Legal Disclaimer

Important Information – Please Read Carefully

The information provided on this website and within the application is for general information and educational purposes only.

It is not intended to constitute financial advice, financial planning, investment advice, or any other regulated advice or recommendation.

No Financial Advice

We do not provide:

  • Personalised financial advice

  • Investment advice

  • Tax advice

  • Legal advice

  • Recommendations about specific financial products or providers

Nothing on this website or within the app should be interpreted as a recommendation to buy, sell, hold, or switch any financial product or service.

All information is provided to help users track, understand, and reflect on their financial information, not to instruct them on what actions to take.

Information Only, Not Personalised Advice

Any insights, metrics, projections, challenges, or summaries generated by the app are:

  • Based solely on information entered by the user

  • Generic and illustrative in nature

  • Not tailored to individual financial circumstances, objectives, or risk tolerance

We do not take into account:

  • Your personal financial needs

  • Your investment objectives

  • Your attitude to risk

  • Your tax position

You should make your own decisions or seek advice from a qualified, FCA-authorised financial adviser before acting on any financial information.

No FCA Authorisation

We are not authorised or regulated by the Financial Conduct Authority (FCA).

The services provided fall outside the scope of FCA regulation because they are limited to:

  • Financial tracking

  • Aggregation of user-provided data

  • Educational and informational insights

  • Behavioural and habit-based prompts

This means users do not benefit from the protections available under the UK regulatory system, including access to the Financial Ombudsman Service or the Financial Services Compensation Scheme (FSCS), in relation to the use of this app.

Accuracy of Information

While we aim to ensure that information presented is accurate and up to date:

  • We do not guarantee its completeness or accuracy

  • Calculations and projections are estimates only

  • Past performance and historical trends are not indicators of future results

Users are responsible for verifying the accuracy of the data they enter and for any decisions made based on the information provided.

No Liability

To the maximum extent permitted by law, we accept no liability for:

  • Any loss or damage arising from the use of this website or app

  • Decisions made based on information or insights provided

  • Financial outcomes resulting from user actions

Use of the app is at your own discretion and risk.

Third-Party Content and Links

From time to time, the website or app may reference third-party content or educational material.

Such content is provided for general information only and does not constitute endorsement or recommendation. We are not responsible for the accuracy or content of third-party websites or services.

User Responsibility

By using this website and application, you acknowledge that:

  • You are responsible for your own financial decisions

  • You understand that no financial advice is being provided

  • You agree to use the information for educational and tracking purposes only

Changes to This Disclaimer

We may update this disclaimer from time to time. Any changes will be published on this page and apply from the date of publication.