1. About Moneymise

Moneymise is a personal budgeting and money-management application designed to help users organise and understand their:

• income;

• expenses;

• budgets;

• spending limits;

• daily allowances;

• additional income;

• unpaid leave;

• upcoming financial commitments; and

• other personal budgeting information.

Moneymise is designed for informational and organisational purposes only.

2. No Financial Advice

Moneymise does not provide financial, investment, tax, accounting, lending, credit, or legal advice.

Any information, calculations, estimates, budgets, projections, allowances, or suggestions displayed within Moneymise are provided for general informational purposes only.

You remain responsible for all financial decisions you make.

For significant financial decisions, you should consider seeking advice from an appropriately qualified professional.

3. Eligibility

You must be at least 18 years old, or the minimum legal age required to enter into a binding agreement in your country, to use Moneymise.

By using Moneymise, you confirm that you meet this requirement.

4. User Accounts

Certain features may require you to create an account.

You agree to:

• provide accurate information;

• keep your account information up to date;

• protect your login credentials;

• not share your password with unauthorised persons; and

• notify us if you believe your account has been compromised.

You are responsible for activity carried out through your account.

5. Information You Provide

You may enter personal and financial information into Moneymise.

This may include information relating to your income, spending, expenses, budgets, salary dates, financial commitments, or other personal financial circumstances.

You are responsible for ensuring the information you provide is accurate.

Moneymise is not responsible for incorrect calculations or results caused by inaccurate or incomplete information entered by you.

6. Calculations and Estimates

Moneymise may generate calculations such as:

• spending limits;

• remaining budgets;

• daily allowances;

• expense totals;

• income totals;

• budgeting estimates; and

• projected amounts.

These calculations are intended to assist with personal budgeting.

We cannot guarantee that every calculation will be completely accurate or suitable for your individual circumstances.

You should independently verify important financial figures before relying on them.

7. Acceptable Use

You agree not to use Moneymise:

• for illegal or fraudulent activity;

• to access another user's account without permission;

• to interfere with the security or operation of the service;

• to upload malicious software or harmful code;

• to attempt to bypass security measures;

• to impersonate another person;

• to misuse the platform;

• to reverse engineer the application where prohibited by law; or

• in any way that could harm Moneymise or its users.

We may suspend or terminate accounts that violate these Terms.

8. Subscriptions and Paid Features

Moneymise may offer free and paid membership plans.

The price, features, and billing frequency of any paid plan will be displayed before you complete your purchase.

By purchasing a subscription, you authorise the relevant payment provider to charge the applicable fees.

Subscriptions may automatically renew unless cancelled before the next billing date, where this is stated during purchase.

9. Cancellation

You may cancel a paid subscription in accordance with the cancellation options available through your Moneymise account or the payment platform used to purchase the subscription.

Cancelling a subscription normally prevents future renewal charges.

Unless otherwise stated, access to paid features may continue until the end of the current paid billing period.

10. Refunds

Refund eligibility will depend on:

• applicable consumer law;

• the circumstances of the purchase;

• the payment provider used; and

• any refund terms displayed at the time of purchase.

Nothing in these Terms affects any statutory consumer rights that apply to you.

11. Third-Party Services

Moneymise may rely on third-party services to provide certain functionality.

These may include services for:

• hosting;

• authentication;

• membership management;

• payment processing;

• analytics;

• email communication;

• databases; and

• security.

Your use of those services may also be subject to the relevant provider's terms and privacy policies.

We are not responsible for services independently operated by third parties.

12. Availability of Moneymise

We aim to provide a reliable service, but we cannot guarantee that Moneymise will always be available without interruption.

The service may occasionally be unavailable due to:

• maintenance;

• updates;

• technical faults;

• third-party outages;

• security issues; or

• circumstances outside our reasonable control.

We may modify, update, add, or remove features from time to time.

13. Intellectual Property

Moneymise and its associated:

• name;

• branding;

• logos;

• software;

• design;

• text;

• graphics;

• interfaces; and

• original content

are owned by or licensed to [Your Name / Business Name], except where otherwise stated.

You may not copy, reproduce, distribute, sell, modify, or commercially exploit our intellectual property without prior written permission.

14. Your Content and Data

You retain ownership of information you enter into Moneymise.

You permit us and our authorised service providers to process that information where necessary to provide, maintain, secure, and improve the service.

The way we handle personal information is explained in our Privacy Policy.

15. Account Suspension and Termination

We may suspend or terminate access to Moneymise if we reasonably believe:

• you have seriously violated these Terms;

• your account is being used unlawfully;

• your activity creates a security risk;

• you have attempted to misuse the service; or

• suspension is required to protect other users or Moneymise.

Where appropriate, we may provide notice before taking such action.

16. Account Deletion

You may request deletion of your account where this functionality is available.

You can request deletion by:

[Settings → Account → Delete Account]

or by contacting:

[your support email]

Certain records may need to be retained where required by law or for legitimate purposes such as fraud prevention, accounting, security, or dispute resolution.

17. Limitation of Liability

To the fullest extent permitted by applicable law, Moneymise and [Your Name / Business Name] will not be liable for indirect, incidental, special, or consequential losses resulting from your use of the service.

This may include losses arising from:

• financial decisions made using information in the app;

• inaccurate information entered by users;

• temporary service interruptions;

• incorrect estimates;

• third-party service failures;

• unauthorised access outside our reasonable control; or

• loss of information.

Nothing in these Terms excludes liability that cannot legally be excluded.

18. Consumer Rights

Nothing in these Terms is intended to remove any legal rights you may have under applicable consumer protection law.

If any provision conflicts with a mandatory consumer right, the applicable law will take priority.

19. Privacy

Your privacy is important to us.

Our Privacy Policy explains how we collect, use, store, and protect personal information.

You should read the Privacy Policy together with these Terms & Conditions.

20. Changes to These Terms

We may update these Terms & Conditions from time to time.

When changes are made, we will update the Last updated date at the top of this page.

For significant changes, we may also notify users through the app, website, or email.

Your continued use of Moneymise after updated Terms become effective means you accept the revised Terms where permitted by law.

21. Governing Law

These Terms are governed by the laws of:

[England and Wales / your applicable jurisdiction]

Any disputes relating to these Terms will be handled by the courts or authorities with appropriate jurisdiction, subject to any rights you may have under applicable consumer law.

22. Contact Us

If you have questions about these Terms & Conditions, please contact:

Moneymise
Email: [your support email]
Website: [your website address]