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Terms of use

The Orwanna terms: what the app does, how the money moves, the 2-week trial, the subscription and how to withdraw.

DRAFT, pending legal review

Version 0.1, 5 November 2026. The Spanish version is the source; if the two differ, the Spanish one applies.

These terms are the contract between you and [RAZÓN SOCIAL], tax id (NIF) [NIF], registered address [DOMICILIO], registered at the [REGISTRO MERCANTIL] ("Orwanna" or "we"). Contact: [EMAIL DE CONTACTO]. You accept them when you start the trial or the subscription. Read them together with the privacy policy.

1. What Orwanna does

Orwanna is an app for paying off a revolving credit card sooner.

  1. With your permission, it reads the transactions on your accounts through Tink AB, an authorised payment institution in Sweden.
  2. It rounds each card purchase up to the next euro and multiplies the round-up by 1, 2 or 3, as you choose. It counts from the day you start; anything before is only a preview and is never sent.
  3. It shows you what you owe and an estimate of the interest you save and of when you would finish paying, with and without round-ups.
  4. When your round-ups reach 15 €, or on Sunday at 18:00 (Madrid time) if they do not, it proposes a send to your debt. If you do not answer within 7 days, the proposal expires and the round-ups go back to the counter.
  5. If you confirm the send, Orwanna asks Tink to initiate a transfer from your account to your card's IBAN. Your bank asks you to confirm it and executes it.

2. How the money moves

A licensed partner initiates each payment. Orwanna never initiates, holds or executes it: the money goes from your account straight to your debt, after you confirm at your bank.

In practice:

  • Orwanna has no accounts for your money and no send passes through it.
  • The partner that initiates the payment is Tink AB. You accept its terms on its own page before you connect your bank and before each payment.
  • The payee of each send is the IBAN you entered for your card. Your bank shows it to you before you confirm. Check it.
  • Your bank executes the payment only after you authorise it with its strong authentication (your fingerprint, your face, a code or whatever your bank uses).
  • Your bank may charge you a fee for the transfer. It shows it to you before you confirm. Orwanna charges nothing for sends; its only price is the subscription.
  • If a payment fails, is cancelled or expires, the round-ups it carried go back to the counter.

3. What Orwanna does not do

  • It does not lend you money or manage your card.
  • It does not negotiate with your lender or speak to it on your behalf.
  • It does not pay your monthly instalment. You must keep paying it as usual.
  • It does not decide how your lender applies an extra payment. Depending on your card's terms, your lender may use it to reduce what you owe or hold it against the next instalment.
  • It does not advise you. See section 5.

4. The figures are estimates

The figures for interest saved and for the date your debt ends are estimates. We work them out from the data you give us and on these assumptions:

  • The balance, interest rate (TIN) and monthly payment you entered are correct and do not change.
  • You make no new purchases on the card in debt.
  • Your lender applies each send to reduce what you owe, on the day it receives it.
  • Your round-ups continue at the same pace as so far.

If any of these does not hold, the real result will differ. The app shows the assumptions next to each figure. We do not guarantee any saving or any date.

5. Not financial advice

Orwanna does arithmetic with your own data and shows you the result. It is not financial, investment, tax or legal advice, nor a personal recommendation. If you are unsure what suits you, ask your lender or a professional.

6. Who can use Orwanna

To use Orwanna you must:

  • Be 18 or over and live in Spain.
  • Hold, in your own name, an account at a bank Tink can connect to.
  • Have an Apple or Google account to sign in.

An Orwanna account is personal. Do not use it for another person's accounts or cards.

7. Your part

  • Enter your card's IBAN and the rest of your debt's details correctly. Check the payee at your bank before you confirm each send.
  • Make sure you have the money. Orwanna does not propose a send that would leave your account below the minimum balance you choose, but your balance can change between the proposal and the confirmation.
  • Protect your phone and your Apple or Google account.
  • Do not use Orwanna for anything illegal, do not try to access other people's data and do not overload the service.

8. Access to your bank

The permission for Tink to read your accounts lasts 90 days. Before it expires we will remind you to renew it; if you do not, the app stops reading new transactions and proposing sends until you reconnect. You can withdraw the permission at any time by deleting your Orwanna account or from your bank.

9. Free trial and subscription

  • Trial. The first 2 weeks are free. That is enough for two weekly sends. There is one trial per person; Apple or Google enforces it through your store account.
  • Price. When the trial ends, the subscription costs 2,99 € a month, taxes included, and renews automatically every month until you cancel.
  • Billing. Apple (App Store) or Google (Google Play) charges you, depending on where you subscribe, with the payment method on your store account. We do not see your payment details. Receipts, charges and refunds are handled by the store under its own terms.
  • Cancelling. From the subscription settings on your iPhone (App Store) or in Google Play. To avoid being charged, cancel before the trial or the current month ends; Apple asks you to do it at least 24 hours before. If you cancel, you keep access until the end of the period already paid for or of the trial.
  • Deleting the app or the account does not cancel the subscription. Cancel it in the store.
  • Without a subscription. When the trial or the subscription ends, the app stops reading your accounts and proposing sends. Your data stays until you delete the account. [If you do not subscribe again within 12 months, we will tell you and delete the account: to be decided.]
  • Price changes. If we change the price, we will tell you at least 30 days in advance. If the store requires it, you will need to accept the new price to continue; if you do not, the subscription ends at the end of the paid period.

10. Right of withdrawal

As a consumer, you have 14 calendar days to withdraw from the contract without giving a reason (Spanish consolidated consumer law, TRLGDCU, Arts. 102 to 108). The period starts on the day you enter the contract, that is, the day you start the trial or, if you have no trial, the day of the first charge.

How it fits with the trial. The trial lasts those same 14 days and is free. If you withdraw or cancel before it ends, you pay nothing.

Starting straight away. When you start the trial or the subscription, you ask us to start the service at once, within the withdrawal period. If you had no trial (for example, because you used it before) and you withdraw within the 14 days, you are owed a refund of the first charge minus the share for the days you used the service. [Pending legal review: whether moving from trial to paid starts a new period.]

How to withdraw. Send us a clear statement at [EMAIL DE CONTACTO] or by post to [DOMICILIO]. You can use the form in the annex, but you do not have to. It is enough to send it before the period ends. Because the store takes the payment, the store also makes the refund: ask Apple at reportaproblem.apple.com or Google in Google Play. If the store does not give it to you, write to us and we will sort it out with you. The refund is made within 14 days at most from when you tell us you are withdrawing, to the same payment method.

Withdrawing from the subscription does not delete your account. If you also want to delete it, do so in Settings.

11. Liability

We are liable for damage we cause you by not meeting these terms, as the law sets out.

We are not liable for:

  • How your lender applies each payment, or its fees or interest.
  • The execution of payments by your bank, or the services of Tink, Apple or Google, which are liable under their own terms and under payment services law.
  • A send to a wrong IBAN that you entered and confirmed at your bank.
  • Interruptions caused by your bank, by Tink or by causes outside our control.

We try to keep Orwanna running at all times, but there may be interruptions for maintenance or faults. If a long interruption stops you using what you paid for, write to us.

Nothing in this section limits your rights as a consumer under the law or our liability for wilful misconduct or gross negligence.

12. Suspension and closure

By you. You can stop using Orwanna and delete your account at any time from Settings. Remember to cancel the subscription in the store too.

By us. We may suspend or close your account if you seriously breach these terms, if there is a security risk to you or others, or if the law requires it. We will tell you beforehand and say why, unless the law or security prevents it. If we close your account without any breach on your part, we will refund the share of the paid period you cannot use.

If Orwanna stops operating. We will tell you at least 30 days in advance, stop charging and tell you how to download your data.

13. Changes

We may change Orwanna to improve it, for security reasons, or because the law or a provider changes. If a change significantly harms you, we will tell you at least 30 days in advance and you can cancel at no cost before it applies.

If we change these terms, we will tell you in the app and by email at least 30 days in advance. If you do not agree, you can cancel the subscription and delete the account before they apply.

14. Intellectual property

The app, the Orwanna brand and its content belong to [RAZÓN SOCIAL] or its licensors. We give you permission to use the app on your devices, for your personal use, while you have the account. Your data remains yours.

15. Applicable law and complaints

These terms are governed by Spanish law. If you have a complaint, write to [EMAIL DE CONTACTO]; we will answer as soon as we can and within one month at most. You can also complain to the consumer services of your autonomous community.

[We have not signed up to any alternative consumer dispute resolution scheme: confirm.]

If it comes to court, the courts of your place of residence have jurisdiction.

Annex. Withdrawal form

(Only fill in and send this form if you want to withdraw from the contract.)

To [RAZÓN SOCIAL], [DOMICILIO], [EMAIL DE CONTACTO]:

I hereby give notice that I withdraw from my Orwanna subscription contract.

  • Ordered on / received on: _______
  • Name: _______
  • Email of the Orwanna account: _______
  • Store where I subscribed (App Store or Google Play): _______
  • Signature (only if sent on paper): _______
  • Date: _______