Last updated: 28 July 2026
Know Your Dosh gives you a clear picture of your family’s money. It is an information service, not financial advice. Pay for a plan and it renews until you cancel. You can cancel any time, and you have a 14-day cooling-off period when you first subscribe. Be honest with your account details, keep your login safe, and don’t misuse the service. The full terms below are what legally applies.
Know Your Dosh is the trading style of Know Your Dosh Ltd (“Know Your Dosh”, “we”, “us”, “our”), a company registered in England and Wales under company number 13446892, with its registered office in Slough, England, SL3 7GY. We are registered with the Information Commissioner’s Office under registration number ZB323476.
Know Your Dosh Ltd is registered with the Financial Conduct Authority (registration number 1022227) as the PSD agent of Moneyhub Financial Technology Ltd (FCA registration number 809360), which enables us to provide account information services.
You can contact us at [email protected].
These terms are a legally binding agreement between you and Know Your Dosh Ltd covering your use of the knowyourdosh.com website, our mobile applications, and every service we provide through them (together, the “Service”). By creating an account or using the Service, you agree to these terms. If you do not agree, please do not use the Service.
We may update these terms from time to time. If a change materially affects your rights, we will give you at least 30 days’ notice by email or in-app message before it takes effect. If you do not accept a material change, you may cancel your subscription before the change takes effect and we will refund any amount you have paid for the unused part of your subscription period. Continuing to use the Service after a change takes effect means you accept the updated terms.
The Service helps you see, organise, and understand your family’s finances in one place: bank accounts, spending, budgets, assets, property, pensions, investments, liabilities, and renewals.
The Service does not provide financial advice. Nothing in the Service (including balances, valuations, estimates, insights, projections, comparisons, calculators, articles, or any other content) constitutes financial, investment, tax, pension, legal, or other regulated advice, and none of it is a personal recommendation to buy, sell, hold, or take any other action in relation to any financial product. If you need advice, speak to an appropriately authorised and regulated adviser.
Figures shown in the Service depend on data supplied by you and by third parties (including banks, open banking providers, and property valuation sources). Valuations and projections are estimates only. We do not guarantee that any information in the Service is accurate, complete, or up to date, and you should verify any figure independently before making a financial decision based on it.
Bank account connections are provided through Moneyhub Financial Technology Ltd under open banking. We never see or store your bank login credentials; connections are authorised by you directly with your bank.
You must be at least 16 years old to create an account. If you are under 18, you confirm that a parent or guardian has consented to your use of the Service. You are responsible for making sure your use of the Service is lawful in the country you access it from.
You agree that the registration information you give us is true, accurate, and complete, and that you will keep it up to date. You are responsible for keeping your login credentials confidential and for all activity on your account. Tell us immediately at [email protected] if you believe your account has been accessed without your permission.
If you add information about family members to the Service, you confirm that you have their permission (or, for children, the authority of a parent or guardian) to do so.
Some parts of the Service require a paid subscription. We accept payment by card (processed by Stripe), Apple In-App Purchase, and Google Play billing. Prices are shown before you subscribe and include VAT where applicable.
Subscriptions renew automatically at the end of each billing period (monthly or yearly) until you cancel. You authorise us (or Apple or Google, where you subscribed through them) to charge your chosen payment method on each renewal.
We may change subscription prices. If we do, we will give you at least 30 days’ notice by email or in-app message, and the new price will apply only from your next renewal after the notice period. If you do not accept the new price, you can cancel before it takes effect.
If a payment fails, we may retry it and contact you to update your payment details. If payment remains outstanding, we may downgrade or suspend paid features until payment is made.
Your 14-day cooling-off right. If you are a consumer, you have the legal right to cancel a new subscription within 14 days of purchase and receive a refund. Because the Service is available to you immediately, we will deduct a proportionate amount for the period you had access before cancelling. To exercise this right, email [email protected], or use the refund process of Apple or Google if you subscribed through their stores.
After the cooling-off period, you can cancel at any time in your account settings (or through Apple or Google, if you subscribed there). Cancellation takes effect at the end of your current paid period, and you keep access until then. Except where these terms or the law say otherwise, amounts already paid for the current period are not refunded.
For subscriptions purchased through the Apple App Store or Google Play, refunds are handled by Apple or Google under their own policies.
Nothing in this section affects your statutory rights, including your rights under the Consumer Rights Act 2015 if the Service is faulty or not as described.
You may use the Service only for its intended purpose: managing your own and your family’s finances. You must not:
The Service (including its software, design, text, graphics, logos, and trade marks) is owned by or licensed to Know Your Dosh Ltd and is protected by intellectual property laws. We grant you a personal, non-exclusive, non-transferable, revocable licence to use the Service for your own non-commercial purposes while these terms apply. All rights not expressly granted are reserved.
You own the data you put into the Service. You grant us a licence to host and process it solely to provide and improve the Service, as described in our Privacy Policy.
If you send us feedback, suggestions, or ideas about the Service, we may use them without restriction or payment, though this does not give us any rights in your personal data.
The Service connects to and links to services operated by third parties, including banks, Moneyhub, property valuation providers, Apple, Google, and Stripe. Those services are governed by their own terms and privacy policies, which we encourage you to read. We are not responsible for third-party services, and linking to them does not mean we endorse them.
We work hard to keep the Service available, but we do not guarantee it will be uninterrupted or error-free. We may need to suspend it for maintenance, security, or technical reasons, and we will restore it as quickly as we reasonably can. We may improve or change features of the Service over time. If we permanently withdraw a paid feature that is material to your subscription, or discontinue the Service, we will give you reasonable notice and refund any amount you have paid for the unused part of your subscription period.
You can close your account at any time in your account settings. We may suspend or terminate your account if you materially or repeatedly breach these terms, if we are required to by law, or if we reasonably believe your use of the Service creates risk or possible legal exposure for us or other users. Unless it would be unlawful or would compromise security or an investigation for us to do so, we will tell you why and give you a chance to put things right where the breach can be remedied.
When your account is closed, your personal data is handled as described in our Privacy Policy: deleted within 30 days, except where the law requires us to keep specific records for longer.
What we do not exclude. Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be excluded or limited under the law of England and Wales. Nothing in these terms affects your statutory rights as a consumer.
If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breach or our failure to use reasonable care and skill. We are not responsible for loss that is not foreseeable, or that is caused by events outside our reasonable control.
We are not responsible for:
Except for the liability we do not exclude above, our total liability to you arising out of or in connection with the Service is limited to the amount you paid us for the Service in the 12 months before the event giving rise to the claim (or £100 if you have paid nothing).
The protections in this section 13 also apply for the benefit of our directors, officers, employees, and agents, each of whom may enforce this section under the Contracts (Rights of Third Parties) Act 1999. No other person has rights under these terms by virtue of that Act.
If your unlawful use of the Service, or your material breach of these terms, causes a third party to bring a claim against us, you agree to compensate us for losses, damages, and reasonable costs we suffer as a direct result. This does not apply to the extent a claim results from our own breach or negligence.
If any part of these terms is found to be unenforceable, the rest continues in force. If we delay enforcing any right under these terms, we can still enforce it later. We may transfer our rights and obligations under these terms to another organisation; we will tell you if this happens, and it will not reduce your rights. You may not transfer your rights or obligations without our written consent. These terms, together with our Privacy Policy and Cookie Policy, are the entire agreement between you and us about the Service.
These terms are governed by the law of England and Wales. If you are a consumer living elsewhere, you also benefit from any mandatory consumer protections of the country you live in.
If you have a problem, please contact us first at [email protected]. Most issues can be resolved quickly and informally. Any dispute that cannot be resolved may be brought in the courts of England and Wales. If you live in Scotland, Northern Ireland, or the EU, you may instead bring proceedings in your local courts.
Know Your Dosh Ltd, Slough, England, SL3 7GY · [email protected]
Skip to content
