Terms & Conditions

These Terms & Conditions (“Terms”) govern your access to and use of Most, a financial education and guidance service operated by Spring Financial Limited trading as Most (“Most”, “we”, “our”, or “us”). By using our website, app, or related services (together the “Service”), you agree to these Terms. If you do not agree, please do not use the Service.

1. About Us

Most is operated by Spring Financial Limited trading as Most, registered in England and Wales under company number 15579066. Our registered office is 1 Lyric Square, Addition Finance, The Office Group, London, Greater London, England, W6 0NB. Contact email: [email protected].

2. Our Service

Most provides financial education and guidance, including using AI tools. We are not authorised or regulated by the Financial Conduct Authority (FCA) and do not provide regulated financial advice, investment recommendations, or any products such as loans or investments. All information is for educational and guidance purposes only.

3. Eligibility

You must be at least 18 years old to use our Service. By using the Service, you confirm that you are at least 18.

4. Your Responsibilities

You are responsible for any decisions you make based on guidance provided by Most. You must carry out your own research and seek independent financial advice where appropriate. While we strive to provide accurate information, our AI tools can make mistakes and we make no guarantees as to completeness or accuracy.

5. Data and Privacy

Your use of the Service is also subject to our Privacy Policy, which explains how we collect, use, and protect your personal data in compliance with UK GDPR and the Data Protection Act 2018.

6. Intellectual Property

All content on the Service, including AI outputs, text, graphics, and software, is owned by or licensed to Most. You may use the Service for personal or internal business purposes only and must not copy, reproduce, or distribute any content without our consent.

7. Limitation of Liability

To the fullest extent permitted by law, Most will not be liable for any loss, damage, or costs arising from your use of the Service or reliance on guidance provided. Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud, or any other liability which cannot be excluded by law.

8. Dispute Resolution and Governing Law

We aim to resolve disputes amicably. If a dispute arises, both parties agree to attempt resolution through mediation before taking court action. If mediation fails, disputes will be subject to the exclusive jurisdiction of the courts of England and Wales and governed by the laws of England and Wales.

9. Changes to These Terms

We may update these Terms to reflect changes in our services, legal requirements, or business operations. We will notify you of significant changes and continued use of the Service after updates means you accept the revised Terms.

10. Contact Us

If you have questions about these Terms, contact us at [email protected].