Terms and privacy policy

By accessing or using the Services you agree to be bound by this Agreement, our Privacy Notice and any product-specific terms shown to you in the app (for example the Autogiro consent).

We may amend this Agreement from time to time. Material changes will be notified to you in the app or by email at least 30 days before they take effect. Your continued use of the Services after that date means you accept the updated terms. The latest version is always available at hiewa.app/terms.

Hiewa is an earned wage access (EWA) service. It lets you access a share of the salary you have already earned in the current pay period, before your normal payday. It is not a loan, a credit product or a line of credit — you are receiving money you have already earned through your work.

The Services are operated by Hiewa AB, a company registered in Sweden. Because the product is structured as access to already-earned salary and not as credit, it falls outside the scope of the Swedish Consumer Credit Act (Konsumentkreditlagen 2010:1846). We do not charge interest and we do not perform a traditional credit check.

To use the Services you must:

• be at least 18 years old;
• be resident in Sweden and hold a valid Swedish personal identity number;
• be able to identify yourself with Swedish BankID;
• have a Swedish bank account in your own name; and
• be employed by an employer that is connected to Hiewa and paid on a regular schedule.

You may only have one account. You must provide accurate information and keep it up to date. You are responsible for keeping your BankID and device secure. All activity performed with your BankID is treated as authorised by you.

You can request a withdrawal of up to 50% of the salary you have already earned in the current pay period, subject to a minimum of 1 000 kr and any lower limit set by your employer. The available amount is calculated from shift data supplied by your employer and updated in the app.

Payouts are sent to your bank account via Swish (instant) or standard bank transfer (1–3 banking days). The fee is shown clearly before you confirm: 45 kr for Swish and 25 kr for standard transfer. There are no interest charges, subscription fees or hidden costs.

The full amount (withdrawal + fee) is collected automatically from your bank account by Direct Debit (Autogiro) on your regular payday. The exact collection date is always shown in the app before you confirm the withdrawal.

To use the Services you must approve a Direct Debit mandate to Hiewa via Bankgirot. The mandate authorises us to collect the amounts you owe from your nominated Swedish bank account. Full terms for the mandate are shown to you during setup and are governed by the general terms for Autogiro Consumers (Bankgirocentralen BGC AB).

You can revoke the mandate at any time by contacting us or your bank. Revoking the mandate does not cancel amounts that are already due; you remain responsible for paying them by another method.

You are responsible for making sure that there are enough funds in your bank account on the collection date to cover the amount due. Your bank — not Hiewa — controls when debits are posted and may charge you overdraft or insufficient-funds fees if your account cannot cover the debit.

If a Direct Debit fails, we will automatically retry within a few banking days and notify you. A statutory reminder fee of up to 60 kr may apply under the Swedish Act on Reminder Fees (Lag 1981:739). As a last resort an unpaid claim may be transferred to a licensed debt collection agency under the Debt Recovery Act (Inkassolagen 1974:182), which can affect your future creditworthiness. Please contact us as soon as possible if you know your salary will be delayed — we would rather find a solution with you.

You agree to use the Services only for your own personal, lawful purposes. You may not use the Services fraudulently or to break the law; provide false information about your employment, identity or bank account; interfere with, damage or overload the Services; try to reverse-engineer, copy or resell any part of them; or access the Services on behalf of another person without a valid legal authorisation.

If we reasonably believe that you have breached this Agreement, we may suspend or close your account, refuse a withdrawal, and take any other action available to us under law.

You can close your account at any time from Profile → Sign out, or by emailing support@hiewa.com. There is no fee to close an account. Closing your account does not cancel any outstanding withdrawal — the pending Direct Debit will still be collected on the agreed date.

We may close or suspend your account if you break this Agreement, if your employer ends their partnership with Hiewa, or if we are required to do so by law.

You have the right under the GDPR to request deletion of your personal data at any time. To exercise this right, email hassan@futureventures.se from the email address associated with your account. We will process your request within 30 days.

Please note that certain information may need to be retained where required by law, for example accounting records under Swedish bookkeeping rules.

Du har enligt GDPR rätt att när som helst begära att dina personuppgifter raderas. För att utöva denna rätt, mejla hassan@futureventures.se från den e-postadress som är kopplad till ditt konto. Vi behandlar din begäran inom 30 dagar.

Observera att viss information kan behöva sparas när det krävs enligt lag, till exempel bokföringshandlingar enligt svensk bokföringslagstiftning.

All content in the Services — including text, design, graphics, logos, code and trademarks — is owned by Hiewa AB or its licensors and is protected by Swedish and international law. You are granted a personal, non-transferable, revocable licence to use the app for its intended purpose. You may not copy, modify, distribute or create derivative works from any part of the Services without our prior written consent.

The Services are provided “as is” and “as available”. To the fullest extent permitted by law, Hiewa makes no warranties regarding uninterrupted availability, accuracy of employer or bank data, or the timing of Swish or Autogiro transfers, which are controlled by third parties.

Nothing in this Agreement limits our liability for personal injury caused by negligence, for fraud, or for any other liability that cannot be excluded under Swedish mandatory law. Subject to that, our total liability to you for any claim arising out of or in connection with the Services is limited to the fees you have paid to Hiewa in the twelve months before the event giving rise to the claim.

Hiewa does not provide financial, tax or legal advice. The Services are a tool to help you manage cash flow between paydays and are not a substitute for professional advice.

This Agreement is governed by Swedish law. If we cannot resolve a dispute informally, you may bring the matter before the Swedish National Board for Consumer Disputes (Allmänna reklamationsnämnden, ARN, arn.se) or a Swedish general court. Nothing in this Agreement affects your rights as a consumer under mandatory Swedish law.

Hiewa AB is the data controller for personal data processed in the Services. We process the data you provide (name, personal identity number, contact details, bank account, BankID authentication) and data received from your employer (employment, shifts, earned salary) in order to provide the Services, process withdrawals, prevent fraud, comply with legal obligations and improve the product.

Legal bases under the GDPR (Regulation (EU) 2016/679) are: performance of a contract with you (Article 6.1.b), our legitimate interests in operating and securing the Services (Article 6.1.f) and compliance with legal obligations, in particular under the Swedish Accounting Act (Bokföringslagen 1999:1078) and the Anti-Money Laundering Act (Lag 2017:630) (Article 6.1.c).

Personal data is stored inside the EU/EEA and shared only with the processors we need to run the Services: our cloud hosting provider, our BankID and Autogiro partners, Swish, our payroll integration partner and customer support tools. All processors are bound by written data processing agreements.

We retain data for as long as your account is active and for up to seven (7) years after closure, as required by Swedish bookkeeping rules. You have the right to access, rectify, erase, restrict or object to processing, and to data portability. You can exercise these rights by emailing privacy@hiewa.com. You may also lodge a complaint with the Swedish Authority for Privacy Protection (IMY, imy.se).

Hiewa AB · support@hiewa.com · privacy@hiewa.com