Terms & Conditions

1. Acceptance of Terms

By accessing and using FinCollective ("the Service", "the App"), you accept and agree to be bound by the terms and provisions of this agreement. The Service is operated from the United Kingdom and is available for use internationally. If you do not agree to these terms, please do not use the Service.

2. Description of Service

FinCollective is a financial planning and debt management tool that provides:

Debt tracking and payment planning tools
Budget management features
Financial calculators and projections
AI-powered financial guidance and recommendations
Money-saving tips and educational content

3. Not Financial Advice

Important Disclaimer:

This app and its content are for informational and entertainment purposes only and should not be construed as financial advice. The Service does not provide investment, tax, legal, or accounting advice, nor is it approved by the Financial Conduct Authority (FCA) or providing regulated financial advice. Investing involves risk, and you could lose money. All financial decisions should be made after doing your own research and consulting with a qualified financial advisor who understands your individual circumstances.

4. User Responsibilities

You agree to:

Provide accurate and complete information when using the Service
Maintain the security and confidentiality of your account credentials
Use the Service in compliance with all applicable UK and international laws
Not use the Service for any unlawful or fraudulent purpose
Not attempt to gain unauthorized access to any portion of the Service
Take full responsibility for all financial decisions you make

5. Intellectual Property Rights

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, are the exclusive property of FinCollective or its content suppliers and are protected by UK and international copyright, trademark, patent, trade secret, and other intellectual property laws.

6. AI-Powered Features

The Service includes AI-powered features that provide automated responses and recommendations. You acknowledge that:

AI responses are generated based on patterns and training data and may not always be accurate
AI recommendations should not be considered professional financial advice
You should verify all AI-generated information independently
The Service is not liable for decisions made based on AI-generated content

7. Data Accuracy and Calculations

While we strive to ensure all calculations and projections are accurate, the Service provides estimates based on the information you provide. Interest calculations, payment schedules, and financial projections are for illustrative purposes only. Actual results may vary based on numerous factors including changes in interest rates, fees, and individual circumstances.

8. Third-Party Content and Links

The Service may contain links to third-party websites, advertisements, or services. We do not endorse or assume responsibility for any third-party content, products, or services. Your interactions with third parties are solely between you and such third parties. Some links to third-parties are affiliate links, meaning FinCollective will earn commissions on referrals.

9. Limitation of Liability

To the fullest extent permitted by applicable law, FinCollective shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

Your use or inability to use the Service
Any financial decisions made based on information from the Service
Unauthorized access to or alteration of your data
Any errors or omissions in the Service
Any conduct or content of any third party on the Service

10. Indemnification

You agree to indemnify, defend, and hold harmless FinCollective and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of the Service or your violation of these Terms.

11. Modifications to Service

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

12. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including breach of these Terms. Upon termination, your right to use the Service will immediately cease.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. International Use

While the Service is operated from the United Kingdom and complies with UK laws, it is accessible internationally. Users accessing the Service from outside the UK are responsible for compliance with local laws in their jurisdiction.

15. Changes to Terms

We reserve the right to update these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Last Updated" date. You are advised to review these Terms periodically for any changes. Your continued use of the Service after changes are posted constitutes acceptance of the updated Terms.

16. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. The invalid or unenforceable provision will be deemed modified to the extent necessary to make it valid and enforceable.

17. Contact Information

If you have any questions about these Terms, please contact us through the feedback feature in the application. Contact details for data queries will be provided separately in accordance with our Privacy Policy.

Note: By using FinCollective, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.