Account: a user profile that provides access to the Services.
Client Data: all data uploaded or processed through the Services by you or your users, including documents, financial data and communications.
Entrepreneur: an individual user managing their own administration in summie.
Accountant / Accounting Firm: a business using summie to support clients.
Services: all software, features, integrations and tools provided by summie.
Agreement: the contract formed by these Terms, any order form, and the Privacy Policy.
User: any person accessing the Services under your account, including employees and clients.
summie provides a platform for:
Organising receipts, invoices, documents and financial data
Extracting information from documents (OCR/AI)
Secure bank connections via licensed PSD2 providers
Collaboration between entrepreneurs and accountants
Synchronisation with supported accounting systems
summie is not an accounting, tax or financial advisory service.
Automated outputs must always be reviewed before use in bookkeeping or tax filings.
summie is currently in active development (beta).
This means:
Features may change without notice
Performance issues or bugs may occur
Availability may vary
Your responsibility:
Verify all data before using it for tax or accounting purposes
Keep copies of critical documents
Report issues to hello@summie.co
Our commitment:
All security controls are production-grade
Your data is handled in accordance with GDPR
Legally required retention periods (7 years) are respected
To use the Services, you must:
Be at least 18 years old
Register with accurate information
Keep your login credentials confidential
You are responsible for all activity under your Account.
Accounting firms are responsible for managing their team's access and ensuring professional compliance.
Pricing may be based on firm size, number of clients or a custom agreement
Fees are invoiced or charged automatically
Contracts are typically annual and renew automatically unless cancelled 30 days before renewal
Price Changes
We may adjust prices with at least 30 days' notice.
If you do not agree, you may terminate the Agreement before the change takes effect.
You may use the Services only in accordance with the law and these Terms.
You must not:
Upload harmful, illegal or infringing content
Bypass security systems or attempt unauthorized access
Reverse engineer, resell or replicate the Services
Misuse PSD2 bank connections
Access or process data you are not authorized to view
We may suspend or terminate your access if you violate these Terms.
You are responsible for:
All documents, data and content you upload
Ensuring uploaded documents are accurate and lawful
Verifying all extracted or synced data before using it in bookkeeping or tax filings
Maintaining backups of essential documents
Entrepreneurs
You remain responsible for your financial administration
You must verify OCR/AI output and synced bank or ERP data
Accountants
You act as data controller for client data processed via summie
You must obtain lawful basis for processing client data
You must review all data before filing returns or making journal entries
A Data Processing Agreement (DPA) applies and prevails over conflicting terms
Client Data remains the property of the client.
summie provides OCR and AI-powered suggestions.
These tools may produce incomplete or incorrect results.
You remain fully responsible for verifying all output.
summie is not liable for:
Errors in extracted data
Incorrect tax filings or missed deadlines
Financial decisions based on unverified outputs
OCR/AI are support tools only — not a substitute for professional judgment.
Bank connectivity is provided by PSD2-licensed third parties.
By connecting a bank account:
You authorize the provider to retrieve account and transaction data
Authentication happens via your bank's secure method
summie never sees or stores your banking credentials
We may access:
IBAN and account identifiers
Transaction history (typically 90-180 days)
Transaction metadata
We cannot initiate payments without explicit authorization.
You can revoke access at any time via Settings.
Where supported, summie syncs data with external accounting systems.
You acknowledge that:
Sync behaviour depends on your ERP configuration
External platform outages or limitations are outside our control
You must verify all synced data
All intellectual property in the Services (software, algorithms, models, UI, content) remains the exclusive property of summie.
You receive a limited, non-transferable licence to use the Services during the Agreement.
You retain ownership of your Client Data, and grant summie a licence to process it solely to provide the Services.
Both parties agree to keep confidential information secret and not disclose it to third parties unless:
Required by law
Necessary to provide the Services
Explicitly permitted in writing
This obligation survives termination.
You may terminate your account at any time.
We may suspend or terminate access if:
You violate these Terms
Payment is overdue
We detect fraud, abuse or security risks
Upon termination:
Access ends immediately
You may request an export of your data within 45 days
After 30–45 days, non-financial data may be deleted
Financial documents may be retained for 7 years under legal obligations
summie is not liable for:
Errors in OCR, AI or classifications
Incorrect filings, tax penalties or missed deadlines
Loss of profits or business interruption
Third-party provider issues (banks, ERPs, infrastructure)
Indirect or consequential damages
Liability Cap
B2B users: fees paid in the last 12 months, up to a maximum of €25,000
During beta, the Services are provided "as-is".
Nothing in these Terms excludes liability for intent, gross negligence, fraud or personal injury.
You agree to indemnify and hold summie harmless from any third-party claim arising from:
Your use or misuse of the Services
Incorrect filings or accounting decisions based on unverified data
Violations of these Terms
Claims by your clients (for accountants)
We aim for high availability, but do not guarantee uninterrupted or error-free service.
Availability may be affected by:
Maintenance
Updates
Third-party system failures
Internet or infrastructure outages
We may modify, add or remove features without liability.
Neither party is liable for delays or failures caused by events beyond reasonable control, such as:
Network interruptions
Cyberattacks
Fires or floods
War or terrorism
Power outages
Strikes
Failures of external providers
If force majeure lasts longer than 60 days, either party may terminate the Agreement.
We may update these Terms periodically.
For significant changes, we will notify you at least 30 days in advance.
Your continued use after changes take effect constitutes acceptance.
These Terms are governed by the laws of the Netherlands.
Disputes will be submitted to the competent court in Amsterdam.
We encourage resolving disputes amicably first.
Entire Agreement: These Terms and our Privacy Policy form the entire agreement.
Assignment: You may not assign rights; summie may assign the Agreement (e.g., in case of acquisition).
Severability: If any provision is invalid, the remainder remains effective.
Email: hello@summie.co
Company: summie B.V.