Personal Finance Suite is an internal, single-user application operated by KNUS GmbH (Konstanz, Germany) and its sole user Simon Roser. It is used solely for the user's own financial monitoring, accounting review, and tax preparation. It is not offered, licensed, sold, or otherwise made available to any third party.
Use is limited to the account holder. The application is not a commercial service. There is no user registration, no pricing, and no service level.
Personal Finance Suite integrates with Enable Banking (as an account information service provider under PSD2), Lexware Office, Google Gmail, and the Anthropic API. Use of these services is subject to their respective terms and privacy policies. Personal Finance Suite holds no commercial relationship with these providers beyond their standard terms of service.
Access to bank account information via Enable Banking is granted by the account holder themselves through the strong customer authentication flow of their own bank. Consent is valid for up to 180 days and can be revoked at any time, both from within Personal Finance Suite and directly with the account holder's bank.
Personal Finance Suite is provided "as is" without warranty of any kind. It is a tool for internal review and does not constitute financial, tax, or legal advice. All figures displayed must be independently verified before use in any official filing or accounting document.
Because Personal Finance Suite is a single-user internal tool with no external users, no liability is assumed towards any third party. The operator remains fully responsible for their own use of the application.
These terms are governed by the laws of the Federal Republic of Germany.
KNUS GmbH, Konstanz, Germany
Simon Roser
a@sroser.com