Last updated: 09/09/2025
These Terms & Conditions ("Terms") govern your use of Warren (the "Service"), operated by FF WealthCo Limited ("we", "us", or "our"). By creating an account or otherwise using the Platform, you agree to these Terms. If you do not agree, you may not use the Service.
1.1 Warren is an AI-powered financial co-pilot. Users can have conversations with Warren and receive financial summary reports.
1.2 The Service is provided for informational and educational purposes only. It does not constitute regulated financial advice, investment advice, tax advice, or legal advice.
1.3 You remain solely responsible for your financial decisions. You should seek guidance from a qualified financial adviser before making significant financial decisions.
2.1 You must be at least 18 years old to use the Service.
2.2 By using Warren, you confirm that the information you provide is accurate and that you are legally capable of entering into these Terms.
3.1 You agree to provide accurate and complete information when engaging with Warren.
3.2 You must not misuse the Service, including attempting to interfere with its normal operation or providing unlawful or harmful content.
3.3 You are responsible for maintaining the confidentiality of your account and access details.
4.1 We make no guarantee that Warren's outputs or reports are accurate, complete, or suitable for your individual circumstances.
4.2 We accept no liability for any loss, damage, or costs arising from reliance on information provided by Warren.
4.3 Nothing in these Terms excludes or limits our liability where it would be unlawful to do so (for example, in cases of fraud, fraudulent misrepresentation, or death/personal injury caused by negligence).
5.1 All intellectual property rights in Warren, including AI models, software, and generated reports, remain owned by Warren or our licensors.
5.2 You are granted a limited, non-exclusive licence to use reports and outputs from Warren for your personal use only.
6.1 We process your personal data in accordance with our Privacy Policy.
6.2 You are responsible for ensuring that any information you share with Warren does not breach third-party rights or applicable law.
7.1 Where the Service is offered on a paid basis, you agree to pay the fees displayed at the point of purchase.
7.2 All fees are non-refundable except where required by law.
8.1 To protect the integrity of Warren, we may review activity on your account if we reasonably believe there has been a breach of these Terms, misuse of the Service, or unusual behaviour.
8.2 Depending on the circumstances, we may take actions that include:
8.3 Decisions about enforcement are made at our discretion. While we aim to act fairly and proportionately, we are not obliged to explain or justify every action we take.
9.1 These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.
9.2 If you access Warren from outside the United Kingdom, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.
10.1 Warren is an AI-powered system. When you interact with Warren, you are engaging with automated software, not a human financial adviser.
10.2 The Service is provided for informational and educational purposes only. It does not constitute regulated financial advice, investment advice, tax advice, or legal advice.
10.3 The Service is not authorised or regulated by the Financial Conduct Authority (FCA) or any equivalent body in other jurisdictions. Warren cannot provide personalised regulated financial advice.
10.4 You remain solely responsible for verifying the accuracy and suitability of any information provided by Warren before relying on it or making financial decisions.
11.1 Warren may generate responses that are factually incorrect, incomplete, misleading, or unrelated to your query ("hallucinations"). These are an inherent limitation of artificial intelligence technology.
11.2 Hallucinations may occur even where outputs appear confident, detailed, or authoritative. You must not assume that the information provided by Warren is correct without independently verifying it.
11.3 We strongly recommend that you:
11.4 We are not responsible for any loss, damage, or cost arising from reliance on hallucinated, inaccurate, or misleading information generated by Warren.
We may update these Terms from time to time. If we make material changes, we will notify you by updating the "Last updated" date and, where appropriate, by additional notice.