Last updated: September 2026
These Terms and Conditions (“Terms”) govern your access to and use of Eleri, including its website, financial dashboard, financial profile, calculations, planning tools, conversational features, Premium features and other services made available through the platform (collectively, the “Service”).
The Service is provided by Eleri Group Limited (“Eleri”, “we”, “us” or “our”), a company registered in Malta under company registration number C 117273, with its registered office at 168 Triq San Kristofru, Valletta, VLT 1467, Malta.
By creating an account or using the Service, you agree to these Terms.
If you do not agree to these Terms, you should not create an account or continue using the Service.
You must be at least 18 years old to create an Eleri account or use the Service.
You must provide accurate information when creating and maintaining your account.
You are responsible for keeping your login credentials confidential and for taking reasonable steps to prevent unauthorised access to your account.
If you believe your account has been accessed without your permission, please contact us at privacy@eleriapp.com.
Eleri is a financial information and planning software platform.
Depending on the features available to you, Eleri may allow you to:
Features may differ between Free and Premium accounts and may change as the Service develops.
Eleri relies on information that you provide.
You are responsible for ensuring, to the best of your knowledge, that the financial information you enter is accurate, complete and reasonably up to date.
Results, calculations and conversational responses may be affected by inaccurate, incomplete or outdated information.
Your financial circumstances may change over time. You should update your financial profile when relevant information changes if you want Eleri's calculations and other features to reflect your current situation.
Eleri is not a bank, lender, credit institution, investment firm, financial advisor or other regulated financial services provider.
Eleri does not provide regulated financial, investment, lending, credit, debt, mortgage, tax or legal advice.
Information, calculations, indicators, scenarios and conversational responses provided through Eleri are intended to help you understand your financial information and explore possible options.
Eleri does not make financial decisions on your behalf.
You remain responsible for deciding whether to take any financial action, enter into a financial product or agreement, borrow money, invest, change an existing financial arrangement, or act on information provided through the Service.
Where appropriate, you should obtain professional advice before making a significant financial, legal, tax or investment decision.
Eleri uses software logic and structured financial information to generate calculations and indicators.
These may include, depending on available features, debt ratios, mortgage eligibility, affordability calculations, financial risk indicators, living-cost comparisons and other financial information.
These calculations depend on the information available to Eleri and the assumptions, rules and parameters used by the Service.
Results should not be interpreted as a guarantee that a bank, lender, financial institution or other third party will make the same assessment or approve a particular product, loan, mortgage or application.
Actual eligibility, affordability and lending decisions may depend on additional information, individual provider criteria, credit history, regulatory requirements and other factors that Eleri does not control.
The Eleri Risk Score is an internal Eleri indicator. It is not a credit score, is not issued by a credit bureau or lender, and does not determine whether a lender will approve an application.
Eleri uses artificial intelligence and large language model technology to provide conversational functionality.
AI-generated responses may occasionally be incomplete, inaccurate or inappropriate for a particular situation. You should consider conversational responses together with the financial information and calculations available within Eleri and your own circumstances.
Eleri's financial calculations are generated through the Service's structured financial logic. The conversational AI uses available financial information and calculated results to help explain and discuss your situation.
You should not use conversational responses as a substitute for professional advice where professional advice is appropriate.
Eleri may offer both Free and Premium access.
The features included in each plan are displayed on the Eleri website or within the Service and may be updated from time to time.
Free access may include a financial dashboard and a limited number of AI conversations.
Premium provides additional features, which may include unlimited AI conversations, additional dashboard and planning functionality, budgeting and spending tools, saving goals and supported document uploads.
The current price, billing period and features of Premium will be shown before you purchase a subscription.
Premium is a paid subscription service.
The applicable subscription price, billing period and any applicable taxes or charges will be displayed before you complete your purchase.
Payments are processed through a third-party payment provider.
By purchasing Premium, you authorise the applicable subscription payment to be charged using the payment method you provide to the payment processor.
Unless otherwise stated when you purchase your subscription, Premium subscriptions renew automatically for the selected billing period until cancelled.
You may cancel future renewal of your Premium subscription using the cancellation options made available through the Service.
Cancellation prevents future renewal but does not normally terminate access to Premium immediately. Unless otherwise required by applicable law, Premium access will continue until the end of the billing period already paid for.
Nothing in these Terms limits any mandatory consumer rights that apply to you under applicable law.
If you use Eleri as a consumer, you may have statutory rights under applicable consumer protection law, including rights relating to digital services.
Nothing in these Terms excludes, restricts or overrides rights that cannot lawfully be excluded or restricted.
Where applicable law gives you rights or remedies relating to the supply, conformity, performance, modification or termination of a digital service, those statutory rights continue to apply.
Any applicable right of withdrawal, cancellation, price reduction, termination or refund will be handled in accordance with applicable consumer law and the circumstances of the purchase.
Where document-upload functionality is available, you may upload supported documents for use with relevant Eleri features.
You must only upload documents that:
You remain responsible for the documents and information you choose to upload.
Eleri may impose restrictions on supported file types, sizes or document categories and may reject or remove files that cannot be processed safely or appropriately.
You must use Eleri lawfully and responsibly.
You must not:
We may restrict or suspend access where reasonably necessary to protect Eleri, our users, our systems or third parties.
The Service, including its software, design, branding, interfaces, original content, financial models, software logic and other proprietary materials, is owned by or licensed to Eleri Group Limited and is protected by applicable intellectual property laws.
“Eleri”, associated branding and Eleri's original visual and product materials may not be copied, reproduced or used in a manner that suggests an association with or endorsement by Eleri without permission.
Your use of the Service does not transfer ownership of Eleri's intellectual property to you.
You retain ownership of information and documents that you provide to Eleri.
You grant Eleri the limited rights necessary to process that information and those documents for the purpose of providing, operating and securing the Service in accordance with these Terms and our Privacy Policy.
We aim to keep Eleri available and functioning reliably, but uninterrupted or error-free availability cannot be guaranteed.
The Service may occasionally be unavailable because of maintenance, technical problems, security requirements, third-party infrastructure, updates or circumstances outside our reasonable control.
We may update, improve, add, modify or discontinue features as Eleri develops, including where reasonably necessary to improve functionality or security, comply with legal or regulatory requirements, adapt to technical developments, or maintain the operation of the Service.
Where a change materially affects a paid digital service or your statutory rights, we will provide information or notice where required by applicable law.
You may stop using Eleri at any time.
We may suspend or restrict an account where reasonably necessary, including where we reasonably believe that:
Where appropriate and reasonably possible, we may provide notice or an opportunity to resolve the issue.
We may terminate an account where a serious or repeated breach cannot reasonably be resolved.
Any mandatory rights you have under applicable consumer law remain unaffected.
You may request deletion of your Eleri account.
The handling of personal data following account deletion, including information that may need to be retained for legal, regulatory, accounting, security or other lawful purposes, is described in our Privacy Policy.
Privacy and data-protection requests can be sent to privacy@eleriapp.com.
Eleri relies on third-party services and technology to operate parts of the Service. These may include payment processing, cloud infrastructure, artificial intelligence services, authentication, communications and other technical services.
Your use of certain third-party services may also be subject to terms or policies provided by those third parties where applicable.
Eleri is not responsible for third-party websites or services that are outside our control.
Eleri is provided using reasonable care and skill and subject to the rights and protections that apply under applicable law.
Eleri depends on user-provided information, software, third-party technology and AI-powered functionality. We cannot guarantee that every response, feature or part of the Service will always be uninterrupted, error-free or suitable for every individual circumstance.
Financial calculations and indicators are based on the information provided to Eleri and the assumptions and parameters applicable to the relevant feature. They should not be treated as guarantees of outcomes or decisions by third parties.
Nothing in these Terms excludes any warranty, guarantee or statutory right that cannot lawfully be excluded.
Nothing in these Terms excludes or limits liability where doing so would be unlawful, including liability that cannot be excluded or restricted under applicable consumer protection law.
To the extent permitted by applicable law, Eleri Group Limited will not be responsible for losses that are not reasonably foreseeable or that result from circumstances outside our reasonable control.
Eleri is not responsible for financial decisions made by banks, lenders, credit providers or other third parties, including decisions concerning loans, mortgages, credit applications, interest rates or product eligibility.
Eleri is also not responsible for losses resulting from inaccurate, incomplete or outdated information supplied by a user, except to the extent that responsibility cannot lawfully be excluded.
Your mandatory statutory rights remain unaffected.
Our processing of personal data is governed by our Privacy Policy.
The Privacy Policy explains what personal data we process, why we process it, how it may be shared or retained, and your data-protection rights.
We may update these Terms where reasonably necessary, including to reflect changes to Eleri, legal or regulatory requirements, security requirements, technical developments or the features and services we provide.
The “Last updated” date at the top of these Terms shows when they were most recently revised.
Where a change materially affects your rights or your use of a paid Service, we will provide information or notice where required by applicable law.
Changes to these Terms do not remove statutory rights that you have under applicable law.
These Terms are governed by the laws of Malta.
If you are a consumer residing in another country, you may also benefit from mandatory consumer protections available to you under the law applicable to your circumstances.
Nothing in these Terms is intended to deprive a consumer of mandatory protections that cannot lawfully be excluded by choosing Maltese law.
Any dispute will be subject to the jurisdiction determined under applicable law.
Eleri is not an emergency, crisis, medical or mental health service.
If you are in immediate danger or experiencing an emergency, contact the appropriate emergency service in your location.
Eleri should not be used as a substitute for professional emergency, medical or mental health support.
For questions about these Terms, contact:
Eleri Group Limited
Company Registration Number: C 117273
168 Triq San Kristofru
Valletta, VLT 1467
Malta