General Terms and Conditions of Use

These General Terms and Conditions of Use (hereinafter, "the Terms and Conditions") govern the access and use of the website accessible through the domain name and its subdomains (hereinafter, "the Website"), as well as the contracting of services through the same. The simple access to the Website confers to the user the condition of user of the same (hereinafter, "the User"). In case of not agreeing with these Terms and Conditions, the User must immediately leave the Website without using it.

By accepting these Terms and Conditions the User declares:

  1. That he/she has read, understands and accepts what is set forth herein.
  2. That, in the event that he/she is willing to contract any goods and/or services, he/she has sufficient capacity to do so.
  3. That, in case of acting on behalf of a legal person, he/she has sufficient power of  representation in force for this purpose.
  4. That he/she is of legal age.

1. General Web Site Information

General information about the Web Site is provided below:

Owner: BANK2EMAIL, S.L. (hereinafter referred to by its trade name, "BANKTRACK").

Postal address: Barcelona (C.P. 08021), Travessera de Gràcia, núm. 15, SA 2.



Telephone: +34680742082.

Registration data: Registered in the Mercantile Registry of Barcelona, volume 48004, folio 28, S8, page B 569136, first inscription.

2. Access to the Web Site

Simple access to the Web Site is free of charge except for the cost of connection through the telecommunications network provided by the access provider contracted by the User.

3. Content and services linked through the Web Site

The Web Site may contain technical linking devices, directories and even search instruments that allow the User to access other pages and Internet portals (hereinafter, "Linked Sites"). In these  cases, BANKTRACK will only be responsible for the contents and services supplied in the Linked Sites to the extent that it has effective knowledge of their illicitness and has not deactivated the link to them with due diligence. In the event that the User considers that there is a Linked Site with illicit or inadequate contents, he/she can communicate it to BANKTRACK.

In no case the existence of Linked Sites should presuppose the formalization of agreements between BANKTRACK and the responsible or owners of the same, as well as the recommendation or promotion of the Linked Sites and/or its contents by BANKTRACK. Unless otherwise expressly indicated in the Web Site, BANKTRACK does not know the contents and services of the Linked Sites and, therefore, is not responsible for the damages that these can produce to the User or to any third party.

4. Intellectual and industrial property

All the contents of the Website, including but not limited to, texts, photographs, graphics, images, icons, technology, software, links and other audiovisual or sonorous contents, as well as its graphic design and source codes, are intellectual property of BANKTRACK or third party licensors, without any of the exploitation rights recognized by the current legislation on intellectual property on the same being understood as assigned to the User.

The trademarks, commercial names and other distinctive signs published on the Website are owned by BANKTRACK or third party licensors and/or licensors, and no rights over them may be understood as assigned to the User.

The User authorizes BANKTRACK through the contracting of the services offered through this Web Site to make use of the image of its brand, commercial name and/or other distinctive signs for its publication in the Web Site with the objective of making known those companies to which BANKTRACK provides its services.

5. Contracting of goods and/or services

5.1. Main characteristics of the services

The User may contract the service (hereinafter "the Service") consisting of access to a platform to control their finances with various functionalities, among which are: receiving in his/her email, WhatsApp, Telegram, SMS, or any other means of communication made available to him/her, a daily, weekly, monthly report or with the periodicity chosen by the User, with all the financial movements of all the bank accounts that the User chooses within the financial entities named below and of which the User may be the holder; configuring a control panel of his/her financial data; creating automatic rules to organize his/her financial transactions.

BANKTRACK can provide the Service with respect to several financial entities that can be consulted directly in the list of available entities within the application.

The Services offered by BANKTRACK have the following plans, the first one for individuals and the other two for professionals:

  • Personal: free and personal version.
  • Freelance: freelance basic and freelance plus version.
  • Company: business basic, business plus and business advanced version.

5.2. Contracting procedure

The language in which the contract may be formalized is English.

The procedure for contracting the Service through the Website is as follows:

  1. The User will be registered in the Service at the moment he/she registers in the "Start for free" section.
  2. The User will then create an account and will receive a message at the e-mail address he/she has entered to confirm the creation of the account.
  3. Once the account has been created, the User will be able to link the different bank accounts of which he/she is the holder for the correct provision of the Service by BANKTRACK.

The User should be aware that neither BANKTRACK nor the entities accredited by the Bank of Spain, Morpheus Aiolos S.L., GoCardless SAS, and Wealth Reader S.L. retain the access data to the different banking entities owned by the User.

BANKTRACK will keep electronic proof of the contracting carried out by the User.

5.3. Password

The User is responsible at all times for the custody of his password, assuming any damages that may arise from its misuse, as well as the transfer, disclosure or loss of the same. To these effects, the access to areas restricted and/or the use of the services and contents of the Web Site made under your password shall be deemed to have been made by the User.

5.4. Correction and identification of data entry errors

When the User forgets to correctly fill in any information indicated as obligatory in the corresponding form, he/she will not be able to advance in the contracting or validation process until he/she has completed it. A message on the screen will warn him/her of this circumstance.

You may modify and/or update the data provided during the contracting process at any time, before its completion, by going back to the desired step.

By accessing his/her account, the User may modify and/or update at any time the data provided at the time of registration as a user of the Website.

5.5. Service Provision

The User can choose the frequency with which he/she wishes to receive the report on his/her bank accounts as well as the channel through which he/she wishes to receive it. Also, whenever he/she wishes, he/she can consult these reports and dashboards directly on the Website from his/her account.

5.6. Price and payment terms

The prices of the service indicated on the Website for the personal plan include Value Added Tax (VAT), for the Autonomous and Company plan the VAT is shown in the payment gateway before proceeding to the payment. In any case, prices are expressed by default in Euro currency (€). These prices, unless expressly stated otherwise, do not include additional services and annexes to the Service purchased.

The payment methods available on the Website are as follows:

  • Credit card.
  • Paypal.
  • Direct debit.

6. Right of withdrawal applicable to Users of the "Personal" account

The User has the right to withdraw from the contract concluded with BANKTRACK within fourteen calendar days without justification.

The withdrawal period shall expire fourteen calendar days from the day indicated below:

  1. In case of a service contract: from the day of the conclusion of the contract;
  2. In case of a contract of sale: from the day the User or a third party indicated by the User, other than the carrier, acquires the material possession of the goods;
  3. In case of a contract for delivery of multiple goods ordered by the User in the same order and delivered separately: from the day the User or a third party indicated by the User, other than the carrier, acquires the material possession of the last of such goods;
  4. In case of delivery of a good composed of multiple components or parts: from the day the User or a third party indicated by the User, other than the carrier, acquires material possession of the last component or part;
  5. In the case of a contract for the periodic delivery of goods during a specified period: from the day on which the User or a third party indicated by him, other than the carrier, acquires the material possession of the first of such goods.

To exercise the right of withdrawal, the User must notify BANKTRACK of his decision to withdraw from the contract by means of an unequivocal statement (for example, a letter sent by post or e-mail). The User may use the model withdrawal form accessible HERE, although its use is not obligatory.

In order to comply with the withdrawal period, it is sufficient that the communication concerning the User's exercise of this right is sent before the expiration of the corresponding period.

6.1. Consequences of withdrawal

In the event of withdrawal by the User, BANKTRACK will refund to the User all payments received from the User, including delivery costs (with the exception of additional costs resulting from the User's choice of a mode of delivery other than the least expensive mode of ordinary delivery offered by BANKTRACK) without undue delay and, in any event, no later than 14 calendar days from the date on which BANKTRACK is informed of the User's decision to withdraw from the contract. BANKTRACK will proceed to effect such reimbursement using the same means of payment used by the User for the initial transaction, unless the User has expressly provided otherwise; in any case, it will not incur any costs as a result of the reimbursement.

If the User has requested that the provision of the service begins during the withdrawal period, the User shall pay BANKTRACK an amount proportional to the part of the service already provided at the time the User gave notice of withdrawal, in relation to the total object of the contract.

6.2. Cases of non-application of the withdrawal right

In accordance with the provisions of Article 103 of Royal Legislative Decree 1/2007, of November 16, 2007, which approves the revised text of the General Law for the Defense of Consumers and Users and other complementary laws, the User may not withdraw from contracts relating to:

a) The provision of services, once the service has been fully executed, and if the contract imposes on the User an obligation to pay, when the execution has begun, with the prior express consent of the User and with the knowledge on his part that, once BANKTRACK has fully executed the contract, he will have lost his right of withdrawal.

b) The supply of digital content that is not provided on a tangible medium when performance has begun and, if the contract imposes a payment obligation on the User, when the following conditions are met:

  1. The User has given prior consent to start the execution during the period of the right of withdrawal.
  2. The User has expressed his/her knowledge that, as a consequence, he/she loses his/her right of withdrawal; and
  3. BANKTRACK has provided a confirmation pursuant to Articles 98.7 or 99.2. of Royal Legislative Decree 1/2007, of November 16, 2007, approving the revised text of the General Law for the Defense of Consumers and Users and other complementary laws.

7. Complaints, claims and requests for information

The User may address complaints, claims and/or requests for information to BANKTRACK, using any of the following channels:

  1. By sending a letter to Barcelona (C.P. 08021), Travesera de Gracia, núm. 15, SA 2.
  2. By sending an e-mail to
  3. By calling +34 680 74 20 82 from 09:00 to 13:00, Monday to Friday except holidays.

BANKTRACK has official complaint forms that the User can request.

8. Legal warranty of conformity for digital content or digital services applicable to Users of the "Personal" account

The User is reminded that, in accordance with the provisions of Articles 114 and following of the Royal Legislative Decree 1/2007, of November 16, which approves the revised text of the General Law for the Defense of Consumers and Users and other complementary laws, all digital content or services delivered or supplied by BANKTRACK must be in accordance with the contract concluded, BANKTRACK being liable to the User for any lack of conformity that may arise in the following cases:

In the case of digital content or services supplied in a single act or in a series of individual acts, BANKTRACK shall be liable for any lack of conformity that exists at the time of supply and becomes apparent within two years of supply.

In the case of digital content or services or goods with digital elements, if the contract provides for the continuous supply of digital content or services for a specified period of time, BANKTRACK shall be liable for any lack of conformity of the digital content or services which occurs or manifests itself within the period during which the digital content or services are to be supplied in accordance with the contract. However, if the contract for the purchase of goods with digital elements provides for the continuous supply of the digital content or services for a period of less than three years, the period of liability shall be three years from the time of delivery.

Where applicable, the lack of conformity resulting from an incorrect integration of digital content or services in the User's digital environment shall be equated to lack of conformity, when any of the following conditions are met:

  1. The incorrect integration has been carried out by BANKTRACK or under its responsibility.
  2. The contract provides for the integration to be carried out by the User, it has been carried out by the User and the incorrect integration is due to deficiencies in the integration instructions provided by BANKTRACK.

9. Nullity and ineffectiveness of the clauses

If any clause included in these Terms and Conditions is declared totally or partially null or ineffective, such nullity or ineffectiveness shall only affect such provision or the part thereof that is null or ineffective, and these Terms and Conditions shall subsist in all other respects and such provision shall be considered totally or partially as not included.

10. Applicable law and competent jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with Spanish law.

If the User is the User of a Personal account, as a consumer or user, in the event of a dispute, he/she may choose to bring his/her claim before the Courts or Tribunals corresponding to his/her domicile.

If the User is the User of an autonomous account or company, he/she does not have the status of consumer or user, and therefore he/she and BANKTRACK agree to submit any dispute arising from the use of the Site

Web, or the contracting of goods and/or services carried out through the same, to the Courts and Tribunals of Barcelona, expressly waiving any other jurisdiction that may correspond to them.

11. Alternative dispute resolution for consumer disputes applicable to Users of the "Personal" account

The User is informed of the existence of the European Union's online dispute resolution platform, which can be accessed here.