1. General

1.1 These general terms and conditions (the “Terms”) apply when Tink AB, reg. no. 556898-2192, Vasagatan 11, 111 20 Stockholm, Sweden, e-mail: info@tink.se, (“Tink”) provides its account information service that you access via the web or an app of a cooperation partner (“Partner”) of Tink’s (the “Service”).

1.2 To use the Service, you must be at least 18 years of age and/or otherwise be authorized to enter into contracts, and agree to be bound by the Terms.

1.3 By activating and using the Service, you agree to and accept the Terms.

The summary points are not part of the terms.

• Tink provides an account information service for everyone aged 18 or older.
   

• When you activate and use Tink’s Service, you also enter into a contract with Tink.

2. The service

2.1 When activating and using the Service, you authorize Tink to access to your login details for third parties, such as banks and other service providers (“External Login Details”). By activating the Service you agree to and instruct Tink to on your behalf use your External Login Details to download information from the specified external user accounts and agree to these third parties providing Tink with the information (“Information”) and to Tink sharing the Information with Partner. The Information may include personal data, which is processed in accordance with the Tink Technology Integrity Policy.

2.2 You are responsible for ensuring that you are entitled to use the External Login Details and Information in the Service. You are also responsible for all use of the Service and for ensuring that your login details used for access to the Service are kept safe from unauthorized access.

2.3 Tink provides the Service to you free of charge to you. Traffic charges imposed by your mobile phone operator or internet provider may apply. For Partner’s provision of services, Partner’s terms and conditions apply.

• When you use Tink’s Service, you allow us to collect data, from e.g. your bank and other services, on your behalf.
  

• Tink provides the Service free of charge.

3. Permitted use

3.1 It is not permitted to copy, modify, distribute or publish content provided by Tink. Misuse or other inappropriate use of offers or other misuse of the Service is not permitted.

3.2 You are responsible for and guarantee that:

(i) The Information you upload in the Service does not violate anyone else’s rights and is not otherwise in breach of applicable law or others’ rights.

(ii) You have the right to dispose of the External Login Details and the Information and have obtained such consents as required for the use of the Service and for Tink providing you with the Service.

• The Service is for your personal use and may not be misused.
   

• Only add Information that is your own or that you are authorized to use to the Tink Service.

4. Breach of contract and liability

4.1 Tink has the right to, at any time, suspend a user from its use of the Service if the user is in breach of the Terms or otherwise uses the Service in a manner that may cause damage to Tink or a third party.

4.2 Tink aims to ensure that all information in the Service is correct and as up-to-date as possible. However, Tink cannot guarantee the availability of the Service or the reliability or accuracy of the information presented in the Service. Tink cannot be held accountable for the Service being unavailable or if any information or functionality does not work as expected.

4.3 Tink shall not be liable for any financial or other decisions made by you based on the use of the Service or for services or goods that you choose to buy from independent third parties or Tink’s collaboration partners, including Partner.

Neither party is responsible for delay or loss which is due to circumstances that the party has no control of and which significantly obstructs the fulfilment of the obligation in question or which results in the fulfilment of the obligation not being financially justifiable.

If you are in breach of the terms or cause us damage, we are entitled to close your access to the Service.

We will do our outmost to ensure that all information in the service is correct, but we cannot guarantee that errors never occur.

5. Force Majeur

Neither party is responsible for delay or loss which is due to circumstances that the party has no control of and which significantly obstructs the fulfilment of the obligation in question or which results in the fulfilment of the obligation not being financially justifiable.

Neither we nor you are responsible for circumstances outside of our respective control.

6. Changes to the Terms

Tink has the right to, at any time, change the Service, change these Terms or cease providing the Service. Tink shall notify the user of changes to the Terms via its website, changes may also be notified via the Partner, with reasonable advance notice. If you do not accept the changed Terms, you may stop using the Service and your contractual relationship with Tink will be terminated automatically twenty-four hours after your most recent activation of the Service.

We are allowed to make changes to the terms, but must inform you well in advance.

7. Termination of Service

The Service is provided instantly upon your activation and use thereof, and is terminated automatically twenty-four (24) hours after activation. If you would like to use the Service again, a new twenty-four (24) session is started upon your request of Tink providing the Service. Upon termination of each twenty-four (24) hour session, Tink will delete all External Login Details and all other information that is referable to you, however, excluding such information that Tink is required by law to store and archive, or if needed to protect Tink’s legal interests, e.eg. in the event of an ongoing legal proceeding.

You may stop using the Service at any time, and we will delete your personal data.

8. Complaints

We cherish our customers. We are keen to know if you are discontent with us and aim to address all comments and feedback as soon as possible.

Written or oral complaints shall, at first-hand, be directed to:

Tink AB
Complaint Officer: Victoria Sörving
Vasagatan 11
111 20 Stockholm
Sweden
Telephone: +46 8 50 90 89 00
E-mail: support@tink.se write ”Complaint” in the subject field.

Customers may also request the customer support function to forward a complaint to the Complaint Officer. If you should remain discontent after having been in contact with us, you may contact the Swedish Consumers’ Banking and Finance Bureau, which is an impartial organ providing customer information and information in matters of a financial nature.

THE SWEDISH CONSUMERS’ BANKING AND FINANCE BUREAU
P.O. Box 242 23
SE - 104 51 Stockholm
Sweden
Telephone: +46 8 24 30 85

You can also contact the Swedish National Board for Consumer Disputes (ARN) which is an impartial authority that tries disputes between consumers and companies and issues recommendations on how the dispute should be resolved.

THE SWEDISH NATIONAL BOARD FOR CONSUMER DISPUTES (ARN)
P.O. Box 174
SE - 101 23 Stockholm
Sweden

• If you are discontent with us you may contact Tink’s Complaint Officer.
  

• If you should remain discontent, you may contact the Swedish Consumers' Banking and Finance Bureau and/or the Swedish National Board for Consumer Disputes (ARN).

9. Miscellaneous

9.1 Tink has the right to transfer its rights and obligations under these Terms. Further, Tink has the right to engage subcontractors for the fulfilment of its obligations.

9.2 Disputes arising from or relating to these Terms or your use of the Service shall be governed by Swedish law and finally settled by the Swedish courts.

• In the unlikely event of a disagreement, Swedish law will govern.