Frequently asked questions

Sugar is a personal financial concierge. We find where your money is quietly being lost on bills, loans, insurance, and subscriptions, then we move you to better deals. You don't have to budget harder or change how you live.

Anyone who pays bills. If you have a mortgage, insurance, utilities, subscriptions, or loans, chances are you're overpaying somewhere. Sugar is built for people who don't have the time or energy to compare every provider and chase every deal themselves.

Sugar is available across the UK. We can help with bills, debts, insurance, mortgages, energy, broadband, and subscriptions.

When you connect your email, Sugar securely reads your financial emails including bills, statements, renewals, and receipts. We compare what you're currently paying against the market to identify where you're overpaying and how much you could save.

Sugar automatically scans for financial documents like bills, insurance renewals, and loan statements. Within minutes, we start building a picture of your spending and identify savings opportunities. You'll see exactly what we find and how much you could save.

Nope. Once you connect your email, Sugar does the rest: finding savings, comparing providers, and handling switches. If there's any information we need, our team will reach out to fill in the gaps. You stay in control and approve any changes.

We aim to get you your first saving within 24 hours of joining.

Yes. Sugar is a 12-month term because proper renegotiation, switching, and debt work takes time. But if you're not happy for any reason in Month 1, you can cancel.

Yes. Sugar receives read-only access, so we can find financial documents but cannot send, delete, or change your emails. We encrypt your data, follow the UK GDPR and Data Protection Act 2018, and comply with Google's API Services User Data Policy, including its Limited Use requirements. You can disconnect at any time.

We encrypt your data in transit and at rest, restrict access, and handle personal data in line with the UK GDPR and Data Protection Act 2018.

Read-only access. Sugar can find financial documents such as bills, statements, insurance renewals, and loan documents but cannot send, delete, or change your emails.

Yes, at any time. You can ask Sugar to unlink it, and you can revoke access from your Google Account settings at myaccount.google.com/permissions.

No. We do not sell your data, use it for advertising, or share it for marketing. Sugar earns money through memberships.