Last Updated: 10 June 2025
Welcome to BudgetWise. These Terms of Use ("Terms") govern your use of our website located at www.budgetwise.co.uk (the "Site") and any related services offered by BudgetWise ("we," "us," or "our").
By accessing or using the Site, you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Site.
The content provided on this Site is for general information and educational purposes only. It is not intended to be and should not be construed as financial advice. Before making any financial decisions, we recommend consulting with qualified financial professionals who can provide advice tailored to your specific circumstances.
Unless otherwise stated, BudgetWise owns the intellectual property rights for all material on the Site. All intellectual property rights are reserved. You may view and/or print pages from the Site for your own personal use subject to restrictions set in these Terms.
You must not:
In these Terms, "User Content" means material (including text, images, audio material, video material, and audio-visual material) that you submit to the Site, for whatever purpose.
You grant to BudgetWise a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate, and distribute your User Content in any existing or future media. You also grant to BudgetWise the right to sub-license these rights and the right to bring an action for infringement of these rights.
Your User Content must not be illegal or unlawful, must not infringe any third party's legal rights, and must not be capable of giving rise to legal action whether against you or BudgetWise or a third party.
BudgetWise reserves the right to edit or remove any material submitted to the Site, or stored on our servers, or hosted or published on the Site.
The Site is provided on an "as is" and "as available" basis without any representations or warranties, express or implied. BudgetWise makes no representations or warranties in relation to the Site or the information and materials provided on the Site.
Without prejudice to the generality of the foregoing paragraph, BudgetWise does not warrant that:
Nothing on the Site constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any financial matter, you should consult an appropriate professional.
BudgetWise will not be liable to you in relation to the contents of, or use of, or otherwise in connection with, the Site:
These limitations of liability apply even if BudgetWise has been expressly advised of the potential loss.
You must not use the Site in any way that causes, or may cause, damage to the Site or impairment of the availability or accessibility of the Site, or in any way which is unlawful, illegal, fraudulent, or harmful, or in connection with any unlawful, illegal, fraudulent, or harmful purpose or activity.
You must not use the Site to copy, store, host, transmit, send, use, publish, or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit, or other malicious computer software.
You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction, and data harvesting) on or in relation to the Site without BudgetWise's express written consent.
BudgetWise is based in the United Kingdom. We make no claims that the Site or any of its content is accessible or appropriate outside of the UK. Access to the Site may not be legal by certain persons or in certain countries. If you access the Site from outside the UK, you do so on your own initiative and are responsible for compliance with local laws.
The Site may contain links to third-party websites or services that are not owned or controlled by BudgetWise.
BudgetWise has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that BudgetWise shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.
We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.
You agree to defend, indemnify, and hold harmless BudgetWise, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Site after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Site.
We may terminate or suspend access to our Site immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.
All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
These Terms shall be governed and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
If you have any questions about these Terms, please contact us at: