Terms and Conditions

Last updated: April 5, 2026

Versiunea în limba română

1. General Information

These Terms and Conditions ("Terms") govern the access and use of the Contera platform ("Platform", "Service"), operated by S.C. NORTEC BLANC S.R.L., headquartered in Romania, registered at the Trade Register under no. J03/2526/2019, Tax ID (CUI) RO41773828 ("Contera", "we", "us").

By creating an account or using the Platform, you confirm that you have read, understood and agree to these Terms. If you do not agree with any of the provisions, please do not use the Platform.

2. Service Description

Contera is a SaaS (Software as a Service) platform offering:

  • AI chatbot for querying financial and accounting data
  • Company verification from the ANAF (Romanian Tax Authority) database
  • Business partner risk scoring
  • Integration with the ANAF e-Invoice (e-Factura) system
  • Auto-generated financial dashboards and reports
  • Data import from SAGA, Ciel, WinMentor, SmartBill and Oblio
  • Bank account connection via Open Banking (PSD2) for real-time balance and transaction viewing
  • AI assistant (Max) accessible via WhatsApp for financial queries, notifications and account verification

3. Account Creation

To use the Platform, you must create an account by providing accurate and complete information, including the company Tax ID (CUI). You are responsible for maintaining the confidentiality of your account credentials.

Contera reserves the right to suspend or close accounts that violate these Terms or are used fraudulently.

4. Trial Period and Subscriptions

Contera offers a 14-day free trial. No credit card is required for activation. At the end of the trial period, the account is automatically deactivated if a paid plan is not selected.

Subscription plans are available with monthly or annual billing. Prices are displayed in RON and include VAT where applicable. We reserve the right to modify prices with a 30-day prior notice.

You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period. No refunds are provided for partially used periods.

5. User Rights and Obligations

The user agrees to:

  • Use the Platform in compliance with applicable Romanian legislation
  • Provide accurate and complete data
  • Not attempt unauthorized access to Contera systems
  • Not share account credentials with unauthorized third parties
  • Not use the Platform for illegal or fraudulent activities

6. Open Banking (PSD2)

Contera offers the ability to connect bank accounts through the Open Banking service, in accordance with the European PSD2 Directive (Payment Services Directive 2). Bank data access is provided through Enable Banking OÜ, a licensed Account Information Service Provider (AISP).

By connecting a bank account, the user grants explicit consent for accessing the following account information:

  • Current bank account balances
  • Transaction history (credits and debits)
  • Account identification details (IBAN, account name, currency)

Important: Contera does not have access to the user's banking credentials (username, password, PIN). Authentication is performed directly on the bank's platform, and Contera cannot initiate payments or transfer funds from connected accounts.

Consent for accessing bank data is valid for a maximum period of 90 days, in accordance with PSD2 regulations, after which re-authorization is required. The user may revoke consent at any time by disconnecting the bank from the Platform.

Bank data is used exclusively to display balances and transactions within the Platform and is not shared with third parties, except for the technical provider Enable Banking OÜ, which is required to establish the connection.

7. WhatsApp Communication

Contera offers communication with our AI assistant (Max) via the WhatsApp Business Platform, operated by Meta Platforms, Inc. By connecting your WhatsApp number to your Contera account, you agree that:

  • You will receive verification codes, financial notifications and AI assistant responses via WhatsApp
  • Your WhatsApp interactions are also subject to WhatsApp's Terms of Service
  • You may opt out at any time by sending "STOP" or disconnecting WhatsApp from your account settings

Important: Max provides informational responses only and does not constitute tax, legal or accounting advice. Contera does not request sensitive data (passwords, PINs, bank credentials) via WhatsApp. Never share such information in a WhatsApp conversation.

8. Intellectual Property

The Contera Platform, including source code, design, logos, texts and AI algorithms, are the exclusive property of S.C. NORTEC BLANC S.R.L. and are protected by copyright and intellectual property legislation. The user receives a limited, non-exclusive and non-transferable license to use the Platform during the subscription period.

9. User Data

Financial and accounting data uploaded by the user remain the exclusive property of the user. Contera processes this data exclusively for the purpose of providing the Service, in accordance with the Privacy Policy and GDPR.

Upon account closure, user data is retained for 30 days, after which it is permanently deleted. The user may request data export at any time.

10. Limitation of Liability

Contera provides the Platform "as is". We do not guarantee that the Service will be uninterrupted, error-free or completely secure, although we make every effort to ensure this.

Contera does not replace professional accounting services. AI-generated responses are informational and do not constitute tax, legal or accounting advice. The user remains responsible for decisions made based on information from the Platform.

Contera's maximum liability is limited to the value of subscriptions paid by the user in the last 12 months.

11. Service Availability (SLA)

Contera commits to a minimum Platform availability of 99.5% on a monthly basis, excluding scheduled maintenance periods. Scheduled maintenance will be communicated at least 48 hours in advance.

12. Modification of Terms

We reserve the right to modify these Terms. Any significant changes will be communicated via email and/or in-Platform notification at least 30 days before taking effect. Continued use of the Platform after this period constitutes acceptance of the new Terms.

13. Governing Law and Jurisdiction

These Terms are governed by the laws of Romania. Any dispute shall be resolved amicably. Otherwise, jurisdiction falls to the courts of Bucharest, Romania.

For alternative dispute resolution, consumers may access the European Online Dispute Resolution (ODR) platform at https://ec.europa.eu/consumers/odr.

14. Contact

For any questions regarding these Terms, please contact us at: contact@contera.ro