FCA and AML disclaimer

Clear service boundaries for Pay Cycle Budgeting UK.

FCA status

Pay Cycle Budgeting UK provides practical household budgeting support only. It is not authorised or regulated by the Financial Conduct Authority (FCA), and it does not provide regulated financial advice or regulated financial services.

The service does not provide debt advice, benefits advice, tax advice, mortgage advice, pension advice, investment advice, insurance advice, accountancy, bookkeeping or payroll services.

What this means: We help organise income, bills, payment dates, essentials and possible safe-spend money. We do not recommend regulated financial products, advise on debt solutions, advise on benefit entitlement, invest money, handle client money, or tell customers which financial products to take.

Anti-money laundering supervision

Pay Cycle Budgeting UK is not registered for anti-money laundering supervision because the current service is limited to unregulated household budgeting support and is not operated as an accountancy service provider, bookkeeping service, tax adviser, trust or company service provider, money service business, investment business or other regulated service requiring AML supervision.

If the business changes its services in future, its regulatory and anti-money laundering position should be reviewed before those services are offered.

Signposting

If a customer needs debt advice, benefits advice, tax advice, legal advice, regulated financial advice, crisis support or specialist money guidance, they may be signposted to an appropriate regulated, charitable or public support service.

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