By using Qlear, you agree to these Terms of Service. If you do not agree, please do not use the tool. These terms apply to all users of Qlear, regardless of how you access it.
Qlear is a personal debt planning tool that helps you organise information about your debts, visualise a payoff plan, and understand your financial position. It is designed to support your own thinking and planning, not to replace professional financial advice.
Qlear is currently in an early stage of development. Features may change, be added, or be removed without notice.
All figures produced by Qlear are estimates based on the information you enter and simplified calculation models. Real-world debt repayment involves complexities that Qlear does not fully account for, including but not limited to:
If you are in serious financial difficulty, we strongly encourage you to seek guidance from a free and independent debt advice service such as StepChange (stepchange.org), Citizens Advice (citizensadvice.org.uk), or National Debtline (nationaldebtline.org).
Qlear produces outputs based entirely on the information you enter. We cannot verify the accuracy of what you enter, and we are not responsible for errors in the outputs that result from inaccurate, incomplete, or outdated information you provide.
Interest rate calculations use simplified monthly compounding and may differ from the actual calculations used by your lenders. Always refer to your official statements and lender communications for authoritative figures.
All data you enter into Qlear is stored locally on your device. We do not collect or store your financial data on our servers. Please refer to our Privacy Policy for full details.
We do not guarantee that Qlear will be available at all times or that it will be free from errors. We reserve the right to modify, suspend, or discontinue the tool at any time without notice.
We may update these Terms of Service from time to time. Continued use of Qlear after any changes constitutes acceptance of the updated terms. The date at the top of this page will always reflect when the terms were last updated.
To the maximum extent permitted by applicable law, Qlear and its creators shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of the tool or your reliance on the information it produces. This includes but is not limited to financial losses, missed payments, credit damage, or any other consequence of decisions made based on Qlear's outputs.
Qlear and all content within it, including its design, code, and written content, is the intellectual property of Qlear's creators. You may use the tool for personal, non-commercial purposes. You may not copy, reproduce, distribute, or create derivative works from any part of Qlear without explicit written permission.
These Terms of Service are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.
If you have any questions about these Terms of Service, please email us at hello@qlear.co.uk.