Legal

Terms of Service

Plain-English terms for using Thrifty Owl. We believe legal documents should be readable.

Last updated: May 2026

These Terms of Service ("Terms") govern your use of the Thrifty Owl web application and related services ("Service") operated by Thrifty Owl ("we", "us", "our"). By creating an account or using the Service, you agree to these Terms.

1. Using Thrifty Owl

Eligibility

You must be at least 13 years old to use Thrifty Owl. By using the Service, you confirm that you meet this requirement.

Your account

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us immediately at info [at] thriftyowl [dot] money if you suspect unauthorised access.

Acceptable use

You agree not to:

2. Your data

You own your data. By using the Service, you grant us a limited licence to store and process your data solely to provide the Service to you. We do not claim ownership of your financial data and will never use it for advertising or sell it to third parties.

See our Privacy Policy for full details on how we handle your data.

3. Free and Pro plans

The Free plan is available at no cost with the features described on our Pricing page. We reserve the right to adjust the features included in each tier with reasonable notice to users.

Pro subscriptions are billed annually via Stripe. You may cancel at any time; cancellation takes effect at the end of the current billing period. Payments are non-refundable.

To keep a Free account active, we ask that you log in at least once every six months. If six months pass without a login, we'll email you a warning. If a further 30 days go by with no login after that warning, your account and all data associated with it will be permanently deleted. Logging in at any point resets this clock. This policy does not apply to Pro accounts.

4. Availability and changes

We aim for high availability but do not guarantee uninterrupted access. We may modify, suspend, or discontinue features of the Service with reasonable notice. We will give at least 90 days' notice before any significant change affecting data portability.

5. Disclaimers

Thrifty Owl is a personal finance tracking tool. It does not provide financial, investment, tax, or legal advice. Any decisions you make based on information displayed in Thrifty Owl are your own responsibility. We are not liable for financial losses arising from your use of the Service.

The Service is provided "as is" without warranties of any kind, express or implied, to the extent permitted by law.

6. Limitation of liability

To the maximum extent permitted by applicable law, Thrifty Owl shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service. Our total liability to you shall not exceed the amount you have paid us in the 12 months preceding the event giving rise to the claim.

7. Termination

You may delete your account at any time from your account settings. We may suspend or terminate accounts that violate these Terms. Upon termination, your data will be deleted within 30 days per our Privacy Policy.

To delete your account: click your profile icon, select Personal data, then choose Delete account. You'll be asked to confirm your password before the deletion is carried out. This action is permanent and immediately removes all your accounts, transactions, budgets, and settings — it cannot be undone.

8. Governing law

These Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

9. Changes to these Terms

We may update these Terms from time to time. We will notify you of material changes by email at least 30 days before they take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

10. Contact

Questions about these Terms? Email us at info [at] thriftyowl [dot] money.