These terms govern your use of Duolign, an app operated by JeffNet Ltd (company no. 16842612), a company registered in England & Wales, registered office 73 Balmoral Drive, Southport, PR9 8QH. By creating a household or joining one, you agree to them. If you don't agree, please don't use the app.

1. What Duolign is

Duolign helps two people who share a household coordinate their money: seeing accounts in one place, splitting shared costs, planning debt payoff, and running a monthly transfer checklist. You add your financial information yourself, by entering it or uploading bank statements. Duolign is not a bank, does not hold client money, and cannot move money on your behalf — every transfer described in the app is one you make yourself, in your own banking app.

2. Who can use it

You must be 18 or over, resident in the UK, and able to form a binding contract. Duolign is designed for a two-person household; each household has exactly two members.

3. The service

Duolign is a new service and we're improving it all the time. Features may change, be added or be removed, and while we work to keep it running smoothly, we can't guarantee any particular level of uptime or availability. We'll give reasonable notice before any change that affects your existing data. You can send us feedback any time from Settings, and we may use it to improve Duolign.

4. Your account & device security

You're responsible for keeping your device and login secure — use a real PIN or biometric lock, and tell us immediately at support@duolign.co.uk if you believe your account has been accessed without your permission.

5. Reading statements automatically

When you upload a bank statement, Duolign reads it automatically — using exact, rule-based parsing for some banks, or an AI model we run ourselves, on servers within the EEA, for every other bank (see our Privacy Policy for how that works and what's done to keep it safe). Like any automated process, it can occasionally misread something; review what's imported the same way you'd review any other figure in the app before relying on it.

6. Not financial advice

Duolign's projections, debt-payoff estimates, and what-if scenarios are calculations based on the information you provide and your recent transaction history. They are estimates, not advice, and not a guarantee of any outcome. For financial advice specific to your circumstances, speak to a qualified, FCA-regulated financial adviser.

7. Acceptable use

You agree not to:

• use Duolign for any unlawful purpose, or to access data belonging to a household you're not a member of;
• attempt to reverse-engineer, decompile, or interfere with the app or its infrastructure;
• use automated means to access the service outside the app itself.

8. Intellectual property

Duolign, its name, logo, and the app itself are owned by JeffNet Ltd. Your own data — your household's financial information — remains yours; using the service does not transfer any ownership of it to us.

9. Ending your use of the service

You can leave at any time — Settings → delete this household or delete my account schedules the relevant data for permanent deletion 30 days later, fully reversible by cancelling from the same screen any time before then (see our Privacy Policy for exactly what that covers), or use our Delete My Data form if you don't have the app installed. We may suspend or end your access for breach of these terms or for misuse, or if we stop offering Duolign, and will give reasonable notice where we reasonably can.

10. Liability

Nothing in these terms limits liability where the law does not allow it (for example, death or personal injury caused by our negligence, or fraud). Subject to that, Duolign is provided "as is", and we are not liable for indirect or consequential losses, or for decisions you make based on the app's projections. Our total liability to you for any claim is limited to the fees you've paid us in the preceding 12 months.

11. Changes to these terms

We may update these terms from time to time; we'll update the date above and, for material changes, tell you in-app.

12. Governing law

These terms are governed by the law of England & Wales, and the courts of England & Wales have exclusive jurisdiction over any dispute.

13. Contact

JeffNet Ltd · support@duolign.co.uk