Privacy Policy
Last updated 4 August 2026
What this application is
This is a personal, non-commercial tool built and run by a single private individual to view and analyse their own bank account data. It is not a service offered to anyone else. There are no other users, no customers and no sign-up.
Who is responsible
Niklas Engdahl, private individual, Sweden.
niklas.engdahl@gmail.com
What data is accessed
Through Enable Banking’s account information service, the application reads the following from the operator’s own bank accounts at SEB:
- account identifiers, names and currency
- account balances
- transaction records, including dates, amounts, counterparty names and payment reference text
No data is read from any account other than those the operator has explicitly linked to this application using their own credentials.
Why
To produce a personal overview of the operator’s own household finances: spending over time, categorisation, and savings tracking.
Where the data is stored
In a local database file on the operator’s own computer. The data is not uploaded anywhere, not stored in any cloud service, and not accessible over any network.
Who the data is shared with
Nobody. The data is not sold, transferred, published or disclosed to any third party. There is no analytics, telemetry, advertising or profiling.
The only third party involved is Enable Banking Oy, which acts as the licensed account information service provider transporting the data from the bank to this application. Their handling of that data is governed by their own privacy policy.
How long it is kept
Until the operator deletes it. The database file can be deleted at any time, which removes all stored data permanently.
Access consent
Access to the bank data requires the operator to authenticate with BankID and is valid for a limited period set by the bank, after which it expires and must be renewed. Consent can be withdrawn at any time through SEB’s internet bank or by deleting the application in Enable Banking’s control panel.
Rights
All data processed is the operator’s own data about themselves. Since there are no other data subjects, there are no external requests for access, rectification or erasure to accommodate.