Terms of Service

Last updated

27 October 2026

1. About these terms

Planiva is operated by Inthink Limited, a company registered in England and Wales under company number 07401623, trading as Planiva. Our registered office is Second Floor, 2 Walsworth Road, Hitchin, England, SG4 9SP. Our VAT registration number is GB 308 7134 11. For subscription, billing, cancellation or other enquiries, contact info@inthink.co.uk.

These terms govern your use of Planiva (the “service”). Planiva provides personal financial planning tools and a scenario workbench for exploring and organising financial decisions. The service may include tools covering areas such as cashflow, retirement, tax, capital gains and disposal planning, estate planning and other related topics over time. By using the service, you agree to these terms.

2. Consumer and business use

Consumer means you are using the service for your own personal purposes.

Business user means you are using the service in the course of business, trade or profession, including financial advisers or anyone using the service with or for clients.

The service is designed primarily for consumers. Business users may use the service, but it is not designed or warranted for professional use and business users use it at their own risk.

3. Eligibility and your account

You are responsible for maintaining the confidentiality of your account and for activity under it. You must provide accurate information where requested.

The service is not intended for children under 16. You must not use the service to create accounts for, or intentionally store personal data about, children under 16.

4. Pricing, subscription terms, and changes

Planiva Monthly is a rolling monthly subscription. Your first calendar month is free. After that, your subscription renews monthly at £2.99/month, including VAT, until you cancel. A payment method is required to start the free month, but you are not charged when you start it.

There is no annual commitment and no automatic anniversary price increase. You can cancel through the billing area in your account before a renewal payment is due, without a cancellation charge. Cancellation ends future renewals; you keep access until the end of the current paid period or any applicable complimentary-access period.

We may change subscription prices to reflect changes in the costs of providing Planiva, including hosting, security, third-party services and customer support; inflation; changes in applicable taxes or legal requirements; or substantial improvements to the features and functionality included in your subscription.

If we increase your subscription price, we will email you at least 30 days before your first payment at the higher price. The email will explain the reason for the increase, your new price, when it will apply and how to cancel. The increase will apply from a monthly renewal date and will not affect a period you have already paid for. We will honour any price guarantee or complimentary access period we have expressly agreed with you.

If you do not wish to continue at the new price, you can cancel through your account before the higher payment is due, without a cancellation charge. You will retain access until the end of your current paid period or applicable free-access period. Unless we state otherwise, Planiva Monthly includes up to 10 saved planning scenarios across the personal planning tools in your account.

When registrations reopen, people who already have a Planiva account at that time will receive one year of complimentary access from the reopening date. Any longer complimentary period we have expressly promised to an individual will continue to apply. At the end of complimentary access, you will not be charged automatically: you must actively choose a paid subscription to continue paid access. Accounts created after registrations reopen follow the standard first-calendar-month-free offer.

5. Information only, not financial advice

The service provides tools and information for planning and education. It does not provide financial, tax, legal, or investment advice, and it is not a regulated financial advice service.

Outputs are illustrative and depend on the information you enter, the assumptions used, and the scope of the relevant tool. You should obtain independent professional advice before making financial decisions.

You agree that you will not rely on outputs as the sole basis for financial decisions.

AI-assisted features may produce incomplete, simplified, or inaccurate outputs and must not be relied on as the sole basis for financial decisions.

If you are a business user, you must not present outputs as advice from us, and you are responsible for ensuring your own compliance with any professional and regulatory obligations.

6. Your responsibility for inputs and decisions

You are responsible for the accuracy and completeness of the information you enter. Outputs can change materially with different inputs, assumptions, tax rules, market conditions, and personal circumstances.

Some features may use optional profile details you provide to apply default assumptions or personalise the service. For example, some tools may use age, date of birth, gender, names, relationship details, or other profile information where relevant to the feature. You should review and adjust assumptions before relying on outputs. Defaults are illustrative only.

Names, notes, and similar profile or record labels are generally for personalisation and organisation only unless the service explicitly states otherwise.

You are also responsible for protecting your account and any downloaded reports, spreadsheets, PDFs, or other exports, because they may contain sensitive financial information.

If you enable Enhanced Privacy, you are responsible for keeping your privacy passphrase and recovery key safe. If both are lost, protected saved data may not be recoverable.

7. If you enter information about other people

If you enter information relating to another person (for example a partner, family member, beneficiary, executor, co-owner or client), you confirm you have the right to provide that information and to allow us to process it in accordance with our Privacy Policy. You are responsible for how you use outputs with or for other people.

8. No warranties

To the maximum extent permitted by law, the service is provided on an “as is” and “as available” basis. We do not warrant that:

• calculations, projections, reports, or other outputs are accurate, complete, or up to date,
• the service will meet your requirements, or
• the service will be uninterrupted or error free.

If you are a consumer, nothing in these terms affects your statutory rights.

9. Limitation of liability

Nothing in these terms limits or excludes liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.

For consumers: the service is provided for information only. To the extent permitted by law, we are not liable for losses arising from your reliance on projections or outputs, or decisions you make using the service. We are not liable for any indirect or consequential loss. This does not affect liability that cannot be excluded by law.

For business users: to the maximum extent permitted by law, we exclude all liability for loss of profit, loss of revenue, loss of business, business interruption, loss of data, and any indirect or consequential loss. Our total liability to you for any claim arising out of or in connection with the service (whether in contract, tort including negligence, misrepresentation, restitution or otherwise) is limited to £1.

10. Acceptable use

You must not:

• misuse the service, attempt unauthorised access, or interfere with its operation,
• scrape, crawl, or harvest data at scale,
• reverse engineer, copy, or create derivative works except where permitted by law,
• use the service to provide regulated advice or in a way that implies endorsement, certification, or approval by us,
• input unlawful content or content that infringes the rights of others.

11. Intellectual property

We retain all rights in the service, software, content, and branding. You may use the service only as permitted by these terms.

12. Privacy-safe usage data

We may use aggregated and privacy-safe usage data to operate, secure, analyse, and improve the service.

Planiva does not sell personal financial data.

Planiva does not use detailed financial planning inputs to create commercial datasets for sale or third-party sharing.

Our Privacy Policy explains this in more detail.

13. Communications

We may send you emails and other messages about the service. These include:

• Service messages needed to operate your account (for example security notices and important changes).
• Non-essential messages such as product updates, new feature announcements, surveys, and feedback requests. Where required, you will be able to opt out of non-essential messages.

For more information, see our Privacy Policy.

14. Privacy

Our Privacy Policy explains how we process personal data.

Where we use optional analytics technologies such as Google Analytics, they are subject to your cookie consent choices. Necessary cookies required to provide and secure the service may still be used.

We use security measures, including encryption where appropriate, but no system is completely secure and access to saved data depends on service, account, and key-management infrastructure.

Planiva's primary application and database infrastructure is currently hosted in European data centres, although some supporting providers may process limited data outside the UK or EEA in line with the Privacy Policy.

15. Governing law

These terms are governed by the laws of England and Wales, and the courts of England and Wales will have jurisdiction, subject to any mandatory rights you may have under applicable consumer law.

16. Contact

Questions about these terms, subscriptions or billing can be sent to info@inthink.co.uk or through our contact page.