General terms of service

These terms govern the purchase and use of EasyBankData. By creating your account or subscribing to a plan you confirm that you have read and accept them. If you subscribe on behalf of a company, you confirm that you are authorised to bind it.

1. Who we are

• Owner: EasySoft Tech S.L.
• Tax ID (NIF): B16885766
• Address: Calle Gil de Jaz 4, 1º N, 33004 Oviedo (Asturias), Spain
• Contact: [email protected]

2. What the service is

EasyBankData is a cloud service that brings together the balances and transactions of your bank accounts in one place, categorises them and offers them to you in a web panel, in downloadable files and through an API.

The connection with the banks and the reading of the accounts are provided by Wealth Reader, S.L., an Account Information Service Provider authorised by the Bank of Spain under no. 6939, through the contract that ONNA Digital has signed with it. The authorisation is read-only: the service cannot initiate payments or move money.

The data is delivered by the banks. We do not guarantee that it is accurate or complete, and the automatic categorisation should be checked before it is used in the accounts, in a tax return or in a payment.

3. Who it is for

EasyBankData is aimed at companies, professionals and accounting firms, for their business or professional activity. It is not offered to consumers. If someone who is a consumer subscribes nonetheless, they keep the rights the law grants them.

4. Sign-up and account

To use the service you need to create an account with a valid email address, confirm it and accept these terms. You are responsible for keeping your credentials and API keys secret, and for how they are used. Each person on your team logs in with their own user.

There is a free plan, with sample data, to get to know the panel. It does not connect real banks or require a payment method, and we may change or withdraw it with 30 days' notice.

5. Connecting your banks

• You may only connect accounts that you hold or that you are authorised to connect.
• Authorisation is given on the connection provider's screen, where you type your bank credentials and accept its own terms, in a step separate from these.
• The first connection may take several minutes. How much history is retrieved is limited by the bank and by payment services law, and we cannot guarantee transactions older than those the bank delivers.
• The bank requires the authorisation to be renewed at least every 180 days. We will remind you beforehand, and if you do not renew it, that account stops updating.
• How often accounts update depends on your plan and on the usage limits set by the bank and the provider.
• You can disconnect a bank whenever you want. From then on it is no longer read.

6. Plans, prices and taxes

The price of each plan is the one published on the site at the time of purchase, with the limits stated there. Prices are in euros excluding VAT: VAT is added according to your company's tax details. Before paying you see the breakdown between base amount and tax, and the same breakdown appears on the invoice.

Companies established outside the Spanish VAT territory (for example, in the Canary Islands, Ceuta or Melilla, or in another EU country with an intra-community VAT number) are charged under the tax regime that applies to them. Complete tax details of the company are required before charging.

Table generated from the current plans. Amounts exclude VAT. The site is the reference in case of discrepancy.

If we agree a custom plan with you, that agreement prevails.

7. Payment and invoices

Subscriptions are paid by card through Redsys. You make the first payment on the Redsys page, with your bank's authentication, and in doing so you authorise the card to be stored so that each period can be charged without you having to do anything. You can change the card at any time from "Plan & billing" in the panel.

If you prefer to pay by bank transfer, ask support at [email protected]. We do not offer direct debit.

Each charge generates its invoice, which you can download from the panel.

8. Price review

The service relies on external providers (above all, the provider of the connection with the banks) that set their own rates. We will only review the price of the plans or their limits for one of these reasons, and only as far as needed to reflect it:

• a proven change in the rates of the providers involved in the service;
• a change in hosting and infrastructure costs;
• a change in the taxes levied on the service.

Any review will be notified by email and published on the site at least 30 calendar days in advance, stating the previous and the new price or limit, the effective date and the reason. During that period you can cancel at no cost. A review does not affect periods already paid, and it works both ways: if those costs go down, we will also review downwards.

9. Renewal, plan changes and cancellation

• The subscription renews automatically at the end of each period unless you cancel it.
• Upgrading applies immediately: the difference is charged pro rata for the rest of the period, and the change only applies if that charge succeeds.
• Downgrading, or any change that reduces a limit, applies at the end of the paid period. If the new plan allows fewer banks than you have connected, we will warn you beforehand and will not disconnect any without your decision.
• Plan changes do not give rise to refunds.
• Cancelling is done from the panel at any time and takes effect at the end of the paid period, with no further charges. Until then you keep the service and can undo the cancellation. Afterwards, your account moves to the free plan: you keep access and the data already downloaded, and the paid features, including reading your banks, are no longer available.
• If you want us to delete your data, ask at [email protected]. You can download it from the panel first.

10. If a payment fails

If a charge does not go through, or if the bank notifies us of a chargeback, the subscription becomes overdue: we let you know by email, automatic reads stop and we retry the charge after 3 and after 7 days. If the card cannot be charged again (for example, because it has expired), we will ask you for another one.

If the payment is still not completed 7 days after the failure, the subscription is suspended: access and reads stop, and the data already downloaded is kept intact. As soon as the payment is collected, you regain access and the service works again.

11. Acceptable use

It is not allowed to:

• use the service for unlawful purposes or connect accounts you are not authorised to connect;
• use the data to assess the creditworthiness of individuals or to make employment decisions about them;
• resell or redistribute the service without a prior written agreement;
• circumvent the plan's limits with several accounts or by automated means;
• share the same API key between different companies or publish it;
• attack, overload or try to bypass the security of the service, or reverse-engineer it.

A breach may lead to the account being suspended. Except in urgent security cases, we will warn you first and give you a reasonable time to fix it. If the contract ends up being terminated for this reason, we will refund the proportional part of the paid period you could not use.

12. Availability

We work to keep the service continuously available and we are responsible for it working as described. Scheduled maintenance will be announced in advance whenever possible.

The service depends on the banks and on the connection provider: a change at a bank may temporarily interrupt the reading of its accounts. Towards you, we answer for our providers as if they were our own. We do not publish a general availability percentage; if you need a specific commitment, we agree it in writing.

13. Data protection

For the bank data of your accounts and of the people who appear in your transactions, you are the controller and EasySoft Tech S.L. acts as processor, following your instructions, which are those you give by using the service. All other data is processed according to the privacy policy.

By accepting these terms you authorise us to use the sub-processors published on the sub-processors page. We will notify you before adding or replacing one, and you may object to the change; if we cannot find a solution, you may cancel without penalty.

As controller, it is up to you to inform the people who appear in your transactions about the processing of their data. And if you give an API key to a third party so it can read your data (your accountant, a developer), that third party processes the data on your behalf and you need a processing agreement with them.

If you need to sign a specific processing agreement with us, write to [email protected].

14. Liability

We are not liable for decisions made on the basis of unchecked data, nor for errors in the data delivered by the banks.

Our total liability for any claim arising from the service is limited to the amount you paid us in the twelve months before the event giving rise to it, and does not extend to loss of profit or indirect damage. Nothing in these terms limits liability for wilful misconduct, gross negligence or personal injury.

15. Intellectual property and your data

The software, the brand and the documentation belong to EasySoft Tech S.L. Your data is yours: we acquire no rights over it beyond those needed to provide the service, and you can export it at any time from the panel or through the API.

16. Changes to these terms

We will only change these terms for one of these reasons:

• a change in the applicable law or in its interpretation by the competent authority;
• an administrative or court decision that requires it;
• a change in the service's features, to describe what is actually provided;
• a change in our providers' terms that affects what is described here;
• the correction of clerical errors, without altering the balance of the parties' obligations.

Substantial changes will be notified by email 30 calendar days in advance, stating what changes and why. During that period you may cancel without penalty. Changes do not apply to periods already paid. Each version is identified by its number and date.

17. Language

The contract is entered into and interpreted in Spanish. This English translation is provided for your convenience: if it ever differs from the Spanish text, the Spanish text prevails.

18. Governing law and jurisdiction

Spanish law applies. The parties submit to the courts of Oviedo (Asturias, Spain), unless the law mandatorily provides for a different venue.