Terms of Service — Tallio

Version 1.3 | Effective: 28 August 2026

These terms govern your use of Tallio ("the Service"), provided by Tallio (NZBN 9429053814333) from New Zealand. By using the Service, you agree to these terms.

1. The Service

Tallio is a web application that analyses bank transaction data from CSV files you upload. The Service provides spending categorisation, charts, and summaries.

The Service is not financial advice. We are not a registered financial service provider, financial adviser, or bank. Categorisation is automated and best-effort. You should not rely on the Service for financial decisions without independent verification.

2. Accounts

  • You may use the Service anonymously, or sign in with Google, Microsoft, or an email magic link
  • You are responsible for maintaining access to the sign-in method you choose
  • One account per person; do not share your session or account with others
  • We reserve the right to suspend or terminate accounts that violate these terms

3. Your Data

  • You retain ownership of all transaction data you upload
  • You grant us a limited licence to process, store, and display your data solely to provide and improve the Service, including using aggregated, filtered category corrections to improve shared categorisation rules (as described in the Privacy Policy)
  • This licence ends when your data is deleted (either by you in the app, when you ask us to close the account, or by our retention policy)
  • You confirm that the data you upload is your own or that you have authorisation to upload it

4. Acceptable Use

You agree not to:

  • Upload data belonging to others without their consent
  • Attempt to access other users' data or sessions
  • Reverse-engineer, scrape, or misuse the API
  • Use the Service for any unlawful purpose
  • Attempt to bypass payment or tier restrictions

5. Free Tier

  • Available to all users, with or without sign-in
  • Anonymous data is retained for the duration of your session and purged after 30 days of inactivity
  • If you sign in, your account moves to the Personal tier and your data is retained across sessions
  • You can wipe uploaded data from the app at any time
  • Features may be limited compared to the Pro tier
  • We may modify free-tier features at any time

6. Personal Tier

  • Available when you sign in
  • Your data is retained across sessions until you wipe it in the app or ask us to close the account
  • Features may be limited compared to the Pro tier

7. Pro Tier (Paid Subscription)

Pricing

  • The Pro tier is a recurring monthly subscription
  • The current price is displayed on the upgrade page
  • All prices are in New Zealand Dollars (NZD) unless stated otherwise
  • We may change pricing with 30 days' notice to existing subscribers

Payment

  • Payments are processed by Stripe. We never see or store your card details
  • Your subscription renews automatically each billing cycle until cancelled
  • You authorise Stripe to charge your chosen payment method on each renewal date

Cancellation

  • You may cancel at any time through the Stripe billing portal (accessible from the app)
  • On cancellation, your Pro features remain active until the end of the current billing period
  • After expiry, your account reverts to the Personal tier if you have a sign-in, and your data remains retained across sessions

Refunds

  • We offer a full refund within 7 days of your first subscription payment if you are unsatisfied
  • Refunds after the 7-day window are at our discretion
  • To request a refund, contact us at support@tallio.co.nz

8. Accuracy and Limitations

  • Transaction categorisation is automated using pattern matching and may contain errors
  • We make no guarantees about the accuracy, completeness, or reliability of the analysis
  • Bank CSV formats may change without notice, which could temporarily affect parsing
  • The Service is provided "as is" without warranties of any kind, express or implied

9. Availability

  • We aim to keep the Service available but do not guarantee uptime
  • We may temporarily suspend the Service for maintenance, updates, or circumstances beyond our control
  • We are not liable for any loss resulting from Service downtime

10. Limitation of Liability

To the maximum extent permitted by New Zealand law:

  • We are not liable for any indirect, incidental, special, or consequential damages arising from your use of the Service
  • Our total liability is limited to the amount you have paid us in the 12 months preceding the claim
  • Nothing in these terms excludes liability that cannot be excluded under New Zealand law, including the Consumer Guarantees Act 1993 (where applicable)

11. Intellectual Property

  • The Service, including its code, design, and categorisation rules, is our intellectual property
  • You may not copy, modify, distribute, or reverse-engineer any part of the Service
  • Open-source components are subject to their respective licences

12. Privacy

Your use of the Service is also governed by our Privacy Policy. By using the Service, you acknowledge that you have read and understood the Privacy Policy.

13. Changes to These Terms

  • We may update these terms from time to time
  • The current version and effective date are published on this page
  • Continued use of the Service after changes constitutes acceptance
  • If you disagree with updated terms, you should stop using the Service and wipe or request deletion of your data

14. Governing Law

These terms are governed by the laws of New Zealand. Any disputes will be resolved in the courts of New Zealand.

15. Contact

For questions about these terms, contact us at:

Tallio
NZBN 9429053814333
support@tallio.co.nz

Version History

Version Date Summary
1.3 28 August 2026 Licence covers aggregated rule improvements; in-app wipe vs account closure; changes published on this page
1.2 21 August 2026 Identified the operator and NZBN
1.1 17 August 2026 Sign-in via Google, Microsoft, or email magic link (Facebook removed)
1.0 6 July 2026 Initial version