1. About these terms

These terms apply when you use Amwalio at amwalio.app. Amwalio is run by the Amwalio team, a not-for-profit project that is not yet a registered company. Contact: hello@amwalio.app. By using Amwalio you agree to these terms. Our privacy notice explains what happens to your information.

2. What Amwalio is

Amwalio is a free tool that helps families plan their own money, month by month. It covers money in and out, one-offs, savings goals, debts you already owe, what you hold and invest, zakat and giving. You can use it without an account, in which case your plan stays in your browser on your device. You can also create an account and choose to save your plan to our server so it follows you between devices.

3. Not financial advice

Amwalio organises the figures you enter and does the sums. It does not tell you what to buy, save, invest in, borrow or repay, and it does not know your full circumstances.

• Nothing in Amwalio is financial, tax, legal or investment advice.
• The typical UK amounts in the set-up wizard are averages from official statistics (ONS). They are a guide to help you remember costs, not a recommendation, and your own amounts may be very different.
• Reminders (“did you forget…?”) are prompts based on your own plan, not advice.
• Forecasts are only as good as the figures you put in.
• For advice about your situation, speak to a qualified, regulated adviser.

4. No interest products

Amwalio does not offer, list, recommend, compare or link to any interest-based products, including through affiliate links. Something big is planned as a savings goal — what it costs and what you put aside, never borrowing. Recording a debt you already owe is for your own planning. Amwalio has no bank connections and never asks for bank log-ins.

5. Where your plan is kept

Without an account, your plan is kept only in your browser. We cannot see, back up or recover it. If you clear your browser, change device or use private browsing, it may be lost. On a shared computer, use Clear Device Data when you finish.

With an account, and only if you choose to save your plan to it, a copy is kept on our database in Europe, run by our provider Supabase rather than by us. You can switch back to keeping it on your device alone, delete the saved copy, or delete the whole account and everything in it, at any time and without asking us.

Either way, nobody at Amwalio reads what is in your plan. Our own administration tools can count accounts and cannot return a single figure from inside one.

6. Fair use

Please don't break the law using Amwalio, try to break or probe its security (tell us at hello@amwalio.app instead), overload it with bots or scrapers, or copy it to run as a competing service.

7. Amwalio's content

Amwalio's software, design and text belong to the Amwalio team or its licensors. You may use Amwalio to plan your own family's money. Typical UK amounts are from the Office for National Statistics, under the Open Government Licence v3.0.

8. Availability and changes

Amwalio is free. We work to keep it available and accurate, but we cannot promise it will always be available or error-free. We may improve or change features. If we change these terms in an important way, we will show the new version on the site before it takes effect.

9. Our liability

• Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud, or anything else the law does not allow us to limit. Your legal rights as a consumer are not affected.
• Amwalio is a free planning tool for personal and family use. We are not responsible for decisions you make using its figures or forecasts, errors from figures you entered, a plan lost from your browser, or losses that were not reasonably foreseeable.
• If Amwalio damages your device or other digital content because we did not use reasonable care and skill, we will repair the damage or pay fair compensation.

10. Law

These terms are governed by the law of England and Wales. You can bring a claim in the courts of England and Wales. If you live in Scotland or Northern Ireland, you can also use your local courts. If any part of these terms cannot be enforced, the rest still applies.