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 are based on the information entered into the app and should be treated as estimates rather than guarantees.
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 does not make payments for you and does not communicate with your creditors on your behalf.
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. 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
10. 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 liability where it cannot lawfully be excluded.
11. 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.
12. 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.
13. Contact
If you have any questions about these Terms of Use, please contact: