Terms of Service

1. Definitions

1.1 "VIKEEP", "we", "us" — VIKEEP AS, the operator of the Service.

1.2 "Service" / "VISIKT" — the VISIKT web application at visikt.com and related functionality.

1.3 "Consumer" — a user acting for purposes outside their trade, business, craft, or profession.

1.4 "Your Content" — the data you enter, including subscriptions, salary figures, and notes.

1.5 "CPI Data" — official consumer price index and related statistical data used by the Service to calculate inflation-adjusted values.

1.6 "Privacy Policy" — our privacy policy available in the Service, which forms part of these Terms.

2. Acceptance and scope

2.1 By creating an account or using the Service you agree to these Terms and the Privacy Policy. If you do not agree, do not use the Service.

2.2 These Terms, the Privacy Policy, and the pricing and plan details shown at purchase form the entire agreement between you and us for the Service.

2.3 If you are a Consumer, nothing in these Terms limits rights you have under mandatory Norwegian or EEA consumer law; where a term conflicts with such rights, those rights prevail.

2.4 If you visit the public pages of the Service (for example the marketing website) without creating an account, clauses 7 (Intellectual property) and 12 (Availability and disclaimers) apply to that visit as they would to a User. Simply visiting these public pages does not otherwise create a contractual relationship between you and us.

3. What VISIKT is — and is not

3.1 VISIKT helps you record your subscriptions and salary and shows calculations and visualizations, including inflation-adjusted ("real") purchasing power derived from CPI Data.

3.2 The Service is an informational and organizational tool only. It does not provide financial, investment, tax, accounting, pension, debt, or legal advice, and no output is a personal recommendation. All figures are produced by deterministic calculation from the data you enter and from third-party CPI Data; they may be estimates, rounded, provisional, or simplified, and CPI figures may be revised by their source after publication.

3.3 Outputs are general information, not automated decisions producing legal or similarly significant effects about you, and must not be relied upon as the basis for any financial decision.

3.4 You are solely responsible for verifying figures and for your own decisions. VIKEEP is not a bank, payment institution, accountant, or financial adviser, and does not hold, move, or manage your money. Where a decision matters to you, obtain independent professional advice.

4. Eligibility, accounts and security

4.1 You must be at least 18 years old and able to enter a binding contract. The Service is for personal, non-commercial use, with one account per person unless we agree otherwise.

4.2 You must provide accurate registration information and keep it current.

4.3 You are responsible for safeguarding your credentials and for activity under your account, and must notify us promptly at contact@vikeep.no of any suspected unauthorised use.

4.4 You may sign in with email and password or with a third-party provider (Google or Apple); your use of those providers is also subject to their terms.

5. Your Content

5.1 As between you and us, you own Your Content. You grant us a limited licence to host, process, and display it solely to operate and provide the Service to you, as described in the Privacy Policy.

5.2 You are responsible for the accuracy of Your Content; the Service's outputs are only as accurate as your inputs and the available CPI Data. Do not enter special-category personal data (for example health, political, or religious information) into free-text fields.

5.3 You can export Your Content (CSV) and delete your account within the Service. On deletion we delete or anonymise Your Content without undue delay, except records we must retain by law (see clause 14 and the Privacy Policy).

6. Acceptable use

6.1 You agree not to: use the Service unlawfully or in breach of these Terms; access or attempt to access other accounts or our systems without authorisation; disrupt the Service; extract or scrape data other than Your Content via features we provide; reverse-engineer the Service except to the extent this restriction is prohibited by law; resell or commercially exploit the Service without our permission; or upload unlawful content or content you have no right to provide.

7. Intellectual property

7.1 The Service, including its software, design, text, and branding (VISIKT and VIKEEP marks), excluding Your Content, is owned by VIKEEP or its licensors. We grant you a limited, non-exclusive, non-transferable, revocable right to use the Service for personal, non-commercial use under these Terms.

7.2 CPI Data and other third-party data are used under the rights of their respective sources and remain their property.

8. Plans, pricing and payment

8.1 Free Plan. Provided as-is and free of charge, with feature limits — currently up to three subscriptions and three years of salary history, and inflation comparison limited to the current year. If you exceed a limit and later move to the Free Plan, existing entries are preserved but not visible or editable until you upgrade again.

8.2 Pro Plan. Unlocks unlimited entries, full salary history, and full inflation comparison, billed on a recurring basis monthly or yearly in Norwegian kroner (NOK) at the price shown at purchase. Prices are stated inclusive of Norwegian VAT (MVA) where applicable.

8.3 Payments are processed by Stripe; we do not receive or store your full card details. By subscribing you authorise us (via Stripe) to charge your chosen payment method for each billing period. If a payment fails we may retry it and may suspend or downgrade Pro access until payment succeeds.

9. Renewal, price changes and cancellation

9.1 Automatic renewal. Your Pro Plan renews automatically at the end of each billing period at the then-current price until you cancel. The price and billing interval are shown at purchase and before each renewal.

9.2 Price changes. We may change Pro prices with advance notice by email or in the Service; the new price applies from your next renewal, and you may cancel before it takes effect.

9.3 Cancellation / downgrade. You may cancel or downgrade at any time within the Service. Cancellation stops future renewals; your Pro access continues until the end of the period you have already paid for, after which your account becomes Free. Except as required by law or clause 10, amounts already paid for the current period are not refunded on a mid-period cancellation.

10. Consumer right of withdrawal (angrerett)

10.1 As a Consumer purchasing a digital service at a distance, you have a statutory right to withdraw within 14 days of concluding the agreement under the Norwegian Right of Withdrawal Act (angrerettloven).

10.2 Express request for immediate performance. Before any charge for a paid Plan, you will be asked to (a) expressly request that we begin providing the paid Service immediately, and (b) confirm that you understand you will lose your right of withdrawal once the Service has been fully delivered, and that if you withdraw after performance has begun you may owe an amount proportionate to what has already been supplied. We record this request and confirmation.

10.3 Where you have given that request and confirmation and delivery has begun, your right of withdrawal is lost or proportionally reduced as provided by law. Where you have not, you may withdraw within 14 days by contacting contact@vikeep.no (you may use the standard withdrawal form), and we will reimburse you as required by law without undue delay.

10.4 We confirm the concluded contract — including the request and confirmation above, the price, the billing interval, and renewal terms — on a durable medium (for example by email or as a downloadable confirmation) after purchase.

10.5 These statutory rights apply regardless of anything else in these Terms.

11. Third-party services and provider catalogue

11.1 The Service includes a catalogue of common subscription providers and may link to third-party pages, including cancellation instructions. VIKEEP is not affiliated with, endorsed by, or sponsored by those providers; third-party names and trademarks belong to their owners and are used for identification only.

11.2 We do not control third-party services and are not responsible for their content, accuracy, or availability. VISIKT does not cancel, manage, or pay for your third-party subscriptions — you must cancel directly with the provider. Links and instructions are provided for convenience and may become outdated.

11.3 Sign-in and payment providers (Google, Apple, Stripe) operate under their own terms and privacy policies.

12. Availability and disclaimers

12.1 To the extent permitted by law, and without limiting your mandatory consumer rights, the Service is provided "as is" and "as available." We do not warrant that it will be uninterrupted or error-free, or that any calculation or third-party figure is accurate, complete, current, or fit for your particular circumstances.

12.2 We may modify, suspend, or discontinue features or the Service; where we discontinue a paid feature you are actively paying for, we will act fairly and consistently with your consumer rights. Some features may be offered as beta or preview and may change or be withdrawn.

12.3 We are not liable for failure or delay caused by events beyond our reasonable control (such as outages of infrastructure or third-party providers, network failures, or acts of authorities). This does not affect your right to cancel or your statutory consumer rights.

13. Liability

13.1 Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited under Norwegian law, including liability caused by our intent or gross negligence, and nothing affects your mandatory rights as a Consumer.

13.2 Subject to 13.1, we are not liable for: (a) any financial loss, cost, or decision arising from your reliance on the Service's informational outputs; (b) indirect or consequential loss, including loss of profits, savings, goodwill, or data; or (c) loss arising from third-party services, from Your Content entered incorrectly, or from your failure to cancel a third-party subscription.

13.3 Subject to 13.1, and to the extent permitted by law, our total aggregate liability arising out of or in connection with the Service in any rolling 12-month period is limited to the greater of (a) the total fees you paid us for the Service in that period, or (b) NOK 2,000. Your mandatory statutory remedies as a Consumer are unaffected by this cap.

13.4 If any part of this clause is held unenforceable, it is reduced to the minimum extent necessary to make it enforceable, and the remainder continues to apply.

14. Suspension, termination and data retention

14.1 You may stop using the Service and delete your account at any time.

14.2 We may suspend or terminate your access if you materially breach these Terms, where required by law, or to protect the Service or other users; where reasonable and lawful we will give notice.

14.3 On termination your right to use the Service ends. We retain and delete data as described in the Privacy Policy; certain records (for example accounting and payment records) are retained for the period required by Norwegian law (generally five years under the Bookkeeping Act) and cannot be deleted earlier on request.

15. Changes to these Terms

15.1 We may update these Terms. For material changes we will give reasonable notice by email or in the Service before they take effect. If you continue to use the Service after the changes take effect you accept the updated Terms; if you do not accept them you should stop using the Service and may cancel.

16. Governing law, disputes and general

16.1 These Terms are governed by Norwegian law, with the ordinary Norwegian courts and Oslo District Court as legal venue. If you are a Consumer, you keep any mandatory protections and court options of your EEA country of residence.

16.2 Please contact us first at contact@vikeep.no to resolve any dispute. As a Consumer you may also refer a dispute to the Norwegian Consumer Authority (Forbrukertilsynet), the Consumer Council of Norway (Forbrukerrådet), and, where applicable, the Consumer Disputes Committee (Forbrukerklageutvalget). If you are a Consumer resident elsewhere in the EEA, you may also use the out-of-court dispute resolution bodies available in your country of residence.

16.3 Notices may be given by email to your account address or in the Service. Assignment: you may not assign these Terms; we may assign them to an affiliate or in connection with a merger, reorganisation, or sale of assets, provided your rights are not diminished. Severability: if any provision is invalid, the remainder continues in effect. Survival: clauses that by their nature should survive termination (including 3, 5, 7, 12, 13, 14.3, and 16) continue to apply. These Terms and the Privacy Policy are the entire agreement for the Service.

17. Contact

VIKEEP AS · org.nr 938 008 272 · Oslo, Norway · contact@vikeep.no