Terms of Service

In plain English: Theo gives guidance, not regulated financial advice. We do our best to be accurate but we're not perfect, and your financial decisions are always yours. The full legal version is below.

By using Theo at usetheo.co, you agree to these Terms of Service. Please read them carefully.

What Theo is

Theo is an AI-powered financial guidance tool. It provides education and general guidance about personal finance topics — it does not provide regulated financial advice. Nothing Theo says constitutes a personal recommendation to buy, sell, or hold any financial product.

Not financial advice

Theo provides financial guidance and education — not regulated financial advice. What we tell you is information to help you make your own decision; it is not a personal recommendation to buy, sell, or hold any specific product. Theo is not currently authorised by the Financial Conduct Authority to give regulated financial advice.

For decisions that legally require regulated advice from an FCA-authorised adviser — most notably transferring a defined benefit pension, or any transaction over statutory thresholds that trigger mandatory advice — you must speak to one. You can find an FCA-authorised adviser at unbiased.co.uk or vouchedfor.co.uk.

We follow the FCA's Consumer Duty principles in how we communicate, price our service, and support you — because they reflect how we think a good financial product should behave, not because we are authorised under them as a regulated firm.

AI limitations

Theo uses AI that can be wrong, out of date, or incomplete. Always double-check material claims — especially tax thresholds, allowances, and product availability — before you act on them. If something Theo says doesn't match what you find on GOV.UK or your provider, trust them, not us.

Accuracy

We work hard to ensure Theo's information is accurate and up to date, but we cannot guarantee it. Tax rules, allowances, and regulations change. Always verify important figures with HMRC, your employer, or a qualified professional before acting on them.

Your account

You are responsible for keeping your login credentials secure. You must be at least 18 years old to use Theo. You agree not to use the service for any unlawful purpose.

Acceptable use

You must not use Theo to: attempt to extract, scrape, or reproduce the underlying AI models or training data; submit false or misleading financial information to manipulate guidance; use the service for commercial gain without written permission from Use Theo Limited; or attempt to circumvent any security or access controls.

Intellectual property

Theo and its content — including the brand, software, guidance outputs, and all associated intellectual property — are owned by Use Theo Limited. You may not reproduce, distribute, or create derivative works from Theo's content without our written permission. Guidance outputs generated for your personal use are yours to use for that purpose; you may not resell or redistribute them.

Affiliate relationships

Theo may receive referral fees from financial product providers. Where a referral relationship exists, it will be disclosed at the point of any product link. Affiliate relationships do not influence the AI-generated guidance you receive.

Limitation of liability

To the fullest extent permitted by law, Use Theo Limited shall not be liable for: (a) any financial loss, investment loss, or consequential loss arising from your use of or reliance on information provided by this service; (b) any interruption, suspension, or withdrawal of the service; or (c) any decisions made on the basis of Theo's guidance. Nothing in these terms excludes liability for fraud, death, or personal injury caused by negligence, or any other liability that cannot be excluded by law.

Complaints

If you have a complaint about Theo, please contact us at ciaran@usetheo.co. We aim to acknowledge all complaints within 5 business days and resolve them within 28 days. If you remain dissatisfied, you may seek further resolution through the courts of England and Wales.

Changes to these terms

We may update these terms from time to time. We will give you at least 30 days' notice of material changes by email before they take effect. Continued use of Theo after changes take effect constitutes acceptance of the updated terms. If you do not accept the changes, you may close your account before the effective date.

Your right to close your account

You can delete your account at any time from Profile > Account. When you do, your personal data and chat history will be removed within 30 days, subject to any legal retention obligations (for example, fraud prevention records we are required to keep).

Data portability

You can request a full export of the data we hold about you at any time via Profile > Account. We will provide it in a machine-readable format within 30 days of your request.

Governing law

These terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

Contact

Questions about these terms? Email us at ciaran@usetheo.co. Use Theo Limited · Flat 3 Transenna Works, 1 Laycock Street, London N1 1SJ · Company No. 17104555.