Free financial health check

You have 14 days from booking to cancel for a full refund, under the Consumer Contracts Regulations 2013. If you want your session sooner than that, you are asking us to start inside the cancellation period, which is fine: you keep the right until the session happens, and once it has been delivered it is used up. Cancel part-way through a piece of work and you pay for what has been done, not the whole thing. To cancel, email hello@buzzaccounting.co.uk. There is no fee for cancelling and no reason required.

No. The connection is read-only: it can see transactions and balances, and that is the only thing it can ever do. There is no mechanism inside it for making a payment, changing a standing order or moving a penny between accounts — not by your coach, and not by anyone who got hold of our systems. Read-only is the type of access we are granted. The link runs through an FCA-authorised open banking provider, the same regulated system your banking app uses when it shows you an account held elsewhere. You can withdraw the permission whenever you like, from your bank's app as well as from us.

No. You are sent to your own bank's website or app to sign in, exactly as you would to check a balance, and you approve the connection there. Your username, password and any codes are typed into your bank's page rather than ours, and none of it is passed to us or stored anywhere in our systems. What comes back afterwards is transaction data — dates, amounts, merchant names — and nothing that could be used to get into your account. If you ever land on a page with a Buzz logo asking for banking credentials, it is not us: close it and email hello@buzzaccounting.co.uk.

Your coach, so they can prepare for your session, and nobody else. It is not passed to a lender or any product provider. Transaction data sits in Supabase, encrypted in transit and at rest and processed in the EU; your client file sits in Plannr, the CRM coaches work from. Coaching records are kept for six years from the end of the relationship, which follows standard practice for financial records, and you can ask for deletion at any point by emailing hello@buzzaccounting.co.uk — we reply within 30 days. We do not sell data and run no advertising tracking. Your full UK GDPR rights are set out in the privacy notice.

Yes. Disconnect in one click and the transaction data goes with it, and you can revoke the connection from your own bank's app whether or not you tell us. If you want to cancel before the session, email hello@buzzaccounting.co.uk and a person will deal with it — but tell us early, because by the time your figures are prepared and hand-checked most of the work is already done. The £39 session is a single payment, and nothing renews.

The health check itself is free — you can connect your accounts and see the picture without paying anything. The £39 is for the follow-up session with a coach. It also pays for a coach going through your categorisation line by line beforehand, flagging the subscriptions you have forgotten and the direct debits going somewhere you no longer recognise. If the £39 session is not for you, the health check on its own is still free, and so is the Financial Freedom Score. It is free, takes seven minutes and still tells you which area to work on first.

Because we already hold a good deal of your financial information, so the preparation is quicker. Say you are a Buzz Accounting client when you book and there is nothing to pay — you do not need to prove anything, we will check at our end. That applies to the Health Check for every client, whatever package you are on. The Money Road Map is a separate case: it is £399 for everyone, with no client discount.

Then the Health Check will not work for you, because it is built on real transaction data. What you can do instead is the free Financial Freedom Score, which is self-rated, or go straight to the Money Road Map at £399, where the fact-find works from documents and statements you bring rather than a live connection.

Do the Score first: it is free, takes about seven minutes, and it tells you which of the eight areas to point the Health Check at. The two answer different questions. The Score is how you think you are doing across cash flow, budget, buffer, borrowing, savings, protection, future planning and confidence. The Health Check is what your bank statements show for the last few months. If you already know your weak area and want the numbers, skip straight to booking the session.

The session ends with one agreed action, such as moving a standing order to the day after payday, cancelling two subscriptions or opening a separate account for the buffer. If the £399 Money Road Map would help, we say so once. What we will never do is recommend a pension, investment, mortgage or protection policy, because that is regulated advice and we are not authorised to give it. If we introduce you to Equity & General and you become their client, E&G pay us a commission, and we tell you before the introduction.