1. Acceptance of Terms
Welcome to Stashbeat. These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and [Company Name] ("Company," "we," "us," or "our"), governing your access to and use of the Stashbeat personal finance management platform and related services (collectively, the "Service").
By creating an account, accessing, or using our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use our Service.
We reserve the right to modify these Terms at any time. Your continued use of the Service after any changes constitutes acceptance of the new Terms.
2. Service Description
Stashbeat is a personal finance management platform that provides the following services:
- Secure connection to your bank accounts via Open Banking technology
- Automatic transaction synchronization and categorization
- Financial dashboards and analytics
- Budget planning and tracking tools
- Expense categorization and management
- Financial reporting and insights
- Manual transaction entry and CSV import
The Service is designed to help you understand and manage your personal finances. It is provided for informational purposes only and should not be considered financial, investment, tax, or legal advice.
3. Eligibility
To use our Service, you must:
- Be at least 16 years of age (in accordance with Hungarian law and GDPR)
- Have the legal capacity to enter into a binding agreement
- Provide accurate and complete registration information
- Have a valid bank account with a supported financial institution (for Open Banking features)
- Not be prohibited from using the Service under applicable law
By using the Service, you represent and warrant that you meet all eligibility requirements. We reserve the right to refuse service, terminate accounts, or cancel transactions in our sole discretion.
4. Your Account
4.1 Account Registration
To access the Service, you must create an account by providing a valid email address and creating a secure password. You agree to:
- Provide accurate, current, and complete information
- Maintain and promptly update your account information
- Keep your password confidential and not share it with others
- Immediately notify us of any unauthorized access to your account
4.2 Account Security
You are solely responsible for maintaining the security of your account and for all activities that occur under your account. We recommend enabling two-factor authentication when available.
We will not be liable for any loss or damage arising from your failure to protect your account credentials.
5. Open Banking Consent and Authorization
5.1 Your Authorization
When you connect a bank account through our Service, you explicitly authorize us and our third-party Open Banking provider (GoCardless/Enable Banking) to:
- Access your bank account information on your behalf
- Retrieve account balances and transaction history
- Store and process this data to provide our Service
5.2 Read-Only Access
Our Open Banking integration provides read-only access to your financial data. We cannot:
- Initiate payments or transfers from your accounts
- Modify your account settings or information
- Access your bank login credentials (authentication is handled directly by your bank)
5.3 Revocation of Access
You may revoke your Open Banking authorization at any time by disconnecting your bank account within the Service settings. You may also revoke access directly through your bank's online banking portal.
6. Acceptable Use Policy
You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:
- Use the Service for any illegal or unauthorized purpose
- Attempt to gain unauthorized access to our systems or other users' accounts
- Interfere with or disrupt the Service or its infrastructure
- Use automated scripts, bots, or scrapers to access the Service
- Transmit viruses, malware, or other harmful code
- Impersonate another person or entity
- Use the Service for money laundering, fraud, or other financial crimes
- Violate any applicable local, national, or international law
- Circumvent any security measures or access restrictions
- Reverse engineer, decompile, or disassemble any part of the Service
We reserve the right to suspend or terminate your access to the Service if we reasonably believe you have violated these Terms.
7. Intellectual Property Rights
The Service and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, graphics, and the design, selection, and arrangement thereof) are owned by [Company Name], its licensors, or other providers of such material and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial purposes, subject to these Terms.
You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Service without our prior written consent.
8. User Content and Data Ownership
8.1 Your Data
You retain all ownership rights to the data you provide to the Service, including manually entered transactions, categories, and other user-generated content. By using the Service, you grant us a limited license to use, store, and process your data solely to provide and improve the Service.
8.2 Data Export
You have the right to export your data at any time. We provide tools within the Service to download your financial data in common formats.
8.3 Accuracy
You are responsible for the accuracy and completeness of any data you manually enter into the Service. We are not responsible for errors arising from incorrect user input.
9. Third-Party Services
Our Service integrates with third-party services, including:
- GoCardless (Enable Banking): Open Banking connectivity for bank account synchronization
- Financial institutions: Your banks and financial service providers
- Payment processors: For subscription and payment handling (if applicable)
Your use of these third-party services is subject to their respective terms of service and privacy policies. We are not responsible for the actions, content, accuracy, or reliability of any third-party services.
We do not guarantee the continued availability of any third-party integrations and reserve the right to add or remove integrations at any time.
10. Service Availability and Modifications
10.1 Availability
We strive to maintain high availability of the Service but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control.
10.2 Modifications
We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice. We will make reasonable efforts to notify you of significant changes that may affect your use of the Service.
11. Disclaimers
11.1 Not Financial Advice
THE SERVICE IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE FINANCIAL, INVESTMENT, TAX, OR LEGAL ADVICE. You should consult qualified professionals before making financial decisions. We are not a financial advisor, investment advisor, or fiduciary.
11.2 Data Accuracy
While we strive for accuracy, we do not guarantee that the data retrieved from your bank accounts or displayed in our Service is complete, accurate, or current. Bank data synchronization may be delayed, and discrepancies may occur due to factors beyond our control.
11.3 As-Is Basis
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
12. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL [COMPANY NAME], ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION:
- Loss of profits, data, or other intangible losses
- Financial losses resulting from decisions made based on Service data
- Unauthorized access to or alteration of your data
- Interruption or cessation of the Service
- Bugs, viruses, or other harmful code transmitted through the Service
- Errors or omissions in any content
In no event shall our total liability to you exceed the amount you paid us, if any, in the twelve (12) months prior to the claim.
13. Indemnification
You agree to indemnify, defend, and hold harmless [Company Name] and its officers, directors, employees, agents, and successors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Service.
14. Governing Law and Dispute Resolution
14.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of Hungary, without regard to its conflict of law provisions. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.
14.2 Jurisdiction
Any disputes arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of Hungary.
14.3 Dispute Resolution
Before initiating any legal proceedings, you agree to first contact us to attempt to resolve the dispute informally. If the dispute cannot be resolved within 30 days, either party may proceed with formal legal action.
15. Termination
15.1 Termination by You
You may terminate your account at any time by using the account deletion feature in the Service settings or by contacting us at dpo@stashbeat.com.
15.2 Termination by Us
We may suspend or terminate your access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms.
15.3 Effect of Termination
Upon termination, your right to use the Service will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.
16. Changes to Terms
We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by:
- Posting the updated Terms on our website
- Updating the "Last updated" date
- Sending you an email notification
Your continued use of the Service after the effective date of any changes constitutes your acceptance of the new Terms. If you do not agree to the changes, you must stop using the Service.
17. Contact Us
If you have any questions about these Terms, please contact us:
18. Severability
If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.
19. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and [Company Name] regarding your use of the Service and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral.