Emma vs Guard Your Pay

Meet Emma, your financial super app ● All your accounts in one place ● Find and track your subscriptions ● Set budgets ● Weekly reports ● Analyze your spending & expenses ● Daily balance notifications ● Overdraft alerts BANK LEVEL SECURITY Worried about sharing your data? We hear you. ● Emma uses SSL 256-bit encryption - the same security protocol that banks use - to ensure that your sensitive, personal information is fully encrypted and securely stored. ● Emma uses biometric security authentication for an added level of protection. CUSTOMER REVIEWS “This app is amazing! I used to manually track my expenses using a notepad or a spreadsheet but always used to make mistakes and never found time to update it. This fixes all my budgeting issues and saves me so much time as well as money!” Sarah “I love the fact that I can do everything within this one app. I mainly use it for tracking my expenses but have also started using it to instantly send/receive payments which makes things super easy. Also, the money I’ve saved from using this app is used to invest in my favorite companies using the investment feature!” Mike OUR MISSION We believe everyone deserves a financial advocate to help with money management and budgeting. Someone who watches our back no matter who we are and where we come from. We provide a great experience, which relies on a basic principle - caring about our customers’ financial well being. This is who we are and what we stand for. We have received amazing feedback from the finance community and have been featured in Forbes, Financial Times, Politico, The Sunday Times and CITY A.M. MORE FEATURES? GO PLUS, PRO OR ULTIMATE We have 3 subscription upgrades available in Emma to power charge your finances. Here’s what is available in each subscription upgrade: Emma Plus True Balance - preemptively see the balance of your bank account after your subscriptions are removed Fraud Detection - find out whether your personal details have been part of a known data breach Bill Reminders - get reminded about your upcoming bills so you never miss a payment Cashback - get cashback from your favorite brands Emma Pro All the features in Emma Plus Custom categories - so you can customize your finances to your heart's content Rename transactions - for easier reference Export data - to understand your finances on excel Create Offline Accounts - to manage your cash expenses and any accounts you can’t link to Emma Create Smart Rules - to automate your Offline Accounts. Look, no hands! Split your transactions - into multiple categories for more flexibility Legendary Pro Icon - because you are a Pro Emma Ultimate All the features in Emma Plus & Pro Spaces - group together different accounts to see separated analytics and budgets Ultimate Icon - so you can show them who's boss ----------------------------------- If you choose to purchase Emma Plus, Emma Pro or Emma Ultimate, payment will be charged to your iTunes account, and your account will be charged for renewal within 24-hours prior to the end of the current period. Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. Subscriptions are managed by the user and auto-renewal may be turned off by going to the user's Apple ID. Emma subscription prices start at $4.99 CAD/USD/month with 1-month and 12-month packages available. Prices are subject to change without notice. No cancellation of the current subscription is allowed during the active subscription period. If you don’t choose to purchase Emma Plus, Emma or Emma Ultimate, you can simply continue using Emma for free. Emma Technologies LTD is registered with the Financial Conduct Authority under the Payment Services Regulations 2017 for the provision of payment services. Reference no. 794952 Company Registration Number: 10578464. Terms and Conditions: https://emma-app.com/terms Privacy Policy: https://emma-app.com/privacy

Guard Your Pay — Your money, on your side. Built specifically for British soldiers — not a generic budgeting app with a green paint job. Most finance apps have no idea what GYH(T) is, don't know your pay date isn't the 1st of the month, and can't tell SFA from SLA. Guard Your Pay does. KNOW WHAT YOU CAN SPEND, TODAY See exactly how much you can safely spend before your next payday — recalculated daily, with no judgment if you go over. Just the number, straight. CLAIM WHAT YOU'RE OWED See your HTD (Home to Duty), GYH (Get You Home), Disturbance Expenses, and Food and Incidentals Allowance entitlements based on your duty station and accommodation, with a clear nudge if it looks like you're eligible but not claiming. UNDERSTAND YOUR JPA PAYSLIP Every line item, decoded in plain English. Know what X-Factor is, what you're actually being charged for SFA or SLA, and why your pay isn't what you expected this month. SEE THE REAL COST OF CAR FINANCE PCP or HP — know the difference before you sign. See the balloon payment hiding at the end of a PCP deal, and exactly what it does to your daily budget. LONGER SEPARATION ALLOWANCE, SORTED Select your LSA level and see it reflected in what you can actually spend, whether you're on exercise or deployed. PLAN YOUR CAREER, NOT JUST YOUR MONTH See what promotion actually means for your pay packet, get a straight answer on your AFPS pension, and a head start on what you're entitled to when you eventually leave. Plus a Standard Learning Credits tracker so you don't leave £175 a year on the table. CASH ISA, STOCKS & SHARES, OR LISA? A plain English guide with no jargon, plus a live projection slider so you can actually see what your savings could become, not just be told to "start saving." YOUR DATA STAYS ON YOUR PHONE No bank login. No account to create. Everything stored on-device. Your finances are your business. Whether you're straight out of training or coming up to your pension point, Guard Your Pay is built to actually understand your pay, your allowances, and your life — not pretend you're a civilian with a 9-to-5 and a calendar-month salary.