Your AI knows the internet.
YouAI makes it know your life.
YouAI connects your bank accounts, household bills, insurance policies, homes, and vehicles into one private, self-updating vault. Use YouAI’s built-in Command Centre to stop auto-renewal traps and decode fine print—or plug your live life context directly into your own Claude, ChatGPT, Gemini, or Grok instance.
*Illustrative Benchmark: £1,420/yr reflects modelled annual savings for a typical household portfolio (6–10 contracts) when comparing standard auto-renewal rollovers, duplicate policies, and out-of-contract tariffs against market benchmarks. Larger family households (12–15+ contracts spanning multi-tranche mortgages, bundled telecoms, dual-fuel utilities & multi-vehicle cover) typically surface £1,800–£2,600/yr in actionable optimisations.
What Bank-Feed Apps Can’t See—Inside Your Own AI.
Bank-feed budgeting apps (like Snoop, Emma, or Moneyhub) only see what left your account yesterday—they cannot see policy excesses, notice periods, mortgage early repayment charges, or which line items inside a bundle are out of contract. YouAI extracts the full clause-level contract graph and connects it directly to your own Claude, ChatGPT, Gemini, or Grok.
Clause-Level Depth for Any Frontier AI
YouAI continuously structures your contracts down to individual priced components, minimum terms, APRs, and cancellation windows. With a single MCP connection, your own Claude, ChatGPT, Gemini, or Grok account can audit your entire household in one call.
- ✓ Line-Item & Clause Precision: Separates rolling add-ons you can cancel today from fixed core plans locked until next year—with exact notice periods, excesses, and overpayment allowances.
- ✓ Whole-Household Graph: Mortgages, energy, property tax, water, insurance, telecoms, credit, and subscriptions normalised into monthly-equivalent spend.
- ✓ Propose-Only AI Boundary: Your external AI has read access plus staged proposals—giving you total confidence to let AI work across sensitive data while you confirm every change.
- ✓ Compact One-Call Context: Optimised summary & deep-inspection tools let any AI client read your entire household without hitting token limits.
"Audit our household contracts in YouAI—what can we trim immediately without early exit fees, and how should we handle our mortgage and utility renewals?"
1. Sky Broadband & TV Bundle Split (£98/mo total): While your core Fibre & base TV package (£62/mo) is in a minimum term until Nov 2026, £36/mo in 30-day rolling channel & multi-room add-ons can be removed penalty-free today (£432/yr saved).
2. Mortgage Overpayment Allowance: Your £340k sub-account (at 4.85% fixed) has a 3% ERC until Oct 2027, but your deed allows a 10% penalty-free annual overpayment—directing surplus savings to that higher-rate part reduces interest by ~£920/yr.
3. Upcoming Renewals & Duplicate Cover: Locking in your Octopus Energy fix (£0 exit fee), dropping duplicate AA roadside cover (£145/yr), and re-quoting home insurance saves another £790/yr.
Illustrative combined savings: £2,142/yr. I’ve staged these recommendations in your YouAI vault for your review.
"We’re booking a family ski trip in February. Check our passports, travel insurance fine print, and car cover before I pay."
1. Passports: 3 of 4 family passports are valid, but Alex’s passport expires in 5 months (falls short of the 6-month international travel validity rule).
2. Travel Insurance Exclusions: Your Nationwide FlexPlus policy is active, but Winter Sports is an optional add-on (£28) not currently active on your schedule.
I’ve staged a passport renewal task and the Winter Sports endorsement check in your YouAI app.
"Compare our upcoming Octopus Energy and Admiral renewals against current UK rates and tell me what to switch."
1. Octopus Energy (£118.50/mo): Renews on 15 Jan with a £0 exit fee. Locking into the new 12M Fixed tariff saves £210/yr vs the standard variable rate.
2. Admiral Auto Cover (£780/yr quote): Up 44% from last year’s £540. Comparable comprehensive cover (£500 excess) is benchmarking at £515/yr.
Both switch comparisons are staged in your YouAI Radar ready for execution.
"Audit every recurring subscription and automatic payment hitting my accounts over the last 90 days—what can I ruthlessly cut?"
• 3 Unattributed Subscriptions (£41.97/mo): Two overlapping cloud storage plans and an unused software renewal with zero matching receipt.
• Out-of-Contract Mobile Plan (£19.00/mo overpayment): Your mobile plan finished its device payoff 4 months ago.
Total immediate savings: £731.64/yr. Approve the cancellation batch inside YouAI whenever you’re ready.
Private Family Office Depth. Zero Admin Effort.
Alongside powering your favourite external AIs, YouAI gives you a dedicated web and mobile Command Centre that organises every contract, bank payment, property, vehicle, and deadline automatically.
One Conversation. Automatic Domain Skills.
Never guess which menu or bot to open. Ask a single question spanning your bank payments, home insurance, vehicle MOT, and travel plans—YouAI brings your entire household context into one thread and fires the right executable skills automatically.
- ✓ Inline Domain Attribution: Live badges show exactly which life layers (Payments & Spending, Contracts & Renewals, Motoring) power each answer.
- ✓ Executable Action Skills: Runs multi-step workflows—from retention negotiation scripts and charge disputes to loyalty point flight valuations.
- ✓ One-Tap Approval Cards: Whenever YouAI proposes a contract update or renewal switch, review a clean before/after comparison and approve with one tap.
2. Octopus Energy Fixed 12M ends in 28 days (£0 exit fee verified on page 2 of schedule).
Open Banking Bound to Every Contract
YouAI connects to your UK bank accounts and credit cards—automatically linking every Direct Debit and recurring charge to the actual contract PDF in your vault so you see what you are paying for, not cryptic merchant codes.
- ✓ Contract-Linked Payments: Automatically matches bank transactions to the specific home, vehicle, or policy they pay for.
- ✓ Stealth Price-Hike Detection: Flags any recurring charge that drifts above its prior baseline.
- ✓ Unattributed Spend Audit: Surfaces forgotten subscriptions and phantom recurring charges with no matching contract.
30 / 60 / 90-Day Proactive Renewal Radar
Providers rely on you forgetting renewal dates so they can roll you onto punitive standard tariffs. YouAI’s Radar continuously monitors your contracts, statutory expiries, and warranties—intervening before the cancellation window closes.
- ✓ Notice-Window Precision: Alerts trigger ahead of mandatory 30-day cancellation deadlines.
- ✓ Duplicate Cover Elimination: Detects when your packaged bank account or credit card already covers roadside or travel insurance you pay for separately.
- ✓ Statutory Expiry Protection: Tracks passports, driving licences, DVLA MOT & VED road tax alongside commercial renewals.
Homes, Vehicles, Appliances & People
Your life is built around physical assets and the people you care for. YouAI binds every utility, mortgage, MOT, warranty, and service schedule directly to your homes, cars, and family members.
- ✓ Property Cockpit: Mortgages, home insurance, Council Tax Band, EPC Rating, and heating servicing in one view.
- ✓ Vehicle Fleet Tracking: Registration-linked DVLA MOT & VED road tax, servicing history, roadside cover, and insurance deductibles.
- ✓ Household Authority & Family Care: Safely manage shared household bills or aging parents’ utilities with granular permissions.
Sovereign Document Vault & Clause-Level Answers
Forward any confirmation email or PDF to your personal YouAI forwarding address or snap a letter on WhatsApp. YouAI classifies, extracts, and indexes every word so you can interrogate 50-page policy booklets in plain language.
- ✓ Exact Clause Citations: Ask "Am I covered if my laptop is stolen from my car?" and get the exact page, section, and deductible.
- ✓ Zero-Touch Email Forwarding: Works with Gmail, Outlook, iCloud, and Proton—set an auto-forward rule once and never upload manually again.
- ✓ Private to You—Even From Us: Your contracts and personal details are encrypted at rest and masked from our own team by default; diagnostic access is only unlocked if you open a support request.
- ✓ Scoped Cryptographic Sharing: Generate time-limited, PIN-protected passes for your partner, mortgage broker, or accountant.
Energy_Renewal_Schedule.pdf via personal email aliasOne Assistant. Dozens of Real-World Skills.
Whether you interact inside the YouAI app or through your own Claude, ChatGPT, Gemini, or Grok instance, YouAI executes deep domain workflows grounded in your household records and UK consumer regulations.
Compares your upcoming renewal quote against live UK market rates, verifies exit fees, and drafts a ready-to-send retention or cancellation script.
Cross-checks bank statement flows against contracted amounts to expose stealth price hikes, expired introductory rates, and unattributed charges.
Searches across every policy wording, lease agreement, and warranty in your vault to verify exact coverage limits, deductibles, and exclusions.
Generates evidence-backed complaints and claims grounded in the Consumer Rights Act 2015, FCA Consumer Duty, and Ofgem/Ofcom rules.
Calculates value-per-point redemptions vs live cash fares, optimises companion vouchers, and checks linked travel insurance eligibility.
Tracks DVLA MOT & VED road tax expiries, service intervals, roadside policies, and multi-car insurance renewal windows per vehicle.
Binds energy tariffs, water, broadband, mortgages, Council Tax Band, EPC Rating, and appliance warranties to each property you own or rent.
Generates a complete checklist of every bound provider, local authority, vehicle registry, and policy that must be updated when moving home.
In WhatsApp, In Your Inbox, and Inside Your AI.
Whether you’re snapping a letter on WhatsApp, forwarding an email bill, or prompting Claude, ChatGPT, Gemini, or Grok, your household context stays continuously synchronised.
Surface YouAI in WhatsApp
Opening mail at the kitchen table? Snap a photo of a paper bill, MOT reminder, or warranty card and message it straight to YouAI on WhatsApp. Ask quick coverage questions on the go and receive proactive renewal alerts right in your chat list.
You: [Photo: Thames_Water_Bill.jpg]
YouAI: ✓ Filed to Primary Residence (£46.20/mo). Added to Wallet & Radar. Reply "COMPARE" to benchmark rates.
Open Banking & Email Auto-Forwarding
Connect your bank accounts and receive a private email forwarding address. Every e-bill, insurance schedule, and Direct Debit reconciles automatically—eliminating manual data entry forever.
Bank Feed: BARCLAYS DD · AVIVA INS £64.10
Inbound PDF: Aviva_Policy_Schedule.pdf
Status: ● 100% Bound · Renewal Radar Armed
Claude · ChatGPT · Gemini · Grok
Connect your personal AI assistant to your verified household vault in 30 seconds. Your AI gets live read-and-stage context across your life, while every permanent change requires your one-tap approval inside YouAI.
Connected Models: Claude · ChatGPT · Gemini · Grok
Access Scope: Read & Candidate Staging
Final Approval: ● Locked to YouAI App
Your Contracts Are Yours Alone. Even We Can’t Browse Them.
You trust YouAI with your most sensitive household policies, property records, and financial commitments. We engineered our platform around the same privacy principles used by leading digital banks—so your personal life stays strictly private.
Our internal operations tools mask your contracts, addresses, vehicles, and personal details by default. YouAI staff only see anonymised system telemetry—and can only inspect account diagnostics if you explicitly open a support request.
Every uploaded policy PDF, property record, and contract graph node is encrypted at rest using institutional-grade AES-256 encryption on isolated UK-hosted cloud relational database and encrypted storage infrastructure.
Unlike traditional price comparison sites that sell your phone number and email to dozens of brokers, YouAI strips your personal identity before benchmarking tariffs and protects your inbox with a private relay address.
Your household documents and financial records are never used to train public foundation models. External AI assistants connected via MCP operate under revocable, read-and-stage tokens that you control.
Why Structured Contract Context Changes Everything.
See how YouAI’s clause-level household contract graph and live MCP connector compare against traditional bank-feed apps and basic reminder tools.
Capability Comparison: YouAI vs Bank-Feed Apps vs Basic Renewal Trackers
(e.g. Snoop, Emma, Moneyhub) See yesterday’s card & Direct Debit transactions, but are blind to contract clauses—cannot see your policy excesses, 90-day notice periods, mortgage ERCs, or which line items inside a bundle are out of contract.
(Standard Reminder Trackers) Track basic renewal dates and store files, but do not expose a live MCP contract graph to your own Claude, ChatGPT, Gemini, or Grok instance.
Private Personal Alpha · Complimentary UK Testing Cohort Combines clause-level contract & line-item extraction with live payment reconciliation and a propose-only MCP bridge so your own AI can reason over your entire household in one call.
| Capability / Differentiator | Bank-Feed Apps Snoop · Emma · Moneyhub |
Renewal Trackers Basic Reminder Apps |
YouAI Sovereign Vault + MCP Closed Personal Alpha (Complimentary Testing) |
|---|---|---|---|
| Live MCP Bridge to Claude, ChatGPT, Gemini & Grok | ✕ No external AI bridge | ✕ No external AI bridge | ✓ Built-In Sovereign MCP |
| Clause-Level Graph (Excesses, Notice Periods, ERCs, APRs) | ✕ Blind to policy PDFs & terms | ◐ Basic renewal dates & notes | ✓ Full Clause Extraction (excesses, ERCs, 10% overpay, APRs) |
| Line-Item Bundle Split (Rolling vs Fixed Lock-In) | ✕ Sees single Direct Debit only | ✕ Single contract headline only | ✓ Itemised Sub-Components (e.g. separating 30-day rolling TV/SIM add-ons from fixed core fibre) |
| Propose-Only Human-in-the-Loop AI Safety | ✕ N/A | ✕ N/A | ✓ Read + Staged Proposals (User approves every change) |
| Open Banking Payment-to-Contract Reconciliation | ◐ Bank feed only (no PDF link) | ✕ Document storage only | ✓ Bank Flows Bound to PDFs + stealth hike detection |
| Whole-Household Completeness & Missing-Doc Nudges | ✕ Transaction categorisation only | ◐ Manual checklist | ✓ Automated 6-Pillar Audit (Energy, Tax, Water, Broadband, Mortgage, Cover) |
| Zero-PII Air-Gapped Benchmarking | ✕ Lead-gen broker handoffs | ✕ Manual reminders only | ✓ Zero-PII Air-Gap Quotes (Negotiate vs Direct vs Market) |
Put Your Life Admin on Autopilot.
YouAI is currently in a closed, non-commercial personal alpha testing phase across the United Kingdom. Request an invitation below to test the household contract vault and MCP connector free of charge during our private research cohort.
- 01 Instant Contract & Direct Debit Audit: Uncover hidden price hikes and duplicate policies in your first 10 minutes.
- 02 Connect Your Own AI: Plug your live household context directly into Claude, ChatGPT, Gemini, or Grok.
- 03 100% Complimentary Non-Commercial Alpha: All features are provided free of charge via private alpha invitation code—no commercial subscriptions or billing are active during alpha testing.
Already hold a private alpha invitation code? Sign in directly to the Web App →
Request Private Alpha Invitation
Register interest in our closed personal alpha cohort (🇬🇧 GB · GBP).