Terms of Use

Effective 26 October 2026. These terms are an agreement between you and SIA "NordF" for the use of the Skien app. By using Skien you accept them.

Skien is provided by SIA "NordF", registration number 50203736551, VAT number LV50203736551, Vesetas iela 24-45, Rīga, LV-1013, Latvia. You can contact us by email at support@nordfunded.com or by post to SIA "NordF", Vesetas iela 24-45, Rīga, LV-1013, Latvia.

Skien helps you keep track of subscriptions, bills and other expenses, plan savings and set spending limits. It works with the information you enter.

Skien is not a bank, payment service or financial adviser. It does not connect to your bank, hold money or make payments. Central bank rates, savings projections and calculator results are estimates for information and learning, not financial, tax or investment advice.

You are responsible for the accuracy of what you enter and for keeping your device secure. Use Skien only for lawful, personal purposes and do not try to interfere with the app.

Shared spaces and invites should only include people who agree to be added.

Skien is free to use with the basics. Every new account gets 14 days of Premium free, without payment details; after that Skien stays free unless you choose to subscribe. Reaching level 30 in the app adds two free months of Premium.

Skien Premium is an auto-renewable subscription sold through the Apple App Store: €2.99 a month or €24.99 a year (prices may differ by country and include VAT where it applies). Payment is charged to your Apple ID when you confirm the purchase. The subscription renews automatically for the same period and price unless it is cancelled at least 24 hours before the end of the current period. You can manage or cancel it in your Apple ID settings (Settings → your name → Subscriptions). Apple handles billing and refunds under its own terms.

If you downloaded Skien from the App Store, Apple's Licensed Application End User License Agreement also applies. Apple is not responsible for the app or its support.

We work to keep Skien reliable but cannot promise it will always be available or free of errors. We may change or stop features. Without an account your data is stored only on your device, so keep your device backed up.

To the extent the law allows, we are not liable for indirect losses, or for decisions you make based on estimates or reminders in the app. Nothing in these terms limits liability that cannot be limited by law, including for intent or gross negligence, or your rights as a consumer.

You can stop using Skien at any time by deleting the app, and delete your account in Settings. We may suspend accounts that break these terms.

These terms are governed by the laws of the Republic of Latvia. If you are a consumer, you also keep the protection of the mandatory laws of the country where you live. EU consumers can also use the European Commission's online dispute resolution platform.

We may update these terms. We will change the effective date above and, for important changes, tell you in the app.