No. Peasy never sends your bank statements, account numbers or personal spending to external AI models. Your Financial Health Score and personal insights are calculated using our own private, deterministic mathematical engine. Peasy uses speech technology solely to read out practical steps, keeping your financial evidence encrypted and strictly confidential on UK servers.

Never. Peasy connects to your banks using official, regulated UK Open Banking through TrueLayer. This connection is strictly read only. Peasy cannot make payments, transfer money, adjust overdrafts, or alter your bank accounts in any way.

Credit scores are built for lenders to decide how much high interest debt they can sell you. Peasy is built entirely for you. Rather than judging whether you can service loans, our Financial Health Score measures your genuine resilience across cashflow, emergency savings, debt management, protection, and long term investments. You get one honest, clear score from 0 to 1,000 that rewards real financial progress.

No. We never sell your personal financial records, statements or contact details to brokers, lenders or marketing companies. Our business model is focused on building independent technology. Even if financial institutions license Peasy’s scoring methodology in the future, your personal identity and individual accounts remain private and will never be shared.

Never. Your account balances, transaction history, salary, and savings are 100% private to you. When you connect with friends on Peasy, they can only see the friendly social details you choose to share, such as your profile colour, earned badges, and your progress in monthly Head to Head challenges. You can even set your overall score to Private whenever you wish.

The Financial Health Score by Peasy is a standardised measure of financial health. Built using established financial health research and benchmarked against UK financial data, it provides a consistent way to assess, compare and improve financial health. Unlike traditional measures such as income, net worth or credit scores, the Financial Health Score developed by Peasy looks at the full picture, combining cashflow, resilience, debt, wealth and future financial position into a single score. The result is a clear, objective measure of financial health that helps people understand where they stand, compare against the wider UK population and know exactly what to do next.