You have been sent to this portal by an app you use (the "App"). These terms cover your use of the portal only. Your relationship as a customer, including any fees, support, and the service you receive, is with the App, not with Synci.
Who we are
The portal is operated by Tonning, doing business as Synci ("Synci", "we", "us"), org. no. 930076066, Nordbø 15, 5009 Bergen, Norway. You can reach us at support@synci.io.
What the portal does
The portal lets you connect a bank, brokerage, or crypto account so that the App can receive your account, balance, and transaction data. Connections are made through a licensed connectivity provider (the company that connects to your bank), for example GoCardless, which will ask you to confirm access in your own bank's or provider's environment.
Read-only access
We read data only. We cannot move money, make payments, change your account details, or act on your accounts in any way. Nothing in this portal is financial advice.
Your relationship with the App
The App decides why your data is collected and how it is used. Every account you connect in this portal, now or later, is made available to the App; there is no per-account selection. Only connect accounts you want the App to see. The App pays Synci for your connections.
If the portal shows that the App has not been reviewed, the App is in testing. We have not checked the App, its developer, or its privacy notice, and you should only connect accounts if you are testing the App yourself or trust its developer.
The App can pause or delete your connections and your data held by Synci at any time. Questions about how your data is used, and requests to access or delete it, should go to the App first. We will help the App respond. How we handle your data is described in the Portal Privacy Notice.
Signing in and emails
You reach the portal through a link from the App. If the link has expired, the portal can email you a one-time sign-in code at the address the App registered for you. Depending on the App's settings, we may also email you when a connection is about to expire, has failed, or has been disabled. If the App loses access to Synci, we email you once to tell you. We do not send you marketing.
Who may use the portal
You must be at least 18 years old and entitled to access the financial accounts you connect. Only connect accounts that are yours or that you are authorized to connect.
Acceptable use
You must not attempt to access accounts or data that are not yours, interfere with the portal or the connectivity providers, or use the portal in breach of any law. We may disconnect any connection we reasonably believe breaches these terms or a connectivity provider's requirements.
Connectivity providers
Data is obtained through connectivity providers under their own end-user terms, which you accept when you connect. We do not control these providers and cannot guarantee that a particular bank or institution remains available, that a connection stays active for a given period, or that the data received is complete or correct.
For banks in the UK and Europe the provider is usually GoCardless, whose Bank Account Data End User Terms apply to your connection. New Zealand bank connections are made through Akahu, under their End User Terms, and brokerage and crypto connections through SnapTrade, under their Terms and Conditions.
Disconnecting
You can disconnect an account at any time from this portal, from within the App, or by contacting the App. Disconnecting stops new data from being collected. Data already collected is kept or deleted according to the App's instructions, as described in the Portal Privacy Notice. You can also revoke access directly with your bank or with the connectivity provider.
No warranty
The portal is provided as is. To the extent permitted by law, we give no warranty that the portal or any connection will be uninterrupted, error-free, or fit for any particular purpose.
Liability
To the extent permitted by law, we are not liable to you for indirect losses, loss of profit, or loss of data, and our total liability to you in connection with the portal is limited to NOK 10,000. Nothing in these terms limits liability for intent, gross negligence, death or personal injury, or any liability that cannot be limited under applicable law. Nothing in these terms limits any rights you have against the App.
Changes
We may update these terms. The version in force is shown at the top of this page. Material changes will be shown in the portal before you next connect an account.
Transfer
We may transfer these terms to a company that takes over the Synci business, including a limited company established on incorporation of the current sole proprietorship. Your rights are not reduced by such a transfer.
Governing law
These terms are governed by Norwegian law. Disputes are subject to the courts of Norway, with Bergen District Court (Bergen tingrett) as legal venue. Mandatory consumer protection rules in your country of residence are not affected.