FAQ
Questions about FinGem-AI
Clear answers about the platform, UK Open Banking, pricing in £, Financial Intelligence, and how to get started.
What is FinGem-AI?
FinGem-AI is a GBP-native personal finance and financial intelligence platform for UK users. Organise accounts and transactions, plan cash flow, track wealth, and get insights that help you understand and improve your finances — with you always in control.
How does FinGem-AI connect to my bank?
On Pro and Ultra, UK bank connections use Open Banking through TrueLayer. You grant consent through a regulated connection flow. Supported institutions depend on TrueLayer coverage — check the app after signing in for the latest list.
Is FinGem-AI a bank?
No. FinGem-AI is personal finance software. It does not hold deposits, issue bank accounts, or act as a bank.
Does FinGem-AI move my money?
No. FinGem-AI helps you view, organise, plan, and analyse your finances. It does not initiate payments or transfer funds on your behalf.
What is Financial Intelligence?
Financial Intelligence turns your transaction history into useful context — merchants, subscriptions, insights, health scores, recommendations, and (on Pro+) decision support and what-if scenarios. Features vary by plan.
Which plans are available?
Plus, Pro, and Ultra — billed in GBP monthly or yearly. Plus covers essential tracking and intelligence foundations. Pro adds Open Banking and deeper intelligence. Ultra adds portfolio and the complete wealth workspace.
Can I cancel my subscription?
Yes. You can manage or cancel your subscription from the FinGem-AI billing settings. Cancellation is scheduled for the end of the current billing period via Stripe.
How is my data handled?
We use your data to provide the service you signed up for — dashboards, sync, billing, and optional AI features. Bank tokens are encrypted at rest. See the Privacy Policy for details, processors, and your UK GDPR rights.
Can I import transactions?
Yes. FinGem-AI supports CSV and OFX import with format detection, duplicate checks, and mapping — useful when migrating from another finance app or filling gaps.
What happens if I disconnect an account?
Disconnecting stops further Open Banking sync for that connection. Existing imported or synced history remains subject to your account controls and retention rules — you stay in control of what stays in your workspace.
Is FinGem-AI financial advice?
No. FinGem-AI provides tools, analysis, and recommendations to help you understand your finances. It is not regulated financial advice. Decisions remain yours.