Terms of Service - United Kingdom

1. Agreement to Terms

By accessing or using Finaap's services in the United Kingdom, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

These terms are governed by the laws of England and Wales, including the Consumer Rights Act 2015, the UK GDPR, and the Data Protection Act 2018.

2. Description of Service

Finaap provides a financial wellness platform that allows you to:

• Track your income, expenses, and debts in British Pounds (GBP)
• Connect to HMRC Making Tax Digital to view your tax information
• Calculate UK taxes (Income Tax, National Insurance, VAT)
• Generate financial reports and insights
• Set reminders for payment due dates
• Access a directory of FCA-authorised debt advisers

3. What Finaap Does NOT Do

To ensure clarity and FCA compliance, Finaap does NOT:

• Provide financial advice: We do not recommend financial products, investments, or give regulated advice
• Contact creditors: We do not negotiate with banks, lenders, or bailiffs on your behalf
• Manage your debts: We provide tracking tools only - you manage your own finances
• File taxes on your behalf: We help you view and calculate taxes, but you submit to HMRC yourself
• Move your money: We have read-only access to connected accounts
• Guarantee outcomes: Financial results depend on your own decisions and actions
• Provide credit broking: We do not introduce you to lenders or credit providers

4. Account Registration

To use our services, you must:

• Be at least 18 years of age
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorised use
• Be a resident of the United Kingdom (for this version of the service)

5. HMRC Making Tax Digital Integration

When you choose to connect your HMRC account:

• You authorise us to retrieve your tax information from HMRC via the Making Tax Digital API
• Your National Insurance number and tax data are stored securely and encrypted
• We display your tax calculations and obligations but do not submit returns on your behalf
• You remain responsible for filing accurate tax returns with HMRC
• You can disconnect your HMRC account at any time

Note: Finaap is a recognised software provider under HMRC's Making Tax Digital programme but is not affiliated with or endorsed by HMRC.

6. Payment Terms

For paid subscription plans:

• Prices are displayed in British Pounds (GBP) and include VAT where applicable
• Payments are processed securely via Stripe
• Subscriptions renew automatically unless cancelled
• You may cancel at any time, effective at the end of your billing period
• Refunds are provided in accordance with our Cancellation Policy and the Consumer Rights Act 2015

7. User Responsibilities

You agree to:

• Provide accurate financial information
• Use the service only for lawful purposes
• Not attempt to access other users' data
• Not use the service for money laundering, fraud, or other illegal activities
• Comply with all applicable UK laws and regulations
• Verify your own tax calculations before filing with HMRC

8. Intellectual Property

All content, features, and functionality of Finaap are owned by us and protected by UK and international copyright, trademark, and other intellectual property laws. You may not copy, modify, or distribute our content without prior written permission.

9. Limitation of Liability

To the maximum extent permitted by UK law:

• Finaap is provided "as is" without warranties of any kind
• We are not liable for any financial decisions you make based on information displayed
• We are not liable for errors in tax calculations (you should verify independently)
• We are not liable for HMRC penalties or interest resulting from late or incorrect filings
• Our total liability shall not exceed the amount you paid for the service in the past 12 months

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded by law.

10. Dispute Resolution

Any disputes arising from these terms shall be:

• First attempted to be resolved through our internal complaints process
• If unresolved, you may use the European Commission's Online Dispute Resolution platform or UK-based ADR
• Subject to the exclusive jurisdiction of the courts of England and Wales

11. Termination

We may terminate or suspend your account if you:

• Violate these terms of service
• Engage in fraudulent or illegal activity
• Fail to pay subscription fees when due
• Provide false or misleading information

You may close your account at any time by contacting us. Upon termination, your right to use the service ends, but certain provisions of these terms will survive.

12. Changes to Terms

We may update these terms from time to time. We will notify you of material changes by email or through a notice on our platform. Your continued use of our services after such modifications constitutes acceptance of the updated terms.

13. Contact Us

For questions about these Terms of Service, please contact: