Updated December 2020

TERMS AND CONDITIONS 


1. What is Astat App

These legal terms (Norwegian law applies) are between you (the limited company, sole trader and authorised users of the account) and Astat AS (Astat/us/we) and you agree to them by using the Astat app. Your Astat account is a Norwegian business current account and you mustn't use it for personal banking.

You should read this document along with our data privacy notice. 


2. How to contact us 

You can contact us through the Astat app.

Email us at hello@astat.app

Or send a letter to: Nedre vollgate 3, 0158 Oslo, Norge. 


3. How we'll contact you 

We'll contact you in Norwegian and/or English via the Astat app, or through your email, phone, business or home address. Please let us know if any of these change.

You're responsible for the actions of people authorised to use your account.

You must be authorised by your business and be a director or sole trader owner to set up a business account. If authorised by your business, you can add anyone to share the account with you. If you give them admin permissions they'll be able to do everything you can (including making payments, adding other users, who can add other users), although ultimately you're responsible for their actions. You can add and manage user permissions in the Astat App. 


Any admin user can give us instructions on behalf of all users. We won't ask for you to give instructions jointly, unless it's to remove a user or close the account.


If we're aware there's a dispute between users we may ask for instructions to be given jointly, or reject the instruction. We may freeze the account while we investigate the dispute, and may request evidence to confirm the dispute has been resolved.

If you want to remove someone from the account, please contact us via the Astat app.


4. Making payments 

You need enough money in your account to make payments. But some transactions that would take your balance below zero may still go through and take you into unarranged overdraft. If that happens, we'll let you know the amount you'll need to repay before the end of the day and you'll need to pay us back as soon as possible. You'll find information about unarranged overdraft fees on our fees and charges page.

Joint account holders will be individually as well as jointly liable. This means we can ask any of you to pay back money you owe us.


We may block your payments and/or prevent user access if:


  • your instructions are unclear
  • we suspect criminal activity on your account
  • we're not legally allowed to make the transfer
  • it goes over your payment limits (you'll find these in your app; they'll change over time).


If we block a payment, we'll let you know as soon as possible using one of our usual channels.


5. Payment Information 

You can find information on all your transactions in your feed and your regular bank statements in the app. This table explains when we'll make payments



6. Fees and charges 

You'll find information about your account fees on our fees and charges page. All accounts have a monthly fee. We charge a monthly account fee, starting the day you open the account. You need to pay the fee when it's due and if you don't have enough money in the account we'll retry each day. The subscription fee is non-refundable.

You may have to pay other costs, taxes or charges in relation to your Astat account, which are outside of our control and not charged by us. For example, other banks may charge you for sending money to your Astat account.


7. You agree to us using your information 

By accepting these terms, you agree to us using your information to make and receive payments on your account. If you're no longer happy for us to use your information, we'll have to close your account. But we may keep personal data about you, your directors, your users and other relevant third parties and use it where we have lawful grounds to do so. For example, any records we need to keep for regulatory reasons (see our Privacy Notice). 


8. If something goes wrong

Please keep your phone, card and PIN safe at all times. If we discover any security issues affecting your account, we'll contact you as soon as possible using one of our usual channels. 

If you lose your card or see transactions in the app that look wrong, freeze your card and tell us as soon as possible (and no later than within 12 months from the date the money was taken from your account, otherwise you might not be able to get your money back).


We'll usually refund you any money if:


  • it was taken using your card or card details after you froze your card in the app,
  • we should've applied strong customer authentication but we didn't,
  • someone makes a payment without your or another authorised user's permission.


We'll also refund any money you lost due to our mistakes or inaccuracies with your payments. We can help by speaking to other banks to make sure they treat any payment we send late as if it was sent on time.

But you won't be able to claim back money you've lost if you or people you authorised:


  • gave us incorrect instructions or we can prove that the bank we sent your payment to received it (although we'll still try to help you recover your money)
  • purposefully didn't keep your phone, card or PIN safe, or you were very negligent in not keeping them safe
  • gave your phone, card or PIN to someone else when your account is overdrawn
  • acted fraudulently.


If someone pays money into your account by mistake you give us permission to return it.

If you've used your card to make a payment which didn't specify the exact amount (for example when hiring a car), and the final amount is higher than you could reasonably have expected, we'll give you a refund. You'll need to tell us within 2 months of the transaction, and give us any information we reasonably ask for to investigate.


9. Closing your account 

Once this agreement has started it won't end until you or we end it. You can cancel your account within the first 30 days of opening it, or close it at any other time. If you'd like to, please get in touch with us. We will ask for joint instruction from all authorised users to close the account. You'll need to repay any money you owe us before we can close your account. Once we've closed it, your card won't work and you won't be able to access your account.

We can close your account by giving you at least two months' notice. 


We may close your account or stop you using your card and app immediately if we believe you or any authorised user has:


  • broken the terms of this agreement
  • put us in a position where we might break the law
  • broken the law or attempted to break the law
  • given us false information at any time
  • been abusive to anyone at Astat or a member of our community
  • your business is no longer eligible or there's been a material change to your business 


10. What happens if someone dies 

Where there are multiple account holders and one of you dies, the account won't be considered as part of the deceased person's estate and the surviving account holders can continue to use the account.


11. How to make a complaint

If you have a complaint, please contact us and we'll do our best to fix the problem.

If you're still not happy, and are an eligible small business, you can refer your complaint to the Forbrukerrådet. For more details, or to check your eligibility, you can visit their website at https://www.forbrukerradet.no


12. Making changes to this agreement 

This agreement will always be available in the app and on our website.

If we make changes to it that are clearly in your favour, we'll tell you once we've made them. Otherwise we'll give you two months' notice.

If you don't agree to these changes, you can let us know and we'll close your account. We'll transfer any money in the account to another account of yours, and you'll need to pay back any money you owe us.


Astat AS registered in Norway. Registered No. 925 895 431. Registered Office: Nedre Vollgate 3, 0158 Oslo, Norge. 

COOKIE POLICY 


Updated December 2020


1. The basics 


Cookies help us keep you and Astat safe, give you a better experience and show you more relevant advertisement. 


Think of cookies as stickers - when you visit a site, the site puts a sticker on you so that it knows if you come back and can collect information about your visit. That lets the site show things relevant to you, based on information you’ve entered and stuff you’ve looked at. The length of time stored depends on the cookie, but this is generally between a few minutes and up to two years.


We use these kinds of cookies on Astat.app: 


  • Cookies to help keep you and Astat safe (you can't turn these off)
  • Cookies to give you a better experience (you can turn these off)
  • Cookies to help show you more relevant ads (you can turn these off)


Most are third-party cookies that belong to another website than Astat.app. Some are our own.


So you know, the cookies we use never store or access any of your banking details.


2. Cookie settings

Cookies that help keep you and Astat safe


Some cookies help us keep you (and us) safe. Because we need them to keep our site secure, you can't turn them off. For example, we use Cloudflare cookies to protect our site against attacks.


Cookies that give you a better experience. 


We use analytics cookies like Google Analytics to see where you spend your time on our website, and work out which bits of Astat.app are most (and least) effective. This helps us know what’s working, what might be broken and what we should improve.

We also use cookies to recognise you when you come back to our site. When we spot it’s you, we know whether or not to show you things you’ve already seen (like our cookie banner). You can turn these off using the toggle below if you like.

 







Cookies to help show you more relevant ads


We use cookies from companies like Facebook to show you more relevant ads for things we think you’d like. For example, if you’ve browsed pages about our Savings Pots, we may decide you could be interested in saving and show you an ad about savings on Facebook.


We also use cookies to exclude you from some advertising campaigns. For example, once you set up your Astat account, we’ll use this data to stop showing you ads asking you to install the app. You can turn these off using the toggle below if you like. 







Other ways to turn off cookies


You can also turn cookies off in your browser or phone settings.

If you want to do this, try looking in your internet browser's help menu, or searching for ‘how to block cookies’. Your browser also lets you delete any cookies stored on your device, whenever you wish. You can also usually opt out of advertising cookies directly, via Facebook ads preferences, or Twitter account personalization.


Questions

We take privacy very seriously and are always open to your feedback. If you have any more questions about our cookie notice or how we use cookies please email hello@astat.app.