Terms of Use

1. Scope

This Terms of Use agreement governs the use of the web application “Nevlo” (hereinafter “Service”), operated by ProDoWeb UG (limited liability), c/o Tino Wittig, Zwickauer Straße 35, 04639 Gößnitz (hereinafter “Provider”).

By registering and using the service, you agree to these Terms of Use.

2. Scope of Services

Nevlo is a financial management application that allows users to connect their bank accounts and view, categorize, and analyze transactions. The service includes, in particular:

• Connection of bank accounts via the PSD2 interface (finAPI)
• Overview of account balances and transactions
• Optional AI-powered categorization of transactions
• Cash flow analysis
• API access for third-party applications
• MCP server connection
• Subscription detection (Business plan only)

The provider reserves the right to expand, restrict, or modify the scope of the service at any time, provided this is reasonable for the user.

3. Registration & User Account

Use of the service requires registration. During registration, you must provide a valid email address and confirm it. Alternatively, you can sign in using a Google or GitHub account.

You are obligated to keep your login credentials confidential and not to disclose them to third parties. You are responsible for all activities that take place under your user account. If you suspect unauthorized use of your account, you are obligated to notify us immediately.

Each individual may create only one user account.

4. Testing phase

After registering, you will receive a free 14-day trial of the Personal Plan. During the trial period, all features of the Personal Plan will be available to you.

After the trial period ends, continued use of the service is only possible with a paid subscription. Without a subscription, access to the service's features will be restricted.

5. Subscriptions & Pricing

The service is offered in the following subscription plans:

All prices include applicable sales tax. The provider reserves the right to adjust prices with at least 4 weeks' notice effective for the next billing period.

6. Payment

Payment processing is handled by the payment service provider Stripe Payments Europe Ltd. Billing is done monthly in advance. The available payment methods will be displayed during the ordering process.

If payment fails, we grant a grace period of 7 days. Access to the service remains active during this grace period. If payment is not successfully made within the grace period, the subscription will be canceled and access restricted.

7. Termination

You can cancel your subscription at any time at the end of the current billing period. You can cancel via your account settings or the Stripe customer portal. All features of your plan will remain available to you until the end of the paid period.

The provider is entitled to terminate the user agreement without notice in the event of serious violations of this Terms of Use agreement.

8. Account deletion

You can delete your user account at any time via the account settings. When you delete your account, all data associated with your account will be permanently deleted, including:

• Bank details and transaction data
• Account settings and categories
• Webhook configurations
• API credentials and connected applications

An active subscription will be canceled at the end of the current billing period upon account deletion.

9. Bank Integration & PSD2

Your bank accounts are connected via the PSD2 interface of the service provider finAPI GmbH. Your consent to your bank is required for the bank connection. This consent is valid for 90 days and must be renewed upon expiration.

We will notify you via email in a timely manner before your consent expires. Without valid consent, no new transaction data can be retrieved. Data already stored remains available.

The provider does not guarantee the availability of PSD2 interfaces for individual banks.

10. AI-powered categorization

The service offers optional, AI-powered transaction categorization. This feature is disabled by default and can be enabled in your account settings.

Upon activation, transaction data (recipient, merchant, purpose, amount) is transmitted to the AI service provider Mistral AI. Categorization occurs automatically and can be adjusted manually. The provider does not guarantee the accuracy of the AI-based categorization.

11. API Access & Webhooks

The service provides an API that allows you to retrieve your data programmatically. Additionally, you can configure webhook endpoints to which notifications about new transactions are sent.

You are solely responsible for the security of your API credentials and webhook endpoints. The provider is not liable for any damages resulting from the improper use of the API or the disclosure of credentials.

API access is subject to a rate limit. The provider reserves the right to restrict or block API access in the event of misuse.

12. User Obligations

The user agrees to:

• Provide only truthful information during registration
• To treat their login credentials confidentially and protect them from access by third parties
• Do not use the service for illegal purposes
• Do not take any actions that could impair the functionality of the service
• Notify the provider immediately of any security incidents or unauthorized use of your account

13. Availability

The provider strives to ensure that the service is available with as few interruptions as possible. There is no entitlement to uninterrupted availability. In particular, temporary restrictions may occur due to:

• Maintenance and Updates
• Disruptions at third-party providers (e.g., bank interfaces, payment service providers)
• Force majeure or technical malfunctions beyond the provider’s control

14. Liability

The provider bears unlimited liability for damages resulting from injury to life, limb, or health, as well as for damages caused by willful misconduct or gross negligence.

In cases of slight negligence, the provider is liable only for breaches of material contractual obligations (cardinal obligations). In such cases, liability is limited to foreseeable damages typical for this type of contract.

The provider is not liable for:

• The accuracy, completeness, or timeliness of the data transmitted by banks
• Damages resulting from AI-based categorization, insofar as such categorization is based on incorrect automatic classification
• Damages resulting from the unavailability of bank interfaces or third-party services
• Damages resulting from the user’s improper use of the API or webhooks

15. Privacy Policy

The handling of your personal data is described in our Privacy Policy regulated. This is part of this Terms of Use agreement.

16. Changes to the Terms of Use

The provider reserves the right to amend this Terms of Use at any time with future effect. We will notify you of any material changes via email. If you do not object to the changes within 4 weeks of notification, the amended terms shall be deemed accepted. We will specifically inform you of your right to object and the consequences thereof in the notification.

17. Applicable Law & Jurisdiction

The laws of the Federal Republic of Germany apply, excluding the UN Convention on Contracts for the International Sale of Goods. Consumer rights in the user’s country of residence remain unaffected.

If the user is a merchant, a legal entity under public law, or a special fund under public law, the place of jurisdiction for all disputes arising from or in connection with this Terms of Use Agreement shall be the provider’s registered office.

18. Final Provisions

Should any provision of this Terms of Use be or become invalid, the validity of the remaining provisions shall remain unaffected. The invalid provision shall be replaced by a valid provision that most closely approximates the economic purpose of the invalid provision.

19. Contact

ProDoWeb UG (limited liability)
c/o Tino Wittig
35 Zwickauer Street
04639 Gößnitz
Email: info@prodoweb.de

20. Timeliness

This Terms of Use agreement is currently valid and is effective as of March 2026.