Terms of Use

For the application orvi. Last updated 3 October 2026.

Who may use this

Anyone who wants their own purchase and transaction history collected into a structured form they control. orvi runs on your device and keeps your records there. There is no account to create on our side, because there is nothing on our side to hold an account.

You must be at least 16, and you may use it only with accounts and data that are yours. Using someone else's credentials, or reading someone else's accounts without their authority, is outside these terms and may be unlawful where you live.

What it does

• Reads your own email, your own payment accounts and your own retailer receipts, with credentials you supply, in each case read-only.
• Stores what it extracts on your own device, encrypted.
• Optionally shares a household's records with family members you invite, as an encrypted log that whoever stores it cannot read. This is off unless you turn it on.
• Initiates no payments, moves no money, and has no capability to do either. Payment account access is account information only.

What it does not do

• It does not provide financial, tax or legal advice. Figures it produces are a convenience and are not a statement of account; the institution's own statement is authoritative, and tax questions are for a professional — in Germany, a Steuerberater.
• It does not sell your data, transmit it for advertising, analytics, profiling or model training, or disclose it to any third party other than where you instruct it. See the privacy policy.
• It does not hold your banking credentials, your bank data or your encryption keys, and therefore cannot produce them on anyone's request.

No warranty

The application is provided as it is, with no warranty of any kind. Parsing financial documents is error-prone: amounts can be misread, a receipt can be missing, and a figure can be wrong. The application reports confidence and reconciles line items against stated totals precisely because of this, and those checks are not a guarantee. Nothing it produces should be relied on without reference to the original statement.

Third-party services, and the accounts you register yourself

Access to each source is governed by that provider's own terms, which take precedence over anything here:

• Email: Google Terms of Service. You may register your own Google OAuth client and use that instead of the application's, in which case the authorisation is between you and Google alone.
• Payment accounts: you register your own application with Enable Banking and accept their terms directly. Your consent is between you, your bank and Enable Banking; we are not a party to it, hold no key of yours, and can neither exercise nor revoke it on your behalf.
• Retailer receipts: the terms of each retailer's own account.

Any provider may withdraw access at any time, and you may withdraw it from your side just as freely. Because the data already on your device is yours, losing access to a source stops new records arriving; it does not remove what you already hold.

Liability

To the extent the law permits, the application is provided without liability for loss arising from its use, including a figure read wrongly from a document or a record that failed to arrive. Nothing here limits liability that cannot lawfully be limited, including for death, personal injury, or intent and gross negligence.

Changes

These terms may change if what the application does changes. The date at the top is the date of the current version.

Contact

Questions can be sent to the contact address shown on the application's consent screens and in the application itself.