Terms of Service

Last updated: December 8, 2024

Introduction

These Terms of Service govern your use of Guilders (the "Service") operated by Guilders B.V. ("we," "us," or "our"). By accessing or using our Service, you agree to be bound by these terms. If you disagree with any part of these terms, you may not access the Service.

Using Our Service

Account Registration

• You must be at least 18 years old to use this Service
• You must provide accurate and complete information when creating an account
• You are responsible for maintaining the security of your account credentials
• You must notify us immediately of any unauthorized access to your account

Acceptable Use

You agree not to:

• Use the Service in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any part of the Service
• Use the Service to transmit harmful code or conduct malicious activities
• Copy, modify, or distribute any part of the Service without our permission
• Use the Service to process data of minors under 18 years of age

Financial Services Disclaimer

Not Financial Advice

• Guilders is a financial tracking and management tool
• We do not provide financial, investment, tax, or legal advice
• Information provided is for informational purposes only
• Consult qualified professionals for specific advice about your situation

Third-Party Connections

• We partner with financial data providers to connect to your accounts
• These connections are subject to our partners' terms and privacy policies
• We are not responsible for the accuracy of third-party data
• You are responsible for maintaining your account credentials securely

Data and Privacy

Your Data

• You retain all rights to your data
• We only use your data as described in our Privacy Policy
• You can export or delete your data at any time
• We implement industry-standard security measures to protect your data

Third-Party Providers

We partner with trusted financial data providers to deliver our services. By using Guilders, you agree to the terms of service of our providers:

• SaltEdge Terms of Service
• SnapTrade Terms and Conditions

When connecting accounts through these providers, you:

• Authorize them to access your financial data according to their terms
• Accept their data handling and security practices
• Understand their services are governed by their own terms
• Allow us to share necessary data to facilitate the service

Each provider maintains their own terms, privacy policies, and security practices. While we carefully select our partners, you should review their terms before using our service.

Subscription and Billing

Payment Terms

• Subscription fees are billed in advance
• All payments are non-refundable unless required by law
• We may change pricing with 30 days notice
• You can cancel your subscription at any time

Cancellation

• You can cancel through your account settings
• Access continues until the end of your billing period
• No partial refunds for unused time
• Data is retained according to our data retention policy

Service Availability

Uptime and Maintenance

• We strive to maintain high availability of our Service
• Scheduled maintenance will be announced in advance
• We are not liable for any downtime or service interruptions
• We reserve the right to modify or discontinue features

Security Incidents

• We will notify you of any security breaches affecting your data
• We maintain incident response procedures
• We regularly update our security measures
• You should maintain secure and up-to-date devices

Intellectual Property

Our Rights

• The Service, including all content and code, is our intellectual property
• Our trademarks and branding may not be used without permission
• You may not copy or modify our Service without explicit permission

Your Rights

• You retain ownership of your data
• You grant us license to use your data to provide the Service
• You may provide feedback, which we can use without restriction

Limitation of Liability

Disclaimer

The Service is provided "as is" without warranties of any kind, either express or implied, including:

• Fitness for a particular purpose
• Accuracy of financial data
• Uninterrupted availability
• Security against unauthorized access

Liability Limits

Our liability is limited to:

• The amount paid for the Service in the last 12 months
• Direct damages only, not consequential or indirect damages
• Circumstances within our reasonable control

Changes to Terms

• We may update these terms at any time
• Significant changes will be notified via email
• Continued use after changes constitutes acceptance
• If you disagree with changes, you should stop using the Service

Termination

We may terminate or suspend your account if you:

• Violate these terms
• Use the Service fraudulently
• Engage in harmful or abusive behavior
• Fail to pay subscription fees

Contact Us

For questions about these terms:

• Email: contact@guilders.app
• Address: Science Park 608, Amsterdam, 1098 XH
• Response Time: Within 48 hours

Governing Law

These terms are governed by Dutch law. Any disputes will be resolved in the courts of Amsterdam, Netherlands.

Third-Party Provider Terms

Financial Data Providers

When you use our Service, you may interact with various third-party financial data providers. By using our Service, you also agree to be bound by their respective terms of service:

• Salt Edge: For bank account connections

  • Salt Edge Terms of Service
  • Salt Edge provides secure bank account connections and data aggregation services

• SnapTrade: For investment account connections

  • SnapTrade Terms and Conditions
  • SnapTrade provides investment account connections and trading capabilities

Each provider has its own terms, privacy policies, and security practices. You should review these documents before using our Service. We are not responsible for the practices of these third-party providers, but we carefully select our partners to ensure high standards of security and service quality.

Provider Access and Authorization

When you connect accounts through these providers:

• You authorize them to access your financial data as specified in their respective terms
• You agree to their data handling and security practices
• You understand that their services are subject to their own terms and conditions
• You acknowledge that we may share necessary data with these providers to facilitate the Service