Terms of Service

NimbleCFO, an app by Generation Money. Last updated: 22 June 2026.

DRAFT — not yet legally reviewed. Review with a qualified solicitor before relying on or publishing this document. Do not treat it as a finished legal agreement.

These Terms of Service ("Terms") govern your use of NimbleCFO ("the app", "the service", "we", "us"). By creating an account or using the app, you agree to these Terms. If you do not agree, do not use the app.

1. Acceptance of these terms

By accessing or using NimbleCFO you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy. We may ask you to accept updated Terms from time to time; continued use after an update means you accept the revised Terms.

2. What NimbleCFO is

NimbleCFO is a software tool that provides general financial guidance, organisation, and educational content for UK freelancers and the self-employed. It helps you track income, set aside tax, set goals, and get tailored prompts and explanations, including from an in-app AI assistant.

3. Guidance only — not regulated financial or tax advice

This is the most important thing to understand about NimbleCFO. The app provides information and educational guidance only. It is not regulated financial advice, investment advice, tax advice, accountancy, or a substitute for a qualified professional. We are not authorised or regulated by the Financial Conduct Authority (FCA).

Nothing in the app is a personal recommendation to buy, sell, or hold any investment, pension, or financial product.
Tax figures and set-aside estimates are indicative calculations to help you plan; they are not a filed return or formal tax computation, and they do not replace advice from an accountant or HMRC.
You are solely responsible for your own financial decisions and for meeting your legal and tax obligations.
If you invest, your capital is at risk. Always consult a suitably qualified and, where relevant, FCA-authorised adviser for specific investment, pension, or tax decisions.

4. Eligibility

You must be at least 18 years old and a resident of the United Kingdom to use NimbleCFO. The app is designed around UK tax rules and is not intended for use outside the UK. By using the app you confirm that you meet these requirements.

5. Your account and security

You are responsible for keeping your login credentials confidential and for all activity under your account.
Provide accurate information when you register and keep it up to date.
Notify us promptly if you believe your account has been accessed without your permission.
We may suspend or terminate accounts that breach these Terms or that we reasonably believe are being used unlawfully.

6. Acceptable use

You agree not to:

Use the app for any unlawful, fraudulent, or harmful purpose.
Attempt to gain unauthorised access to the app, other users' data, or our systems.
Reverse engineer, scrape, or interfere with the app except as permitted by law.
Upload content that is illegal, infringing, or malicious.
Rely on the app to provide regulated advice, or resell or present its output as professional advice to others.

7. Free trial, subscriptions, and billing

Free trial: new users may start with a 14-day free trial. Unless you cancel before the trial ends, your subscription begins automatically and the applicable fee is charged.
Plans: paid access is offered on a monthly subscription. Prices are shown in the app before you subscribe.
Renewal: monthly subscriptions renew automatically until cancelled. You can cancel at any time; cancellation takes effect at the end of the current billing period.
Payments: billing is handled by our payment provider. You authorise us (and them) to charge your chosen payment method for the fees due.
Refunds: except where required by UK consumer law, fees already paid are non-refundable. Nothing here removes your statutory rights.
Price changes: we may change prices with reasonable notice; changes apply from your next billing period.

8. Intellectual property

The app, its content, branding, and software are owned by us or our licensors and are protected by law. We grant you a limited, non-exclusive, non-transferable licence to use the app for your personal or business use in line with these Terms. You retain ownership of the data and content you enter; you grant us the permissions needed to store and process it to provide the service (see the Privacy Policy).

9. Third-party and AI processing

The app relies on third-party providers to operate. Consistent with our Privacy Policy:

Anthropic processes your chat content to generate AI assistant responses. AI output can be incomplete or wrong; treat it as guidance to check, not fact.
Supabase provides hosting, database, and authentication (UK/EU region).
Google / Apple are used only if you choose their sign-in or enable push notifications.

Your use of these features is also subject to those providers' terms where applicable.

10. Disclaimers

The app is provided "as is" and "as available". To the extent permitted by law, we do not warrant that the app will be uninterrupted, error-free, or that its guidance, calculations, or AI output will be accurate or suitable for your circumstances. You use the app and rely on its output at your own discretion and risk.

11. Limitation of liability

Nothing in these Terms limits liability that cannot be limited by law (including for death or personal injury caused by negligence, or for fraud). Subject to that:

We are not liable for financial losses, tax penalties, missed obligations, lost profits, or indirect or consequential losses arising from your use of, or reliance on, the app.
Our total liability to you for any claim connected with the app is limited to the fees you paid us in the 12 months before the claim arose.

12. Changes to these terms

We may update these Terms from time to time. We will revise the date above and, for material changes, notify you in-app. Continued use after changes take effect means you accept the updated Terms.

13. Governing law

These Terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction, subject to any mandatory consumer-protection rights you have where you live.

14. Contact

Questions about these Terms? Email hello@nimblecfo.app.

This template was prepared to give NimbleCFO a clear, honest starting point for its Terms of Service. Before public launch, have it reviewed by a qualified solicitor against your final product, billing, and data practices, and confirm the contact email is live.