Terms of Service

Who We Are

Finmo is operated by Finmo Ltd, a UK limited company registered in England under company number 11079685. Our registered office is 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.

Our website is www.finmo.co.uk. For support, contact us at support@finmo.co.uk.

Payment

Payment for Finmo services is collected monthly or annually through the Finmo portal, facilitated by Stripe using a debit or credit card. In some cases, an invoice may be issued directly.

Where your service includes the preparation of a Self Assessment or Final Declaration, a separate fee is payable for this work. This is collected either by invoice or through the portal when that work begins.

All fees are set out in your service plan at the time of sign-up. Finmo reserves the right to update pricing with reasonable notice.

Cancellation and Refunds

There is no minimum contract term. You may cancel your subscription at any time by managing your plan within the Finmo portal under your plan details. You may also email support@finmo.co.uk to request cancellation.Cancellation will take effect at the end of your current billing period.

Work will cease if payment is not received or upon cancellation becoming effective. Finmo does not issue refunds for periods already paid, including in circumstances where information has not been provided, a bank feed has not been connected, or the service has not been actively used. It is your responsibility to ensure your account is set up and maintained so that the service can be delivered.

Use of the Finmo Platform

Access to the Finmo platform is provided to registered users aged 18 or over who are residents of the United Kingdom. Only one registration per person is permitted.

You must keep your login credentials confidential. If we believe your account security has been compromised, we reserve the right to suspend access without notice.

You must not use the Finmo platform in any way that is unlawful or that could damage, disable, or impair the service. We reserve the right to suspend or terminate access at our discretion.

Extended periods of inactivity may also result in account cancellation.

Intellectual Property

All intellectual property rights in the Finmo platform, including its software, design, and content, are owned by or licensed to Finmo Ltd. Nothing in this agreement transfers any intellectual property rights to you.

You may not copy, reproduce, or distribute any part of the platform without our prior written permission.

Data Protection

All personal data and financial information you provide will be held and processed securely in accordance with the General Data Protection Regulation (GDPR) and applicable UK data protection law. Our full privacy policy is available at https://finmo.co.uk/privacy-policy/.

Liability

Finmo does not guarantee the accuracy of any estimates or projections generated by the platform. To the fullest extent permitted by law, Finmo excludes liability for any loss of income, profit, data, or goodwill arising from use of the platform or the services provided under it.

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

Computer Misuse

Any attempt to introduce viruses or other harmful material, gain unauthorised access to the platform or its servers, or interfere with the operation of the service constitutes a criminal offence under the Computer Misuse Act 1990. We will report any such activity to the relevant authorities and provide them with your details.

Changes to These Terms

Finmo may update these terms from time to time. We will notify you of any material changes. Continued use of the service following notification constitutes acceptance of the updated terms.

Applicable Law

This agreement is governed by English law. The English courts have exclusive jurisdiction over any disputes arising from it. Both parties agree to attempt to resolve any dispute in good faith before pursuing legal proceedings.

Contact

For any questions or concerns about these terms or the service, please contact us at support@finmo.co.uk.