Terms & Conditions

Last updated: 3 September 2026.

These Terms & Conditions (the "Terms") set out the agreement between you ("you", "the user", "the client") and Healthy Finances ("Healthy Finances", "we", "us", "our"), a VAT-registered financial-services business based in Jerusalem, Israel, governing your access to and use of the website at healthy-finances.com (the "Site") and any services we provide through it.

1. Acceptance of these terms

By accessing, browsing or using the Site, or by engaging Healthy Finances for any service, you confirm that you have read, understood and agree to be bound by these Terms and by our Privacy Policy. If you do not agree with any part of these Terms, please do not use the Site or our services.

2. Our services

Healthy Finances provides business financial services including bookkeeping, cash-flow management, payroll auditing and control, budgeting, financial dashboards and reporting, and fraud detection and prevention, together with related informational content published on the Site.

The content published on the Site is provided for general informational purposes only. Nothing on the Site — including articles, guides, tools, examples or general explanations — constitutes individualised financial, accounting, tax, legal or investment advice, and it should not be relied upon as a substitute for professional advice tailored to your specific circumstances. Formal, individualised advice and service deliverables are provided only under a separate written engagement agreed between you and Healthy Finances, which will define the scope, fees and terms of that specific work.

3. Eligibility

You must be at least 18 years old and have the legal capacity to enter into a binding agreement in order to use our services. Where you use the Site or engage us on behalf of a business or other legal entity, you represent that you are authorised to bind that entity to these Terms.

4. User obligations

When using the Site and our services, you agree to:

• provide accurate, current and complete information when you contact us or engage our services;
• use the Site only for lawful purposes and in accordance with these Terms;
• not attempt to gain unauthorised access to the Site, its servers or any connected systems;
• not introduce any virus, malware or other harmful code, or otherwise interfere with the proper operation of the Site;
• not copy, scrape, harvest or misuse any content, contact details or data made available through the Site.

5. Intellectual property

All content on the Site — including text, graphics, logos, the Healthy Finances name and brand, icons, images, layouts and software — is owned by or licensed to Healthy Finances and is protected by applicable intellectual property laws. You may view and print content for your own personal, non-commercial reference. You may not reproduce, republish, distribute, modify or exploit any content for commercial purposes without our prior written consent.

6. Third-party links

The Site may contain links to third-party websites or resources provided for your convenience. We do not control, endorse or accept responsibility for the content, products, services or privacy practices of any third-party site. Accessing any linked site is at your own risk, and it is governed by that site's own terms and policies.

7. Disclaimers & limitation of liability

The Site and its content are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including as to accuracy, completeness, reliability, fitness for a particular purpose or uninterrupted availability. While we take reasonable care to keep information accurate and current, financial regulations and circumstances change, and we do not warrant that all content is complete or up to date.

To the fullest extent permitted by applicable law, Healthy Finances shall not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, data or business, arising out of or in connection with your use of — or inability to use — the Site or any reliance on its content. Nothing in these Terms limits or excludes any liability that cannot lawfully be limited or excluded under Israeli law.

8. Indemnification

You agree to indemnify and hold harmless Healthy Finances and its personnel from and against any claims, liabilities, damages, losses and expenses (including reasonable legal fees) arising out of or connected with your breach of these Terms, your misuse of the Site, or your violation of any law or the rights of a third party.

9. Privacy

Our handling of personal data is described in our Privacy Policy, which forms part of these Terms. By using the Site, you consent to the collection and use of information as set out in that policy.

10. Changes to these terms

We may update or amend these Terms from time to time to reflect changes in our services, the law or our practices. The current version will always be posted on this page with its "Last updated" date. Your continued use of the Site or our services after any change takes effect constitutes acceptance of the revised Terms.

11. Governing law & jurisdiction

These Terms and any dispute or claim arising out of or in connection with them, the Site or our services shall be governed by and construed in accordance with the laws of the State of Israel. The competent courts of Jerusalem, Israel shall have exclusive jurisdiction over any such dispute.

12. Contact us

If you have any questions about these Terms, please get in touch:

• Email: [email protected]
• Phone: +972 55-966-2379
• Location: Jerusalem, Israel