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Terms & Conditions

1. Introduction

Welcome to Senki.io ("Service", "we", "our", or "us"), a financial insights platform operated by Elster Intelligence GmbH. These Terms of Service ("Terms") govern your access to and use of our Service.

Service Provider:

Elster Intelligence GmbH
Friedrichstr. 114a
10117 Berlin, Germany
Email: hello@senki.io

By accessing or using Senki.io, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Service.

2. Eligibility and Account Registration

2.1 Age Requirements
You must be at least 18 years old to use Senki.io. By using the Service, you represent and warrant that you meet this age requirement.

2.2 Account Creation
To access certain features, you must create an account by providing:

  • A valid email address

  • A secure password

  • Accurate and complete information
     

2.3 Account Security
You are responsible for:

  • Maintaining the confidentiality of your account credentials

  • All activities that occur under your account

  • Notifying us immediately of any unauthorized access


We are not liable for any loss or damage resulting from your failure to protect your account information.

3. Description of Service

Senki.io provides a financial insights platform that allows you to:

  • Upload personal or business bank statements

  • Analyze financial transactions and patterns

  • Generate insights, reports, and visualizations

  • Track financial metrics and trends

  • Access personalized financial recommendations
     

3.1 Service Availability

  • We strive to provide 99% uptime but do not guarantee uninterrupted access

  • We may suspend or modify the Service for maintenance or improvements

  • We reserve the right to discontinue features with reasonable notice
     

4. User Responsibilities and Acceptable Use

4.1 Permitted Use
You agree to use Senki.io only for lawful purposes and in accordance with these Terms.

4.2 Prohibited Activities
You may not:

  • Upload false, misleading, or fraudulent information

  • Use the Service to violate any applicable laws or regulations

  • Attempt to gain unauthorized access to our systems or other users' accounts

  • Reverse engineer, decompile, or disassemble any part of the Service

  • Use automated systems (bots, scrapers) without our written permission

  • Transmit viruses, malware, or harmful code

  • Interfere with or disrupt the Service or servers

  • Impersonate any person or entity

  • Use the Service for money laundering or illegal financial activities

  • Share your account access with others
     

4.3 Data Accuracy
You are responsible for ensuring that all data you upload is:

  • Accurate and complete

  • Legally obtained

  • Your own or you have authorization to upload it
     

5. Data and Privacy

5.1 Your Financial Data
When you upload bank statements or financial information:

  • You retain all ownership rights to your data

  • You grant us a limited license to process your data solely to provide the Service

  • We will handle your data in accordance with our Privacy Policy

  • You can request deletion of your data at any time
     

5.2 Data Processing
We process your financial data to:

  • Generate insights and analytics

  • Provide personalized recommendations

  • Improve our algorithms and Service quality
     

5.3 Privacy Policy
Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

6. Intellectual Property Rights

6.1 Our Content
All content, features, and functionality of Senki.io, including but not limited to:

  • Text, graphics, logos, and images

  • Software code and algorithms

  • Design and user interface

  • Insights methodology and reports

are owned by Elster Intelligence GmbH and protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use the Service for your personal or internal business purposes.

6.3 Feedback
If you provide feedback, suggestions, or ideas about the Service, we may use them without any obligation to compensate you.

7. Subscription and Payment Terms.

7.1 Subscription Plans
Senki.io may offer various subscription tiers:

  • Free tier (with limited features)

  • Premium personal plans

  • Business plans
     

7.2 Pricing

  • Current pricing is available on our website

  • Prices are stated in USD and are inclusive of applicable VAT

  • We reserve the right to change pricing with 30 days' notice to existing subscribers
     

7.3 Payment

  • Payment is processed through secure third-party payment processors

  • By providing payment information, you authorize us to charge the applicable fees

  • Subscriptions automatically renew unless cancelled
     

7.4 Refunds

  • Free trials can be cancelled anytime without charge

  • Paid subscriptions are non-refundable except as required by law

  • We may offer refunds at our sole discretion
     

7.5 Cancellation
You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period.

8. Limitation of Service

8.1 Not Financial Advice
IMPORTANT: Senki.io provides financial insights and analytics tools only. We do not provide:

  • Financial advice or recommendations

  • Investment advice

  • Tax advice

  • Legal advice

  • Accounting services

The insights generated by our Service are for informational purposes only. You should consult with qualified professionals before making financial decisions.

8.2 Accuracy Disclaimer
While we strive for accuracy:

  • Insights are based on the data you provide

  • We do not guarantee the accuracy or completeness of analyses

  • You are responsible for verifying all information and insights


8.3 No Banking Services
Senki.io is not a bank, financial institution, or payment service provider. We do not:

  • Hold, transfer, or manage your funds

  • Provide banking services

  • Have access to your actual bank accounts
     

9. Limitation of Liability

9.1 To the Maximum Extent Permitted by Law
Elster Intelligence GmbH and its directors, employees, and affiliates shall not be liable for:

  • Any indirect, incidental, special, consequential, or punitive damages

  • Loss of profits, revenue, data, or business opportunities

  • Service interruptions or data loss

  • Errors in insights or analytics

  • Financial decisions made based on our Service


9.2 Maximum Liability
Our total liability to you for any claims arising from these Terms or your use of the Service shall not exceed the amount you paid us in the 12 months preceding the claim, or $100, whichever is greater.

9.3 Statutory Rights
Nothing in these Terms limits your statutory rights as a consumer under applicable German and EU law.

10. Warranties and Disclaimers

10.1 Service Provided "As Is"
The Service is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

  • Merchantability

  • Fitness for a particular purpose

  • Non-infringement

  • Uninterrupted or error-free operation
     

10.2 Your Warranty
You warrant that:

  • You have the right to upload all data you provide

  • Your use of the Service complies with all applicable laws

  • You will not use the Service for illegal purposes
     

11. Indemnification

You agree to indemnify, defend, and hold harmless Elster Intelligence GmbH and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

  • Your use of the Service

  • Your violation of these Terms

  • Your violation of any rights of third parties

  • Your uploaded data or content
     

12. Termination

12.1 Termination by You
You may terminate your account at any time by:

  • Cancelling your subscription

  • Contacting us to delete your account

  • Ceasing to use the Service
     

12.2 Termination by Us
We may suspend or terminate your access to the Service immediately if:

  • You violate these Terms

  • You engage in fraudulent or illegal activities

  • Your account poses a security risk

  • As required by law
     

12.3 Effect of Termination
Upon termination:

  • Your right to use the Service immediately ceases

  • We may delete your data in accordance with our Privacy Policy

  • Provisions that by nature should survive termination will remain in effect
     

13. Dispute Resolution

13.1 Governing Law
These Terms are governed by the laws of the Federal Republic of Germany, excluding its conflict of law provisions.

13.2 Jurisdiction
For consumers in the EU: You may bring claims in your country of residence or in Berlin, Germany.
For businesses: Any disputes shall be subject to the exclusive jurisdiction of the courts of Berlin, Germany.

13.3 Informal Resolution
Before initiating formal proceedings, please contact us at hello@senki.io to attempt to resolve the dispute informally.

13.4 EU Online Dispute Resolution
EU consumers can access the EU Online Dispute Resolution platform at: https://ec.europa.eu/consumers/odr

14. General Provisions

14.1 Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Elster Intelligence GmbH regarding the Service.

14.2 Changes to Terms
We may modify these Terms at any time by:

  • Posting the updated Terms on our website

  • Notifying you via email for material changes

  • Updating the "Last Updated" date
     

Your continued use of the Service after changes constitutes acceptance of the modified Terms.

14.3 Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full effect.

14.4 Waiver
Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

14.5 Assignment
You may not assign or transfer these Terms without our written consent. We may assign these Terms without restriction.

14.6 Language
These Terms are provided in English. In case of conflicts between translations, the English version prevails.

15. Contact Information
For questions, concerns, or notices regarding these Terms, please contact us:

Elster Intelligence GmbH
Friedrichstr. 114a
10117 Berlin, Germany
Email: hello@senki.io
Website: senki.io

By using Senki.io, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

Last update date is 12.11.2025

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