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.

Clear Balance is intended for adults aged 18 or over. By using the app, you confirm that you are at least 18 years old.

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. Recording a payment updates your local Clear Balance records only.

Debt and budget records are stored locally in the app's encrypted storage; we do not routinely receive them on company servers. See our Privacy Policy for more information about local processing, optional backups and third-party services.

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 use Adapty to help manage and verify entitlements; Apple or Google handles store purchases and billing.

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 where reasonably necessary, for example to address security, technical, legal, or product requirements. Where a material change affects paid features, we will provide notice or remedies when required by applicable law or store rules.

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

Clear Balance provides estimates and planning information, not guaranteed results or professional financial advice. You should verify any figures and obligations with your creditor before making financial decisions.

We do not accept responsibility for losses caused solely by inaccurate information you enter or by decisions made in reliance on estimates where we have complied with our legal obligations. This does not exclude liability where we are legally responsible, including for failure to provide digital content or services in accordance with applicable law.

Nothing in these Terms excludes or restricts liability for death or personal injury caused by negligence, fraud, or any statutory consumer right or remedy where doing so would be unlawful.

12. Termination

We may stop providing particular features, updates, support or online services where reasonably necessary, including in cases of misuse. This does not affect your statutory consumer rights.

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. For significant changes, we will take reasonable steps to notify users where appropriate or required by law.

15. Contact

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

For privacy enquiries or data protection complaints, please refer to our Privacy Policy or use the complaints form on our Support page.