Terms & Conditions

Blooom (“Blooom”, “we”, “us”, “our”) is a personal-finance web and mobile application that helps you track your net worth, understand your money and compare financial products. Blooom is operated by Blooom Ltd (company number 17363745), registered in England & Wales. Its registered office address is Ground Floor, Techno Centre, Station Road, Leeds, United Kingdom, LS18 5BJ.

You can contact us — including for any legal notice under these terms — at tom@blooom.money.

Blooom provides financial information, education and guidance — it does not provide regulated financial, investment, tax or legal advice. We are not authorised or regulated by the Financial Conduct Authority (FCA) to give personal recommendations or advice, and nothing in the app should be taken as a personal recommendation to buy, sell, hold or switch any product.

Everything we show is framed as information and eligibility. For example, Blooom may show you the highest rate we hold for a product like yours. That is a statement about the rates in our record on the day you look — not a recommendation, and not a claim that nothing better exists elsewhere. We may also show how much ISA allowance you may have left, or products you may be eligible for. We help you understand your options; the decision, and any professional advice you seek, is always yours.

Figures are illustrative and not guarantees. Projections, potential savings, growth estimates and “what it could be worth” figures are illustrative examples based on assumptions we believe are reasonable at the time. They are not guaranteed, your circumstances differ, rates and markets change, and the value of investments can fall as well as rise. Always do your own research and consider taking independent, regulated advice before making a financial decision. See How we make money for how we stay independent.

To use Blooom you must:

• be at least 18 years old;
• be resident in the United Kingdom;
• be able to form a legally binding contract under the laws of England and Wales; and
• provide accurate registration details and keep them up to date.

Blooom is designed around UK personal-finance rules (such as ISA and pension allowances) and is not intended for use outside the UK. Some products referenced in the app have their own separate eligibility criteria set by the provider.

You are responsible for keeping your login credentials secure and for all activity that takes place under your account. Please tell us promptly at tom@blooom.money if you suspect any unauthorised access.

Blooom relies on information you enter yourself — your balances, rates, goals and budget. You are responsible for the accuracy of that information. The insights, opportunities and estimates we surface are only as accurate as the data you provide, and are for your general information rather than as instructions to act.

When using Blooom, you agree not to:

• use the service for any unlawful, fraudulent or harmful purpose;
• attempt to gain unauthorised access to our systems, other users’ data, or any part of the service you are not permitted to access;
• copy, scrape, resell, or systematically extract our content or data without our permission;
• interfere with, disrupt, or place undue load on the service or its infrastructure; or
• misuse the AI coach — for example to generate unlawful content or to attempt to circumvent its safeguards.

We may suspend or restrict access where we reasonably believe these terms are being broken.

Blooom is free to start. Blooom+ is an optional paid subscription that unlocks additional features. Paid subscriptions may not be live at all times; where they are, the following terms apply.

Pricing

Blooom+ is offered at £5.99 per month or £49.99 per year for one person.Prices are shown in the app before you subscribe, and payment is only taken when you actively choose to subscribe — we do not offer free trials that convert into paid subscriptions.

Cancelling and refunds

Subscriptions renew automatically at the end of each billing period (monthly or annually) at the then-current price, unless you cancel. Our full cancellation and refund policy is set out below; your statutory rights under the Consumer Contracts Regulations 2013 and the Consumer Rights Act 2015 always apply. To exercise a refund right, cancel in the app or contact us at tom@blooom.money.

Your first 14 days — full money back, no questions. If Blooom+ isn't for you, tell us within 14 days of subscribing and we'll refund the lot. You don't need a reason and there are no forms to fight through. (This is more generous than the law requires — the statutory cooling-off right allows us to deduct for days used; we don't.)

After 14 days — cancel anytime, keep what you paid for. Cancelling takes one tap and stops any future charge. You keep full Blooom+ access until the end of the period you've paid for — we don't cut you off early. We don't refund the remainder of a part-used period as a matter of course, because the subscription's value (daily-checked rates, Coming up, your Money Report) is delivered continuously across it.

We keep discretion to do the right thing. Life happens. If something exceptional is behind a late refund request — a billing error, an accidental renewal, a bereavement, a genuine mistake — tell us. We look at every case with a human eye, and where a refund is fair, we make it. Discretion means we decide case by case; it isn't a promise every request succeeds.

Annual renewals get their own 14 days. We email before every annual renewal. If a renewal goes through and you didn't mean it to, you have 14 days from the renewal charge for a full refund of it — same no-questions promise as day one.

Monthly plans. Cancelling stops your next monthly charge; access runs to the end of the current month. We don't part-refund a month in progress (it's at most £9.99 of exposure — the cap is the point of monthly).

Your statutory rights are never affected. If Blooom+ is faulty or isn't what we described, your rights under the Consumer Rights Act 2015 apply regardless of anything above.

Switching plans. Moving from Blooom+ to Household mid-period credits your unused solo time against the Household price (as promised on the pricing page). Downgrades take effect at the next renewal.

Price changes

We may change subscription prices from time to time. We will give you reasonable advance notice of any change before it applies to your renewal, so you can decide whether to continue or cancel before the new price takes effect.

Blooom links out to third-party providers and comparison partners. We are not responsible for the content, products, rates or terms of those third parties, and your dealings with them are governed by their own terms and privacy policies. Product rates and eligibility can change; always confirm the details with the provider before applying.

Affiliate disclosure. We may earn a commission from some of the links or products featured in Blooom if you go on to open an account. This never changes the rates you see, and never changes the order in which we rank or present options — we rank by rate, never by commission. You can read exactly how this works, and how we stay independent, on How we make money.

Blooom, the “Blooom” name and logo, and all content, software, designs and materials in the app are owned by Blooom Ltd or our licensors and are protected by intellectual property laws. We grant you a personal, non-exclusive, non-transferable, revocable licence to use Blooom for your own personal, non-commercial use in accordance with these terms. You may not copy, modify, distribute, or create derivative works from our content without our prior written permission.

Blooom is provided on an “as is” and “as available” basis. While we work hard to keep the service accurate and available, we do not guarantee that it will be uninterrupted, error-free, or that the information (including third-party rates and figures) is complete or current at all times.

As set out above, Blooom provides information and guidance, not regulated advice, and illustrative figures are not guarantees. To the fullest extent permitted by law, we are not liable for any loss arising from decisions you make based on information in the app, or from your reliance on illustrative figures or third-party products.

Nothing in these terms limits or excludes our liability where it would be unlawful to do so — including liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded under England and Wales law. Subject to that, and to the extent permitted by law, we are not liable for indirect or consequential loss, and our total liability to you is limited to the amount you have paid us (if any) in the 12 months before the claim.

Nothing in these terms affects your statutory rights as a consumer.

We may update these terms from time to time — for example to reflect changes to the service, the law, or regulatory requirements. Where changes are material, we will give you reasonable notice (for example in-app or by email). Continuing to use Blooom after changes take effect means you accept the updated terms. The “last updated” date at the top of this page shows when they last changed.

You can stop using Blooom and close your account at any time from your account settings (which also lets you delete your data). We may suspend or terminate your access if you materially breach these terms, if required by law, or if we discontinue the service — in which case we will give you reasonable notice where practical. On termination, the licence granted to you ends; provisions that by their nature should survive (such as intellectual property and liability) continue to apply.

We want Blooom to work well for you. If something has gone wrong, please contact us at tom@blooom.money — including any legal enquiry — and we’ll do our best to put it right. For data protection and privacy matters, see our Privacy Policy.

These terms, and any dispute or claim arising out of or in connection with them, are governed by the laws of England and Wales, and are subject to the exclusive jurisdiction of the courts of England and Wales.