Money Cove service terms

A money organiser, at your pace

Money Cove lets you record your income and spending, plan budgets, track bills and savings, and import GBP CSV statements. Version 1 is manual only. Figures depend on what you enter. Check your bank and payment providers for actual balances and due payments. We do not move money or provide personalised financial, investment, tax or debt advice. General tips are information only.

Plans and trial

Free includes manual budgeting, up to 10 budget categories, one savings goal, the dashboard and weekly summaries. Plus costs £3.99 a month or £29.99 a year. Pro costs £7.99 a month or £59.99 a year. Advertised totals include VAT where applicable. New accounts receive 14 days of Plus from sign-up, without a payment card. The trial does not charge automatically. It ends on Free unless you choose a paid plan.

Renewal, changes and cancellation

Paid plans renew monthly or yearly until cancelled. Checkout will show the total and billing interval before you confirm. Use Billing to upgrade, downgrade or cancel. Upgrades show any immediate charge; downgrades and cancellation take effect at the paid period’s end. Existing data is retained on Free even when you exceed its creation limits. Your own data export and account deletion remain available on all plans. Web checkout uses Stripe. Any test checkout is explicitly labelled before you pay. Native test purchases, when configured, are managed through RevenueCat. Apple or Google purchases must be upgraded, downgraded or cancelled in the original app store. Deleting your Money Cove account does not cancel app-store billing.

Your statutory consumer rights are unaffected. The final live checkout must explain applicable cancellation rights, any request for immediate service and the refund process before a real purchase. Contact support about mistakes, complaints or refunds; no blanket waiver of legal rights applies.

Using your account safely

Use an account you are entitled to use. Keep your password and recovery codes private, and do not upload other people’s statements without authority. You own your records and grant us permission only to process them to provide the service. Shared budgets reveal only the records entered there. Your partner keeps ownership of their own shared entries.

Availability and responsibility

We aim to keep Money Cove available and to correct errors, but do not promise uninterrupted access. Keep an export if you need an independent copy. We do not exclude liability where the law prohibits it, including fraud or death or personal injury caused by negligence. Nothing in these terms removes your statutory rights.

Help and changes

Contact support first with any complaint. We will explain material changes to plans or terms before they apply and provide a way to cancel. The final terms will confirm the applicable UK jurisdiction while preserving mandatory consumer protections. Privacy information explains how we use and delete personal data.