Customer Choices and Instructions
Who is “Customer”?
“Customer” is the organization that you represent in agreeing to the Contract. If your workspace is being set up by someone who is not formally affiliated with an organization, Customer is the individual creating the workspace. For example, if you signed up using a personal email address and invited a couple of friends to work on a new start-up idea but haven’t formed a company yet, you are the Customer.
Signing Up Using a Corporate Email Domain
If you signed up for a plan using your corporate email domain, your organization is Customer, and Customer can modify and re-assign roles on your workspace (including your role) and otherwise exercise its rights under the Contract. If Customer elects to replace you as the representative with ultimate authority for the workspace, we will provide you with notice following such election and you agree to take any actions reasonably requested by us or Customer to facilitate the transfer of authority to a new representative of Customer.
What This Means for Customer—and for Us
Individuals authorized by Customer to access the Services (an “Authorized User”) may submit content or information to the Services, such as messages or files (“Customer Data”), and Customer may exclusively provide us with instructions on what to do with it. For example, Customer may provision or de-provision access to the Services, enable or disable third party integrations, manage permissions, retention and export settings, transfer or assign workspaces. Since these choices and instructions may result in the access, use, disclosure, modification or deletion of certain or all Customer Data, please review the Knowledge Base pages for more information about these choices and instructions.
Customer will (a) inform Authorized Users of all Customer policies and practices that are relevant to their use of the Services and of any settings that may impact the processing of Customer Data; and (b) ensure the transfer and processing of Customer Data under the Contract is lawful.
Ordering Subscriptions
A subscription allows an Authorized User to access the Services. No matter the role, a subscription is required for each Authorized User. A subscription may be procured through the Services interface. Please see the Knowledge Base for more information on procuring subscriptions and inviting new Authorized Users. Each Authorized User must agree to the User Terms to activate their subscription. Subscriptions commence when we make them available to Customer and continue for the term specified in the Services “check-out” interface. We sometimes enter into other kinds of ordering arrangements, but that would need to be spelled out and agreed to in an Order Form. Check out our Knowledge Base pages for additional information on setting up a workspace, inviting Authorised Users and assigning roles.
Legal compliance
You represent and warrant that (i) you are not located in a country that is subject to a United Kingdom or U.S. Government embargo, or that has been designated by the UN, United Kingdom or U.S. Government as a terrorist-supporting country; and (ii) you are not listed on any United Kingdom or U.S. Government list of prohibited or restricted parties. List of currently restricted countries are: Afghanistan, Belarus, Burundi, Central African Republic, Chad, Congo, Democratic Republic of the Congo, Cuba, Regions of Ukraine: Crimea, Donetsk and Luhansk, Eritrea, Iran, Iraq, Democratic People’s Republic of Korea, Libya, Myanmar, Somalia, Republic of South Sudan, Russia, Sudan, Syria, Yemen, Venezuela.
Banking Account Information Services
In order to enable access to information on Users’ financial accounts and related data enrichment services, Fiskl has partnered with a trusted third party, Salt Edge Limited (hereinafter “Salt Edge”). Salt Edge is an account information service provider registered in the United Kingdom, FCA reference number 822499, registered address: 71-75 Shelton Street, Covent Garden, London, England, WC2H 9JQ, United Kingdom. Account information services are provided by Salt Edge in accordance with its Terms of Service and Privacy Policy, which are incorporated by reference into these Terms. Specifically, for institutions that require compliance with PSD2 regulations, Fiskl partners with Salt Edge Limited. By using the account information services as part of the Fiskl Services, User agrees to be bound by Salt Edge’s Terms of Service and Privacy Policy.
The third party requires the information that you provide when you connect accounts through the account information services, including the details of the financial institutions that you deal with and your financial user id’s and passwords, in order to provide the account information services. By providing the requested information and connecting an account, you consent to the disclosure of such information to the third party and the use of such information by the third party as necessary to provide the account information services.
You agree to follow the third party’s standard operating procedures, including without limitation security procedures, with respect to your use of the account information services.
You agree to hold harmless and release Fiskl Limited from any liability relating to your use of such account information services. You represent and warrant that you have the right to provide us with usernames, passwords, personal information and other access credentials which we may require to access any third party services or accounts in connection with the Services.
Google API Services User Data Policy Compliance
When utilizing Google APIs within Fiskl, customers acknowledge and agree that the use and transfer of information received from Google APIs will adhere strictly to the Google API Services User Data Policy, including full compliance with Google’s Limited Use requirements. Fiskl hereby attests that it will not use or transfer to any other app the information received from Google APIs for any purpose that is not permitted under the Google API Services User Data Policy.
Furthermore, Fiskl assures customers that any data obtained through OAuth-sensitive scopes is not shared with any third party. For Artificial Intelligence (AI) functionalities, Fiskl does not share any user data obtained through the Services with third-party AI models. Instead, Fiskl employs its own Vector Database and utilizes Retrieval-Augmented Generation (RAG) for AI queries on sensitive data. RAG enhances Fiskl’s AI capabilities by referencing authoritative knowledge bases without transmitting sensitive user data externally.
By using Fiskl’s Services, you acknowledge and agree to this Google API Services User Data Policy Compliance clause. For more information, please refer to the Google API Services User Data Policy: https://developers.google.com/terms/api-services-user-data-policy.
Purchasing Decisions
We may share information about our future product plans because we like transparency. Our public statements about those product plans are an expression of intent, but do not rely on them when making a purchase. If Customer decides to buy our Services, that decision should be based on the functionality or features we have made available today and not on the delivery of any future functionality or features.
Choosing to be a Beta Tester
Occasionally, we look for beta testers to help us test our new features. These features will be identified as “beta” or “pre-release,” or words or phrases with similar meanings (each, a “Beta Product”). Beta Products may not be ready for prime time so they are made available “as is,” and any warranties or contractual commitments we make for other Services do not apply. Should Customer encounter any faults with our Beta Products, we would love to hear about them; our primary reason for running any beta programs is to iron out issues before making a new feature widely available.
Feedback is Welcome
The more suggestions our customers make, the better the Services become. If Customer sends us any feedback or suggestions regarding the Services, there is a chance we will use it, so Customer grants us (for itself and all of its Authorized Users and other Customer personnel) an unlimited, irrevocable, perpetual, sub-licensable, transferable, royalty-free license to use any such feedback or suggestions for any purpose without any obligation or compensation to Customer, any Authorized User or other Customer personnel.
Non-Fiskl Products
Our Services include integrations with third parties’ applications and software that complement Customer’s use of the Services (each, a “Non-Fiskl Product”). THESE ARE NOT OUR SERVICES, SO WE DO NOT WARRANT OR SUPPORT NON-FISKL PRODUCTS, AND, ULTIMATELY, CUSTOMER (AND NOT US) WILL DECIDE WHETHER OR NOT TO ENABLE THEM. ANY USE OF A NON-FISKL PRODUCT IS SOLELY BETWEEN CUSTOMER AND THE APPLICABLE THIRD PARTY PROVIDER.
If a Non-Fiskl Product is enabled for Customer’s workspace, please be mindful of any Customer Data that will be shared with the third party provider and the purposes for which the provider requires access. We will not be responsible for any use, disclosure, modification or deletion of Customer Data that is transmitted to, or accessed by, a Non-Fiskl Product. Check out our Knowledge Base pages for more information.
Privacy Policy
Please review our Privacy Policy for more information on how we collect and use data relating to the use and performance of our websites and products.