Terms and conditions

Telephone: 0845 565 2610 

Email: welcome@track-my-money.co.uk 

Opening Hours: 

Monday-Thursday, 9am-6pm 

Friday, 9am-5pm 


Organisation Details

Track My Money is a company registered in the UK, Number 10339635. Our registered office address is Centaur House, Ancells Business Park, Ancells Road, Fleet, GU51 2UJ, United Kingdom.


Terms That Manage Our Contract With You

The present Terms & Conditions regulate your use of the website Track My Money and the services available on the same Track My Money website. These Terms & Conditions also apply where you access our services via any other website.

We advise you to print a copy of these Terms & Conditions and keep it for your future reference.

We will rely on these Terms & Conditions, which will be legally binding. Using our website and services implies that you agree to follow our terms set here. You should read these Terms & Conditions carefully and contact us if you need clarification on any point.


Changing The T&C’s

Changes to the website, service, law or our arrangements with third parties would mean us having to modify these Terms & Conditions and we have the right to do so.


Sign Up and Sign In

To use the website, sign up and log in using your unique details (i.e. email address and password). 

It shall be your responsibility to keep these details confidential and private. If you think your login details are compromised or if you become aware of any other breach of security on the websites, contact us as soon as possible. 

We will not be responsible to you if an unauthorised access to your account or unauthorised activity on the websites occurs because of your compromised login details unless directly caused by our negligence.


Offered Services

Our service is as described on our website and/or, where you access our services via any other website. Different terms and conditions will apply for services provided by third parties.

Take note that these Terms & Conditions apply to any services you requested and provided to you from the website.

When you request a service from us, a binding legal contract is formed between you and us on the earlier to occur of:

  • when we receive payment from you; and
  • when we make the service available to you.

For any mistakes when requesting a service, contact us immediately to correct it.


Rights to Assignment

This agreement may be assigned to a third-party service provider proving the same or very similar service referred to in this agreement. If it happens, you will be informed by email before it happens and will be at no additional cost, fee or exposure and the terms will be identical to the ones we offered you.

Any assignee will have the full rights afforded by this agreement.

If this agreement is assigned to a third party, the assignee will not need any action from you as we will take care of everything. But once the assignment has been completed, the assignee will communicate directly with you from that point onwards and will carry the same obligations.

It is to be made sure that all third-party service providers are compliant with their obligations to you and your data is kept according to all legal requirements and you’re not deprived of all procedures for complaints that you were originally entitled to.


Payment Terms

Prices will regularly be updated on the website and may change from time to time. Prices for services indicated are inclusive of taxes and VAT payable with respect to the services in pounds Sterling.

Prices will be regularly updated on the website and may change from time to time. You will be informed via email or through a notice on the website for any changes so check the website regularly for such notices. 

Subscription service payments must be made by credit or debit card using the payment facilities on the website. Giving us your payment details authorises us that we continuously take payments from your account until you or we end the services. Services may be stopped without notice if at any point we are unable to obtain payment from your account.

To make sure your payment card details are securely kept, you agree that we can use the services of a secure Payment Service Provider (PSP) that will hold your card details generally and on our behalf, or any subsequent assignee’s subject to this policy. All references to “us” or “we” in this policy refer to the PSP and us where applicable. The PSP undertakes to comply with all data protection and data disposal in accordance with all legal requirements. To facilitate the processing of payments and repayments you authorise us to securely pass your charge, credit and debit card details to a PSP and for them to be retained.

If your monthly subscription payment of £29.95 fails/is declined, we will continue to try to collect payment for your monthly subscription fee of £29.95 periodically until we succeed.

The credit or debit cards we accept as payment methods are displayed on the website.

No payment is deemed made until all funds are collected and services may not be provided until payment is received in full.

You will be responsible for making sure all payment information provided is accurate and complete. We are not responsible for supplying services if the details you submit are incorrect, out of date or incomplete.

Any overdraft or “over the limit” bank fees or charges incurred will not be our responsibility if your account does not have sufficient credit or funds at the time we take payment.

Charges and payment terms will be subjected to a third party’s terms and conditions if you purchase products or services from them.

We may receive commission and fees from advertising third parties and those linking to the websites or resulting from you purchasing their products or services. We shall retail them in full.

Should this agreement be assigned to a third party, you, therefore, authorise the PSP that stores your payment details to use those details in collecting payment for the said assignee.

In accepting these Terms & Conditions you agree for the purchase and delivery of the services provided for in this agreement and any services delivered by a subsequent assignee to be paid via the secure PSP arrangement as detailed in this agreement.


Cancelling Your Subscription

If you decide to cancel your subscription, you will not be eligible for a refund of the fees you have paid before cancelling.

It is your statutory right to contact us by email to request the cancellation of the services within 14 days of signing up on the site. You must send your email to welcome@track-my-money.co.uk. To allow us to find your subscription and cancel it on your behalf, please provide us with the following information: 

  • State that you wish to cancel the service provided by Track My Money
  • Indicate your full name.
  • Give us the email address you are currently receiving emails to.

Once information is received, we will cancel your subscription.

If you want to cancel your subscription, but you are no longer within the statutory time frame, contact our customer services to cancel and a member of our team will do it for you. 

If you wish to about your subscription before cancelling it or if you would prefer to do the cancellation over the phone, call us on our customer service number provided.

If your monthly subscription has been previously cancelled, either by you or by Track My Money, and you re-subscribe to another or the same Track My Money service, you will pay the fee applicable to the services at the time of re-subscribing.

We may cancel your subscription to the Track My Money services by giving you advance notice, but the termination will not take effect until the end of the month.

If your monthly subscription has been previously cancelled, either by you or by Track My Money and you re-subscribe to another or the same Track My Money service, you will pay the fee applicable to the services at the time of re-subscribe.


Your Data

We will keep your privacy seriously and follow relevant provisions of the UK data protection legislation. We will use any information given to us by you or collected by us during your use of our website and services exclusively in accordance with our applicable Privacy Policy.

Agreeing to these terms gives us permission to give your payment information to a PSP third party for storage, keeping and transfer as per the agreement. We will make sure that any subsequent assignee that has access to your data has committed to the same degree of data protection that is legally required and offered by us to you, that the data is kept in Europe and regulated in compliance with the General Data Protection Regulation (GDPR) and any other applicable laws.

Phone calls will be recorded for audit, training and quality purposes.


Obligation and Limitations 

Contact your local Citizens Advice Bureau for more information on your legal rights how these Terms & Conditions affect them. Nevertheless, we strongly advise you to contact us directly for any difficulties with this website and we will deal with your issues.

It is not our responsibility if any loss is suffered due to events beyond our control. 

It is not our responsibility if losses are suffered and are not directly caused by our actions or failure to act.

None of the terms set out in these Terms & Conditions exclude or limit our liability with respect to death or personal injury caused by our negligence, our fraud, any other matter which would be illegal for us to exclude or limit or attempt to exclude or limit our liability, or our duties or liability under the FMSA.

Any damage caused to hardware or software used in accessing, using or downloading our services unless caused by our negligence will not be our responsibility.

Except as otherwise stated in these Terms & Conditions, our aggregate liability to you coming out of or in respect of each service shall not exceed 

  • £75 or 
  • if you pay a subscription fee for the relevant service, the then current annual fee for that service or monthly fee x 12 if that amount is greater than £75.

We are not responsible for any losses you suffer under any contract you have with any online website through which you access our services and any website that is arranged or paid for.

Our liability does not include business losses incurred in form of business data, loss of profits, earnings, business interruption or reduction in asset value.



We endeavour to give you the best possible standard of service, but should you have reason to complain, our contact details are available at Track My Money.

You agree not to submit the same complaint to us more than once.

All complaints will be addressed, processed and answered within 30 working days. If we need more information to complete the investigation of any complaint, we will contact you to make you aware of it. If you do not provide it to us within 15 days from the date of request, it is to our understanding that you have decided to withdraw your complaint.


The Website and Materials 

You are authorised to access and make personal non-commercial use of the website, our material and third-party content we make available on the website for lawful purposes only and in a way that does not infringe our intellectual property rights or those of third parties. Any access or use other than that which is personal non-commercial must expressly be authorised by us in writing and in advance.

Do not do anything that can harm the website and out system or do anything that can undermine the use of other users of our websites.

You’re not authorised to do anything except browse the website’s contents and use the services made available to you.

Data submitted to the website should be accurate, true and virus/ harmful code free, and it should be your responsibility.

Do not reproduce or redistribute our content or material including our third party without our prior written consent except to download and print a single copy for personal non-commercial use. 

The website contains content that is made available to us and by third parties. Information delivered to you in the course of the services, and all intellectual property rights in the third-party content, belong to the relevant third party or their licencors.



We will make sure that the website and services we provide are fundamentally as described on the website and in these Terms & Conditions.

Measures will be taken to make sure the website and tools are virus free and harmless. We however, cannot guarantee it because of the internet’s nature. Use firewall and antivirus for safety.

We cannot guarantee that the website will be functioning all the time, especially at any specific time. They may be temporarily unavailable if our computer systems are under repair or maintenance or are otherwise inaccessible.

Sourcing and information supply will be handled by us with skill and care. However, information obtained from third party is something we cannot guarantee to be accurate, correct, up to date or complete.

Apart from the commitments we expressly make in these Terms & Conditions and any additional commitments arising out of consumer rights granted by law, we do not make any other commitments or guarantees about the website or the services we provide.

Nothing provided by us with the website or services shall be considered financial, legal or other advice. The information we provide is not intended to be relied on by you in making any specific decision or to replace independent professional advice. All information provided by us on or in connection with the website is for general information purposes only.


Further Information

Any or all rights granted under these Terms & Conditions are non-transferable. 

It is at our discretion to change or discontinue our website or services anytime. We will make sure that any event does not materially adversely affect the nature of the services we supply.

These Terms & Conditions are a contract and form the entire agreement between you and us. No one except you and us have any right to enforce these Terms and Conditions by virtue of the Contracts (Right of Third Parties) Act 1999.

All communication between you and us will be conducted in English.

Notices we send will be sent to your latest email address submitted to us. 

English law applies to these Terms and Conditions. If any disputes arise between you and us in relation to these Terms and Conditions and you want to take court proceedings, you must do so in the English Courts.