Terms of Service

These terms apply when you use LifeLedger. By creating an account or using the service you agree to them.

1. The service

LifeLedger helps you track household bills, plan a move, store documents, log home inventory and vehicle details, and compare providers. Core features are free. Some features require a paid Premium subscription.

2. Your account

• You must be at least 16 years old to create an account.
• You are responsible for keeping your password secure and for activity on your account.
• The information you give us when signing up must be accurate.
• Tell us promptly at hello@lifeledger.uk if you think your account has been accessed without permission.

3. Acceptable use

You agree not to use LifeLedger to break the law, upload content you have no right to store, attempt to access other users' data, disrupt or overload the service, or reverse engineer it. We may suspend accounts that do these things.

4. Comparison information is not advice

Prices and savings shown in Compare & Switch and on your dashboard are indicative estimates based on typical household usage and publicly available tariff information. They are not personalised quotes and are not financial advice.

• Actual prices depend on your usage, location, credit checks and the provider's own terms.
• Rates change; figures shown may not reflect the provider's current pricing.
• We do not list every provider in the market.
• Any contract you enter is between you and that provider, not with LifeLedger.

Always confirm the details on the provider's own website before switching.

5. How we make money

We may receive a referral fee from a provider when you switch through a link on LifeLedger. The fee is paid by the provider, never by you, and your price is unaffected. Sponsored listings are labelled "PARTNER" and sponsorship does not change comparison rankings. Full details are in our Affiliate Disclosure.

6. Premium subscription

• Premium is billed monthly at the price shown in the app at the time you subscribe.
• Any free trial period is stated before you subscribe. If you cancel during a trial you will not be charged.
• You can cancel at any time. Access continues until the end of the paid period.
• We may change the price with reasonable notice; changes never apply to a period you have already paid for.
• Your statutory rights as a UK consumer, including cancellation rights, are unaffected by these terms.

7. Bank connections

If you use Bank Connect, the connection is made through a regulated open banking provider. You authorise access directly with your bank, we never see your banking credentials, and you can revoke access at any time through your bank or in LifeLedger.

8. Your content

You keep ownership of everything you enter or upload. You give us permission to store and process it only to provide the service to you. You can export or delete it at any time.

9. Availability

We aim to keep LifeLedger available and reliable, but we do not guarantee uninterrupted service. We may change, suspend or withdraw features, and will give reasonable notice of significant changes where we can.

10. Keep your own records

LifeLedger is a convenience tool, not a system of record. Please keep original copies of important documents elsewhere and do not rely on LifeLedger as your only copy.

11. Our liability

Nothing in these terms excludes liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot lawfully be excluded.

Subject to that, we are not liable for losses arising from your reliance on indicative comparison figures, decisions you make about providers, loss of data where you have not kept your own copies, or service interruptions. Our total liability in any 12-month period is limited to the amount you paid us in that period.

12. Ending your account

You can delete your account at any time in Settings. We may suspend or close an account that breaches these terms, and will explain why unless we are prevented from doing so.

13. Changes to these terms

We may update these terms. The date at the top shows when they last changed, and we will tell you in the app or by email if a change materially affects you.

14. Governing law

These terms are governed by the law of England and Wales, and disputes are subject to the courts of England and Wales.

15. Contact

Questions about these terms: hello@lifeledger.uk