Terms

These terms are between you and Maxed Labs Ltd, which provides Plenence.

Guidance, not advice

Plenence is not authorised by the Financial Conduct Authority. It gives guidance and modelling, not regulated financial advice. For free impartial guidance, use MoneyHelper or, if you are 50 or over with a defined contribution pension, Pension Wise. Plenence does not recommend specific products, funds, providers or transactions and does not arrange or execute anything. Figures are estimates from the inputs you give and the stated assumptions; check them, and take regulated advice before acting where the stakes are high, and always before transferring safeguarded pension benefits.

Your information

You are responsible for the accuracy of what you upload and confirm. Extracted figures are marked unconfirmed until you confirm them.

Plenence Pro

Pro is billed in advance, monthly or annually, at 0.15% a year of your monitored assets (minimum £120, maximum £1,500 a year). The quantity is set from your confirmed picture at checkout and re-checked before each renewal. You can cancel any time from Account; Pro continues to the end of the paid period.

API

API use beyond the free allowance is billed monthly in arrears per call. Do not use the API to present outputs as regulated advice.

Liability

We take care to keep the rules dataset accurate and cite every source, but we are not liable for decisions you make using Plenence, except where the law does not allow us to limit liability. These terms are governed by the law of England and Wales.

Last updated 6 October 2026.