Terms of Service

1. Who we are

Oxygene Finance is provided by Oxygene Group Ltd, a company registered in England and Wales (company number [to be added], registered office [to be added]). In these terms "we", "us" and "our" mean Oxygene Group Ltd, and "you" means the person who holds the account.

You can reach us at daniel@oxygene.xyz.

2. What the service is

Oxygene Finance is a tracker and planner for UK household finances, available on the web at finance.oxygene.xyz and as a mobile app. It lets you record accounts, balances, investments, pensions, property, budgets and the people in your household, and it projects those figures forward — for example, towards retirement.

Some things it deliberately does not do:

• It does not connect to your bank, pension provider or broker. Every figure in it is one you entered or imported yourself.
• It does not hold, move or invest money, and it cannot make payments or trades on your behalf.
• It does not give regulated financial, tax, legal or investment advice (see the next section).

Where the service shows market prices, exchange rates or property estimates, those come from third-party public sources. They are there to save you typing and can be late, missing or wrong. Check anything that matters against the original source.

3. Not financial advice — educational information only

Everything Oxygene Finance shows you is educational guidance based on your own figures, not regulated financial advice. It cannot see everything about your circumstances, and rules change. Check anything consequential with a qualified adviser or accountant before acting on it.

In particular:

• Projections rest on assumptions — most importantly the investment return, which is a number you chose, not a forecast. Different assumptions give different answers.
• Tax calculations use the rules of the current tax year and apply them to future years, unless a page says otherwise. Tax law changes, sometimes with little notice.
• Pages that model something list what they leave out, under "What this projection does not model". Those limits are real; please read them.
• Oxygene Group Ltd is not authorised or regulated by the Financial Conduct Authority, and nothing in the service is a personal recommendation to buy, sell or hold anything.

You are responsible for the decisions you make. If a decision is significant — a pension transfer, a large withdrawal, a property sale, anything with a tax deadline — please take professional advice first.

4. Your account

• Age. You must be 18 or over to create an account.
• Email. New accounts are created with an email address, and we send a link to confirm it. You can sign in before confirming, but the address cannot be used to sign in or to reset your password until it is confirmed. Please keep it current — it is how you get back in if you forget your password.
• Sign in with Google or Apple. If you choose one of these, the provider confirms who you are and we link your account to it. Their terms apply to their part of that.
• Security. Keep your password to yourself and use one you do not use elsewhere. You can see and sign out your devices from Settings. Tell us straight away if you think someone else has got into your account.
• One household, one sign-in. An account is for you and the household you manage. Do not share your sign-in with people outside it, and do not create accounts to get around plan limits.
• Accurate information. The results are only as good as the figures you put in. We do not check them for you.

5. Your data

The financial information you put into Oxygene Finance belongs to you. You give us permission to store it and process it only so we can run the service for you — to save it, calculate with it, back it up, and show it back to you. We do not sell it, use it for advertising, or share it except as our Privacy Policy describes.

You can take a complete copy of your data at any time (Settings → Take your data with you), and close your account at any time (Settings → Close your account). The Privacy Policy explains exactly what happens to your data, including in backups, when you do.

If you record details about other people — a partner, children, other family members — you are responsible for doing so reasonably: only what you need to manage your household's finances.

6. Using the service fairly

Please do not:

• try to get into anyone else's account or data, or test the service's security without our written permission (if you have found a problem, please tell us — we will be grateful);
• overload the service, for example with scripts that send large numbers of requests. We apply limits on how much can be stored and how quickly, and will tell you plainly when one is reached;
• use the service for anything unlawful, or to store content that has nothing to do with managing your finances;
• copy, resell or rebrand the service or its content.

If an account is being used in a way that puts the service or other people at risk, we may suspend it. Unless the risk is urgent, we will tell you first and give you the chance to explain or to export your data.

7. Plans and payment

Oxygene Finance has a free plan and a premium plan. What each includes is described on our website at the time you sign up or buy. The free plan is free with no time limit; we will not start charging for it without asking you.

Buying premium

• Premium is bought on our website, not inside the mobile app. The price, the length of the period it covers, and whether it renews automatically are all shown to you clearly before you pay, and confirmed by email afterwards.
• All prices are in pounds sterling and include VAT where VAT applies.
• Payments are handled by a specialist payment provider. We never see or store your full card number.

Renewals and cancelling

• Subscriptions that renew keep renewing at the end of each period until you cancel. You can cancel at any time; you keep premium until the end of the period you have already paid for, and are not charged again.
• Fixed-term purchases (a single payment covering a set period) do not renew automatically. We will remind you before one ends.
• Price changes never apply to a period you have already paid for. If the price of a renewing subscription is going up, we will email you at least 30 days before your next renewal, so you can cancel first if you prefer.

Your right to change your mind

If you are a consumer in the UK, you normally have 14 days from purchase to cancel and get a refund. Because premium is a digital service that starts straight away, if you cancel within those 14 days we may deduct a fair amount for the time you have already used.

If premium ends

If your premium plan ends — because you cancelled, a payment failed, or a fixed term ran out — your account moves to the free plan. Nothing you have entered is deleted. Premium-only pages become unavailable until you buy premium again, and everything you entered is still there when you do. You can export all of it on the free plan.

If we stop offering premium

If we withdraw the premium plan or close the service, we will refund the unused part of any period you have paid for.

8. Availability and backups

We work hard to keep Oxygene Finance running and your data safe, and we take nightly backups. But we cannot promise the service will always be available or free of faults, and we may need to take it offline for maintenance, usually briefly and, where we can, with notice.

Backups exist to recover from failures on our side. They are not a substitute for your own copy: you can export your data at any time, and we encourage you to do so occasionally.

9. Changes to the service and these terms

The service will change as we improve it. If we make a change that materially reduces what you are paying for, you can cancel and receive a refund of the unused part of your current period.

We may update these terms. If a change is significant we will email you at least 30 days before it takes effect. If you do not agree, you can close your account before then. The date at the top of this page shows when the terms last changed.

10. Ending the agreement

• You can stop using Oxygene Finance and close your account at any time, from Settings on the web or in the app. Closing is permanent — export first if you may want the data again.
• We may close an account that seriously or repeatedly breaks these terms. Unless there is an urgent risk, we will warn you first.
• If we decide to close the service altogether, we will give you at least 30 days' notice by email so you have time to export your data.

11. Our responsibility to you

We provide the service with reasonable care and skill. If we do not, and you lose out as a result, you may be entitled to a remedy under consumer law.

Because Oxygene Finance is educational information and not advice, and because you decide what to do with it, we are not responsible for financial decisions you make using it, or for losses caused by figures you entered, by third-party prices or estimates, or by events outside our reasonable control.

Where we are responsible for a loss, our total liability to you is limited to the greater of the amount you paid us in the 12 months before the problem arose, or £100.

Nothing in these terms limits our liability where the law does not allow it to be limited — for example, for death or personal injury caused by our negligence, or for fraud — and nothing here affects your statutory rights as a consumer.

12. The law that applies

These terms are governed by the law of England and Wales. If you live in Scotland or Northern Ireland, you can also bring proceedings in your local courts. We would always rather sort a problem out directly first — please get in touch.

13. Contact

Questions about these terms, a complaint, or anything else: daniel@oxygene.xyz.

How we handle personal data is set out in our Privacy Policy.