By accessing or using the application available at bank.labz.my ("the Application"), you agree to these Terms of Service. If you do not agree, do not use the Application.
The Application provides financial support by connecting, via Open Banking (PSD2), to the user's own bank accounts in order to carry out proper financial planning — for example, viewing balances, transaction history, and planning insights derived from that data. The connection to bank accounts is provided through Enable Banking (enablebanking.com), a regulated account information service provider.
The Application is currently operated in personal production/demo use by its operator, Pedro Lemos, for his own use with his own bank accounts only. It is not made available to the general public and does not currently support registration or use by other individuals.
Use of the Application depends on an active Open Banking consent granted directly with your bank through Enable Banking's connection flow. That consent is subject to the terms, security requirements, and validity periods set by your bank and by Enable Banking, in addition to these Terms. If that consent expires, is revoked, or the underlying Open Banking connection becomes unavailable, the Application's functionality will be limited or unavailable accordingly.
The Application is a personal planning and information tool. It does not provide investment, tax, legal, or professional financial advice, and nothing produced by it should be treated as such. Decisions made based on information shown in the Application are the sole responsibility of the user.
You are responsible for keeping your bank credentials and any device or account used to access the Application secure, and for the accuracy of any consent you grant for the Application to access your account data.
As a personal, actively developed application, the Application is provided on an "as is" and "as available" basis, without guaranteed uptime. Features, data handling, and availability may change at any time as development continues.
To the fullest extent permitted by applicable law, the operator of the Application shall not be liable for any indirect, incidental, or consequential loss arising from the use of, or inability to use, the Application, including any inaccuracy in data retrieved through the Open Banking connection or any interruption of that connection.
Personal and financial data processed by the Application is handled as described in the Privacy Policy, which forms part of these Terms.
You may stop using the Application, and revoke the underlying Open Banking consent, at any time through your bank, through Enable Banking, or by contacting [email protected]. The operator may also discontinue or modify the Application at any time, given its personal/demo nature.
These Terms are intended to be interpreted in good faith consistently with the laws of Portugal and of Brazil, reflecting the jurisdictions relevant to the operator and the Application's use.
These Terms may be updated as the Application evolves. The effective date at the top of this page reflects the latest revision.
Questions about these Terms can be sent to [email protected].