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Last updated: 16 August 2026

Terms of service

The agreement

These terms are a contract between you and equy LTD, a private limited company registered in England and Wales (company number 17347459) and trading as equy.ai ("equy", "we"). You accept them when you create an account — by ticking the box on the sign-up form or by continuing with Google. They're written in plain English.

Early access

equy is young. Features may change, and occasionally things may break — we'll do our best to warn you first and to never lose your data.

Access and plans

Creating an account is free and always will be. Access to the property dashboard depends on the plan your account holds, and an account starts with none.

There are two plans. Lite is £9 per month and Investor is £19 per month, or £190 for a year — all including VAT if we ever become VAT-registered. The price you'll pay is always shown before you buy, and nothing is ever charged without you choosing a plan and entering payment details yourself. You can move between plans at any time from Settings → Billing.

We can also grant access by hand — a beta comp, a lifetime account, or goodwill. Access granted that way is complimentary, has no fee attached, and we may end it with reasonable notice by email.

Your free trial

The Lite plan starts with a 14-day free trial.

  • We take your card details when you start it. Nothing is charged during the trial.
  • When the 14 days end, the subscription starts automatically and your card is charged £9 per month until you cancel.
  • Cancel before the trial ends and you are not charged at all. You can cancel at any time from Settings → Billing, which takes you to our payment provider's portal.
  • One free trial per account.

We'll only offer you a trial where the plan you're buying has one; if it doesn't, the subscription and the charging start immediately.

Paying, renewing and cancelling

Subscriptions are billed in advance for the period you chose — monthly, or for the year on an annual plan — and renew automatically on the same period until you cancel. You cancel from Settings → Billing.

What cancelling does depends on where you are. If you cancel during a free trial, the trial ends and you are never charged. If you cancel a subscription you have already paid for, it runs to the end of the period you've paid for — the month, or the year on an annual plan — and then stops. We don't refund part-periods, and you keep your access until that date.

If a payment fails we'll retry it over the following days and email you; your access continues while we do. If it still hasn't succeeded at the end of that window the subscription ends. You can update your card at any time in the same billing portal.

Your data isn't deleted when a subscription ends — your account stays, and you can still export everything or delete it yourself. You just lose access to the dashboard until you subscribe again.

If we change the price we'll tell you by email first, with at least 30 days' notice, and you can cancel before it takes effect.

Payments are handled by Stripe, not by us: card details are entered on Stripe's pages and we never see or store them. What we keep is described in the privacy policy.

Who can use equy

You must be 18 or older to create an account, and you must give us accurate account information. One person per account; you're responsible for keeping your sign-in credentials safe and for what happens under your account.

Not financial advice

equy is an information tool. The figures it derives — LTV, equity, yield, cash flow, stress headroom — are calculated from the data you enter and are provided for information only. Nothing in the product is financial, tax, investment or legal advice, and we are not authorised or regulated by the Financial Conduct Authority. Speak to a qualified adviser before making decisions about your properties or mortgages.

Your data

The data you put into equy is yours; we only use it to run the product for you (see the privacy policy). You can export everything as JSON, or delete your account and all of its data, at any time under Settings → Data & privacy. Deleting asks you to confirm your password first; if you only ever sign in with Google, email us and we'll do it for you. You're responsible for the accuracy of what you enter; the derived figures are only as good as the inputs.

Personal data you enter about other people

Some of what you put into equy is about someone else — your tenants' names, email addresses and phone numbers; tenancy dates, terms and deposit details; and documents you upload that mention other people. For all of that, you are the data controller and equy is your processor: we hold and process it only to provide the service to you, and only on your instructions. This section sets out what that means and what we're contractually bound to, so there's no separate agreement to sign.

What we process, and why. The subject matter is running the property-management side of equy on your behalf, for as long as your account holds the data (its duration). The nature of the processing is storing it, showing it back to you, and — for documents you submit through the guided add flow — automatically reading them to propose values for you to confirm (see Documents you upload, below). The purpose is solely to run equy for you: nothing here is used for anything else, including training any model. The personal data involved is whatever you choose to enter or upload about someone else — typically names, contact details, tenancy and financial terms, and the contents of documents like tenancy agreements, certificates and correspondence — concerning your tenants, guarantors, referees, and anyone else named in what you type or upload.

What we're bound to do with it. For this data, we will:

  • process it only on your documented instructions, including never transferring it anywhere except as this section and the privacy policy describe;
  • make sure everyone on our side who can access it is under a duty of confidentiality;
  • keep it secure with technical and organisational measures appropriate to the risk — encryption in transit everywhere, encryption at rest for uploaded files, and access limited to what running the service requires;
  • only bring in another company to help us handle it (a sub-processor) with your authorisation, on the terms set out below, and hold that sub-processor to the same standard we hold ourselves to;
  • help you respond to a request from one of your tenants about their own data — access, correction or deletion — to the extent we're able to, since we hold it but you're the one they'd normally ask;
  • help you meet your own security, breach-notification and impact-assessment obligations where they touch data we process for you, including telling you without undue delay if we become aware of a breach affecting it;
  • delete or return this data when you delete your account, delete the record it belongs to, or discard it, as described in the privacy policy's retention section; and
  • give you the information you reasonably need to check we're doing all of the above, and make ourselves available for an audit — email support@equy.ai to arrange one.

Sub-processors. We use other companies to help us provide the service, and by using equy you authorise us to engage them for this purpose, on the condition that each is held to data-protection terms at least as strong as this section. For this data specifically, that's DigitalOcean, which stores it on our behalf — our database and file storage, both in the UK (see the privacy policy for the full processor list and where each one operates). If we ever add or change a sub-processor that would process this kind of data, we'll update the privacy policy and tell you first, so you can raise an objection before it takes effect — the route we're using for the AI-assisted document reading described below, ahead of that feature going live for anyone.

Documents you upload

You can upload documents to file against your portfolio, and you're responsible for what you upload. You must have the right to upload each file, and — where a file contains other people's personal data, such as your tenants' — a lawful basis to hold it and to have us store it for you. What that means for us contractually is the section above, "Personal data you enter about other people": the same terms apply to documents as to anything you type in directly, and keeping the people they're about informed remains your responsibility as their landlord.

If you use the guided add flow to read a document automatically, equy sends that file's content to a third-party AI model to propose values back to you — nothing from it is saved as fact until you confirm it yourself. That model provider, Anthropic, becomes a sub-processor under the terms above for that one call once the feature is live: it reads the document to answer, holds it under its own security and confidentiality commitments, and does not use it to train its models. This is covered by the sub-processor authorisation above, and we'll name it in the privacy policy — with its US transfer and the safeguard we rely on — before the feature is switched on for anyone.

Don't upload anything unlawful, malicious, or that infringes someone else's rights, and don't upload files you know to contain viruses or other harmful code. Reasonable storage limits apply (currently 10 GB per account); we may introduce or adjust limits with notice. We don't routinely monitor what you upload, but we may remove content or suspend access where it breaks these terms or the law.

Acceptable use

Don't attempt to break, overload, probe or reverse-engineer the service, access other users' data, or use equy for anything unlawful. We may suspend or terminate accounts that do.

Ending the agreement

You can end it at any time by cancelling your subscription (Settings → Billing) or by deleting your account, which removes your data as described in the privacy policy. We can suspend or terminate accounts that break these terms. If we ever discontinue the service, or withdraw complimentary access we've granted, we'll give you reasonable notice by email so you can export your data first — and we'll refund any period you've paid for and won't receive.

Your right to change your mind

If you're a consumer buying at a distance you normally have 14 days to change your mind. By subscribing you're asking us to start the service straight away, and once we have you lose that automatic right to cancel and be refunded for a service already delivered. In practice it makes little difference: Lite starts with a 14-day free trial you can cancel at any point without paying anything, and on any plan you can cancel whenever you like. If you think you've been charged for something you never used, email support@equy.ai — we'd rather sort it out than argue about it.

Liability

equy is provided "as is" and without warranty of any kind, beyond the statutory rights you have as a consumer — including that a service be supplied with reasonable care and skill. Our total liability to you for any claim is limited to the greater of £100 and the fees you paid us in the 12 months before it arose. Nothing in these terms excludes or limits liability that can't lawfully be excluded, including for death or personal injury caused by negligence, or fraud. Nothing in these terms affects your statutory rights as a consumer.

Governing law

These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction — though if you live in Scotland or Northern Ireland you can also bring proceedings in your local courts.

Changes to these terms

If we change these terms in a way that matters — including introducing pricing — we'll give you notice by email and ask you to re-accept in the app before the change applies to you. Questions about any of this: support@equy.ai.