These Terms and Conditions (“Terms”) govern your use of the Finabee mobile application (“App”), the website located at www.finabee.com (“Website”), and all related services provided by Finabee Ltd. (“Finabee,” “we,” “us”).
By accessing, downloading, or using the App or Website, you signify your agreement to be legally bound by these Terms. If you do not agree to these Terms, please do not use the Service.
Account Creation and Eligibility
To fully utilize the Service, you must create an account (“Account”). You represent and warrant that you:
Are of legal age to form a binding contract (at least 18 years old in the UK) OR have obtained valid parental or legal guardian consent if you a minor in your jurisdiction.
Will provide accurate and complete information during registration.
Are solely responsible for safeguarding your Account credentials and any activity occurring under your Account.
Acceptable Use
You agree to use the Service only for lawful purposes and according to these Terms. Prohibited conduct includes, but is not limited to:
Distributing harmful or offensive content (hate speech, threats, harassment)
Violating intellectual property rights or misusing confidential information
Attempting to circumvent security measures, reverse engineer, or damage the Service
Engaging in spamming, phishing, or other deceptive practices
Finabee reserves the right to suspend or terminate your Account and access to the Service at its discretion, without prior notice, if you violate these Terms.
Content Ownership and Intellectual Property
Finabee retains exclusive ownership of all intellectual property rights associated with the Service, including but not limited to:
App and Website text, design, graphics, logos, trademarks, code, and overall look and feel.
Educational materials, quizzes, and other proprietary content provided through the Service
You retain ownership of any original content that you submit to the Service (“User Content”). By submitting User Content, you grant Finabee a non-exclusive, worldwide, royalty-free, transferable license to use, copy, reproduce, distribute, display, and modify your User Content solely for the purposes of operating and improving the Service.
User-Generated Content
Certain features of the Service may allow you to post comments, participate in forums, or submit other forms of User Content. You understand and acknowledge that:
You are solely responsible for your User Content and the consequences of posting it.
Finabee does not pre-screen User Content but reserves the right to remove or edit any content that violates these Terms or is deemed inappropriate at its sole discretion.
User Content does not reflect the opinions of Finabee, and Finabee makes no representations or warranties about User Content.
In-App Rewards (“Honeypots”)
Honeypots are virtual points earned within the App by completing educational modules, engaging with the community, and other activities as determined by Finabee.
Honeypots can be exchanged for rewards within the App, such as digital downloads or other items determined by Finabee.
Finabee may set expiration dates or limitations on the use of Honeypots.
Honeypots hold no real-world monetary value and cannot be exchanged for cash.
Honeypots is designed as a motivational and engagement tool within the learning environment. Honeypots hold no real-world monetary value and cannot be exchanged for cash or used to facilitate financial transactions of any kind.
Competitions and Promotions
Eligibility: Competitions and promotions are generally open to individuals aged 18 or over. Specific contests may have additional eligibility requirements that will be clearly outlined.
Entry Mechanisms: Ways to enter will be specified for each competition, and may include:
Signing up for the Finabee waiting list
Engaging with Finabee’s social media accounts (e.g., liking, sharing, commenting)
Completing specific activities or achieving milestones within the app
Winner Selection: Winners may be selected:
Randomly: Using a random draw system.
Merit-Based: Winners will be selected by a panel of judges based on specified criteria (e.g., quality of forum contributions, leaderboard position)
Prizes: Prizes will be clearly described, along with their approximate retail value.
Notification and Claiming Prizes: Winners will be notified via email or direct message within 7 days of the draw or judging completion. Winners will have a specified time period to claim their prize, after which an alternate winner may be selected.
Additional Rules:
Limitations may be placed on the number of entries per person.
Finabee reserves the right to use user-submitted content for promotional purposes with the user’s consent.
User Data and Privacy
Commitment to Data Protection: Finabee is committed to protecting your personal information and complies with the General Data Protection Regulation (GDPR), the Data Protection Act 2018, and any other relevant data privacy regulations in the United Kingdom.
Please refer to the Privacy Policy for more information on this section.
Advertising and Affiliate Marketing
Acknowledgement: Finabee may display advertising within the App, primarily on the “parents” section.
Affiliate Marketing: Finabee may include affiliate links within blogs or promotional offers. If you make a purchase through an affiliate link, Finabee may receive a commission.
Disclaimer: Finabee does not control and is not responsible for the content, products, or practices of third-party websites accessed through advertising or affiliate links. Finabee is an educational platform aimed at fostering financial literacy and entrepreneurial skills in children. Its focus is on providing knowledge and encouraging positive habits, not on real-world financial transactions.
Modifications to the Service
Finabee’s Right to Modify Finabee reserves the right to modify, update, suspend, or discontinue the Service, or any portion thereof, at any time and without prior notice. This includes adding or removing features, changing pricing, or temporarily restricting access for maintenance.
Notice: Finabee will make reasonable efforts to notify you of significant changes to the Service. Notifications may occur via email, in-app notifications, updates within these Terms, or a combination of these methods.
Liability Limitations
Disclaimer of Warranties: The Service is provided on an “as-is” and “as-available” basis. Finabee makes no representations or warranties of any kind, express or implied, regarding the operation of the Service, its content, or any information or materials made available through it. This includes implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
Limitation of Liability: To the maximum extent permitted by law, Finabee shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the Service. This includes damages for loss of profits, data, reputation, or any other intangible losses. If any part of this limitation of liability is found invalid, Finabee’s liability will be limited to the fullest extent allowed by law.
Indemnification
You agree to indemnify, defend, and hold harmless Finabee, its affiliates, officers, directors, employees, agents, and partners from any claims, losses, damages, liabilities, including legal fees and expenses, arising from your use of the Service, your violation of these Terms, or your violation of the rights of any third party.
Termination
Finabee’s Right to Terminate: Finabee reserves the right to terminate or suspend your Account and access to the Service immediately, without prior notice or liability, if you violate these Terms or any applicable laws and regulations. We may also terminate your Account for inactivity or other reasons at our sole discretion.
Effect of Termination: Upon termination, your right to use the Service will immediately cease. You will be responsible for any outstanding fees or payments associated with your Account before the termination date.
Dispute Resolution
Governing Law: These Terms and any disputes arising out of or relating to them shall be governed by and construed in accordance with the laws of England and Wales.
Negotiation: In the event of a dispute, the parties agree to initially attempt good faith negotiation to resolve the matter.
Mediation: If negotiation fails, either party may request mediation through an agreed-upon mediator in an attempt to resolve the dispute amicably.
Arbitration: If mediation is unsuccessful, any unresolved controversy or claim shall be resolved by binding arbitration in accordance with the London Court of International Arbitration.
Court Proceedings: If all else fails, legal proceedings may be pursued in the courts of England and Wales and both parties submit to exclusive jurisdiction.
Notices and Communications
Finabee’s Communications: Finabee may communicate with you electronically regarding the Service, including notices, updates, or promotional offers. This may be through email, in-app notifications, or other methods as determined by Finabee.
Your Contact Information: It is your responsibility to ensure your contact information in your Account is accurate and up to date.
Contacting Finabee: For questions, feedback, or to communicate with Finabee, please use the following contact methods:
If any provision of these Terms is deemed invalid or unenforceable by a court of competent jurisdiction, that provision shall be severed from these Terms, and the remaining provisions will remain valid and enforceable.
Entire Agreement
These Terms, along with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Finabee regarding the use of the Service. They supersede any prior representations, agreements, or understandings, whether oral or written.
Age of Digital Consent (UK)
Data Rights of Minors: Finabee acknowledges the age of digital consent in the UK, as defined by the Data Protection Act 2018, and respects the data privacy rights of minors. If services are offered to children under this age, mechanisms will be in place to comply with relevant laws and seek appropriate consent.
Online Gambling Regulations
Distinctions from Gambling: Finabee’s competitions and reward systems are designed to be educational and engaging. They are not considered gambling under UK law. Finabee will make clear distinctions between its reward programs and any activities that involve gambling.
Accessibility
Commitment: Finabee strives to make the Service reasonably accessible to individuals with disabilities. We aim to follow accessibility guidelines such as the Web Content Accessibility Guidelines (WCAG).
Feedback Welcomed: If you encounter accessibility barriers, please contact support at [support email address]. We welcome your feedback and will work towards making improvements.
Changes to Terms and Conditions
Finabee’s Right to Update: Finabee reserves the right to update or modify these Terms at any time.
Notification: If significant changes are made, Finabee will endeavor to notify you through appropriate channels (email, in-app notifications, updates within this document).
Continued Use Implies Acceptance: Your continued use of the Service following modifications to the Terms signifies your acceptance of the revised Terms.
