Terms of Use

These Terms of Use govern your relationship with the company that operates the “Sally” application and website. Please read them before using the Service. They include information about what Sally does and does not do, about the use of artificial intelligence, about connecting your bank accounts, about our role in relation to the loan product presented through the Application, and about the optional subscription service and the knowledge game provided within the Application.

1. Company Details

The “Sally” mobile application and the website www.meet-sally.com (together, the “Platform”) are owned and operated by the company below:

The above details are provided in accordance with Article 4 of Presidential Decree 131/2003. The above company is hereinafter referred to as “the Company” or “we”.

2. Subject Matter and Scope of Application

2.1. These Terms govern access to and use of the Platform and all services provided through it (the “Services”), by every visitor or registered user (the “User” or “you”).

2.2. The Service is addressed exclusively to natural persons acting for purposes unrelated to their trade, business or profession, who have their permanent residence in Greece.

2.3. These Terms, the Privacy Policy and the Cookie Policy form a single set. In the event of a conflict between them on a matter of personal data protection, the Privacy Policy shall prevail.

2.4. These Terms do not govern the loan agreement you may enter into with the partner credit institution. That agreement is governed exclusively by its own terms, as further described in Article 9.

2.5. These Terms replace and supersede any previous version of terms of use published by the Company, including the terms relating to the intermediation service for the advance payment of accrued salary, which has ceased operating.

3. Acceptance of the Terms

3.1. Acceptance of these Terms occurs through an express and active declaration by the User when creating an account in the Application. Mere browsing of the website, scrolling the page, or inactivity does not constitute acceptance.

3.2. The Company keeps a record of the acceptance, including at least the version of the text accepted, the date and time of acceptance, and the account identifier.

3.3. The User may retrieve the full text of the Terms in force at any given time through the Application and the website, in a format that allows storage and printing.

4. Registration and Conditions of Use

4.1. Access to the Services requires the creation of a personal account.

4.2. The right to register belongs exclusively to natural persons who:

• (a) have reached 18 years of age and have full legal capacity,
• (b) have their permanent residence in Greece,
• (c) act on their own behalf and not on behalf of a third party.

4.3. The User must provide accurate and up-to-date information and update it upon any change.

4.4. Access to the Application is via two-factor authentication. The User must keep their credentials confidential and notify the Company without delay at info@meet-sally.com in case of suspected unauthorized access.

4.5. The Company does not knowingly collect data from minors. If it is established that an account was created by a minor, the account is deleted and the related data erased.

5. The Services

5.1. The Platform currently provides the following Services:

• Connection of one or more of the User's bank accounts and retrieval of balance and transaction information, through a licensed account information service provider (Article 6).
• Automatic categorization of transactions, expense tracking, budgeting and detection of recurring charges (Article 8).
• An artificial intelligence Digital Assistant for organizing the User's finances (Article 7).
• Presentation of the option to obtain a consumer loan from a partner credit institution (Article 9).
• Presentation of commercial offers from partner businesses (Article 11).
• An optional subscription service with additional features (Article 13).
• A financial-knowledge game with prizes (Article 14).

5.2. The Company is not a credit institution, is not a payment institution, and does not itself provide payment services. It does not grant loans, does not hold accounts, does not safeguard the User's money, and does not execute payments on the User's behalf.

5.3. The Company does not assess the User's creditworthiness and does not decide whether or not to grant financing.

6. Connecting Bank Accounts

6.1. The connection of the User's bank accounts is carried out through the company ITBS Finance SMPC, trading as “finker”, based in Ilioupoli, Attica, 28 Alex. Panagouli Ave., P.C. 163 45, with registration number 157447201000 and Tax ID 801466383, a licensed Account Information Service Provider within the meaning of Directive (EU) 2015/2366 and Law 4537/2018, supervised by the Bank of Greece.

6.2. The User's consent to retrieve the data is given within the secure strong customer authentication environment of the User's bank, to the above company. The Company receives the data as a third-party recipient, on the basis of that consent.

6.3. Through the service, balance and account-movement information is retrieved, with a history of up to twenty-four (24) months. The Company does not retrieve, and is never made aware of, the User's password, PIN or any other security code.

6.4. The Company cannot initiate a payment, money transfer or any transaction from the connected accounts.

6.5. Consent is freely revocable at any time, at no cost, through the Application or through the User's bank. Revocation results in the discontinuation of functions that require a connected account, without affecting the lawfulness of processing carried out before the revocation.

6.6. The information displayed in the Application is that most recently retrieved and may not reflect pending or very recent transactions. The Company does not verify the accuracy of this information with respect to the underlying transactions.

7. The Artificial Intelligence Digital Assistant

7.1. Notice on the use of artificial intelligence. The “Sally” Digital Assistant is an artificial intelligence system. The Company places it on the market and puts it into service under its own name and trademark, and is therefore considered a provider within the meaning of Article 3(3) of Regulation (EU) 2024/1689. As provider, it ensures that the User is expressly informed, both in these Terms and within the Application at the start of each conversation, that they are interacting with an artificial intelligence system and not a natural person, in accordance with Article 50(1) of the same Regulation.

7.2. For the Digital Assistant to function, the content of the conversation and data relating to the User's transactions are transmitted to a third-party artificial intelligence model provider, who acts as processor on behalf of the Company. Detailed information, including the identity of the provider and the country of processing, is set out in the Privacy Policy.

7.3. The Digital Assistant receives information on transactions, recurring charges and balances of the connected accounts. It does not receive passwords or security codes.

7.4. The Digital Assistant cannot execute transfers or payments, cannot enter into contracts on the User's behalf, and does not make or prepare decisions that produce legal effects or significantly affect the User.

7.5. Responses generated by artificial intelligence systems may be inaccurate or incomplete. The User is invited to evaluate them critically and not to treat them as personalized professional advice. See also Article 19.

8. Budgeting and Categorization Tools

8.1. The Application automatically categorizes transactions, displays an overview of expenses, supports goal-setting, and detects recurring charges.

8.2. Categorization is performed by automated means and may contain errors. The User can correct the category of a transaction through the Application.

8.3. These tools are for informational purposes. They do not replace the official account statements provided by the User's bank.

9. Presentation of the Loan Product

9.1. Who grants the loan. The Company does not grant loans. Through the Application, the option to obtain a consumer loan is presented from the credit institution “TBI BANK EAD, Branch Greece”, trading as “tbi bank”, based at 196 Kifisias Ave., Chalandri, Attica, P.C. 152 31, with GEMI No. 163671460001 and Tax ID 996646764, a branch of the foreign banking company “TBI Bank EAD”, based in Sofia, Bulgaria, supervised by the Bulgarian National Bank. Prudential supervision of the credit institution is exercised by the competent authority of its home state, while the Bank of Greece exercises host-state competences (the “Bank”).

9.2. Once the User selects the financing option, they are transferred to a dedicated online environment of the Bank. Submission of the application, identification, assessment, approval or rejection, conclusion and signing of the loan agreement, disbursement, repayment and management of the loan are carried out exclusively by the Bank.

9.3. The characteristics of the loan product, in particular the amount, duration, interest rate, any charges and the Annual Percentage Rate of Charge (APR), are determined exclusively by the Bank and disclosed to the User by the Bank before conclusion of the agreement, in accordance with applicable consumer credit legislation. At the time of issuance of these Terms, the product presented concerns amounts from three hundred (300) to one thousand (1,000) euros, repayable in instalments.

9.4. The Company does not guarantee approval of the application and is not liable for the Bank's decision. The Bank is not obliged to justify a rejection to the Company.

9.5. The right of withdrawal from the loan agreement, the right of early repayment, the consequences of default, and any other related right or obligation are governed exclusively by the loan agreement and the Bank's General Terms.

9.6. The Company does not carry out debt collection and does not manage overdue debts.

9.7. The transfer of the User's data to the Bank is governed by the Privacy Policy. The transfer takes place only following the User's separate, express consent.

10. Disclosure of Capacity and Remuneration

10.1. The Company acts as an intermediary in presenting the loan product. It does not act as the User's agent and does not provide advisory services as to the suitability of the product for the User's needs.

10.2. The Company receives from the Bank an intermediation fee, calculated as a percentage of the net amount of loans disbursed following presentation through the Application. The fee does not affect the interest rate, charges or any other term of the loan offered to the User.

10.3. The User is not charged any amount by the Company for this service. The fee is paid exclusively by the Bank.

10.4. Cooperation with the Bank is not exclusive. The Company may also cooperate with other credit or financing institutions.

11. Commercial Offers from Partners

11.1. Offers from partner businesses may be presented through the Application. These offers constitute proposals of the respective businesses and are governed by their own terms.

11.2. The Company is not a party to the relationship between the User and the partner business and is not liable for its performance.

11.3. Where the presentation of an offer is linked to remuneration to the Company, this is clearly indicated at the point of presentation.

12. Cost of the Service

12.1. The Services described in Articles 6 to 9 are provided to the User free of charge.

12.2. In addition, the Company offers an optional subscription service, governed by Article 13.

12.3. The Company does not receive from the User any fee, commission or other charge for presenting the loan product or for submitting a loan application. The fee the Company receives from the Bank is disclosed in Article 10.

12.4. The cost of internet connection and mobile data use is borne by the User.

13. Optional Subscription Service

13.1. The Company offers an optional subscription service (the “Subscription”), which provides the following additional features:

13.2. What does not change without a Subscription. A User who does not acquire a Subscription continues to have full and unrestricted access to bank account connection, transaction categorization, budgeting, the Digital Assistant, and the presentation of the loan product. None of these features is degraded, restricted or made subject to payment. The only feature that requires a Subscription is the Game described in Article 14.

13.3. The Game as a Subscription benefit. Participation in the Game of Article 14 requires an active Subscription and is one of its benefits. The Subscription is not consideration for participation in a game of chance and is not sold in exchange for the expectation of a prize. Within the Subscription, all subscribers participate on absolutely equal terms: the amount, duration or timing of acquiring the Subscription does not confer points, additional attempts, or any advantage in scoring or ranking.

13.4. No additional charge for the prize. Claiming, accepting and receiving a prize does not entail any payment or expense beyond the Subscription fee the User has already paid before participating. The winner receives the prize even if their Subscription has meanwhile expired or been terminated, without any obligation to renew or make any other payment.

13.5. The price of the Subscription is EUR 2.99 per month, VAT inclusive. The price, billing frequency and total charge are shown to the User before they commit, in accordance with Article 3b of Law 2251/1994. The order-completion button expressly indicates the obligation to pay.

13.6. Payment is processed via Stripe. The Company does not receive or store full payment card details. A receipt is issued and made available to the User for each charge.

13.7. If a charge fails, the Company notifies the User and retries within 2 days. If the charge cannot be completed, the Subscription is suspended and subsequently terminated, without any further charge to the User.

13.8. The Subscription is concluded for a one-month term and is automatically renewed for an equal term, unless the User cancels it. The Company reminds the User of the upcoming renewal and the amount to be charged at least 2 days beforehand.

13.9. The User may cancel automatic renewal at any time, without justification and without charge, through the Application's settings. Cancellation takes effect at the end of the current period, for which the Subscription remains active. The cancellation process is no more burdensome than the process of subscribing.

13.10. Right of withdrawal. The User has the right to withdraw from the Subscription within fourteen (14) calendar days of its conclusion, without justification and without any charge, in accordance with Articles 3e et seq. of Law 2251/1994. A withdrawal function is available within the Application, activated with a single tap and confirmed in writing. A model withdrawal statement is included in the Application's Annexes.

13.11. If the User expressly requests that provision of the service begin before expiry of the withdrawal period and subsequently withdraws, they owe an amount proportionate to the service provided up to the withdrawal statement. That request is made separately and is not pre-selected.

13.12. The Company refunds any amount due without delay, and in any case within fourteen (14) days of receiving the statement, using the same means of payment, unless the User agrees otherwise.

13.13. Any change in price or material change in the content of the Subscription is notified at least thirty (30) days before it takes effect. The User is entitled to terminate the Subscription without penalty until that date. Features included in the Subscription are not removed during a period for which the User has already paid the fee.

13.14. The Company may terminate the Subscription with thirty (30) days' notice, refunding the proportionate unused part of the fee. Deletion of the account automatically results in termination of the Subscription and the corresponding refund.

13.15. The Subscription is provided in accordance with the compliance criteria of Law 4967/2022, which transposed Directive (EU) 2019/770. In the event of non-compliance, the User is entitled to have compliance restored, to a proportionate price reduction, or to terminate the contract. The Company provides the updates necessary to maintain compliance throughout the Subscription.

13.16. If the subscription features cannot be provided for a period longer than 15 consecutive days, the User is entitled to a proportionate reduction of the fee.

14. Knowledge Game within the Application

14.1. The Company organizes within the Application a financial-knowledge game under the trade name “Money League” (the “Game”), in which prizes are awarded.

14.2. A game of skill. The determination of winners depends exclusively on the correctness of answers and, in the event of a tie, on response time. At no stage does a draw, random number generator or other element of chance intervene. The Game does not constitute a game of chance within the meaning of Article 25 of Law 4002/2011 and is not subject to licensing by the Hellenic Gaming Commission.

14.3. The right to participate belongs exclusively to Users who have reached 18 years of age, hold an active Subscription under Article 13, have connected a bank account, and have accepted the Game's Terms of Participation through an express and active declaration.

14.4. The subject matter of the Game consists of questions relating to the User's own finances. This use constitutes the very content of the service that the User expressly requests when entering the Game, is fully disclosed before first participation, and ceases when the User exits the Game, without loss of the other Services.

14.5. No connection with creditworthiness assessment. The User's participation, answers, performance and ranking in the Game are not used, directly or indirectly, to assess their creditworthiness, are not transmitted to the Bank, and do not affect the ability to obtain, or the terms of, any financing product.

14.6. Prizes are procured and awarded by the Company. They are not exchangeable for money and are not transferable. Claiming and receiving them does not require any payment beyond the Subscription fee already paid, in accordance with Article 13(4).

14.7. The Game is governed by separate Terms of Participation, available within the Application before the start of each cycle, which include the duration, the prizes, the method of determining winners, the objection procedure, and the tax treatment of prizes.

15. User Obligations

15.1. The User must use the Platform in accordance with the law and these Terms, provide truthful information, and not infringe third-party rights.

15.2. In particular, it is prohibited:

• (a) to provide false or misleading information,
• (b) to use the Platform on behalf of a third party without lawful authorization,
• (c) to gain unauthorized access to parts of the Platform, to automatically extract content, and to circumvent security mechanisms,
• (d) to transmit malicious software or content that could harm the systems of the Company or third parties,
• (e) to use the Platform for money laundering or terrorist financing.

16. Suspension and Termination

16.1. The Company may suspend or terminate the User's access to the Services, in whole or in part, in the event of a material breach of these Terms, reasonable suspicion of fraud or unlawful use, or to comply with a legal or supervisory obligation.

16.2. The Company informs the User of the reason for the measure and gives them the opportunity to present their views. Notification precedes the measure, unless this is impossible for security or compliance reasons, in which case it takes place without delay after the measure is taken.

16.3. The User may delete their account and terminate the contract at any time, without justification and without charge, through the Application or by message to info@meet-sally.com.

16.4. Deletion of the account does not affect any existing contractual relationship between the User and the Bank, including any debt from an active loan.

17. Protection of Personal Data

17.1. The processing of personal data is governed by the Company's Privacy Policy, which forms an integral part of these Terms.

17.2. The Company does not carry out creditworthiness assessments and does not make decisions based solely on automated processing that produce legal effects or significantly affect the User, within the meaning of Article 22 of Regulation (EU) 2016/679.

18. Intellectual and Industrial Property

18.1. All content of the Platform, indicatively logos, trademarks, texts, graphics, interfaces, software and code, constitutes the intellectual or industrial property of the Company or its licensors. Texts, graphics, interfaces and software are protected under Law 2121/1993. Logos and trademarks are protected under Law 4679/2020.

18.2. The User is granted a non-exclusive, non-transferable and freely revocable right to use the Application for personal, non-commercial purposes, for as long as their account exists.

18.3. Data relating to the User remain the User's own. Nothing in these Terms transfers rights over such data to the Company, beyond what is required to provide the Services.

19. No Professional Advice is Provided

19.1. Sally does not provide legal, tax, accounting, investment, insurance or other professional advice, and does not provide investment advice within the meaning of applicable legislation on markets in financial instruments.

19.2. The content provided through the Digital Assistant and the budgeting tools is informational and educational in nature and does not constitute a recommendation to undertake any specific action.

19.3. The User is encouraged to consult a competent professional before making significant financial decisions.

20. Availability and Liability

20.1. The Company makes reasonable efforts to ensure the continuous and secure operation of the Platform. Operation may be temporarily interrupted for reasons of maintenance, upgrades or force majeure.

20.2. The Company is liable in accordance with Greek law. Its liability for wilful misconduct, gross negligence, harm to life, physical integrity or health, as well as its liability under Article 82 of Regulation (EU) 2016/679, is not excluded or limited by these Terms.

20.3. The Company is not liable for:

• (a) the Bank's decision to approve or reject a loan application, and for any act or omission of the Bank in the context of the loan agreement,
• (b) the accuracy of information provided by the User themselves,
• (c) the availability or errors of third-party providers' systems, in particular banks and the account information service provider,
• (d) damage due to unauthorized use of the User's credentials, provided this is not due to the Company's fault.

20.4. The Company does not warrant that the Platform will be free from viruses or malicious software. The User must take reasonable measures to protect their device.

21. Accessibility

21.1. The Company ensures the accessibility of the Application and the website in accordance with Law 4994/2022, which transposed Directive (EU) 2019/882.

21.2. Accessibility information for the Service, as provided for in Annex V of Law 4994/2022, is available on the website and updated on every material change. The User may report an accessibility issue at info@meet-sally.com.

22. Amendment of the Terms and the Services

22.1. These Terms may be amended, in particular due to changes in legislation or in the Services provided.

22.2. Any amendment is notified to the User by a notice within the Application or by electronic message, at least thirty (30) days before it takes effect.

22.3. If the User does not accept the amendment, they are entitled to terminate the contract without penalty and without any charge until the date it takes effect, by deleting their account. The User's inactivity does not constitute acceptance of a material amendment that worsens their position.

22.4. The history of versions of the Terms is kept and made available to the User upon request.

23. Communication and Complaints

23.1. For any question, clarification or complaint, the User may contact info@meet-sally.com.

23.2. The Company responds to every complaint within fifteen (15) calendar days of receipt. If further investigation is required, the User is informed within the same period of the progress and of the time of the final response, which does not exceed thirty (30) calendar days.

23.3. Complaints relating to the loan agreement should be addressed to the Bank.

24. Out-of-Court Dispute Resolution

24.1. Before any recourse to court, the User is invited to contact the Company in accordance with Article 23.

24.2. The User is entitled to have recourse to a body for alternative resolution of consumer disputes, in particular the Independent Authority “The Consumer's Ombudsman” (144 Alexandras Ave., P.C. 114 71, Athens, www.synigoroskatanaloti.gr).

24.3. For disputes relating to the loan agreement, the User may have recourse to the competent body for alternative resolution of disputes for financial services, provided the Bank participates in the relevant procedure, in particular the “Hellenic Financial Ombudsman” (www.hobis.gr). The User may also identify the competent body through the European FIN-NET network.

24.4. Recourse to the above bodies is optional and does not affect the User's right to have recourse to the competent courts.

25. Governing Law and Jurisdiction

25.1. These Terms are governed by Greek law.

25.2. The courts competent to resolve disputes are those determined under the Code of Civil Procedure. The User-consumer may in any case bring proceedings before the court of their place of residence. These Terms do not provide for exclusive jurisdiction against the User-consumer.

25.3. Nothing in these Terms deprives the User of protection afforded by mandatory legal provisions.

26. Final Provisions

26.1. The invalidity of any individual term does not affect the validity of the remaining terms.

26.2. Failure or delay by the Company to exercise a right does not constitute a waiver of it.

26.3. The User may not assign their rights or obligations under these Terms. The Company may assign the contract to an affiliated company or in the context of a corporate transformation, subject to prior notice to the User at least thirty (30) days in advance and the User's right to terminate without penalty.

26.4. Notices to the User are given by a notice within the Application or by e-mail to the address the User has provided. The User must keep it active and up to date.