Last updated: October 2026
Candid is run by Candid Personal Finance Ltd ("we", "us"), a company registered in England and Wales (company number 17383565), at 66 Paul Street, London, EC2A 4NA. These terms apply when you use Candid, sections 6 to 13 also apply if you subscribe, and section 14 if you invite friends.
Candid provides financial guidance and education only, not regulated financial advice. All outputs are based on information you provide and are intended for educational purposes only. You should consult a qualified financial adviser before making significant financial decisions.
All projections are estimates based on the inputs you provide and the assumptions stated within the tool. Actual results may differ materially, and you are responsible for the financial decisions you make. We are not liable for losses arising from decisions made using Candid's outputs, or for losses we could not reasonably have foreseen.
Nothing in these terms limits our liability where the law does not allow it to be limited, including for death or personal injury caused by our negligence, for fraud, or under your statutory rights as a consumer.
We store the answers you give so Candid can work out your results, and to improve the tool. If you subscribe, your answers are saved against your email address so you can sign in on other devices. We do not share your personal information with third parties for their marketing. Our Privacy Policy explains what we keep, who processes it, and for how long.
Candid Personal Finance Ltd is not authorised or regulated by the Financial Conduct Authority (FCA). The guidance provided by Candid does not constitute regulated financial advice within the meaning of the Financial Services and Markets Act 2000.
We may change, suspend, or stop the service, and update these terms from time to time. If a change would materially affect a paid subscription, we will tell you by email before it takes effect, and you can cancel before it does. If we stop the service altogether, we will refund the unused part of any period you have paid for.
The first module's results are free, and the second is unlocked for free if you arrived on a friend's invite link (section 14). A subscription unlocks the results of every module, kept up to date as rates and allowances change, and lets you sign in on other devices with your email address.
A subscription gives access to calculations and information. It is not a personal recommendation or advice service, and Candid does not assess whether any product is suitable for you.
A subscription costs £7.99 a month or £49.99 a year. If you subscribed before 21 October 2026, you keep the price you signed up at (£2.99 a month or £24 a year) for as long as you stay on the same plan. Switching between monthly and annual moves you to the current price. Candid is not VAT-registered, so no VAT is added: the price shown before you pay is the price you pay. Payments are taken by our payment provider, Stripe, when you subscribe and at each renewal. We never see or store your card details.
Your subscription renews automatically at the end of each month or year, at the price then in force, until you cancel. If we change the price, we will email you at least 30 days before the new price applies to your subscription, and you can cancel before it does.
You can cancel at any time from Manage subscription at the bottom of the Your inputs page in the app, or by emailing us. Cancelling stops future payments. Your access continues until the end of the period you have already paid for, and then ends.
If you cancel within 14 days of first subscribing, we will refund your first payment in full. Email us at admin@candid-finance.co.uk from the address you subscribed with, and we will refund it to your original payment method, normally within 14 days of your request.
After those 14 days, payments are not refunded for part of a month or year, except where the law requires it, for example if the service is not as described.
You can switch between monthly and annual billing from Manage subscription. The difference is charged or credited in proportion to the time left in your current period.
If a renewal payment fails, Stripe will try again over the following days and your access continues while it does. If the payment still cannot be collected, your subscription ends.
We may end your subscription if you seriously or repeatedly break these terms, for example by sharing access or trying to get around the paywall. If we end it for any other reason, we will refund the unused part of the period you have paid for.
Once your email address is confirmed, Candid gives you a personal invite link. When someone new to Candid opens your link, enters their email address for their first module's results and confirms it, you earn a free month. Someone who has confirmed an email address on Candid before, or who already has a subscription, is not new. Each person counts once, however their email address is written (for example, with a "+" added to it), and you cannot invite yourself, including at another version of your own address.
A free month is 30 days' access to everything a subscription includes, starting when we email you that you've earned it; months earned together run one after another. It ends by itself and nothing is charged. If you already pay for a subscription, you get a month of what you pay off your next payment instead (for an annual subscription, a twelfth of its price). You can earn up to 12 free months in all. Free months have no cash value and cannot be exchanged or transferred.
The person you invite has their second module unlocked for free.
Share your link only with people you know, and not through paid advertising, spam, or by posting it where you offer something in return for using it. We may withhold or remove free months earned by breaking these rules or by creating accounts to invite yourself, and we may change or end the invite scheme by updating these terms. Free months already earned are kept if we do.
These terms do not affect your statutory rights as a consumer. They are governed by the law of England and Wales. If you live in Scotland or Northern Ireland, you can also bring proceedings in your local courts.
Questions about these terms, cancelling, or refunds: admin@candid-finance.co.uk