Terms of Use


Last updated: 18 August 2025


1. About us


This website and app (“Aida”) are operated by Money Means Ltd (“we”, “us”, “our”), registered in England and Wales.


Registered office:

Suite B, Gloverside, 23–25 Bury Mead Road, Hitchin, SG5 1RT

By accessing or using Aida, you agree to be bound by these Terms of Use. If you do not agree, you must not use Aida.


2. Our services


Aida is an AI financial adviser in training. We're still teaching her, and for now she gives you general guidance, not regulated advice, to help you better understand, manage and plan your money. Personalised, regulated financial advice is coming soon.

  • We provide tools, insights, and information to support your financial decision-making.

  • Unless expressly stated otherwise, content in Aida is for general information and guidance only and does not replace independent professional advice tailored to your circumstances.

  • You remain responsible for your own financial decisions.


3. Eligibility and account use

To use Aida you must:


  • Be at least 18 years old,

  • Be resident in the UK, and

  • Use the app only for lawful personal purposes.


You are responsible for ensuring the information you provide is accurate and kept up to date. You must not misuse Aida by introducing malware, attempting unauthorised access, or interfering with normal operation.


4. Meaning of Advice and Guidance

Guidance

  • Guidance is an impartial service that helps customers identify their options and narrow down their choices. It does not tell customers what to do or which product to buy; the decision is theirs.

  • Guidance providers are responsible for the accuracy and quality of the information they provide customers but not for any decision they make based on it.

  • Guidance is expected to be free unless the provider clearly discloses otherwise.

  • Guidance will suggest what customers could do.


Advice

  • Advice will recommend a specific product or course of action for a customer to take given their circumstances and financial goals.

  • This will be personal to the customer, based on the information they provide and include a specific recommendation that is explicit and presented as suitable.

  • Advice will be provided by a qualified and regulated individual or online by a regulated organisation.

  • Providers of advice are responsible and liable for the accuracy, quality and suitability of the recommendation that they make, and customers are protected by law.

  • Advice will recommend what customers should do.


5. Intellectual property

All content, branding, software, and materials within Aida are owned by Money Means Ltd or our licensors. You may not copy, distribute, modify, or use them except as permitted under these Terms or with our written permission.


6. Communications and marketing


When you join the waitlist or create an account, you may agree to receive emails about the launch and updates. You can also opt in to receive news, offers, and marketing.

You can unsubscribe from marketing at any time, though we may still send you service-related communications.


7. Third-party services


Aida may link to or integrate with third-party services (e.g. Mailchimp for email, or financial data providers). We are not responsible for the content, performance, or terms of those third-party services.


8. No financial liability


While we aim to provide accurate and up-to-date information, Aida is provided on an “as is” basis.

  • We do not guarantee that the information, tools, or guidance in Aida are complete, accurate, or suitable for your specific circumstances.

  • We are not liable for any losses, damages, or costs arising from your reliance on Aida, except where required by law.

  • You should always consider seeking independent professional advice before making financial decisions.

9. Availability of the service

We aim to keep Aida available, but we do not guarantee uninterrupted access. We may suspend, withdraw, or restrict parts of the service for maintenance, updates, or business reasons without prior notice.


10. Termination


We may suspend or terminate your access to Aida at any time if you breach these Terms, misuse the service, or for other lawful reasons. You may stop using Aida at any time.


11. Limitation of liability


To the fullest extent permitted by law, Money Means Ltd shall not be liable for:

  • Any loss of profits, revenue, data, or goodwill,

  • Any indirect or consequential losses,

  • Any losses arising from events beyond our reasonable control.

Nothing in these Terms limits our liability for death or personal injury caused by negligence, fraud, or any other liability which cannot be excluded under law.

12. Governing law

These Terms are governed by the laws of England and Wales. Disputes arising in connection with these Terms will be subject to the exclusive jurisdiction of the courts of England and Wales.


13. Changes to these Terms


We may update these Terms from time to time. If changes are material, we will notify you by email or in-app notice. Continued use of Aida after changes take effect constitutes acceptance of the updated Terms.

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Terms of use

Money Means Limited is an Appointed Representative of Smith and Wardle Financial Planning, which is authorised and regulated by the Financial Conduct Authority (FRN 912090). Money Means Limited is entered on the Financial Services Register as an Appointed Representative under reference number 976675.

Money Means Limited is not authorised or regulated directly by the FCA. We work through another directly authorised firm (Smith and Wardle Financial Planning). Aida today gives general guidance, not regulated financial advice: it explains your options but won't recommend specific products or check that a choice is right for you personally. Because it isn't regulated advice, it isn't covered by the Financial Services Compensation Scheme (FSCS). We do plan to offer regulated advice in the near future, and we're currently working on making sure Aida can do that soon.

What "Appointed Representative" means for you

Money Means Limited runs Aida. We work as an Appointed Representative of Smith and Wardle Financial Planning, a firm that's authorised and regulated by the Financial Conduct Authority (FCA). That means an FCA-authorised firm oversees how we work.

It doesn't mean Money Means is authorised by the FCA itself, and it doesn't mean Aida gives regulated financial advice. Aida gives you clear, general guidance to help you understand your money and see your options. It will never tell you which product to buy, or what to do with a particular pension or investment. Those choices stay with you, and if you want regulated advice you can speak to a regulated adviser.

Because Aida is guidance and not regulated advice, it isn't covered by the Financial Services Compensation Scheme (FSCS). We'll always be clear about the kind of help you're getting.

Aida logo

Built by MoneyMeans

Join the waitlist

Benefits

Security

Pricing

Blog

FAQ’s

LinkedIn

Instagram

Twitter

Privacy policy

Terms of use

Money Means Limited is an Appointed Representative of Smith and Wardle Financial Planning, which is authorised and regulated by the Financial Conduct Authority (FRN 912090). Money Means Limited is entered on the Financial Services Register as an Appointed Representative under reference number 976675.

Money Means Limited is not authorised or regulated directly by the FCA. We work through another directly authorised firm (Smith and Wardle Financial Planning). Aida today gives general guidance, not regulated financial advice: it explains your options but won't recommend specific products or check that a choice is right for you personally. Because it isn't regulated advice, it isn't covered by the Financial Services Compensation Scheme (FSCS). We do plan to offer regulated advice in the near future, and we're currently working on making sure Aida can do that soon.

What "Appointed Representative" means for you

Money Means Limited runs Aida. We work as an Appointed Representative of Smith and Wardle Financial Planning, a firm that's authorised and regulated by the Financial Conduct Authority (FCA). That means an FCA-authorised firm oversees how we work.

It doesn't mean Money Means is authorised by the FCA itself, and it doesn't mean Aida gives regulated financial advice. Aida gives you clear, general guidance to help you understand your money and see your options. It will never tell you which product to buy, or what to do with a particular pension or investment. Those choices stay with you, and if you want regulated advice you can speak to a regulated adviser.

Because Aida is guidance and not regulated advice, it isn't covered by the Financial Services Compensation Scheme (FSCS). We'll always be clear about the kind of help you're getting.