About Padlock

Your independent household bill watchdog.

Padlock was created to solve a universal household problem: bill confusion and silent price inflation. We track what you pay, spot savings you are missing, and help you keep more of your money.

Our Mission

Making household bills clear, fair, and effortless.

Most households pay hundreds of pounds more each year simply because monitoring renewal dates and standard variable tariffs requires constant vigilance.

Padlock acts as a continuous financial watchdog. By reading your bills, tracking contract terms, and comparing against regulatory benchmarks and market rates, Padlock gives you clear, plain-English answers on whether to stay, review, or switch.

The Padlock Difference

No AI Financial Hallucinations: All calculations are done by deterministic software code, never LLM estimations.

Full Workings Transparency: Click “Show Your Workings” on any recommendation to inspect exact rates and equations.

Unbiased Neutrality: We evaluate tariffs solely on savings and contract terms. Commercial terms never alter rankings.

Guiding Principles

Designed to earn your trust every day.

Deterministic Arithmetic

Every financial calculation is performed by deterministic application code using pure integer pence arithmetic. AI is used solely to read documents, never to calculate savings or invent rates.

Strict Data Privacy

Your documents are encrypted and accessible only through short-lived signed URLs. We do not sell your personal information or household data to third-party advertisers.

Complete User Control

Nothing is ever switched without your explicit permission. We provide objective, transparent recommendations, but every decision remains 100% in your hands.

Unbiased Recommendations

Tariff evaluation is completely isolated from commercial terms or supplier commissions. Recommendations are ranked strictly by net financial benefit to your household.

Coverage

One platform for all your household bills.

Energy

Active & Live

Full UK energy bill reading, Ofgem regional benchmark comparisons, unit rate calculations, and supplier switching.

Broadband

Supported

Contract expiration tracking, speed package comparisons, renewal reminders, and out-of-contract penalty warnings.

Insurance

Supported

Annual renewal price jump detection across Home and Motor policies, keeping your cover fair and competitive.

Mobile

Supported

Handset contract payoff tracking, SIM-only rate comparisons, and annual price rise monitoring.

Subscriptions

Supported

Centralized tracking for recurring household services, price changes, and unnecessary auto-renewals.

Have questions or feedback?

We welcome inquiries from customers, consumer advocates, and prospective energy partners.

Get in touch with our support team via our Contact Form.

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