Terms of Service

Last Modified: October 17, 2026

These Terms of Service apply to users whose usual residence is in the United Kingdom, Switzerland, or EEA.

If your usual residence is in Nigeria or anywhere else outside of the United Kingdom, Switzerland, or EEA, these Terms of Service will apply.

These terms of service (the “Terms”) tell you the terms on which you may access and use the spending and personal finance management services that Piezza makes available through our website and mobile applications available through various third-party app stores (the “App”), the website piezzaapp.com (our “Site”), and any associated content, including receipt of educational materials and communications to manage your subscription, functionality and services, or as otherwise notified to you by Piezza from time to time (together the “Services”).

Please read these Terms carefully before you start to use the Services. By using the Services, you confirm that you accept these Terms and that you agree to comply with them. If you do not agree to these Terms, you must not use the Services. These Terms apply to your use of the Services if you are a resident of the UK, Switzerland, or European Economic Area (“EEA”). For terms relating to use of the Service elsewhere, these terms apply.

These Terms should be read alongside our Privacy Policy and our Acceptable Use Policy.

Click on the links below to go straight to more information on each area:

1. About Piezza

The Services are provided by Firebringer Technologies Ltd d/b/a Piezza (“Piezza”, “we”, “us”, or “our”), a company incorporated in Nigeria. In these Terms, “Company” also refers to Firebringer Technologies Ltd.

2. How to Contact Us

You can contact us by email at:

3. How We Will Contact You

We contact you by email using the details you provided when creating your account. As such, you must notify us as soon as possible if any of your details change.

We may also contact you by sending in-app messages or notifications to your device.

4. Your Account and Password

You must be 13 or older to create an account with us.

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.

Piezza is a tool designed to help users plan, track, and manage their spending. You may use the Services for personal, household, or small business purposes. A small business shall mean a business that has 50 or fewer employees.

You shall not use the Services in any way that violates applicable law or regulation, including those governing accounting, taxation, or financial reporting. The Services are not accounting software, tax software, bookkeeping software, or a substitute for professional advice.

While Piezza strives to provide accurate and reliable functionality, the accuracy and completeness of the data and output depend on data provided by you and third parties. Piezza makes no warranty that the information is error-free or suitable for use in audited financial statements, regulatory filings, or tax returns.

You are responsible for ensuring that your use of the Services meets your personal or business needs and for complying with all relevant legal, tax and regulatory obligations.

You must provide accurate and complete information when creating your account and keep your account information updated. We may suspend or terminate your account and access to the Services if we determine that any information provided is not accurate or current.

You are responsible for maintaining the confidentiality of your account details, including your passwords or any other piece of information that forms part of our security procedures. You must not disclose this information to any third parties. You authorize us to act on instructions received under your account and we will not be liable for any loss that you might suffer through following such instructions whether by you or another person.

You must contact us immediately at help@piezzaapp.com if you believe that your account has been compromised or if you believe that the security of your account is at risk. 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 reasonable opinion, you have failed to comply with any provision of these Terms.

You are responsible for all activity under your account even if someone else uses your account.

5. The Services

Once you have created your account using your email address, you can access the Services via the App and our Site in the following ways:

6. Bank Connections

We also use data relating to your bank account(s) held by third-party financial institutions 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. We use third-party providers such as 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 in Africa, bank connection services 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, and by doing so you accept the Mono End-user Policy.

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.

7. Subscriptions

You may use the Services during any free Trial Period that we may offer without ads (or as otherwise communicated to you). After the Trial Period, 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.

Payment

Payments for Subscriptions are due upfront at the beginning of the Subscription Period and will be charged to you on the first day of each Subscription Period.

When you purchase a Subscription through an App Store, payment of subscription fees is managed by that App Store and will be subject to their terms. You shall provide a valid payment method and keep your payment information current. You authorize us (or the applicable App Store) to charge your payment method for all fees associated with your subscription.

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.

Renewal

Unless you opt out of auto-renewal for your Subscription, your current Subscription will automatically renew at the end of your current Subscription Period for the same Subscription Period and you will be charged in full for the renewed Subscription. Fees for all subsequent Subscriptions (after your initial Subscription) will continue to be billed to your payment method until cancelled. You must cancel your Subscription before it renews in order to avoid billing of the next Subscription Period’s fee to your payment method.

Piezza may increase the price for Subscriptions upon providing you with prior written notice as required by law. Any increase to the price will only become effective upon renewal of the Subscription. If you do not agree with the increase, you can choose not to renew your Subscription in accordance with the Cancellation section below.

Cancellation

You may cancel your Subscription at any time through the Apple App Store or Google Play, or by contacting Support at help@piezzaapp.com from the email address associated with your Piezza account. If you have purchased your Subscription via any third-party App Store, your subscription is managed by that third-party App Store and will be subject to their terms on cancellation.

You must cancel your Subscription before it renews in accordance with these Terms in order to avoid being charged the subscription fee for the next payment period, unless you are exercising your rights during an applicable cooling-off period (see the Cooling Off section below).

Where you cancel your monthly Subscription before it expires, you will continue to have access to the Services for the remainder of your Subscription period (unless you delete the App). Outside any applicable cooling-off period, monthly subscription fees are non-refundable. We do not provide retroactive refunds, discounts, or extensions based on feature usage or service interruptions, except where required by applicable law.

If you have purchased your Subscription via any third-party App Store, your subscription is managed by that third-party App Store and will be subject to their terms on refunds.

Cooling off / Consumer Withdrawal Rights

In addition to your cancellation rights set out above, under applicable consumer protection laws, you have the right to withdraw from this contract (meaning, change your mind in relation to a Subscription) within 14 days of purchasing it (after any free trial, if applicable) without giving any reason. The withdrawal period expires 14 days from the date of purchase (also known as a “cooling off period” or the right of withdrawal). If you have used the Services during this period, any refund may be reduced on a pro-rata basis to reflect your use of the Services during that period.

You also have the right to cancel your Subscription within 14 days of the start of any renewal of a Subscription. Any refund may be reduced on a pro-rata basis to reflect your use of the Services during that period.

To exercise your right of withdrawal, you must inform us of your decision by sending an unambiguous statement to help@piezzaapp.com, which should include a statement that you are a UK, Swiss, or EEA resident, are withdrawing from the contract, and include information that can be used to identify you and your account. If you purchased through an App Store, you may also need to follow that App Store’s withdrawal or refund process.

These cooling-off rights are in addition to, and do not affect, any other rights you may have under applicable consumer protection law.

Failed Payments and Billing Disputes

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.

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, except where applicable law provides otherwise. To dispute a charge, contact us at help@piezzaapp.com with your account information and a description of the charge you are disputing.

8. In-App Advertising

If you use the Services without a paid Subscription after your Trial Period (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.

9. Your Right to Use Our Service

We grant you a limited, non-exclusive, non-transferable license to use our Services, including installing and using our App on your mobile device for the purposes of accessing and using the Services.

All intellectual property in all Services and all content and/or materials contained therein (including, without limitation, the screen displays, the content, the text, graphics and look and feel of the Services and the website), belongs to us or our licensors. These works are protected by Nigerian and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. All such rights are reserved.

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.

In the event of any claim that the Services or your possession and lawful use of the Services infringes a third-party’s intellectual property rights, we will be solely responsible for the investigation, defence, settlement, and discharge of any such claim to the extent required by these Terms.

You may not use our Services for competitive purposes, and our Services may not be used by any of Piezza’s competitors or anyone affiliated with Piezza’s competitors. This means that you must not share our features, functionality, releases, and/or updates with our competitors, and/or sign up for a Piezza account, in order to share 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.

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 (1) obtaining our prior written consent, and (2) properly crediting us as the creator of the work. In order to communicate with us regarding this consent, please email us at help@piezzaapp.com.

You may not reproduce, republish, transmit or distribute any material, information or content on the Services, or that form part of our Services, without our prior written consent. We reserve the right, in our sole discretion and without notice to you, to terminate your license and to prevent future access by you to the App and/or our Site where you breach these Terms.

If you link to our home page, you must do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part where none exists. Our site must not be framed on any other site. We reserve the right to withdraw linking permission without notice.

Rules of Acceptable Use

When using the Services, you shall not:

Failure to comply with the Acceptable Use Policy and the list above constitutes a serious breach of these Terms and may result in us taking all or any of the following actions (with or without notice): immediate, temporary or permanent withdrawal of your right to use the Services; removal of Your Content; issuing a warning to you; or disclosure of such information to law enforcement authorities as we reasonably feel is necessary.

The responses described above are not limited and we may take any other action we reasonably deem appropriate. We reserve the right, in our sole discretion and without notice to you, to terminate your access and to prevent future access by you to the Services where you breach these Terms.

10. Your Content

The App and/or our Site may contain a feature that permits users to upload photos with their transactions. Your use of this feature is governed by our Acceptable Use Policy, which also forms part of these terms of service. Please read these carefully and comply with them.

You must not upload or share content using the App and/or our Site unless you have the right to do so. Any content that you upload to any Services you will be considered non-confidential and non-proprietary.

We are not responsible for any content uploaded to the App and/or our Site, which may be accessible on the App and/or our Site. You shall reimburse Piezza for any liability that may be incurred in connection with any third-party claim relating to your content. Piezza may, in its sole discretion, remove any of your content from the App and/or our Site.

Any person may contact us at help@piezzaapp.com to make us aware that content may infringe their rights or our Acceptable Use Policy.

11. We Do Not Provide Financial or Investment Advice

The Services are designed to allow you to plan, track, and manage information related to your finances and spending. Any material we provide through the App and/or our Site or resulting from your use of the Services, including any recommendations or suggestions, is for general informational purposes only and does not constitute financial, tax, or investment advice.

All the Services we provide to you provide information based on information that you enter. You should seek appropriate financial or professional advice before taking any action that may impact on your finances.

Piezza does not recommend or endorse any specific banking, investment, accounting, payment, or financial products or opinions that may be mentioned within the Services.

The Services we provide are not a substitute for professional financial, accounting, or tax advice. We make no warranties in relation to the output or results of our Services, or as to the accuracy, suitability, or completeness of any information for accounting, regulatory, or reporting purposes.

12. No Warranty

We provide the Services on an “AS IS” and “AS AVAILABLE” basis. We expressly disclaim all warranties of any kind, subject to specific rules in some jurisdictions which do not allow the exclusion of implied warranties or limitations on applicable statutory rights of a consumer.

Although we have taken all reasonable care to ensure that the features and functionalities provided as part of the Services are of a reasonably satisfactory standard, certain features may rely on networks and connections that are beyond our control. We will therefore not be liable or responsible for any failure or delay in the Services caused by events outside our reasonable control.

The Services may contain links to third-party websites or resources. Piezza provides these links and resources only as a convenience and is not responsible for the content, opinions, products, or services on or available from those websites or resources, the links displayed on such websites, or the privacy practices of such websites. We recommend that you read and consider these websites’ privacy policies and terms and conditions before providing any of your personal information. Piezza is not responsible for the privacy practices or content on third party websites.

We are not responsible for the accuracy of financial data obtained from third-party sites that are displayed or reported through any of the Services. We are also not responsible for and cannot guarantee the accuracy or timeliness of payment 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.

Your use of the Services is at your own risk. We do not guarantee that the Services will always be available or be uninterrupted. We may suspend, withdraw, or restrict the availability of all or any part of our Services for business and operational reasons, and will try to give you reasonable notice of any suspension or withdrawal. We will not be liable to you if for any reason the Services are unavailable at any time or for any period.

Some jurisdictions do not allow the exclusion of implied warranties or limitations on applicable statutory rights of a consumer, so the exclusion and limitations in this section 12 may not apply to you.

13. Your Privacy

We need to collect certain personal information from you in order to provide you with the Services.

We take privacy seriously and are committed to ensuring your information is handled appropriately. Please read our Privacy Policy to understand how we collect, use and store information about you. That policy also applies to your use of our Site and forms part of these terms of service.

14. Cancellation by Us

If you are accessing the Services for free during the Trial Period, we may close your account and/or prevent your access to and use of the Services at any time by providing you one month’s notice without liability to you.

If you have purchased a Subscription, we may terminate your Subscription, close your account, and/or prevent your access to and use of the Services with immediate effect if:

15. Our Responsibility to You

If the Services fail to meet the standards required by applicable law, please contact us in accordance with section 2, and the third-party App Store if applicable, for information as to any refund you may be entitled to.

Piezza shall only be liable under these Terms for losses which are reasonably foreseeable and caused by Piezza’s breach of these Terms or Piezza’s negligence. If you use the Services for any commercial, business or re-sale purpose we will have no liability to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising in connection with the use of, or inability to use, our Services, or use or reliance of any content displayed on our Services. In particular, we will not be liable for: loss of profits, loss of sales, business, or revenue; business interruption; loss of anticipated savings; loss of business opportunity, goodwill, or reputation; or any indirect or consequential loss or damage.

We are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time you accepted these Terms, both we and you knew it might happen.

In any event, 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.

Nothing in these Terms excludes any statutory rights which may apply to your use of the Services and associated Services which cannot be excluded, restricted or modified by contract.

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors or for fraud or fraudulent misrepresentation.

16. Failures to Networks or Hardware

Although we have taken all reasonable care to ensure that the features and functionalities provided as part of the Services are of a reasonably satisfactory standard, certain features may rely on your device or networks and connections that are beyond our control. We shall therefore not be liable or responsible for any failure to perform, or delay in performance, of any of our obligations to you which are caused by events outside our reasonable control.

17. Updates to the App and/or Our Site

From time to time we may automatically update the App and/or our Site to improve performance, enhance functionality, reflect changes to our products or regulations, or address security issues. Alternatively, we may ask you to update the App or the web browser used to access our App and/or Site for these reasons.

If you choose not to install such updates or if you opt out of automatic updates you may not be able to continue using the Services.

18. Changes to These Terms

We may change these Terms from time to time. Any changes we may make to these Terms in the future will be posted on the App or our Site and, where appropriate, notified to you by email. If you do not agree with any updates or changes made to these Terms, you are free to reject them, however that means you will no longer be able to use the Services. By continuing to use and access the Services following such changes, you agree to be bound by any changes we make. Please review this page frequently to see any updates or changes to these Terms.

The latest version of these Terms will always be available on the App and our Site, and they were most recently updated as of the date set forth at the beginning of these Terms.

19. Viruses

While we take all reasonable precautions to keep the Services free from viruses, corrupt files and other malicious software, we cannot guarantee this. We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your device.

20. App Store Requirements

Apple App Store

These Terms are between you and us only and not between you and Apple, Inc (“Apple”). Apple has no responsibility for the App or content thereof. Your use of the App must comply with the App Store Terms of Service.

Apple has no obligation to furnish any maintenance and support services with respect to the App. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and (where applicable) Apple will refund the purchase price for the App to you. To the maximum extent permitted by law, Apple will have no warranty obligation whatsoever with respect to the App, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be solely governed by these Terms and any law applicable to Piezza as provider of the app.

You acknowledge and agree that Apple is not responsible for addressing any claims you have or any claims of any third party relating to the App or your possession and/or use of the App, including, but not limited to: product liability claims; any claim that the App fails to conform to any applicable legal or regulatory requirement; and claims arising under consumer protection or similar legislation, and all such claims are governed by these Terms and any law applicable to Piezza as the provider of the app.

You acknowledge that, in the event of any third-party claim that the app or your use of the App infringes a third party’s intellectual property rights, Piezza, not Apple, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim to the extent required by these Terms.

You represent and warrant that you are not located in a country that is subject to US Government embargo, or that has been designated by the US Government as a “terrorist supporting” country, and you are not listed on any US Government list of prohibited or restricted parties.

Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce these Terms as related to your licence of the App against you.

Google Play Store

If you downloaded the App from Google Play, your use of the App must also comply with Google Play’s applicable terms of service. Google LLC and its affiliates are not responsible for providing maintenance or support for the App, and these Terms are between you and us only.

21. Complaints

If you have a complaint or dispute with us relating to the Services, in the first instance, please contact us via help@piezzaapp.com and we will attempt to resolve the complaint or dispute informally.

If we are unable to resolve your complaint or dispute with you informally, we will suggest an appropriate consumer focused mediation or arbitration dispute resolution service based on the nature of the complaint or dispute and your location.

Whilst you are under no obligation to resolve your complaint or dispute using this service, we would hope that you will use this service as we consider this the most cost effective and appropriate way to resolve complaints and disputes with our users.

The invalidity or unenforceability of any provision (in whole or part) of these Terms shall not affect the validity or enforceability of the remaining provisions (in whole or part). The whole or part of any provision which is held by a court of competent jurisdiction to be invalid or unenforceable shall be deemed deleted from these Terms.

These Terms are personal to you. You shall not be entitled to assign these Terms in whole or in part to any third party without our prior written consent.

We may transfer our rights and obligations under these Terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under these Terms.

Any failure by us to enforce any of these Terms shall not be a waiver of them or limit the right to subsequently enforce any of these Terms.

These Terms shall be governed and construed in accordance with the laws of Nigeria. However, this does not exclude any mandatory legal rights you may have in your country of residence, where we are not allowed to exclude such as a matter of law. The Nigerian courts will have jurisdiction, but this does not affect your ability to make a claim in your country of residence where you have this right.

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.