Terms & Conditions
Phone Number: 0330 124 4537
Mondays to Thursdays – 9am to 6pm
Fridays – 9am to 5pm
1. Company Information
1.1 Budget Wizard is a trading style of Thor Marketing Ltd, a company registered in the UK, Number 10340069. Our Registered office address is Centaur House, Ancells Business Park, Ancells Road, Fleet, GU51 2UJ, United Kingdom.
1.2 These Terms & Conditions govern our contract with you.
1.3 The present Terms & Conditions regulate your use of the website budgetwizard.co.uk and the services available on the same budgetwizard.co.uk website. These Terms & Conditions also apply when you access our services via another website.
1.4 We always depend on these Terms & Conditions, which will be legally binding. By using our website and services you agree to follow with the terms set out here. You should go through these Terms & Conditions with patience and contact us if you need clarity at any point.
1.5 For the purpose of your own future reference, we suggest that you print and keep a copy of these Terms & Conditions.
2. Right to Change the Terms & Conditions
2.1 When the law changes, or when we develop our website/services or third-party arrangements, we may have to add to these Terms & Conditions, and therefore reserve the right to do so.
3. Registration and Sign In
3.1 It is your responsibility to make your sign-in details (username and password) confidential, and only to yourself. These details will be given when you sign up and must be used to sign in, in order to use our services.
3.2 We will bear no responsibility for any unauthorised person(s) getting into your account, using your sign-in details, unless it is directly caused by our negligence.
3.3 Please contact us, at your earliest opportunity, if you have any reason to believe that someone may have gained access to your account details or the website dishonestly.
4. Services Offered
4.1 All services requested by you, and/or provided by Budget Wizard, are covered and governed by these Terms & Conditions.
4.2 For services provided by third parties, different terms and conditions will apply.
4.3 Our service is as described on our website and/or, where you access our services via another website.
4.4 When you request a service from us, a binding legal contract is formed between you and us on the earlier to occur of:
4.4.1 when we receive payment from you; and
4.4.2 when we make the service available to you.
4.5 If you make a mistake when requesting a service from us, please contact us as soon as possible so we can try to help you correct it.
5. Assignment Rights
5.1 This agreement may be assigned by us to a third-party service provider who will provide the same, or very similar, services to that which this agreement refers. If so, we will inform you by email before the assignment takes place. Any assignment will be at no additional cost, fee or exposure to you and the terms offered by the assignee will be identical to the ones proposed by us when this agreement was carried out.
5.2 In the event of this agreement being assigned to a third party, the assignee will not require any activity from you. It is our responsibility to inform you of any assignment and transfer. However, once the assignment has been completed, the assignee will communicate directly with you from that point onwards. Any further assignee’s will carry the same obligations.
5.3 We will make sure that, in the event of any assignment, all third-party service providers thereafter are compliant with their obligations towards you as initially agreed, that your data is kept according to all legal requirements and that you are not deprived of all procedures for complaints and other resources that you were originally entitled to under this agreement.
5.4 Any assignee will have the full rights afforded by this agreement.
6. Membership Terms
6.1 The membership will start straight away after signing up.
6.2 You can cancel your account at any time.
6.3 You will not be entitled to a refund of any subscription payments made.
6.4 You will be charged £29.86 per month for access to our services After monthly charges have begun, you will still be able to cancel your subscription, and this will prevent further charges.
7. Prices & Payment Conditions
7.1 We check, on a regular basis, to make sure that our prices are displayed correctly on our website.
7.2 From time to time, our prices may change.
7.3 Payments will be taken in Pounds Sterling, and the prices quoted on our website are inclusive of VAT and all other relevant taxes.
7.4 We recommend that you regularly check the website for notices about price changes which may affect your subscription fees. This, and email, will be our main methods of communicating such changes.
7.5 To make sure your payment card details are securely kept, you agree that we can use the services of a secure Payment Service Provider (PSP) that will hold your card details generally and on our behalf, or any subsequent assignee’s subject to clause 5. All references to “us” or “we” in this clause 7 refer to the PSP and us where applicable. The PSP undertakes to comply with all data protection and data disposal in accordance with all legal requirements. To facilitate the processing of payments and repayments you authorise us to securely pass your charge, credit and debit card details to a PSP and for them to be retained.
7.6 Subscription service payments must be made by credit or debit card using the payment facilities on the website. By providing your payment details to us, you authorise that we may (and shall) take regular subscription payments from your payment card account until you or we end the services. We may stop providing the services without notice to you if, at any point, we are unable to obtain payment using the payment method details you provided to us.
7.7 The credit or debit cards we accept as payment methods are displayed on the website.
7.8 If your monthly subscription payment of £29.86 fails/is declined, we will continue to try to collect payment for your monthly subscription fee of £29.86 periodically until we succeed.
7.9 No payment will be deemed to have been made until we have collected funds and we may choose not to provide services until we receive payment in full.
7.10 We accept no responsibility for any bank fees or overdraft charges that arise as a result of you having insufficient funds when we take payment for the services we are providing to you.
7.11 We cannot provide services to you if you provide incorrect, out-of-date or incomplete payment details. It is up to you to make sure that the details you submitted are correct.
7.12 We may receive commission and fees from certain third parties who advertise on or are linked to the websites or as a result of you having purchased products and/or services. All such commission and fees shall be retained in full by us.
7.13 These terms and conditions do not govern the prices or payment terms for third-party services or products. Please see their own terms and conditions for these details.
Those details to collect payment for the services on behalf of the assignee.
7.15 In accepting these Terms & Conditions you agree for the purchase and delivery of the services provided for in this agreement and any services delivered by a subsequent assignee to be paid via the secure PSP arrangement as detailed in this agreement.
8.1 As per your statutory right, you can contact us by email to request the cancellation of the services within 14 days of signing up on the site. If you choose to do so, you must send your email to email@example.com. To allow us to find your subscription and opt-out on your behalf, please provide us with the following information:
8.1.1 State that you wish to opt-out the service provided by budgetwizard.co.uk
8.1.2 Indicate your full name.
8.1.3 Give us the email address you are currently receiving emails to.
8.2 Your subscription will be cancelled by us once we receive these information.
8.3 Please contact us using the phone number at the top of the page if you would like to discuss your subscription with us before cancelling, or opt-out over the phone.
8.4 If you decide to opt-out your subscription for the service we provide, you will not be eligible for a refund.
8.5 If you want to opt-out your subscription, but you are no longer within the statutory time frame to do so, please contact our customer services to discuss cancellation and a member of our team will cancel the services on your behalf.
8.6 We may prevent further access to our services by terminating your subscription, providing we give you advance notice of this and do not cancel your account before the end of the current membership month (for which you will have already paid).
8.7 If your monthly subscription has been previously cancelled, either by you or by budgetwizard.co.uk and you re-subscribe to another or the same budgetwizard.co.uk service, you will pay the fee applicable to the services at the time of re-subscription
8.8 If your subscription has come to an end, we may contact you to invite you to re-register for the same or different budgetwizard.co.uk. Any such invitation will give you the option to unsubscribe from being contacted by us again.
9. Your Data
9.1 Agreeing to these terms gives us permission to give your payment information to a PSP third party for storage, keeping and transfer as per the agreement. We will make sure that any subsequent assignee that has access to your data has committed to the same degree of data protection that is legally required and offered by us to you, that the data is kept in Europe and regulated in compliance with the General Data Protection Regulation (GDPR) and any other applicable laws.
9.3 Calls we receive may be recorded so we can make sure our staff our trained adequately, and that we are providing quality customer services. Recordings may also be used for auditing purposes, where necessary.
10. Liability & Limitations
10.1 None of the terms set out in these Terms & Conditions exclude or limit our liability with respect to death or personal injury caused by our negligence, or fraud, any other matter which would be illegal for us to exclude or limit or to attempt to exclude or limit our liability, or our duties or liability under the FMSA.
10.2 Losses that are suffered, as a result of events outside of our reasonable control, will not be our responsibility.
10.3 Losses that are suffered by you will not be our responsibility, unless they are a direct result of our own actions or failures to act.
10.4 We are not responsible for any losses you suffer under any contract you have with any company through which you access our services and any website that is arranged or paid for.
10.5 We are not responsible to you by damage caused to any hardware or software used to access, use or download our services, unless this has been caused by our negligence.
10.6 Except as otherwise stated in these Terms & Conditions, our aggregate liability to you coming out of or in respect of each service shall not exceed
(1) £75 or
(2) if you pay a subscription fee for the relevant service, the then current annual fee for that service or monthly fee x 12 if that amount is greater than £75.
10.7 Our liability to you shall not include the following business losses that you may incur on the business data, lost profits, lost earnings, business interruption or reduction in the value of an asset.
10.8 You can contact your local Citizens Advice Bureau for information about your legal rights and how these terms may affect them. We would, however, strongly advise that you contact us, directly, if you have any concerns or issues with our website or services.
11. Complaint Policy
11.1 We hope that you will be thrilled with the services we provide but if you have any cause to complain, you can contact us via any of the methods included in our contact details at the top of the page.
11.2 Please do not submit the same complaint to us more than once.
11.3 All complaints will be addressed, processed and answered within 30 working days. If we need more information to complete the investigation of any complaint, we will contact you to make you aware of it. Please be aware that, if the information is not provided to us within 15 days from the request date, it will be our understanding that you decided to withdraw your complaint.
12. Use of the Website and Material
12.1 You are authorised to access and make personal non-commercial use of the website, our material and third-party content we make available on the website for lawful purposes only and in such a way that it does not infringe our intellectual property rights or those of third parties. Any access or use other than that which is personal non-commercial must expressly be authorised by us in writing and in advance.
12.2 You must ensure not to do anything that could potentially harm the website or the computer systems that host the website. You must not do anything that undermines or inhibits the use and enjoyment of the website by other users.
12.3 It is your responsibility to ensure that the data you submit to the websites is true and accurate and free from viruses and other harmful code.
12.4 We do not authorise you to do anything with our website outside of browsing its contents and using the services that we have made available to you.
12.5 The website contains content that is made available to us and by third parties. All information delivered to you in the course of the services, and all intellectual property rights in third-party content, belong to the relevant third party or their licencors.
12.6 You may download and/or print one copy of our website materials for your own records but must not use it commercially. You also must not reproduce or redistribute any material of ours for any other reason (or any materials from a third-party that is displaying on our website) unless you have obtained our written consent, in advance.
13. Guarantees & Disclaimers
13.1 We will endeavour to provide the websites and the services with reasonable care and skill and to ensure that the services are fundamentally as described on the website and in these Terms & Conditions.
13.2 We take measures to make sure that the websites and our materials are free from computer viruses and other harmful computer software. Nevertheless, we cannot guarantee this due to the nature of the Internet. We recommend that you use appropriate firewall and antivirus software to protect your devices and data.
13.3 While we always do our best to ensure that our website is properly functioning, issues of system repair or maintenance make it impossible for us to guarantee that our website and services will always be available (or will be available at any specific time).
13.4 Unfortunately, we cannot guarantee that any of the information obtained from third-party sources is accurate, correct, up to date or complete. We do, however, make every effort to ensure that any information we source and supply to you is done so with reasonably care and adequate skill.
13.5 Nothing provided by us on or in connection with the website or services is or shall be deemed to constitute financial, legal or other advice. The information we provide is not intended to be relied on by you in making any specific decision or to replace independent professional advice. Any and all information provided by us on or in connection with the website is for general information purposes only.
13.6 Apart from the commitments we expressly make in these Terms & Conditions and any additional commitments arising out of consumer rights granted by law, we do not make any other commitments or guarantees about the website or the services we provide.
14. Final Points
14.1 These Terms & Conditions are a contract between you and us and form the entire agreement between us. No one except you and us has any right to enforce these Terms and Conditions by virtue of the Contracts (Right of Third Parties) Act 1999.
14.2 You may not transfer any or all of the rights granted to you under these Terms & Conditions to any other person.
14.3 We may discontinue or change the website or services at any time and at our discretion. We will try to make sure that any such discontinuation or modification does not materially adversely affect the nature of the services we supply to you.
14.4 English law applies to these Terms and Conditions. If any disputes arise between you and us in relation to these Terms and Conditions and you want to take court proceedings, you must do so in the English Courts.
14.5 The most recent email address that you have provided to us will be used when sending you notices.
14.6 All communications with Budget Wizard must be in English.