These Terms of Service (“Terms”) form an agreement between Premore (“Service Provider”) and the user of the Exorda service (“User”).
Exorda is a personal finance tracking service provided by the Service Provider (“Service”). By starting to use the Service, the User accepts these Terms and the Privacy Policy related to the Service.
These Terms apply to the use of the Service and to all Exorda features that refer to these Terms.
The Service Provider is Premore (Business ID 1877355-4).
The Service is a personal finance tracking service that allows the User to record and view income, expenses, assets and debts.
The Service is provided as is. Features of the Service may be developed, changed or removed over time.
Using the Service requires creating a user account. The User is responsible for keeping login credentials confidential and for all activity under the User’s account.
The User must provide accurate and up-to-date information when creating a user account.
The User agrees to use the Service in accordance with the law, these Terms and the intended purpose of the Service.
The Service may not be used for illegal, unauthorised, harmful or rights-infringing purposes.
The User must not interfere with the operation of the Service, bypass access controls, probe or test the Service for vulnerabilities without authorisation, place an unreasonable load on the Service, transmit harmful code, or use the Service in a way that compromises the security or privacy of the Service or the confidentiality of other users’ data.
The User must not share data made available by another user in the Service outside the Service without that user’s permission.
The Service Provider may restrict, suspend or terminate the User’s access to the Service if the User materially breaches these Terms or if the User’s activity endangers or may endanger the security or operation of the Service, or the confidentiality of other users’ data.
The User retains the rights to the data the User enters into the Service.
The Service Provider may process data entered by the User into the Service to the extent necessary to provide, maintain and protect the Service, and in accordance with these Terms and the Privacy Policy.
The User is responsible for ensuring that the information entered into the Service is, to the best of the User’s knowledge, accurate, up to date and based on sources available to the User. Such information may include, for example, income, expenses, assets, debts, loan details, interest rates, reference rates, interest review dates, payment amounts and other information related to personal finance tracking.
Calculations, summaries, forecasts and estimates produced by Exorda are based on the information entered by the User, the settings of the Service and the calculation rules used in the Service. The User should verify material information from original sources, such as the User’s bank, lender, contracts, invoices or other official sources.
If the User adds to the Service a loan or other debt that refers to an external reference rate or benchmark, such as Euribor, the User confirms in good faith that the loan or debt is based on an existing agreement or other valid arrangement between the User and the User’s lender.
Exorda may use reference rate information only to support user-specific loan calculations, estimates and interest review contexts inside the Service. Exorda does not provide reference rates as a separate market data service and does not publish a daily reference-rate feed to users.
A reference rate shown in the Service may be shown only in connection with setting up an individual loan, an interest review point or a related calculation. The User should verify the applicable rate, interest review date, margin, payment amounts and other loan terms from the User’s loan agreement or lender.
Exorda’s calculations are informational estimates and do not replace lender communications, loan agreements, official reference-rate sources or any other document binding on the User.
If the User enters, pastes or otherwise provides bank or payment transaction data into the Service for reconciliation or other processing, the User is responsible for ensuring that the User has the right to use that data for personal finance tracking.
Exorda uses reconciliation and bank data only to perform the function requested by the User, such as previewing transactions, reconciling them or saving transactions approved by the User. Exorda is not a bank, payment service, account information service or official accounting system.
Unless the Service expressly states otherwise, raw bank data is not intended to be stored permanently in the Service. The User should review reconciliation results before using them as a basis for decisions or further processing.
The Service may be offered as a paid service. Pricing and payment terms are presented at the time of subscription.
A subscription may be cancelled at any time. Paid features remain available until the end of the current billing period.
The Service Provider aims to provide the Service reliably, but does not guarantee uninterrupted availability. Use of the Service may be temporarily interrupted, for example, because of maintenance, updates, technical issues or security reasons.
The User may stop using the Service and start the deletion of the User’s account in the Service at any time.
Account deletion can be completed automatically if there is no blocker related to active billing, workspace ownership or access rights in shared workspaces.
If the User has an active paid subscription or paid access right, account deletion requires that the billing period or paid access has first ended, or that billing has otherwise been resolved.
If the User is the only owner of a shared workspace, account deletion requires that another owner is added to the workspace, ownership is transferred to another user, the workspace is made private, or the workspace is deleted separately. A shared workspace may remain available to other users if another owner remains in the workspace.
If the User owns private workspaces, those workspaces and their data are deleted together with the user account. Deletion is permanent and cannot be undone.
After account deletion, some necessary technical, billing, security or abuse-prevention data may be retained where required by law, contract or the security of the Service.
The Service Provider may suspend or terminate the User’s access to the Service if the User materially breaches these Terms, or if required by law, an authority order, security reasons or the safe operation of the Service.
The Service is intended for informational purposes only and does not constitute financial, legal or tax advice.
The Service Provider is not liable for the inaccuracy, incompleteness or outdatedness of information entered by the User, nor for decisions made based on information, calculations, estimates or forecasts shown in the Service.
The Service Provider is not liable for indirect damages to the extent permitted by law. This section does not limit the User’s mandatory rights under consumer protection law.
Personal data is processed in accordance with the Privacy Policy of the Service.
These Terms are governed by Finnish law. Any disputes shall be resolved in the competent courts of Finland.
The Service Provider may update these Terms when necessary. The current version is always available in the Service.