Terms of Service
Last updated 4 August 2026
Scope
This software is a personal tool built and operated by a single private individual, Niklas Engdahl, for the sole purpose of reading and analysing their own bank account data.
It is not a product, not a service, and is not offered, sold, licensed or made available to any other person or organisation. There are no users other than the operator, and no means by which a third party could register or obtain access.
Use
The application accesses only bank accounts that the operator has explicitly linked using their own credentials and BankID authentication. It performs read operations only. It cannot initiate payments, transfer funds or modify anything at the bank.
No commercial use
The application is not used commercially, generates no revenue, and processes no data belonging to anyone other than its operator.
No warranty
The software is provided as is, without warranty of any kind. The operator accepts all risk arising from its use, including the possibility of incorrect or incomplete data. It is not accounting software and its output is not suitable as a basis for tax filing, financial reporting or any other formal purpose.
Changes
These terms may change at any time. Since the operator is the only party bound by them, no notice period applies.