Banker
These Terms and Conditions (the "Terms") are a legally binding agreement between you ("the User", "you") and Banker ("Banker", "the Platform", "we"), operated by 3-101-969375 SOCIEDAD ANONIMA, corporate ID 3-101-969375, domiciled in Costa Rica. By creating an account, ticking the acceptance box, or accessing or using any part of the service, you represent that you have read, understood and agreed to be bound by these Terms and by our Privacy Policy, which forms an integral part of this agreement.
If you do not agree to these Terms, you must not create an account or use the Platform. If you use the Platform on behalf of a legal entity (for example, your company), you represent and warrant that you have sufficient authority to bind that entity to these Terms, and "User" shall also refer to that entity.
A record of your acceptance (date, time and version of the Terms accepted) is kept as part of your account and constitutes evidence of your consent.
To use Banker you must: (a) be at least eighteen (18) years old; (b) have legal capacity to contract; and (c) not have been previously suspended or removed from the Platform. By accepting these Terms you represent that you meet all of these requirements.
The Platform is primarily aimed at users and businesses in Costa Rica. If you access it from another jurisdiction, it is your responsibility to verify that your use of the Platform complies with applicable local laws.
Banker is a personal and business financial management platform that allows you to, among other features: view and organize accounts and transactions; synchronize banking information; manage budgets, debts, goals and provisions; manage receivables and payables; issue, receive and manage electronic receipts before the Costa Rican Ministry of Finance (Hacienda); and generate financial reports and indicators.
Banker is a software tool. We are NOT a financial institution, bank, electronic money issuer, investment adviser, certified public accountant or tax adviser. No feature, indicator, suggestion or content of the Platform constitutes financial, accounting, tax or legal advice. Decisions you make based on information presented by the Platform are your sole responsibility, and we recommend consulting licensed professionals before making significant decisions.
We may add, modify or discontinue features at any time as part of the natural evolution of the product. When a change substantially reduces a core feature, we will endeavour to give reasonable advance notice.
You are responsible for keeping your Banker access credentials confidential (email and password, and any second authentication factor you enable) and for all activity that occurs under your account. You must notify us immediately of any unauthorized use or suspected compromise of your account.
You agree to provide true, accurate and current information when registering and to keep it so for as long as you hold an account. We may suspend or close accounts whose information is false, misleading or so outdated that the service cannot be operated safely.
We recommend enabling multi-factor authentication (MFA). Account security is a shared responsibility: we apply reasonable technical and organizational measures, and you must safeguard your credentials and the devices from which you access the service.
Certain features allow you to connect accounts at financial institutions (for example, transaction synchronization) or state services (for example, credentials for the Ministry of Finance electronic-receipt system and your cryptographic key with its PIN). By providing them, you represent that you are the legitimate holder of those credentials or that you have the holder’s express authorization.
Third-party credentials you entrust to Banker are stored encrypted using managed key-management systems (KMS) and are used exclusively to deliver the feature you request: synchronizing your transactions, signing your receipts or authenticating your submissions to Hacienda. They are never displayed back in the browser nor shared with third parties unrelated to providing the service.
You understand that synchronization with third-party portals depends on the availability and changes of those portals, which are beyond our control, and may be interrupted or degraded without notice. You may delete your stored credentials at any time from the corresponding settings.
Banker offers features to build, digitally sign (XAdES), submit and check electronic receipts in the format required by Costa Rica’s tax authority. You are and remain the legal issuer of your receipts: Banker acts solely as a supporting technology tool.
You are responsible for: (a) the truthfulness and accuracy of the data in each receipt (identity, economic activity, line items, amounts, taxes and recipients); (b) keeping your cryptographic key, PIN and Hacienda system credentials valid; (c) your tax obligations, including filings and payments before the authorities; and (d) using the correct environment (testing or production).
Acceptance or rejection of a receipt is an exclusive decision of the Ministry of Finance systems. Banker faithfully displays the responses of those systems, but does not guarantee their availability, response times or validation criteria. Cancellation of accepted receipts is carried out through the corresponding legal instruments (credit or debit notes), and you are responsible for their justification and content.
You agree NOT to: (a) use the Platform for unlawful purposes, including tax evasion, money laundering, financing illegal activities or issuing false receipts; (b) attempt to access third-party accounts, systems or data without authorization; (c) interfere with the operation of the Platform, including introducing malware, denial-of-service attacks or automated bulk data extraction; (d) reverse engineer, decompile or attempt to extract the source code of the service, except to the extent expressly permitted by law; (e) resell, sublicense or make the service available to third parties without our written authorization; or (f) impersonate any person or entity.
We may immediately suspend or cancel accounts that breach this clause, without prejudice to any applicable legal action.
The Platform allows you to create workspaces and share them with other users under different roles and permissions. Whoever administers a workspace is responsible for the invitations they issue and the permissions they grant. Information visible within a shared workspace will be accessible to its members according to their assigned role; consider carefully what you share and with whom.
By accepting an invitation to someone else’s workspace, you agree to use the information you access solely for the purposes of that workspace and in accordance with these Terms.
The processing of your personal data is governed by our Privacy Policy and by Costa Rica’s Law on the Protection of Individuals regarding the Processing of their Personal Data (Law No. 8968) and its regulations, as well as any other applicable rules.
In summary: we collect and process the data necessary to provide the service (account data, financial information you register or synchronize, receipts you issue or receive, and technical metadata); we apply encryption in transit and at rest for sensitive credentials; we do not sell your personal data; and we use first-tier infrastructure providers to host the service. You may request access to, rectification or deletion of your data, as well as an export of your information, through the Platform’s options or by writing to us.
By accepting these Terms you expressly consent to the data processing described in the Privacy Policy, including the processing of the financial information necessary to operate the features you choose to use.
The Platform, its code, design, trademarks, logos, interfaces and contents (excluding your data) are the property of Banker or its licensors and are protected by intellectual property laws. These Terms do not transfer any ownership rights to you; they only grant you a limited, revocable, non-exclusive and non-transferable license to use the Platform in accordance with these Terms.
Your data is yours. You grant us only the limited license necessary to host, process, back up and display your information in order to provide the service to you, and to generate aggregated, anonymized statistics that do not identify you.
The Platform interacts with third-party services (banking institutions, the Ministry of Finance, exchange-rate providers, cloud infrastructure and artificial-intelligence models for features such as automatic categorization). We do not control those services and are not responsible for their availability, accuracy or changes.
AI-assisted features (for example, categorization suggestions) are probabilistic aids: they can be wrong and you should review them before relying on them for significant decisions.
We strive to keep the Platform continuously available, but we do not guarantee uninterrupted or error-free availability. We may perform scheduled or emergency maintenance. We make reasonable backups of information; nevertheless, we recommend that you periodically export any information you consider critical.
We may modify these Terms. When a change is substantial, we will notify you through the Platform (for example, a notice at login or an email) with reasonable advance notice. Use of the service after the effective date of the changes constitutes your acceptance of the new Terms; if you do not agree, you must stop using the service and may close your account.
Some features may be offered free of charge and others under paid plans. The prices, features and limits of each plan will be described in the Platform at the time of contracting. Unless otherwise indicated, prices do not include applicable taxes.
We may modify prices with reasonable prior notice; changes will not affect periods already paid. Non-payment may result in the limitation or suspension of paid features, upon notice.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, DATA ACCURACY AND NON-INFRINGEMENT.
Without limiting the foregoing, we do not warrant that: (a) balances, categorizations, indicators or projections are free of errors; (b) synchronization with third parties will be continuous or complete; or (c) the systems of the Ministry of Finance or financial institutions will be available or respond on time. The information presented is for informational and personal or business organization purposes.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEITHER BANKER NOR ITS SHAREHOLDERS, DIRECTORS, EMPLOYEES OR SUPPLIERS SHALL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, NOR FOR LOSS OF PROFITS, REVENUE, DATA, BUSINESS OPPORTUNITIES OR EXPECTED SAVINGS, ARISING OUT OF OR RELATED TO THE USE OR INABILITY TO USE THE PLATFORM, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
BANKER’S TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING FROM THESE TERMS OR THE USE OF THE PLATFORM SHALL NOT EXCEED THE AMOUNT ACTUALLY PAID BY YOU TO BANKER DURING THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO LIABILITY OR, IF YOU HAVE NOT PAID ANY AMOUNT, FIFTY US DOLLARS (US$50).
Nothing in these Terms excludes or limits liabilities that cannot be excluded or limited under applicable law, including those arising from willful misconduct or gross negligence.
You agree to indemnify and hold harmless Banker, its shareholders, directors, employees and suppliers from any claim, demand, penalty, loss or expense (including reasonable legal fees) from third parties or authorities arising from: (a) your use of the Platform in violation of these Terms or the law; (b) the information you register, issue or share through the Platform, including electronic receipts; or (c) the infringement of third-party rights attributable to you.
These Terms apply from your acceptance and for as long as you hold an account. You may close your account at any time from the Platform settings; closure deletes your information in accordance with our Privacy Policy and legally required retention periods.
We may suspend or terminate your access, with or without prior notice, if: (a) you materially breach these Terms; (b) your use creates legal, security or operational risk for the Platform or third parties; or (c) required by law or an order from a competent authority. Where reasonable, we will notify you and give you an opportunity to remedy.
Clauses that by their nature should survive termination (including intellectual property, disclaimer of warranties, limitation of liability, indemnification and governing law) shall remain in force.
These Terms are governed by the laws of the Republic of Costa Rica, without regard to its conflict-of-law rules. Any dispute arising from these Terms or the use of the Platform that cannot be resolved amicably shall be submitted to the competent courts of the Republic of Costa Rica, without prejudice to mandatory consumer-protection rules that may apply.
Before initiating any action, the parties will endeavour in good faith to resolve the dispute through direct communication within a period of thirty (30) calendar days.
The Platform may show you suggestions, a traffic-light status, indicators, projections, debt payoff strategies, offer evaluations, goal or emergency-fund plans, automatic categorizations and assistant responses. All of it is informational and organizational material, generated from the information you register or synchronize, and does NOT constitute financial, investment, accounting, tax or legal advice, nor a personalized recommendation.
Banker does not act as your adviser or fiduciary, and use of the Platform creates no advisory or intermediation relationship between you and us. You are solely responsible for assessing the suitability of any suggestion for your situation and for the decisions you make; we recommend consulting licensed professionals before making significant decisions.
To the maximum extent permitted by law, you assume the entire risk of acting or refraining from acting on any recommendation, indicator or content of the Platform, and you hold us harmless for the outcomes of those decisions, in accordance with the Disclaimer of Warranties, Limitation of Liability and Indemnification clauses.
We will not be liable for any failure or delay in performing our obligations arising from causes beyond our reasonable control, including acts of God or force majeure, power or telecommunications failures, disruptions of infrastructure providers, financial institutions or the Ministry of Finance systems, cyberattacks, acts of authority, labor disputes or natural disasters. During such events, the affected obligations will be suspended for as long as the cause persists.
Entire agreement: these Terms, together with the Privacy Policy and any specific terms accepted within the Platform, constitute the entire agreement between the parties regarding the service. Severability: if any provision is declared invalid, the remaining ones shall remain in full force. No waiver: failure to exercise a right does not constitute a waiver of it. Assignment: you may not assign this agreement without our consent; we may assign it in the context of a reorganization or sale of the business, upon notice to you. Notices: notices will be made through the Platform or to the email address registered on your account.
For questions about these Terms, exercises of rights over your data, or legal notices, you can contact us at: support@bankercr.com. Last updated: September 3, 2026.