These Terms of Service apply to users whose usual residence is in Nigeria or anywhere other than the United Kingdom, Switzerland, or EEA. If your usual residence is in the United Kingdom, Switzerland, or EEA, these Terms of Service will apply.
Acceptance of the Terms of Service
Welcome to Piezza’s (“Company”, “we” or “us”) website! The following terms and conditions, together with any additional documents or policies they expressly incorporate by reference (collectively, these “Terms of Service” or “Terms”), govern your access to and use of our apps, software, and the piezzaapp.com website, any associated content, including trainings, receipt of educational materials and communications to manage your subscription, functionality, and services (the “Services”), whether as a guest or a registered user.
We ask all of our users to please read the Terms of Service carefully before you start to use the Services. By using the Services or by clicking to accept or agree to the Terms of Service when this option is made available to you, you accept and agree to be bound and abide by these Terms of Service, our Privacy Policy, and our Acceptable Use Policy both incorporated herein by reference. If you do not want to agree to these Terms of Service, the Privacy Policy, or the Acceptable Use Policy do not access or use the Services. Please note that our terms include a mandatory arbitration requirement and class action and jury trial waiver. You may opt out of the mandatory arbitration within 30 days after accepting these Terms (see the “Governing Law; Jurisdiction; Dispute Resolution by Binding Arbitration” section below for more information on how to do this).
No one under 13 is allowed to create an account or use the Services. If you are under 18 or otherwise under the legal age to form a binding contract in your jurisdiction, you may only use the Services with the prior consent of your parent or other legal guardian. You must promptly provide us credible evidence of such consent if we request it. By using our Services, you represent and warrant that you are of legal age, or you have sufficient consent from your legal guardian, to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Services. Registering on behalf of another who does not meet this age requirement is itself a violation of these Terms. We reserve the right to suspend or terminate accounts of users who do not comply with these terms.
Changes to the Terms of Service
We may revise and update these Terms of Service from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Services thereafter. We may notify you of certain changes by sending you an email to the email address associated with your account, but we reserve the right to correct typographical errors, inaccuracies, or omissions without sending you an email notice.
However, any changes to the dispute resolution provisions set forth in the “Governing Law; and Jurisdiction; Dispute Resolution by Binding Arbitration” section below will not apply to any disputes for which the parties have actual notice prior to the date the change is posted on this page.
Your continued use of the Services following the posting of revised Terms of Service means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.
Accessing the Services and Account Security
We reserve the right to withdraw or amend our Services, and any service or material we provide, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Services are unavailable at any time or for any period.
To access the Services, you may be asked to provide certain registration details or other information. It is a condition of your use of the Services that all the information you provide us is correct, current, and complete. You acknowledge that all information you provide to register with the Services or otherwise, including, without limitation, through the use of any interactive features on our Services, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.
If you choose, or are provided with, a username, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and will disclose that confidential information solely at your own risk and discretion. Should you, at your discretion, choose to share your username, password, or other security information with any other person or entity in order to share access, we disclaim all liability for anything that person or entity may do to compromise the security of your account.
You shall notify us immediately of any unauthorized access to or use of your username or password or any other breach of security. You also shall ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.
We have the right to disable any username, password or other identifier, whether chosen by you or provided by us, at any time if, in our opinion, you have violated any provision of these Terms of Service or our Acceptable Use Policy.
We are not responsible for the accuracy of financial data obtained from third-party sites that are displayed or reported through the Services. The Company is not responsible for and cannot guarantee the accuracy or timeliness of financial accounts we retrieve on your behalf directly, from third-party technology providers, from third-party financial institutions where your accounts are held, or from third-party research/market data providers used to provide the Services.
The Company may not be able to foresee or anticipate technical or other difficulties which may result in failure to obtain data, personalization settings or other service interruptions. The Company assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications or personalization settings.
Limited Actions of the Company as Your Agent
By accessing and using the services which aggregate third-party financial account transactions and data, you expressly authorize and direct the Company, on your behalf, to electronically retrieve your account information maintained by third-party financial institutions with which you have a legally binding customer relationship. Subject to our privacy procedures as described in the Privacy Policy, the Company may work with one or more third-party financial service technology providers to access and retrieve your Account Information.
For purposes of this agreement and solely to obtain and provide the account information to you as part of the services, you grant Piezza a limited power of attorney, and appoint Piezza as your attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third-party sites, servers or documents, retrieve information and use your information with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you could do in person.
You acknowledge that when Piezza is accessing and retrieving account information from third-party sites, Piezza is acting as your agent, and not as the agent of or on behalf of any third party. You acknowledge that third- party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand that the Services are not endorsed or sponsored by any third party account providers accessible through the Services.
Acceptable Use and Scope of Service
Piezza is a tool designed to help users plan, track, and manage their spending. You may use Piezza for personal, household, or small business purposes. A small business shall mean a business that has 50 or fewer employees.
You shall not use Piezza in any way that violates applicable law or regulation, including those governing accounting, taxation, or financial reporting. Piezza does not provide financial, investment, tax, or accounting advice, and is not a substitute for professional bookkeeping or accounting software.
While Piezza strives to provide accurate and reliable functionality, the accuracy and completeness of information displayed in the Service depend on data provided by you and third parties (such as financial institutions). Piezza makes no warranty that such information is error-free or suitable for use in audited financial statements, regulatory filings, or tax returns.
You are solely responsible for ensuring that your use of Piezza meets your personal or business needs and for complying with all applicable legal and tax obligations.
By using our Services (and particularly, if you choose to upload photos with your transactions), you shall adhere to and abide by our Acceptable Use Policy. Please review it carefully, as this Acceptable Use Policy is part of the Terms that you agree to when you use our Services.
Intellectual Property Rights
The Services and their contents, features, and functionality (including, without limitation, all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof), are owned by the Company, its licensors, or other providers of such material and are protected by Nigerian and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
You shall not reproduce, distribute, modify, reverse engineer, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our Services.
You shall not use our Services for competitive purposes, and our Services shall not be used by any of Piezza’s competitors or anyone affiliated with Piezza’s competitors. This means that you shall not share our features, functionality, releases, and/or updates with our competitors, and/or that you shall not sign up for a Piezza account for the purpose of sharing information about Piezza or to influence and/or improve upon our competitor’s products. For purposes of this Agreement, “competitors” refers to any providers of personal finance tools, software, or services that offer functionality substantially similar to ours. A violation of this provision is considered a material breach of our Terms of Service and an infringement on our intellectual property rights, and as such, we reserve the right to immediately terminate or suspend any accounts found to be in violation of this provision and pursue any legal remedies to which we are entitled, including, without limitation, injunctive and/or equitable relief.
If you print, copy, modify, download or otherwise use or provide any other person with access to any part of the Services in breach of the Terms of Service, your right to use the Services will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in or to the Services or any content on the Services is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Services not expressly permitted by these Terms of Service is a breach of these Terms of Service and may violate copyright, trademark, and other laws.
You may not use any materials created by us (such as trainings, videos, blog posts, or the like) available through our Services for your own commercial training or educational purposes without first properly crediting us as the creator of the work or obtaining our prior written consent. In order to obtain this consent, please write to us at help@piezzaapp.com.
Trademarks
The Company name, the terms “Piezza”, "Make Your Money Make Sense" , the Company logo, and all related names, logos (such as the Piezza "P" logo), product and service names, designs and slogans are trademarks of the Company or its affiliates or licensors. You shall not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs and slogans featured on the piezzaapp.com website or otherwise in our Services are the trademarks of their respective owners.
Prohibited Uses; Termination
You may use the Services only for lawful purposes and in accordance with these Terms of Service. You agree not to use the Services:
- In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).
- For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.
- To send, knowingly receive, upload, download, use, or re-use any material which does not comply with any standards set out in these Terms of Service.
- To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail”, “chain letter”, or “spam” or any other similar solicitation.
- To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity (including, without limitation, by using email addresses, screen names, or social media accounts or handles).
- To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Services, or which, as determined by us, may harm the Company or users of the Services or expose them to liability.
Additionally, you shall not:
- Engage in abusive (verbal and/or physical), harassing, threatening, discriminatory, or inappropriate conduct or behavior towards Piezza’s employees (and in particular, members of our Support team), contractors, agents, or other representatives, including, without limitation, through support channels, email, social media, or any other communication method;
- Engage in behavior that will put your personal information at unnecessary risk, such as leaving, transmitting, or publishing your Login or passwords;
- Use the Services in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Services, including their ability to engage in real time activities through the Services.
- Use any robot, bot, spider, scraper, offline reader or other automatic device, process or means to access the Services for any purpose, including monitoring or copying any of the material on the Services.
- Use any manual process to monitor or copy any of the material on our Services or for any other unauthorized purpose without our prior written consent.
- Use any device, software or routine that interferes with the proper working of the Services.
- Introduce any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful.
- Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Services, the servers on which the Services are stored, or any server, computer, or database connected to the Services.
- Attack the Services via a denial-of-service attack or a distributed denial-of-service attack.
- Otherwise attempt to interfere with the proper working of the Services.
We retain the right to: (1) take appropriate legal action for any illegal or unauthorized use of the Services and (2) terminate or suspend your access to all or part of the Services for any or no reason, including, without limitation, any violation of these Terms of Service.
We also use data relating to your bank account(s) held by third-party financial institutions (“Open Banking”) to help us to provide you with automated and dynamic access to your spending activity. We will therefore request your permission, as part of the connection process, to access your bank account(s) data using Open Banking. We use third-party providers such as Mono (Mono) and the Apple FinanceKit framework for this purpose, and by using our services, you accept such third-party provider’s terms of use and privacy policies and expressly grant such third party the right, power, and authority to access and transmit your information as reasonably necessary to provide the services to you. The third-party provider we use varies based on the location of the third-party financial institution at which you maintain the bank account(s) to which you provide us access. If you provide us access to your Apple Card account, we operate through the use of the Apple FinanceKit framework. To enable access to your Apple Card account information, you will need to grant us permission.
If your bank account is Africa, Open Banking will be provided by Mono. You authorize us to access data from the applicable third-party provider such as personal identity information and possibly other data such as transactional data, by doing so you accept the Mono End-user Policy.
Third-Party Applications
Any application, plugin, script, or other program that interacts with Piezza’s API or acts as a plugin to the official application (a “OAuth App”) does so at the risk of its users and developers, and must display the following message at least once, and require the user to acknowledge before the application will function:
Such OAuth Apps are not officially supported by Piezza in any way. Use of these OAuth Apps could introduce problems with Piezza, through its official support channels, will not be able to troubleshoot or fix. Please use at your own risk!
Reliance on Information Posted
The information presented on or through the Services is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Services, or by anyone who may be informed of any of their contents.
Our Services may include content provided by third parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.
Information About You and Your Use of our Services
All information we collect via our Services is subject to our Privacy Policy. By using our Services, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.
Subscription and Payment Terms
Subscription Plans: You may use the Services during any free trial period that we may offer without ads (or as otherwise communicated to you). After the free trial ends, if you do not purchase a subscription, you may continue to use the Services for free but will see ads. A paid subscription removes ads and may include other benefits we communicate to you. If a subscription lapses, ads may resume. We offer a monthly subscription plan. We reserve the right to modify, discontinue, or introduce new subscription plans at any time, including changes to our free, ad-supported offering.
Free Trials: We may offer a free trial period to new users. If your free trial has ended and you do not choose to purchase a subscription, you may continue to use the Services for free but will see ads.
If you sign up through a third-party app store (such as the Apple App Store or Google Play) (each, an “App Store”), the App Store may require credit card information to begin your trial, and different terms may apply.
Please note that we reserve the right to modify our free trial policies at any time.
Payment Methods: You shall provide a valid payment method (such as a credit card, debit card, or other valid payment method) and keep your payment information current. You authorize us to charge your payment method for all fees associated with your subscription.
Billing and Auto-Renewal: Subscriptions are billed in advance on a recurring basis depending on your selected plan. Your subscription will automatically renew at the end of each billing period unless you cancel before the renewal date. The renewal charge will be at the then-current subscription rate.
Price Changes and Subscription Offerings: We may change subscription terms, subscription fees, the services, and subscription offerings offered as part of the subscription at any time on a go forward basis in our sole discretion. If the pricing for your subscription increases, we will notify you as required by law and provide you an opportunity to cancel before applying those changes to your account or charging you in connection with an automatic renewal. Your continued use of the Services after a price change becomes effective constitutes your acceptance of the new price.
Cancellation & Refunds: While we don’t want to see you go, you may cancel your subscription at any time through the Apple App Store or Google Play or by contacting Support for assistance at help@piezzaapp.com. Cancellation will take effect at the end of your current billing period, and you will retain access to the Services until that time. You can always resume your subscription at any time if you change your mind.
Monthly subscription fees are non-refundable. We do not provide retroactive refunds, discounts, or extensions based on feature usage or service interruptions.
If you subscribed through an App Store, you must cancel through that App Store. For more on cancellation, see our Cancellation Policy.
Taxes: Subscription fees are exclusive of all applicable taxes, levies, or duties imposed by taxing authorities. You are responsible for paying all such taxes, levies, or duties. Where required by law, we will collect and remit applicable sales, use, VAT, or similar taxes.
Failed Payments: If your payment method fails or your account is past due, we may suspend or terminate your access to the Services. We may attempt to charge your payment method again, or request an alternative payment method. You remain responsible for any uncollected amounts. We may, but are not required to, engage third parties to collect amounts owed.
Billing Disputes. If you believe you have been incorrectly charged, you must contact us within 60 days of the charge. Failure to notify us within this period constitutes your acceptance of the charge. To dispute a charge, contact us at help@piezzaapp.com with your account information and a description of the charge you are disputing.
Modification to Services: We may choose in our sole discretion to add, modify, or remove services offered as part of the subscription on a temporary or permanent basis. If you do not wish to continue subscribing with the new modifications, you may cancel your subscription. Your failure to cancel or your continued use of the subscription after the changes become effective will constitute your acceptance of the changes. If you accept the new subscription, its terms and conditions will apply for that renewal and all renewals going forward.
In-App Advertising
If you use the Services without a paid subscription after your free trial (or after a subscription has lapsed), the Services may display advertisements. We use third-party ad networks and ad servers, including Google AdMob, to serve those advertisements.
Advertisements displayed in the Services are provided by third-party ad networks, ad servers, and advertisers. Piezza does not control, endorse, or guarantee the content, products, or services offered in those third-party advertisements. Any trademarks, logos, and creative assets belonging to third-party advertisers remain the property of their respective owners.
Your interaction with third-party advertisements, including clicking or tapping on them, is at your own risk and may be subject to the advertiser’s and the ad network’s own terms and policies. To the fullest extent permitted by applicable law, Piezza is not responsible for any harm, loss, malware, fraudulent claims, or other consequences arising from your interaction with or reliance on third-party advertisements.
We do not guarantee an uninterrupted or ad-free experience unless you have an active paid subscription that removes ads. We reserve the right to change, modify, or scale ad frequency, types of ads, or ad placements without prior notice. The Services are provided “as is” and may include ad-supported interruptions.
How advertising-related information is collected and used, including by Google AdMob and related Google advertising services, is described in our Privacy Policy, which forms part of these Terms of Service.
Links from the Services
If the Services contain links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to our Services, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.
Disclaimer of Warranties
You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Services will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Services or to your downloading of any material posted on our Website or Services, or on any website linked to our Services
Your use of the Services is at your own risk. The Services or items obtained through the Services are provided on an “as is” and “as available” basis, without any warranties of any kind, either express or implied. Neither the Company nor any person associated with the Company makes any warranty or representation with respect to the completeness, security, reliability, quality, accuracy, or availability of the Services. Without limiting the foregoing, neither the Company nor anyone associated with the Company represents or warrants that the services or their content will be accurate, reliable, error-free, or uninterrupted, that defects will be corrected, that our Website or the server that makes it available are free of viruses or other harmful components, or that the services will otherwise meet your needs or expectations.
The Company hereby disclaims all warranties of any kind, whether express or implied, statutory, or otherwise, including, without limitation, any warranties of merchantability, non-infringement, and fitness for particular purpose.
The foregoing does not affect any warranties which cannot be excluded or limited under applicable law.
Information presented through Piezza does not constitute financial, accounting, tax, or investment advice. You acknowledge that Piezza does not act as your accountant, fiduciary, or financial advisor, and you should consult qualified professionals for advice specific to your situation.
Limitation on Liability
The Company, its affiliates or their licensors, service providers, employees, agents, officers, or directors will not be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the services, any websites linked to them, any content on the services, or such other websites or any services or items obtained through the website or such other websites, including any direct, indirect, special, incidental, consequential, or punitive damages, including, without limitation, personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable.
The collective liability of the Company and its subsidiaries and affiliates, and their licensors, service providers, employees, agents, officers, and directors, to any party (regardless of the form of action, whether in contract, tort, or otherwise) will not exceed the amount you have paid to the Company for the applicable content, product, or service in the last 12 months out of which liability arose.
The foregoing does not affect any liability which cannot be excluded or limited under applicable law.
Indemnification
You shall defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Service or your use of the Services, including, without limitation, your photo uploads, any use of the Services’ content, services and products other than as expressly authorized in these Terms of Service, or your use of any information obtained from the Services.
Waiver and Severability
No waiver of by the Company of any term or condition set forth in these Terms of Service shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Service shall not constitute a waiver of such right or provision.
If any provision of these Terms of Service is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Service will continue in full force and effect.
Entire Agreement
The Terms of Service, our Privacy Policy, and our Acceptable Use Policy constitute the sole and entire agreement between you and Piezza with respect to the Services and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Services.
Any words following the terms “e.g.,” “including,” “in particular,” “for example”, “such as” or any similar expression are illustrative, non-exhaustive and do not limit the sense of the words, description, definition, phrase or term preceding those terms.