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Pulse
by FinanceJoy
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Terms & Conditions

Last updated: 5 May 2026

1. Who we are

Pulse ("the Service") is operated by ClearOperations Ltd, a company registered in England & Wales, trading as FinanceJoy ("we", "us", "our"). By using the Service you ("you", "the user") enter into an agreement with ClearOperations Ltd.

2. Acceptance of these terms

By creating an account, signing in, or otherwise using the Service, you agree to be bound by these Terms. If you do not agree, you must not use the Service. If you are using the Service on behalf of a company or other organisation, you confirm that you have authority to bind that organisation to these Terms.

3. The Service

Pulse is a financial dashboard for UK company directors and accounting practices. It connects to your accounting software (such as Xero) to surface tax deadlines, cash, profit and loss, and dividend estimates. The Service is provided on a subscription basis.

4. Your account

You must provide accurate information when creating your account and keep it up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must be at least 18 years old to use the Service.

5. Acceptable use

You must not:

  • use the Service for any unlawful, fraudulent, or abusive purpose;
  • infringe the intellectual property rights of others;
  • upload malware, attempt to probe, scan, or breach security measures, or interfere with the integrity or performance of the Service;
  • scrape, copy, or resell the Service or its data;
  • reverse engineer, decompile, or attempt to extract source code, except to the extent permitted by law.

5a. Plan use restrictions

Each subscription plan is licensed for a specific use case and you must use the plan that matches how you use the Service:

  • Director plan — for company directors managing their own company or companies. It must not be used to manage finances on behalf of third-party clients, act as an outsourced finance function, or provide accounting services to others.
  • Practice plans (Starter, Growth, Scale) — for accounting practices, bookkeepers, fractional finance teams, and similar providers managing clients on behalf of others. The applicable plan must reflect the number of client companies you manage.

We may, at our sole discretion, require you to upgrade to an appropriate plan, suspend access to features that exceed your plan's intended use, or terminate your subscription if we determine that your use of the Service is materially inconsistent with the plan you have purchased.

6. Intellectual property

We retain all right, title, and interest in and to the Service, including all software, documentation, branding, and underlying technology. We grant you a limited, non-exclusive, non-transferable right to use the Service in accordance with your subscription plan.

7. Your content

You retain ownership of any data you provide or that we receive on your behalf from connected accounting systems. You grant us a limited licence to host, process, and display that data solely to provide the Service to you.

8. Payments, billing, and subscriptions

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns. Payment, billing, tax, cancellation, and refund mechanics are governed by Paddle's Buyer Terms. Subscriptions renew automatically at the end of each billing period unless cancelled.

9. Refunds

See our Refund Policy. We offer a 30-day money-back guarantee.

10. Service availability

We work hard to keep the Service running smoothly, but we do not guarantee that it will be uninterrupted, error-free, or always available. We may suspend the Service for maintenance, upgrades, or for security reasons.

11. Suspension and termination

We may suspend or terminate your access to the Service if you materially breach these Terms, fail to pay fees when due, present a security or fraud risk, or repeatedly violate our policies. You may cancel your subscription at any time via the billing portal. On termination you will be able to export your data for a reasonable period, after which we may delete it.

12. Warranties and disclaimers

The Service is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement. Pulse displays financial estimates and summaries — it is not a substitute for advice from a qualified accountant or tax adviser, and you remain responsible for your own filings and decisions.

13. Liability

To the fullest extent permitted by law, our aggregate liability arising out of or in connection with these Terms or the Service is capped at the fees you paid us in the 12 months preceding the event giving rise to the claim. We exclude liability for indirect, consequential, or special damages, including loss of profits, data, or goodwill. Nothing in these Terms limits liability for fraud, death, or personal injury caused by negligence, or any other liability that cannot be limited by law.

14. Indemnity

You agree to indemnify and hold us harmless from any claims, losses, or expenses arising from your content, your unlawful use of the Service, or your breach of these Terms.

15. Changes to these Terms

We may update these Terms from time to time. If changes are material, we will notify you by email or in-app. Continued use of the Service after changes take effect constitutes acceptance.

16. Governing law

These Terms are governed by the laws of England & Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England & Wales.

17. Contact

Questions? Email us at support@financejoy.co.uk.