The CashFlow Manager app is powered by Santander UK PLC and Fractal Labs Ltd trading as tomato pay. tomato payis a payments app brand built by and owned by Fractal Labs. Santander UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 106054). Fractal Labs Ltd. is authorised and regulated by the Financial Conduct Authority (FRN 813019).

Santander UK PLC provides the Account Information Service (please see more information here) that allows you to connect your bank accounts to the app and see an aggregated view of your transactions and balances. This part of the app is governed by the Santander UK PLC AIS ToU and Privacy Policy.

Fractal Labs Ltd provides the Payment Initiation Service (please see more information here) under its trading name “tomato pay” making payments cheaper and enabling faster cash settlement for small businesses and sole traders. This part of the app is governed by the tomato pay PIS ToU and Privacy Policy.

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