Fair terms, simply put.

1. About BillLuma

BillLuma is an AI-powered energy bill analysis tool. You upload your energy bill — as a PDF or photo — and we read it, explain what it means in plain English, and show you how your usage compares to similar homes.

BillLuma is currently operated by Gaurav Srivastava, a sole trader trading as BillLuma. Later in 2026 we plan to incorporate as BillLuma Ltd, a UK limited company. These terms will be updated when that happens and you’ll be notified by email if you’re on our list.

By using BillLuma you’re agreeing to these terms. If you don’t agree, please don’t use the service.

2. Who can use it

You can use BillLuma if:

• You’re a UK resident aged 18 or over.
• You’re using the service for personal, household purposes — not commercial data scraping or resale.
• The bill you’re uploading belongs to you, or you have the account holder’s permission to upload it on their behalf.

BillLuma is not intended for use outside the UK. We can’t guarantee that the benchmarks or tariff data we show are accurate for households outside England, Scotland, Wales, or Northern Ireland.

3. What we provide

BillLuma gives you:

• A plain-English explanation of your energy bill — what each charge is and what it means.
• A usage benchmark comparing your consumption to similar homes in your area.
• An indication of potential savings based on publicly available tariff data — shown as a specific estimate, not a guarantee.
• Where relevant, links to energy suppliers so you can switch if you’d like to.

The service is provided free of charge. We don’t charge you for an upload, an analysis, or a result.

4. What we don’t provide

Specifically, we do not provide:

• Regulated financial advice — we’re not authorised or regulated by the Financial Conduct Authority (FCA).
• A guarantee of savings — actual savings depend on your usage, your supplier’s terms, and future price cap changes, all of which we can’t control.
• Legal advice — if you have a dispute with your energy supplier, we’d suggest contacting the Energy Ombudsman or Citizens Advice.
• A guaranteed comparison of every available tariff — our data covers the major suppliers but may not include every deal on the market at any given time.

Before making any decision to switch supplier, we’d encourage you to verify the tariff details directly with the supplier.

5. Uploading your bill

When you upload a bill, you confirm that:

• The bill belongs to you, or you have the account holder’s explicit permission to upload it.
• You’re not uploading a bill on behalf of a third party for commercial purposes.
• You understand that the bill is processed by an AI system and deleted within seconds — it is never stored on disk.

We accept bills in PDF, JPG, and PNG format, up to 10 MB in size. If a bill fails to parse — because it’s blurry, incomplete, or from an unusual supplier — we’ll let you know and give you the option to enter the key figures manually.

6. Affiliate links and how we earn money

Here’s how it works in practice:

• When you click a “Switch” link, we send you to the supplier’s website (or an affiliate network’s switching journey) via a tracked link.
• If you complete a switch, we receive a commission — typically £30 to £50, paid by the supplier or via the affiliate network, not by you.
• Our commission is the same regardless of which supplier you choose. We don’t rank suppliers based on commission rates.
• Some deals we show may not have an affiliate link. We’ll always label these clearly — “no referral link” — so you know we earn nothing if you choose them.

We’re committed to showing you the most relevant deals for your situation, not the most profitable ones for us. If you ever think that’s not the case, please tell us.

7. Accuracy of results

We use an AI parser (Claude Haiku, made by Anthropic) to extract figures from your bill. It’s accurate for the vast majority of standard bills from the UK’s major suppliers. But it’s not perfect.

Results may be less reliable if:

• Your bill is from a smaller or regional supplier we haven’t tested extensively.
• Your bill is a photo rather than a PDF and the image quality is low.
• You’re on an unusual tariff — time-of-use, export, or electric vehicle rates, for example.
• Your bill spans an unusual period or includes a catch-up payment after estimated reads.

We’ll always show you the figures we extracted so you can check them. If anything looks wrong, you can correct it before seeing your result. The savings estimate is based on those figures — if the figures are off, the estimate will be too.

8. Availability

We aim to keep BillLuma running 24 hours a day, seven days a week. But we’re a small team running on lean infrastructure — we can’t guarantee that the service will always be available, error-free, or uninterrupted.

In particular, we don’t guarantee availability:

• During planned maintenance (we’ll try to do this at quiet times).
• During unplanned outages from our infrastructure providers (Vercel, Supabase, Anthropic).
• During periods of unexpectedly high traffic — for example, immediately after an Ofgem price cap announcement.

If BillLuma is unavailable at a critical time, we’re sorry. We’ll do our best to restore it quickly. You won’t be charged for downtime — because the service is free.

9. Your account

You don’t need an account to upload a bill and see a result. Accounts are optional — they let you track your bill history over time and receive price cap alerts.

If you create an account:

• Keep your login credentials secure. Don’t share them with anyone.
• Let us know immediately at hello@billluma.co.uk if you think your account has been accessed without your permission.
• You can delete your account and all associated data at any time from your account settings. We’ll confirm when everything’s been removed.

10. Acceptable use

BillLuma is a tool for UK households to understand their energy bills. Please don’t use it for anything else. Specifically, don’t:

• Upload bills that aren’t yours, or that you don’t have permission to share.
• Attempt to scrape, automate, or mass-upload bills using bots or scripts.
• Try to reverse-engineer, copy, or replicate any part of the service.
• Use the service in a way that puts undue load on our infrastructure or disrupts other users.
• Use BillLuma for any unlawful purpose.

We rate-limit uploads to five per hour and twenty per day from any one IP address. If you hit those limits and have a genuine reason to upload more, get in touch.

We reserve the right to suspend access to any user or IP address we believe is misusing the service — with or without notice, depending on the severity.

11. Intellectual property

Everything on BillLuma — the design, the copy, the code, the analysis methodology, the benchmark data — belongs to us. You’re welcome to share your results with others, quote from them, and use them for your own household decisions. You’re not permitted to reproduce or redistribute BillLuma’s content commercially without our written permission.

Your bill belongs to you. We don’t claim any rights over it. We process it, delete it, and that’s that.

12. Limitation of liability

To the fullest extent permitted by English law, BillLuma is not liable for:

• Any financial loss resulting from a decision to switch — or not switch — energy supplier based on our analysis.
• Inaccuracies in the figures we extract from your bill, or in the tariff data we use for comparison.
• Losses caused by the service being unavailable when you need it.
• Actions taken by energy suppliers after you switch through one of our affiliate links.

Nothing in these terms limits our liability for fraud, death or personal injury caused by our negligence, or any other liability that can’t be excluded under English law.

If something goes wrong and you think BillLuma is at fault, please contact us first. We’d rather sort it out directly than through formal channels.

13. Third-party sites

BillLuma links to energy suppliers and other external websites. Once you leave our site, we’re not responsible for what happens. The supplier’s own terms, pricing, and privacy policy apply from that point.

We choose the suppliers we link to based on what’s available through our affiliate networks, not based on any endorsement of their service. Check their Trustpilot reviews and Ofgem data before switching — we actually surface that information as part of our comparison to help you do exactly that.

14. Changes to these terms

We’ll update these terms when we need to — for example, when we add new features, incorporate as a limited company, or if something changes legally.

If we make a material change — one that meaningfully affects your rights or how we operate — we’ll email everyone on our list and post a notice on the site at least 30 days before it takes effect. You’ll always be able to see the previous version on request.

Continuing to use BillLuma after a change takes effect means you’re happy with the new terms. If you’re not, you can close your account and stop using the service — no hard feelings.

15. Governing law

These terms are governed by the law of England and Wales. Any disputes that can’t be resolved informally will be subject to the exclusive jurisdiction of the courts of England and Wales.

If you’re in Scotland or Northern Ireland, you also have the benefit of any mandatory legal protections that apply in your jurisdiction.

16. Contact us

If you have questions about these terms, think something’s wrong, or just want to tell us something, get in touch:

For energy billing disputes, the Energy Ombudsman handles complaints about suppliers at ombudsman-services.org. For broader consumer advice, Citizens Advice is available at citizensadvice.org.uk.