End-user License Agreement



1.1.             By clicking “Accept”, downloading, reproducing or using the Bliss  Application (the “App”) you are agreeing to the following terms, including those available by HyperLink, which will bind you.

If you do not agree to these terms, do not use this App and click on the “Reject” button below.

2. Who we are and what this agreement does

2.1.             We are Pro-Vision Lifestyles Limited (Company No. 11850634) of 1 High Street, Thatcham, Berkshire, RG19 3JG. We license you to use:

the App and any updates or supplements to it;

2.2.             the services provided through the application software (Service); and

the related electronic documentation (Documentation); as permitted in these terms.

3. Your privacy

3.1.             We only use any personal data we collect through your use of the App and the Services in the ways set out in our privacy policy.

Please be aware that internet transmissions are never completely private or secure and that any message or information you send using the App or any Service may be read or intercepted by others, even if there is a special notice that a particular transmission is encrypted.

4. OTHER terms also apply

4.1.             The ways in which you can use the App and Documentation may also be governed by rules and policies of Pro-Vision Lifestyles Ltd, including their Privacy Policy and Website Terms and Conditions.

5. Support for the App and how to tell us about problems

5.1.             Support. If you want to learn more about the App or the Service or have any problems using them please contact our support resources at info@pro-visionlifestyles.com .

Contacting us (including with complaints). If you think the App or the Services are faulty or misdescribed or wish to contact us for any other reason please email our customer service team at info@pro-visionlifestyles.com.

5.2.             How we will communicate with you. If we have to contact you we will do so by email using the contact details you have provided to us.

6. How you may use the App

6.1.             In return for your agreeing to comply with these terms you may:

6.1.1.         download or stream a copy of the App and view, use and display the App and the Service on such devices for your personal purposes only;

use any Documentation to support your permitted use of the App and the Service; and

6.1.2.         receive and use any free supplementary software code or update of the App incorporating “patches” and corrections of errors as we may provide to you.

7. You must be 18 to accept these terms and buy the app

7.1.             You must be 18 or over to accept these terms and use the App.

8.                  You may not transfer the App to someone else

8.1.             We are giving you personally the right to use the App and the Service as set out above at Clause 6. You may not otherwise transfer the App or the Service to someone else, whether for money, for anything else or for free. If you sell any device on which the App is installed, you must first remove the App from it.

9. Changes to these terms

9.1.             We may need to change these terms to reflect changes in law or best practice or to deal with additional features which we introduce.

We will give you at least 30 days’ notice of any change by sending you an email with details of the change or notifying you of a change when you next start the App.

9.2.             If you do not accept the notified changes you will not be permitted to continue to use the App and the Service.

10. Update to the App and changes to the Service

10.1.           From time to time we may automatically update the App and change the Service to improve performance, enhance functionality, reflect changes to the operating system or address security issues. Alternatively, we may ask you to update the App for these reasons.

If you choose not to install such updates or if you opt out of automatic updates you may not be able to continue using the App and the Services.

11. If someone else owns the phone or device you are using

11.1.           If you download or use the App onto any phone or other device not owned by you, you must have the owner’s permission to do so. You will be responsible for complying with these terms, whether or not you own the phone or other device.

12. We may collect technical data about your device

12.1.           By using the App or any of the Services, you agree to us collecting and using technical information about the devices you use the App on and related software, hardware and peripherals to improve our products and to provide any Services to you.

13. We may collect location data (but you can turn location services off)

13.1.           If you use these Services, you consent to us and our affiliates’ and licensees’ transmission, collection, retention, maintenance, processing and use of your location data and queries to provide and improve location-based products and services.

You may stop us collecting such data at any time by requesting that this not used by email to info@pro-visionlifestyles.com

14. We are not responsible for other websites you link to

14.1.           The App or any Service may contain links to other independent websites which are not provided by us. Such independent sites are not under our control, and we are not responsible for and have not checked and approved their content or their privacy policies (if any).

You will need to make your own independent judgement about whether to use any such independent sites, including whether to buy any products or services offered by them.

15. Licence restrictions

15.1.           You agree that you will:

15.1.1.      except in the course of permitted sharing not rent, lease, sub-license, loan, provide, or otherwise make available, the App or the Services in any form, in whole or in part to any person without prior written consent from us;

not copy the App, Documentation or Services, except as part of the normal use of the App or where it is necessary for the purpose of back-up or operational security;

15.1.2.      not translate, merge, adapt, vary, alter or modify, the whole or any part of the App, Documentation or Services nor permit the App or the Services or any part of them to be combined with, or become incorporated in, any other programs, except as necessary to use the App and the Services on devices as permitted in these terms;

not disassemble, de-compile, reverse engineer or create derivative works based on the whole or any part of the App or the Services nor attempt to do any such things, except to the extent that (by virtue of sections 50B and 296A of the Copyright, Designs and Patents Act 1988) such actions cannot be prohibited because they are necessary to decompile the App to obtain the information necessary to create an independent program that can be operated with the App or with another program (Permitted Objective), and provided that the information obtained by you during such activities:

(a)               is not disclosed or communicated without the Licensor’s prior written consent to any third party to whom it is not necessary to disclose or communicate it in order to achieve the Permitted Objective; and

is not used to create any software that is substantially similar in its expression to the App;

(b)               is kept secure; and

is used only for the Permitted Objective;

15.1.3.      comply with all applicable technology control or export laws and regulations that apply to the technology used or supported by the App or any Service.

16. Acceptable use restrictions

16.1.           You must:

16.1.1.      not use the App or any Service in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these terms, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, such as viruses, or harmful data, into the App, any Service or any operating system;

not infringe our intellectual property rights or those of any third party in relation to your use of the App or any Service, including by the submission of any material (to the extent that such use is not licensed by these terms);

16.1.2.      not transmit any material that is defamatory, offensive or otherwise objectionable in relation to your use of the App or any Service;

not use the App or any Service in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users; and

16.1.3.      not collect or harvest any information or data from any Service or our systems or attempt to decipher any transmissions to or from the servers running any Service.

17. Intellectual property rights

17.1.           All intellectual property rights in the App and the Documentation throughout the world belong to us and the rights in the App are licensed (not sold) to you. You have no intellectual property rights in, or to, the App, or the Documentation other than the right to use them in accordance with these terms.

18. Our responsibility for loss or damage suffered by you

18.1.           We are responsible to you for foreseeable loss and damage caused by us. If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking these terms or our failing to use reasonable care and skill but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time you accepted these terms, both we and you knew it might happen.

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 or for fraud or fraudulent misrepresentation.

18.2.           When we are liable for damage to your property. If defective digital content that we have supplied damages a device or digital content belonging to you, 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.

We are not liable for business losses. The App is for domestic and private use. If you use the App for any commercial, business or resale purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

19. Limitations to the App and the Services.

19.1.           Although we make reasonable efforts to update the information provided by the App and the Service, we make no representations, warranties or guarantees, whether express or implied, that such information is accurate, complete or up to date.

This App offers information about investing and saving and includes a lifetime cashflow calculator.  Please note that any information or calculations given are for guidance and illustrative purposes only and do not constitute financial advice. Furthermore, no warranty can be given as to the currency of the general information on this site or its applicability to individual circumstances. Do not make any major financial decisions without consulting a qualified specialist.

19.2.           Please back-up content and data used with the App. We recommend that you back up any content and data used in connection with the App, to protect yourself in case of problems with the App or the Service.

Check that the App and the Services are suitable for you. The App and the Services have not been developed to meet your individual requirements. Please check that the facilities and functions of the App and the Services meet your requirements.

19.3.           We are not responsible for events outside our control. If our provision of the Services or support for the App or the Services is delayed by an event outside our control then we will contact you as soon as possible to let you know and we will take steps to minimise the effect of the delay. Provided we do this we will not be liable for delays caused by the event  but if there is a risk of substantial delay you may contact us to end your contract with us and receive a refund for any Services you have paid for but not received.

20. We may end your rights to use the App and the Services if you break these terms

20.1.           We may end your rights to use the App and Services at any time by contacting you if you have broken these terms in a serious way.

If we end your rights to use the App and Services:

20.1.1.      You must stop all activities authorised by these terms, including your use of the App and any Services.

You must delete or remove the App from all devices in your possession and immediately destroy all copies of the App which you have and confirm to us that you have done this.

20.1.2.      We may remotely access your devices and remove the App from them and cease providing you with access to the Services.

21. We may transfer this agreement to someone else

21.1.           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.

22. You need our consent to transfer your rights to someone else

22.1.           You may only transfer your rights or your obligations under these terms to another person if we agree in writing.

23. No rights for third parties

23.1.           This agreement does not give rise to any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this agreement.


24.1.           Each of the paragraphs of these terms 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.


25.1.           Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date.


26.1.           These terms are governed by English law and you can bring legal proceedings in respect of the App in the English courts.

27. Entire agreement

27.1.           This agreement constitutes the entire agreement between the parties and supersedes and extinguishes all previous agreements, promises, assurances, warranties, representations and understandings between them, whether written or oral, relating to its subject matter.

Each party agrees that it shall have no remedies in respect of any statement, representation, assurance or warranty (whether made innocently or negligently) that is not set out in this agreement. Each party agrees that it shall have no claim for innocent or negligent misrepresentation or negligent misstatement based on any statement in this agreement.