Last updated: 2026-10-04

1. Who we are and who these Terms are with

Fin-Central is a trading name of Nikah AI Limited, a company registered in England and Wales (company number 17199968), registered office Office 1216 Fitzrovia, 60 Tottenham Court Road, London, W1T 2EW. Registered with the UK Information Commissioner's Office (ICO), registration number ZC176381.

Contact: privacy@fin-central.com (data protection) · legal@fin-central.com (legal) · support@fin-central.com (support).

These Terms of Service ("Terms") are a contract between the company named above, trading as Fin-Central ("we", "us"), and the organisation that creates an account ("you"). The person who accepts them confirms they are authorised to bind that organisation.

The following form part of these Terms: the Data Processing Addendum (which prevails on data protection), the Acceptable Use Policy, the Refunds and Cancellation Policy and the plan and price shown when you subscribe. Our Privacy Policy explains how we handle the personal data of your users.

2. Who may buy, and whether you are a consumer

2.1 You must be at least 18 to buy or use Fin-Central.

2.2 Fin-Central is built and sold for use in a business. When you sign up we ask you to confirm that you are signing up on behalf of a business, for use in that business, and we keep a dated record of that confirmation.

2.3 That confirmation is evidence; it is not the test. Whether you are a consumer is decided objectively under UK law — Consumer Rights Act 2015 section 2(3) and regulation 4 of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 — by asking whether you were acting wholly or mainly for purposes outside any trade, business, craft or profession. If there is a dispute about it, section 2(4) of that Act puts the burden on us to prove you were not acting outside a business. Nothing in these Terms, and no box you ticked, changes that test or shifts that burden.

2.4 A sole trader can be a consumer. So can a company director, a partner, a freelancer and a contractor. It depends on the purpose of the particular purchase, not on whether you have a trading name, a company number or a business bank account. A sole trader who buys Fin-Central to run their own books is acting for business purposes. Someone who buys it mainly to manage their own household or personal affairs is a consumer, whatever we called the plan.

2.5 If you are a consumer on that test, the additional consumer rights set out in our Refunds and Cancellation Policy apply to you in full — including the 14-day right to cancel, the proportionate-refund rule for a subscription that has already started, the rules about digital content you have already downloaded, and the statutory quality remedies in section 13. You do not have to argue about it first: tell us, at support@fin-central.com, and we will apply them.

2.6 If you are not a consumer on that test, the 14-day statutory cancellation right does not apply to you. What applies instead is: these Terms; the quality and description commitments in section 13; the cancellation and refund rules in the Refunds and Cancellation Policy that are not marked as consumer-only, including cancellation at the end of the period you have paid for and our own refund promises; and the liability position in section 15.

2.7 Nothing in these Terms removes or restricts any right that the law does not allow us to remove or restrict, and nothing in these Terms removes rights that the law does not allow a business to exclude.

3. The service

Fin-Central is finance-control software that works from your own ledger data to provide reconciliation, cash forecasting, close, reporting and decision-support tools. Today you bring that data in by importing a CSV/XLSX export; direct connections to Xero, QuickBooks and Sage are not yet available on this service.

It does not replace your accounting system, your accountant, your auditor or your tax adviser, and it is not a system of record. Keep your own records and backups.
Forecasts, estimates, tax figures, savings, draft statutory accounts, suggestions and copilot or commentary text are calculated from the data you provide and are decision-support only — not accounting, tax, audit, legal, investment or other professional advice. Check every figure before you rely on it, file it, pay it or share it.
We are not authorised or regulated by the Financial Conduct Authority. The service does not move money, initiate payments or give regulated financial advice, and its outputs are not a filing with HMRC or Companies House.
Features that depend on a third party (for example an accounting-system connection, bank data, or AI features) are available only where we have enabled them, and are subject to that provider's availability and terms. We are not responsible for third-party services.

Changes to Fin-Central

We may change Fin-Central to improve it, to fix problems, or to meet a legal or regulatory requirement, and we may add, change or withdraw individual features. That right is subject to sections 13.2 to 13.7 and is exercised within them, not instead of them. So:

(a) If a change makes Fin-Central fall below the standards in sections 13.2 and 13.3 — not of satisfactory quality, not fit for a purpose you made known to us, or no longer matching how we described it — then sections 13.4 and 13.5 apply, and the statutory remedies are yours whether or not the withdrawn feature was "material to your paid plan". The word "material" does not qualify a statutory remedy and we do not use it to.
(b) If a change materially reduces what you get, we will tell you at least 30 days beforehand, by a notice in the product and on your billing page and, where we can reach you, by email. You may then cancel and we will refund the unused part of anything you have paid in advance. This is in addition to, and never in place of, sections 13.4 and 13.5.
(c) Information we gave you before you bought about main characteristics, functionality and compatibility is part of the contract. We will not change it without your express agreement.
(d) Where a change is needed to fix a security problem or to comply with the law, we may make it immediately and tell you as soon as we can. That does not reduce your rights under sections 13.4 and 13.5 if the result falls short of sections 13.2 and 13.3.

4. Accounts and security

You must give accurate details, keep credentials confidential, use the security controls we provide (including two-factor authentication for administrators), and tell us promptly at support@fin-central.com if you suspect unauthorised access. You are responsible for your users, the roles you give them and everything done under your account.

5. Trials

A free trial lasts for the period shown at sign-up (currently 14 days) and gives access to the features described for the trial on our pricing page. We take no card details to start a first trial — not on the sign-up page, and not when you start from a plan link on the pricing page. If you have subscribed to Fin-Central before, no trial applies and payment is taken when you subscribe. Section 6.4 is the operative statement of these terms.

If you do not add a payment method, the subscription cancels when the trial ends rather than charging you, and nothing is taken.
If you do add a payment method during the trial, your paid subscription starts automatically when the trial ends and you will be charged the price you chose, unless you cancel before the trial ends.
If you have subscribed to Fin-Central before, no trial applies and payment is taken when you subscribe.

We may end or limit trials that are being abused, for example repeated trials for the same organisation.

6. Price, payment and renewal

6.1 What you are agreeing to, before you agree to it. Fin-Central is sold as a subscription that renews automatically until you cancel. Before you are bound we tell you, on the page where you place the order: which plan you are buying, the total cost per billing period, how often you will be charged, that it renews automatically until you cancel, how to cancel, and the date of your first charge. The button you press says what it does, and pressing it means you agree to pay. If we have not told you those things before you press it, you are not bound.

6.2 The prices. Monthly plans are Starter £99 per month, Growth £299 per month and Scale £449 per month. Annual plans are Starter £948 per year, Growth £2,988 per year and Scale £4,308 per year, charged as a single payment for the year. The figure for your plan is the total you pay for that billing period and nothing is added at checkout. Your payment is processed by Stripe, which calculates and accounts for any UK VAT due on the sale; where any is due it is included in that total rather than added to it. Prices are in pounds sterling; if your card is billed in another currency, the figure shown at checkout is the total. Your card statement shows our company name.

6.3 What is charged, when, and when you get it. You are billed in advance. Your account is live and usable immediately after you sign up — there is nothing to wait for and nothing arrives by post. Your first payment is taken when your subscription starts, or, if your plan began with a free trial, on the day the trial ends. After that we charge the same amount on the same day of each billing period, for the plan you are on, at the price then published for that plan. If you subscribed before a price change, you stay on the price you agreed. Your own price is always shown on your billing page, and that is the figure that governs.

6.4 Your 14-day free trial. We take no card details to start a 14-day free trial — not on the sign-up page, and not when you start from a plan link on the pricing page. You can cancel at any point during the trial and pay nothing. If no payment method has been added by the time the trial ends, the subscription cancels instead of charging you. If you have subscribed to Fin-Central before, no trial applies and payment is taken when you subscribe.

6.5 We will remind you before each renewal. We commit to sending you a reminder at least 7 days before each monthly renewal, and at least 30 days before each annual renewal. The reminder says what we are about to charge, on what date, for which plan, and how to cancel before it happens. We send it as a notice in the product and on your billing page, and to the email address on your account where we can reach you, so that one channel failing does not cost you money. This is our own commitment. Stripe may also send you its own renewal and receipt emails; those come from Stripe's systems, not ours, and are in addition to our reminder, not instead of it.

6.6 Stopping it. You can cancel at any time and you never need a reason.

In the product: Settings → Billing (account administrators).
In the billing portal linked from that page.
Or email support@fin-central.com and we will action it on the same working day.

Cancelling stops the next renewal. Your plan runs to the end of the period you have already paid for and then stops, and we take no further payment. Until that period ends you can undo it — the same screen offers Resume, which puts you back on the same plan at the same price. We do not refund the unused part of a period already paid for except where the law or our Refunds and Cancellation Policy gives you a refund, and that policy includes the proportionate refund available to a consumer who cancels within 14 days of first subscribing.

6.7 Price changes. We will give you at least 30 days' notice before we increase the price of your subscription, by a notice in the product and on your billing page and, where we can reach you, by email. The increase will not apply to a period you have already paid for. If you do not want to pay the new price, cancel before it takes effect and you will not be charged it.

6.8 Failed payments. If a payment fails we will tell you and try again. If it keeps failing we may suspend your access until it is paid (see section 12), and we will tell you before we do and why. We will not charge you a fee for a failed payment. If we suspend your access you can ask a person to look at the decision again — see section 12.

7. Cancellation and refunds

You can cancel at any time, online, from Settings → Billing (account administrators). Cancellation takes effect at the end of the billing period already paid for; you keep access until then and are not charged again.
Because a paid subscription renews automatically (section 6), cancelling before the current period ends is what stops the next payment.
When we do refund, and the timescales we work to, are in our Refunds and Cancellation Policy, which forms part of these Terms (section 1). Apart from the refunds that policy or these Terms give you, and apart from anything the law requires, fees already paid are not refundable, including the unused part of an annual plan when you cancel.
You have more than one route to a refund, and you do not have to use ours first. You can ask us at support@fin-central.com or on /contact. You can also take a refund request to Stripe, which processes your payment, or to your own bank or card issuer. They can refund you without our agreement, and our answer is not the last word. Stripe's published terms for this payment method say Stripe can refund a payment within 60 days of the transaction in certain cases, whether or not we agree. Card disputes on your payment are handled by Stripe, not by us. /refunds sets all of this out.
A refunded payment ends the period that payment covered.

8. Acceptable use

You must comply with the Acceptable Use Policy. In particular you must not use the service unlawfully, upload data you have no right to use, attempt to access other customers' data, disrupt the service, or copy, resell or reverse-engineer it except as the law permits.

9. Your data

You own your data. You give us a limited licence to host, copy and process it only to provide, secure and support the service, as described in the Privacy Policy and the DPA.
You are responsible for the accuracy and lawfulness of the data you upload, and for having the rights and notices needed to give it to us.
We may use aggregated, anonymised statistics that identify neither you nor any individual to operate and improve the service.
You can export your data while your account is active and for 30 days after it ends; after that we delete it as set out in the Privacy Policy, subject to legal retention and the backup periods stated there.

10. Our intellectual property

We and our licensors own the software, the Fin-Central name and brand, and all materials we provide. You get a non-exclusive, non-transferable right to use the service for your internal business purposes during your subscription. If you send us suggestions, we may use them without obligation to you. We will not use your name or logo in marketing without your written permission.

Xero, QuickBooks, Sage and other product names are trade marks of their owners. Fin-Central is not affiliated with or endorsed by them.

11. Availability and support

We aim to keep the service available but do not guarantee uninterrupted or error-free operation, and we offer no service-level commitment unless agreed in writing. We will try to give notice of planned maintenance. Support is by email to support@fin-central.com, during UK business hours, on a reasonable-efforts basis.

This section says what we have agreed to supply. It is not an exclusion, and section 13.7 means it could not operate as one: if anything in it would exclude or restrict the statutory quality rights in sections 13.2 and 13.3, or the remedies in sections 13.4 and 13.5, that part does not apply.

12. Suspension

We may suspend all or part of the service, acting reasonably, if: a payment is overdue; you breach these Terms or the Acceptable Use Policy; your use threatens the security or stability of the service or other customers; or we are required to by law. We will restore access once the reason is resolved.

Suspension is never decided by software alone, and you get four things every time. Losing access to a system you run your finances on has a significant effect on you, so:

we tell you what we have done, when, and the reason, at the time we do it;
you can make representations to us about it, and we will consider them;
you can obtain human intervention — ask for a person to look at it, and a person will;
you can contest the decision — ask for it to be reconsidered, and we will tell you the outcome.

Email support@fin-central.com or use /contact for any of those. The same safeguards are published in our Privacy Policy under UK GDPR Articles 22A to 22D, and they apply to a restriction, a refused export and a closure as well as to a suspension.

13. What we promise about Fin-Central

13.1 Fin-Central is a service, and it also supplies digital content: exported reports, board packs, and CSV and XLSX exports. Both parts carry statutory quality rights and we set them out here because they bind us whether we write them down or not.

13.2 Digital content. Under sections 34, 35 and 36 of the Consumer Rights Act 2015, every report, board pack and export we supply must be of satisfactory quality, reasonably fit for any particular purpose you made known to us, and must match the description we gave it. Information we gave you before you bought about the main characteristics, functionality and compatibility of Fin-Central is part of that description, and we cannot change it later without your express agreement.

13.3 The service. Under section 49 of that Act we must perform the service with reasonable care and skill, and under section 52, where no time is fixed, within a reasonable time.

13.4 If we fall short on digital content, the remedies are, in this order: you can require us to repair or replace it — free, within a reasonable time, and without significant inconvenience to you, with us bearing all the costs (sections 42 and 43); and if that is impossible or disproportionate, or we fail to do it within a reasonable time or without significant inconvenience, you can require a price reduction, which can be up to the whole amount you paid, with a refund of anything already paid above the reduced amount (section 44). We pay any such refund within 14 days of agreeing you are entitled to it, by your original payment method, with no fee.

13.5 If we fall short on the service, the remedies are, in this order: you can require repeat performance — we perform the service again to the extent needed to complete it in conformity with the contract, free, within a reasonable time and without significant inconvenience to you (sections 54 and 55); and if that is impossible, or we fail, you can require a price reduction, again up to the whole amount, with the same 14-day, original-method, no-fee rules (section 56).

13.6 For six months after we supply digital content, if it does not conform to the contract, the law treats it as not having conformed when we supplied it unless we prove otherwise (section 42(9)). In other words, for six months the burden of proving it was sound is ours.

13.7 These rights cannot be excluded or restricted, and nothing in this contract tries to. Section 47 of the Consumer Rights Act 2015 provides that a term of a contract to supply digital content is not binding on a consumer to the extent that it would exclude or restrict our liability under sections 34 to 36 and 41, or the remedies in sections 42 to 45, or our liability under section 46 for damage to your device or your other digital content. Section 57 provides the same for services: a term is not binding on a consumer to the extent that it would exclude our liability under section 49, and cannot restrict that liability to less than the price you paid. If any clause in these Terms, in any policy of ours, or in any notice we give you would have that effect — including section 15 — it does not apply, and sections 42 to 46 and 54 to 56 govern instead.

13.8 What we do not promise. We do not promise that Fin-Central will be available without interruption or free of errors, and we give no service-level commitment unless we have agreed one with you in writing. We do not promise any particular financial, accounting, tax or commercial outcome from using it. Those are limits on what we have agreed to supply; they are not, and cannot be, limits on sections 13.2 to 13.7.

14. Your responsibility for claims about your data

You will indemnify us against third-party claims, and reasonable costs, arising from data you upload that you had no right to provide, or from your use of the service in breach of law or of these Terms.

15. Limitation of liability

1. Nothing in these Terms limits or excludes liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or any other liability that cannot lawfully be limited — nor your obligation to pay fees. 2. Subject to 15.1, we are not liable for: loss of profits, revenue, business, contracts, goodwill or anticipated savings; loss or corruption of data (to the extent you could have avoided it by keeping your own records, as section 3 requires); wasted expenditure; any tax, interest, penalty or fine, or any loss arising from a filing, payment, forecast or business decision made using the service's outputs; or any indirect or consequential loss. 3. Subject to 15.1, our total liability arising out of or in connection with these Terms, in contract, tort (including negligence), breach of statutory duty or otherwise, is limited to the greater of £100 and the fees you paid us in the 12 months before the event giving rise to the claim. 4. Each party has considered these limits and agrees they are reasonable, taking into account the price of the service and the ability of each party to insure.

16. Term and termination

These Terms apply from when you create an account until it is closed. Either party may end them: you, by cancelling (section 7) or deleting your account; either party, immediately by notice if the other commits a material breach not remedied within 30 days of being asked, or becomes insolvent. We may close accounts that have had no active subscription or trial for 12 months, after giving 30 days' notice. Sections 9, 10, 14, 15, 18 and 20 survive termination.

17. Events outside our control

We are not responsible for delay or failure caused by events beyond our reasonable control, including failure of hosting, network, payment or other third-party providers, cyber-attack, or government action.

18. Confidentiality

Each party will keep the other's confidential information confidential and use it only to perform these Terms, except where disclosure is required by law.

19. Changes to these Terms

We may update these Terms. We will publish the new version here with a new version number and date. For material changes that affect existing customers we will give at least 30 days' notice, by a notice in the product and on your billing page and, where we can reach you, by email; if you do not agree you may cancel before the change takes effect. Continuing to use the service after that date means you accept the updated Terms.

20. General

Entire agreement: these Terms and the documents in section 1 are the whole agreement between us about the service and replace earlier discussions. Neither party relies on any statement not set out in them, but this does not limit liability for fraud.
Assignment: you may not transfer your rights without our consent. We may transfer our rights and obligations to a successor to our business, telling you if we do.
Third parties: no one other than you and us has any right to enforce these Terms under the Contracts (Rights of Third Parties) Act 1999.
Severance and waiver: if a court finds any part invalid, the rest continues. A delay in enforcing a right is not a waiver.
Notices: we give notices by email to your account administrators; you give notices to legal@fin-central.com.
Governing law: these Terms and any dispute arising from them (including non-contractual disputes) are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction.

21. Contact

legal@fin-central.com · Nikah AI Limited, Office 1216 Fitzrovia, 60 Tottenham Court Road, London, W1T 2EW.