Legal
Terms
Last updated: 13 September 2026
These terms apply to the use of the HARMONEE website and to information and communications made available through this website. By using this website, you agree to these terms.
1. About HARMONEE
HARMONEE is developing a technology platform for business financial services and payments between the Netherlands and Suriname.
HARMONEE is a technology platform, not a bank. Banking services and banking products mentioned on this website are provided through our banking partners. HARMONEE, Dutch Chamber of Commerce no. 85822531, is part of PAYSTATE.
Where banking services or banking products are made available through HARMONEE, additional terms of the relevant banking partner or other financial service provider may apply.
2. Current status of HARMONEE
HARMONEE and the services described on this website are currently in development.
Information about products, features, accounts, payments, transactions, currencies, costs, exchange rates, processing times and other characteristics is therefore indicative and may change.
Product images and interfaces shown on this website may be examples or representations of features that are still in development.
The display or description of a product or feature does not mean that it is already generally available, that an account can be opened, or that HARMONEE can currently execute a payment or other financial transaction.
3. No financial advice
The information on this website is provided solely as general information about HARMONEE and the services HARMONEE is developing.
The information does not constitute financial, legal, tax, investment or other professional advice and should not be treated as such.
No rights may be derived from information, examples, rates, exchange rates, calculations or other data on this website.
4. Business use and contact
The HARMONEE website is primarily intended for businesses and organisations.
If you provide information or contact HARMONEE on behalf of an organisation, you are deemed to be authorised to act on behalf of that organisation.
You are responsible for the accuracy and completeness of the information you provide to HARMONEE.
A request, contact enquiry, introductory meeting or other communication with HARMONEE does not automatically create a business relationship or guarantee access to future products or services.
5. Use of the website
You may not use the website for unlawful or fraudulent purposes or in any way that could harm HARMONEE, other users or third parties.
You may not, among other things, bypass security measures without permission, access systems or data for which you are not authorised, distribute harmful software, or disrupt the normal operation of the website.
HARMONEE may restrict access to the website where necessary for security, maintenance or the prevention of misuse.
6. Intellectual property
The HARMONEE name, brand, website design, texts, product interfaces, images, illustrations, software and other content on this website are protected by intellectual property rights belonging to HARMONEE, PAYSTATE and/or their licensors.
Without prior written permission, this content may not be copied, modified, distributed or used commercially, except where permitted by law.
7. Privacy and third-party services
HARMONEE processes personal data in accordance with the Privacy Notice available on this website.
The website may contain references to third-party websites, services or systems. Those external services may be subject to their own terms and privacy notices. HARMONEE is not responsible for the content or availability of third-party websites.
Future banking services and banking products may also be subject to separate terms, acceptance criteria, checks and privacy rules of our banking partners or other financial service providers.
8. Availability and changes
HARMONEE aims to keep the information on this website careful, understandable and up to date.
Because HARMONEE and its services are in development, the website, described features, product characteristics and these terms may be changed from time to time.
HARMONEE does not guarantee that the website will always be available without interruption, errors or technical failures.
The most recent version of these terms will be published on this website.
9. Liability
HARMONEE makes reasonable efforts to provide accurate information, but cannot guarantee that all information on the website is complete, current or error-free at all times.
To the extent permitted by law, HARMONEE is not liable for indirect loss arising solely from the use of, or reliance on, general or indicative information on this website.
Nothing in these terms limits liability where such limitation is not permitted under applicable law.
10. Governing law and disputes
These terms and the use of the HARMONEE website are governed by Dutch law.
Disputes arising out of or relating to these terms or the use of the website will be submitted to the competent court in the Netherlands.
If you have questions about these terms or about HARMONEE, please contact us using the contact options available on this website.
HARMONEE
Part of PAYSTATE
Dutch Chamber of Commerce no. 85822531