Terms and Conditions

1. Who we are and what these terms cover

Finvestodia is operated by WAW Group Global Limited, a company registered in England and Wales (Company No. 15008409), with its registered office at 174 Hammersmith Road, London, England, W6 7JP ("Finvestodia", "we", "us", "our").

These terms govern your use of:

• the Finvestodia website at finvestodia.co.uk, including the waitlist;
• the Finvestodia mobile and web applications (together, the "App");
• any related services we provide (together with the App and website, the "Service").

By creating an account, joining the waitlist, or using the Service, you agree to these terms. If you do not agree, please do not use the Service.

Our Privacy Policy explains how we handle your personal data and forms part of your agreement with us.

Contact: finvestodia.support@gmail.com

2. Eligibility

• You must be at least 18 years old and capable of entering into a binding contract to create an account.
• Kids Profiles may only be created and managed by an adult account holder who is the child's parent or legal guardian (see section 8).
• You must provide accurate information when registering and keep it up to date.

3. Your account

• You are responsible for keeping your login credentials confidential and for all activity under your account.
• Device-level protections (Face ID, Touch ID, PIN) are provided by your device and are your responsibility to configure.
• Tell us immediately at finvestodia.support@gmail.com if you suspect unauthorised access to your account.
• One account per person. You may not transfer or sell your account.

4. The Service

Finvestodia provides personal finance tools including budgeting, expense tracking, receipt scanning, savings goals, shopping lists, investment tracking, email reports, and an AI-powered coaching feature ("MoneyPilot Coach").

• Finvestodia does not connect to your bank accounts. All financial data is entered by you, manually or via receipt scanning.
• We may add, change, or remove features from time to time. If we make a change that materially reduces the Service you pay for, we will notify you in advance and you may cancel before it takes effect.
• We aim for high availability but do not guarantee the Service will be uninterrupted or error-free. We may suspend the Service for maintenance, security, or legal reasons, restoring it as soon as reasonably possible.

5. Important: not financial advice

Finvestodia is an information and organisational tool only.

• Nothing in the Service — including MoneyPilot Coach insights, tips, challenges, reports, or investment tracking — constitutes financial, investment, tax, or legal advice, or a recommendation to buy, sell, or hold any investment.
• We are not authorised or regulated by the Financial Conduct Authority, and the Service does not include any regulated activity such as advising on investments, arranging deals, or handling client money.
• AI-generated content can be incomplete or inaccurate. Always check important figures against your own records and consult a qualified, regulated adviser before making significant financial decisions.
• You are solely responsible for your financial decisions. The value of investments can go down as well as up.

6. Subscriptions, billing, and cancellation

• Renewal. Subscriptions renew automatically at the end of each billing period until cancelled.
• Cancellation. You can cancel at any time in the App (or through the app store you subscribed through). Cancellation takes effect at the end of the current billing period; you keep Pro access until then. We do not refund partial periods except where the law requires.
• Cooling-off. If you subscribe, you have a statutory 14-day right to cancel. By starting your subscription immediately, you acknowledge that if you cancel within the 14 days, any refund may be reduced in proportion to the service already provided.
• Price changes. We may change subscription prices. We will give you at least 30 days' notice by email or in-app notice, and the new price applies only from your next renewal — you can cancel before it takes effect.
• App store purchases. If you subscribe through the Apple App Store or Google Play, billing, cancellation, and refunds are handled under that store's terms.
• Non-payment. If a payment fails, we may downgrade your account to the free tier after a reasonable retry period.

7. Acceptable use

You agree not to:

• use the Service for anything unlawful, fraudulent, or harmful;
• attempt to gain unauthorised access to the Service, other users' accounts, or our systems;
• reverse engineer, scrape, or copy the Service, or use automated tools to extract data from it, except as permitted by law;
• upload malicious code or content that is unlawful or infringes others' rights;
• resell, sublicense, or commercially exploit the Service without our written agreement;
• use the Service to provide regulated financial services to others.

We may suspend or terminate accounts that breach these terms (see section 12).

8. Kids Profiles

• Kids Profiles exist inside an adult account holder's account and are created, controlled, and deletable by that adult.
• By creating a Kids Profile, you confirm you are the child's parent or legal guardian and consent to the data you enter being processed as described in our Privacy Policy.
• You are responsible for supervising any use of the App by the child and for the accuracy and appropriateness of the information entered.

9. Your content and data

• You retain ownership of the data and content you enter into the Service (transactions, budgets, goals, receipt images, notes).
• You grant us a licence to host, process, and display that content solely to provide and improve the Service, as described in our Privacy Policy. We do not sell your data.
• You are responsible for the accuracy of the data you enter. Reports and insights are only as accurate as the data behind them.
• You can export your data and delete your account at any time in the App or by emailing finvestodia.support@gmail.com. Deletion is handled as described in our Privacy Policy.

10. Intellectual property

• The Service — including its software, design, branding, text, and graphics — is owned by or licensed to WAW Group Global Limited and protected by intellectual property laws.
• We grant you a personal, non-exclusive, non-transferable, revocable licence to use the App for your own personal, non-commercial use, subject to these terms.
• "Finvestodia" and associated logos may not be used without our prior written consent.
• Nothing in these terms transfers any of our intellectual property to you, or any of your content ownership to us.

11. Liability

Nothing in these terms excludes or limits our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; or any other liability that cannot be excluded or limited under the law of England and Wales. Nothing in these terms affects your statutory rights as a consumer.

Subject to the above:

• We provide the Service with reasonable skill and care.
• We are not liable for losses arising from financial decisions you make, from inaccurate data you enter, or from your reliance on AI-generated insights contrary to section 5.
• We are not liable for losses that were not foreseeable to both parties when you accepted these terms, or that are not caused by our breach.
• We are not liable for business losses. The Service is for personal, non-commercial use.
• We are not responsible for failures caused by events outside our reasonable control, or by your device, internet connection, or third-party services (including app stores and payment providers) acting outside our instructions.
• Where we are liable to you and no exception above applies, our total liability in any 12-month period is limited to the greater of the amount you paid us for the Service in that period or £50.

12. Suspension and termination

• By you: you can stop using the Service and delete your account at any time.
• By us: we may suspend or terminate your access if you materially breach these terms, if required by law, or if we discontinue the Service. Except in cases of serious breach or legal necessity, we will give you reasonable notice and, where practical, an opportunity to export your data.
• If we discontinue a paid Service, we will refund any pre-paid fees for the unused period.
• Sections that by their nature should survive termination (including sections 5, 9, 10, 11, and 14) survive.

13. Changes to these terms

We may update these terms from time to time — for example to reflect new features or legal requirements. For material changes, we will give you at least 30 days' notice by email or in-app notice. If you do not agree to the changes, you may cancel before they take effect; continued use after that date means you accept the updated terms.

14. General

• Governing law and courts. These terms are governed by the law of England and Wales. Disputes may be brought in the courts of England and Wales; if you live in Scotland or Northern Ireland, you may also bring proceedings in your local courts.
• Complaints. Contact us first at finvestodia.support@gmail.com — we aim to resolve issues quickly and fairly.
• Entire agreement. These terms, together with the Privacy Policy, form the entire agreement between you and us regarding the Service.
• Severability. If any part of these terms is found unenforceable, the rest remains in effect.
• No waiver. If we do not enforce a right under these terms, that is not a waiver of it.
• Assignment. We may transfer our rights and obligations under these terms to another organisation (for example, in a sale of the business); your rights will not be reduced as a result. You may not transfer yours without our consent.

15. Contact

WAW Group Global Limited
174 Hammersmith Road, London, England, W6 7JP
Company No. 15008409
Email: finvestodia.support@gmail.com