Money Easy is a financial recordkeeping and financial-readiness platform by Frontier Axis Research. It helps individuals and small businesses organise income, expenses, savings and debts and better understand their financial position. Money Easy does not provide loans, payday advances, debt collection or payment-processing services.
Money Easy
Money Easy is a WhatsApp chatbot by Frontier Axis Research. It helps individuals and small businesses organise income, expenses, savings and debts and better understand their financial position through WhatsApp. Money Easy does not provide loans, payday advances, debt collection or payment-processing services.
Terms of Service
These Terms of Service (“Terms”) govern your access to and use of Money Easy, a WhatsApp chatbot operated by Frontier Axis Research (“we”, “us”, or “our”), and this Money Easy page on https://frontier-axis.com (together, the “Services”).
By messaging or using Money Easy on WhatsApp, you agree to these Terms. If you do not agree, do not use Money Easy.
Description of Money Easy
Money Easy is a WhatsApp chatbot for financial recordkeeping and financial readiness. It helps individuals and small businesses organise income, expenses, savings and debts and better understand their financial position.
Money Easy does not provide loans or credit, payday advances, debt collection, or payment-processing services. Money Easy is not a bank, lender, payment institution, or debt adviser.
Money Easy is provided through WhatsApp. WhatsApp is operated by Meta Platforms, Inc. (or its affiliates). Your use of WhatsApp is also subject to WhatsApp’s own terms and privacy policy. We do not control WhatsApp.
By using Money Easy, you understand that messages you send to the chatbot are transmitted through WhatsApp’s systems before they reach us.
Using Money Easy
You must only use Money Easy with a WhatsApp number you are authorised to use. You are responsible for the accuracy of information you send to the chatbot and for keeping your phone and WhatsApp account secure.
We may suspend or stop providing Money Easy if these Terms are breached, for security reasons, or if we discontinue the service.
Acceptable use
You agree not to use Money Easy unlawfully; attempt to disrupt or misuse the chatbot; send content you do not have the right to share; misrepresent your identity; or present Money Easy as a lender, payment processor, debt collector, or provider of regulated financial advice.
No financial, investment, or legal advice
Money Easy responses and related website content are for information and organisation only. They are not personal financial, investment, tax, or legal advice, and are not a recommendation to buy, sell, or hold any security. You are responsible for your own decisions.
Your content
You retain ownership of the information you send to Money Easy. You grant us permission to receive, store, and process that information as needed to operate the chatbot and as described in the Privacy Policy below.
We retain Money Easy conversation and recordkeeping data for 10 years, as explained in the Privacy Policy and Data Protection sections below.
Intellectual property
Our chatbot, website, branding, and content (excluding your own messages and entries) belong to us or our licensors. You may use Money Easy for personal or internal business purposes under these Terms.
Availability
We aim to keep Money Easy available, but do not guarantee uninterrupted or error-free operation. WhatsApp outages or changes may also affect access. We may update or discontinue features where reasonable.
Disclaimers
To the fullest extent permitted by law, the Services are provided “as is” and “as available,” without warranties of any kind. We do not warrant that Money Easy replies or summaries will be complete or error-free. Nothing in these Terms excludes liability that cannot be excluded under applicable law.
Limitation of liability
To the fullest extent permitted by law, we are not liable for indirect or consequential loss, loss of profits, or loss of data arising from your use of Money Easy. Our total liability for any claim relating to the Services is limited to the amount you paid us for Money Easy in the 12 months before the claim, or ÂŁ100 if you have not paid us, whichever is greater.
Termination
You may stop using Money Easy at any time by stopping messages to the chatbot. Data handling is described in the Data Protection section below. We may suspend or end access if you breach these Terms or if we discontinue Money Easy.
Changes
We may update these Terms from time to time. We will change the “Last updated” date at the top of this page when we do. Continued use of Money Easy after changes means you accept the updated Terms, except where law requires otherwise.
Privacy Policy
This Privacy Policy explains how Frontier Axis Research collects, uses, and stores information when you use the Money Easy WhatsApp chatbot.
Information we collect
Information you provide through WhatsApp:
- Your WhatsApp phone number and full name
- Messages you send to Money Easy
- Financial recordkeeping information you choose to share (for example income, expenses, savings, debts, and notes)
Information collected automatically:
- Technical and delivery data needed to operate the chatbot (for example message timestamps and delivery status)
- If you visit this website page: technical data such as IP address, browser type, device type, pages visited, and cookies where used
Money Easy does not provide loans, payday advances, debt collection, or payment-processing services.
How we use information
We use information to:
- provide and operate the Money Easy WhatsApp chatbot
- organise and respond to the financial information you send
- respond to support, privacy, and deletion requests
- keep the Services secure and prevent abuse
- meet legal obligations
- keep records for our retention period
We do not sell your personal information.
We do not use your Money Easy messages for third-party advertising.
How we share information
Messages are sent through WhatsApp / Meta as part of how the chatbot works.
We may also share information with trusted service providers who help us run Money Easy (for example hosting or messaging infrastructure), with professional advisers where needed, with authorities when required by law, or with a successor if the business is sold, with appropriate safeguards.
Retention — 10 years
We keep Money Easy WhatsApp conversation data and financial recordkeeping information you send for 10 years from the later of:
- the date of your first Money Easy interaction; or
- the date of your last Money Easy interaction.
After that period, we delete or anonymise the data, unless we must keep it longer for legal reasons.
If you ask us to delete your data sooner, see the Data Protection section below. Where the law requires us to honour a deletion request, we will do so. Otherwise, our standard business retention period is 10 years.
Cookies
This website page may use essential cookies so the site works, and analytics cookies where enabled. You can control cookies in your browser settings. The WhatsApp app has its own settings controlled by Meta / WhatsApp.
Security
We take reasonable steps to protect personal information we hold. No messaging service is completely secure. Protect your phone and WhatsApp account, and use the website Contact page if you think your Money Easy data has been accessed without permission.
Your rights
Depending on where you live, you may have rights to access, correct, or delete personal information, or to object to certain processing. Use the website Contact page to make a request. You may also contact your local data-protection authority.
Children
Money Easy is not directed to children under 16. If you believe a child has used Money Easy, use the website Contact page and we will take appropriate steps.
Changes to this Privacy Policy
We may update this Privacy Policy and will change the “Last updated” date at the top of this page when we do.
Data Protection
Our standard retention period is 10 years.
Standard retention
Unless a sooner deletion is required by law, we retain Money Easy WhatsApp conversation data and financial recordkeeping information for 10 years from the later of your first or last Money Easy interaction. We do this for recordkeeping, compliance, dispute handling, and business continuity.
What you can request
Through the website Contact page, you can ask us to:
- stop processing your Money Easy chatbot data for active use;
- request deletion or anonymisation of personal information where required by law; and
- ask what data we hold about you.
How to request deletion
Use the Contact page on https://frontier-axis.com and include:
- the WhatsApp phone number you used with Money Easy;
- whether you want deletion of personal details, cessation of chatbot use, or both; and
- enough information for us to verify the request.
Write “Data deletion request — Money Easy” at the start of your message.
What we will do
After we verify your request, we will:
- confirm we received it;
- stop active use of your Money Easy data where requested; and
- respond within 30 days (or sooner if required by law).
Important — 10-year retention
Because our retention period is 10 years, stopping use of Money Easy does not always mean every historical message or financial record is erased immediately.
- We will stop active chatbot use of your data where requested.
- Where law requires deletion of personal data, we will delete or anonymise that personal data.
- Conversation and recordkeeping data may be retained in our systems for the remainder of the 10-year retention period, with access restricted to legitimate business, security, or legal needs.
- When the 10-year period ends, we delete or anonymise remaining data, unless law requires a longer hold.
Data held by WhatsApp / Meta is subject to their own policies and retention practices, which we do not control.
What we may also keep
We may keep:
- a record of your deletion request;
- limited security logs for a shorter period; and
- information we must keep for legal, tax, or dispute reasons.