Terms of Use

Welcome to Fihoten! These Terms of Use govern your access to and use of our information platform, including any content, functionality, and services offered on or through Fihoten. By accessing or using the website, you agree to be bound by these Terms, which constitute a legally binding agreement between you and Fihoten. If you do not agree with any part of these Terms, you must not use our website.

1. Acceptance of Terms

By accessing or using any part of the Fihoten website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These Terms apply to all visitors, users, and others who access or use the Service. Your continued use of the website following the posting of any changes to these Terms constitutes your acceptance of those changes, effective as of 1 May 2026.

2. Use of the Website

Fihoten provides general financial information, advice, and tools for personal finance, expense control, and budget planning. The content is for informational and educational purposes only and does not constitute personalized financial advice; you should consult a qualified financial professional for specific guidance. You agree to use the website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the website. Prohibited conduct includes creating multiple accounts, submitting false or misleading information, or attempting to interfere with the website's functionality or security.

3. Intellectual Property

All content on the Fihoten website, including text, graphics, logos, articles, budgeting tools, and software, is the property of Fihoten or its content suppliers and is protected by UK and international copyright laws. You may access and use the content for your personal, non-commercial use only. Any reproduction, redistribution, or modification of the website's content without explicit written permission from Fihoten is strictly prohibited.

4. Disclaimer of Warranties

The Fihoten website and its content are provided on an 'as is' and 'as available' basis, without any warranties of any kind, either express or implied. While we aim to provide accurate and up-to-date information, Fihoten makes no representations or warranties regarding the accuracy, completeness, reliability, or suitability of the information and advice provided for your specific financial situation. We do not guarantee that the website will be uninterrupted, error-free, or free from viruses or other harmful components, and we explicitly disclaim all implied warranties including, but not limited to, warranties of merchantability, fitness for a particular purpose, and non-infringement.

5. Limitation of Liability

To the fullest extent permitted by applicable law, Fihoten, its affiliates, directors, employees, agents, suppliers, or licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, 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 website. This limitation applies even if Fihoten has been advised of the possibility of such damages. Our total liability for any claim arising out of or relating to these Terms or your use of the website shall not exceed the amount you have paid to Fihoten, if any, in the past twelve months for the services giving rise to the claim.

6. Links to Other Websites

Our website may contain links to third-party websites or services that are not owned or controlled by Fihoten. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Fihoten shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

7. Changes to Terms

Fihoten reserves the right, at its sole discretion, to modify or replace these Terms at any time. We will provide reasonable notice of any material changes by posting the updated Terms on the website and updating the 'Last updated' date. Your continued use of the website after any such changes constitutes your acceptance of the new Terms of Use.

8. Governing Law

These Terms shall be governed and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts located in England and Wales for the resolution of any disputes arising out of or relating to these Terms or your use of the website. Any legal action or proceeding related to this website shall be brought exclusively in the courts situated in England and Wales.

Contact Us

Email: fihoten@info.com

Address: 51 Piccadilly, London W1J 0QJ, United Kingdom