Terms of Use — Kontokollen

Last updated: 2026-07-08

Kontokollen (the “Application”) is a personal finance application provided by RedLin PM AB (“we”, “us”). By using the Application — as a web application or as a mobile application — you agree to these Terms of Use. If you do not agree, do not use the Application.

1. The service

The Application displays your own bank account information — accounts, balances, and transactions — retrieved with your explicit consent through Enable Banking Oy, a licensed account information service provider (AISP) under PSD2. The service is read-only: it cannot initiate payments, transfer money, or change anything in your bank accounts. How your data is handled is described in our Privacy Policy, which forms part of these terms.

2. Eligibility and your responsibilities

• You may only connect bank accounts that you are entitled to access.
• You must be of legal age to hold the underlying bank agreement.
• You authenticate directly with your bank (for example with BankID); you are responsible for keeping your devices and bank credentials secure, and for complying with your bank's own terms.
• You may withdraw a bank consent at any time — in the Application (“Koppla från”), at your bank, or by contacting us.

3. Not financial advice

The Application presents and categorizes your transaction data for your own overview. Categorizations, summaries, and insights are automated and may be incomplete or wrong. Nothing in the Application constitutes financial, investment, tax, or legal advice. Bank data may be delayed or incomplete as delivered by your bank — always verify against your bank's own records before making decisions.

4. Third-party services

Account information is processed by Enable Banking Oy under their own terms and privacy policy, and your bank's terms apply to your bank relationship. We are not responsible for the availability or correctness of data delivered by banks or third-party services.

5. Availability and changes

The Application is provided free of charge and “as is”, without any promise of availability or support. We may change, suspend, or discontinue the Application, or these terms, at any time. Updated terms are posted on this page with a new date and apply immediately. Continued use after a change constitutes acceptance.

6. Intellectual property

The Application, its design, and its content (excluding your bank data, which is yours) belong to RedLin PM AB or its licensors. Bank and merchant names and logos belong to their respective owners and are shown for identification only.

7. Limitation of liability

To the maximum extent permitted by applicable law, RedLin PM AB is not liable for any indirect or consequential damage, loss of data, or loss arising from decisions made based on information shown in the Application, from unavailability of the service, or from errors in data delivered by banks or third parties. Nothing in these terms limits rights you have under mandatory consumer protection law.

8. Termination

You can stop using the Application at any time; disconnecting your banks in the Application revokes its access to your account information. We may suspend or terminate access to the Application if it is misused or if we discontinue the service.

9. Governing law

These terms are governed by Swedish law. Disputes are resolved by Swedish courts, without limiting your rights as a consumer to bring proceedings in your country of residence.

Contact

Questions about these terms: kontokollen@redlin.se.