Terms of Use

    Last updated: 28 March 2026

    1. About the Service

    The Life Buddy is a personal finance management tool that helps you track income, bills, budgets, credit accounts, and savings goals. The service is provided on a subscription basis — £3 per month for a Personal account or £5 per month for a Household account.

    2. Your Account

    You are responsible for maintaining the confidentiality of your account credentials. All financial data you enter is self-reported — we do not connect to any bank accounts or financial institutions.

    3. Subscription & Payment

    • The Personal plan costs £3 per month and the Household plan costs £5 per month, billed monthly via Stripe.
    • Every new account gets 14 days of full access free, with no card details required. Billing only starts if you choose a plan, and promotional first-month discounts may also apply at checkout.
    • You can cancel your subscription at any time from your account settings. Cancellation takes effect at the end of your current billing period.
    • Upon cancellation, you will retain access until the end of the period you've already paid for.

    4. Refund Policy

    Due to the nature of digital subscriptions, we are unable to offer refunds for payments already processed. We completely understand that circumstances change, and we want to make things as fair as possible — that's why you can cancel at any time with no fees or penalties, and you'll continue to enjoy full access for the remainder of your billing period.

    If you experience any issues with the service, please do get in touch at hello@thelifebuddy.co.uk — we're always happy to help.

    5. Acceptable Use

    You agree to use The Life Buddy for its intended purpose of personal finance management. You must not attempt to access other users' data, reverse-engineer the service, or use it for any unlawful purpose.

    6. Data, Privacy & Cookies

    Your use of the service is also governed by our Privacy Policy and Cookie Policy. We take data protection seriously and comply with UK GDPR and the Data Protection Act 2018.

    7. Disclaimer

    The Life Buddy is a budgeting and tracking tool — it does not provide financial advice. The figures and projections shown are based entirely on the data you enter. We are not liable for any financial decisions made based on information displayed in the app.

    8. Limitation of Liability

    To the fullest extent permitted by law, The Life Buddy shall not be liable for any indirect, incidental, or consequential damages arising from your use of the service. Our total liability shall not exceed the amount you have paid us in the 12 months preceding any claim.

    9. Changes to These Terms

    We may update these terms from time to time. Continued use of the service after changes constitutes acceptance of the updated terms. We will notify you of material changes via email.

    10. Governing Law

    These terms are governed by the laws of England and Wales.

    Contact

    Questions? Reach us at hello@thelifebuddy.co.uk.