SELF Financial Concierge
Membership Terms & Conditions
Last updated: 19 August 2026
These Membership Terms & Conditions explain the basis on which you become and remain a member of SELF Financial Concierge (“SELF”). By joining SELF or purchasing a paid SELF membership, you agree to these Terms.
1. About SELF
SELF Financial Concierge is operated by TMA HQ L.L.C-FZ, a limited liability company incorporated in Dubai, United Arab Emirates, under Licence No. 2541630.01, trading as SELF Financial Concierge.
TMA HQ L.L.C-FZ
Trading as SELF Financial Concierge
Meydan Grandstand, 6th Floor
Meydan Road, Nad Al Sheba
Dubai, United Arab Emirates
Licence No. 2541630.01
Email: hello@selffc.com
In these Terms, “SELF”, “we”, “us” and “our” mean TMA HQ L.L.C-FZ trading as SELF Financial Concierge.
2. What SELF is
SELF is a financial concierge designed for self-employed people.
Membership gives you access to the SELF Financial Concierge, providing you with one place to turn when you have questions or needs relating to your personal financial circumstances.
Where appropriate, SELF can connect you with relevant experts and selected partner firms who can provide specialist or regulated advice and services.
3. What SELF does not do
SELF does not itself provide regulated financial advice.
Our role is to understand what you need and, where appropriate, connect you with relevant expertise.
Any regulated financial advice, recommendation, financial product or specialist service is provided by the relevant adviser or partner firm, not by SELF.
An introduction by SELF does not constitute financial advice or a recommendation that any particular financial product or course of action is suitable for you.
If you choose to engage with a partner, that firm is responsible for the advice and services it provides and may provide you with its own terms of business, privacy information and regulatory disclosures.
4. Membership levels
SELF offers three membership levels: SELF, SELF Plus and SELF Private.
SELF is free and includes access to the SELF Financial Concierge, SELF content and community, access to our selected partner network and standard partner benefits.
SELF Plus includes the benefits of SELF together with a 45-minute human onboarding session, an annual financial review, enhanced partner benefits and priority access to events.
SELF Private includes the benefits of SELF Plus together with a dedicated human Financial Concierge, quarterly check-ins, exclusive partner benefits and access to exclusive private events.
Membership benefits may develop over time as SELF grows. We may make reasonable changes to individual benefits or features, but we will not materially reduce the overall service associated with a paid membership period you have already paid for without a legitimate reason and appropriate notice.
5. Onboarding, reviews and check-ins
SELF Plus and SELF Private members receive one 45-minute human onboarding session when they first join the relevant paid membership.
The session gives us an opportunity to understand your circumstances, discuss immediate financial needs and identify whether there are relevant SELF partners we can introduce you to. It does not constitute regulated financial advice.
SELF Plus and SELF Private include an annual financial review. SELF Private additionally includes quarterly check-ins with the SELF team or your dedicated human Financial Concierge.
These sessions and reviews are intended to help identify needs and appropriate next steps. Where specialist or regulated advice is required, it will be provided separately by the relevant partner firm.
6. Our partner network
SELF works with selected independent advisers, professionals and partner firms across different areas of personal finance.
Where we believe a partner may be relevant to your needs, we may offer to introduce you.
You are under no obligation to accept an introduction, engage with a partner or purchase any product or service.
Any partner you choose to engage with remains responsible for the advice, products and services it provides and for meeting its own professional and regulatory obligations.
7. Our commercial relationships with partners
SELF may receive a fee, commission, share of revenue or other commercial payment from a partner firm where a SELF member goes on to use that firm's services.
These commercial arrangements help support the SELF membership service.
The existence of a commercial relationship does not change the responsibility of the relevant partner for the advice or services it provides.
8. Member benefits and partner offers
SELF partners may provide benefits to SELF members. The level and nature of those benefits may depend on your membership level.
Benefits may include preferential pricing, reduced professional fees, complimentary consultations, enhanced service levels, priority access or other benefits.
Standard partner benefits are available to SELF members, enhanced partner benefits may be made available to SELF Plus members, and our most exclusive partner benefits may be reserved for SELF Private members.
The benefits available may vary between partners and may change from time to time. Any eligibility criteria relating to a partner's underlying product or service will continue to apply.
9. Membership prices
SELF is free to join.
SELF Plus costs £49 per month or £499 per year.
SELF Private costs £199 per month or £1,999 per year.
The price and billing frequency you select will be shown before you complete your purchase.
If we change a paid membership price in future, we will tell affected members before the new price applies to a future renewal. A price change will not affect a membership period you have already paid for.
10. Renewals
SELF Plus and SELF Private are recurring memberships and are available with monthly or annual billing.
Unless cancelled, a monthly membership renews each month and an annual membership renews each year using the payment method associated with your membership.
For annual memberships, we will contact you at least 30 days before each annual renewal to remind you of the amount due.
Monthly members can see their recurring price and billing frequency when they join and can cancel future renewal at any time in accordance with section 11.
11. Cancelling your membership
You can cancel the automatic renewal of SELF Plus or SELF Private at any time before your next renewal payment is taken.
You can cancel through the SELF membership payment portal, where available, or by contacting us at hello@selffc.com.
If you cancel after any applicable 14-day cooling-off period, your paid membership will normally remain active until the end of the monthly or annual membership period you have already paid for. You will then not be charged again.
SELF is free and can be left at any time by contacting us.
There is no charge for cancelling a membership renewal.
12. 14-day cooling-off period
If you purchase SELF Plus or SELF Private online, you may cancel your paid membership within 14 days of joining and request a refund of your membership fee, subject to your applicable statutory rights.
To cancel during the cooling-off period, email hello@selffc.com.
We will process any refund due to the original payment method.
The free SELF membership does not involve a membership payment and can be left at any time.
13. Upgrading or changing membership level
You may ask to move between SELF, SELF Plus and SELF Private.
Where you move from SELF to a paid membership, the new paid membership begins when the relevant payment is successfully completed.
Where you change between paid membership levels or billing frequencies, any timing, credit, charge or effective date will be shown or agreed with you before the change is completed.
If you cancel a paid membership but wish to remain a free SELF member, your access may revert to the benefits included with SELF after your paid membership period ends.
14. Payments
Paid membership payments are processed on our behalf by Stripe.
By purchasing a recurring SELF Plus or SELF Private membership, you authorise the applicable recurring membership payment to be charged to the payment method associated with your membership unless you cancel before renewal.
If a payment fails, we or our payment provider may contact you to update your payment information and may attempt to collect the outstanding payment again.
If payment remains outstanding, we may suspend paid membership benefits until payment has been received.
15. The SELF member community
Members may choose to join the private SELF member community. Participation is optional.
The community provides a place for SELF members to connect, exchange ideas, ask general questions and share experiences.
Information and opinions shared by other members are their own and should not be treated as advice from SELF.
Members must not use the community to provide unauthorised financial advice, harass other members, engage in unlawful activity or repeatedly send unsolicited commercial messages.
We may moderate the community and remove content or members where reasonably necessary to protect the community and its members.
16. Educational content
SELF may provide members with articles, guides, updates and other educational material.
This content is provided for general information and education only. Unless expressly stated otherwise, it does not constitute personalised financial, investment, mortgage, tax, legal or other professional advice.
Where you require advice specific to your circumstances, the SELF concierge can help connect you with relevant specialist expertise.
17. Your responsibilities
When communicating with SELF, you agree to provide information that is accurate and complete to the best of your knowledge.
You remain responsible for deciding whether to engage with any professional or partner introduced by SELF.
You should consider the advice, documentation and terms provided directly by a partner before deciding whether to proceed with its recommendations, products or services.
You must not share access to member-only services or benefits with someone who is not a SELF member unless we have expressly permitted it.
18. Your personal information
We process your personal information in accordance with the SELF Privacy Policy.
When you ask us to make an introduction, we may share relevant information with the partner you have agreed to be introduced to.
We will only share information reasonably required for the introduction and in accordance with our Privacy Policy.
Once your information has been provided to a partner, that partner will also be responsible for handling your information in accordance with its own privacy obligations.
19. Availability of the concierge
We aim to make the SELF Financial Concierge readily accessible to members.
However, we do not guarantee that the concierge or any particular member of the SELF team will be available continuously or respond immediately.
SELF Private includes a dedicated human Financial Concierge, but this does not mean that an individual concierge will be continuously available or able to respond immediately.
SELF is not an emergency service.
Where a matter is urgent or subject to a deadline, you should make this clear and obtain appropriate professional assistance where necessary.
20. Events
SELF may organise or provide access to member events from time to time.
SELF Plus members may receive priority access to eligible events, while certain exclusive private events may be reserved for SELF Private members.
Events may be subject to capacity, separate eligibility requirements, additional charges or specific event terms. Membership does not guarantee admission to every event.
21. Suspending or ending a membership
We may suspend or terminate a membership where a member seriously or repeatedly:
- abuses or harasses SELF staff, partners or other members;
- uses SELF for fraudulent or unlawful purposes;
- materially misuses the concierge or member community;
- shares membership access or member-only benefits without permission; or
- materially breaches these Terms.
We will act reasonably when exercising this right.
If we end a paid membership for reasons that are not your fault, we will provide an appropriate refund for any unused part of your paid membership period.
22. Our responsibility to you
SELF is responsible for providing the membership and concierge service with reasonable care and skill.
SELF is not responsible for regulated financial advice, recommendations, financial products or professional services independently provided by partner firms.
Nothing in these Terms excludes or limits liability where it would be unlawful for us to do so.
Nothing in these Terms affects any statutory rights you have as a consumer.
23. Changes to your membership or these Terms
We may update these Terms or make reasonable changes to SELF membership where necessary because of changes to our services, partners, technology, law, regulation or operating arrangements.
We will not use this right to retrospectively remove rights relating to a paid membership period you have already paid for.
Where a change materially affects your membership, we will provide reasonable notice.
24. Complaints
If you are unhappy with the SELF membership or concierge service, please contact us at hello@selffc.com.
We will investigate your complaint and aim to resolve it promptly.
If your complaint relates to regulated advice, a financial product or a service provided by one of our partner firms, the complaint should normally be made directly to that firm using the complaints procedure it provides to you.
25. Governing law and jurisdiction
These Terms and your SELF membership are governed by the laws of England and Wales.
If you are a consumer resident in the United Kingdom, you will also benefit from any mandatory protections available to you under the laws of the part of the United Kingdom in which you live.
Any dispute relating to these Terms or your membership may be brought before the courts of the part of the United Kingdom in which you live.