Terms and Conditions

This Site is operated by Cleo AI Ltd ("we", "our", or "us"). We are registered in England under company number 09864205.

Please read these Terms carefully before you start using the Service as they will apply to your use of it. By using the Service, you confirm that you accept these Terms and agree to comply with them. If you do not accept these Terms, you may not use the Service. If we change these Terms and Conditions, we will post the revised document here with an updated effective date. If we make significant changes to these Terms and Conditions, we may also notify you by other means such as sending an email or posting a notice on our home page.

Information About Us

You can contact us at any time by emailing team@meetcleo.com

The Service

Cleo provides a personal finance information management service that allows you to consolidate and track your financial information (the "Service"). You must be over 18 years old and a resident of the United Kingdom to register and use the Service. The Service will allow you to:

  • upload details of your accounts maintained at third party sites ("Accounts"); and
  • access details of transactions and balances on Accounts.

Personal information will be used and processed in accordance with our Privacy and Cookies Policy.

By using Cleo you consent to both our terms and those of our third party provider Salt Edge, which can be found here.

Access To The Application

We shall not be liable if for any reason the Site is unavailable at any time or for any period. From time to time, we may restrict access to all or some parts of the Site to users who have registered with us. We reserve the right to restrict or deny you access to all or some parts of the Site if, in our opinion, you have failed to comply with these Website Terms. Only one registration per person is allowed.

User Information

Except for information that identifies you personally (e.g. your name, address, telephone number, email address and payment details), any material which you submit will be considered non-confidential and non-proprietary such that we shall have the right to use, copy, distribute and disclose it to third parties.


The material contained on the Site is for information purposes only and does not constitute advice. You should carry out your own check in respect of any information on the Site and use your own judgement before doing or not doing anything on the basis of what you see. The materials on the Site are provided "as is" and we give no warranties of any kind in relation to the materials on the Site.

Cancelling Your Account

You may cancel your user account at any time. Note, extended periods of inactivity may also result in cancellation or Account Information stored in the Service being made unavailable. To cancel your account email team@meetcleo.com with your primary email address.

Autosaving & P2P payments

By signing up to Cleo & enabling auto saving or P2P payments you will also be agreeing to Mangopay, our E Money providers terms and conditions. Click to view