Terms and conditions

Terms andconditions

Last updated: Jan 18 2023


General information about these terms of use

These terms of use (the "Terms") explain the terms on which you are permitted to use the Functions (see definitions under section Definitions) provided by Omim Technology AB (Reg. No. 559404-0940) ("Mimo", "us", "our" or "we").

Please read these Terms carefully before you start to use the Functions. By using the Functions, you confirm that you accept these Terms and that you agree to comply with them.

We may modify these Terms at any time so please ensure you understand the Terms that apply at that time when you use the Functions.

If you are part of an organisation (for example a company or another legal entity) which has entered into a separate service agreement or other terms of service ("Terms of Service") with us regarding such organisation's access to and use of the Service and/or the Functions, your access to the Functions under these Terms is dependent on the continued term of such Terms of Service.

Other applicable terms

These Terms refer to the following additional terms, which also apply to your use of the Functions:

If you purchase services from us through the Functions, our Terms of Service (available here: www.mimohq.com/terms) will apply to the sales.

Contact information

You may contact us by email hello@mimohq.com ("Contact Information").


"Account" means the account that you register and create on the Site and/or in the App.

"App" means our application accessible via computer and/or mobile device relating to the Function.

"Contact Information" means the contact information set out above.

"Functions" means the Service, the Site, the App, the Account, and other related services provided by us to you.

"Service" is defined in section Description of the Service below.

"Site" means our website (www.mimohq.com).

"Terms of Service" is defined in section General information about these terms of use above.

The service and the function

Description of the service

Mimo provides a digital bill payment & short-term financing platform for small businesses. (the "Service"). More information about the Service and the Functions can be found on the Site and in the App. To be able to use the Functions, adequate internet access is required.

During the term of our agreement we have the right to change and modify the Functions and its content.

Although we make reasonable efforts to update the information on our Site and in the App, we make no representations, warranties or guarantees, whether express or implied, that the content on our Site and in the App is accurate, complete or up to date.

We do not guarantee that the Functions or any content on the Functions, will always be available or be uninterrupted.

We may also at times have to temporarily suspend the access to any of the Functions in order to:

  • fix technical problems or make minor technical updates; or

  • update changes of the Functions to reflect changes in applicable laws and regulatory requirements.

We will not be liable to you if, for any reason whatsoever, the Functions are unavailable at any time or for any period.

We are entitled to decline you access to our Functions in the event that you have or if we suspect you of having provided us with untrue, inaccurate, not current or incomplete information when accessing or using the Functions. We may also decline you access to use the Functions if you in our reasonable opinion have failed to comply with any of the provisions of these Terms, or if your organisation has failed to comply with any of the provisions of the Terms of Service or is late with payment.

Setting up an account

In order to access the Functions, you must create an Account. Once an Account has been created, and other instructions has been followed the Functions will be available and ready to use on the Site and in the App. You agree to provide us with correct information when setting up your Account.

Credentials for your Account must be kept secure at all times. You may only create one (1) Account. You are not allowed to transfer the Account to another person or to share data relating to your Account with any third parties. Should you suspect that your Account or your credentials have been or are being used by a third party you must contact us immediately by using our Contact Information.

Use of the functions

When you use the Functions, you must always comply with all applicable laws and these Terms. You may not access the Functions other than through interfaces provided by us and as otherwise expressly authorized under these Terms. You may not use the Functions in a manner contrary to our, or any third party's, rights and interests. You agree to comply with all instructions and recommendations provided by us from time to time.

You are responsible for all activities that occur under your Account.

You also agree not to:

  • defame, abuse, harass, threaten or otherwise violate the legal rights of any third party or us;

  • publish, post or - in any other way express, any material or information that is inappropriate - defamatory, infringing, obscene, pornographic, racist, terrorist, politically slanted, indecent or unlawful;

  • contribute to destructive activities such as dissemination of viruses, spam or any other activity that might harm us or the Functions in any way;

  • monitor the Functions' availability, performance or functionality for any competitive purpose, meaning, for example that you agree not to access the Functions for the purpose of developing or operating a competitive product or service or copying the Functions' features or user interface; or

  • resell or in any way redistribute results generated on the Functions or use the Functions in order to create a competing service or product.

Own content

The Functions provides you with the possibility of uploading and storing of files and other information provided by you ("Content"). You are responsible for all actions taken by or in your name.

By uploading Content to the Functions you warrant that you a) have the necessary rights to the uploaded Content or b) have permission to use the Content in such a way that the Content or your use of the Content does not contravene applicable law. We will not supervise whether any Content is lawfully uploaded or distributed through the Functions.

By publishing Content on the Functions, you are aware that (depending on the settings of your Account) such Content may become available for us and others to use. We are not liable for any loss of Content and we advise you to always keep your own backup copy. We do not take any responsibility with regard to the validity of Content provided by you.

We have the right to remove any Content that, in our opinion, does not comply with these Terms.

Intellectual property rights etc

Respect for our intellectual property rights

The Functions are owned or licenced by us. The Functions and other information, including all copyrights, trademarks, trade names, logos and other intellectual rights (including industrial property rights) held and used by us as well as those presented in the Functions (including titles, graphics, icons, scripts, source codes, etc.) are our property or third party licensors' property and must not be reproduced, distributed, sold, used, modified, copied, limited or used (in whole or in part) without our written consent.

Respect for our property

You must not tamper with, attempt to gain unauthorized access to, modify, hack, repair or otherwise adjust any of our material, hardware, source codes or information for any purposes.


When using the Functions in accordance with these Terms we grant you a non-exclusive, revocable, and non-transferrable, licence to use the Functions.

We may revoke the granted licence if we have reason to believe that you are in breach these Terms or any other agreements that we have concluded, or if your organisation has failed to comply with any of the provisions of the Terms of Service or is late with payment.

Liability and limitations of liability

Disclaimer of warranties

Except as expressly provided for in these Terms, the Functions and all related components and information are provided on an "as is" and "as available" basis without any warranties of any kind, and we expressly disclaim any and all warranties, whether express or implied, including the implied warranties of merchantability, title, fitness for a particular purpose and non-infringement. You acknowledge that we do not warrant the Functions will be uninterrupted, timely, secure or error-free.

Our liability and limitations of our liability

To the extent permitted by law, we will not be liable to you, any other user or third party for any loss or damage (whether direct or indirect) whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with: (1) use of, or inability to use, any of the Functions; or (2) use of or reliance on any content displayed on our Functions.

In particular, we will not be liable for (1) loss of contracts, (2) loss of reputation and/or goodwill, (3) loss of profit, loss of revenue, loss of anticipated savings and/or loss of business, or (4) any indirect or consequential loss.

Different limitations and exclusions of liability as set out in our Terms of Service will apply to any sale of services to you.

Your liability

You are responsible for any damage or loss that is inflicted on us and that is caused by your use of the Functions or through your Account, or as a result of your breach of these Terms.

Applicable law

Swedish law shall apply to these Terms.


If you have any complaints, please contact us via our Contact Information.

We will always try to solve any complaints through discussions.

Company information

Omim Technology AB is an entity registered in Sweden.

Registered address: Kungstensgatan 60, 113 29 Stockholm

Registration number: 559404-0940

VAT Reg. No.: SE559404-094001


483 Green Lanes, N13 4BS 
London, United Kingdom

Omim Technology Ltd is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 – for more information please see this link.

Payment services for Omim Technology Ltd. are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199)