Terms & Conditions

Last updated: 6 July 2026

1. Who we are and what we provide

SpendWise provides an online platform of educational budgeting, expense tracking, saving goal planning, and tax organisation tools (“the Service”). The Service is a personal organisation tool. It is not a bank, payment institution, financial adviser, investment adviser, accountant, or tax adviser, and it is not authorised or regulated by the Financial Conduct Authority.

2. No advice

Nothing on the Service — including tips, articles, templates, reminders, charts, or calculated figures such as “monthly required saving” — constitutes financial, investment, legal, or tax advice. All figures are organisational estimates based only on the numbers you enter. You are responsible for verifying tax deadlines and obligations with HMRC/GOV.UK or a qualified professional, and for your own financial decisions.

3. Accounts and access

• Accounts are created by our team after you purchase a plan. You receive temporary credentials and must set your own password on first login.
• You must keep your login details confidential and not share your account. Each user in a multi-user package must use their own account.
• You must provide accurate contact details so we can deliver credentials and renewal notices.
• We may suspend an account for non-payment, security concerns, or breach of these terms; we will tell you why and how to resolve it.

4. Subscriptions, payment, and renewal

• Plans run for the fixed session length purchased (1, 3, 6, or 12 months) from the agreed start date.
• Payment may be made by card or by manual methods (e.g. bank transfer) agreed with our team.
• Subscriptions do not auto-renew without your confirmation. We contact you before expiry; if you do not renew, your account changes to “expired” and access pauses.
• After expiry, your data is retained for 12 months (see the Privacy Policy) so you can renew and continue.

5. Cancellations and refunds

Under the Consumer Contracts Regulations 2013 you have a 14-day cooling-off period from purchase. If you ask us to activate your account immediately, you consent to the service starting within that period, and any refund may be reduced proportionally for the time used. Contact us to cancel; statutory rights are unaffected.

6. Your content

You retain ownership of everything you enter or upload (budget entries, documents, notes). You grant us only the limited licence needed to store and display it back to you. You are responsible for having the right to upload any document you store, and for not uploading unlawful content.

7. Acceptable use

You must not attempt to access other users' data, probe or disrupt the Service, share your account, or use the Service for unlawful purposes.

8. Service availability and changes

We aim for high availability but do not guarantee the Service will be uninterrupted or error-free. We may improve or change features, giving reasonable notice of any material reduction during a paid session.

9. Liability

Nothing in these terms limits liability for fraud or for death or personal injury caused by negligence. Otherwise, our total liability to you is limited to the amount you paid for your current session. We are not liable for financial outcomes, tax penalties, missed deadlines, or decisions you make — the Service is an organisational aid, and no saving or budgeting outcome is guaranteed.

10. General

These terms are governed by the laws of England and Wales, and disputes are subject to the courts of England and Wales (or your local UK courts where consumer law provides). If any clause is found invalid, the rest remain in force. We may update these terms; material changes will be notified to active subscribers by email.

11. Contact

contact@spendwise.site · Contact page