Overview

Fintuity Financial Wellbeing Services helps users create personalised budgets, set achievable goals, access educational resources, and connect with a financial expert for 1:1 coaching sessions. By viewing or using any part of our Service, you agree to be bound by our Terms, Privacy Policy, and Cookie Policy. If you do not agree, you must stop using the Services.

Terms and Conditions

Updated 21st March 2024

By using Fintuity Financial Wellbeing Service, you agree to the Terms of Use. To contact Fintuity Ltd, please email support@fintuity.com. Our registered address is 128 City Road, London, EC1V 2NX. You should read these Terms below along with our Privacy Policy.

1. About Us

Fintuity Ltd (Fintuity/we/us) is a company registered in England and Wales with a registered office at 128 City Road, London, EC1V 2NX. You can check our details by visiting Companies House website (10849933).

2. Accepting the terms

These legal terms are between you and Fintuity Ltd and you agree to them by using the Fintuity Financial Wellbeing Service (the Service) that we provide which is available via the Fintuity client web portal (The Web Portal) or mobile application (The App) together (The Fintuity Platform).

In order to use the Service, you need to agree to the Terms. This can be done by simply accessing the Service and providing payment details that we will use to charge for using the Service. You shouldn’t use the Service if you’re not allowed to do so under UK laws. The Terms apply from the commencement of the Service until a time that you cease to use it.

3. Using the Service

The Service also provides access to a financial expert, who may be a qualified finance professional. Fintuity’s financial experts are contracted to provide financial guidance as per the following definitions:

“Guidance” will help you to identify and explain your options but will not tell them what to do or which product to buy; the decision is yours. Providers of guidance are responsible for the accuracy and quality of the information they provide but not for any decision that is made based on it. Guidance will suggest what you can do.

Normally our financial guidance includes an initial review and ongoing reviews of your financial circumstances to find ways to help improve your finances, create a plan for the future and an action list to help achieve your goals. It’s also a chance for us to explore topics you want to master including general information on pensions, investments, protection, mortgages, debts, income and expenses.

Where we identify a regulated advice service that is required before or during the exercise, we will pick this up separately. This will have a different client agreement that covers our costs and charges.

4. Your account

In order to access features of the Service, you’ll need to create an account on the Fintuity Platform. This requires your email, phone number, and for you to set-up a secure password. You should always keep all details completely confidential, and never allow others to access your user account as you are solely responsible for the activity that occurs on it.

From time to time we may need to contact you via email or phone to resolve issues with your account, or inform you about updates to the product or service. By registering on the platform, you give us permission to do so.

If you are accessing the Service via our mobile App you should make sure that the App remains updated to the latest version, and we have the right to disable or delete user accounts at any time if you have failed to comply with our Terms of use.

If you know or suspect that anyone other than yourself knows your login details, or has accessed your account, you should notify us as soon as possible at support@fintuity.com

You can close your account at any time by contacting us atsupport@fintuity.com

5. Prohibited uses

You can’t use the Service to do any of the following:

• Break any local or international laws or regulations.
• Carry out any activities that are unlawful or fraudulent
• Attempt to bypass or interfere with the security of the Service
• Try to collect or harvest any user data from the Service
• Damage or disrupt any hardware or software that is used by Fintuity or a third-party to provide the Service
• Knowingly transmit data or upload materials that contain harmful programs or computer code that is designed to damage computer software or hardware.
• Attempt to install any code to automate an aspect of the Service that sends more requests to us in a given period than a human can
• Use any materials from the Service without permission that are protected under intellectual property rights.
• Sell access to the Service or sell related advertising or promotions
• Copy, send, display, license, sell, broadcast, or use any Content other than in ways permitted in Section 5 without the prior written consent of Fintuity or the licensors of the Content.

6. Intellectual Property Rights

Fintuity is the owner or the licensee of all intellectual property and content within our Service. Copyright laws are in place and all rights are reserved.

You can draw the attention of others to Content posted within our Service, and you may print a copy or download extracts from our Service for your personal use, but you must not modify any materials you have printed or downloaded, and you must not use any visuals or audio that have been separated from the accompanying text.

You may not use any materials for commercial purposes without obtaining permission to do so from us or our licensors. Any infringing Content may be removed in accordance with applicable laws. Details of any suspected infringement should directed to support@fintuity.com

7. No reliance on information

We try to ensure that all information within our Service is kept up to date at all times, but we make no guarantees or representations that the content within our Service is current, complete, or accurate. You should not rely on the information that we provide or assume that it has taken into account any recent changes in legislation.

8. Security

Fintuity’s Service is built using the latest technology and the highest security standards as part of our commitment to protect our users. However, we need to be prepared in the event that the Service is compromised by a malicious attack. If the security of the Service, or the safety of user data is compromised, we will inform users immediately via email and implement any safeguards we believe are necessary.

Fintuity cannot be held responsible for any malicious activity caused to your account or device as a result of connecting third-party links to the Service. If you have any concerns about the security of the Service, you should contact us immediately on support@fintuity.com

9. Limitation of our liability

The Service is for personal use, and you agree not to use it for any commercial activities. We accept no liability for any losses that are not related to personal use

We will not be liable to you for any losses or damages if for any reason our Service is unavailable, and we will not be liable for any losses or damages caused by harmful programs or computer code present on your devices that are designed to damage computer software or hardware.

10. Cancellation and amendments

You may stop using the Service at any time, without penalty by sending us a notice in writing to support@fintuity.com or unsubscribing from the Service on the Fintuity Platform and mobile App. We may terminate this agreement by giving you at least 14 business days’ written notice. You will be liable to pay for any services we have provided before cancellation.

From time to time it may be necessary to amend the terms of using the Service. If this is the case, we’ll write to you with details of the changes at least 14 business days before they are due to take effect. If you don’t agree to the new Terms you must stop using the Service. If you continue to use the Service, it will mean that you accept the new Terms.

11. Making a Complaint

If you wish to register a complaint, you can do so in writing to Fintuity Limited, 128 City Road, London, EC1V 2NX or by email to compliance@fintuity.com

If Fintuity cannot settle the complaint with you, you may be entitled to refer it to the Financial Ombudsman Service, Exchange Tower, London, E14 9SR; Telephone 0800 023 4567, website: www.financial-ombudsman.org.uk

12. Protecting your Personal Data

To provide our services properly we’ll need to collect information about your personal and financial circumstances. We take your privacy seriously and will only use your personal information to deliver our services.

Processing of your personal data is necessary for the performance of our contract for services with you and in meeting our obligations to preventing money laundering or terrorist financing. Generally, this is the lawful basis on which we intend to rely for the processing of your data. (Please see the reference to special categories of data below). Our policy is to gather and process only that personal data which is necessary for us to conduct our services appropriately with you and to prevent money laundering or terrorist financing.

We adopt a transparent approach to the processing of your personal data. Sometimes, we may need to pass your personal information to other organisations. If you apply to take out a financial product or service, we’ll need to pass certain personal details to the product or service provider.

We may engage the services of third-party providers of professional services in order to enhance the service we provide to you. These parties may also need to process your personal data in the performance of their contract with us. Your personal information may be transferred electronically (e.g by email or over the internet) and we, or any relevant third party, may contact you in future by what we believe to be the most appropriate means of communication at the time (e.g. telephone/ email /letter etc.).

The organisations to whom we may pass your details also have their own obligations to deal with your personal information appropriately. Sometimes a product or service may be administered from a country outside Europe. If this is the case, the firm must put a contract in place to ensure that your information is adequately protected.

We have a Privacy Policy which is a separate document which provides more information about the nature of our personal data processing activities and includes details of our retention and deletion policies as well as your rights of access to the personal information that we hold on you. It is available upon request.

As part of this agreement, we’ll ask you to consent to the transfer of personal information in accordance with the protections outlined above.

Special categories of personal data: there are certain categories of personal data that are sensitive by nature. The categories include: data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership and data concerning health. Depending on the nature of the products and services that you engage us for we may need to obtain your sensitive personal data particularly in relation to health. Our policy is that should we require any special category of personal data we will only gather this with your explicit consent.

If you are concerned about any aspects of our privacy arrangements, please contact us.

13.  Fee Schedule

We charge £25 per month for our financial wellbeing service or £250 per annum if paid in advance.
All prices include VAT.

This entitles you to a 1-hour initial meeting, 15-minute quarterly check-ins and a 1-hour annual review face-to-face with one of our financial coaches plus gives you access to up-to-date personal finance tips, news, our article library and information