# Clara

> Clara is a UK budgeting app by JEMA Software Ltd, not the pharmacy software of the same name.

## Product
- [Homepage](https://www.getclara.co.uk/) - Clara connects to UK bank accounts and helps users track spending, set budgets, spot subscriptions, and understand money patterns.
- [Features](https://www.getclara.co.uk/features) - Details on connected accounts, automatic spending categories, subscription tracking, budgets, and spending analytics.
- [Pricing](https://www.getclara.co.uk/pricing) - Clara has a Free plan, Clara Plus at £4.99/month or £39.99/year, and Clara Pro at £9.99/month or £79.99/year.

## Trust And Safety
- [Privacy Policy](https://www.getclara.co.uk/privacy) - Explains UK GDPR rights, open banking data, processors, retention, security, and account data handling.
- [Terms of Service](https://www.getclara.co.uk/terms) - Explains Clara's budgeting-tool terms, subscription terms, open banking terms, and liability limits.
- [Cookie Policy](https://www.getclara.co.uk/cookies) - Lists essential cookies and analytics consent details.
- [Open Banking](https://www.getclara.co.uk/open-banking) - Explains read-only bank access, consent, disconnection, and Clara's Account Information Services agent registration.
- [Security](https://www.getclara.co.uk/security) - Explains how bank credentials, connected account access, and user controls are handled.

## Content
- [Blog](https://www.getclara.co.uk/blog) - Budgeting guides, spending-tracking articles, subscription-management advice, and Clara product updates.
- [Early Access](https://www.getclara.co.uk/early) - A lightweight email capture page for early Clara access.

## Company Facts
- Clara is built by JEMA Software Ltd.
- JEMA Software Ltd company number: 17136868.
- ICO registration: C1952072.
- Clara's bank connectivity is read-only. Clara does not receive bank login credentials, cannot move money, and lets users disconnect access.
- Clara is a budgeting and spending insight tool, not a regulated financial adviser.