Terms of Use

Last updated: April 2026

About Claiyo

Claiyo is a free financial information tool that helps UK users understand and plan their debt repayment. By using Claiyo, you agree to these terms.

Not financial advice

Claiyo provides general financial information only. Nothing on this platform constitutes personal financial advice, and we are not regulated by the Financial Conduct Authority (FCA) to provide financial advice.

If you need personalised financial advice, please speak to a qualified financial adviser or a free debt charity such as StepChange (0800 138 1111) or Citizens Advice.

Accuracy of information

The payoff plans and projections generated by Claiyo are estimates based on the information you provide. Actual results will vary depending on changes to interest rates, your financial circumstances, and other factors. We make no guarantees about the accuracy of projections.

Affiliate relationships

Claiyo may display links to third-party financial products. We may earn a commission if you apply for or take out a product through these links. We only feature products we believe may be genuinely useful. Commission does not influence the information or plans we provide.

Your responsibilities

  • You are responsible for the accuracy of the debt information you enter
  • You must be 18 or over to use Claiyo

Limitation of liability

Claiyo is provided free of charge and on an "as is" basis. We are not liable for any financial decisions you make based on information provided by Claiyo. Always seek independent advice before making significant financial decisions.

Changes to these terms

We may update these terms from time to time. Continued use of Claiyo after changes are posted constitutes acceptance of the new terms.

Contact

For any questions about these terms, email hello@claiyo.co.uk.