Terms of Service

Effective: 23 September 2026

This application is a private, non-commercial personal finance tool operated solely for its owner. It is not offered as a service to the public or to third parties.

Purpose

The application is used for personal account aggregation, transaction tracking, budgeting, reconciliation, and financial reporting. It is not a bank, payment service, financial adviser, accounting service, or investment adviser.

Access

Only the owner and persons expressly authorized by the owner may access this instance. The owner is responsible for protecting credentials, maintaining the server, and ensuring that use complies with applicable agreements and law.

Bank connections

Connections to financial institutions are provided through Enable Banking and the relevant banks. Their availability, data quality, consent periods, authentication requirements, and separate terms are outside this application's control. Access is intended to be read-only unless a feature is explicitly identified otherwise.

No financial advice

Information shown by the application is for personal record-keeping only. It may be delayed, incomplete, duplicated, or inaccurate and must not be relied upon for payments, tax filings, investment decisions, or other consequential financial actions without checking the source institution.

Availability and warranties

The application is provided on an “as is” and “as available” basis for private use, without warranties of uninterrupted availability, accuracy, fitness for a particular purpose, or data preservation.

Responsibility

The owner remains responsible for reviewing imported data, keeping independent backups, securing the server, and complying with bank and Enable Banking terms. To the extent permitted by law, the operator is not liable for losses caused by unavailable services, inaccurate data, unauthorized access, or reliance on displayed information.

Changes

These terms may be updated when the application's operation or connected services change. The effective date above identifies the current version.