Aspora Bridge terms of use
(Last updated on September 18, 2026)
These Terms of Use (the “Terms”) govern your access to and use of Aspora Bridge. By signing in to, or otherwise using, Aspora Bridge, you agree to these Terms and to our Privacy Policy (here), which explains how we handle your personal information. If you do not agree, please do not use Aspora Bridge.
1. About these Terms and who we are
1.1 Aspora Bridge is provided by the Aspora group of companies. The company you contract with (the “provider”) is determined by your country of residence as recorded when you onboard to Aspora Bridge (your “registered market”):
| Market | Provider entity | Registered address |
|---|---|---|
| United Kingdom | Real Transfer Limited | Office 8, Merrion Business Centre, 58 Howard Street, Belfast, Northern Ireland, BT1 6PJ |
| United Arab Emirates | Vance Technologies Limited | Gate Avenue–South Zone, Unit 208, Level 1, Dubai International Financial Centre, Dubai, 00000, Dubai |
| USA | Vance Money Services LLC | 838 Walker Road, Suite 21-2, Dover, Kent, Delaware 19904, USA |
| India | Aspora Technology Services Private Limited | 38, 1st Floor, Aswini Layout, 2nd Main, Egipura, Viveknagar, Bangalore, Bangalore South, Karnataka 560047, India |
Your registered market does not change simply because you travel to, or access Aspora Bridge from, another country. If your country of residence changes, you must update your details in the app or tell us. When we offer Aspora Bridge in your new country of residence, we will notify you before your registered market and provider entity change, and the provider, Terms and governing law for that market will then apply to your use from the date we tell you. Where we do not offer Aspora Bridge there, we may suspend or end your access as set out in the section headed “Availability, changes and suspension”.
In these Terms, “Aspora”, “we”, “us” and “our” mean the provider for your registered market. Aspora Bridge is a feature that helps you see and organise your finances; it is separate from any regulated banking, e-money or remittance service you may use. Those regulated services are governed by their own account terms, and where those account terms conflict with these Terms in respect of a regulated service, the account terms govern that service.
2. Who can use Aspora Bridge
2.1 To use Aspora Bridge you must be at least 18 years old (or the higher minimum age at which, in your country of residence, you can lawfully consent to the processing of your personal data), have the legal capacity to enter into these Terms, and be resident in a country where we offer Aspora Bridge. You agree to provide accurate information, to keep it up to date, and to use Aspora Bridge only for your own personal, non-commercial purposes unless we agree otherwise in writing. Aspora Bridge is not offered to children, and we do not knowingly process a child’s personal data through it.
3. What Aspora Bridge is and is not
3.1 Aspora Bridge brings together financial information from documents you connect — including, where you choose, documents in your Gmail — and presents it as a view of your net worth across the countries where you hold money. It can also help prepare the documents you need when opening an account or setting up a transfer. We may provide additional services or add-ons on Aspora Bridge to your benefit from time to time which will be intimated to you from time to time on our application platform. Where a new service or feature would require access to categories of your data beyond those you have already agreed to, or would use your data for a new purpose, we will ask for your consent to that access or purpose separately before it begins.
Aspora Bridge is an informational and record-keeping feature only. It is not, and we do not hold ourselves out as providing through it, an account information service or any other payment service, investment advice or any personal recommendation, insurance distribution or intermediation, or tax, accounting, legal or regulatory advice, and it is not a recommendation to take or refrain from any action. The figures it shows are derived automatically from third-party documents and may be incomplete, delayed, mis-classified or otherwise inaccurate. You are responsible for your own financial decisions, and you should verify any figure against the original source and seek professional advice where appropriate. Figures may appear accurate because of the level of detail or precision in which they are displayed and still be materially wrong. You must not use any figure or document produced by Aspora Bridge as evidence of your income, assets or net worth in order to obtain credit or a loan, for a visa or immigration application, for a tax return or other regulatory filing, or in legal proceedings.
Where Aspora Bridge shows a net-worth or consolidated position, balances are taken from documents issued or received at different dates and may not be contemporaneous; assets or liabilities not covered by the documents you connect will be missing; the same asset or liability may be counted more than once where it appears in more than one document; amounts converted into a single currency use foreign-exchange rates that may be indicative, delayed or rounded; and the classification of items is automated. We do not verify the existence, ownership, value or enforceability of any underlying asset or liability. Any total shown is an estimate for information only and should not be relied on for tax, regulatory, lending or other purposes.
4. Connecting your Google account
4.1 Connecting your Google account is optional. Accepting these Terms is not your consent to that access: we ask for it separately in the app, immediately before you are taken to Google’s own consent screen, and you give it by a separate affirmative act. If you connect it, you grant Aspora Bridge read-only access to your Gmail to locate and read the categories of documents described in our Privacy Policy, and nothing more. You confirm that you are entitled to grant this access for the account you connect. You should connect only a mailbox that is your own. We search only for the categories of documents needed for Aspora Bridge, and we do not retain messages that fall outside them. You can disconnect at any time from within the app, or review and revoke access from your Google account at myaccount.google.com/permissions. Our use of information received from Google APIs is governed by our Privacy Policy and by the Google API Services User Data Policy, including its Limited Use requirements.
5. Data access, use, retention and deletion
5.1 This section summarises how we access, use, retain and delete the data used by Aspora Bridge. Fuller detail — including the legal grounds we rely on, the categories of recipients and your rights — is set out in our Privacy Policy, which prevails if there is any inconsistency with this section.
5.2 Gmail source data. We do not take or keep a copy of your mailbox. Access is read-only and limited to identifying the categories of documents described in our Privacy Policy. We do not download, store or index your mailbox as a whole.
5.3 Documents retrieved from Gmail. Documents we retrieve are held only for as long as we need to extract financial information from them and are then deleted.
5.4 Extracted financial information. The financial information extracted from those documents is retained while your Aspora Bridge remains open, so that we can show you your position.
5.5 Derived Bridge data. Net-worth calculations, categorisations and other data we derive are retained while your Aspora Bridge remains open and may be retained in aggregated or anonymized form that cannot reasonably be used to identify you.
5.6 Access tokens. Credentials and access tokens for connected accounts are held in encrypted form only while the connection is live and are revoked and deleted when you disconnect.
5.7 Backups. Deleted data may persist in routine backups for a limited period until it is overwritten in the ordinary backup cycle. It is not returned to active use.
5.8 Legal and audit records. We keep a minimum record of consents, connection and disconnection events and deletion requests for as long as we are required to by applicable law, regulation or the defence of legal claims. We keep only what is necessary for that purpose.
If you disconnect Gmail. We stop accessing your Gmail, revoke and delete the associated tokens, and retrieve no further documents. Information already extracted, and the views derived from it, remain visible to you until you ask us to delete them or you close Aspora Bridge. Where the law applying to you requires us to erase your data when you withdraw a consent on which our processing depended, we will instead delete the extracted and derived data when you disconnect, unless you ask us to keep it or we are required to retain it by law.
If you close Aspora Bridge. We will revoke any remaining access and delete or anonymise your extracted and derived data in accordance with applicable laws and regulatory requirements in the relevant jurisdiction. Closing Aspora Bridge does not close any regulated account you hold with us; those accounts are governed by their own account terms.
Service providers and international processing. To provide Aspora Bridge we share data with the categories of service providers described in our Privacy Policy, including our hosting and document-extraction providers. Each of them acts on our instructions under a written contract that requires it to keep your data secure and confidential and to use it only to provide Aspora Bridge. Because the Aspora group operates across the United Kingdom, the United Arab Emirates, USA, India and other markets, your data may be processed in, or accessed from, a country other than your registered market. Where that happens, we put in place the safeguards required by the data-protection law applying to you. Our Privacy Policy sets out the categories of recipients, the processing locations and transfer safeguards, the legal grounds for processing, your rights in relation to your data and how to exercise them, and our contact details for data-protection matters.
6. Your responsibilities and acceptable use
6.1 You are responsible for keeping your login credentials secure and for activity that takes place under your account. When using Aspora Bridge you agree that you will not:
(a) use it for any unlawful, fraudulent or unauthorised purpose, or in breach of these Terms;
(b) access, connect or upload data you do not have the right to access, connect or upload;
(c) attempt to interfere with, disrupt, probe or gain unauthorised access to our systems or to other users’ data;
(d) copy, scrape, reverse-engineer, decompile or create derivative works from Aspora Bridge, except to the extent the law does not allow this to be restricted; or
(e) introduce malware, or use Aspora Bridge in a way that could damage, disable or impair the service.
7. Third-party services
7.1 Aspora Bridge relies on third-party services, including Google, your banks and financial institutions, AI model providers and the service providers described in our Privacy Policy. Your use of those third-party services is subject to their own terms and privacy policies. We are not responsible for third-party services, for their availability, or for the accuracy of the documents and data they provide.
8. Intellectual property
8.1 Aspora Bridge, and all software, content, trademarks and other materials we provide, belong to us or our licensors. We grant you a limited, personal, non-exclusive, non-transferable and revocable licence to use Aspora Bridge in accordance with these Terms. The information and documents you connect remain yours; you grant us the permissions we need to process them in order to provide Aspora Bridge, as described in our Privacy Policy.
9. Fees
9.1 Aspora Bridge is provided on the basis set out in the app. Any fees for regulated banking, e-money or remittance services are set out in, and governed by, the account terms for those services, not by these Terms.
10. Availability, changes and suspension
10.1 We aim to keep Aspora Bridge available, but we may change, suspend or withdraw features, or the whole service, where we reasonably need to — for example for maintenance, security, legal or commercial reasons. We may suspend or end your access to Aspora Bridge if you breach these Terms, if we are required to by law or a regulator, or where we reasonably believe this is necessary to protect you, other users or our platform. Before we do so we will, where it is reasonable and lawful, tell you in advance, give you our reason and give you an opportunity to put the matter right. We may act without advance notice where telling you would be unlawful, would prejudice an investigation or our obligations relating to financial crime, or would risk harm to you, to another person or to our platform. You can ask us to review any such decision using the contact details at the end of these Terms.
11. Disclaimers
11.1 We will provide Aspora Bridge with reasonable care and skill. Beyond that, and to the fullest extent permitted by the law of your registered market, Aspora Bridge is provided on an “as is” and “as available” basis and we do not warrant that it will be uninterrupted or error-free, or that the information it displays will be accurate, complete or up to date. Nothing in these Terms limits or excludes any liability that cannot be limited or excluded by law — including, where applicable, liability for death or personal injury caused by negligence, for fraud, or under mandatory consumer-protection law. These disclaimers apply only to the extent permitted by the law of your registered market and are subject to any mandatory consumer protections that apply to you in the United Kingdom, the United Arab Emirates, the United States or India.
12. Limitation of liability
12.1 To the fullest extent permitted by applicable law, we are not liable for any loss that was not reasonably foreseeable, any loss arising from your reliance on information provided through Aspora Bridge, or any indirect, incidental, special, punitive, or consequential loss. Aspora Bridge is an informational feature only. Any limitation of liability in this section applies only to Aspora Bridge and does not limit or affect our liability under the terms governing any regulated account or regulated service you hold with us.
Subject to applicable law, our total aggregate liability to you arising out of or in connection with Aspora Bridge is limited to USD 100.
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any mandatory consumer rights applicable in your jurisdiction. Where the law of your registered market does not permit an exclusion or limitation of liability, that exclusion or limitation will apply only to the extent permitted by that law.
13. Indemnity
13.1 To the extent permitted by law, and except where caused by our own breach or negligence, you agree to reimburse us for direct losses and reasonable costs we actually incur as a result of your fraud, your wilful misconduct or your deliberate breach of these Terms. We will tell you promptly of any claim to which this section relates and will take reasonable steps to limit the loss. This section does not apply to the extent it would remove or reduce your mandatory rights as a consumer, and does not apply at all where the law of your registered market does not permit such an obligation in a consumer contract.
14. Ending your use
14.1 You can stop using Aspora Bridge at any time, disconnect your Google account, and ask us to delete the data we hold, as described in our Privacy Policy. When your access ends we will delete the data we hold for Aspora Bridge, except that we will retain what we are required to retain by applicable law, regulation, or audit or compliance requirements, and we may retain data in an anonymised form that does not identify you for internal reporting. When your access ends, the licence granted to you stops, but any terms that by their nature should survive — including those on intellectual property, disclaimers, liability, indemnity and governing law — will continue to apply.
15. Changes to these Terms
15.1 We may update these Terms from time to time. If we make material changes, we will give you at least 30 days’ notice through the app or by other appropriate means and update the effective date above. If you continue to use Aspora Bridge after the changes take effect, you accept the updated Terms. Where a change would widen the data we access or use your data for a new purpose, we will ask for your consent to it separately.
16. Governing law and disputes
16.1 The law that governs these Terms, and the courts that have jurisdiction over disputes, depend on your registered market (as explained in the section headed “About these Terms and who we are”):
| Market | Governing law | Courts |
|---|---|---|
| United Kingdom | The laws of England and Wales. | The courts of England and Wales |
| United Arab Emirates | The laws of the Dubai International Financial Centre and, where applicable, the federal laws of the United Arab Emirates | The courts of the Dubai International Financial Centre |
| United States of America | The laws of the State of Delaware | The state and federal courts located in Delaware |
| India | The laws of India | The courts of Bengaluru, Karnataka |
Nothing in this section removes any right you have to bring a claim, or to rely on mandatory consumer-protection law, in the country where you live.
17. Other terms
17.1 These Terms, together with the Privacy Policy and any account terms for regulated services, form the entire agreement between you and us in respect of Aspora Bridge. If any part of these Terms is found to be unenforceable, the rest continues to apply. Our not enforcing a term is not a waiver of it. You may not transfer your rights under these Terms without our consent; we may transfer ours to another Aspora group company or successor, provided this does not reduce your rights.
18. How to contact us
18.1 If you have any questions about these Terms, contact us at help@aspora.com.