Terms of use
Last updated 30 October 2026
- Mutabaqa is free while it is in beta, with no sign-up.
- Its results are suggestions. Check them before you rely on them.
- Upload only data you are allowed to use, and don't try to overload or break the service.
The service
Mutabaqa, by Chronorisks, matches the rows of two statements of account and explains the differences. It is offered free of charge during a beta period, without an account. We may change it, limit it, pause it or end it at any time. If we introduce accounts or paid plans, we will announce it on the home page before it applies.
Results are suggestions
The matching is automatic. It can pair the wrong rows, miss pairs, or misread a file, especially when the two books disagree. Every result, and the Excel report, is a suggestion for a qualified person to review. It is not accounting, audit, tax or legal advice, and it does not replace your own reconciliation procedures.
Your files
Your files stay yours. You give us permission to process them only to produce your report, as described in the privacy page. You confirm that you are allowed to upload them.
Fair use
To keep the tool free and fast for everyone, there are limits on file size, rows per statement and uses per hour and per day, and a match is stopped if it runs too long. Don't try to get around the limits, run automated or bulk requests, probe for weaknesses, or upload anything harmful.
No warranty
The service is provided "as is" and "as available", without warranties of any kind, to the extent the law allows. To the extent the law allows, Chronorisks is not liable for any loss arising from use of the service or reliance on its results, including lost profits or data. Nothing in these terms limits liability that cannot be limited by law.
Law
These terms are governed by the laws named by Chronorisks in a future update of this page. Until then, the law of the place where Chronorisks is established applies.