On the surface, finances look fine — money in, money out. Underneath, debt costs more than you think, goals drift, and subscriptions run for things you forgot. Beynd breaks that open. You see what is happening in specific numbers and a clear plan you can follow.
What Beynd does
Built to guide what you do next
Beynd does not move your money. It coaches, analyses, and guides — before every moment that matters.
Subscription visibility
Seven days before a subscription renews, you see it — with the annual cost and a clear decision. Cancel before it charges or keep it if you use it. Your money, your call, at the right time.
Plan before the moment
A monthly plan from your income, debts, goals, and spending — adapted to who you are. Irregular earner, family, debt focus: the plan shifts because your life is not generic.
Coaching that adapts
When you follow a suggestion, the coach moves forward. When you do not, it adjusts instead of repeating. It learns from how you live — not how you meant to.
Overdue alerts
Payments and goals past their date get named with a clear next step — not a generic warning, a specific nudge when it still helps.
Debt intelligence
You see what your highest-interest debt costs each month and year, plus the overpayment that could cut years off it. Real numbers, real impact.
Your data. Your device.
Everything you enter stays on your phone: no server, no cloud account, no data sold. A coach, not a data business. Bank integration is coming — until then, your financial life stays private.
How it works
Set up in under two minutes
Tell Beynd about your income and essentials. It builds your plan immediately. No bank connection needed to start.
01
Tell us who you are
Your income, whether it is regular or variable, and whether you support anyone else. Two minutes. Three questions. Your plan is different because your life is different.
02
Add your essentials
Housing, food, transport, bills. Rough figures are fine. Beynd uses them to calculate what you genuinely have left this month and what your priorities should be.
03
Beynd coaches from here
Your plan is built. Subscriptions and goals sit on that plan with deadlines. Beynd surfaces what matters before it becomes a problem.
Subscription clarity
Know before it charges
The average household pays for three subscriptions they no longer actively use. Beynd surfaces every renewal before it hits.
Subscription renewal — 6 days away
Netflix
Monthly · Auto-renews 8 January
Monthly cost£17.99
Annual cost£215.88
Are you still using this?Worth checking
Beynd does not cancel subscriptions. If you decide to cancel, do it directly with the provider. Remove it here to keep your plan accurate.
What this looks like in real life
Cancel subscriptions before they renew
Avoid missed payments
Stay on track with debt and goals
See the impact of decisions immediately
Most people make their first change within minutes.
The sky is not the limit. We can look beyond that.
Beynd is for people told something was not possible — who decided otherwise. Smart, different, and done with systems that were not built for them.
Most tools assume you already see what to do next with money. Beynd meets you where you are. No judgment on past spending — only what is possible from here.
The name is a belief: your finances are a starting point, not a ceiling. The work is going beyond what you thought you had.
Beynd does not move your money. It shows what is possible with it before decisions, renewals, and the moments that matter.
The app is where Beynd starts. Where it goes is limited only by the people it serves.
Beynd Ltd · Registered in England and Wales
Get Beynd
Start with Beynd today
Beynd starts on your phone. No app store needed. Add to your home screen for a native feel — fullscreen, offline, and updates when we ship them.
Beynd Ltd (“we”, “us”, “our”) operates the Beynd application.
Beynd Ltd acts as the data controller for personal data we process where we determine the purposes and means of that processing.
This Privacy Policy explains how we collect, use, and protect your information when you use Beynd.
Beynd is designed with a privacy-first, local-first architecture, meaning your financial data remains under your control.
2. What Data We Collect
2.1 Financial Data (Local Only)
When you use Beynd, you may input financial information such as:
income
expenses
debts
savings goals
investments
This data is:
✔ stored locally on your device
✔ not transmitted to Beynd servers
✔ not accessible by Beynd Ltd
We do not collect, store, or process this financial data on our systems.
2.2 Technical and Usage Data
We may collect limited non-financial data, such as:
anonymised usage analytics
device type and browser information
performance and error diagnostics
This data is used solely to:
improve application performance
identify bugs
enhance user experience
3. Open Banking and Third-Party Data Access
Beynd may offer optional bank connection features through regulated Open Banking providers such as TrueLayer, Plaid, or Yapily.
Open Banking connections are delivered by independent, regulated providers. Each provider remains responsible for its own services, regulated activities, credentials handling, and compliance with applicable law; Beynd does not stand in place of those providers.
3.1 How Connections Work
Bank authentication is handled entirely by the third-party provider
Beynd does not see or store your banking credentials
Connections are established only with your explicit consent
3.2 Data Received
If you connect a bank account, Beynd may receive:
account balances
transaction history
account identifiers
This access is:
✔ read-only
✔ permission-based
✔ user-controlled
3.3 How Data Is Used
Connected data is used solely to:
provide financial insights
improve budgeting and planning
power coaching features
We do not:
sell this data
share it with advertisers
use it for profiling
3.4 Data Storage and Processing
Depending on implementation:
Data may be processed locally on your device, or
Temporarily processed via secure integrations with providers
In all cases:
Beynd does not store raw banking credentials
Data access is limited to what you authorise
3.5 Revoking Access
You can revoke access at any time:
through the third-party provider
or within the Beynd application
4. Legal Basis for Processing
Where applicable under UK GDPR, we process data based on:
Consent — for Open Banking connections
Legitimate interests — for improving the application
5. Data Sharing
We do not sell your personal or financial data.
We only share data where necessary:
with Open Banking providers (e.g. TrueLayer, Plaid, Yapily)
with infrastructure providers (e.g. hosting, analytics)
All third parties are required to handle data securely and in accordance with applicable regulations.
6. Data Retention
Locally stored data remains on your device until you delete it
Uninstalling the application removes locally stored data
We do not retain centralised financial records
Where limited technical data is collected, it is retained only as long as necessary for operational purposes.
7. Security
We take reasonable technical and organisational measures to protect data.
However:
no system can be guaranteed completely secure
you are responsible for keeping your device secure
8. Your Rights
Depending on your location, you may have rights to:
access your personal data
request correction or deletion
withdraw consent
lodge a complaint with a supervisory authority
Because Beynd stores financial data locally, you retain direct control over that data.
9. Children’s Privacy
Beynd is not intended for users under 18.
We do not knowingly collect data from children.
10. Changes to This Policy
We may update this Privacy Policy from time to time.
Updates will be reflected by the “Effective date” above.
11. Cookies and Tracking
The Beynd marketing website uses minimal cookies, limited to those needed for core functionality where applicable.
We do not use advertising or behavioural tracking cookies on this policy view, and Beynd products are built without ad-tracking models.
Typography may be loaded via services such as Google Fonts; those providers may process limited technical data under their own terms.
Beynd is a personal financial planning application developed and operated by Beynd Ltd, a company registered in England and Wales.
The application is available at gobeynd.app and may be installed as a Progressive Web App on your device.
Beynd is a software tool designed to help individuals plan, organise, and better understand their personal finances.
Beynd is not
a bank
a financial institution
a payment service provider
an Account Information Service Provider (AISP)
a regulated financial adviser
Nothing in the application constitutes financial advice, investment advice, or a recommendation to buy, sell, or hold any financial product.
Beynd Ltd is not authorised or regulated by the Financial Conduct Authority (FCA) and does not carry on regulated financial activities by providing Beynd.
2. Acceptance of These Terms
By accessing or using Beynd, you agree to be bound by these Terms of Service.
If you do not agree, you should not use the application.
We may update these terms from time to time. Continued use of Beynd constitutes acceptance of any updated terms.
3. Your Data and Privacy
Beynd is built on a privacy-first, local-first architecture.
All financial data you enter is stored locally on your device. This includes income, expenses, debts, goals, and investments.
Beynd Ltd does not store this financial data on its servers.
No account creation is required, and we do not maintain centralised financial records.
We do not sell or share your financial data with third parties.
We may collect limited non-financial data such as anonymised usage analytics and performance diagnostics to improve the application.
4. Open Banking and Third-Party Data Connections
Beynd may offer optional bank connection features using Open Banking providers such as TrueLayer, Plaid, or Yapily.
Bank connections are provided by regulated third-party providers. Beynd does not access or store your banking credentials.
Authentication is handled entirely by the third-party provider.
If you choose to connect a bank account, Beynd may receive:
account balances
transaction history
account identifiers
This access is read-only and permission-based.
You will be asked to explicitly consent before any connection is made. You may revoke access at any time through the provider or within Beynd.
Beynd processes this data solely to provide financial insights and coaching.
Beynd does not
hold funds
initiate payments
execute transactions
act as a regulated financial service provider
5. Not Financial Advice
Beynd provides tools, calculations, and educational content to help you understand your finances.
It does not provide regulated financial advice.
You should not rely on Beynd as a substitute for professional advice. If needed, consult a qualified financial adviser.
Beynd Ltd accepts no liability for decisions made based on use of the application.
6. Your Responsibilities
You are solely responsible for how you use Beynd, for safeguarding your device and account access, and for any decisions or actions you take based on information shown in the application.
By using Beynd, you agree to:
keep your device and operating environment secure and up to date
keep any passcodes, PINs, and biometrics confidential and not share access with others
ensure the accuracy and completeness of data you enter and review outputs critically
use the application lawfully and only for your own personal, non-commercial planning unless we agree otherwise
not attempt to reverse engineer, misuse, or disrupt the application or its integrations
7. Subscription and Payments
Beynd may offer free and paid subscription tiers.
Payments are processed through Apple App Store or Google Play Store.
Beynd Ltd does not process or store payment card information.
8. Intellectual Property
All rights in Beynd, including application design, content, and branding, are owned by Beynd Ltd.
You may not copy, distribute, or create derivative works without permission.
9. Disclaimer and Limitation of Liability
Beynd is provided "as is" without warranties of any kind.
We do not guarantee that:
the application will be error-free
the application will be uninterrupted
calculations will always be accurate
We do not guarantee that Beynd or any feature will be available at all times, in all regions, or on all devices; maintenance, updates, third-party dependencies, or force majeure may affect availability.
To the fullest extent permitted by law, Beynd Ltd shall not be liable for financial losses, data loss, or indirect damages.
10. Product Availability and Changes
Beynd is an evolving product.
We may add, modify, or remove features at any time.
11. Termination
You may stop using Beynd at any time.
Because your data is stored locally, uninstalling the application removes your data permanently.
12. Governing Law
These terms are governed by the laws of England and Wales.