FinGoal.ai Terms and Conditions

Effective Date: 16th July, 2025
Last Updated: 15th July, 2025

1. Definitions

  • "FinGoal.ai", "we", "us", or "our" refers to the owner and operator of the FinGoal.ai platform, a UK-registered entity.

  • "You" or "User" refers to any individual or legal entity who accesses, browses, or uses our Services.

  • "Services" means the FinGoal.ai website, mobile application, software platform, related content, features, and functionalities.

2. Acceptance of Terms

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms, our Privacy Policy, and any applicable guidelines. If you do not agree to these Terms, you must immediately cease all access and use of our Services.

3. Eligibility

You must be at least 18 years old, possess the legal authority, right, and freedom to enter into these Terms, and use the Services in accordance with all applicable laws and regulations.

4. Use of Services

You agree to use the Services solely for lawful purposes and in accordance with these Terms. Any misuse, abuse, or unauthorised use of the Services may result in suspension or termination of your account.

5. Account Registration

To access certain features, you may be required to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

6. Fees

If applicable, fees for premium features or services will be disclosed prior to purchase. All payments are final, non-cancellable, and non-refundable except where required by applicable law.

7. User Content and Data

You grant FinGoal.ai a non-exclusive, worldwide, royalty-free licence to use, process, store, and analyse any content or data submitted by you in accordance with our Privacy Policy. You retain ownership of your data but grant us the right to use anonymised data for analytics and product improvement.

8. AI and Information Disclaimer

The Services use AI-generated content, including financial nudges, lifestyle suggestions, and behavioural prompts. These are provided strictly for informational purposes and do not constitute financial advice, investment guidance, or legal counsel. We are not a regulated financial adviser or institution.

9. Open Banking Integration

By connecting your financial accounts via third-party APIs (e.g., TrueLayer), you authorise us to access, retrieve, and process transaction data under strict security protocols. We do not store or retain banking credentials and comply with PSD2, GDPR, and Open Banking standards.

10. Intellectual Property Rights

All intellectual property related to FinGoal.ai, including software code, algorithms, trademarks, logos, and content, is owned by or licensed to us. You may not reproduce, distribute, reverse-engineer, or otherwise exploit any part of the Services without express written permission.

11. Prohibited Activities

You agree not to:

  • Use bots, scrapers, or automated tools to extract data

  • Interfere with the security or functionality of the Services

  • Upload malicious code or engage in phishing, fraud, or impersonation

  • Violate any applicable law or infringe upon the rights of others

12. Disclaimers and Warranties

The Services are provided on an “as-is” and “as-available” basis without warranties of any kind, either express or implied. We expressly disclaim all implied warranties including merchantability, fitness for a particular purpose, non-infringement, accuracy, or availability. No oral or written advice shall create any warranty.

13. Limitation of Liability

To the fullest extent permitted by law, FinGoal.ai shall not be liable for any indirect, special, incidental, punitive, or consequential damages, including loss of profits, loss of data, loss of business, or personal injury arising from your use of or inability to use the Services. Our total liability shall not exceed the amount paid by you (if any) for the use of the Services in the past 12 months.

14. Indemnification

You agree to indemnify, defend, and hold harmless FinGoal.ai, its affiliates, employees, officers, directors, contractors, and licensors from and against any and all claims, liabilities, damages, losses, and expenses (including legal fees) arising from or related to your use of the Services or violation of these Terms.

15. Termination

We reserve the right to suspend or permanently terminate your access to the Services at our sole discretion, with or without notice, for any breach or suspected breach of these Terms or applicable law.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law principles.

17. Dispute Resolution

Any dispute arising out of or related to these Terms or your use of the Services shall be submitted to the exclusive jurisdiction of the courts located in England and Wales. You hereby waive any objection to venue or jurisdiction.

18. Force Majeure

We shall not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including but not limited to acts of God, natural disasters, government actions, internet outages, or technical failures.

19. Changes to Terms

We reserve the right to amend these Terms at any time. We will notify you of significant changes via email or platform notification. Continued use of the Services after such changes constitutes your acceptance.

20. Contact Information

If you have questions or concerns regarding these Terms, please contact us at:

FinGoal.ai
Email: contactus@fingoalai.com