Built for Trust, Not Commission
Padlock is your independent household financial watchdog. We believe you deserve total transparency on how we operate, how we evaluate deals, and how we protect your money.
1. You Remain in Complete Control
Padlock never switches your supplier or package without your explicit authorization. Automatic switching is completely optional and opt-in. You decide if and when to switch.
2. Honest & Unbiased Recommendations
We calculate recommendations using exact integer pence arithmetic based on your actual consumption, unit rates, standing charges, and contract exit fees. Supplier commission never influences deal rankings.
3. Complete Financial Transparency
If no cheaper or better deal exists, we explicitly tell you to stay on your current tariff. We never recommend a switch merely to generate a referral commission.
4. Full Provenance & Mathematical Workings
Every calculation displayed on Padlock includes expandable workings so you can verify how every penny was calculated step-by-step.
How Padlock Makes Money
We may receive a commission if you switch through Padlock. Commission does not affect how we rank tariffs.
Zero Cost to You
Unbiased Ranking
We Tell You When NOT to Switch
If your current energy or broadband deal is already competitive, or if available savings don't exceed your contract exit fees, Padlock explicitly recommends staying on your current deal.
Data Privacy & Security Guarantee
Encrypted Storage
All uploaded bill documents and household figures are stored in encrypted format.
No Data Selling
We never sell your household data or contact info to third-party telemarketers.
Complete Ownership
You can export your bill records or request complete account deletion at any time in Settings.