Interim version · Effective September 28, 2026
These are short interim terms. Updated full terms are coming, and we will post them on this page.
These terms are an agreement between you and HEY LUCY, INC. (“Lucy”, “we”, “us”). They cover the Lucy app, the Lucy membership and heylucy.io. By joining Lucy, you agree to these terms and our Privacy Policy.
Lucy is a paid monthly membership. As a member, you can have Lucy reimburse eligible recent purchases on your credit card. Lucy sends that amount to your bank account, and you repay it in installments. Lucy charges no interest on the money it sends you.
The membership costs $12.99 to $29 a month, depending on your membership plan. It is charged monthly to the card you add in the app, through Stripe. The app shows your price before anything is charged.
Who is eligible, how offers are approved and how repayment works are set out in the terms the app shows you before each offer, and in the bank debit authorization you agree to. Please read them before you accept an offer.
You can ask to close your account in the app (Profile, then Close my account) or by emailing support@heylucy.io. Closing your account does not cancel what you owe. Any repayment plan you accepted continues until it is repaid.
Email support@heylucy.io.