Terms of Service

1. Introduction

Welcome to COREFINÓS. These Terms of Service ("Terms") govern your use of the COREFINÓS application and services ("Service") operated by ITWILLROCK Sp. z o.o. ("Company", "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 the Terms, you may not access the Service.

2. Service Description

COREFINÓS is a personal finance management application that provides:

• Bank account aggregation across multiple financial institutions
• Transaction history viewing and categorization
• Spending analytics and financial insights
• Net worth tracking across all connected accounts

Our Service operates as an Account Information Service Provider (AISP) under the Payment Services Directive 2 (PSD2). We provide read-only access to your bank account data. We do NOT:

• Initiate payments or transfers on your behalf
• Store your bank login credentials
• Have the ability to move or access your funds
• Provide financial advice or recommendations

3. Eligibility

To use our Service, you must:

• Be at least 18 years of age
• Be a resident of the European Union
• Have a valid bank account with a supported financial institution
• Have the legal authority to connect your bank accounts
• Provide accurate and complete registration information

4. Account Registration

When you create an account with us, you must:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Notify us immediately of any unauthorized access

You are responsible for all activities that occur under your account. We reserve the right to suspend or terminate accounts that violate these Terms.

5. Bank Account Connections

When connecting your bank accounts:

• You authorize us to access your account information through secure Open Banking APIs provided by licensed third parties (Enable Banking)
• You confirm that you are authorized to grant access to the accounts you connect
• Access tokens expire after 90 days as required by PSD2 regulations; you will need to re-authorize access periodically
• You can disconnect any bank account at any time through the application

We are not responsible for any issues arising from your bank's systems, including service outages, data delays, or inaccuracies in the data provided by your bank.

6. Acceptable Use

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 servers
• Upload malicious code or attempt to compromise security
• Use automated systems to access the Service without permission
• Impersonate any person or entity
• Use the Service to launder money or finance illegal activities
• Connect accounts that you are not authorized to access
• Resell or redistribute the Service without authorization

7. Intellectual Property

The Service and its original content, features, and functionality are owned by ITWILLROCK Sp. z o.o. and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to use the Service for personal, non-commercial purposes in accordance with these Terms.

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Merchantability or fitness for a particular purpose
• Accuracy, reliability, or completeness of data
• Uninterrupted or error-free operation
• Security or freedom from viruses

We do not guarantee that the categorization of transactions or spending analytics will be accurate. The Service is for informational purposes only and should not be relied upon for financial decisions.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ITWILLROCK SP. Z O.O. SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, data, or business opportunities
• Damages arising from your use or inability to use the Service
• Errors or inaccuracies in data provided by third-party banks
• Unauthorized access to your account due to your negligence

Our total liability shall not exceed the amount you paid for the Service in the 12 months preceding the claim, or EUR 100, whichever is greater.

10. Indemnification

You agree to indemnify, defend, and hold harmless ITWILLROCK Sp. z o.o. and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.

11. Service Modifications

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

12. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including:

• Breach of these Terms
• Fraudulent or illegal activity
• Request by law enforcement or government agencies
• Extended periods of inactivity

You may terminate your account at any time by contacting us or using the account deletion feature in the application. Upon termination, your data will be deleted in accordance with our Privacy Policy.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Poland, without regard to its conflict of law provisions. Any disputes arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of Poland, while also respecting applicable EU consumer protection regulations.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by email or through the application at least 30 days before they take effect. Your continued use of the Service after the changes take effect constitutes your acceptance of the new Terms.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and ITWILLROCK Sp. z o.o. regarding the Service and supersede all prior agreements and understandings.

17. Contact Information

If you have any questions about these Terms, please contact us: