Add the full legal owner/operator name and service address in section 2 if Budget Wizard is operated by a registered company or named sole trader. These terms are a strong website draft, not a substitute for legal review tailored to your exact business model.
1. Agreement to these terms
These Terms of Use apply when you access or use Budget Wizard, including its calculators, money guides, articles, tools and other website features. By using the site, you agree to these terms and our Privacy Policy.
If you do not agree to these terms, please do not use the website.
2. About Budget Wizard
Budget Wizard is a UK-focused information and calculator website designed to make everyday money topics easier to understand.
Unless a page expressly states otherwise, Budget Wizard is not acting as your lender, credit broker, financial adviser, investment adviser, tax adviser, lawyer or accountant, and does not enter into regulated financial products with you.
3. Information, not personal advice
Content is provided for general educational and informational purposes. It is not tailored to your complete financial circumstances, objectives, tax position, risk tolerance or needs.
You are responsible for deciding whether information is suitable for your circumstances. For significant financial decisions, regulated products, debt problems, tax matters or legal questions, consider obtaining appropriate independent professional or specialist help.
4. Calculator results and assumptions
Our calculators are intended to help you explore scenarios and trade-offs. In particular:
- results depend on the information and assumptions entered;
- calculations may use simplified models, rounding or illustrative rates;
- actual lender, provider, tax or market outcomes may differ;
- fees, charges, eligibility rules, credit assessments, taxes or product conditions may not all be included; and
- laws, rates, thresholds and product terms can change.
A calculator result is not an offer, quotation, approval, guarantee of eligibility or recommendation to enter into a financial product.
5. Accuracy and keeping information current
We aim to make Budget Wizard useful and accurate, but we do not guarantee that every page is complete, error-free or updated immediately after a rule, rate, product or law changes. Publication dates and update dates should be treated as useful context.
If you spot an error, please contact support@budgetwizard.co.uk.
6. Advertising, sponsorship and commercial relationships
Budget Wizard may display advertising, sponsorship, affiliate links or other commercial content. Where required, paid or commercially influenced content will be identified so that it can be distinguished from independent editorial material.
Commercial relationships do not change the need for our content to be presented clearly. A paid placement does not mean that a product is suitable for you.
Where a third party is responsible for a financial promotion or regulated product communication, additional terms, risk warnings, eligibility criteria or regulatory disclosures may apply.
7. Third-party websites and services
Budget Wizard may link to websites, products or services operated by third parties. We do not control those services and are not responsible for their availability, content, security, privacy practices or contractual terms.
You should review the relevant provider's information and terms before entering into any transaction or providing personal information.
8. Acceptable use
You may use the site for lawful personal use and reasonable internal business reference. You must not:
- attempt to compromise the security, availability or performance of the site;
- introduce malware, malicious code or automated abuse;
- scrape, harvest or systematically extract substantial parts of the site except where permitted by law or agreed in writing;
- misrepresent Budget Wizard content, branding or calculator outputs as your own official advice or approval;
- use the site to infringe another person's rights or for unlawful, fraudulent or misleading activity; or
- circumvent technical measures intended to protect the site.
9. Intellectual property
Unless otherwise stated, the website design, branding, original text, calculator logic, graphics and other original materials are owned by Budget Wizard or used under licence. Intellectual property rights remain with their respective owners.
You may link to publicly available pages and make ordinary personal use of the site. Republishing, reselling or commercially exploiting substantial parts of Budget Wizard requires prior written permission unless the law allows otherwise.
10. Availability and website changes
We may update, remove, suspend or change website features without notice. We do not promise uninterrupted access and may restrict access temporarily for maintenance, security, technical or operational reasons.
11. Liability
Nothing in these terms excludes or limits liability where it would be unlawful to do so, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation.
Subject to those protections and to the fullest extent permitted by law, Budget Wizard is not responsible for losses caused by reliance on illustrative calculations or general information where the relevant loss was not reasonably foreseeable, or for indirect or consequential business losses arising from use of a free information website.
If you use Budget Wizard for business purposes, you are responsible for your own professional checks and decisions.
12. Privacy and cookies
Our Privacy Policy explains how personal information is handled, including newsletter sign-ups, website data and cookies.
13. Governing law and consumer rights
These terms are governed by the law of England and Wales. If you are a consumer, nothing in these terms removes mandatory rights you have under applicable consumer law, and you may have rights to bring proceedings in the courts applicable to where you live.
14. Changes to these terms
We may update these terms to reflect changes to the website, our business model or legal requirements. The current version will be posted here with a revised effective date.
Effective date: 10 August 2026.
15. Contact
Questions about these terms can be sent to support@budgetwizard.co.uk.
16. General
- Severability: if one provision is unenforceable, the remaining provisions continue to apply.
- No waiver: a delay in enforcing a right does not automatically waive that right.
- Assignment: we may transfer our rights and obligations as part of a lawful business transfer or reorganisation.
- Entire terms: these terms, together with policies expressly incorporated into them, govern your use of the website.