Terms and Conditions of Service and Use
Last updated: August 2026
If you're reading these terms and conditions (the “Terms and Conditions”), it means your employer has invited you to join the Thrive Platform (“Platform”) as an end user. You may also be accessing the Platform as an admin user, helping to manage your employer’s benefits programme (“Admin User”) or as an adviser helping your client manage its benefits programme (“Adviser”).
The Platform is operated by Thrive by Blackfinch Limited (“we”, “us”, “our”, “Thrive”). We are registered in England and Wales under company number 13734526. Our Platform is available via our website at: https://member.mythrive.co.uk, https://manage.mythrive.co.uk. https://broker.mythrive.co.uk and, if you are an end user, via our app (the “Thrive App”).
THESE TERMS AND CONDITIONS APPLY TO OUR PROVISION, AND YOUR ACCESS AND USE OF, THE PLATFORM AND THE SERVICES PROVIDED BY THRIVE IN CONNECTION WITH THE PLATFORM (“SERVICES”). BY TICKING THE BOX INDICATING YOUR ACCEPTANCE OF THESE TERMS AND CONDITIONS, YOU AGREE TO BE BOUND BY THEM. IF YOU DO NOT TICK THE BOX INDICATING YOUR ACCEPTANCE OF THESE TERMS AND CONDITIONS, YOU MAY NOT ACCESS OR USE THE PLATFORM OR THE SERVICES. BY ACCESSING OR USING THE PLATFORM OR THE SERVICES, YOU ARE DEEMED TO HAVE ACCEPTED THESE TERMS AND CONDITIONS WHETHER OR NOT YOU TICK THE ACCEPTANCE BOX.
1. Background
a. We work with a network of third parties (“Benefits Providers” and each a “Benefits Provider”) who provide employee benefit or reward-related products and/or services (“Benefits”) in order to bring you the Benefits, and the Platform may allow you to access, purchase or use Benefits provided by Benefits Providers. In most cases, your or your employer’s purchase of Benefits are made directly from the Benefits Provider, and not Thrive. However, in some cases, we may purchase Benefits from a Benefits Provider and provide them to you via the Platform.
b. These Terms and Conditions include our Acceptable User Policy which is found in the Schedule to these Terms and Conditions.
c. You must be 18 years or older to use the Platform.
2. INTELLECTUAL PROPERTY
a. In consideration of you agreeing to abide by the terms of these Terms and Conditions, we hereby grant to you a limited, non-exclusive, non-transferable, revocable licence, without the right to sub-license, to access and use the relevant areas of the Platform which we make available to you, the Services and the Documentation (as defined below) solely for the purpose of using the functionality that is made available to you via the Platform in accordance with these Terms and Conditions (“Licence”).
b. We are the owner (or the licensee) of all intellectual property rights in the Platform (and the underlying software), the Thrive App, the Services, the Documentation and in the content published on the Platform and/or provided by Thrive (“Content”). Those works are protected by intellectual property laws and treaties around the world. All such intellectual property rights are reserved, and you have no intellectual property rights in, or to, the Platform (or the underlying software), the Thrive App, the Services, the Documentation or the Content other than to use them in accordance with these Terms and Conditions and the Acceptable Use Policy.
3. WE MAY MAKE CHANGES
a. We may update these Terms and Conditions from time to time to reflect changes in law or best practice or to deal with additional features which we introduce.
b. We will give you at least 30 days’ notice of any material change to these Terms and Conditions by notifying you of a change via the Platform or the Thrive App.
c. If you do not accept the notified changes, you will not be permitted to continue to use the Platform, and you must stop using the Platform.
d. We may also update the Platform to improve functionality, introduce new features, benefits, or respond to feedback from users and partners.
e. We may remove, replace or add Benefits Providers and/or any other third-party providers from, on or to the Platform at any time, and we may, at any time, terminate your access to any product or service available on the Platform (e.g. if we no longer work with a Benefits Provider or other third party).
4. PLATFORM AVAILABILITY
a. While we strive to ensure the Platform is available whenever you need it, we cannot guarantee uninterrupted access. Like all internet-based services, occasional delays, outages, or technical issues may occur. We may also need to suspend, withdraw, or restrict access to the Platform temporarily — for example, for maintenance, upgrades, or security reasons. If we anticipate extended downtime, we’ll do our best to notify you in advance.
b. All Benefits offered through the Platform are subject to availability. We work hard to provide a wide and appealing selection of Benefits, but we rely on Benefits Providers to supply the underlying Benefits. This means we cannot guarantee that any specific Benefit will always be available or offered on the same terms. Your employer may also decide which Benefits are available to you (or their employees generally) via the Platform.
5. PLATFORM ACCOUNT ACCESS
a. To use the Platform, you’ll need to complete your registration and activate your account on the Platform (“User Account”). Some details (like your name and email address) may be provided by or on behalf of your employer, but we may ask for additional information to complete your setup.
b. It’s important that your User Account information remains accurate and up to date. If we find that any details are incorrect or misleading, we may suspend or cancel your User Account.
c. If you’re given or create login credentials (such as a password), you must keep them confidential. Do not share your login details with anyone or allow anyone else to use the Platform via your User Account. Your User Account is personal to you, and you should always log out when using a shared device.
d. If you know or suspect that anyone other than you knows your login details, you should contact us as soon as possible.
e. For security reasons, we may disable your login credentials or require you to reset your password if we suspect misuse on your User Account.
f. If your User Account or Licence is suspended or terminated (by us or your employer), you will still be able to use any Benefits that were purchased or ordered via the Platform before the suspension or termination date (and access to such Benefits will be provided via the relevant Benefits Providers). However, subject to clause 5g below, you will not be able to access new Benefits via the Platform or the Platform.
g. Notwithstanding the provisions of clause 10c, you may, in certain circumstances (depending on the particular Benefits which have been provided to you via the Platform), be able to continue accessing certain Benefits that were purchased or ordered via the Platform after our agreement with your employer ends or you are no longer employed or engaged by the
organisation that provided you with access to the Platform. Where you are permitted to continue accessing any Benefits in these circumstances, your User Account will not be deleted and these Terms and Conditions shall continue to apply to you. You can request to delete your User Account at any time after our agreement with your employer ends or you are no longer employed or engaged by the organisation that provided you with access to the Platform.
6. PLATFORM RESTRICTIONS
a. You agree that you will not:
i. copy, modify, duplicate, create derivative works from, frame, mirror,
republish, download, display, transmit, or distribute (or attempt to do any of the foregoing) all or any portion of the Platform (or any software
provided by us), the Services or any documentation made available by us in connection with the Platform (“Documentation”); or
ii. de-compile, reverse compile, disassemble, reverse engineer or otherwise reduce to human-perceivable form all or any part of the Platform (or any software provided by us) or the Services (or attempt to do any of the foregoing); or
iii. access all or any part of the Platform, the Services or the Documentation in order to build a competing product or service; or
iv. use the Platform, the Services and/or the Documentation to provide services to third parties; or
v. subject to clause 15b, license, sell, rent, lease, transfer, assign,
distribute, display, disclose, or otherwise commercially exploit, or otherwise make the Platform, the Services and/or the Documentation available to any third party; or
vi. attempt to access the source code for the Platform.
7. PLATFORM CONTENT
a. All content on our Platform and/or provided by Thrive (“Content”) is provided for general information only. Such Content is not intended to be professional advice or relied upon for decision-making. You are responsible for evaluating the accuracy, completeness and suitability of the content for your particular circumstances and you should seek advice from an appropriately qualified and regulated adviser where personal financial, legal or tax advice is required. Any financial decisions you make are at your own risk, and Thrive is not liable
to you in relation to any use or reliance on the Content by you.
b. While we aim to keep Content accurate and up to date, we make no guarantees or warranties (express or implied) that such Content is accurate, complete or up to date. We may also update, replace or withdraw Content from time to time.
c. Content provided by Benefits Providers, other users or other third parties whether via the Platform or otherwise is not verified or endorsed by Thrive. Their views do not necessarily reflect ours, and we cannot guarantee the accuracy or appropriateness of such Content.
d. We respect intellectual property rights — both ours and yours. Please see clause 2 and our Acceptable Use Policy for further information regarding intellectual property rights.
e. You acknowledge that certain features of the Platform may be provided using artificial intelligence technologies (“AI Technology”) and, to the extent that the Platform incorporates any such AI Technology, you acknowledge that, given the nature of AI Technology and the stage of its development:
i. any data, information or other content generated by AI Technology (“AI Outputs”) may be inaccurate, incomplete, misleading, biased, contains errors or omissions, or be based on incorrect assumptions, including as a result of so-called “hallucinations”;
ii. AI Outputs may not be unique;
iii. AI Outputs are provided for informational and assistance purposes only and you should not rely upon them as the sole basis for any decision, action or omission; and
iv. you should review and independently verify AI Outputs before relying on them.
f. You acknowledge that the AI Technology we incorporate in the Platform may include interactive AI Technology (such as chatbots and AI agents). Where required by law, we will inform you via the Platform when you are interacting directly with AI Technology rather than with a human representative.
8. ONLINE SECURITY
You must not misuse the Platform by introducing viruses, malware, or other harmful technologies. Attempting to gain unauthorised access to our systems or launching denial-of-service attacks is strictly prohibited and may constitute a criminal offence under the Computer Misuse Act 1990. If such activity is detected, we may report it to the relevant law enforcement authorities and notify your employer. Your Licence to the Platform will be terminated, and access to the Platform will be revoked, immediately.
9. OUR RESPONSIBILITY
a. We are responsible for any loss or damage you suffer that is a foreseeable result of our failure to comply with these Terms and Conditions or our failure to use reasonable care and skill. A loss or damage is considered foreseeable if it is an obvious consequence or if, at the time of entering into these Terms and Conditions, both you and we understood it might occur. We are not responsible for any loss or damage you suffer that is unforeseeable.
b. We do not exclude or limit our liability to you where it would be unlawful to do so. This includes liability for:
i. death or personal injury caused by our negligence; and
ii. fraud or fraudulent misrepresentation.
c. If our provision of the Platform, the Services or related support is delayed by an event outside of our control then we will contact your employer as soon as possible to let them know and we will take steps to minimise the effect of the delay. We will not be liable for delays caused by such events.
10. IF THINGS GO WRONG
a. If you experience any issues while using the Platform — whether related to accessing your User Account or using the Platform and the issue is within our control, we’ll do our best to resolve it quickly and efficiently. If the issue relates to Benefits provided by a Benefits Provider, you should contact the relevant Benefits Provider directly.
b. If we reasonably believe that you have breached these Terms and Conditions, we may take appropriate action, which could include:
i. issuing a formal warning to you and/or your employer;
ii. temporarily or permanently suspending, or terminating, your access to the Platform and the Licence;
iii. initiating legal proceedings, including seeking reimbursement for any costs incurred as a result of your breach (e.g. administrative or legal fees); and/or
iv. reporting the matter to law enforcement authorities and/or notifying your employer, where required or appropriate.
c. Subject to clause 5g, your access to the Platform will also be revoked and the Licence shall terminate immediately if:
i. our agreement with your employer ends; or
ii. you are no longer employed or engaged by the organisation that provided you with access to the Platform.
11. PERSONAL DATA
Under data protection legislation, where we are acting as a controller (as defined under applicable data protection legislation), we are required to provide you with certain information. Our Privacy Notice which is available on our website at www.mythrive.co.uk provides you with such information, including what personal data we collect, how we process it and other important data protection terms, including your rights in respect of your personal data. It is important that you read the information contained in the Privacy Notice.
12. BENEFIT SPECIFIC TERMS
a. Your employer, and where applicable, a third party (such as a benefits adviser or consultant), may provide and update information in the Platform about you and your workplace benefits, including personal data, total reward, eligibility information and benefit details. Thrive relies on that information and is not responsible for verifying that it is complete, accurate or up to date. If you believe any such information is incorrect, you should contact your employer or its benefits adviser directly.
b. Where you or your employer has a direct agreement with the Benefits Provider, the Benefits are provided by that Benefits Provider and Thrive’s role is limited to facilitating access to the Benefits (e.g., discounts, vouchers, offers). As such, the supply to you, and the use by you, of the Benefits, are subject to the relevant third-party terms and conditions of supply (in relation to each Benefit, the “Benefit Terms”), and Thrive is not a party to the Benefit Terms. The Benefit Terms may be shown on our Platform, on the Benefit Provider’s website or in the Benefit Provider’s terms and conditions. These may include expiry dates, location restrictions, or redemption limits. Before you confirm your selection, please read them carefully. We are not responsible for any losses or issues resulting from failure to comply with the Benefit Terms and cannot issue refunds in such cases.
c. Where you or your employer enters into Benefit Terms, as Thrive does not supply the underlying Benefits, it is not responsible for them including their availability, quality, or suitability. We are also not liable for any losses or damages resulting from a Benefits Provider’s failure to deliver the Benefits or comply with legal obligations. If you experience issues, please contact the Benefits Provider directly. We welcome feedback on Benefits Providers to help us maintain high standards in our partnerships.
d. In some circumstances, we may enter into Benefit Terms with Benefits Providers for the provision of Benefits to you. Where we make such Benefits available to you under the Benefit Terms, we will generally provide them on the same basis on which they are made available to us by the relevant Benefits Provider, and our liability to you in respect of any issue shall not exceed the amount of compensation that we receive from the Benefits Provider for that issue and allocate to you.
e. Some features of the Platform may depend on services provided by Benefits Providers. If those services become unavailable, are changed, suspended or withdrawn, certain features of the Platform may no longer be available or may not function as expected.
f. We may receive a commission, referral fee or other payment from Benefits Providers when you access or purchase Benefits through the Platform.
13. THIRD-PARTY SERVICES
a. The Platform may include, connect to or provide access to products, services, software or content provided by third parties (other than Benefits Providers) (“Third-Party Services”).
b. Third-Party Services are provided by independent third parties, and some features of the Platform may depend on those Third-Party Services and may be unavailable, interrupted or cease to function if the relevant Third-Party Service is changed, suspended or withdrawn.
c. Your use of certain Third-Party Services may be subject to separate terms and conditions imposed by the relevant third-party provider. Where this applies, you may need to accept those terms before you can use the relevant Third-Party Service.
d. We are not responsible for the content, functionality or performance of any Third-Party Service, or for any acts or omissions of a third-party provider.
e. Where a Third-Party Service is unavailable because you have not accepted the applicable third-party terms, or because the third-party provider has suspended or terminated the Third-Party Service, we may be unable to provide certain features of the Platform.
f. Where we make a Third-Party Service available to you, we will generally provide it on the same basis on which it is made available to us by the relevant third-party provider and our liability to you in respect of any issue shall not exceed the amount of compensation that we receive from the third-party provider for that issue and allocate to you.
14. WE ARE NOT RESPONSIBLE FOR WEBSITES WE LINK TO
Where our Platform contains links to other websites and resources provided by third parties (including by our partners), 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 websites or resources, and recommend that you refer to the relevant third parties’ terms and conditions and privacy policy prior to using the relevant third-party website.
15. GENERAL
a. We may transfer our rights and obligations under these Terms and Conditions to another organisation, for example, if our business is transferred or merged with another company. We’ll tell you in writing if this happens and we will ensure that the transfer will not affect your rights under these Terms and Conditions.
b. You may only transfer your rights or obligations under these Terms and Conditions to another person if we agree in writing.
c. These Terms and Conditions are between you and us. No other person shall have any rights to enforce any of these Terms and Conditions.
d. Each of the clauses of these Terms and Conditions operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining clauses will remain in full force and effect.
e. Even if we delay in enforcing these Terms and Conditions, we can still enforce them later. If we do not insist immediately that you do anything you are required to do under these Terms and Conditions, or if we delay in taking steps against you in respect of your breaking of these Terms and Conditions, 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.
f. These Terms and Conditions are governed by English law and you can bring legal proceedings in the English courts. If you live in Scotland, you can bring legal proceedings in either the Scottish or the English courts. If you live in Northern Ireland, you can bring legal proceedings in either the Northern Irish or the English courts. If you live outside the United Kingdom, nothing in these Terms and Conditions affects any mandatory rights you may have under applicable law to
bring proceedings in the courts of the country in which you live.
THRIVE PLATFORM ACCEPTABLE USE POLICY
1. HOW YOU MAY USE OUR PLATFORM AND CONTENT PUBLISHED ON IT
a. You must not do anything that would bring us or our name into disrepute or cause damage in any way to our reputation. Please inform us immediately if you become aware of anything that you believe may cause us any reputational damage.
b. Any Content available on our Platform (other than content submitted by you, if any) is subject to the following rules:
i. you may print off one copy, and may download extracts, of any page(s) from our Platform for your personal use and you may draw the attention of others to Content posted on our Platform;
ii. you must not modify any paper or digital copies of any Content you have printed off or downloaded in any way, and must not use any illustrations, photographs, video or audio separately from any accompanying text;
iii. you acknowledge our status (and that of any identified contributors) as the authors of Content on our Platform;
iv. you must not use any part of the Content on our Platform for commercial purposes without our prior approval in writing; and
v. you must not imply any sponsorship or association with us without first obtaining our prior approval in writing.
c. If you print off, copy or download any part of our Platform in breach of this Acceptable Use Policy, we may suspend or terminate your Licence and may require you to return or destroy any copies of the Content you have made.
d. You are not permitted to use our trade marks or trade names without our prior approval in writing, unless they are part of the Content you are using as permitted under the other provisions of this Acceptable Use Policy.
e. If you would like to use any of the Content available on our Platform (including but not limited to any photographs, logos, videos, designs or images), other than as permitted under this Acceptable Use Policy, please contact us via the live chat function on the Platform.
2. RULES ABOUT LINKING TO OUR PLATFORM
a. If you are an Admin User or an Adviser, you may exercise the rights set out in this paragraph 2 on behalf of the organisation you work for.
b. You may link to our Platform sign-up page, the download page for the Thrive
App on an app store and the home page of our website (“Linked Pages”), but only in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not frame our Platform on any other site or establish a link to the Linked Pages on any website that is not owned by you.
c. Do not establish a link to the Linked Pages in such a way as to suggest any form of association, approval or endorsement on our part where none exists. We are open to new ideas, so if you would like to explore any such relationship with us, please contact us via the live chat function on the Platform.
d. If we believe that any link to the Linked Pages is not in line with our brand guidelines, and/or damages our reputation, we may withdraw linking permission without notice and require you to remove any links to the Linked Pages, or to remove our name and/or logo, from your website. We may require you to make changes in relation to the placing of our name and links to the Linked Pages on your website.
e. The website in which you are linking must comply in all respects with the content standards set out in paragraph 7 of this Acceptable Use Policy (“Content Standards”). In particular, you must not link to the Linked Pages or refer to us or our logos from any website which is indecent or inappropriate or in any other way incompatible with our reputation.
3. PROHIBITED USES
a. You must not use our Platform:
i. in any way that breaches any applicable local, national or international law or regulation;
ii. in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
iii. for the purpose of harming or attempting to harm minors in any way;
iv. to send, knowingly receive, upload, download, use or re-use any material which does not comply with our Content Standards; and/or
v. to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
4. CONTENT SUPPLIED BY YOU
a. Whenever functionality allows you to upload content to our Platform, you must comply with the Content Standards.
b. You will retain all of your ownership rights in any content you upload to our
Platform, but you hereby grant us a licence to use, store and copy that content and to distribute and make it available to third parties. Any content you upload to our Platform will be considered non-confidential.
c. We may need to disclose your identity to a third party who is claiming that content posted or uploaded by you to our Platform constitutes a violation of their intellectual property rights, privacy rights or other legal rights. We will only disclose this information if we believe that this is required under applicable laws.
d. We have the right to remove any posting you make on our Platform if, in our opinion, your post does not comply with the Content Standards.
5. INTERACTIVE SERVICES
a. We may provide interactive services on our Platform allowing our users to communicate with each other.
b. Although we are not obliged to, we may monitor and/or moderate such interactive services, and we expressly exclude our liability for any loss or damage arising from the use of any interactive service by an end user in contravention of our Acceptable Use Policy.
6. CONTENT STANDARDS
a. You must comply with the Content Standards which apply to any and all material which you upload to our Platform, and to any interactive services made available on our Platform.
b. All content submitted by you must be:
i. accurate (where it states facts);
ii. genuinely held (where it states opinions); and
iii. comply with all laws applicable in England and Wales.
c. No content may:
i. be defamatory of any person;
ii. be obscene, offensive, hateful or inflammatory;
iii. promote sexually explicit material;
iv. promote violence;
v. be discriminatory based on race, sex, religious belief, nationality, disability, sexual orientation or age;
vi. infringe any copyright, database right or trade mark of any other person;
vii. be likely to deceive any person;
viii. breach any legal duty owed to a third party, such as a contractual duty or a duty of confidence;
ix. promote any illegal activity;
x. be in contempt of court;
xi. be threatening, abusive or invade another's privacy, or cause annoyance, inconvenience or needless anxiety;
xii. be likely to harass, upset, embarrass, alarm or annoy any other person;
xiii. impersonate any person, or misrepresent your identity or affiliation with any person;
xiv. give the impression that it emanates from us, if this is not the case;
xv. advocate, promote, incite any party to commit, or assist any unlawful or criminal act such as (by way of example only) copyright infringement or computer misuse;
xvi. contain a statement which you know or believe, or have reasonable grounds for believing, that members of the public to whom the statement is, or is to be, published are likely to understand as a direct or indirect encouragement or other inducement to the commission, preparation or instigation of acts of terrorism; or
xvii. contain any advertising or promote any services or web links to other sites.
