You can now review savings, credit card and loan terms

The terms behind a savings account, a credit card or a personal loan are written by the provider. That is normal. It also means the conditions that matter most to you, such as when a bonus rate ends, how a payment is split between balances, or what one missed repayment triggers, can sit in a paragraph you were never going to read. From today you can upload those documents to No Sneaky Terms and get every condition explained.

What the three reviews do

There are three new review pages, each with its own upload:

• Savings accounts and term deposits: the interest conditions, withdrawal and notice rules, what the provider can change, and what happens at the end of an offer or a fixed term.
• Credit cards: purchase, balance transfer and cash advance rates, promotional periods and what ends them, fees, how payments are allocated, and what a missed payment costs.
• Personal loans: the amount you receive against the stated loan amount, the fees, the repayment schedule and the stated total repayable, early repayment, and what the lender may decide on its own.

Every review works the same way. It quotes each condition from your own document, word for word. It explains why that condition matters to you. It looks for any exception or protection elsewhere in the same document, such as a notice period before a rate cut or a right to reject a change, and shows it beside the condition. And it gives you a question to ask the provider.

Findings are shown at three levels. Clean marks a protection in your favour or a routine condition. Watchful marks an important condition, or a point the document leaves unclear. Sneaky marks a condition worth questioning, with the reason shown beside it. The review gives the document an overall score on the same scale.

The review also lists every document your terms refer to that you did not supply. Bank documents lean on each other: a summary box points to general conditions, a card agreement points to a price list, a loan agreement points to a schedule. When a condition depends on a document you did not upload, the review says so and marks it as not supplied. It never fills the gap from memory.

What the reviews never do

A financial product is not a contract you negotiate line by line, and the review is built around that. It never ranks products or recommends one. It never judges whether you can afford something. It never calculates an APR, a total cost of borrowing or a saving, and it never equates one rate measure with another. AER, gross, APY and interest rate are quoted exactly as your document states them. It never tells you whether to open the account, take the card, sign the loan or switch provider.

What you get is the set of conditions, in plain English, with the questions that let you push back or ask for something clearer. What you do with them is your call. The review is not legal advice.

How this differs from asking a chatbot

ChatGPT can help you review a contract. No Sneaky Terms gives you a structured review without having to write the review instructions yourself. The same checks run on every document, every finding carries its quotation, and the documents your terms refer to but you did not supply are listed.

What to upload

Upload the terms and conditions, the summary box, the key facts sheet or the pre-contract information, as a PDF, DOCX or pasted text. If the rate sheet or fee schedule is a separate document, upload the terms first and run the rate sheet as a second review. You do not need to upload statements, and it is better not to upload anything that carries your account or card number. Your document is processed and deleted immediately after analysis, and only the results are saved to your account.

The initial scan needs no account. Your first full contract review is free. No payment required.

Where to start

If you have a document in front of you, go straight to the matching page: savings account or term deposit, credit card or personal loan. If you would rather read first, there is a guide for each one: what to check in savings account terms, what to check in a credit card agreement and what to check in a personal loan agreement, and a shorter list of the ten sneakiest terms across all three.

The aim is the same as it is for a lease or a job offer. The document was written by the other side, you start at a disadvantage, and the way to level it is to know exactly what you are agreeing to before you agree to it.