Last Updated: June 12, 2025 Effective Date: June 12, 2025
Acceptance of Terms By accessing, Browse, or using WInvest Collective’s website, mobile application, or services (collectively, the “Service”), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these Terms, you must not use the Service.
Service Description WInvest Collective provides innovative financial management tools and educational resources:
- Educational Content: Access to articles, videos, and tools designed to enhance financial literacy. This content is for informational purposes only and does not constitute financial advice.
- Financial Aggregation: Securely connect your financial accounts through Open Banking via our regulated partner, Moneyhub Financial Technology Ltd. This provides you with read-only access to your financial data for a holistic overview; we cannot initiate transactions or make any changes to your accounts.
- Goal-Based Tools: Personalized dashboards and features to assist you with saving, investing, and retirement planning.
User Responsibilities
- No Reliance on Advice: All content provided by WInvest Collective is for informational and educational purposes only. It is not intended as financial, investment, legal, or tax advice. You must consult a qualified financial advisor before making any financial decisions.
- Account Security: You are responsible for safeguarding your login credentials and for all activities that occur under your account. You must report any unauthorized access or suspected security breaches to WInvest Collective immediately. We recommend choosing strong, unique passwords for your account.
- Age Restriction: The Service is intended exclusively for users who are 18 years of age or older. Minors are strictly prohibited from using the Service.
Intellectual Property All content, features, and functionality within the Service, including but not limited to text, graphics, logos, icons, images, and software, are the exclusive property of WInvest Collective or its licensors and are protected by international copyright, trademark, and other intellectual property laws. Unauthorized use, reproduction, modification, distribution, or redistribution of any content is strictly prohibited.
Third-Party Links & Services The Service integrates with and may contain links to third-party websites or services, including our regulated partner Moneyhub Financial Technology Ltd. While we rely on Moneyhub’s secure and regulated infrastructure for financial aggregation, WInvest Collective is not responsible for the content, privacy practices, or any issues arising directly from other external sites or services linked from our platform. Your interactions with any third-party websites or services are subject to their own terms and policies.
Limitation of Liability To the fullest extent permitted by law, WInvest Collective, its affiliates, directors, employees, or agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to financial losses, loss of profits, data, use, goodwill, or other intangible losses, resulting from:
- Your access to or use of, or inability to access or use, the Service.
- Any conduct or content of any third party on the Service.
- Any content obtained from the Service.
- Unauthorized access, use, or alteration of your transmissions or content.
Despite our robust security measures, WInvest Collective is not liable for interruptions, errors, or data breaches, except where such liability cannot be excluded under applicable law (e.g., for fraud, or death or personal injury caused by our negligence).
Modifications & Termination WInvest Collective reserves the right, at its sole discretion, to modify or replace these Terms at any time. We will indicate the “Last Updated” date at the top of these Terms. For significant changes, we will endeavour to provide reasonable notice through the Service or via email. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.
WInvest Collective reserves the right to suspend or terminate your account and access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.
Governing Law & Disputes These Terms shall be governed and construed in accordance with the laws of the United Kingdom. Any dispute, controversy, or claim arising out of or in connection with these Terms, or the breach, termination, or invalidity thereof, shall be subject to the exclusive jurisdiction of the courts of the United Kingdom.
Privacy Policy Your privacy is of utmost importance to us. Our comprehensive Privacy Policy, available at https://winvestcollective.com/privacy-policy/, explains in detail how we collect, use, store, protect, and share your personal data, and outlines your rights under UK GDPR and the Data Protection Act 2018. By using our Service, you agree to the terms of our Privacy Policy.Contact Information For any questions regarding these Terms and Conditions, please contact us at: info@winvestcollective.com