Terms of Use

1. Acceptance of these Terms

By accessing or using Clear Balance, you agree to these Terms of Use. If you do not agree to these Terms, please do not use the app or website.

2. About Clear Balance

Clear Balance is a debt tracking and payoff planning app operated by CLEARBALANCE TECHNOLOGIES LIMITED, a private limited company registered in England and Wales.

Company number: 17117064.

Clear Balance is not a bank, lender, broker, credit repair service, or debt management company.

3. Not financial advice

Clear Balance is an informational and planning tool only. Nothing in the app or on the website is intended to be financial, legal, tax, or debt advice.

Any projections, estimated savings, payoff dates, or planning insights, including responses from Clear Balance Assistant, are based on your saved information, built-in app rules and general educational content. They are estimates or explanations rather than guarantees or personalised regulated advice. The Assistant may misunderstand a question or work with incomplete information.

You remain responsible for your own financial decisions, payment choices, and any action you take based on information shown in the app.

4. Your use of the app

You are responsible for entering accurate information into Clear Balance. This includes balances, payments, APR details, promotional periods, and any budget information you choose to add.

You are also responsible for checking your lender statements, due dates, minimum payments, and account terms directly with your provider.

Clear Balance Assistant can help explain your recorded information and, for supported requests, prepare debt edits or record payments in your local tracker. You must review and explicitly confirm proposed changes before they are saved. The Assistant does not make bank transfers, repay creditors or contact them on your behalf.

5. Subscriptions and premium features

Some features of Clear Balance may require a paid premium subscription. Subscription access is optional, and some core app features may remain available without a premium purchase, subject to feature availability.

Subscription prices, billing periods, and available plans are shown at the point of purchase inside the app or through the relevant platform. By purchasing a subscription, you authorise the relevant app store or platform to charge the price displayed to you, together with any taxes or charges that may apply under that platform’s rules.

Unless otherwise stated at the point of purchase, subscriptions may renew automatically at the end of each billing period until cancelled by you through the platform used to make the purchase, such as your Apple App Store account settings or Google Play account settings.

Deleting the app does not automatically cancel an active subscription. If you cancel, premium access will usually continue until the end of the current paid billing period unless the platform states otherwise.

From time to time, free trials, former-subscriber win-back prices, promotional codes or other offers may be available to eligible accounts. Eligibility, promotional periods, later renewal prices and redemption conditions are described more fully in our Subscription Terms and by the relevant app store before purchase.

Refund eligibility and processing are generally controlled by the app store or payment platform through which the purchase was made. Clear Balance does not promise direct refunds outside the policies and tools made available by the relevant purchase platform.

Premium access and restore functionality depend on the purchase record, platform account, entitlement information, and any supporting subscription services used to verify access.

We may change the availability, structure, pricing presentation, or included features of premium offerings over time. Any future subscription purchases will be based on the terms and pricing shown to you at the point of purchase on that date.

It is your responsibility to review subscription pricing, billing terms, renewal details, and cancellation options before purchasing.

6. Availability and changes

We may update, improve, change, pause, or remove parts of the app, website, or features at any time.

We do not guarantee that the app or website will always be available, uninterrupted, error-free, or compatible with every device or operating system version.

7. Accuracy of information

We aim to make Clear Balance helpful, clear, and reliable. However, we do not promise that all information, calculations, or projections will always be complete, accurate, or suitable for every situation.

Forecasting tools depend on the quality of the information entered by you and on assumptions that may change over time.

8. Intellectual property

Clear Balance, including its branding, logo, design, text, graphics, and software elements, is owned by or licensed to us unless otherwise stated.

You may not copy, reproduce, modify, distribute, sell, or exploit any part of the app or website except where allowed by law or with our written permission.

9. Limited licence to use Clear Balance

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to download, install, access, and use Clear Balance for your personal, non-commercial use.

This licence does not give you any ownership rights in the app, website, or any related content, branding, or software.

You must not copy, reproduce, modify, distribute, sell, reverse engineer, or otherwise exploit any part of Clear Balance except where allowed by law or with our written permission.

If you breach these Terms, we may suspend or end this licence.

10. Acceptable use

You agree not to misuse Clear Balance or the website. This includes not:

• using the app or website for unlawful purposes
• attempting to interfere with or disrupt the service
• trying to reverse engineer, scrape, or exploit the service improperly
• using the branding or content in a misleading or unauthorised way

11. Limitation of liability

To the fullest extent permitted by law, Clear Balance is provided on an “as is” and “as available” basis without warranties of any kind.

We are not liable for losses that result from reliance on projections, estimates, reminders, or user-entered information, or from interruptions, bugs, errors, or changes to the service.

Nothing in these Terms excludes or restricts liability, consumer rights or other protections where doing so would be unlawful.

12. Termination

We may suspend or stop providing access to the website or app, or remove access to certain features, where reasonably necessary, including in cases of misuse.

You may stop using Clear Balance at any time.

13. Governing law

These Terms are governed by the laws of England and Wales. Nothing in these Terms excludes or limits any rights you may have as a consumer under applicable law.

14. Changes to these Terms

We may update these Terms of Use from time to time. When we do, we will update the “Last updated” date above.

15. Contact

If you have any questions about these Terms of Use, please contact: