Terms of Service

By creating an account, paying for Premium, or otherwise using BeClevr, you accept these Terms. If you do not accept the Terms, you must not use the service.

If there is a conflict between the Danish and English versions, the Danish version prevails for users in Denmark.

BeClevr is a digital budgeting and personal-finance application (web and native app, currently Android). It helps you track income, expenses, savings, subscriptions, receipts, file imports and related overviews. The service may be offered in free and Premium variants. When bank integration is enabled, you may optionally connect your bank via open banking through Subaio as described in section 9. You may also share selected budgets and accounts in a household (section 10). Features may change, expand or be limited over time.

BeClevr is not a bank, payment institution, investment adviser, tax adviser or insurance intermediary. We do not execute payment transactions on your behalf (other than facilitating your Premium subscription via Stripe), and we do not hold or manage your money.

From time to time we may run a launch/beta mode where Premium features are temporarily available without payment. That does not change these Terms for paid subscriptions when billing is enabled.

You must be at least 18 (or the age of majority in your country) to create an account and enter a Premium agreement. If you are under 18, you may only use the service with parental or guardian consent where the law allows.

You represent that the information you provide is accurate and that you are entitled to use the service.

You are responsible for maintaining the security of your account and password, and for all activity under your account. You must not share your login or allow unauthorised access. Household (section 10) is an invitation to shared data — not password sharing.

You may enable two-factor authentication (TOTP) and — in the native app — biometric/device lock. Notify us promptly at support@becleva.com if you suspect unauthorised use. We may require verification before assisting with account access.

You retain ownership of the content and data you enter or import (e.g. budgets, expenses, receipt images, notes and file imports such as CSV/Excel/JSON), to the extent permitted by law. Bank data forwarded via Subaio is not owned by BeClevr; we host it solely to provide the service.

You grant us a limited, worldwide, non-exclusive licence to host, process, display and back up your content solely to provide, maintain and improve the service — including via our processors as described in the privacy policy and, for household, display to members you invite.

You are responsible for having the right to upload, import and process the content you put into BeClevr. We do not claim ownership of your financial data.

Premium is offered as a subscription (typically monthly or yearly), paid through Stripe. Prices, currency, period and whether VAT is included are shown before purchase in the app or on the pricing page. Card payments are handled by Stripe; we do not store full card numbers.

When billing is enabled, Premium as a starting point includes bank connection and household. Budget, AI, file import, receipts, subscription overview and similar features may be available without payment. The exact free and Premium scope is shown in the app and may change with notice under section 15.

The subscription renews automatically for the selected period unless you cancel before the renewal date via the Stripe Customer Portal, in-app subscription settings, or by contacting us. Cancellation takes effect at the end of the already paid period; you keep Premium access until then unless otherwise agreed.

We may change prices with reasonable notice (e.g. by email or in the app) before the next renewal. Continuing the subscription after the change takes effect means acceptance of the new price; otherwise you may cancel before renewal.

In addition to statutory rights, we offer a commercial 14-day money-back guarantee from the first payment for a new Premium subscription. No refunds after 14 days unless there are material technical issues on our side, or the law requires otherwise. Contact support@becleva.com to request a refund under the guarantee.

If you are a consumer in the EU/EEA/Denmark, you generally have a 14-day right of withdrawal when purchasing digital services at a distance, under applicable consumer law.

When you purchase Premium and request that delivery start immediately (or access is activated right after payment), and you expressly agree that the withdrawal right is lost once performance has begun, the withdrawal right may be limited or lost for the commenced digital service — to the extent permitted by law.

Our 14-day money-back guarantee (section 6) applies regardless of the above, unless you have already received a full refund under the statutory withdrawal right. To exercise withdrawal or the guarantee, email support@becleva.com with your account email and purchase date.

Nothing in these Terms limits your mandatory consumer rights.

Certain features (often Premium) may use artificial intelligence via our secure backend — e.g. automatic categorisation of transactions or file imports, receipt scanning (image/OCR), and financial insights or assistant features.

AI processing is assistive. Output is indicative, may contain errors and does not constitute financial, legal or tax advice. We do not make solely automated decisions with legal or similarly significant effects concerning you (GDPR Art. 22). You can generally correct AI-suggested categories manually and should verify amounts and suggestions before making decisions.

For categorisation and similar text features we typically send only what is necessary — e.g. transaction descriptions and amounts — not your full name, email or bank login credentials. For receipt scanning, relevant image or text excerpts may be sent. Processing is carried out by our AI provider (currently OpenAI) and may involve transfers outside the EU/EEA, protected by the EU Commission’s standard contractual clauses (SCCs), as described in the privacy policy. Data is used solely to deliver the feature you activated.

When bank integration is enabled and you choose to connect a bank, account information is obtained via Subaio ApS, CVR 37766585, Gasværksvej 26B, 1. sal, 9000 Aalborg, Danmark ("Subaio"). Subaio is an authorised account information service provider (AISP) under the supervision of the Danish FSA (Finanstilsynet). BeClevr is not itself a bank, payment institution or AISP and does not execute payment transactions on your accounts.

The explicit PSD2 consent to retrieve bank data is given to Subaio. You choose which accounts to connect and authorise access with your bank (typically via MitID in Denmark or the bank’s own secure login in other supported countries). Subaio then forwards relevant account, balance and transaction data to us — including descriptions, merchant names and logos, categories and recurring-expense information when Subaio provides them — so we can show overviews, budgets, subscriptions and related features. We have read-only access and cannot move money, initiate payments or change anything on your accounts. BeClevr does not ask for a bank PIN.

Subaio is an independent controller for the PSD2 processing you consent to with them. BeClevr is the controller for the bank data we then host on your account. By connecting, you also accept Subaio’s terms for the service and their PSD2 privacy policy: https://subaio.com/psd2-privacy-policy/ (English) and https://subaio.com/psd2-privacy-policy-da/ (Danish). Questions about Subaio’s processing: dpo@subaio.com.

We do not store your bank login credentials, MitID codes or bank passwords. Technical tokens for synchronisation are handled via Subaio and our secure backend.

You may only connect payment accounts you are entitled to access. If you connect a joint account, the data may include information about other persons; you are responsible for ensuring that use is lawful and fair towards them.

The bank connection typically must be renewed about every 180 days (or more often if your bank requires it). You can revoke access in the app settings (where supported), via Subaio or with your bank. Disconnecting and deleting your BeClevr account causes us to ask Subaio to delete your user with them. Already synchronised data in BeClevr is handled under the privacy policy.

The feature may be limited to certain countries, banks or Premium. Bank data, categories and insights may be incomplete. We are not liable for the bank’s or Subaio’s errors, downtime, incomplete data or refused connections, except to the extent mandatory law requires otherwise.

When household is enabled, you may create or join a household and share selected budgets and bank accounts with other BeClevr users you invite. You may only invite people who are entitled to see the shared data. Members can view shared accounts and postings and recategorise them. The bank connection itself is synced only by the account owner and is not shared as a login.

You are responsible for whom you invite and for removing access when it should no longer apply. Household may require Premium.

You must not: (a) use the service for illegal purposes; (b) attempt to hack, bypass security or unreasonably burden the service; (c) copy, reverse-engineer or resell the service except where mandatory law allows; (d) spam or send malicious content; (e) misuse AI or import features to process others' data without a lawful basis; (f) connect another person’s payment accounts without authority; (g) create accounts in an automated or large-scale way without our written permission.

All content on BeClevr, including design, logos, trademarks and software (excluding your own user content), is protected by copyright and belongs to BeClevr or its licensors. You must not copy, modify or distribute it without permission, except where mandatory law gives you that right.

BeClevr is a budgeting and planning tool and does not constitute financial, investment, tax or legal advice. Content, calculations and any AI suggestions are for informational purposes only. Nothing in the service should be interpreted as a recommendation to buy, sell or dispose of securities, loans, insurance or other financial products.

The service is provided "as is" and "as available". We do not warrant completeness, timeliness or accuracy of data or calculations, and we do not guarantee uninterrupted, error-free or fully secure operation. You use the service at your own risk and should verify important figures and decisions yourself and seek professional advice where appropriate.

To the extent permitted by law, we are not liable for indirect loss, consequential damage, lost profits, data loss or loss arising from reliance on calculations or AI output. Our aggregate liability for claims arising out of or in connection with the service in any 12-month period is limited to the amount you paid us for Premium in that period (or DKK 500 if you have not paid).

Nothing in these Terms limits liability for wilful misconduct, gross negligence, personal injury or other matters that cannot lawfully be excluded or limited towards consumers. Your mandatory rights under Danish and EU consumer law remain unchanged.

You may delete your account at any time in settings and cancel Premium as described in section 6.

We reserve the right to suspend or terminate your account if you materially breach the Terms, abuse the service, create a security risk, or if we are required to do so by law. On termination your access to content may end, subject to your rights to data export and deletion under the privacy policy and the GDPR.

We may update these Terms. For material changes that affect your rights or obligations, we will notify you by email and/or in the application at least 30 days before they take effect, unless faster effect is required by law or security.

If you do not accept material changes, you may cancel the subscription and/or delete your account before they take effect. Continued use after the effective date means acceptance of the updated Terms, subject to mandatory consumer rights. The "Last updated" date changes when the Terms are revised.

Events beyond our reasonable control — including natural disasters, strikes, power outages, major cyberattacks, regulatory orders or failure of critical subcontractors (e.g. bank, Subaio, Stripe or hosting) — may cause delays or temporary limitations. We will endeavour to mitigate effects and resume normal operation. This does not limit your rights under mandatory consumer law in case of material or prolonged non-performance.

These Terms are governed by Danish law, without regard to conflict-of-law rules that would lead to another country's law.

If you experience problems, contact us first at support@becleva.com.

If you are a consumer, you may bring complaints via Nævnenes Hus / the Danish Consumer Complaints Board (www.forbrug.dk / www.naevneneshus.dk) or use the EU Commission’s Online Dispute Resolution platform: https://ec.europa.eu/consumers/odr. You may complain to the Danish Consumer Ombudsman about unfair terms or marketing (www.forbrugerombudsmanden.dk). Privacy complaints: Datatilsynet (www.datatilsynet.dk). You may also bring proceedings in the courts of your country of residence to the extent mandatory consumer law gives you that right.

If you are a business user, disputes shall be resolved by the Danish courts with venue at our home court, unless otherwise mandatorily required.

Processing of personal data is described in our privacy policy, which fulfils our GDPR information obligations. The privacy policy is available on the same website/app as these Terms.

BeCleva ApS, Vejlevej 86, 6000 Kolding, Danmark. Email: support@becleva.com. CVR 46636538.