Terms of Service

Last Updated: 19 March 2026

1. Introduction

These Terms of Service ("Terms") govern your use of the FinaviHub platform and services ("Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

2. Financial Information Disclaimer

2.1 Educational Purpose Only. FinaviHub provides financial planning tools and information for educational purposes only. Nothing on this platform constitutes financial, investment, tax, or legal advice.

2.2 Not a Recommendation. No content or output on FinaviHub should be interpreted as a recommendation to buy, sell, or hold any financial product or to adopt any financial strategy.

2.3 Personal Decisions. All financial decisions you make are your own responsibility. We strongly encourage you to consult a qualified financial adviser before acting on any information from this platform.

2.4 Past Performance. Past performance is not indicative of future results. The value of investments can go down as well as up.

2.5 Projections are Estimates. The forecasting tools, calculators, and AI coaching features provide estimates based on your inputs and modelled assumptions. Actual results may differ significantly. These outputs are illustrative only.

2.6 No Guarantees. We do not guarantee the accuracy, completeness, or timeliness of any information on the platform.

3. User Accounts

3.1 Account Registration. You must provide accurate information when creating an account. You are responsible for keeping your account details up to date.

3.2 Account Security. You are responsible for keeping your password secure and for all activity under your account. Do not share your credentials with anyone. Contact us immediately at contact@finavihub.com if you suspect unauthorised access.

3.3 Account Restrictions. You may not use a username that impersonates another person, infringes on third-party rights, or is offensive or misleading.

4. Your Data and Content

4.1 Your data belongs to you. The financial information you enter into FinaviHub (income, expenses, goals, investments, etc.) remains yours. We process it solely to provide you with the Service — to generate insights, projections, and coaching responses personalised to your situation.

4.2 How we use your data. We do not sell your data, share it with advertisers, or use it for any purpose other than operating the Service on your behalf. See our Privacy Policy for full details.

4.3 Platform content. All other content, features, and functionality of the Service (tools, design, written content, and underlying code) are the property of FinaviHub and may not be copied, reproduced, or redistributed without permission.

5. Prohibited Uses

You agree not to use the Service:

• In any way that violates applicable law or regulation
• To impersonate FinaviHub, another user, or any other person or entity
• To attempt to gain unauthorised access to any part of the platform or its infrastructure
• To transmit spam, malware, or other harmful content
• In any way that could damage, disable, or impair the Service

6. Termination

We may suspend or terminate your account if you breach these Terms. If you wish to close your account and have your data deleted, contact us at contact@finavihub.com.

7. Limitation of Liability

To the maximum extent permitted by applicable law, FinaviHub shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of or inability to use the Service, including any financial decisions made based on information or projections provided by the platform. You use the Service at your own risk.

8. Governing Law

These Terms are governed by the laws of England and Wales. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to apply.

9. Changes to These Terms

We may update these Terms from time to time. Continued use of the Service after changes are posted constitutes acceptance of the updated Terms. We will update the date at the top of this page when changes are made.

10. Contact

If you have any questions about these Terms, please contact us at: