Terms of Service
Last Updated on January 2026
These Terms of Service ("Terms") govern your use of summie's website (summie.co), mobile applications, and the summie collaboration platform for entrepreneurs and accountants ("Services"). The Services are provided by summie B.V., established in the Netherlands ("summie", "we", "us", "our").
By creating an account, accessing the Services or continuing to use them, you agree to these Terms.
If you are an accounting firm entering into these Terms on behalf of a business, you confirm that you are authorized to bind that business.
1. Definitions
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.
2. Purpose of the Service
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.
3. Beta Status
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:
We apply industry-standard technical and organizational security measures appropriate to the nature of the Services
Your data is handled in accordance with GDPR
Legally required retention periods (7 years) are respected
4. Eligibility & Accounts
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.
5. Pricing, Billing & Contract Duration
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.
6. Acceptable Use
You may use the Services only in accordance with the law and these Terms.
6.1 Prohibited Activities
You must not:
Upload harmful, illegal or infringing content
Bypass security systems or attempt unauthorized access
Reverse engineer, decompile, or extract source code from the Services
Use automated scraping or data extraction tools (except via official APIs)
Resell, white-label, or redistribute the Services without written permission
Misuse PSD2 bank connections or access unauthorized accounts
Access or process data you are not authorized to view
Use the Services for illegal activities, including money laundering or tax evasion
Impersonate others or misrepresent your identity or affiliation
Interfere with other users' access to the Services
6.2 Banking Connections
Regarding PSD2 bank connections, you specifically must not:
Share your bank authentication credentials with summie or third parties
Maintain connections to accounts you're not authorized to access
Use connections for purposes other than legitimate bookkeeping and administration
Attempt to initiate payments without explicit authorization
6.3 Consequences
We may suspend or terminate your access immediately if you violate these Terms, without any obligation to refund prepaid fees. We may also report illegal activities to relevant authorities.
7. Your Content & Responsibilities
7.1 Your Responsibilities
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
7.2 Entrepreneurs
You remain responsible for your financial administration.
You must verify OCR/AI output and synced bank or ERP data.
7.3 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.
Client Data remains the property of the end client, not the Accountant.
7.4 Data Processing Agreement
For Accountants processing client data through summie:
A separate Data Processing Agreement (DPA) applies and is available upon request
In case of conflict between these Terms and the DPA, the DPA prevails
The DPA governs processor obligations under GDPR/UAVG
You acknowledge that you have reviewed and agree to the DPA.
7.5 Indemnification
You indemnify summie against all third-party claims based on:
Your uploaded content or data being unlawful or infringing third-party rights
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)
8. OCR, AI & Automated Processing
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.
9. Bank Connections (PSD2)
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.
10. Accounting System Integrations
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
11. Technical Limitations and Browser Environment
11.1 Browser Storage
Certain features do not rely on browser storage APIs (localStorage, sessionStorage, IndexedDB) due to security or architectural considerations. Data may be stored in-memory during sessions or via our backend storage.
11.2 Supported Browsers
The Services are optimized for modern browsers including Chrome, Firefox, Safari, and Edge. We do not guarantee full functionality on:
Internet Explorer or legacy browsers
Browsers with restrictive privacy settings that block essential features
Modified or automated browser environments
11.3 Third-Party Dependencies
The Services integrate with external libraries and services. We do not control and are not responsible for:
CDN availability (cdnjs.cloudflare.com and similar services)
Third-party API changes or deprecations
Browser vendor changes affecting functionality
12. Intellectual Property
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.
12.1 Technical Protection Measures
summie may implement technical measures to protect the Services, including but not limited to:
Access controls and authentication systems
Usage monitoring and analytics
Rate limiting and quota enforcement
Encryption and security protocols
You agree not to circumvent, disable, or interfere with these technical protection measures.
12.2 Restrictions on Use
Unless explicitly agreed otherwise in writing, you may not:
Use the Services to provide services to third parties (timesharing, service bureau, outsourcing)
Rent, lease, sublicense, or transfer access to the Services
Access the Services for competitive benchmarking or analysis
Remove or alter any proprietary notices, including copyright, trademark, or confidentiality markings
13. Acceptance of the Services
The Services are deemed accepted upon first operational use or, in the absence thereof, 15 days after account activation.
Acceptance may not be withheld due to minor defects that do not materially prevent use of the Services.
14. Confidentiality
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.
15. Termination & Data Retention
15.1 Termination Rights
You may terminate your account at any time via Settings or by contacting us.
We may suspend or terminate access if:
You violate these Terms
Payment is overdue
We detect fraud, abuse or security risks
Either party may terminate with 30 days' notice before renewal.
15.2 Data Export
Upon termination:
You have 45 days to request a full data export
We provide exports in commonly used formats (JSON, CSV, PDF where applicable)
After 45 days, we may delete your data per our retention schedule
No data export available if terminated for security violations
15.3 Retention Periods
After termination:
Active data: deleted after 45 days (or upon request, whichever is sooner)
Backup data: may persist up to 90 days in our backup systems
Legally required data: retained for 7 years (tax documents, invoices)
Anonymized analytics: may be retained indefinitely
15.4 Post-Termination
After termination:
All access to the Services ends immediately
Outstanding fees remain due
Your data export rights per 15.2 remain valid
Confidentiality obligations survive termination
16. Liability
16.1 Direct Damage Cap
summie's total liability for direct damage is limited to the lower of:
The fees paid by you in the 12 months preceding the event, or
€25,000 per calendar year
16.2 Definition of Direct Damage
Direct damage means only:
(a) Reasonable costs to bring summie's performance into compliance with the Agreement (not applicable if you terminate the Agreement)
(b) Reasonable costs to maintain legacy systems longer due to summie's failure to deliver on a binding deadline (reduced by any cost savings from delayed delivery), only if delay is solely attributable to summie
(c) Reasonable costs to investigate damage covered by this article
(d) Reasonable costs to prevent or limit damage covered by this article, to the extent you prove these costs achieved such prevention or limitation
16.3 Indirect Damage
summie is NOT liable for:
Loss of revenue, profit, or savings
Business interruption or downtime
Loss of data (beyond reasonable restoration efforts)
Damage from claims by your clients or end users
Reputational damage or loss of goodwill
Costs of replacement services
Any other indirect or consequential damages
16.4 Specific Exclusions
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)
Damage relating to content or data you provided
Damage caused by use contrary to documentation or instructions
16.5 Liability During Beta
During the beta phase:
The Services are provided "as-is" with limited warranties
The liability cap in article 16.1 applies
summie is only liable for damages caused by gross negligence or willful misconduct of management
16.6 Exceptions
Nothing in these Terms excludes liability for:
Death or personal injury caused by negligence
Fraud or fraudulent misrepresentation
Gross negligence or willful misconduct by summie's management
Matters that cannot be limited under Dutch law
16.7 Conditions for Liability
To claim damages, you must:
Place summie in default with a detailed written notice specifying the breach
Provide a reasonable cure period (at least 14 days for most breaches)
Report damage within 6 months of occurrence
Provide detailed documentation of the damage and its cause
Take reasonable steps to mitigate the damage
All claims expire 24 months after the event giving rise to the claim.
17. Indemnity
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)
Your uploaded content infringing third-party rights
18. Service Availability & Changes
We aim for high availability, but do not guarantee uninterrupted or error-free service.
Availability may be affected by:
Scheduled maintenance (announced when possible)
Emergency updates and security patches
Third-party system failures
Internet or infrastructure outages
We may modify, add or remove features without liability. For significant changes, we will provide reasonable notice.
19. Force Majeure
Neither party is liable for delays or failures caused by events beyond reasonable control, including but not limited to:
Supplier failures and third-party service disruptions
Internet, network, or telecommunications outages
Power failures
Cyberattacks, DDoS attacks, and other security incidents
Government restrictions or legal requirements
Strikes and labor actions
Natural disasters, fires, floods, earthquakes
War, terrorism, or civil unrest
Pandemics or health emergencies
Notice and Duration
The affected party must provide written notice with supporting documentation as soon as reasonably possible.
If force majeure persists beyond 60 days, either party may terminate the Agreement without liability for damages.
20. Changes to These Terms
We may update these Terms periodically.
For significant changes, we will notify you at least 30 days in advance via email or through the Services.
Your continued use after changes take effect constitutes acceptance.
If you do not agree to changes, you may terminate your account before the effective date.
21. Governing Law & Disputes
These Terms are governed by the laws of the Netherlands.
21.1 Disputes
Disputes will be submitted to the competent court in Amsterdam.
21.2 Amicable Resolution
Before initiating legal proceedings, parties agree to attempt amicable resolution through good-faith negotiation for at least 30 days.
22. General Provisions
Entire Agreement: These Terms and our Privacy Policy form the entire agreement.
Assignment: You may not assign rights without our consent; summie may assign the Agreement (e.g., in case of acquisition).
Severability: If any provision is invalid, the remainder remains effective and will be interpreted to best reflect the original intent.
No Waiver: Failure to enforce any provision does not constitute a waiver of that provision.
Language: In case of conflicts between language versions, the English version prevails.
23. Contact
Email: hello@summie.co
Company: summie B.V.