Terms of Use

These terms govern your use of Your Future Compass (the "service"). By creating an account or using the service, you confirm that you accept these terms. If you do not agree to them, please do not use the service.

1. Who we are

The service is provided by Your Future Compass Ltd ("we", "us", "our"), a company registered in England and Wales.

Trading name	Your Future Compass
Company	Your Future Compass Ltd
Company registration number	17276217
Registered office	71-75 Shelton Street, Covent Garden, London WC2H 9JQ
Contact	privacy@yourfuturecompass.co.uk

2. Not financial advice

Your Future Compass is an illustration and guidance tool only. It does not provide regulated financial, investment, tax or legal advice, and is not regulated by the Financial Conduct Authority (FCA). Projections are illustrative, based on assumptions and the figures you enter, and are not a guarantee of future outcomes. Always consult a suitably qualified, regulated adviser before making decisions about your pensions, investments or finances.

3. Eligibility and your responsibilities

• You must be 18 or over and use the service for your own personal, non-commercial planning.
• You are responsible for the accuracy of the information you enter and for keeping your account credentials secure.
• You must not misuse the service, attempt to disrupt or gain unauthorised access to it, or access it other than through the interface we provide.

4. Your account

You may close your account at any time from your account settings. When you do, we handle your personal data as described in our Privacy Notice. You are responsible for activity that takes place under your account.

5. Paid plans

Core features of the service are free. We also offer paid features ("paid plan"). Where you take a paid plan:

• A licence is a one-off purchase for a fixed term. It does not renew automatically and we will never take a further payment without you choosing to buy again. A licence costs £49 for one year or £80 for two years. The price, what is included, and the length of the licence are shown to you before you pay. Prices include VAT where applicable.
• We will email you before your licence ends so you can decide whether to buy another. Because nothing renews on its own, taking no action simply lets the licence expire.
• If your licence ends and you do not buy another, your account reverts to read-only access to your saved plans; your data is not deleted, and any reports you have exported remain yours to keep.
• Your right to cancel. As a consumer you normally have 14 days to cancel a purchase of digital services and receive a refund. Because the service is supplied digitally and made available immediately, by purchasing and accessing the paid features you ask us to begin supply at once and acknowledge that you will lose this 14-day cancellation right once supply has begun. Nothing here affects your other statutory rights.
• Payments are processed by our payment provider; we do not store your card details.

6. Assumptions and limitations

Projections rely on modelling assumptions (e.g. investment returns, inflation, tax rules) that are simplifications of a complex and changing reality. Tax rules and allowances change. Actual outcomes will differ, potentially significantly. We do not warrant that results are accurate, complete or suitable for your circumstances.

7. Intellectual property

The service, including its software, design, content and the "Your Future Compass" name and branding, belongs to us or our licensors and is protected by intellectual property laws. We grant you a personal, non-exclusive, non-transferable, revocable licence to use the service for your own planning in accordance with these terms. You retain ownership of the information you enter; you grant us the licence needed to process and store it so we can provide the service, as described in our Privacy Notice.

8. Availability

We aim to keep the service available but do not guarantee uninterrupted access. We may change, suspend or withdraw features at any time. Where a change materially reduces a paid feature you are using, we will give you reasonable notice and, where appropriate, a pro-rata refund.

9. Our liability

Nothing in these terms excludes or limits our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; or any other liability that cannot lawfully be excluded or limited, including your statutory rights under the Consumer Rights Act 2015, which require us to provide the service with reasonable care and skill.

Subject to that, and because the service provides illustrative projections only and is not financial advice (see section 2):

• we are not liable for investment, pension, tax or other financial decisions you make in reliance on the service's outputs;
• we are not liable for loss that was not reasonably foreseeable, or for loss arising from your own breach of these terms or inaccurate information you enter;
• where you are using a paid plan, our total liability to you for all claims connected with the service is limited to the amount you paid us in the 12 months before the event giving rise to the claim.

10. Privacy

Our handling of your personal data is described in our Privacy Notice.

11. Suspension and termination by us

We may suspend or end your access to the service if you materially breach these terms (for example, by misusing the service). Where it is reasonable to do so, we will give you notice and an opportunity to put things right first. Sections 2 (Not financial advice), 6 (Assumptions and limitations), 7 (Intellectual property), 9 (Our liability) and 13 (Governing law) continue to apply after your use of the service ends.

12. Changes to these terms

We may update these terms from time to time. For minor changes, the updated terms apply when posted here. For changes that materially affect your rights, we will give you reasonable advance notice (by email or in-app) before they take effect, and, if you are on a paid plan and do not accept the change, you may cancel and receive a pro-rata refund of any unused period.

13. Governing law, jurisdiction and complaints

These terms and any dispute arising from them are governed by the law of England and Wales, and the courts of England and Wales have non-exclusive jurisdiction. If you live in Scotland or Northern Ireland you may also bring proceedings in your home jurisdiction, and nothing in these terms affects your mandatory local consumer rights. If you have a complaint, please contact us first at privacy@yourfuturecompass.co.uk and we will try to resolve it.

14. General

If any part of these terms is found to be unenforceable, the rest remain in force. We may transfer our rights and obligations under these terms to another organisation, but this will not affect your rights; you may not transfer yours without our consent. We are not liable for failures caused by events outside our reasonable control. These terms, together with our Privacy Notice, are the entire agreement between us about your use of the service.

15. Contact

Questions about these terms: privacy@yourfuturecompass.co.uk.