Terms and Conditions


These terms tell you the rules for using our website www.pacco.app (our site) and application.
1. Who we are and how to contact us

Thanks for using Pacco ltd’s website (www.pacco.app), mobile applications, and browser extension (individually and collectively, the “Services”). www.pacco.app is a site operated by Pacco Ltd. (”We”). We are registered in England and Wales under company number 11821831 and have our registered office located at Ground Floor, Building L14, London Road Campus, Acacia Road, Reading RG1 5AQ.

To contact us, please email [email protected] or telephone our customer service line on 020 3432 4558.

By using our site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms, you must not use our site.
We recommend that you print a copy of these terms for future reference.


2. Other terms that may apply to you

These terms of use refer to the following additional terms, which also apply to your use of our site:
Our Privacy Policy.


3. Who can use the services?

You must be an individual 18 years of age or older to use the Services.

You must enroll to use the Services using our Sites or mobile applications.

We reserve the right to refuse access to the Services or to cancel your account at any time. By using the Services, you represent and warrant that information you submit is true and accurate, that you are 18 years of age or older, and that you are fully able and competent to enter into and abide by these Terms. The Services are not intended for those under the age of 18. Use of the Services is void where prohibited.



4. How the Services Work.

We consolidate shopping history in a single password-protected online interface, a platform that uses machine learning to ensure customers are receiving full protections available under consumer rights legislation.

We track customer policies at companies, entities, or other organizations that are retailers, online sellers, or merchants engaged in ecommerce (“Merchant(s)”). If we detect potential savings or refund opportunities based on your purchase history, we will either correspond with Merchants on your behalf using your name and email address to attempt to get you the benefit directly, or we will provide you with instructions on how you can contact the Merchant to obtain the benefit. Where Pacco Ltd corresponds with Merchants directly on your behalf, you authorize Pacco Ltd to act as your agent in performing this Service.

From time to time, if we detect that your purchase was not shipped in the time and manner that a Merchant promised you, we may notify you of the claim opportunity or offer to correspond with the Merchant on your behalf.

In order to receive a benefit, your purchase must meet the Merchant’s policy requirements.

If you accept our offer to provide this Service, you agree that you will accept any resolution we obtain as final.

The Services provided by Pacco Ltd are not affiliated with the Merchants from which we seek refunds and other benefits. We are not responsible for the Merchants’ actions, interpretation, and/or application of their policies, or their failure to issue a refund or other resolution that you believe is owed.

By registering for the Services, you are required to link your personal email account, such as Google, Yahoo! and Microsoft, and/or other Merchant accounts, such as Amazon (“Linked Accounts”) to the Services. You represent that your Linked Account belongs to you, and you are permitted to link to it. You may unlink your personal email account or other Merchant accounts at any time. Unlinking an account may mean you will no longer be provided with potential refund or savings opportunity notices, but unlinking will not close your account.

In order to identify potential savings opportunities for you, we will review certain contents of your Linked Accounts, including receipts, correspondence, and contact information. We may send bots to your Linked accounts for purchasing information. Not all purchases may be detected, and Pacco Ltd is not responsible for any missed refund or compensation opportunities.

You authorise Pacco Ltd to store images, warranty and other information to provide advisory in event of product breakdown and analytics of purchasing patterns for product and other recommendations should you desire to activate this service.

Periodically, you may be required to re-consent to the Services having access to your inbox. Additionally, Pacco Ltd might lose access to your inbox under certain circumstances, such as if you change your email password. If the Services lose access to your inbox, Pacco Ltd may not be able to provide some of the Services outlined in these Terms. We may notify you and request that you grant the Services access to your inbox.

You are solely responsible for all activities that occur through your Linked Account. You shall not use the Services for any illegal or unauthorized purpose. You shall not abuse, harass, threaten, harm or impersonate other Service users at any time or for any reason.



5. We may make changes to these terms

We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time. These terms were most recently updated on 27 January 2020.


6. We may make changes to our site  

We may update and change our site from time to time to reflect changes to our products, our users’ needs and our business priorities. We will try to give you reasonable notice of any major changes.


7. We may suspend or withdraw our site

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.
You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.



8. We may transfer this agreement to someone else

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.


9. You must keep your Linked Account details safe

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.
If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at [email protected]



10. How you may use material on our site

We are the owner or the licensee of all intellectual property rights in our site. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

The proprietary software associated with www.pacco.app (including any enhancements or modifications and any related documentation) (the “Software”) is a copyrighted work. Subject to your compliance with these Terms and Conditions, and in consideration of your promises reflected in these Terms and Conditions, Pacco Ltd grants you a personal, non-commercial, non-exclusive, non-assignable, non-sublicensable, non-transferable, revocable license to download, install, and use the application to and on computers controlled by you and to use the Software solely as permitted under these Terms and Conditions.

All rights not expressly granted to you by the foregoing sentence are reserved by Pacco Ltd. Without limiting the generality of the foregoing, you may not copy, modify, distribute, reverse engineer, decompile, or disassemble the Software or any other technology relating to www.pacco.app.
You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.
You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.


11. We are not responsible for websites we link to

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over the contents of those sites or resources.


12. Responsibility for loss or damage suffered by you

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

Please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

If defective digital content that we have supplied, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.

You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.



13. How we may use your personal information

We will only use your personal information as set out in our Privacy Policy.


14. Rules about linking to our site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link to our site in any website that is not owned by you.
We reserve the right to withdraw linking permission without notice.
If you wish to link to or make any use of content on our site other than that set out above, please contact [email protected]



15. Complaints

Pacco Ltd has designated an agent to receive notifications of alleged copyright infringement. If you believe that your work has been used in a way that constitutes copyright infringement, please send a notice to [email protected], including all of the following information: (1) a description of the work allegedly infringed; (2) a description of the location of the allegedly infringing work, including the URL; (3) your name, address, telephone number, and email address; (4) a statement signed by you that you have a good faith belief that the disputed use is unauthorized under current law; and (5) a statement signed by you that you believe, under penalty of perjury, that your allegations are true and that you are the copyright owner or acting on behalf of the copyright owner with their authorization.


16. Compliance

You are solely responsible for determining and paying the appropriate government taxes, fees, and service charges.

We are not responsible for collecting, reporting, paying, or remitting to you any of those taxes, fees, or service charges, except as may otherwise be required by law. You acknowledge that, except to the extent required by applicable law, Pacco Ltd does not collect taxes for remittance to applicable taxing authorities in connection with purchased products.



17. Disclaimer of warranties.

Your use of the Services is at your sole risk. The services are provided on an “as is” and “as available” basis. Pacco Ltd, our affiliates and licensors expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant uninterrupted use or operation of the services or that any data sent by or to you will be accurate, complete, transmitted in uncorrupted form, or transmitted within a reasonable amount of time. We do not warrant that the services will be available at any particular time or location, that the services will be secure, that any defects or errors will be corrected, or that the Services are free of viruses or other harmful components.

We do not guarantee that our site will be secure or free from bugs or viruses.

Your sole remedy in the event of any deficiency, error, or inaccuracy in the Services shall be to request that we correct the matter or, if we fail to do so, to discontinue your use of the Services. You will be solely responsible for any delay or loss of any kind that results from your access or use of the Services, including loss or harm to your computer or mobile device.

Notwithstanding anything written or implied in the Services, We do not guarantee that products offered through the Services will be sold at the lowest price compared to all other vendors of the same products or with the most favorable shipping and handling fees or shipment times.



18. Indemnity

You agree to indemnify, defend, and hold harmless Pacco Ltd, its affiliates and subsidiaries and their respective officers, directors, employees, agents, successors, assigns, and our licensors and suppliers from and against any and all losses and threatened losses, including attorney's fees, arising from, in connection with, or based on allegations whenever made of, any of the following: your breach of these Terms, your use of the Services, any claim that your use of the Services violates any applicable law, any claim arising out of your negligent acts or omissions, and your violation of any rights of a third party, including intellectual property rights. This obligation will survive any termination of these terms or your Linked Account. You will cooperate fully as reasonably required in defense of any claim identified under this section.


19. Feedback

If you provide feedback to Pacco Ltd regarding the Services (“Feedback”), you acknowledge that the Feedback is not confidential and you authorize Pacco Ltd to use that Feedback without restriction and without payment to you. Accordingly, you hereby grant to Pacco Ltd a nonexclusive, royalty-free, fully-paid, perpetual, irrevocable, transferable, and fully sub-licensable right to use the Feedback in any manner and for any purpose.

20. Which country’s laws apply to any disputes?
If you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.
If you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

Our trademarks are registered. You are not permitted to use them without our approval, unless they are part of material you are using as permitted under - How you may use material on our site.