General Terms and Conditions

Last updated: 2026-05-08

These General Terms and Conditions (“GTC”) govern the use of the KontoMatch platform (“Service”), operated by Gordian Analytics SA, a company incorporated under the laws of Switzerland, with its registered office at Canton of Vaud, Switzerland (“KontoMatch”, “we”, “us”, “our”).

1.2 Acceptance

By creating an account or using the Service, you (“User”, “you”, “your”) agree to be bound by these GTC and our Privacy Policy. If you do not agree, you must not use the Service.

1.3 Eligibility

The Service is available only to:

Natural persons who are at least 18 years of age; and
Legal entities represented by authorised persons. By creating an account, you confirm that you meet these eligibility requirements. If you are acting on behalf of a legal entity (such as a GmbH, AG, or other company), you confirm that you have the authority to bind that entity to these GTC.

1.4 Amendments

KontoMatch reserves the right to amend these GTC at any time. The current version of the GTC is always available at https://kontomatch.com/legal/GTC. It is the User’s responsibility to review the GTC periodically. Continued use of the Service after any changes constitutes acceptance of the amended GTC. If you do not agree to the changes, you may terminate your account at any time.

1.5 Governing Law and Jurisdiction

These GTC are governed by Swiss law, excluding the conflict of law provisions and the United Nations Convention on Contracts for the International Sale of Goods (CISG). The exclusive place of jurisdiction is Zurich, Switzerland. Mandatory consumer protection provisions of the User’s country of residence remain unaffected.

1.6 Language

These GTC are available in German and English. In the event of any discrepancy between the German and English versions, the English version shall prevail.

2. Description of the Service

2.1 Core Functionality

KontoMatch is a web-based tool that enables Users to:

Upload financial documents including invoices, receipts, bills, credit notes, bank statements, and other expense or revenue documents (“Documents”);
Use AI-powered analysis to automatically match Documents to corresponding bank transaction data (“Matching”);
Review, adjust, and approve Matching results;
Export matched and categorised data in various formats for further processing.

2.2 Definitions

A “Document” is any file uploaded to the Service for processing, including but not limited to invoices, receipts, bank statements, credit notes, and other financial documents. KontoMatch reserves the right to modify how Documents are counted (for example, by file, by page, or by data volume) with reasonable notice published on the Website.
A “Matching Run” is the process of having KontoMatch’s AI analyse and match uploaded Documents. Users may perform unlimited Matching Runs within their plan. The primary usage limit is the total number of Documents per billing period.
Document counts reset on the first day of each calendar month (UTC).
Unused Document allowances do not roll over to subsequent billing periods.

2.3 Nature of the Service

KontoMatch is a document-matching and pre-accounting preparation tool. KontoMatch is expressly NOT:

Accounting software (Buchhaltungssoftware);
A tax advisory service (Steuerberatung);
An auditing or assurance service (Wirtschaftsprüfung);
A financial advisory service (Finanzberatung);
A certified archiving system (revisionssicheres Archiv) under GoBD or Swiss law. The Service prepares data for further processing by qualified professionals (such as Steuerberater, Treuhänder, or tax advisors) or for the User’s own records.

2.4 No Guarantee of Accuracy

The AI-powered Matching is probabilistic in nature. KontoMatch may:

Produce incorrect matches;
Miss matches;
Misclassify documents;
Incorrectly extract data from Documents. The User is solely responsible for reviewing and verifying all Matching results before exporting or relying on them. KontoMatch does not guarantee the accuracy, completeness, or correctness of any result.

2.5 No Tax or Legal Advice

Nothing provided by KontoMatch constitutes tax advice, legal advice, or financial advice. Users should consult qualified professionals for matters relating to tax compliance, financial reporting, or legal obligations.

3. User Obligations

3.1 Account Registration

Users must provide accurate and complete information during registration. Each account is personal and non-transferable. Users are responsible for maintaining the confidentiality of their login credentials and for all activity that occurs under their account.

3.2 Lawful Use

Users must only upload Documents that they are legally authorised to process. Users warrant that they have obtained all necessary consents or authorisations to upload and process documents that contain personal data of third parties.

3.3 Third-Party Personal Data

Users acknowledge that uploaded Documents may contain personal data of third parties. The User, as data controller, is responsible for:

Ensuring a lawful basis exists for processing such third-party personal data;
Informing affected third parties about the processing where required by applicable law;
Responding to any data subject requests from affected third parties.

3.4 Content Responsibility

Users are solely responsible for the content, accuracy, and legality of all Documents and data they upload to the Service. KontoMatch does not verify the authenticity, accuracy, or legality of uploaded Documents.

3.5 Review Obligation

Users must review all AI-generated Matching results and categorisations before exporting or relying on them. KontoMatch provides automated suggestions; the User makes the final decision. By exporting data from KontoMatch, the User confirms they have reviewed and accepted the results.

3.6 Prohibited Uses

Users must not:

Use the Service for any unlawful purpose, including money laundering, tax evasion, or fraud;
Upload malicious files, viruses, or content designed to disrupt the Service;
Attempt to reverse-engineer, decompile, disassemble, or extract the underlying algorithms, source code, or models of the Service;
Share account credentials with unauthorised persons;
Use the Service to process data in violation of applicable data protection laws;
Use the Service in automated or bulk processing modes not intended by the standard user interface, unless expressly authorised by KontoMatch;
Resell, sublicence, or commercially redistribute the Service or its outputs without written consent from KontoMatch.

3.7 Indemnification

The User agrees to indemnify, defend, and hold harmless KontoMatch, Gordian Analytics SA, and its directors, employees, and affiliates from and against any and all claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from or related to:

the User’s uploaded content;
the User’s use of the Service;
the User’s violation of these GTC;
the User’s violation of any applicable law; or
the User’s infringement of any third-party rights.

4. Data Processing and Privacy

4.1 Data Controller and Processor

Under the Swiss Federal Act on Data Protection (FADP/nDSG) and, where applicable, the EU General Data Protection Regulation (GDPR):

The User is the data controller for all personal data contained within uploaded Documents.
KontoMatch acts as a data processor on behalf of the User.

4.2 Types of Data Processed

The Service processes the following categories of data:

Account Data: Name, email address, company name (if applicable), billing address, and payment information provided during registration.
Uploaded Content: Documents uploaded by the User, which may contain personal data.
Processed Data: Data extracted from uploaded content by AI processing, including OCR results, categorisation labels, and Matching results.
Usage Data: Technical data relating to the User’s interaction with the Service.

By using the Service, the User consents to the processing of uploaded content by third-party AI services as described in this Section 4. Users who do not consent cannot use the Service.

4.4 AI Processing and Data Transmission

KontoMatch uses third-party AI services, including Google Gemini (Google LLC), to process uploaded Documents. This processing includes text extraction (OCR), document analysis, and matching.

Document content is transmitted to the AI provider’s infrastructure for processing. This may include any data present on the uploaded documents.
AI processing infrastructure may be located outside of Switzerland and the EEA.
Data transfers are governed by appropriate safeguards under applicable data protection law.
KontoMatch does not authorise AI providers to use User data for model training or purposes other than providing the Service.

4.5 Data Retention

Free plan: Documents and associated data are retained for up to 3 months from the date of upload.
Pay As You Go: Documents and associated data are retained for up to 6 months from the date of upload.
Starter and Pro plans: Documents and associated data are retained for up to 10 years, subject to the User maintaining an active subscription with a valid payment method. If the subscription lapses or payment fails, retention reverts to the free tier retention period after a 30-day grace period.
Account Data: Retained for the duration of the account plus any period required by applicable law.
Usage Data: Retained for a maximum of 24 months.
Payment Data: Payment card details are not stored by KontoMatch. Payment processing is handled by Stripe.
KontoMatch reserves the right to modify retention periods with reasonable notice. Users are responsible for maintaining their own backups of uploaded Documents.

4.6 Data Location and Hosting

User data is stored on servers located in Germany and Finland (European Union), operated by Hetzner Online GmbH.
During AI processing, document content may be temporarily transmitted to infrastructure outside the EEA. See Section 4.4.

4.7 User Rights

Under the FADP/nDSG and, where applicable, the GDPR, Users have the following rights:

Right of access: Request information about your processed personal data.
Right to rectification: Request correction of inaccurate personal data.
Right to deletion: Request deletion of your personal data, subject to legal retention requirements.
Right to data portability: Request export of your data in CSV or XLSX format.
Right to withdraw consent: Withdraw consent to AI processing at any time. This will result in the inability to use the Service.
Right to lodge a complaint: Lodge a complaint with the Swiss FDPIC or, for EU Users, with the competent supervisory authority. To exercise any of these rights, contact: [email protected]

4.8 Data Security

KontoMatch implements appropriate technical and organisational measures to protect User data. KontoMatch cannot guarantee absolute security. No method of electronic storage or transmission is completely secure.

4.9 Data Breach Notification

In the event of a personal data breach likely to result in a high risk to the rights of affected individuals, KontoMatch will notify the relevant supervisory authority and affected Users in accordance with applicable data protection law.

4.10 Sub-Processors

KontoMatch uses third-party sub-processors to provide the Service. An up-to-date list of sub-processors is maintained at https://kontomatch.com/legal/sub-processors.

4.11 Data Processing Agreement (DPA)

Business Users who require a formal Data Processing Agreement (Auftragsverarbeitungsvertrag / AVV) in accordance with GDPR Art. 28 or nDSG Art. 9 may request one at: [email protected]

4.12 Audit Rights

Users acting as data controllers may verify KontoMatch’s compliance with data protection obligations by submitting written requests to [email protected]. KontoMatch will cooperate with reasonable requests within a reasonable timeframe.

5. Pricing and Payment

5.1 Pricing Plans

KontoMatch offers the following pricing plans. All plans include unlimited Matching Runs. The primary limit is the number of Documents per billing period. Current pricing is always published at https://kontomatch.com.

(a) Free

EUR 0 — no time limit.
Up to 20 Documents.
3 months data retention.
Includes: AI matching and categorisation, XLSX and DATEV export, duplicate document flagging.

(b) Pay As You Go

Starting from EUR 3.
Starting from 50 Documents.
6 months data retention earned at payment.
Includes: AI matching and categorisation, XLSX and DATEV export, duplicate document flagging, full audit trail.

EUR 5 per month.
Up to 200 Documents per month.
10 years data retention during active subscription with a valid payment method.
Includes: AI matching and categorisation, XLSX and DATEV export, duplicate document flagging, full audit trail, priority processing.

(d) Pro (monthly subscription)

EUR 12 per month.
Up to 200 Documents per month.
10 years data retention during active subscription with a valid payment method.
Includes: AI matching and categorisation, XLSX and DATEV export, duplicate document flagging, full audit trail, priority processing, early access to new features.

KontoMatch reserves the right to introduce, modify, or discontinue pricing plans. The applicable terms at the time of purchase or renewal govern the User’s billing period.

5.2 Document Counting and Usage

(a) Document counts and usage limits are as defined in the User’s active pricing plan. (b) Document counts reset on the first day of each calendar month (UTC) for subscription plans. (c) Unused Document allowances do not roll over to subsequent billing periods. (d) KontoMatch reserves the right to modify how Documents are counted and what constitutes a Document with reasonable notice. (e) Documents that fail to process due to a Service error are not counted against the User’s limit.

5.3 Exceeding Document Limits

If a User reaches the Document limit of their plan:

Free Users: Must purchase credit or subscribe to a paid plan.
Pay-as-you-go Users: May purchase an additional Matching Run.
Starter Users: May purchase additional Documents at the Pay-as-you-go rate, or upgrade to Pro.
Pro Users: May contact [email protected] for custom arrangements.

5.4 Currency and Taxes

All prices are stated in EUR and are exclusive of any applicable value-added tax (MwSt/VAT).
For business Users in the European Union with a valid VAT identification number, the reverse charge mechanism applies.
Users are responsible for determining and paying any applicable taxes in their jurisdiction.

5.5 Price Changes

KontoMatch may change prices. The current prices are always published at https://kontomatch.com. For monthly subscribers, any price increase applies at the start of the next billing cycle. Users may cancel their subscription at any time.

5.6 Payment Terms

Pay-as-you-go: Charged after each Matching Run is processed.
Monthly subscriptions: Billed in advance at the start of each billing cycle.
Accepted payment methods are displayed during checkout.
Late payments may result in suspension of the account.

5.7 Refunds

All sales are final. Refunds are not provided except where required by applicable consumer protection law. Requests may be submitted to [email protected].

5.8 Free Tier

KontoMatch reserves the right to modify the limitations of the free tier at any time.

6. Intellectual Property

6.1 KontoMatch IP

All intellectual property rights in the Service belong to KontoMatch or its licensors. Users receive a non-exclusive, non-transferable, revocable licence to use the Service for its intended purpose.

6.2 User Data

Users retain all rights to their uploaded Documents and data. By uploading content, Users grant KontoMatch a limited licence to process it solely for the purpose of providing the Service.

6.3 No Training on User Data

KontoMatch does not use uploaded User Documents to train its own AI models or algorithms.

6.4 Feedback

If a User voluntarily provides feedback or suggestions, KontoMatch may use such feedback for any purpose without obligation or compensation.

7. Liability and Warranty

7.1 No Warranty

The Service is provided “as is” and “as available.” KontoMatch makes no warranties, express or implied, regarding the accuracy, reliability, completeness, or fitness for a particular purpose of the Service or its results.

7.2 Limitation of Liability

To the maximum extent permitted by Swiss law:

KontoMatch shall not be liable for any indirect, incidental, special, consequential, or punitive damages.
KontoMatch shall not be liable for any loss or damage arising from: reliance on AI-generated Matching results that were not verified by the User; incorrect tax filings, financial reports, or submissions based on KontoMatch output; documents or data uploaded in error by the User; actions taken by third parties based on KontoMatch exports.
KontoMatch’s total aggregate liability shall not exceed the total amount paid by the User to KontoMatch in the 3 months preceding the claim, or CHF 100, whichever is greater.

7.3 Mandatory Liability

Nothing in these GTC excludes or limits liability for:

Intentional misconduct (Vorsatz) or gross negligence (grobe Fahrlässigkeit);
Personal injury or death caused by negligence;
Fraud or fraudulent misrepresentation;
Any other liability that cannot be excluded under Swiss mandatory law.

7.4 Force Majeure

KontoMatch shall not be liable for failure or delay resulting from circumstances beyond its reasonable control.

7.5 Third-Party Service Dependency

KontoMatch relies on third-party services for core functionality. KontoMatch is not liable for disruption, data loss, or inaccuracy caused by third-party service failures or changes.

7.6 Statute of Limitations

Any claim arising out of or relating to these GTC or the Service must be brought within six (6) months after the cause of action arises.

7.7 No Class Actions

Any dispute arising out of or relating to these GTC must be brought individually.

8. Termination

8.1 Termination by User

Users may terminate their account at any time through account settings or by contacting [email protected].

8.2 Data Export

Upon termination, Users may export their data during a reasonable period following termination, as determined by KontoMatch.

8.3 Termination by KontoMatch

KontoMatch may terminate or suspend an account if:

The User breaches these GTC;
The User uses the Service for unlawful purposes;
Required by law or court order.