Terms of Service

Last updated: 2026-04-13

Note: The Swedish version of these terms is the legally binding version. This English translation is provided for convenience only. In case of any discrepancy, the Swedish version takes precedence.

1. About the service

BoKalk is a housing cost calculator operated by Hieratek AB (org.nr 559580-3429) that helps Swedish homebuyers calculate and compare housing costs. The service is a calculation tool and does not constitute financial advice.

2. Use

You may use BoKalk for personal use. Calculations are based on the information you enter and official data sources. Results are estimates and may differ from the banks' actual assessments and from the actual outcome.

3. Account and subscription

  • The free trial is linked to your account and can be used once
  • The subscription renews automatically unless you cancel it
  • You can cancel the subscription at any time via your App Store/Google Play profile
  • No refund for a started period

4. Partner feature

A paying subscriber can invite one (1) partner to use the service for free. The partner then shares a household profile and joint properties with the primary subscriber. The partner's access is tied to the primary subscriber's active subscription.

5. AI services and availability

BoKalk offers AI-based extraction of property information as part of the service. We reserve the right to limit, temporarily suspend, or disable these AI services at any time — in whole or in part, for individual users or generally — in order to prevent abuse, fraud, overload, or security threats. Such measures do not affect other parts of the app. We endeavor to inform affected users in reasonable time, but may take immediate action if the situation requires it.

You are responsible for ensuring that material you upload to BoKalk — such as screenshots of property listings or prospectuses — does not infringe on third-party rights. BoKalk does not store images; they are processed temporarily in memory and deleted immediately after analysis.

6. Limitation of liability

BoKalk provides calculations based on official data sources and publicly available information. We do not guarantee that the calculations are identical to the banks' assessments or that they correspond to the actual outcome. Always use BoKalk as a complement to — not a replacement for — professional financial advice.

7. Intellectual property

All content, design, and code on bokalk.se and in the app belongs to Hieratek AB and is protected by copyright. You may not copy, distribute, or use the material without permission.

8. Changes to terms

We may update these terms. For material changes, we will notify you via email or in the app at least 30 days before the change takes effect.

9. Governing law

These terms are governed by Swedish law. Disputes shall be resolved by Swedish courts.

10. Contact

For questions about the terms, contact us at [email protected].

11. Reporting illegal content

If you believe that content on BoKalk violates the law or infringes your rights, you can report it to [email protected]. In your report, please state: (1) what content is concerned, (2) why you believe it is illegal or infringing, and (3) your contact details. We process reports without undue delay and will notify you of any action taken.