Terms of Service

Who we are & eligibility

These terms are between you and RSA Business Services Ltd (trading as “Fettle”, “we”, “us”), registered in England and Wales. By joining the Fettle waitlist or using the Fettle app, you agree to them. If you don’t agree, please don’t use the service.

You must be 18 or over and resident in the United Kingdom to join the waitlist or use Fettle.

The waitlist and £5 deposit

• The £5 deposit reserves your place on the founding waitlist and is fully refundable at any time, for any reason — email us and it’s returned in full, no questions asked.
• The deposit is taken through Stripe, our payment processor. We never see or store your full card details.
• If we don’t launch the beta within 18 months of your deposit, we’ll automatically refund everyone still on the list.
• Your £5 will be credited against your first year’s subscription if you continue as a paying customer after launch.
• Full details are in our Refund Policy.

Your right to cancel (Consumer Contracts Regulations 2013)

Because you sign up online, you have a legal right to change your mind. You may cancel within 14 days of joining and receive a full refund of the £5 deposit. As above, we go further than the law requires — the deposit is refundable at any time, not just within 14 days.

If, once the paid app launches, you buy a subscription online and ask us to start it within the 14-day cancellation window, you agree we can begin straight away; if you then cancel within those 14 days, you may be charged a proportionate amount for the period you had access before cancelling.

What Fettle is — and isn’t

• Fettle is a read-only financial insight tool. We connect to your bank via Open Banking to show you information about your own money — we cannot move, hold, or access your funds.
• Fettle is not a bank, and is not authorised to hold client money.
• Fettle provides general financial guidance and education, not regulated financial advice. Nothing in the app is a personalised recommendation to buy, sell, or hold any financial product. For advice specific to your circumstances, speak to a qualified financial adviser or accountant.
• Tax set-aside figures are estimates, calculated from the information available to us. You remain responsible for your own tax affairs and filings; please confirm any figure with a qualified accountant or HMRC’s own tools before relying on it.

Your account & acceptable use

• You must give accurate information and keep your login secure. You’re responsible for activity on your account.
• You agree not to misuse Fettle: no unlawful, fraudulent or abusive use; no attempting to access, disrupt, copy or reverse-engineer the service or its security; and no use that infringes anyone else’s rights.
• We can suspend or close an account we reasonably believe is being used in breach of these terms.

Subscription & billing

• £7.99 a month, or £79 a year (cheaper than paying monthly). Billing begins when the paid app launches; your £5 founding deposit is credited against your first year.
• You can cancel any time; you keep access until the end of the paid period.
• No refunds for partial subscription periods, except where required by law. See the Refund Policy.

Ending your agreement

You can stop using Fettle and close your account at any time by emailing us. We may end this agreement, or withdraw or change the service, by giving you reasonable notice (immediately where you have seriously or repeatedly broken these terms, or where we must for legal or security reasons).

Our liability

• We work hard to keep Fettle accurate and available, but we don’t guarantee it will be error-free or uninterrupted.
• To the extent permitted by law, we’re not liable for financial decisions you make based on information in the app — see “What Fettle is — and isn’t” above — or for losses that weren’t reasonably foreseeable, or for business losses.
• Nothing in these terms limits liability for things that can’t be limited by law (e.g. death or personal injury caused by negligence, fraud, or your legal rights as a consumer).

Complaints

If something’s wrong, email hello@fettlemoney.co.uk and we’ll acknowledge it within 5 working days and aim to resolve it promptly. [Once Fettle is an FCA-regulated firm or an Open Banking agent, add the Financial Ombudsman Service referral wording here.]

General terms

• Force majeure: we’re not responsible for failures caused by events beyond our reasonable control.
• Severability: if any part of these terms is found unenforceable, the rest still applies.
• No waiver: if we don’t enforce a term, that isn’t a waiver of our right to do so later.
• Assignment: we may transfer our rights and obligations under these terms (e.g. in a reorganisation), provided your rights are not reduced; you may not transfer yours without our consent.
• Third parties: no one other than you and us has any rights under these terms under the Contracts (Rights of Third Parties) Act 1999.
• Changes: we may update these terms; if a change is material, we’ll email active users before it takes effect.
• Governing law: these terms are governed by the laws of England and Wales, and disputes will be handled by the courts of England and Wales. If you live in Scotland or Northern Ireland, you can bring proceedings in your local courts.

Contact

hello@fettlemoney.co.uk · RSA Business Services Ltd (registered in England & Wales)