Terms of Service

Last updated 2026-05-16

These terms govern your use of Jämna ("the service"), a personal bill-splitting application hosted at jamna.myhrmans.com. By creating an account you accept these terms.

1. The service

Jämna lets you record shared expenses, split them between friends, calculate balances, and optionally import transactions from your Swedish bank via PSD2 open banking. The service is provided "as is" without warranty of any kind.

2. Your account

You sign in with a Swedish phone number that receives a one-time SMS code. You are responsible for the security of the phone number associated with your account. If you lose access to it, we may be unable to recover your account.

3. Acceptable use

You agree not to:

• Use the service to impersonate other people or misrepresent shared expenses.
• Attempt to access data or accounts that do not belong to you.
• Reverse engineer, scrape, or overload the service.
• Use the service for any illegal activity.

4. Money and accuracy

Jämna is a record-keeping tool. It tracks who paid for what and suggests settlements, but it does not move money. Actual payments happen between you and your friends (for example via Swish). You are responsible for confirming that any settlement is actually paid before marking it as settled. Imported bank transactions are read-only and verified by the bank, but the categorisation, splitting, and group assignment are your decisions.

5. Bank connection

Bank access is provided by EnableBanking AB under their PSD2 AISP licence. By connecting your bank you are entering into a separate consent with EnableBanking, valid for up to 180 days. You can revoke that consent at any time from the Bank inbox or directly with your bank.

6. Account deletion and data

You can delete your account at any time by contacting privacy@myhrmans.com. Deletion is permanent and removes your expenses, groups, friendships, and bank connection. Note that expenses you participated in but did not create are also removed from the group, which may affect other members' balances.

7. Liability

To the maximum extent permitted by law, the operator is not liable for any indirect, incidental, or consequential losses arising from your use of the service, including but not limited to disputes between users over recorded expenses or settlements.

8. Changes

These terms may change over time. The "last updated" date above reflects the current version. Continued use of the service after a change constitutes acceptance.

9. Governing law

These terms are governed by Swedish law. Disputes are settled in the competent courts of Sweden.

10. Contact

Questions about these terms: privacy@myhrmans.com.