Terms of Use

1. About This Website

SmartBudgetUK.co.uk provides free personal finance tools including budget calculators, savings goal planners, 50/30/20 rule calculators, bill trackers, and money-saving tips specifically tailored to the United Kingdom.

The service is provided free of charge and is supported by advertising revenue from Google AdSense.

2. Not Financial Advice

For professional financial advice, consult a qualified Independent Financial Adviser (IFA). You can find regulated advisers at unbiased.co.uk or via the FCA register.

3. Acceptable Use

By using SmartBudgetUK.co.uk you agree to:

• Use the site for personal, non-commercial purposes only
• Not attempt to disrupt, damage or interfere with the website or its servers
• Not use automated tools, bots or scrapers to access site content
• Not attempt to copy, reproduce or redistribute our tools without permission
• Use the calculators and tools in good faith for personal financial planning

4. Accuracy of Calculations

We take care to ensure our calculators produce accurate results, but we cannot guarantee that all outputs are error-free or appropriate for every individual's financial circumstances. Results produced by our tools are estimates only and depend entirely on the figures you input.

Tax rates, benefit thresholds and financial rules change regularly. Always verify important figures against current official sources such as gov.uk or consult a qualified professional.

5. Intellectual Property

All content on SmartBudgetUK.co.uk — including calculator logic, design, copy, graphics, and code — is the intellectual property of SmartBudgetUK.co.uk and is protected by UK copyright law.

You may not reproduce, republish, distribute or commercially exploit any part of this website without express written permission. Personal, non-commercial use (e.g. sharing a link) is permitted.

6. Advertising

This website displays advertisements served by Google AdSense to fund the free service. We are not responsible for the content of third-party advertisements and do not endorse advertised products or services unless explicitly stated. If you encounter an inappropriate ad, please contact us.

7. Third-Party Links

Our site may link to third-party websites including government sites, financial comparison services and money-saving resources. These links are provided for convenience and information. We have no control over and accept no responsibility for the content or practices of third-party sites.

8. Limitation of Liability

To the maximum extent permitted by law, SmartBudgetUK.co.uk shall not be liable for any direct, indirect, incidental or consequential losses arising from your use of this website or the information and tools it contains. You use the site entirely at your own risk.

9. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of England and Wales. Any disputes relating to these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

10. Changes to These Terms

We reserve the right to update these Terms of Use at any time. Changes will be posted on this page with an updated effective date. Continued use of the website after changes constitutes acceptance of the revised terms.

11. Contact

Questions about these terms? Contact us here or email contact@smartbudgetuk.co.uk.