Terms
1. Who we are, and this agreement
Payce is run by Georgy Kikvidze, trading as Shynekrystal, KVK 99643138, Amsterdam, the Netherlands (“we”). These Terms are the agreement between you and us for the Payce app and the pages it shares. You accept them when you sign in — “By continuing you agree to the Terms” — and the app records which version you accepted. Our Privacy Notice says what we do with your data.
2. What Payce does
Payce shows what you have left to spend this week, after your bills, your savings goals and the occasional costs your cycle sets aside. You can feed it by typing your balances, income, bills and spending, or by connecting your bank on a paid plan. It also tracks your goals, budgets, loans and investments, and lets you share a wishlist.
3. Read-only, and never your money
- Payce never moves money, makes payments or holds funds. Moving money to a goal is something you do at your bank.
- A bank connection is read-only. It goes through Enable Banking, a licensed account information service provider: you sign in at your bank, in your phone’s browser, and agree there to what is shared. Payce never sees your bank login.
- A connection lasts as long as your bank allows — usually about 90 days — and then your bank asks you again. You can end it at any time by removing the account in the app, or at your bank.
4. Not advice
Payce’s figures are arithmetic on what you and your bank tell it: a weekly allowance, a budget, whether a goal can be reached by its date. They are estimates, and they are only as right as the data behind them. Nothing in Payce is financial, investment, tax or legal advice. The investment tracker shows the value of the positions you enter at market prices; it never recommends buying, selling or holding anything. The decisions are yours.
5. Who can use Payce
- You must be 18 or over. We don’t verify age.
- Payce is for your own personal use, not for a business.
- It is offered in the European Economic Area.
- Your account is yours alone. Keep your phone and your sign-in secure, and tell us if you think someone else has used your account.
6. Plans
| Free | Pro | Max | |
|---|---|---|---|
| Bank accounts connected | none | up to 5 | up to 12 |
| Everything else | all | all | all |
Free has every feature, fed by what you type. Pro and Max add bank connections, which keep your figures current on their own.
How accounts are counted. Every account your bank returns and Payce keeps counts as one: each IBAN, each currency of a multi-currency account, each card, and each pocket or savings space your bank reports as an account. What you keep by hand — cash, a typed balance, stated savings, assets — never counts. When one connection brings more accounts than your plan has room for, the app keeps current accounts first, then savings and pockets, then cards, and the rest are not stored. To swap one, remove an account and connect again.
7. Subscriptions
- Sold by the store. Pro and Max are sold and billed by Apple through the App Store, or by Google through Google Play, under the store’s terms. The price, in your currency and with VAT, is the one the store shows before you confirm.
- Renewal. A subscription renews automatically at the end of each month or year, at the same price, until you cancel. On the App Store, cancel at least 24 hours before the period ends, or the next one is charged; on Google Play, cancel before the renewal date.
- Free trial. Where a plan offers one, the store shows its length before you confirm. When it ends, the subscription starts and is charged, unless you cancel before — on the App Store, at least 24 hours before.
- Cancelling. In the app: Settings → Plan → Manage or cancel subscription, which opens the store’s own controls. Or in your Apple ID or Google Play settings. After you cancel, your plan lasts to the end of the period you paid for.
- Changing plan. Moving up takes effect at once; moving down takes effect at your next renewal.
- Refunds and your right of withdrawal are handled by the store that sold the subscription, under its own policies and the law that applies to it.
8. When a subscription ends, or you move to a lower plan
- The bank accounts your plan no longer covers stop syncing, and their bank connection is ended. On Free that is all of them; on a lower paid plan, the most recently connected ones over its limit.
- They are deleted, with their transactions, 30 days later — unless, before then, you subscribe again and reconnect your bank, which brings them back.
- Everything you typed stays. If no bank account is left syncing, the app carries on as Free, starting from your last bank balances as a balance you keep yourself.
9. Shared wishlists
A wishlist you share can be opened by anyone with its link, and shows only what you put on it. You are responsible for what you share. Visitors can reserve a thing by typing a name; they must not type anything unlawful or abusive, and we may remove what is. You can stop sharing a list at any time.
10. Using Payce fairly
Don’t use Payce for anything unlawful; try to reach anyone else’s account or data; probe, overload or interfere with the service; take its data by automated means; or copy or reverse-engineer it beyond what the law allows you to.
11. Other services Payce relies on
Your bank, Enable Banking, Apple, Google and our market-data sources each run their own services. A bank may stop sharing data or share it late; prices may be delayed or missing. When that happens Payce says so rather than guessing, but we can’t promise what those services do.
12. Changes to Payce
We keep improving Payce, and features may change. We don’t take away what a paid plan includes — the bank accounts it connects — while a period you paid for is running. If we ever close Payce, we tell you at least 30 days before.
13. Liability
We build Payce with care, but we can’t promise it is always available or free of errors. As far as the law allows, we are not liable for indirect or consequential loss, or for decisions you make using its figures.
Nothing in these Terms limits our liability for intent or gross negligence, for death or personal injury caused by our negligence, or the rights the law gives you as a consumer — including your right to a service that conforms to what we promised.
14. Ending this agreement
You can stop using Payce at any time, and delete your account in Settings → Delete account; that deletes your data as the Privacy Notice describes. Deleting your account cancels a Google Play subscription; an App Store subscription keeps billing until you cancel it in your Apple ID settings, so cancel it first.
We may suspend or close an account that seriously breaks these Terms or the law, telling you why where we can.
15. Changes to these Terms
Each version carries its date at the top. When we change these Terms, the app asks you to accept the new version before you carry on. If you don’t want to, you can delete your account instead.
16. Law and disputes
Dutch law governs these Terms. If you are a consumer living elsewhere in the EU, you also keep the protection of the mandatory law of your own country, and may bring a claim in its courts. Please contact us first — most things are quicker to put right directly.