Last updated: 6 October 2026
1. About these terms
These terms apply to the Fampy parent app, the Fampy Kids app (the “Apps”) and the website fampy.app. Fampy belongs to Yamsoft Ltd, a technology company in the United Kingdom (“Yamsoft”, “we”, “us”). By creating an account you accept these terms and our Privacy Policy.
2. Yamsoft is not a financial company
- Yamsoft is a technology company. It runs the Fampy platform and offers on it products of other companies, such as payment cards.
- Yamsoft is not a bank, an e-money institution or a payment institution, and does not hold or manage your money.
- Cards and payment services are provided by licensed third-party providers. The provider depends on where you live. Its own terms apply to the card and payment services it provides.
3. Who can use Fampy
- To open a parent account, you must be at least 18 and able to enter into a contract.
- A parent can link their children to their account. Children use the Kids app under the parent’s responsibility and supervision.
- You must give true and up-to-date information.
4. Identity verification
To comply with anti-money-laundering law, you may be asked to verify your identity (KYC) at any time, for example before or after ordering a card or topping up. If you don’t complete the check, or it fails, your account may be limited or closed.
5. Cards
- Fampy cards are prepaid cards issued by a licensed third-party provider. They are not credit cards: only money loaded onto a card can be spent.
- The provider’s cardholder terms also apply to the cards. If they conflict with these terms on card matters, the provider’s terms prevail.
- You can block and unblock a card in the app. If a card or phone is lost or stolen, block the card straight away and contact us.
6. Fees
The fees for cards and top-ups are shown in the app before you pay. The monthly fee is charged in advance each month. You can stop it by closing the card or your account. Fees already paid are not refunded, except where the law requires it.
Invite a friend: parents can invite other parents with their own invite code from the parent app and earn on the friends’ cards. The Invite a friend terms apply to it.
7. Using Fampy properly
You must not use Fampy for anything illegal or fraudulent, including money laundering, terrorist financing or avoiding sanctions. Transactions may be refused, held or reversed, and accounts suspended or closed, if misuse is suspected or the law requires it.
8. Disputes about transactions
If you see a transaction you don’t recognise, tell us within 13 months of the date it happened. We will investigate it together with the card provider.
9. Closing your account
You can close your account at any time in the parent app (Profile → Delete account) or by emailing [email protected]. Any money left on your cards is returned to you. Some data is kept where the law requires it (see the Privacy Policy).
We may close an account with 2 months’ notice, or immediately in the cases described in section 7.
10. Liability
We provide the Apps with reasonable care and skill. To the extent permitted by law, we are not liable for indirect or unforeseeable losses, or for losses caused by events outside our control. Card and payment services are the responsibility of the provider that provides them. Nothing in these terms limits liability that cannot be limited by law, or your rights as a consumer.
11. Changes to these terms
We may change these terms. We will tell you in the Apps at least 30 days before important changes take effect. If you don’t agree, you can close your account before then.
12. Law and courts
These terms are governed by the law of England and Wales. If you are a consumer, you also keep the protection of the law of the country where you live, and you can bring a claim in your local courts.
13. Contact
[email protected] – Yamsoft Ltd, United Kingdom.