Plaid accede ai dati del tuo conto finanziario con consenso esplicito, condividendoli con app di terze parti che usi, e puoi revocare il consenso in qualsiasi momento.
Analisi AI
Plaid accede ai dati del tuo conto finanziario con consenso esplicito, condividendoli con app di terze parti che usi, e puoi revocare il consenso in qualsiasi momento.
Accede a dati finanziari (transazioni, saldi, info personali) dai tuoi conti bancari SEE.
Richiede consenso esplicito per accedere e condividere i tuoi dati con app di terze parti.
Plaid declina responsabilità per azioni di app terze o accuratezza dati bancari.
Puoi revocare il consenso per l'accesso e la condivisione dei dati in qualsiasi momento.
L'accordo può cambiare con 2 mesi di preavviso; puoi recedere se non sei d'accordo.
Perché questo punteggio
Ampia raccolta di dati finanziari.+2
Ampia condivisione dati con app di terze parti.+3
Responsabilità limitata per azioni di terze parti.+2
Cosa è cambiato
+ #### End User Services Agreement (EEA)
Last Updated: 04 April 2022
Thank you for using Plaid!
This End User Services Agreement ("Agreement") is a legal agreement between Plaid, BV ("Plaid", "we" or "us") and the end user of our Services ("you", "your"). This Agreement only applies when we provide account information services and payment initiation services (within the meaning of the European revised payment service directive (EU) 2015/2366) to you with respect to a Netherlands or European Economic Area (EEA) payment account, and when we transmit retrieved data and/or the payment status related to such services to third parties on your behalf ("Services"). Such third parties include the owner or provider of the website, desktop and/or mobile application through which you have accessed our Services ("Application").
This Agreement describes the terms and conditions that apply to your use of the Services. You may not access or use the Services unless you agree to comply with all of the terms and conditions in this Agreement. You should therefore read this Agreement carefully and make sure you understand it. If you do not understand any of the terms and conditions of this Agreement, please contact us before using the Services by emailing us at regulatory@plaid.com.
You may view an up-to-date copy of this Agreement at any time at https://plaid.com/legal/#end-user-services-agreement-eea.
Jump to section:
Plaid
Plaid Services
Eligibility and Availability
Communication
Data
Liability
Complaints
Changes to this Agreement
Termination
Governing law and language
1. Plaid
1.1. Plaid, BV (RSIN 860002652) is licensed by De Nederlandsche Bank N.V. for the provision of account information services (AIS) and registered with De Nederlandsche Bank N.V. under number R179714.
1.2. Plaid's registered office address is Muiderstraat 1, 1011PZ Amsterdam, The Netherlands. Plaid's trading address is Suite 3A03, Singel 542, 1017AZ, Amsterdam, Nederland.
2. Plaid Services
2.1 You have accessed our Services through an Application or within the Plaid dashboard (available at https://my.plaid.com/). The products and services provided to you by the Application are governed by a separate agreement between you and the provider of the Application ("Application Terms"). We have no responsibility for the products and services provided to you by or through the Application and will not be liable to you for any harm, damage or loss arising from your use of the products and services provided by or through the Application.
2.2. Our Services will allow you to obtain financial information from your online bank or payment account ("Payment Account") (account information services).
2.3. The terms and conditions that apply to the Payment Accounts that you access through our Services (the "Account Terms") will remain in effect and this Agreement does not change your Account Terms.
2.4. We will not charge you for the use of our Services. Applications or other third parties may, however, charge you for products and services provided to you that make use of the Services provided by Plaid under this Agreement. Application providers and other third parties may pay us fees and other amounts in connection with the services we provide to them.
Account information services
2.5. Plaid's account information services allow you to access and view information relating to your selected Payment Account within the Plaid dashboard (available at https://my.plaid.com/) and the Application through which you have accessed our Services.
2.6. To access the Plaid dashboard, you need to create an account with Plaid. You also need to ensure that your information is accurate, complete and up-to-date. You must follow best practices to help secure your Plaid account and notify us if you learn of any unauthorised access to or use of your Plaid account.
2.7. With your explicit consent, we access and display information relating to your selected Payment Account(s) ("Account Information") within the Plaid dashboard and transmit such information to the Application through which you have accessed our Services. Such information may include:
(a) financial transaction history, for example, transaction amount, data, description and currency;
(b) financial account details, for example, account number, type, currency and balance; and
(c) financial account holder information, for example, name, address, phone number, and email address.
2.8. Before receiving Plaid's account information service, you will have instructed the Application through which you have accessed our Services to retrieve your Account Information using Plaid. Upon such an instruction, you will generally be redirected to us.
2.9. Once you are redirected to us, we will ask you to select which Payment Account provider ("Account Provider") you would like us to access Account Information from. You will give your explicit consent to us: (i) accessing your Account Information from the Account Provider you have selected; and (ii) taking the steps outlined in clause 2.12 of this Agreement once we have accessed your Account Information. Plaid will request your Account Information from your Account Provider on a periodic basis in accordance with your consent until the consent expires or is withdrawn.
2.10. Please note, you may be redirected to your Account Provider's website or mobile application in order to authenticate yourself so that your Account Provider knows that you consent to us accessing your Account Information.
2.11. Alternatively, in some circumstances, we may ask you to provide us with the login details for your Payment Account. By providing us with your Payment Account login details, you confirm that you have all the necessary rights, permissions and authority to share your login details and Account Information with us, and you grant us explicit consent to use your login details to access your Payment Account to obtain the necessary Account Information on your behalf and at your direction in order to provide you with the Services.
2.12. Once we have accessed your Account Information we may:
(a) share your Account Information with the Application through which you have accessed our Services;
(b) share your Account Information with third parties as directed by the Application through which you have accessed our Services provided, however, that you have explicitly consent to such sharing; or
(c) display your Account Information on the Plaid dashboard.
2.13. You agree to us sharing the Account Information we have accessed from your Account Provider with the Application through which you have accessed our Services, and with third parties as directed by that Application provided that in both cases you have explicitly consented to such sharing. Such sharing allows the Application to provide you with products and services in accordance with the Application Terms.
2.14. We do not check the accuracy of the Account Information retrieved from your Account Provider and we rely on your Account Provider to ensure that your Account Information is up to date and accurate.
2.15. We may standardize, categorize, merge, aggregate, and otherwise process your Account Information before displaying your Account Information on the Plaid dashboard, sharing it with the Application through which you have accessed our Services, or sharing it with third parties as directed by that Application with your explicit consent.
2.16. You may withdraw or vary your consent for Plaid to provide account information services at any time.
3. Eligibility and Availability
3.1. You can only use the Services if:
(a) you are 18 or over;
(b) your Payment Account and Account Provider are located in the Netherlands or any other country in the EEA;
(c) you provide us with accurate, complete, and up-to-date information, and do not misrepresent your identity or any other information about you;
(d) you agree to this Agreement, and to using our Services in accordance with this Agreement; and
(e) you agree to comply with all laws and regulations applicable to your use of the Services.
3.2. The Services that are available and the manner in which the Services are delivered may vary depending on the type of device you are using, the type of Payment Account(s) you have, the Account Terms and the Application Terms.
4. Communication
4.1. Where relevant, Plaid may send you information and notifications to your email address or mobile number via SMS where Plaid considers this appropriate.
4.2. If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can. You are responsible for maintaining and regularly checking your device or email inbox for information and notifications from Plaid.
4.3. You can contact Plaid by emailing us at regulatory@plaid.com.
5. Data
5.1. We use your information in line with our End User Privacy Policy ("Privacy Policy") which can be found on our website athttps://plaid.com/legal/#end-user-privacy-policy. If you are not comfortable with how we handle your information as explained in the Privacy Policy, you should not use our Service.
6. Liability
6.1. Plaid will not be liable to refund you for any losses caused by circumstances beyond our control, for example, due to extreme weather, terrorist activity or industrial action.
6.2. Plaid is not liable for any contravention of a requirement imposed on it by or under any applicable Dutch financial laws and regulation, where the contravention is due to:
(a) abnormal or unforeseeable circumstances beyond Plaid's control, the consequences of which would have been unavoidable despite all efforts to the contrary; or
(b) the obligations of Plaid under other provisions of EU or national law.
6.3. Nothing excludes or limits our liability for:
(a) death or personal injury caused by our negligence;
(b) our fraud or fraudulent misrepresentation; or
(c) a deliberate breach of this Agreement in a major way that is designed to harm you.
6.4. We are not liable to you for any harm, damage or loss to you arising from the acts or omissions of any third parties, in particular your Account Provider(s) and the Application through which you have accessed our Services.
7. Complaints
7.1. If you have a complaint about our Services, please email us atregulatory@plaid.com so that Plaid can investigate the circumstances for you. We will aim to deal quickly and fairly with any complaints you have about our Services in accordance with our obligations under applicable law. Plaid may, however, direct you to:
(a) your Account Provider, if your complaint relates to the services provided under the Account Terms; or
(b) the Application through which you accessed our Services, if your complaint relates to the products and/or services provided by the Application under the Application Terms.
7.2. If your complaint relates to our Services and we do not resolve it, you may be able to refer it to the Financial Services Complaints Board (Klachteninstituut financiële dienstverlening – KiFiD), within three months of receiving our final response regarding the complaint, or within one year after you have submitted your complaint with us. You can contact the Financial Services Complaints Board by telephone on: +3170 333 89 99 on Monday to Friday, 9am to 7pm and on Saturday 9am to 1pm; by post at KiFiD, Postbus 93257, 2509 AG Den Haag, The Netherlands; or by email: consumenten@kifid.nl. Plaid is registered with the Financial Services Complaints Board under number R179714. You also have the right to directly bring your complaint before the competent civil courts of the Netherlands.
7.3. Plaid is also not responsible for any complaints or disputes about products and/or services provided by the Application through which you accessed our Services, other third parties, or your Account Provider. You should settle these with the Application, third party, or Account Provider directly.
8. Changes to this Agreement
8.1. Plaid reserves the right to change this Agreement at any time. Plaid will take into account your interests affected by the intended changes and will only make changes that we consider to be reasonable.
8.2. We will give you at least two months' prior written notice via, at a minimum, the contact details you have supplied to us of any intended material change to this Agreement along with the new version of the Agreement.
8.3. If you do not agree with the proposed change(s) you must tell us using the Plaid contact details set out in clause 4.3 before that change takes effect and you will have the right to terminate this Agreement at any time before the proposed date of their entry into force. If you do not contact us in order to tell us that you do not accept the changes and request to terminate this Agreement you will be deemed to have accepted the change(s) to the Agreement.
9. Termination
9.1. The contract between you and Plaid which is set out in this Agreement and which governs your use of the Services will continue until cancelled in accordance with this clause 9.
9.2. You have the right to cancel the contract between us, which is set out in this Agreement, at any time without notice by contacting Plaid using the Plaid contact details set out at clause 4.3.
9.3. We may cancel the contract with you, with immediate effect, by giving written notice:
(a) if you repeatedly break this Agreement and fail to resolve the matter to Plaid's satisfaction in a timely manner; or
(b) in the event of your death or incapacity.
9.4. We may cancel this Agreement with you for any reason by giving you at least 2 months' written notice.
10. Governing law and language
10.1. This Agreement and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with it or its subject matter or formation shall be exclusively governed by and construed in accordance with the laws of the Netherlands.
10.2. This Agreement is available in the English and Dutch language. All communications with you will be in English.
Impatto regionale
EUMedium
I tuoi dati finanziari sono trattati secondo PSD2 e GDPR. Il consenso esplicito è fondamentale, ma la condivisione con app terze richiede attenzione.
USLow
Questa politica è specifica per l'SEE. Se i tuoi dati sono trasferiti negli USA, sarebbero soggetti a leggi privacy come CCPA/CPRA.
GlobalMedium
I tuoi dati finanziari sono molto sensibili. Comprendi come vengono condivisi e i tuoi diritti di revoca del consenso a livello globale.