Terms and Conditions

  • Terms and Conditions

Last Modified: November 06, 2024

 

Welcome to Money Owls, a marketplace that connects individuals seeking financial guidance to financial advisers within the United Kingdom. These Terms and Conditions and our Privacy Policy (collectively referred to as the “Agreement”) govern your access and use of the website located at www.moneyowls.co.uk (the “Website”), the Money Owls mobile application available through the Google Play Store and Apple App Store (the “App”) including all services and content provided through the Website and the App, collectively referred to as the “Platform.”

 

By registering an account on the Platform and using any services provided through the Platform, you agree to comply with this Agreement. Please read these Terms and Conditions carefully as they set out the rights, responsibilities, and obligations of both individuals seeking financial guidance and Financial Advisers, as well as the limits of Money Owls’ liability as the Platform operator.

 

IF YOU DO NOT ACCEPT ALL THE TERMS AND CONDITIONS, PLEASE REFRAIN FROM USING THE PLATFORM.

 

1. Definitions and Interpretation

  • 1. The following words beginning with a capital letter, wherever used in these Terms and Conditions, shall have the meaning as defined hereunder:

 

“Adviser” or “Financial Adviser” refers to qualified individuals who register an Adviser Account on the Platform (as defined in clause 4) to provide Financial Guidance or Coaching services to Clients.

 
“Client” refers to any individual who registers a Client Account on the Platform as defined in the Money Owls Terms and Conditions.

 
“Call Monitoring” refers to the practice of recording and reviewing calls between a Client and an Adviser, with Client consent, for quality control and compliance purposes.

 
“Call Session” refers to a prearranged video conference facilitated through the Platform, conducted between the Client and an Adviser. The duration of these Call Sessions may be selected by the Client at the time of their In-App Purchase.

 
“Financial Guidance or Coaching” refers to general guidance provided by Advisers based on hypothetical scenarios or general principles, that does not fall within the ambit of a regulated activity as covered by the Financial Conduct Authority (FCA).

 
“In-App Purchases” refers to the purchases as described in Clause 6 of these Terms and Conditions.

 
“Lead Handling Process” refers to the formal procedure that allows an Adviser to acquire a Client’s contact information from Money Owls.

 
“Login Credentials” means the username and password that enable a user to sign in to their Account and access the Platform features and functionality.

 
“Money Owls” refers to the operator of the Platform.

 
“Platform” refers to the Website and Mobile Application through which Financial Guidance or Coaching services are provided by an Adviser to a Client.

 
“User” refers collectively to all individuals who register and use the Platform, including both Clients and Advisers.

 
“You” or “Your” refers to the individual User using the Platform, whether as a Client or a Financial Adviser, as applicable in the given context.

 

 

  • 2. The use of any masculine, feminine, or neuter gender and the singular or plural numbers in these Terms and Conditions shall refer to the gender and number as the context requires.

 

  • 3. Any words or expressions used in these Terms and Conditions not defined above shall have the respective meanings given to them in these Terms and Conditions.

 

2. Eligibility

You may only access the Platform if you are at least eighteen (18) years of age and you have the capacity to enter into a binding legal agreement. Please note that you are strictly prohibited from accessing/using the Platform if you are under 18 years of age.

 

3. Services

  • 1. The Platform operates as an online marketplace designed to connect Client with Financial Advisers and facilitate the provision of Financial Guidance or Coaching by Advisers to Clients through the Platform’s integrated video call and messaging functionality. Clients who wish to receive Financial Guidance or Coaching from an Adviser on the Platform can purchase either one-off Call Sessions or subscribe to recurring monthly Call Sessions with Advisers.

 

  • 2. Please note that the Financial Guidance or Coaching provided by Advisers to Clients through the Platform is general in nature and is not tailored to any Client’s specific financial circumstances. Accordingly, any information provided by Advisers through the Platform does not constitute financial advice or services as regulated by the Financial Conduct Authority (FCA) of the United Kingdom.

 

  • 3. By using the Platform, the User acknowledges and agrees that:
    • 3.1. Money Owls provides the Platform to facilitate Call Sessions between Clients and Advisers solely for Financial Guidance or Coaching, serving as a neutral marketplace where independent Financial Advisers may share their knowledge with Clients. Money Owls does not endorse, recommend, or warrant any specific Financial Adviser or any guidance provided on the Platform. Acceptance of a Financial Adviser’s account on the Platform is based solely on information provided by the Adviser and does not constitute an endorsement, verification, or approval by Money Owls. Although Money Owls requests that Advisers upload their industry qualification documents and reviews their publicly available information, Money Owls does not independently verify or guarantee the identity, qualifications, skills, or experience of any Financial Adviser, nor does it conduct comprehensive background checks or assess the quality of Financial Guidance or Coaching provided by Advisers. Money Owls makes no guarantees regarding the accuracy, suitability, or reliability of any guidance or information offered by Financial Advisers. By using the Platform, Users agree to independently evaluate the appropriateness and reliability of any Financial Adviser before purchasing a Call Session.

 

    • 3.2. Money Owls may, with the Client’s express consent, share the Client’s contact information with FCA-regulated Financial Advisers solely to facilitate contact between the parties outside the Platform, should the Client choose to pursue regulated financial advice.

 

    • 3.3. Money Owls does not act as an agent or representative for any User and holds no responsibility for Users’ actions or omissions.

 

    • 3.4. Money Owls disclaims any liability for the actions, omissions, or conduct of any User on the Platform, including, but not limited to, the content and outcomes of any messages, Call Sessions, or interactions between Advisers and Clients.

 

UNLESS EXPRESSLY SPECIFIED OTHERWISE, MONEY OWLS RESPONSIBILITY IS LIMITED TO PROVIDING THE PLATFORM’S FEATURES AND FUNCTIONALITY IN ACCORDANCE WITH THE PROVISIONS OUTLINED IN THESE TERMS AND CONDITIONS.

 

4. Account Registration, Privacy and Safety

  • 1. Account and Profile

    • 1.1. Users are required to sign up for an account to make use of the Platform features and functionality. Users can sign up for an account by downloading the App from Google Play or Apple App Store.
    • 1.2. If you are a Client seeking Financial Guidance or Coaching, you can sign up for a client account (the “Client Account”) by providing your full name, date of birth, email address, phone number and other information requested during your account registration and profile set-up.
    • 1.3. If you are a Financial Adviser, you can sign up for a Financial Adviser account (the “Adviser Account”) by providing all requested personal and professional information during your account registration and professional profile set-up.
    • 1.4. Both Client Accounts and Adviser Accounts are collectively referred to as “User Account/s”.
    • 1.5. You acknowledge and agree that any information You provide to Money Owls during Your Account and profile set-up will always be accurate, correct and up to date. You are responsible for keeping all your personal and professional information (as applicable) current and complete on your Account.
    • 1.6. You acknowledge and agree that Money Owls reserves the right to terminate your Account and/or suspend or terminate you from accessing the Platform without notice if you provide misleading, false, deceptive, inaccurate and/or outdated personal or professional information.

 

  • 2. Account Approval

We issue all Accounts at our sole discretion. We reserve the right to refuse Account registration without providing reasons.

 

  • 3. Your Privacy

Money Owls processes all Your personal information in accordance with its Privacy Policy. By providing Money Owls with Your personal information, you represent and warrant that all such information is accurate, complete, and current. Please carefully review Money Owls Privacy Policy before creating your Account, and do not submit any personal information if you do not agree with the Privacy Policy.

 

  • 4. Account Security

You are responsible for all activities that occur under Your Account. It is Your responsibility to maintain the confidentiality of Your Account Login Credentials to prevent unauthorised access to Your Account. In the event of any unauthorised access to Your Account or any other suspicious activity, You agree to immediately report such incidents to hello@moneyowls.co.uk. You release Money Owls from any liability, claims, demands, losses, damages, costs, liabilities, and expenses, whether direct or indirect, arising from or connected with such unauthorised access.

 

  • 5. Compliance

By using the Platform, you agree to comply with all applicable UK laws and regulations.

 

  • 6. Data Charges

Please note that using the Platform requires access to the Internet, and Money Owls will not be responsible for any data connectivity charges you incur during your use of the Platform. All such charges are solely your responsibility.

 

5. Clients

As a Client, you acknowledge and agree that

  • 1. Your Client Account grants You access to the Platform, enabling You to browse and select an Adviser to provide Financial Guidance or Coaching. To book a Call Session, You must complete an In-App Purchase, selecting either a single session or a package of twelve monthly sessions.
  • 2. Money Owls does not offer or authorise FCA-regulated financial advice through the Platform; all Financial Guidance or Coaching provided by Advisers through the Platform is general and educational in nature and does not replace FCA-regulated financial advice tailored to your personal circumstances.
  • 3. The application of general financial principles or information You receive from Advisers through the Platform to Your unique financial circumstances is a complex task and may lead to unforeseen risks. The Platform is not designed to provide personalised financial advice, and any decision to apply such general Financial Guidance or Coaching to Your specific financial situation is made solely at Your own risk. Money Owls expressly disclaims, to the fullest extent permitted by law, any and all liability for losses, damages, or adverse outcomes that may arise from Your application of such Financial Guidance or Coaching to Your specific financial situation. You agree to indemnify and hold harmless Money Owls, its officers, employees, and agents from and against any and all claims, liabilities, damages, losses, or expenses, including legal fees and costs, arising out of or in any way connected with Your application of Financial Guidance or Coaching to Your specific financial situation.
  • 4. Call Sessions may be recorded and monitored with Your consent for quality control, compliance, and security purposes. Call recordings are intended solely to improve the quality of the Platform’s services and ensure adherence to these Terms and Conditions.
  • 5. If you consent to be contacted by an FCA-regulated Financial Adviser outside the Platform, Money Owls may share your contact details with an appropriately qualified Adviser. Any interactions you have outside the Platform with such Financial Adviser are not governed by these Terms and Conditions and are solely between You and such Financial Adviser.
  • 6. Adviser profiles on the Platform may include transaction-based ratings and reviews from the Advisers’ previous Clients who completed a Call Session through the Platform. All past Client ratings and reviews are the personal opinions of those Clients and not the opinions of Money Owls. Money Owls does not evaluate the credibility and reliability of any ratings and reviews on the Platform.
  • 7. Money Owls does not guarantee the accuracy, completeness, or suitability of any Financial Guidance or Coaching, or other information provided by Advisers on the Platform. Clients acknowledge and agree that any information, guidance, or coaching received from Advisers is general in nature, educational only, and may not be applicable to specific financial circumstances. Money Owls does not verify or validate any information or guidance provided by Advisers and is not liable for any actions taken by Clients based on such information.
  • 8. Money Owls reserves the right, at its sole discretion, to suspend or terminate your Platform access if it believes you are exploiting or misusing Platform access or services in any way.

These acknowledgements and indemnity made by You form the basis of Your Agreement with Money Owls.

 

6. Payments for Call Sessions

  • 1. Pricing and Changes

Money Owls reserve the right to change its fees for Call Sessions at any time at its sole discretion. In the event of any changes in the fees, Money Owls will notify Users by posting a notice on the Platform and/or by sending an email informing the Users of the new pricing. Any changes in the fees will not impact any Call Sessions already purchased by the Clients. All new fees will only become effective from the date of the next purchase. If you do not agree with any changes to our fees, please do not proceed with the purchase.

 

  • 2. Payments, Cancellations and Refunds

    • 2.1. All payments for Call Sessions on the Platform are processed securely through the relevant App Store i.e., Google Play for Android devices and the Apple App Store for iOS devices. To book a one-off Call Session or subscribe to a monthly Call Session package, You agree to complete Your purchase through the In-App Purchase/billing system provided by these App Stores, which will handle the transaction directly.
    • 2.2. Please note that all in-app payments are governed by the terms and conditions of the App Store (Google Play or Apple App Store) from where you downloaded your Money Owls mobile application. By completing a purchase, you agree to comply with the relevant App Store’s policies and terms of service.
    • 2.3. The App is currently only available in the United Kingdom. Any applicable fees and charges, including taxes and service fees, are determined by the relevant App Store and will be displayed at the time of Your purchase. You are responsible for ensuring that any payment method linked to your App Store account is valid and up to date.
    • 2.4. Transactions will be processed in the currency specified by your App Store account, and the payment method will be as selected in your account settings.
    • 2.5. Clients who subscribe to a twelve-month Call Session package are billed at the start of each month for that month’s Call Session. Clients may cancel their subscription at any time before the next month’s billing date to avoid being charged for the following month.
    • 2.6. Clients may cancel a scheduled Call Session at any time up to 24 hours before the Call Session’s start time and request a refund. If a Client cancels within 24 hours of the scheduled Call Session start time or if the Client is no-show for a scheduled Call Session, that Call Session will be deemed as completed by the Adviser.
    • 2.7. Any refund requests, if applicable, must be directed to Money Owls and will be processed in accordance with our refund policy.
    • 2.8. Receipts or invoices for successful transactions will be generated and provided directly by the relevant App Store. Money Owls does not issue separate invoices or receipts for In-App Purchases made through these App Stores.
    • 2.9. Money Owls disclaims any responsibility for issues arising from the App Store’s transaction processing. For assistance with In-App Purchases, users are directed to refer to the relevant App Store’s support services.

By using the Platform and making a purchase, you acknowledge and agree to these payment processing terms.

 

7. Advisers

  • 1. Advisers’ Rights and Obligations

    • 1.1. Advisers are granted access to the Platform to offer Financial Guidance or Coaching services to Clients. Advisers are solely responsible for maintaining the accuracy and integrity of their profiles, ensuring that all qualifications, experience, and other relevant details displayed on their profile are truthful, complete, and up-to-date.

 

    • 1.2. Advisers are solely responsible for their interactions with Clients, including during Call Sessions and through any messages exchanged via the Platform. Advisers agree to maintain a professional demeanour in all interactions with Clients, avoiding any conduct that may be deemed inappropriate, disrespectful, or harmful.

 

    • 1.3. While providing Financial Guidance or Coaching, Advisers must ensure that all information is general in nature, suitable for educational purposes, and does not constitute specific regulated financial advice tailored to a Client’s unique financial circumstances. For the avoidance of any doubt, Advisers understand and agree that the Platform is intended for Financial Guidance or Coaching only and does not support the provision of any FCA regulated activity. Advisers must refrain from offering specific, personalised financial recommendations that fall under regulated financial advice unless interacting with a Client outside of the Platform as set forth in these Terms and Conditions.

 

    • 1.4. Advisers agree not to request Clients to provide their direct contact information during Call Sessions or via any messaging features on the Platform. All communication between Advisers and Clients must remain exclusively on the Platform, except in instances where an Adviser has purchased a lead from Money Owls following the Lead Handling Process outlined in clause 8. Any breach of this clause may result in Adviser’s immediate removal from the Platform and forfeiture of any Earnings derived from the Platform.

 

    • 1.5. Advisers are required to handle all Client data in strict compliance with applicable data protection laws. Advisers may only use the Lead information to contact the Client to offer regulated financial advice outside of the Platform. Advisers shall not disclose, share, or use any Client information outside the intended scope or authorised communication without the Client’s express consent, except as required by law.

 

    • 1.6. Advisers are responsible for ensuring compliance with all applicable laws and regulations, including but not limited to data protection. Advisers are prohibited from engaging in conduct that may be deemed fraudulent, misleading, or harmful to Clients or Money Owls.

 

    • 1.7. Money Owls reserves the right to suspend or terminate the access of any Adviser to the Platform in cases of breach of these Terms and Conditions, complaints from Clients, or conduct deemed inappropriate by Money Owls. Money Owls may, at its discretion, review Adviser profiles and activities on the Platform to ensure adherence to these responsibilities.

 

    • 1.8. Advisers acknowledge and agree that they act as independent contractors on the Platform and not as agents, employees, or representatives of Money Owls. Nothing in these Terms and Conditions shall create any partnership, agency, employment, or joint venture relationship between Money Owls and Advisers.

 

    • 1.9. Subject to Clause 7.1.4, Financial Advisers are entitled to receive seventy percent (70%) of the Net Revenue (as defined in clause 7.2.2) from the Call Sessions they conduct on the Platform in accordance with the provisions of Clause 7.2 below.

 

    • 1.10. Advisers agree to indemnify and hold harmless Money Owls, its affiliates, officers, employees, and agents from any claims, damages, losses, or expenses, including reasonable legal fees, arising out of or related to their use of the Platform, provision of Financial Guidance or Coaching, or any breach of these Terms and Conditions.

 

  • 2. Earnings

    • 2.1. Advisers on the Platform shall receive seventy percent (70%) of the Net Revenue (defined in Clause 7.2.2) generated from the Call Sessions delivered through the Platform. The remaining thirty percent (30%) of the Net Revenue will be retained by Money Owls as Platform fee.

 

    • 2.2. Net Revenue: The net revenue is calculated by subtracting the payment processor’s commission from the total payment received for the Call Sessions (one-off or annual subscription) from the Client.

 

    • 2.3. Following the completion of each Call Session, the Platform will automatically record the call’s duration as proof of service delivery. Payments to Advisers for completed Call Sessions will be disbursed daily based on the number of recorded sessions completed each day.

 

    • 2.4. Unless required by applicable law, Money Owls will not be responsible for withholding and remitting any taxes from payments made to Advisers. Advisers are solely responsible for the payment of the taxes incurred on their earnings from the Platform.

 

    • 2.5. Money Owls reserves the right to review and modify the revenue sharing model at its discretion. Any changes will be communicated to Advisers in advance and will take effect for future transactions.

 

  • 3. Monitoring Communication

    • 3.1. Call Monitoring: Advisers acknowledge and agree that Call Sessions may be recorded with the Client’s consent for purposes of quality control and compliance with these Terms and Conditions. By using the Platform, Advisers consent to such Call Monitoring, which will be securely stored in compliance with the Data Protection Act of 2018.

 

    • 3.2. Advisers further acknowledge and agree that in-app messages exchanged with Clients on the Platform may also be monitored for compliance, quality assurance, and security purposes, as required by the Platform and these Terms and Conditions.

 

8. Lead Handling Process

  • 1. At the conclusion of a Call Session, an Adviser may indicate if they believe the Client could benefit from FCA-regulated financial advice beyond the general Financial Guidance or Coaching services offered through the Platform. When this occurs, the Adviser must follow the Platform’s Lead Handling Process as outlined herein, which is designed to enable a secure and compliant transfer of the Client’s contact information to a Financial Adviser. The process begins with a notification that will appear to the Client, explaining the option to be contacted directly by a regulated Financial Adviser outside of the Platform.

If the Client explicitly consents, the Platform will first offer the Adviser who identified the need the opportunity to purchase the lead, allowing them to access the Client’s contact information. If this Adviser does not proceed with the purchase, the lead will become available for sale to a wider pool of Advisers, offered on a first-come, first-served basis.

 

Should the Client decline the option to be contacted by a regulated Adviser, their personal information will remain private and will not be shared with any Adviser.

 

  • 2. The Adviser acknowledges and agrees that Client contact information obtained following the Lead Handling Process is strictly for the purpose of offering regulated financial advice outside of the Platform and must be handled according to the Data Protection Act of 2018. The Client information may not be shared, disclosed, or used by Advisers for purposes beyond the specific Client request.

 

  • 3. Once a Client’s contact information is provided to an Adviser through the Lead Handling Process, all subsequent interactions between the Client and Adviser occur independently of Money Owls and fall outside the Platform’s Terms and Conditions. Money Owls is not responsible for any financial advice provided, actions taken, or agreements made between the Client and Adviser after the transfer of Client’s contact information. For the avoidance of any doubt, if a Client consents to be contacted by an FCA-regulated Adviser and the Adviser purchases the Client’s information as a lead, Money Owls disclaims any liability for any advice or transactions conducted outside the Platform.

 

9. User Responsibility

Both Clients and Advisers acknowledge and agree that their use of the Platform is entirely at their own risk. Clients are solely responsible for evaluating the appropriateness of any Financial Guidance or Coaching received through the Platform before acting on it. Similarly, Advisers are responsible for ensuring that the guidance or coaching they provide does not constitute financial advice. Money Owls shall not be responsible or liable for any claims, losses, or damages arising from a Client’s reliance on an Adviser’s guidance, or from an Adviser’s interaction with a Client, whether on or off the Platform.

 

10. User Content

  • 1. All content that is posted on the Platform by the Users, including but not limited to Adviser Profiles, Ratings and Reviews forms part of the user content (“User-Generated Content”). User-Generated Content is not deemed confidential and may be made available to the intended recipients/users on the Platform.
  • 2. User-Generated Content does not include any content, material, resources, software code, and the like that is created or owned by Money Owls or its Licensors.
  • 3. By uploading, posting, or submitting Your User-Generated Content on or through the Platform, you represent and warrant that you are the owner of your User-Generated Content, or you have all rights, licenses, consents, and authority required to upload, post, or submit such User-Generated Content on the Platform. You further represent and warrant that your User-Generated Content does not infringe or violate any intellectual property, proprietary, privacy, or publicity rights of another person and/or any applicable laws or regulations.
  • 4. You grant Money Owls a non-exclusive, irrevocable, royalty-free, perpetual, worldwide, sub-licensable, and transferable license to use, copy, publish, reproduce, prepare derivative works of, distribute, modify or otherwise exploit your User-Generated Content without limitation or obligation to compensate you.
  • 5. Money Owls reserves the right to monitor, edit, or remove any User-Generated Content from the Platform that violates these Terms and Conditions, but we are not under any legal obligation to do so. Our failure to exercise our rights does not result in a waiver of such rights.
  • 6. Money Owls will not be liable for any errors, omissions, or inaccuracies in any User-Generated Content. You hereby release Money Owls from all liability arising out of or associated with your use of any User-Generated Content available on the Platform.

 

11. Intellectual Property

  • 1. All content made available by Money Owls through the Platform, including, without limitation, the text, graphics, logos, trademarks, audio, video, interactive features, software, and the like, are owned by and/or licensed to Money Owls by its licensors and subject to trademark, copyright, and other intellectual property laws and conventions (“Money Owls Content”). You are prohibited from removing any copyrights, trademarks or other similar proprietary notices from any Money Owls Content. You acknowledge and agree that any infringing use or exploitation of copyrighted content may cause us, our affiliates, or licensors irreparable injury and, therefore, Money Owls and its licensors may seek remedy for breach of this provision either in equity or through injunctive relief.

 

  • 2. Nothing in these Terms and Conditions transfers any rights in Money Owls Content to you except the limited right to access and use Money Owls Content and the Platform in accordance with the provisions of these Terms and Conditions. Money Owls reserves all rights that are not expressly granted herein. Any license granted herein shall immediately terminate if you cease to be an account holder on the Platform.

 

12. User Conduct

You agree and acknowledge that:

  • 1. you are solely responsible for the activity that occurs under your Account;
  • 2. you have the sole responsibility to protect your Account Login Credentials.
  • 3. you will use the Platform as permitted by:
    • 3.1. these Terms and Conditions; and
    • 3.2. applicable law, regulation or generally accepted practices or guidelines;
  • 4. your Account is non-transferable;
  • 5. any use of your Account by another person, or third party, is strictly prohibited;
  • 6. appropriate legal action will be taken by Money Owls for any illegal or unauthorised use of the Platform;
  • 7. you must not:
    • 7.1. expressly or impliedly impersonate another Individual at any time;
    • 7.2. use the Platform for any illegal and/or unauthorised use;
    • 7.3. provide false information during your use of the Platform;
    • 7.4. use the Platform unlawfully or in a manner that violates these Terms and Conditions or any applicable laws or regulations;
    • 7.5. circumvent or hack into any part of the Platform to access data not intended for you;
    • 7.6. engage in conduct or access the Platform in a way that will impose an unreasonable or large burden of traffic demands on Money Owls;
    • 7.7. create derivative works of the Platform or develop an application that closely resembles or directly copies the Platform in a way that could cause confusion about whether the service is provided by Money Owls.
    • 7.8. resell, distribute, transfer, modify, lease, encumber or export the software associated with the Platform;
    • 7.9. automate the use of the Platform.

 

13. Account Termination

  • 1. Termination by User

You may terminate your Account at any time by accessing your Account settings. Please note that if you are an Adviser you will not be able to terminate your Account if you have any pending/incomplete Call Sessions or earnings that have not been remitted.

 

  • 2. Termination by Money Owls

Money Owls reserves the right to terminate Your Account or restrict/suspend your access to the Platform at any time at our sole discretion. Any termination or suspension of Your Account shall not relieve you of your obligations that arose or accrued prior to such termination or suspension. If Your Account has been terminated by Money Owls, you understand that you are strictly forbidden from:

  • 2.1. Creating a new Account;
  • 2.2. Accessing the Platform through another User’s Account;
  • 2.3. Accessing the Platform through any other unauthorised mechanism.

 

14. Android and iOS Disclaimer

  • 1. The App may only be downloaded through the Google Play or Apple App Store;
  • 2. Google Play is owned and operated by Google, Inc., and the App Store is owned and operated by Apple, Inc. Google, Inc., and Apple, Inc., are hereinafter referred to as the “App Store”;
  • 3. By downloading the App on your device, you further agree to abide by the relevant App Store’s legal terms and conditions;
  • 4. Neither of the App Store is a party to this Agreement;
  • 5. Neither App Store offers any warranties for the App, and they will not be responsible for the maintenance of the App or provision of any support services for the App;
  • 6. By downloading the App, you represent and warrant that you are not located in a country that is subject to a U.S. government embargo or a country that has been designated as a “terrorist supporting” country by the U.S. government;
  • 7. By downloading the App, you represent that you are not listed on any U.S. government list of prohibited or restricted parties;
  • 8. The App Store will not be responsible for any claims, losses, liabilities, damages, or expenses relating to the App;
  • 9. Any claims or disputes relating to the App must be brought against Money Owls only;
  • 10. The App Store is a third-party beneficiary of this Agreement with the right to enforce this Agreement against you.

 

15. Disclaimer of Warranties

THE PLATFORM AND ALL INFORMATION THEREIN IS PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, EXCEPT AS REQUIRED BY APPLICABLE LAW. MONEY OWLS DOES NOT OFFER ANY WARRANTIES THAT THE PLATFORM: (A) WILL MEET YOUR REQUIREMENTS; (B) WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; (C) WILL BE ACCURATE, RELIABLE, COMPLETE, OR SAFE; OR (D) ANY DEFECTS OR ERRORS WILL BE CORRECTED. TO THE FULLEST EXTENT PERMITTED BY LAW, MONEY OWLS DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

 

MONEY OWLS DOES NOT GUARANTEE ANY SPECIFIC RESULTS FROM THE USE OF THE PLATFORM. IN NO EVENT SHALL MONEY OWLS BE LIABLE FOR ANY LOSS OR DAMAGE RESULTING FROM THE USE OF THE PLATFORM, ANY CONTENT AVAILABLE THROUGH THE PLATFORM, OR ANY USER CONDUCT, WHETHER ONLINE OR OFFLINE. YOUR USE OF THE PLATFORM IS ENTIRELY AT YOUR OWN RISK.

 

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MONEY OWLS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (A) THE USE OR INABILITY TO USE THE PLATFORM; (B) ANY FINANCIAL GUIDANCE OR COACHING, OR OTHER INFORMATION RECEIVED FROM ADVISERS; (C) ANY INTERACTIONS BETWEEN USERS, INCLUDING ANY AGREEMENTS OR DISPUTES THAT MAY ARISE; (D) UNAUTHORISED ACCESS TO ANY DATA; OR (E) ANY OTHER MATTER RELATING TO THE PLATFORM OR SERVICES PROVIDED THROUGH THE PLATFORM, EVEN IF MONEY OWLS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

 

17. Indemnity

Users agree to indemnify and hold harmless Money Owls, its officers, employees, and agents from and against any and all claims, liabilities, losses, damages, expenses, and costs (including reasonable attorneys’ fees) arising out of or related to User’s (a) breach of these Terms and Conditions, (b) misuse of the Platform, or (c) any Financial Guidance or Coaching provided or received through the Platform.

 

18. Governing Law and Jurisdiction

  • 1. This Agreement and any dispute or claim arising out of or in connection with it or its subject matter or formation shall be governed by and construed in accordance with the law of England and Wales.
  • 2. You and the Money Owls irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this Agreement or its subject matter.

 

19. Severance

If any provisions in these Terms and Conditions or part of a provision is found to be unlawful, void, or for any reason deemed to be unenforceable, then that provision or part of the provision will be deemed not to be part of these Terms and Conditions to the minimum extent necessary and such severance shall not affect the validity and enforceability of the remaining Terms and Conditions.

 

 

20. Amendments

We reserve the right to update these Terms and Conditions at any time. When we make any changes to these Terms and Conditions, we will update the last modified date on the top of the page where these Terms and Conditions appear. Please note that if we make any amendments that materially impact your rights or obligations under these Terms and Conditions, we will notify you of such changes by email prior to the effective date of such amendments. Unless expressly specified otherwise, all amendments shall be effective from the date we publish the updated version. You are advised to periodically review these Terms and Conditions to familiarise yourself with any material changes. Your continued use of the Platform after the effective date of any amendments shall constitute your acceptance of such amendments. If you do not agree with any amendments to these Terms and Conditions, your sole remedy is to cease using the Platform.

 

21. Force Majeure

Money Owls shall not be liable for the failure to perform any of its obligations if such failure is a result of any Acts of God or other force majeure events such as war, invasion, an act of foreign enemies, hostilities (regardless of whether war is declared), epidemic, civil war, rebellion, revolution, insurrection, military or usurped power or confiscation, terrorist activities, nationalisation, government sanction, embargo, labour dispute, strike, lockout or any interruption or any failure of electricity or server, system, computer, internet or telephone service.

 

22. Operator Information

The Platform is operated as a sole trader company based in the United Kingdom. For all enquiries related to the platform, including legal or technical support, please contact Money Owls at:

 

Email: hello@moneyowls.co.uk.