User policy for Utgiftskollen

Utgiftskollen is a digital service that gives users the opportunity to compile and add up figures that they enter themselves. The website is intended to serve as a tool for providing an indicative overview of financial information. Please note that the website's functions are based exclusively on user-entered data and automatic mathematical calculations. It is the user's responsibility to ensure that the information entered is correct and relevant for the intended use.

Utgiftskollen expressly disclaims all responsibility for:

• The accuracy, completeness or reliability of the sums, results or calculations generated by the website.
• Any decisions, actions or conclusions the user draws based on the figures presented on the website.

Since all figures and information are entered by the user, Utgiftskollen cannot guarantee that the summed results are correct, exact or reflect reality. Factors such as changes in external circumstances, incorrect data entry or unexpected events may affect the relevance and validity of the results.

Use of the website is entirely at the user's own risk. Utgiftskollen:

• Gives no guarantees or assurances that the results generated will correspond to future outcomes, actual financial circumstances or external factors.
• Accepts no responsibility for financial losses, direct or indirect damages, or other negative consequences that may arise from use of the website.

It is the user's responsibility to supplement calculations with additional information or expert advice where necessary to ensure a correct and relevant financial analysis.

The website uses simple mathematical formulas to add up and process the information entered. This means that the results presented are mathematically generated and based strictly on the figures the user enters. Utgiftskollen performs no manual or automatic review of the correctness or reasonableness of the data.

By using the website, the user agrees to the following:

• The user is solely responsible for the correctness of the figures and information entered.
• The user understands and accepts that the results shown are for guidance only and do not constitute a definitive representation of reality.
• The user shall not use the results as a guarantee for financial decisions without having verified the information independently or in consultation with a qualified financial adviser.

Utgiftskollen respects users' privacy and ensures that no personal data that can be linked to an individual is stored. No names, addresses or other identifying information are stored by the website. The only information stored is the user's email address, and this solely for the purpose of enabling retrieval of the user's data from the database when needed. No further processing or sharing of this information takes place.

To understand how the website is used and to be able to improve it, Utgiftskollen collects anonymous visitor statistics using Vercel Web Analytics. No cookies are used and no information is stored on the user's device. The statistics include information about which pages are visited, where the visitor came from, approximate country and the type of browser, operating system and device. Visitors are distinguished by an anonymous value that is replaced every day, and IP addresses are not stored. The statistics cannot be linked to individual persons or to the user's account, and the amounts and information the user enters are not included.

Utgiftskollen reserves the right to update or change the website's functions, algorithms and calculation methods at any time and without notice. This may affect the results generated. Utgiftskollen does not guarantee that the website will operate without interruption or that the functions offered will always be available.

Utgiftskollen makes no representations, either express or implied, that the sums or results generated through the website are error-free, exact or suitable for the user's specific needs. The website is intended as a tool and should not be regarded as a substitute for professional advice or careful financial planning.

Users who experience technical problems or have questions about the website's functions are encouraged to contact Utgiftskollen using the contact details available on the website. Please note, however, that Utgiftskollen cannot provide individual support for analysing user data, as we only store email addresses.

By using the website, the user accepts that they have read, understood and approved this user policy in its entirety.