Last updated 30 September 2026

Terms

These terms are the agreement between you and Freetime when your household uses Freetime at freetime.no.

The service

Freetime is a planning tool for a household's money. It brings the household's bank accounts into one budget, sorts the payments, and works out a plan and the date the income covers the household's life. For now it opens by invitation.

Your household and your login

• The person who signs up is the household's owner, and must be 18 or older. The owner can give others in the household their own login, and take it away again.
• Everyone with a login sees the whole household: its accounts, payments and plan. Give a login only to those who should see all of it.
• Logging in takes your password and a code from an authenticator app (two-step login). Keep both to yourself, and tell us if you think someone else has got in.

Bank access

Connecting a bank gives Freetime read-only access, through Enable Banking (a licensed provider in Finland), to the accounts you approve with BankID. Nothing can be paid or changed at your bank. Connect only accounts you have the right to, each person with their own BankID. You can end the access at any time on the Bank page or at your bank; it also ends by itself after at most 180 days.

What the numbers are

The plan, the freedom date and the scenarios are calculations from your bank's data, the figures you enter and the assumptions you set. They are estimates for your own planning, not financial advice, and they are only as right as the data behind them. Check anything important with a qualified adviser. Suggestions, such as where a payment belongs, are only suggestions: you decide.

Price and payment

• Receipts, offers and the shopping list are free. The bank connection, with the budget, the plan and the date, is a subscription: one for the whole household, however many are in it.
• The price, and how to pay, are shown before you subscribe. Until paid subscriptions open, everything is free.
• A subscription runs a month at a time, and you can end it whenever you like, to the end of the month paid for.
• You have 14 days to change your mind after subscribing (angrerettloven). If you asked for the service to start at once, you pay only for the days used.
• A new price is told at least 30 days before it applies, and you can end the subscription before then.

Using it fairly

• Use Freetime for your own household. Don't try to reach anyone else's data, or get round its security.
• The agent key is for your own household's agent: keep it secret, like a password.
• Found a security flaw? Tell us, and don't use it. Testing Freetime's security needs our agreement first.

Changes and availability

We keep Freetime running as well as we can, but it may be down now and then, for maintenance or an error. We improve it all the time. If we change these terms in a way that matters to you, we tell you at least 30 days before, and you can end the agreement before they apply.

Ending

• You can end at any time: Account → Delete this household deletes everything at once. Its key goes with it, so no backup can be read either; the backups themselves are gone within 3 days. Download your data first if you want to keep it.
• We can end the agreement if the terms are broken seriously, or after a warning if they are broken again. If we ever close Freetime, we tell you at least 60 days before, so you have time to download everything.

Responsibility

Freetime is responsible for providing the service as these terms describe. We are not responsible for decisions you make from its estimates, for errors in the data your bank sends, or for indirect losses. Nothing here limits your rights as a consumer under Norwegian law.

Privacy

What Freetime holds, who else sees any of it, and your rights are on the privacy page.

Disagreements

Norwegian law applies. If something is wrong, write to us first, and we'll try to put it right. If we can't agree, you can ask Forbrukerrådet for help with mediation, and take the case to Forbrukerklageutvalget or the courts where you live.

Contact

Write to personvern@freetime.no.