Last Updated: July 2026
Important: Wealth365 is a UK-based service intended exclusively for residents of the United Kingdom. We do not offer our services to individuals outside the UK. These Terms and Conditions are governed by the laws of England and Wales. All tax rates, pension rules, and financial calculations are based on UK legislation and are not applicable to other jurisdictions.
Welcome to Wealth365 ("the Service"), operated by Wealth365 Ltd, a company registered in Northern Ireland (company number NI740485) with its registered office at 19 Milltown Street, Warrenpoint, Co. Down BT34 3PS. By accessing or using this website, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use the Service.
These Terms constitute a legally binding agreement between you ("User", "you") and Wealth365 Ltd ("we", "us", "our").
Geographic Restriction: This Service is directed at UK residents only. By using this Service, you confirm that you are a resident of the United Kingdom. We make no representation that the content or services comply with the laws of any jurisdiction outside the UK.
All projections, calculations, and information provided by this Service are for illustrative and educational purposes only.
You acknowledge and agree that:
This Service is provided for informational and educational purposes only. We are not authorised or regulated by the Financial Conduct Authority (FCA) to provide financial advice.
Nothing on this website should be construed as:
Because Wealth365 is not FCA-authorised, this Service is not covered by the Financial Ombudsman Service (FOS) and your use of this Service is not protected by the Financial Services Compensation Scheme (FSCS). You cannot refer a complaint about Wealth365 to the FOS, and no FSCS cover applies to any fees paid to us or to any loss arising from your use of this Service. If you have a complaint, please follow the procedure set out in Section 19 below.
The tax rates, allowances, and pension rules displayed in this Service are based on our understanding of UK legislation for the 2026/27 tax year. However:
Our Privacy Policy is the single authoritative document explaining how we collect, use, store, and protect your personal data under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. Please read it carefully before using the Service.
The Privacy Policy covers: who we are as data controller, the categories of data we collect, the legal bases for processing, how and with whom we share data, international transfers, retention periods, and how to exercise your rights (including the right of access, rectification, erasure, and to lodge a complaint with the Information Commissioner's Office).
To exercise your data protection rights or make a data-related enquiry, contact us at dpo@wealth365.co.uk.
Our Cookie Policy is the single authoritative document explaining which cookies and similar technologies we use, why we use them, and how you can control them in accordance with the Privacy and Electronic Communications Regulations 2003 (PECR) and UK GDPR.
In summary: we use strictly necessary cookies (session management, CSRF protection, and your cookie-preference record), functional cookies (display preferences, last-plan convenience), and — with your consent — analytics cookies from Google Analytics 4. We also use Plausible Analytics on public pages; Plausible is cookieless and requires no consent. We do not use advertising or cross-site tracking cookies. Full details — including every named cookie, its purpose, duration, and the consent basis — are in the Cookie Policy.
You can update your cookie preferences at any time by clicking "Cookie Settings" in the website footer, or by adjusting your browser settings.
To access certain features of the Service, you must create an account. You agree to:
We reserve the right to suspend or terminate accounts that violate these Terms.
All content, features, and functionality of this Service, including but not limited to text, graphics, logos, icons, calculations, and software, are owned by us or our licensors and are protected by UK and international copyright, trademark, and other intellectual property laws.
You may not:
Nothing in these Terms affects any non-excludable rights you have as a consumer under the Consumer Rights Act 2015 or any other applicable UK consumer protection legislation. In particular, nothing below excludes or limits our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; or any other liability that cannot be excluded or limited by law.
Subject to the paragraph above:
If you are a consumer, these limitations do not affect your statutory rights, including your right to receive services performed with reasonable care and skill under the Consumer Rights Act 2015.
You agree to use the Service only for lawful purposes and in accordance with these Terms. In particular, you agree not to:
Nothing in this section requires you to indemnify us against losses that arise from our own negligence, breach of contract, or failure to comply with applicable law.
The Service may contain links to third-party websites or services. We are not responsible for:
If you access the Service through the Wealth365 mobile application ("App"), the following additional terms apply alongside all other provisions in these Terms.
The App is available for iOS (iPhone and iPad) and Android devices. The App is designed for UK residents only, consistent with Section 1 of these Terms.
Subscriptions to Wealth365 are billed through our web platform via Stripe, a PCI-DSS Level 1 certified payment provider. The App does not use Apple In-App Purchase or Google Play Billing for subscription payments. If you wish to purchase, upgrade, or cancel a subscription, you must do so through your Account page on the Wealth365 website (wealth365.co.uk). No payment details are collected or processed within the App itself.
When you download the App from Apple App Store or Google Play Store, you also agree to that store's terms and conditions. In the event of any conflict between those terms and these Terms, these Terms govern your use of the Service; the relevant store terms govern your use of the store and any applicable in-store features.
Apple Inc. and Google LLC are not parties to these Terms and have no obligation to provide any maintenance or support for the App.
The App offers optional biometric authentication (Face ID, Touch ID, or fingerprint) as a convenience feature. By enabling biometric login:
The App may request permission to send push notifications. Notifications may include plan reminders, security alerts, and service updates. You can revoke notification permission at any time in your device settings. Disabling notifications does not affect your ability to use the Service.
The App collects anonymised crash and performance data using Sentry. A PII-scrubbing layer removes all personal and financial data from these reports before they leave your device. You cannot opt out of crash reporting as it is essential for maintaining the stability of the App, but only anonymised technical data (stack traces, screen names, timing) is transmitted — no financial plan data is ever included.
The App may request the following device permissions:
| Permission | Purpose | Required? |
|---|---|---|
| Notifications | Plan reminders and security alerts | Optional |
| Biometrics (Face ID / fingerprint) | Quick, secure login | Optional |
| Camera / Photo Library | Upload a profile photo or documents (if feature is enabled) | Optional |
No permissions are requested without a clear, user-initiated reason. Denying any optional permission does not prevent you from using the core planning features of the App.
We may release updates to the App from time to time to add features, fix bugs, or comply with new store policies. We recommend keeping the App updated to the latest version. We reserve the right to end support for older versions of the App with reasonable notice.
See our Privacy Policy, Section 13 for a full description of data collected when using the mobile App, including device information, push notification tokens, crash telemetry, and the third-party processors involved.
We may update these Terms from time to time to reflect changes in the law, our services, or our business practices. When we make changes:
If you are a consumer, your statutory rights under the Consumer Rights Act 2015 are not affected by any change to these Terms.
Termination by us: We may suspend or terminate your access to the Service if you materially breach these Terms and, where the breach is capable of remedy, you fail to remedy it within 14 days of written notice from us. We may also terminate your access immediately where required by law, or where continued access poses a serious security or legal risk.
In all other circumstances, we will give you at least 30 days' written notice before terminating your account, and will provide you with a reasonable opportunity to export your data.
Termination by you: You may cancel your subscription and close your account at any time through your Account settings page or by contacting us at contact@wealth365.co.uk. Cancellation takes effect at the end of your current billing period.
Effect of termination: On termination, your right to use the Service will cease. We will retain your data for up to 30 days following termination in case you wish to retrieve it, after which it will be deleted in accordance with our Privacy Policy. Provisions that by their nature should survive termination (including Sections 2, 3, 9, 15, and 16) will continue to apply.
These Terms shall be governed by and construed in accordance with the laws of England and Wales.
Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and us regarding the use of the Service.
For questions about these Terms or to exercise your data protection rights, please contact:
Wealth365 Ltd
Registered in Northern Ireland, company number NI740485
Registered office: 19 Milltown Street, Warrenpoint, Co. Down BT34 3PS
Email: contact@wealth365.co.uk
Data Protection Enquiries: dpo@wealth365.co.uk
We are committed to resolving any complaints about our Service promptly and fairly. If you are unhappy with any aspect of Wealth365 — including our calculations, platform behaviour, subscription billing, or customer service — please follow the steps below.
Step 1 — Contact us in writing. Send your complaint to complaints@wealth365.co.uk with the subject line "Complaint". Please include:
Step 2 — Acknowledgement. We will acknowledge your complaint within 3 business days of receipt.
Step 3 — Investigation and response. We will investigate your complaint and provide a written response within 20 business days of the date we received it. Where a complaint is complex and we need more time, we will write to you to explain the reason for the delay and give you a revised timescale, which will not exceed 35 business days in total.
Step 4 — Final response. Our written response will set out our conclusions and, where we have upheld your complaint, what we intend to do to put things right.
Wealth365 is not authorised by the Financial Conduct Authority (FCA). This means you do not have the right to refer a complaint about our Service to the Financial Ombudsman Service (FOS). The FOS handles complaints only against FCA-authorised firms. We tell you this so that you know the limits of your recourse before using the Service.
Your use of the Service is also not protected by the Financial Services Compensation Scheme (FSCS).
If your complaint relates specifically to our handling of your personal data under UK GDPR, you also have the right to lodge a complaint directly with the Information Commissioner's Office (ICO):
Website: ico.org.uk
Telephone: 0303 123 1113
We would appreciate the opportunity to address any data-related concern directly before you contact the ICO, but you are free to contact the ICO at any time.