These Terms of Service ("Terms") govern your use of Harmoneya, a financial command center for studios and agencies provided by Harmoneya ("we", "us", "our"). By creating an account or otherwise using Harmoneya, you agree to these Terms.
If you are using Harmoneya on behalf of an organization, you represent that you are authorized to bind that organization to these Terms, and "you" refers to both you and that organization.
The service
Harmoneya lets you manage clients, projects, invoices, and transactions; connect bank accounts via PSD2 Open Banking; receive Polish e-invoices via KSeF; and use AI assistance for routine financial tasks. Specific features may evolve over time as we improve the product.
Your account
You are responsible for keeping your account secure. We use magic-link email auth and Google OAuth — you should keep your email account secure and notify us at support@harmoneya.com if you suspect unauthorized access.
You are responsible for the actions of every user you invite to your organization, including the data and integrations they configure.
Your data, your responsibility
You retain ownership of all data you put into Harmoneya. You grant us a limited, worldwide license to host, process, and display that data solely as needed to provide the service to you. We do not use your data to train AI models and we do not sell it.
You are responsible for the legality of the data you upload. You must not use Harmoneya to store unlawful content, infringe third-party rights, or transmit malware. Specifically, Harmoneya is not a tool for tax evasion, money laundering, or other financial crime.
Acceptable use
You agree not to:
- Reverse-engineer, decompile, or attempt to extract the source code of Harmoneya.
- Probe for security vulnerabilities outside of a coordinated disclosure (we welcome security reports — see Contact below).
- Bypass usage limits, rate limits, or access controls.
- Use Harmoneya to send unsolicited marketing email, run high-volume scraping, or otherwise impose disproportionate load.
- Resell, sublicense, or white-label Harmoneya without a separate written agreement.
Third-party integrations
Connecting third-party services (Salt Edge, Gmail, KSeF, etc.) means you also agree to those providers' terms. We pass through the data they return as faithfully as possible but cannot guarantee their availability or correctness. If a provider deprecates an integration, we will give reasonable notice and help you transition where feasible.
For PSD2 bank connections, EU regulation requires you to re-authorize every 90 days. We send reminders before consent expires; if you do not re-authorize, the connection will pause and we will stop importing transactions until you reconnect.
Fees and billing
Pricing tiers, free allowances, and any paid plans are described on the Harmoneya website at the time of purchase. Fees are billed in advance and are non-refundable except where required by law. We will give at least 30 days' notice for any price change affecting an existing subscription.
You are responsible for any taxes or duties applicable to your purchase, except for taxes on our income.
Beta features
We may release features marked "beta", "preview", or "early access". These features are provided as is and may be changed or removed without notice. They are not covered by service-level commitments.
Termination
You may cancel your account at any time from Settings. We may suspend or terminate your account if you materially breach these Terms, fail to pay, or use the service unlawfully — we will give reasonable notice and an opportunity to cure where possible.
On termination, you will lose access to the service. We will keep your data for 30 days so you can export it, then delete it (subject to legal retention obligations).
Warranties and disclaimers
We aim to provide a reliable, secure service, but Harmoneya is provided as is and as available. To the extent permitted by law, we disclaim all implied warranties (merchantability, fitness for a particular purpose, non-infringement) and do not warrant that the service will be uninterrupted or error-free.
Harmoneya is a tool, not a substitute for professional accounting, tax, or legal advice. You are responsible for the accuracy of your records and for filing the right returns with the right authorities.
Limitation of liability
To the extent permitted by law, our total liability to you for any claim arising out of or relating to these Terms or the service is limited to the fees you paid in the 12 months before the event giving rise to the claim. We are not liable for indirect, incidental, consequential, or punitive damages, or for lost profits, revenue, or data.
Nothing in these Terms limits liability for fraud, gross negligence, or anything else that cannot be limited under applicable law.
Indemnification
You agree to indemnify and hold us harmless from claims, damages, and expenses arising from your unlawful use of the service or your breach of these Terms.
Changes to these Terms
We may update these Terms as the product evolves or as the law changes. Material changes will be announced by email and in-app notice at least 30 days before they take effect. Continued use of Harmoneya after the effective date means you accept the updated Terms.
Governing law
These Terms are governed by Polish law. Disputes arising under or relating to them will be resolved by the courts of Warsaw, Poland — without prejudice to your mandatory consumer rights under the law of your country of residence.
Contact
Questions, billing issues, security reports, or to terminate an agreement, email support@harmoneya.com.