Terms and conditions

1. Service operator and contact

The service is operated by Centinn.

For contractual questions, service requests or formal notices, write to info@centinn.com.

2. Acceptance and requirements

You accept these terms when you create an account, confirm your acceptance or use a restricted Centinn feature. If you do not accept the terms, do not create an account and do not use the restricted features.

• You must be at least 18 years old.
• You must act for professional purposes or on behalf of a business.
• You must have the authority needed to represent the business.
• You must provide complete and accurate information.

If you accept these terms on behalf of a business, you confirm that you can bind that business. In that case, references to the user also include the business.

3. The service

Centinn builds tools to organise and understand a business’s financial data. Its features may include cash management, taxes, invoicing, staff, accountant support and AI assistance.

The demo uses sample data. Centinn may change, add or remove features to improve the service.

The public website describes the direction of the product. It does not guarantee that every feature described is already available in your account.

4. Account, security and business authority

You must protect your account and use an email address you control.

• Do not share credentials, access codes or sign-in links.
• Report any suspicious access straight away.
• Update your business details when they change.
• Connect only organisations and accounts you are entitled to manage.
• Do not use another person’s account without permission.

Centinn may ask for information to verify the identity, the business and the representative’s authority. Centinn may limit access until the verification is complete.

5. Bank connection

Centinn uses Enable Banking as its Open Banking provider. The connection uses the bank’s own authentication and the interfaces provided for Open Banking.

1. The user chooses the bank and the accounts.
2. The bank authenticates the user.
3. The user authorises access to the data shown.
4. Enable Banking sends Centinn the authorised data.
5. Centinn uses the data for the features requested.

Centinn never receives your bank credentials. The connection is read-only. This flow does not authorise Centinn to make payments.

The user can revoke the authorisation or choose not to renew it. The bank or Enable Banking may limit its duration, frequency and the data available. Revoking it stops further updates.

Enable Banking or the bank may show additional terms during authorisation. Those terms govern the services of the party that presents them and do not replace Centinn’s terms.

6. User data and content

The user keeps the rights to the data and content they provide. The user authorises Centinn to process them only to provide, protect and improve the service requested.

The user confirms that they may provide the data and connect the selected accounts. The user must respect the rights of employees, customers, suppliers and other counterparties.

The Privacy and cookie policy describes the categories, purposes, recipients and rights relating to personal data.

7. Analysis, forecasts and AI features

Centinn may calculate indicators, produce estimates and explain financial information. The AI features help the user read the data and prepare operational tasks.

• Forecasts depend on the quality and completeness of the data available.
• Estimates may differ from actual results.
• AI answers may contain errors or incomplete information.
• The user must check every result before relying on it.

Centinn does not replace accountants, tax advisers, lawyers or financial advisers. The user stays in control of business, tax and financial decisions.

8. Permitted and prohibited use

Use Centinn only for lawful and authorised activities.

You may not:

• access data, accounts or organisations without authorisation;
• provide false information or impersonate other people;
• get around access controls, technical limits or security measures;
• interfere with the service or introduce malicious code;
• extract data by automated means without written permission;
• copy, resell or sublicense the service to third parties without permission;
• use the service for fraud, money laundering or other illegal activities.

Centinn may block activity that creates a real risk for users, data or infrastructure.

9. Intellectual property

Centinn keeps the rights to the software, the brand, the designs, the documentation and the original content of the service. These terms do not transfer those rights to the user.

Centinn grants a limited, revocable and non-transferable right to use the service for the duration of the relationship. The user may use the service only in line with these terms.

If the user sends a suggestion, Centinn may use it to improve the product. Centinn does not acquire the user’s business data through such a suggestion.

10. Prices and subscriptions

The prices shown on the website are indicative and do not by themselves create a subscription.

Before any charge, Centinn will show the price, taxes, duration, renewal and how to cancel. The user will have to confirm the paid plan separately.

11. Availability and external services

Centinn aims to keep the service available and secure, but does not guarantee continuity, the absence of errors or permanent availability.

Banks and providers run systems outside Centinn’s control. Outages, maintenance or limits of those systems may reduce the features available.

Centinn may suspend a feature for maintenance, security, compliance or technical risk. Centinn communicates major interruptions when it is possible to do so.

12. Liability

The user must check data, due dates, forecasts and results before making a decision. Centinn is not liable for decisions made without adequate checks.

To the extent permitted by law, Centinn is not liable for indirect losses, loss of profit or damage caused by external services. Centinn does not exclude any liability that the law does not allow to be excluded.

13. Suspension, withdrawal and closure

The user can stop using the service and ask for the account to be closed. They can revoke any bank connection.

Centinn may suspend or close access for breaches, security risks, legal obligations or unauthorised use. Centinn gives notice when the situation allows.

Closure ends the right to use the service. The clauses on intellectual property, liability and governing law remain in force where necessary.

Closure does not always mean that all data is deleted immediately. The Privacy and cookie policy describes retention, deletion and legal obligations.

14. Changes to the terms

Centinn may update these terms when the product, the law or a relationship with a provider changes. The date at the top shows the latest revision.

Centinn announces important changes on the website, in the app or by email. Centinn asks for a new acceptance when a change requires it.

15. Governing law and disputes

These terms are governed by Italian law, subject to any applicable mandatory rules.

The parties first seek a direct solution in good faith. If they cannot find one, the applicable rules determine the competent court.

These terms do not limit any mandatory rights granted by law.

This English version is a translation; if it differs from the Italian text, the Italian text prevails.

16. Final provisions

If a clause is found invalid, the other clauses remain in force. Not exercising a right does not mean waiving it.

The user may not transfer the relationship without Centinn’s written consent. Centinn may transfer the relationship as part of a reorganisation, in compliance with the law and the user’s rights.