Ember

Terms of Service

Last updated: 2 July 2026 · Version 1

1. Who we are

Ember (the “service”) is a financial-independence modelling and tracking tool operated by Planespoken Ltd, a company registered in England and Wales (company number 11084007) with its registered office at 1 Craftsman Square, Temple Farm Industrial Estate, Southend-on-Sea, England, SS2 5RH (“we”, “us”). Contact: [email protected].

By creating an account you agree to these terms, the Privacy Policy, the Cookie Policy and the Financial Disclaimer. The disclaimer is part of these terms: Ember is not financial advice.

2. Not financial advice

Ember produces projections, simulations and illustrations from figures and assumptions you enter. Nothing in the service — FIRE dates, safe-withdrawal calculations, Monte Carlo simulations, debt strategies, AI-generated insights, reports, or anything else — is financial, investment, tax, pension or legal advice, an offer, or a recommendation to buy, sell or hold anything. Planespoken Ltd is not authorised or regulated by the Financial Conduct Authority and does not carry on regulated activities. Your financial decisions are yours alone; before acting, consult a qualified, regulated adviser.

3. Your account

  • You must provide accurate signup details and keep your credentials and two-factor backup codes secure. Two-factor authentication is mandatory.
  • One person per account; you are responsible for activity under your account.
  • You must be at least 18 and able to form a binding contract.

4. Plans, trial and billing

  • New accounts start with a 72-hour full-access trial (report downloads excluded). Afterwards your account continues on the free Spark tier — it never locks.
  • Spark is free. Ember and Blaze are paid tiers. Current prices and inclusions are shown on your account page and the pricing page.
  • Paid subscriptions (processed by Stripe once payments launch) renew monthly or annually until cancelled. You can cancel any time; access continues to the end of the paid period. Statutory consumer rights — including any applicable cooling-off rights — are unaffected.
  • We may change prices or feature allocation with at least 30 days’ notice; changes apply from your next renewal.

5. Market data and third-party services

Prices, exchange rates and other market data come from external providers (including Twelve Data and our FX provider). We do not guarantee that any instrument is covered, or that data is accurate, complete, current or available — feeds can be delayed, limited or interrupted, and quotas may apply by tier. Market data is provided for information only and is not investment research.

6. AI features

Insight and chat features use third-party large language models (Anthropic Claude; higher tiers use a more capable model). AI output can be incomplete, out of date or simply wrong, is descriptive rather than advisory, and must not be relied on without verification. Monthly usage allowances apply by tier.

Fair use. Included AI (using our API keys) is subject to fair-use limits set by tier — a monthly cap on the number of AI calls and on the underlying usage cost. These limits keep the service sustainable, are shown in-app, and may be adjusted with reasonable notice. When you reach a limit, the included AI pauses until the start of the next monthly period; you can buy AI credits to continue sooner.

We may monitor AI usage for sustainability and abuse. Excessive, automated, bulk or out-of-scope use — or attempts to circumvent these limits — may result in your AI usage being throttled or paused, your access to AI features being disabled at the account level, and, for continued or serious breach, suspension or termination of your account or subscription under sections 7 and 11. Where practicable we will contact you first.

7. Acceptable use

  • No attempts to access other tenants’ data, probe or overload the service, or bypass tier, quota or security controls.
  • No unlawful use, and no reselling the service without our written agreement.
  • No automated, bulk or abusive use of the AI features, and no attempts to circumvent AI usage or cost limits.
  • Use of the AI features must also comply with our AI provider’s usage policy — no unlawful, harmful or deceptive use.

We may suspend accounts that breach these rules.

8. Your data

Your financial data is yours. We claim no ownership; we process it only to run the service (see the Privacy Policy). You can export or permanently delete it at any time.

9. Service availability

We aim for high availability but provide the service “as is” and “as available”, without warranty of uninterrupted or error-free operation. We may change, suspend or discontinue features with reasonable notice. Back up anything you cannot afford to lose using the export feature.

10. Liability

Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited — including for death or personal injury caused by our negligence, or for fraud — and nothing affects your statutory rights as a consumer.

Subject to that:

  • We are not liable for financial, investment, trading or tax losses arising from decisions you make using Ember’s projections, simulations, insights or data — the service is an information tool and its outputs depend on your inputs and assumptions (see the Disclaimer).
  • We are not liable for indirect or consequential loss, loss of profit, or loss of data you could have exported.
  • Our total aggregate liability arising out of or in connection with the service is limited to the subscription fees you paid us for the one month immediately before the event giving rise to the claim.

11. Ending the agreement

You can stop using Ember and delete your account at any time (Settings → Danger zone). We may terminate accounts for breach of these terms, with notice where practicable. On deletion, your data is erased as described in the Privacy Policy.

12. Changes to these terms

When we change these terms materially we will show you the updated version in-app and ask you to accept it before continuing; the version and date you accepted are recorded on your account.

13. Governing law

These terms are governed by UK law (as it applies in England and Wales), and the UK courts have jurisdiction — except that if you are a consumer elsewhere, you keep any protection and forum granted by the mandatory rules of your country of residence.