Terms & Conditions
Effective Date: 26 March 2025
Welcome to Financiv LTD ("Financiv", "we", "our"). By accessing or using our website at https://www.financiv.com (the "Site") and our services (collectively, the "Services"), you agree to these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.
1. Eligibility
- You must be at least 18 years old to use our Services.
2. Description of Services
Financiv provides insights displayed in charts based on your transaction history and offers a blog where we explore various financial topics. Our services include features such as:
- Bank account linking via third-party providers.
- Manual transaction input.
- Budgeting tools.
- Premium subscription-based features.
3. User Responsibilities and Restrictions
- Users must not engage in any fraudulent activity or misuse the Services.
- You are responsible for maintaining the confidentiality of your account credentials.
- You agree to comply with all applicable laws and regulations when using our Services.
4. Subscription, Payments, and Cancellation
- Trial: We offer a 7-day trial for new users.
- Subscription: The Services are provided on a monthly subscription basis.
- Payment: Subscription payments will recur monthly.
- Refunds: We do not offer refunds once a subscription period has commenced.
- Price Changes: We may increase subscription prices; however, we will inform users at least 2 months in advance.
- Cancellation: Users can renew or cancel their subscription via their account settings or by contacting us at [email protected].
5. Disclaimers and Limitations of Liability
- The content, tools, and resources on Financiv are provided solely for informational and educational purposes and should not be considered professional financial or investment advice.
- The information provided is based on user input and other third-party data, and while we strive for accuracy, we do not guarantee its completeness or applicability to individual circumstances.
- Users should consult a professional financial advisor before making any significant financial decisions.
- Financiv will not be held liable for any errors, omissions, or any losses incurred as a result of using our Services.
6. Governing Law
- These Terms are governed by and construed in accordance with the laws of the United Kingdom.
7. Modifications to These Terms
- We reserve the right to update or modify these Terms at any time. Changes will be effective immediately upon posting on the Site. Your continued use of the Services constitutes acceptance of any revised Terms.
8. Contact Information