fullest extent permitted by Applicable Law, and without prejudice to any rights you have under Applicable Law that cannot lawfully be excluded, we make no representation, warranty or guarantee that any Output will be accurate, complete, current, reliable, fit for any particular purpose, free from bias or error, or non-infringing.
8.2. Artificial intelligence can produce Output that is plausible but incorrect. You understand that it is your responsibility to check the accuracy of all Output and to validate it before relying on it or acting on it, and that Output should not be used as the sole basis for any decision without human review.
8.3. We do not warrant that the AI Services will be uninterrupted, timely or error-free. We may impose limits on the volume of Input or Output, or on the frequency of use, and may prioritise, queue or restrict requests to maintain the AI Services.
9. Acceptable use
9.1. You agree to use the AI Services only for lawful business purposes, in accordance with these Teya AI Terms, the Teya General Terms, the relevant Additional Terms and all Applicable Law. You are responsible for all content and activity associated with your use of the AI Services.
9.2. You must not, and must not permit any Authorised User or third party to, use the AI Services to:
(a) generate, submit or disseminate content that is unlawful, fraudulent, deceptive, misleading, defamatory, obscene, harassing, hateful, discriminatory or otherwise objectionable, or that would be unlawful under the Online Safety Act 2023 or other Applicable Law;
(b) create content that infringes or misappropriates the intellectual property, confidentiality, privacy or other rights of any person;
(c) present Output as human-generated where doing so would mislead, or make any false or misleading claim about the AI Services or their Output, including in a manner that would breach the Digital Markets, Competition and Consumers Act 2024 or other consumer-protection law;
(d) make, or seek to influence, any decision about a person in a way that unlawfully discriminates against them contrary to the Equality Act 2010;
(e) impersonate any person or misrepresent your affiliation with any person;
(f) upload or transmit any virus, malware or other harmful or disruptive code, or attempt to gain unauthorised access to, disrupt, reverse engineer or circumvent the AI Services or their security;
(g) use the AI Services to develop or improve any competing product or service; or
(h) otherwise use the AI Services in any way that could expose Teya, its customers or any other person to harm or liability.
9.3. Although we have no obligation to monitor AI Content, we may review, screen and remove AI Content, and may monitor use of the AI Services, to detect and prevent fraud, misuse, security or financial-crime risks, or breaches of these Teya AI Terms. We may suspend, restrict or terminate your access to the AI Services, in whole or in part, at our discretion, where we identify any such misuse, in accordance with section 14.
10. No model training
10.1. We will not use your Input or Output to train, fine-tune or otherwise develop artificial-intelligence or machine-learning models that are made generally available to other customers or to the public, other than models or features used to provide the AI Services to you. Our use of your data is otherwise as described in our Privacy Policy and the Data Protection Addendum.
10.2. You agree that you will not use the AI Services, or any Input, Output or other information derived from them, to create, train, test or improve any artificial-intelligence or machine-learning model, algorithm, architecture or weights, whether your own or a third party's.
11. Data protection & AI Service Providers
11.1. Our processing of personal data in connection with the AI Services is described in our Privacy Policy and governed by the Data Protection Addendum. As set out in the Data Protection Addendum, the parties act as independent Controllers in respect of the relevant processing, and neither party appoints the other as its Processor.
11.2. To provide the AI Services, we use technology supplied by one or more AI Service Providers. Input, which may include personal data you choose to include, may be shared with an AI Service Provider to the extent necessary to provide the functionality you request. Where Teya determines the purposes and means of that processing, the AI Service Provider acts as Teya's processor or service provider (and not as a sub-processor of yours). Our Privacy Policy identifies, and describes our use of, AI Service Providers.
11.3. The AI Services are operated by you and do not make decisions about you that produce legal or similarly significant effects concerning you. We do not use the AI Services to take solely automated decisions of that kind about you within the meaning of the UK GDPR (including Articles 22A to 22D of the UK GDPR as amended). Where any such decision were ever to be made, we would apply the safeguards required by Applicable Law, including providing information about the decision and the ability to make representations, to obtain human intervention and to contest it.
11.4. We recommend that you provide your own Customers and Authorised Users with appropriate transparency information where you use the AI Services to process their personal data.
12. Fees
12.1. Unless we tell you otherwise, the AI Services are made available without a separate Fee. Where an AI Action uses another Service that carries a Fee (for example, a payment, a Refund, or an order of Teya Hardware), the Fees for that Service apply as set out in the relevant Additional Terms and our pricing.
12.2. We may introduce, vary or remove Fees for the AI Services, or make particular features conditional on a Membership Plan, by giving notice in accordance with the Teya General Terms.
13. Liability
13.1. Nothing in these Teya AI Terms excludes or limits any liability that cannot lawfully be excluded or limited, including liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or any statutory rights or remedies you have under Applicable Law that may not be excluded.
13.2. Subject to section 13.1, and without prejudice to the allocation of liability for payment transactions under the Payment Terms and the Business Account Terms, the limitations and exclusions of liability in the Teya General Terms apply to your use of the AI Services. In particular, and to the fullest extent permitted by Applicable Law, we are not liable for any loss arising from: (a) your reliance on Output that you have not verified; (b) any AI Action you have confirmed; (c) inaccuracy, incompleteness or unavailability of Output; or (d) your failure to review an AI Action before confirming it as required by section 5.2.
13.3. You are responsible for your use of the AI Services and remain responsible for the accuracy of any AI Action you confirm. The indemnity in the Teya General Terms applies to your use of the AI Services, including to any AI Content and any breach of these Teya AI Terms.
14. Suspension & termination
14.1. We may suspend, restrict or terminate your access to the AI Services, in whole or in part, at any time in accordance with the Teya General Terms, including where we reasonably consider it necessary to protect you, us, our customers or a third party, to comply with Applicable Law, or to address a suspected breach of these Teya AI Terms, fraud, or a security or financial-crime risk.
14.2. Termination of the AI Services does not affect the Services underlying any AI Action already executed, which remain governed by their own Additional Terms.
15. Amendments
15.1. As detailed in the Teya General Terms, we may modify these Teya AI Terms by providing notice. An Amendment will become effective on the date stated in the Notice, and your continued use of the AI Services after that date constitutes your acceptance of the Amendment.
15.2. Where an Amendment is required to reflect a change in Applicable Law or to address a security or regulatory requirement, it may take effect with immediate effect or on shorter notice where permitted.
16. General
16.1. These Teya AI Terms are Additional Terms and form part of your agreement with Teya. They are to be read together with the Teya General Terms, the Data Protection Addendum and any other applicable Additional Terms.
16.2. The provisions of the Teya General Terms relating to assignment, entire agreement, governing law, jurisdiction, notices and other general matters apply to these Teya AI Terms.