Terms and Conditions for Finmo

  1. Introduction

Welcome to Finmo.

This page tells you the terms on which you may use our mobile application and web portal (or “Finmo”), Finmo Mobile Money Management, whether as registered user or guest. Please read carefully before use.

By using Finmo, you accept the terms and agree to obey them. If you don’t accept them, please don’t use Finmo. By signing up via the Finmo, you hereby accept to these terms.

  1. Who We Are

www.finmo.co.uk is operated by Finmo Ltd, a UK Limited company registered in England under company number 11079685.

Some important details about us:

Our registered office is at: Founders Factory, Northcliffe House, Young Street, London W8 5EH

  1. Use of Finmo

We provide a personal finance information management service, that allows you to consolidate and track your financial information. You must be over 18 years of age, and a resident of the United Kingdom, to register for Finmo. Only one registration per person is permitted. The Finmo allows you to:

  • Upload details of your bank and credit card accounts maintained at third party sites (“Accounts”);
  • Access details of transactions and balances on Accounts;
  • Annotate your transactions with metadata and save supporting information (including receipts); and
  • Estimate your taxes using your banking transaction data via our built-in tax calculator.

Use of Finmo, including but not limited to the tax calculator, does not constitute taxation advice by us, and should never be construed as such. You should consult a qualified tax adviser if taxation advice is required. We provide this service via Finmo, and you are free to utilise this service for self-assessment advice (see below). In the event that you choose to proceed with this service, you will enter into a separate contract with the accountant. We are not a party to this relationship, and are not responsible for any act or omission of the relevant accountant. We are not an accountancy firm, and we do not hold ourselves out as being so.

We do not accept any liability for any loss or damage suffered as a consequence of relying on any information contained on Finmo or derived from use of the tax calculator. We do not represent the views or rules of HM Revenue & Customs in the United Kingdom (“HMRC”), and we do not hold ourselves out as being associated with HMRC or any government agency.

You have permission for temporary use of Finmo, but we can withdraw or change our service at any time without telling you and without being legally responsible to you.

You must treat all identification codes, passwords and other security information as confidential. If we think you have failed to keep confidentiality, we are allowed to disable any security information (including your passwords and codes).

If you allow anyone else to use Finmo, you must make sure that they read these terms first, and that they follow them.

Only use Finmo as allowed by law and these terms. If you don’t, we may suspend your usage, or stop it completely.

We frequently update and make changes to it, but we don’t have to do this, and material on Finmo may be out-of-date. No material on Finmo is intended to contain advice, and you shouldn’t rely on it. We exclude all legal responsibility and costs for reliance placed on Finmo by anyone.

We follow our privacy policy in handling information about you. You can read our policy at [Insert Link].

By using Finmo, you agree to us handling this information and confirm that data you provide is accurate.

You may cancel your account at any time. To cancel your account, email support@finmo.co.uk, using the email address registered to the account.

Please note that extended periods of inactivity may also result in cancellation of your account.

  1. Intellectual Property Rights

We are the owner or licensee of all intellectual property rights in Finmo (for example the copyright and any rights in the designs) and in any of the material posted on it. They are protected by copyright.

You are allowed to print one copy and download extracts of any page on Finmo for your personal reference, but not for commercial use without a license from us. You must not alter anything, or use any illustrations, video, audio or photographs separately from the text that goes with them.

If you breach these terms, you lose your right to use Finmo, and must destroy or return any copies you have made.

  1. Our Legal Responsibility to You

We do not guarantee the accuracy of material on Finmo. As far as legally possible, we exclude legal responsibility for the following:

  • Any loss to you arising from use of Finmo
  • Loss of income, profit, business, data, contracts, goodwill or savings

We also exclude, as far as legally possible, all terms and warranties or promises implied by law or by statutes.

We don’t exclude legal responsibility for death or personal injury owing to our negligence, or legal responsibility for fraud or fraudulent misrepresentation, or for anything else where exclusion is not allowed by the law.

  1. Uploading to Finmo

Material that you upload will be regarded as non-confidential and not owned. This means that we can copy it, distribute it, and show it to other people for any purpose. You agree that if anyone else claims to own the material, or says that it breaches their rights, we can give them your identity.

This does not apply to tax returns and other accounting information you upload, such as P45 and P60 documentation, receipts, etc., which will not be distributed to any third parties (unless you choose to engage with our accountant as per clause 3 above, in which case the accountant shall be provided with this information).

We won’t be legally responsible to anybody for the accuracy of material that you upload to the Finmo, and we can remove it at any time if we think it doesn’t follow our views on acceptable use.

  1. Computer Offences

If you do anything which is a criminal offence under a law called the Computer Misuse Act 1990, your right to use Finmo will end straightaway. We will report you to the relevant authorities and give them your identity.

Examples of computer misuse include introducing viruses, worms, Trojans and other technologically harmful or damaging material.

You mustn’t try to get access to Finmo or server or any connected database or make any ‘attack’ on Finmo. We won’t be legally responsible to you for any damage from viruses or other harmful material that you pick up via Finmo.

  1. Links From Finmo

Links from Finmo to other websites or applications s are for information only. We don’t control them and don’t accept responsibility for other applications or websites or any materials found upon them or any loss you suffer from using them.

  1. Variation

We change these terms from time to time and you must check them for changes because they are binding on you.

  1. Applicable Law

10.1      The Parties will use their best efforts to negotiate in good faith and settle any dispute that may arise out of or relate to this Agreement or any breach of it.

10.2      Any dispute shall not affect the Parties’ ongoing obligations under the Agreement.

10.3      The English courts have the only right to hear claims related to Finmo, and all disputes are governed by English law.

  1. Contact Us

Please email us at support@finmo.co.uk to contact us about any issues.