Terms of Service
Last updated 22 August 2026.
The short version: Scrivenza Insights is a free tool that reads your bank statement and shows you your own spending back in a more useful shape. It's guidance, not financial advice, and it's generated automatically so it can get things wrong — always check anything important against your actual bank records. Use it for your own statements only, and treat it kindly and it'll keep working for you.
Who we are
These terms are between you and Scrivenza Ltd (company number 17375328, registered in England and Wales), who operate this website, the Scrivenza Insights feature, and the case review service available to Trial and Portal (paying broker/AR) accounts. By using any of these, you're agreeing to these terms. If you don't agree with them, please don't use the service.
What Scrivenza Insights is
Insights is a free feature that reads a UK bank statement PDF you upload, extracts the transactions, and uses AI to categorise your spending, detect recurring subscriptions, and produce a plain-language summary. It's built to help you understand your own spending — it doesn't manage money on your behalf, move money, or connect to your bank account directly. You upload a statement; we show you what's in it.
The case review service
Case review is available to registered Trial and Portal (paying broker/AR) accounts, and via the API for paying customers. It reviews the bank statement(s) you upload against a documented set of compliance rules and returns a structured report — income, commitments, affordability, document integrity, and other flags a case handler would check for.
Case review output is generated automatically using AI and is provided to assist your own case review process — it is not a substitute for your own professional judgement, and does not itself constitute regulated advice, arranging, or a recommendation on any mortgage or protection case. You remain responsible for your own compliance obligations and for verifying anything the report flags, or doesn't flag, before relying on it.
Each finding is checked against a specific written rule, and the report can show you that rule's exact wording alongside the finding, so the basis for a finding is traceable rather than an unexplained judgement. This doesn't guarantee the finding itself is correct — the output is still AI-generated and can be wrong, the same as any part of the service.
Fair use of case review
Where we advertise unlimited case reviews or no cap on a plan, that means unlimited for genuine mortgage or protection case reviews of real client transactions — the actual work of running your business, not a fixed number of uploads we're quietly rationing. It doesn't cover automated or scripted use, load-testing, scraping, reselling or sharing access outside your own firm, or running the service for anything other than genuine broker or AR case review.
If we reasonably believe an account is doing any of that, we may throttle, investigate, or suspend it. Where it's practical to do so, we'll try to talk to you first rather than cut you off without warning — this is about protecting the service for everyone using it as intended, not about capping ordinary use.
Not financial advice
Scrivenza Ltd is not authorised or regulated by the Financial Conduct Authority (FCA). Nothing in Insights or the case review service is regulated financial, mortgage, insurance, investment, or debt advice under UK law, and nothing we show you is a recommendation that any product, action, or course of action is suitable for you — we don't recommend, arrange, or advise on any specific financial product. What we show you is guidance based on the data you've provided, not financial, tax, or legal advice, and we're not a debt adviser. Output is generated automatically and can be wrong — in Insights, a merchant name might be miscategorised, a subscription might be missed, or a one-off payment might be mistaken for a recurring one; in case review, a finding might be missed or a flag might be raised that doesn't actually apply. Always check anything important against your own records, and against your own professional judgement, before acting on it. Where your statement suggests you might benefit from free, independent debt help, we'll point you to organisations like MoneyHelper, StepChange, National Debtline, or Citizens Advice — we don't earn anything from those referrals, and they're signposting, not a substitute for speaking to them directly. If you need regulated advice, please speak to an FCA-authorised adviser or broker.
Using the service responsibly
Across all of Scrivenza — Insights, Trial, Portal, and the API — you agree to:
- Only upload bank statements and other documents that are your own, your client's (with their authority), or that you otherwise have clear authority to upload.
- Use Insights for your own personal, non-commercial understanding of your finances.
- Not attempt to disrupt, overload, decompile, reverse-engineer, or otherwise extract the source code, prompts, models, encryption keys, or credentials behind the service, and not attempt to gain unauthorised access to the systems behind it.
- Be 18 or over — Insights is intended for adults managing their own personal finances, not for use by children.
We may block or restrict access for anyone we reasonably believe is misusing the service. Where Insights points you to an external organisation — for example the debt-help signposting described below — we're not responsible for the content of that organisation's own website.
Your data
How we handle your statement and the data we extract from it is covered in full in our Privacy Policy, which forms part of these terms. In short: your PDF is never stored, and what we keep is deleted automatically, usually within 7 days.
The service is provided "as is"
Insights is free, and we provide it on an "as is" and "as available" basis. We don't guarantee it will be uninterrupted, error-free, or available at all times, and we may change, suspend, or withdraw the service, or any part of it, at any time. We'll try to give notice of anything significant, but as a free feature we don't promise to. If we ever discontinue Insights, any comparison data you've opted into keeping will still be deleted on its normal 90-day schedule rather than kept indefinitely.
Liability
To the extent permitted by law, we don't accept liability for losses arising from your use of Insights, including decisions made based on its output. This doesn't affect any liability we can't legally exclude, such as for fraud or for death or personal injury caused by our negligence.
Intellectual property
The Scrivenza name, logo, and the website's design and content belong to Scrivenza Ltd. We don't claim any ownership over your statement data or the results generated from it — we're not in the business of collecting your financial history, we're showing your own data back to you, and it's deleted on the schedule described in our Privacy Policy.
Changes to these terms
If we change these terms, we'll update this page and change the date at the top. Continuing to use Insights after a change means you accept the updated terms.
Governing law
These terms are governed by the law of England and Wales, and any disputes will be dealt with in the courts of England and Wales. If any part of these terms is found unenforceable, the rest continues to apply.
Contact us
Questions about these terms? Get in touch.