Terms and conditions

Who this agreement is between

These terms are the agreement between you and whoever runs Linkly:

They apply to your use of the Linkly app in your browser, the Linkly app on your phone and this website. What happens to your data is in the privacy statement.

What Linkly is, and what it is not

Linkly brings your payments, receipts, invoices, payslips and the email about money together in one place, reads them, puts together what belongs together and shows you where your money goes.

• Not an accountant. Linkly gives you an overview. It does not check or approve your records.
• No tax, financial or legal advice. An overview, a category or an answer from Ask Linkly is information, not advice. Your tax return and your money decisions stay yours. Ask a professional when it matters.
• Not a bank. Linkly reads your payments. It cannot make a payment, move money or change anything at your bank.
• Not the place for your only copy. Keep the originals you need to keep.

AI can be wrong

Linkly reads your documents and email with AI. Most of the time that goes well; sometimes it does not. An amount, a date or a shop can be read wrong, a line can be missed, a payment can land in the wrong category, a receipt can be matched to the wrong payment, and an email about money can be sorted as something else. An answer from Ask Linkly can be wrong too.

So check what matters before you rely on it. Linkly helps: To check lists what it is unsure about, the source is shown next to the result, and you can correct everything.

Linkly is still being tested

Linkly is in development and not open to everyone yet. Using it costs nothing today.

In this period features can change or go, there can be faults, and Linkly can be unavailable for maintenance or because something broke. Linkly does its best to keep things working and your data safe, but does not promise that Linkly is always available.

Linkly depends on others: your bank, the service that connects to your bank, your email provider, the AI service. When one of them fails or changes, part of Linkly can stop for a while.

Your account

• Linkly is for private use: your own finances, those of your household, and your own records as a freelancer. You are 18 or older.
• Give your real name and an email address you can be reached on.
• Keep your login to yourself. To let someone else in, invite them to an administration; do not share your password.
• Think someone else got into your account? Tell us at once: info@linkly.me.

What you bring in

• Connect only bank accounts and email accounts that are yours, or that their owner lets you connect. Upload only documents you are allowed to have.
• Your records hold details of other people: the name on a payment, an account number, the sender of an email. Use them for your own finances only.
• When you invite someone to an administration, as Member or Read-only, they see everything in it, the email kept there included. You choose who, and you can remove them again.
• In this test period you connect a bank through an Enable Banking account of your own. Enable Banking’s own terms apply to that account.

What is not allowed

• Using Linkly to break the law or to harm someone else’s rights.
• Trying to get at other people’s data, or testing Linkly’s security without asking first. Found a weak spot? Email info@linkly.me.
• Overloading Linkly, or reading it out with automated tools.
• Selling Linkly on, or offering it to others as your own service.
• Uploading files that are meant to do damage.
• Making several accounts to get around the limits of a plan.

If you do one of these, Linkly can limit or close your account: see Stopping.

Your data stays yours

Everything you bring into Linkly stays yours. You allow Linkly to store it, read it and work with it for one purpose: giving you Linkly, as the privacy statement describes. Linkly does not sell it, does not use it for advertising and does not train AI models with it.

Linkly itself, the software, the design and the name, stays Linkly’s. You may use it for yourself for as long as you have an account.

You can delete a record, an administration or your account at any time. A deleted administration can be brought back for 30 days and is then removed from Linkly for good; backups run out after at most 190 days. You delete your account in the app in your browser, under Your account, or in the app on your phone, under Settings. If deleting your account does not work, write to info@linkly.me.

Want a copy of your data? There is no download button yet. Email info@linkly.me and you get it sent to you.

Plans, credits and paying

Every account starts on the Free plan, which comes with a fixed number of credits every month. How many, and how many you have used, is in the app under Your account › Plan & billing. Reading by AI uses credits; one receipt takes a fraction of a credit. When your credits are used up, new reading by AI waits until the next month. Nothing is lost in the meantime.

The app also names paid plans, Premium and Duo. They cannot be bought yet: Linkly takes no payments today.

Before paid plans open, these terms get a new version that says how paying works. The main points are fixed by law for you as a consumer:

• You see the full price, VAT included, before you order.
• You have 14 days to change your mind, without giving a reason, counted from the day you order.
• If you ask Linkly to start at once and change your mind within those 14 days, you pay only for the days you used.
• A plan that has renewed itself can be ended at any time, with at most one month’s notice.

Stopping

You can stop whenever you like: delete your account and it is over.

Linkly can limit or close your account when you seriously or repeatedly break these terms, or when that is needed to protect other people or Linkly itself. Linkly tells you why. Unless there is a hurry, you get a warning first and the chance to put it right, and you can still get a copy of your data, unless the law forbids it.

If Linkly stops altogether, you hear it by email at least 30 days ahead, so that you can take your data with you.

When Linkly changes

Linkly keeps changing: features are added, improved and sometimes removed. If a change clearly makes worse something you rely on, Linkly tells you ahead of time where it can. You are never tied in: you can stop at any moment.

If something goes wrong

Linkly has to do what these terms say, with proper care. If Linkly falls short and you suffer damage because of it, the law decides what Linkly owes you. Nothing in these terms takes that away.

Some things are not Linkly’s to answer for:

• a decision you took on a figure in Linkly, where a look at the source would have shown the mistake (see AI can be wrong);
• faults at your bank, your email provider, your phone, your internet connection or another service Linkly has no say over;
• someone using your login because it was not kept safe;
• what a person you invited does with what they can see.

Linkly is free while it is being tested. Use it that way: do not make it the only place where something important lives.

None of this limits Linkly’s liability for damage it causes on purpose or through gross carelessness, or wherever the law does not allow a limit.

Complaints and the law that applies

Something not right? Email info@linkly.me. You get an answer within 14 days.

Dutch law applies to this agreement. If you live in another EU country, you keep the protection of the consumer law of that country that cannot be set aside by agreement. A dispute goes to the Dutch court; as a consumer you may also go to the court of the place where you live.

When these terms change

The date at the top says when these terms last changed. A change that matters to you is announced by email at least 30 days before it takes effect. If you do not agree, you can stop and delete your account; if you go on using Linkly after that date, the new terms apply. A small change, such as a clearer sentence or a new feature, takes effect when it is published here.

If one part of these terms turns out not to hold, the rest stays as it is.