Terms of Use

1. Who we are

Budget Wizard is a UK-based website providing money tools and calculators. Contact details are in section 14.

2. Not financial advice

Budget Wizard provides general information only. We do not provide financial, investment, legal, tax or accounting advice. Calculators and outputs are illustrative, based on assumptions you enter. Always consider seeking independent, regulated advice before acting.

3. Eligibility

You must be at least 16 years old to use the site. If you use the site on behalf of a business, you confirm you have authority to bind that business to these Terms.

4. Licence and acceptable use

We grant you a non-exclusive, revocable licence to access and use the site for personal or internal business use.

You agree not to:

• Copy, scrape, or bulk-download content or code (except as permitted by law)
• Reverse engineer, circumvent security, or disrupt the site
• Use the site for unlawful, misleading, or harmful purposes
• Resell or commercially exploit the calculators without our permission

5. Calculator assumptions & limitations

• Results depend on the accuracy of information you enter and on model assumptions (e.g., tax bands, interest rate compounding, thresholds).
• Outputs may be estimates, rounded, or simplified. Real-world outcomes vary.
• Tax and regulatory rules change. We do not guarantee the site reflects all changes in real time.

6. Third-party links

The site may contain links to third-party websites. We are not responsible for their content, accuracy, or practices.

7. Privacy & cookies

Our Privacy Policy explains how we handle personal data. By using the site you acknowledge it. Cookies are explained there too.

8. Intellectual property

All content, design, logos, text, graphics and code on the site are owned by us or our licensors and are protected by IP laws. You may not use our branding without permission.

9. Availability and changes

The site is provided “as is” and “as available”. We may update, suspend, or discontinue any part of the site without notice. We may also update these Terms – see section 13.

10. Liability

To the fullest extent permitted by law, we exclude all implied warranties and conditions. We will not be liable for any loss of profit, revenue, data, goodwill, or any indirect or consequential loss arising from your use of the site or reliance on outputs.

Nothing in these Terms limits or excludes liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under UK law.

11. Indemnity

You agree to indemnify us against claims, losses, liabilities, costs and expenses arising from your unlawful use of the site or breach of these Terms.

12. Governing law

These Terms are governed by the laws of England and Wales. Courts of England and Wales have exclusive jurisdiction, except that consumers resident elsewhere in the UK may bring claims in their local courts.

13. Changes to these Terms

We may update these Terms from time to time. The latest version will be posted on this page with an effective date. If changes are material, we’ll take reasonable steps to make you aware.

Effective date: September 2025

14. Contact

If you have questions about these Terms, please contact:

Email: support@budgetwizard.co.uk

Address: Budget Wizard, London, United Kingdom

15. Other important terms

• Severability: If any part of these Terms is found invalid, the rest remains in force.
• No waiver: A delay in enforcing rights does not waive them.
• Entire agreement: These Terms constitute the entire agreement between you and us regarding the site.