Terms and Condition

1. Introduction

1. 1Here you can find the terms of supply of services available on https://www.corgee.co/ ("Web"), on our applications and/or directly via SMS ("App"). The Web and App (together referred to as the "Site") are operated by or on behalf of Corgee Technologies S.L. (Corgee, we, us and our). We are a limited company, registered in Spain. Our registered company number is B42761684, and our registered office is at Calle Llull 321, Barcelona, Spain, 08019.

1.2 Your completion of Corgee’s account registration process, including acceptance of these terms, shall form a binding agreement between Corgee and you for the provision of the services offered on the Site (Services). Use of your personal information submitted to us as part of the provision of the Services is governed by our Privacy notice and Cookies Policy.

2. Registration

2.1 To use any of the Services, you must first register to set up an account with us by completing the account registration form available on the Site.

2.2 You must be at least 18 year or over to accept these terms.

2. 3 It is your responsibility to ensure you satisfy all of the minimum eligibility criteria set out above before choosing to register with us. By doing so, you confirm to us that you do meet all of the minimum eligibility criteria.

2.4 To register, you must provide us with accurate, complete and up-to-date contact information, including email address and mobile telephone number. You are responsible for the information you provide to us. You must promptly update your Corgee account in the event of any changes to information you have provided.

2. 5 Registration is subject to approval by us in all cases, and we reserve the right, in our sole and absolute discretion, to decline any application for registration, without giving a reason. If we approve your registration, you will receive a notification from us.

2.6 We may be required by law to carry out checks (including checks with credit reference agencies) for the purposes of confirming your identity.

3. Complaints Procedure

3. 1 Complaints regarding any element of the Services provided by us can be sent to Corgee by emailing us at support@corgee.co

3. 2 If we fail to resolve your complaint to your satisfaction you may refer your complaint to CECA. Details are available on their website

4. Account Security

4.1 You are responsible for all activities that occur using your username and personalised security credentials and you must contact us immediately at support@corgee.co if you discover or suspect any unauthorised use of your Corgee account or error in the operation of your username and/or personalised security credentials.

4.2 In the event we become aware of any major operational or security incident affecting the Services which could have an adverse impact on your financial interests, we are required to notify you of the incident and measures you can take to mitigate the impact.

5. Provision of the Services

5.1 We may work with one or more third party financial service technology providers to access and retrieve your Account Information. For institutions that require compliance with PSD2 regulations, the Company partners with Salt Edge Limited (“Salt Edge”) to access, process, aggregate or analyse information from one or more payment or other financial accounts ("Linked Accounts") that you link to your Corgee account. By using the Service, you indicate that you have read and agree with the Salt Edge Terms of Service and Privacy Policy

5.2 Salt Edge requires that certain minimum terms are flowed down to you. By agreeing to these Terms of Service, you also agree to Salt Edge's end user terms which are available here

6. Linking Accounts

6.1 In order to use our Services you must link one or more payment or other financial accounts to your Corgee account. For this purpose we require account details from you which include your personalised security credentials relating to that account ("Linked Account Security Credentials") (these include usernames, access numbers, passwords, security questions and answers, token/SMS codes, multifactor information, biometric information, device information usernames, PIN). These details are required in order for us to access and collect information from your Linked Account and/or your associated Linked Account transactions to provide our Services. You are responsible for notifying us of any changes to the Linked Account information or Linked Account Security Credentials you have provided.

6.2 Any Linked Account Security Credentials you provide will either be communicated directly to your Linked Account provider through the Services, or will be collected, held and stored securely by Salt Edge. Salt Edge will not make your Linked Account Security Credentials available to any third party other than your Linked Account provider (or other issuer of Linked Account Security Credentials) and will only transmit them through safe and efficient channels in accordance with regulatory rules. Corgee itself will not at any time store your Linked Account Security Credentials.

6.3 Any Linked Account data that you provide, and any information obtained from your Linked Accounts, shall only be used by us or Salt Edge to enable us to provide the Services to you.

6.4 You must only link payment or other financial accounts that you are the account holder of.

7. Linked Account Access

7.1 When you link a payment or financial account to your Corgee account, we will use your Linked Account Security Credentials to access and collect information from your Linked Accounts in order to provide our Services. The information that we and/or Salt Edge will access and collect includes transactions on your Linked Account, the features and benefits of your Linked Account and details of any regular transactions you have set up on your Linked Account.

7.2 We will access and collect information from your Linked Account: on a daily basis in order to refresh the financial information displayed on your Corgee dashboard; if you have set up notification requests within your Corgee account, as and when required in order to provide you with the relevant notifications (and until such notification request has been cancelled by you); and whenever you send us a message through your Corgee account regarding your Linked Accounts in order to answer your message. You may remove a Linked Account from your Corgee account at support@corgee.co. Upon removal neither us or our parners will continue to access or collect information regarding the removed account.

7.3 In relation to our provision of the Services please note that our Services consist of the provision of information obtained from your Linked Account providers; we do not provide the information in your Linked Account nor have any responsibility for this information, it is the responsibility of your Linked Account provider to ensure that the information and data in your Linked Account is accurate and up to date; neither we or Salt Edge, will be responsible for any delays or errors caused by the delays or errors of your Linked Account providers; we cannot guarantee that your Linked Account providers will allow us or Salt Edge to access all or any information from your Linked Accounts; the information obtained from your Linked Account providers is provided to you on an "as is" basis and therefore no assurances are made that such data is accurate or up to date and neither we or Salt Edge will be liable for any losses you incur as a result of your reliance on that information; you are responsible for reviewing and notifying us of any discrepancies between the financial information provided to you through our Services and information provided to you directly from your Linked Account providers.

7.4 You should always confirm the information in your Corgee account with the information in your Linked Account. Should you wish to rely on any payment account or transaction information provided under the Service such that, if it were incomplete, inaccurate or out of date you could be prejudiced, you should check the information with the relevant payment account provider it has been obtained from.



8. Changes to the Service and Terms

8.1 We reserve the right to make changes to any Service and/or to these terms from time to time. We will always give you as much notice as we reasonably can of such significant changes.

9. Service Suspension and Termination

9.1 We may, from time to time, with or without prior notice, temporarily suspend the operation of any Service and/or the Site (in whole or in part) for repair or maintenance work or in order to update or upgrade any contents, features or functionality.

9.2 These terms will continue to apply until terminated by either party. We may, with or without prior notice, terminate any contract between you and us ("Contract") or suspend and/or terminate any Service and/or your use of your account in the event that you have breached any of these terms.

9.3 Upon termination of any Contract or Service or your account, for any reason: all rights granted to you under these terms will immediately cease; we will delete any information we hold regarding your Linked Accounts (including Linked Account Security Credentials); and you must promptly discontinue all use of the Service.

9.4 You may terminate your account at any time, but you must notify us if you wish to do so (see Contacting us).

10. Access to the Services

10.1 We may, from time to time, restrict access to certain features, parts or content of the Services, or even all the Services, to users who have registered with us. In particular, we reserve the right to disable your account, at any time, if in our opinion you have failed to comply with any of the provisions of these terms or if any details you provide for the purposes of registering as a user prove to be false.

10.2 We cannot guarantee the continuous, uninterrupted or error-free operability of the Service. There may be times when certain features, parts or content of the Site, or the entire Site, become unavailable (whether on a scheduled or unscheduled basis) or are modified, suspended or withdrawn by us, in our sole discretion.

11. Things You Are Not Allowed

11.1 Except to the extent expressly set out in these terms, you are not allowed to: 'scrape' content or store content of the Site on a server or other storage device connected to a network or create an electronic database by systematically downloading and storing all of the content of the Site; remove or change any content of the Site or attempt to circumvent security or interfere with the proper working of the Site or the servers on which it is hosted; or create links to the Site from any other website, without our prior written consent, although you may link from a website that is operated by you provided the link is not misleading or deceptive and fairly indicates its destination, you do not imply that we endorse you, your website, or any products or services you offer, you link to (and do not frame or replicate) the home page of the Site, and the linked website does not contain any content that is unlawful, threatening, abusive, defamatory, pornographic, obscene, vulgar, indecent, offensive or which infringes on the intellectual property rights or other rights of any third party.

11.2 You must only use the Services and anything available from the Site for lawful purposes (complying with all applicable laws and regulations), in a responsible manner, and not in a way that might damage our name or reputation or that of any of our affiliates.

10.6 All rights granted to you under these terms will terminate immediately in the event that you are in breach of any of them.

12. IP Rights

12.1 All intellectual property rights in any content of the Services (including text, graphics, software, photographs and other images, videos, sound, trade marks and logos) are owned by us or our licensors. Except as expressly set out here, nothing in these terms gives you any rights in respect of any intellectual property owned by us or our licensors and you acknowledge that you do not acquire any ownership rights by downloading content from the Site. In the event you print off, copy or store pages from the Site (only as permitted by these terms), you must ensure that any copyright, trade mark or other intellectual property right notices contained in the original content are reproduced.

13. Service Features

13.1 In all cases, information available through the Services is not intended to amount to authority or advice on which reliance should be placed. You should check with us or the relevant information source before acting on any such information.

13.2 To the fullest extent permitted by law, we make no promises, pledges or representations about the Services and/or the Site and we accept no liability for any loss or damage of any kind incurred as a result of you or anyone else using the Services and/or Site or relying on any content available through the Services.

13.3 We cannot and do not guarantee that any content provided as part of the Services will be free from viruses and/or other code that may have contaminating or destructive elements. It is your responsibility to implement appropriate IT security safeguards (including anti-virus and other security checks) to satisfy your particular requirements as to the safety and reliability of content.

13.4 By accepting these terms you acknowledge that the automated budgeting feature, quarterly tax liability estimation feature and monthly social security liability estimation feature (“ Estimation Features”) are dependent on the accuracy and completeness of the information inputted by you when using the Services and in any event Corgee makes no representation, and excludes all warranties, to the extent it may do so by law, as to the accuracy of the Estimation Features and in respect of any information provided to you in relation to your use of the Estimation Features.

13.5 Any information Corgee provides to you via the Estimation Features is solely for your internal informational purposes and should not be treated as professional advice or relied upon for the purposes of budgeting, submitting tax returns or any official filings.

14. External links

14.1 The Services may, from time to time, include links to external sites, which may include links to third party offers and promotions. We include these to provide you with access to information, products or services that you may find useful or interesting. We are not responsible for the content of these sites or for anything provided by them and do not guarantee that they will be continuously available. The fact that we include links to such external sites does not imply any endorsement of, or association with, their operators or promoters.

15. Our liability

15.1 Nothing in these terms shall limit or exclude our liability to you: for death or personal injury caused by our negligence; for any promise made by us to you fraudulently; for breach of any term implied by law and may not be limited or excluded; or for any other liability that, by law, may not be limited or excluded.

15.2 We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations that is caused by events outside our reasonable control.

16.General

16.1 You may not transfer or assign any or all of your rights or obligations under any Contract.

16.2 All notices given by you to us must be given in writing to the address set out at the end of these terms. We may give notice to you at the email address you provide to us when signing up for an account. All notices and information we provide to you shall be in Spanish.

16.3 If we fail to enforce any of our rights, that does not result in a waiver of that right.

16.4 If any provision of these terms is found to be unenforceable, all other provisions shall remain unaffected.

16.5 These terms may not be varied except with our express written consent.

16.6 These terms and any document expressly referred to in them represent the entire agreement between you and us in relation to the subject matter of any Contract. We are required by law to advise you that Contracts may be concluded in the Spanish language only and that no public filing requirements apply.

16.7 These terms shall be governed by Spanish law, there may be certain mandatory applicable laws of your country which apply for your benefit and protection in addition to or instead of certain provisions of Spanish law.

16.8 Subject to the next paragraph and any entitlement to refer a complaint to CECA, you agree that any dispute between you and us regarding these terms or any Contract will only be dealt with by the Spanish courts.

16.9 Additional Terms. In conjunction with your access or use of the Services, you may be subject to additional terms, rules, policies, and conditions that are posted on the Web.

Terms & Conditions updated: 01.06.2021