Last Updated: 28th June 2024

Welcome to TheFinAdvisor mobile App, a mobile application designed to assist you in managing your personal finances and achieving your financial goals with the aid of an AI financial advisor. Please read these Terms and Conditions (“Terms”) carefully before using the TheFinAdvisor mobile application (“Service”) operated by ThefinAdvisor (“us”, “we”, or “our”).

1. Acceptance of Terms

By accessing or using our Service, you agree to be bound by these Terms and all applicable laws and regulations. If you disagree with any part of the terms, you do not have permission to access the Service.

2. User Accounts and Data

• Account Creation: You must create an account to use our Service, providing accurate and complete information.

• User Profile: You may define your personal profile, values, priorities, lifestyle, and long-term goals.

• Financial Information: You may enter and update your financial details, including debts, assets, total income, and total expenses.

3. Modifications to Data

You have the right to modify or update your personal and financial data at any time through the app.

4. AI Financial Advisor

• Service Description: The AI financial advisor provides guidance based on the information you provide. It helps you set and manage financial goals but does not recommend specific financial products.

• Tasks and Goals: You can review goals, modify proposed amounts and due dates, and define tasks to achieve these goals. The AI will also propose tasks based on your set objectives.

• Updates and Progress: The AI requires updates on your goal progress and may adjust tasks and objectives accordingly.

5. Monetisation

TheFinAdvisor mobile app is provided to users free of charge. We do not monetize the app through advertisements, in-app purchases, or any other form of financial gain.

6. Data Privacy and Security

We are committed to protecting your privacy and securing your personal and financial information. Please refer to our Privacy Policy for more details.

7. Intellectual Property

All intellectual property rights in the Service and its original content, features, and functionality are owned by ThefinAdvisor or its licensors.

8. Termination

We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach the Terms.

9. Account Deletion

 You may delete your account and all associated data by following the steps outlined in our Privacy and Security Policy.

10. Limitation of Liability

Our Service is provided on an “as is” and “as available” basis. Neither ThefinAdvisor nor any affiliates shall be liable for any indirect, incidental, special, consequential or punitive damages resulting from your access to or use of, or inability to access or use the Service.

11. Amendments to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. We will provide at least 30 days’ notice prior to any new terms taking effect.

12. Governing Law

These Terms shall be governed and construed in accordance with the laws of Spain, without regard to its conflict of law provisions.

13. Contact Us

If you have any questions about these Terms, please contact us at [email protected].

Disclaimer

Financial Advice Disclaimer

• Guidance Only: TheFinAdvisor provides the TheFinAdvisor mobile application as a tool to assist users in financial planning and decision-making. The AI financial advisor within the app, referred to as “TheFinAdvisor,” does not provide specific recommendations on financial products in which to invest. Instead, TheFinAdvisor offers guidance to help users develop good financial habits and clarify any questions related to financial planning.
• Non-Regulated Services: The financial guidance provided by TheFinAdvisor through TheFinAdvisor mobile application is not regulated by any financial authorities. The advice and information offered by TheFinAdvisor are intended to support, not replace, personalized financial advice from a professional advisor.
• No Certification: TheFinAdvisor does not claim to be, nor intends to be, a certified personal financial advisor. The services provided by TheFinAdvisor through TheFinAdvisor mobile application do not encompass activities reserved for certified or licensed financial advisors.
• User Responsibility: Users are responsible for their own financial decisions. Users should consider obtaining independent financial advice from a certified professional if they require personalized guidance tailored to their specific circumstances.