Terms of use

Last updated November 13, 2026

These terms cover use of the Bo&Nyckel site, creating an account, access to the free and Premium plans, and the rights and duties of each user.

1.The service

Bo&Nyckel offers an app for linking bank accounts, tracking spending, and keeping a personal budget. The service is provided by Bo & Nyckel, LLC (EIN 82-1229851), 40 Eudora St, Denver, CO 80220, United States, referred to below as the Company, to anyone who creates an account under these terms.

2.Creating and managing your account

Using the service requires an account with a valid email address. You agree to give accurate information and to keep your sign-in details private. Activity on an account is treated as the account holder’s activity.

The Company may suspend or close an account that violates these terms, including in cases of fraud or a threat to the security of the service.

3.Plans, prices, and taxes

The service has a free plan with limited features and a paid Premium plan with more features, including automatic bank sync. A free seven-day demo gives full access with no card required; when it ends, you keep the free plan unless you choose Premium. Prices on the site are in U.S. dollars. Unless we say otherwise, they do not include applicable sales tax.

4.How payment works

Premium is paid by the method shown on the site at signup. The subscription renews automatically on a regular schedule until you cancel, on the terms shown when you subscribe.

5.Term, start, and renewal

Premium access starts when payment is confirmed and continues for the term you chose. Unless you cancel first, the subscription renews for the same length of time at the price then in effect.

6.Cancellation and changes

You can cancel Premium at any time in your account settings. Cancellation takes effect at the end of the period you already paid for, unless a law, such as a state cancellation right for subscriptions bought online, requires something else. The Company may change features or prices with reasonable prior notice.

7.Your responsibilities

You agree to use the service for its intended purpose, not to try to access data that is not yours, and not to disrupt the site or the app. Connecting a bank account is your responsibility.

8.Intellectual property

Text, interfaces, logos, and content on the site and in the app remain the property of the Company or its partners. You may not copy, adapt, or distribute them without the Company’s prior written consent.

9.Limitation of liability

The service is provided as is. It does not promise any particular result from the financial decisions you make. To the extent the law allows, the Company is not liable for indirect losses from using the service.

10.How we handle complaints

You can send a complaint about the service to the support team using the contact details on the site. The Company aims to handle each complaint within a reasonable time and to propose a fitting response.

11.Governing law and venue

These terms are governed by the laws of the State of Colorado and the applicable laws of the United States, without regard to conflict-of-law rules. Disputes are brought in the state or federal courts located in Denver, Colorado, except where a law that protects consumers says otherwise.