Terms of Use & Disclaimer

Not financial advice

BudgetHive is a self-service budgeting tool. It does not provide financial, investment, tax or debt advice, and nothing in the app should be treated as a personal recommendation. BudgetHive is not authorised or regulated by the Financial Conduct Authority (FCA) and does not carry out any regulated activity under the Financial Services and Markets Act 2000.

Getting help with money

For free, impartial guidance in the UK, contact MoneyHelper (moneyhelper.org.uk), Citizens Advice, or StepChange if you are struggling with debt.

Currency and figures

All amounts in BudgetHive are shown in pounds sterling (GBP). Any figures shown on the marketing pages are clearly labelled example data and do not represent real users or real results.

Your account

You must be at least 18 years old to create an account and you are responsible for keeping your login details secure. You keep ownership of the data you enter, and you may delete it at any time.

Who you are contracting with

BudgetHive is operated by Zahra Javed ("we", "us"). By creating an account or continuing to use the service you agree to these terms. You must not misuse the service — this includes unlawful use, fraud or spam, infringing anyone's intellectual property, and interfering with the security of the service (malware, probing, scraping or circumventing technical limits).

We own the app, its software, content and branding. You keep ownership of the data you enter, and you grant us only the limited permission needed to host and process it so we can provide the service.

How to use these tabs

The app is organised into tabs. Use this list as a quick reference for when to use each one.

• Dashboard — your overview. Come here after adding transactions and budgets to see your balance, spending by category, recent activity and monthly financial-health snapshot.
• Budgets — set monthly limits for each spending category. Set these first, before you add transactions, so the app can warn you when you are close to a limit.
• Transactions — log money in and money out. Add a salary, a bill or a purchase, pick a category, and the app will show you how much of that budget is left for the month.
• Automated planner (Plus only) — type in your monthly take-home pay and the 50/30/20 rule splits it into Needs, Wants and Savings. You can change the percentages or pound amounts, then send the result straight to your Budgets tab.
• Forecast (Plus only) — see how your current spending and saving habits could look over the next 12 months. Use this when you want to test whether you are on track to hit a savings target.
• Buckets — savings and investment pots. Create a bucket for an emergency fund, holiday, deposit or investment contribution, set a target, and add what you put in each month.
• Categories (Plus only) — add your own income and spending categories on top of the built-in ones. Use this when the default list does not match the way you budget.
• Bank (Plus only — coming soon) — a waiting list for UK Open Banking connections. When this goes live, Plus members will be able to link a UK bank account to import transactions automatically.
• Money Coach (Plus only) — the floating chat icon on Plus accounts. Ask budgeting or general money questions. It cannot see your live balances unless you share your forecast page with it.

BudgetHive Plus and payments

BudgetHive Plus is an optional subscription costing £4.50 per month, including VAT where applicable. It renews monthly until cancelled, and you can cancel at any time — your access continues until the end of the period you have paid for.

Our order process is handled by Stripe, our payment provider, which acts as merchant of record for eligible transactions. Stripe processes your payment, issues receipts and invoices, and handles tax calculation, collection and remittance where it applies. Payment, billing, tax, cancellation and refund mechanics are covered by Stripe's consumer terms. Payments may appear on your bank statement as LINK.COM* BudgetHive.

Refund policy

We offer a 30-day money-back guarantee. If you are not happy with BudgetHive Plus, you can request a full refund within 30 days of your order date by contacting us, or by replying to the payment receipt sent by our payment provider. Refunds are returned to your original payment method. This is in addition to your statutory rights, including your 14-day right to cancel a distance contract under the Consumer Contracts Regulations 2013.

Suspension and termination

We may suspend or end your access if you materially breach these terms, do not pay for a subscription, or create a security or fraud risk. You can close your account at any time; when you do, your budget data is deleted.

Consumer rights and liability

Nothing in these terms limits your statutory rights under the Consumer Rights Act 2015, and we do not exclude liability for fraud, death or personal injury caused by our negligence. Otherwise the service is provided "as is": we do not guarantee it will be uninterrupted or error-free, we disclaim implied warranties to the fullest extent permitted by law, we are not liable for indirect or consequential loss, and our total liability is limited to the fees you paid us in the previous 12 months.

Your data

See our Privacy Policy for how we handle personal data under UK GDPR.