Terms

Last updated 29 October 2026 (accounts and Contact the team).

What Budget HQ is

Budget HQ is a free tool that sorts the lines of your bank statement into categories and helps you plan a monthly budget. It works out figures from what you give it; it isn't financial advice, and it doesn't replace your bank's own records. Check anything important against your statement.

Your figures

Your statements and budget stay on your device (see Privacy), so keeping them is in your hands: download a backup now and then. We can't recover figures that were deleted from your browser or device.

What we take responsibility for

We work to keep Budget HQ accurate, safe and available, and we fix mistakes we're told about. Sorting is a best guess from the wording on your statement, so a line can land in the wrong category until you correct it. Because the service is free and runs on your own device, we aren't responsible for losses that come from relying on its figures without checking them - except where caused by our gross negligence or wilful misconduct, and always subject to your rights under the Consumer Protection Act.

Your account

An account is free and is only for Budget HQ. Use your own email address and keep your password to yourself; you're responsible for what's done with your account. You can delete it at any time under My account. We may suspend an account that breaks these terms. The Budget HQ team's own account is confirmed through Google; nobody else can act as the team.

The Feedback page

• Anyone can read the board; posting and commenting need an account. Everything posted there is public with your account name. Don't post personal details - yours or anyone else's - such as account, ID or phone numbers or email addresses.
• Be respectful: no abuse, hate speech, spam, advertising, or content you don't have the right to share.
• We may close, hide or remove posts and comments that break these rules, or that ask us to remove them. When we close an item we say what we did; if you posted it and aren't happy, you can reopen it and tell us why.
• Ideas you post may be used to build Budget HQ, without payment or credit. By posting you allow us to show and use what you wrote for that.
• To ask for something to be taken down, use Contact the team (sign in first) saying which item and why, and we'll act on it promptly.

Changes

We may update these terms as Budget HQ grows; the date above shows the latest version. South African law applies.