Last updated: 20 October 2026
This website (finpalai.app) and the FinPal app are run by Nathan Baxter, a sole trader trading as FinPal, based in Northern Ireland, United Kingdom. FinPal is not a limited company.
FinPal is not authorised or regulated by the Financial Conduct Authority (FCA).
Where FinPal connects to your bank, the connection is made through TrueLayer Limited, which is authorised by the FCA to provide open banking services. Access is read-only: FinPal can see balances and transactions you choose to share, but it can never move, hold or pay out your money. Bank connections are currently limited to testing.
FinPal is a budgeting and money-tracking tool. Nothing on this website or in the app, including answers from FinPal AI, is financial, investment, tax, debt or legal advice, or a personal recommendation. Forecasts and figures are estimates based on what you have recorded and may be wrong. Check anything important with your bank or a qualified, regulated adviser before acting on it.
We will update this page if FinPal's regulatory status changes.
FinPal is in invite-only testing. Features may change, pause or be removed while it is developed.
The content of this website and the app, including text, graphics, the FinPal name and logo, and design, belongs to Nathan Baxter or the people who licensed it to FinPal. Please don't copy or reuse it without written permission.
We work to keep FinPal accurate and available, but we can't promise that the website or app will always be complete, correct or uninterrupted. As far as the law allows, we are not liable for loss arising from your use of, or reliance on, this website or the app. Nothing in this notice limits any liability that cannot be limited by law, or your statutory rights as a consumer.
This notice is governed by the law of Northern Ireland.
See also our Privacy Policy and Terms & Conditions.
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