Terms & Conditions

1. Agreement to Terms

By accessing or using the Female Finance website ("the Service"), you agree to be bound by these Terms and Conditions. If you disagree with any part of these terms, you may not access the Service.

2. Description of Service

Female Finance provides free educational resources, financial calculators, and informational content to help women navigate major financial life transitions. Our Service includes:

• Educational journeys covering divorce, widowhood, and business ownership
• Practical checklists for each journey
• Financial calculators (pension gap, emergency fund, budget planner)
• AI-powered tools (Jargon Buster, Letter Drafter, Document Explainer)
• A glossary of financial terms

3. Not Financial Advice

Before making any financial decisions, you should consult with a qualified financial adviser, solicitor, or accountant who can consider your individual circumstances. See our Disclaimer for more information.

4. Calculator Accuracy

Our calculators are designed to provide estimates and illustrations based on the information you provide and certain assumptions. Results are for illustrative purposes only and should not be relied upon as precise predictions of future outcomes.

Actual results may vary significantly due to factors including but not limited to market conditions, inflation, tax changes, and individual circumstances.

5. AI Tools Limitations

Our AI tools (Jargon Buster, Letter Drafter, and Document Explainer) provide general information based on their training data. While we strive for accuracy, the AI may occasionally provide incorrect or outdated information. Always verify important information from authoritative sources.

The AI tools do not provide personalised financial or legal advice and should not be used as a substitute for professional advice. Letters generated by the Letter Drafter should be reviewed and customised before sending.

Usage limits: Without an account, AI tools can be used twice per day. With a free account, you can use them up to 10 times per day.

6. User Accounts

You may create a free account to access additional features. When creating an account, you agree to:

• Provide accurate and complete information
• Maintain the security of your password
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorised use

You can delete your account at any time through your account settings.

7. Intellectual Property

The content on this website, including text, graphics, logos, and software, is the property of Female Finance and is protected by copyright and other intellectual property laws.

You may view and print content for personal, non-commercial use only. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

8. User Conduct

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorised access to our systems
• Interfere with or disrupt the Service
• Upload malicious code or content
• Scrape or collect data from the Service without permission
• Abuse the AI tools or attempt to bypass usage limits

9. Limitation of Liability

To the fullest extent permitted by law, Female Finance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service, including but not limited to any financial decisions made based on information from this website.

We do not guarantee that the Service will be uninterrupted, secure, or error-free. Your use of the Service is at your own risk.

10. Indemnification

You agree to indemnify and hold harmless Female Finance and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Service or violation of these Terms.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes by updating the "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the modified Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Contact Us

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

Email: hello@femalefinance.co.uk