Terms of Service

Last updated 2026-08-22 · what has changed. These terms are a binding agreement between you and HK Apps Limited. You accept them by creating a Quidworth account - either by ticking the box on the sign-up form, or by pressing “Continue with Google”, which we tell you at the time constitutes acceptance - and they apply from that moment until your account is deleted.

1. Who we are

Quidworth (“the service”, “we”, “us”) is operated by HK Apps Limited, a company registered in England and Wales (company number 15830591). You can contact us at legal@quidworth.com.

2. The service

Quidworth is a household financial planning tool for the UK. You enter details of your household's finances and the service produces projections and lets you explore scenarios that you define. The service is currently provided free of charge, on an “as-is” and “as-available” basis, with no guarantee of uptime, availability, or continued operation. We may change, suspend, or withdraw features at any time.

Quidworth is free to use today, and we have no plans to charge for what is free now. If we ever introduce paid features, we will say clearly which they are before you take one, and we will not begin charging you for something you already use without telling you in advance and giving you the chance to decline. You will never be charged without entering payment details yourself.

3. Eligibility

You must be at least 18 years old to use the service. The service is designed for people planning household finances under UK tax rules; it is not directed at users in other jurisdictions.

4. Not financial advice

Quidworth does not provide financial, investment, tax, pension, or mortgage advice, and does not make personal recommendations. It carries out no activity regulated under the Financial Services and Markets Act 2000, and it is not authorised or regulated by the Financial Conduct Authority. Every projection is an educational estimate calculated from information and assumptions you supply. Nothing on this site should be treated as, or relied upon as, a recommendation or as a prediction or guarantee of any outcome. Before making significant financial decisions, consider taking advice from an FCA-authorised adviser. See Understanding your projections for a full explanation of how the figures are produced.

5. Your data, accuracy, and assumptions

Projections are computed from the data you enter and the assumptions you choose (such as growth and inflation rates). You are responsible for the accuracy of your inputs. Tax calculations use a single published UK tax year's rates and thresholds for your selected region, held constant across the projection, and simplify some details of the tax system. We do not verify your data, and we make no warranty that any projection, calculation, or figure is accurate, complete, or suitable for any particular purpose.

6. Accounts and security

When you create an account we record which version of these terms you accepted, and when. The current version, and every change we have made, are on our change log.

Keep your password confidential; you are responsible for activity under your account. If you forget your password, use “Forgot password?” on the sign-in page. If you believe your account has been accessed without your permission, change your password immediately and contact us.

7. Acceptable use

Do not use the service to store data you have no right to store; attempt to access another household's data; probe, disrupt, overload, or reverse engineer the service; or use it for any unlawful purpose.

Our calculators, written guides and the design of the service took real work, and they are what makes Quidworth worth using. So also do not: extract them in bulk, by scraping or any automated means; copy or republish them, in whole or in substantial part; resell access to the service or present it as your own; or use any part of the service or its content to train, fine-tune or ground a machine-learning or AI system. Normal personal use, quoting us with a link, and ordinary search-engine indexing are all fine and always will be.

8. Intellectual property

The service, including its software, design, and content (but not the data you enter), belongs to us or our licensors. The data you enter remains yours; you grant us only the rights needed to store and process it to provide the service, as described in the Privacy Policy.

9. Suspension and termination

We may suspend or close an account that breaches these terms or where necessary to protect the service or other users. You may stop using the service at any time and may delete your account and its data yourself from Settings.

10. Liability

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 any other liability that cannot be excluded or limited under the law of England and Wales. Subject to that: the service is provided free of charge, for general information and education only, and you agree not to rely on it or its projections as advice, as a prediction, or as a guarantee. You are responsible for the decisions you make. To the maximum extent permitted by law, we exclude all warranties, conditions and representations, and we accept no liability for any loss or damage of any kind - including financial loss, loss of profit, or loss of data - arising from your use of, or reliance on, the service or its projections; from decisions you make; from inaccuracies in data or assumptions you supply; from simplifications in our calculations; or from interruption, unavailability, or withdrawal of the service.

If, despite the above, we are found liable to you for any reason, our total liability for all claims connected with these terms or your use of the service - whether in contract, in tort including negligence, for breach of statutory duty, or otherwise - is limited in aggregate to the greater of £100 and the total amount you have paid us in the twelve months before the claim arose. Quidworth is currently free, so for most people that figure is £100.

None of this affects your rights as a consumer that cannot be excluded or limited by law, and nothing here is intended to leave you without a remedy the law says you must have.

11. Changes to these terms

We may amend these terms from time to time, and only for one or more of the following reasons: to reflect a change to the service, including features we add, change, or withdraw; to reflect a change in law, regulation, or regulatory guidance; to correct an error or make the wording clearer without altering its meaning; or to address a security, abuse, or other operational risk. We will not amend these terms for any reason outside this list.

Every amendment is published on this page and the “last updated” date is changed, so the text you see is always the text in force. Every amendment is also recorded in our change log, dated, with a plain-English description of what changed. We do not make silent edits.

Material amendments. An amendment is material if it would meaningfully reduce your rights or increase your obligations - for example a change to our liability, to the law governing this agreement, to acceptable use, to intellectual property, or the introduction of a charge for something that was previously free. We will give you at least 30 days' notice before a material amendment takes effect, both by a notice in the app and by email to the address on your account. We may give shorter notice only where the change is required by law or regulation, is needed urgently to address a security risk or abuse, or is wholly in your favour.

Other amendments. Clarifications, corrections, and descriptions of features that do not reduce your rights or increase your obligations take effect when they are published. We will not ask you to accept them again, and we will not interrupt your use of the service to tell you about them; the change log is your record.

Your choice. Continuing to use Quidworth on or after the date an amendment takes effect means you accept the amended terms. If you do not accept them, you may stop using the service and delete your account at any time, free of charge and without penalty; what happens to your data is set out in our Privacy Policy. No amendment applies retrospectively: amendments do not change the terms that governed your use of the service before they took effect, and they do not affect any right or liability that had already arisen.

12. Feedback and suggestions

If you send us feedback, a bug report, or an idea - through the feedback form in the app, by email, or any other way - we may use it to improve Quidworth freely, without payment, credit, or any obligation of confidence, and without it becoming yours to control once built. You keep every right to your own idea and may use it however you like; this simply means we are not prevented from building something similar. Please do not send us anything confidential, or anything you are not free to share.

13. Other people's services and links

Quidworth runs on services provided by others - our hosting and email providers, for example - and is built partly on open-source software supplied under its own licences. We are not liable for faults, outages, or changes in those third-party components beyond our reasonable control, though we remain responsible for the service we choose to build on them.

Where we link to another website we do so for convenience. We do not control those sites, we are not responsible for their content, accuracy, or how they handle your data, and a link is not an endorsement. Their own terms and privacy policies apply when you are there.

14. How we contact you

Where these terms say we will tell you something, we will do it by a notice in the app, by email to the address on your account, or both. Please keep that address current and able to receive our email: a notice sent to the address on your account is treated as received by you. To give us notice, email legal@quidworth.com.

15. Events outside our control

We are not responsible for any failure or delay in providing the service where the cause is outside our reasonable control - for instance the failure of a hosting, network, or email provider, a power or internet outage, a cyber-attack, or an act of government. If that happens we will restore the service as soon as we reasonably can. This does not affect your statutory rights, and it is not a licence for us to simply stop: it covers genuine events we could not have prevented.

16. General

Severability. If any part of these terms is found to be unenforceable, the rest continues in full effect.
Entire agreement. These terms, together with the Privacy Policy and Cookie Policy, are the entire agreement between you and us for the service.
No waiver. If we don't enforce a right under these terms straight away, we can still enforce it later.
Assignment. We may transfer our rights and obligations under these terms to another organisation (for example on a business sale); your rights under them are personal to you and are not transferable.
Survival. Sections that by their nature should outlast your account - in particular 4 (Not financial advice), 5 (Your data, accuracy, and assumptions), 8 (Intellectual property), 10 (Liability) and 17 (Governing law) - continue to apply after your account is closed, in respect of your use of the service before then.
Third parties. These terms do not give any rights to anyone other than you and us (Contracts (Rights of Third Parties) Act 1999).

17. Governing law

These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction over any dispute - although if you live in Scotland or Northern Ireland you may also bring proceedings in your local courts.

18. Complaints and contact

If something has gone wrong, contact us first and we will do our best to put it right. Questions or complaints about these terms: legal@quidworth.com.