Finsensa is operated by Finsensa Ltd, a company registered in England and Wales (company number 17072795), with registered address at 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ. References to “Finsensa”, “we”, “us” or “our” mean Finsensa Ltd.
These Terms govern access to and use of the Finsensa platform, including Founding Member Access, paid subscriptions, software, APIs, exports, support and related services. By creating an account, activating a workspace or using the platform, you agree to these Terms. If you act on behalf of a firm, company or partnership, you confirm you have authority to bind that organisation.
Finsensa is case preparation and evidence organisation software for UK commercial finance professionals. It helps users structure financial data, generate forecasts and repayment metrics, organise evidence, create credit pack documents and record lender outcomes.
Finsensa does not:
Finsensa is designed as software tooling only. Professional judgement, client advice, lender selection, suitability assessment, final pack content and submission decisions remain solely with the authorised adviser, accountant, broker, firm or other professional user.
Founding Member Access is an early-access programme for selected professional users. Access may include priority onboarding, first-case support, product feedback requests and direct contact with the founding team. It may be provided free of charge or at a founding-member price stated separately.
The platform may change during the pilot. Features, workflows, metrics, templates and exports may be added, removed or amended. You must independently review all outputs before using them with clients or lenders. Founder support and first-case reviews are readiness and product-calibration support only; they are not regulated advice, lender recommendations or credit broking services.
We may approve, waitlist, suspend or revoke Founding Member Access at our discretion, including where programme capacity is reached, legal or security concerns arise, or the use case is not suitable for the current product stage.
You are responsible for keeping login credentials confidential and for all activity under your account or workspace. You must provide accurate information, keep contact details up to date, and ensure only authorised users access your workspace.
At signup or workspace activation, you may be asked to confirm acceptance of these Terms and acknowledge the Privacy Policy. You must not use Finsensa if you do not agree to them.
You must use Finsensa only for lawful professional purposes. You must not:
We may suspend or terminate access immediately where we reasonably suspect unlawful use, security risk, regulatory risk, misuse, non-payment or breach of these Terms.
When you upload client data, including bank statements, transaction records, accounts, management information, security details or other case evidence, you confirm that:
Finsensa is not responsible for any breach arising from your lack of authority, lack of lawful basis, inaccurate data, misleading submission or misuse of platform outputs.
Finsensa does not hold FCA authorisation and does not act as an authorised person under FSMA. The platform is designed as software infrastructure for professional users, not as a lender marketplace, broker service or advice service.
Activities around SME lending may be regulated, especially where users advise, arrange, introduce or broker credit for sole traders, small partnerships, unincorporated bodies or other persons within the consumer credit perimeter. You are responsible for obtaining your own legal and regulatory advice and ensuring that your use of Finsensa is consistent with all permissions, exemptions and professional duties that apply to you.
Nothing in Finsensa's outputs should be treated as a statement that a case is suitable, fundable, compliant or likely to be accepted by a lender.
Finsensa does not conduct customer due diligence, Know Your Customer checks, sanctions screening or suspicious activity reporting on your behalf. You remain responsible for any AML, counter-terrorist financing, fraud prevention and client due diligence obligations that apply to your business.
Finsensa outputs may include forecasts, DSCR calculations, sensitivity tables, readiness warnings, Trust Badge tiers, repayment-story suggestions, PDF packs, Excel workbooks and evidence bundles. These outputs are generated from data provided or connected by users and may contain errors, omissions or assumptions.
You must review, verify and approve all outputs before relying on them or submitting them to a client, lender or third party. You are responsible for correcting inaccurate data, documenting assumptions and ensuring the final submission is complete, accurate and not misleading.
We may use anonymised and aggregated platform data, including lender outcome patterns, follow-up categories, Trust Badge distributions, timing metrics and product usage information, to improve Finsensa, produce benchmark reports and demonstrate platform effectiveness. No individual client, adviser, firm or lender will be identified in published benchmark outputs, and an aggregation threshold of at least 50 relevant data points will be applied before publication or external sharing.
This does not transfer ownership of your underlying data to Finsensa.
Finsensa, including its software, workflows, designs, templates, code, algorithms, analytics and platform materials, is owned by Finsensa Ltd or its licensors. We grant you a limited, revocable, non-exclusive, non-transferable licence to use the platform for your lawful professional purposes.
You retain ownership of data you upload and of client-specific outputs generated from that data, subject to Finsensa's ownership of the underlying software, templates and generic platform materials.
Each party must keep the other party's confidential information confidential and use it only for purposes connected with these Terms. Confidential information includes non-public product information, pricing, business information, client case data, financial data, support notes and first-case review materials.
These obligations do not apply to information that is public, already lawfully known, independently developed, received from a third party without restriction, or required to be disclosed by law or regulator.
Where a paid subscription applies, fees, billing frequency, included usage, overage charges and payment terms will be shown at checkout, in an order form or in a written subscription confirmation. Fees are exclusive of VAT unless stated otherwise.
Subscriptions renew for the stated billing period unless cancelled in accordance with the applicable subscription terms. We may suspend access for overdue invoices or failed payment after reasonable notice. Unless stated otherwise, fees are non-refundable except where required by law or agreed in writing.
Founding Member Access may have separate pilot or early-access pricing. Commercial pricing after the pilot will be notified before paid conversion.
During Founding Member Access, Finsensa is provided as an early-stage platform without a guaranteed uptime commitment. We may change or withdraw features as the product develops. For paid users, we will use reasonable endeavours to maintain the platform and give reasonable notice before withdrawing material features, where practicable.
Support may be provided by email, in-app support, community channels or founder-led onboarding depending on the user's plan or pilot status. Support does not include regulated advice or lender placement.
You agree to indemnify Finsensa against losses, claims, costs, liabilities and expenses arising from: unlawful or unauthorised data uploads; misleading, fraudulent or inaccurate submissions; breach of these Terms; breach of client confidentiality; breach of data protection law caused by your instructions or lack of lawful basis; or your regulated or professional activities outside the platform.
To the fullest extent permitted by law, Finsensa is not liable for:
Our total aggregate liability in any 12-month period is limited to the greater of the fees paid by you to Finsensa in that period or GBP 199. During free Founding Member Access, our total liability is limited to GBP 199.
Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation or any liability that cannot legally be excluded.
You may close your account by contacting support@finsensa.com. We may suspend or terminate access for breach, misuse, non-payment, legal or regulatory risk, security risk, or legitimate operational reasons.
On termination, access will cease. Data will be retained or deleted in accordance with the Privacy Policy and Data Processing Agreement, unless longer retention is required for legal, audit, dispute or security purposes.
This section forms the Data Processing Agreement (DPA) between you, as controller, and Finsensa, as processor, for client case data processed on your behalf.
| Subject matter | Processing SME client case data to provide Finsensa's credit-pack preparation platform. |
| Duration | For the term of your account or subscription, plus retention periods stated in the Privacy Policy. |
| Nature and purpose | Hosting, storing, extracting, organising, analysing, exporting and securing case data and generated outputs. |
| Data subjects | SME clients, directors, shareholders, guarantors, counterparties, employees or other individuals appearing in uploaded case evidence. |
| Personal data | Names, contact details, company details, bank transactions, financial records, account references, case notes, signatures, IDs where uploaded, lender outcome notes and related evidence. |
| Special category data | Not intentionally requested, but may appear incidentally in transaction descriptions or uploaded documents. |
Finsensa will:
You authorise Finsensa to use sub-processors needed to provide the platform, including those identified in the Privacy Policy. Finsensa will impose data protection obligations on sub-processors that are materially equivalent to this DPA. We will update the Privacy Policy or processor list when material sub-processor changes occur.
Finsensa will provide reasonable information needed to demonstrate compliance with this DPA. Any audit must be reasonable, proportionate, subject to confidentiality, avoid disruption to our services and not compromise other customers' data or security.
Where Finsensa or its sub-processors transfer personal data outside the UK or EEA, appropriate safeguards will be used, such as adequacy regulations, the UK-US Data Bridge, UK International Data Transfer Agreements or UK Addenda to EU Standard Contractual Clauses.
These Terms are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction over disputes, except that either party may seek urgent injunctive or equitable relief in any competent court.
We may update these Terms from time to time. Material changes will be notified to registered users where practicable. Continued use of Finsensa after an updated version takes effect constitutes acceptance of the updated Terms.
For questions about these Terms, contact support@finsensa.com.
Finsensa Ltd · 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ · Company number 17072795