Terms of Service

Effective date: 28 May 2026 Version: 1.0

These Terms of Service (the "Terms") form a binding agreement between you (the "User") and Wizz! comms., a company incorporated in Ireland with registered office in Castlerea, Co. Roscommon (the "Company", "we", "us"), governing your use of the MeJu service ("Service").

By creating an account, you confirm that you have read, understood and agree to be bound by these Terms.

1. Definitions

• Service: the MeJu web application, including pages, APIs, dashboards and related services operated by the Company.
• User: any natural person who creates an account and uses the Service.
• Account: the personal credentials and workspace associated with a User.
• Workspace: an isolated data environment where a User stores financial records.
• Transaction Record: any individual entry of income or expense the User registers, imports or edits inside the Service.
• Subscription: the paid plan that grants the User continued access to the Service after the trial period.
• Content: any data, files, statements, notes or other material the User uploads or generates inside the Service.

2. Account creation and eligibility

To use the Service you must:

1. Be at least 18 years old.
2. Provide a valid email address and create a password that meets our minimum requirements.
3. Confirm ownership of the email address through the verification link we send.
4. Provide accurate information and keep it up to date.

You are responsible for any activity that occurs under your Account. You must keep your credentials confidential and notify us immediately at support@wizzcomms.com if you suspect unauthorised access.

3. Licence to use the Service

We grant you a personal, non-exclusive, non-transferable, revocable licence to access and use the Service for your own personal or professional financial management, subject to these Terms.

You may not:

• copy, modify, distribute, sell, lease or sublicense any part of the Service;
• reverse engineer or attempt to extract the source code, except where applicable law expressly allows it;
• use the Service to build a competing product;
• use the Service to process personal data of third parties without a valid legal basis (see our Acceptable Use Policy).

4. User Content

You retain all rights to the Content you upload. By using the Service, you grant us a worldwide, royalty-free, limited licence to host, process and display your Content solely to operate the Service for you.

You declare that you have the right to upload the Content and that it does not infringe any third-party right or applicable law.

We do not access, read or use your Content for any purpose other than operating the Service for you. We never sell your data and we never use it to train artificial intelligence models.

Backup is your responsibility too. We keep operational backups of the Service (see Privacy Policy, section 9), but they exist to protect Service continuity, not to guarantee recovery of any specific Content for any specific User. You should export your data periodically through Settings > Plan > Export data. We do not guarantee restoration of individual Content from backup and are not liable for loss of Content you did not export.

4.A. Artificial Intelligence inside the Service

The Service includes AI-generated suggestions (daily tip, monthly summary, panorama, anomaly observation, category suggestion). These features are operated under the conditions described in section 6 of the Privacy Policy.

You acknowledge and agree that:

• AI output may be inaccurate, incomplete, outdated or otherwise unsuitable for your situation;
• AI output is informational only and does not constitute financial, tax, accounting, investment, legal or any other regulated professional advice;
• you are solely responsible for any decision you make, action you take or transaction you execute based on AI output;
• the Company is not liable for any loss arising from your reliance on AI output, except where prohibited by mandatory law (see section 9);
• you can disable all AI features at any time under Settings > Plan > Artificial Intelligence, at no cost and without affecting the rest of the Service.

5. Free trial with payment method on file

The Service offers a fourteen (14) day free trial. To start the trial you must register a valid payment method. No charge is made during the trial.

This trial complies with Article 8 of EU Directive 2011/83 (Consumer Rights Directive). You may cancel at any time during the trial through the customer portal and you will not be charged.

If you do not cancel before the end of the trial, your Subscription starts automatically and your payment method is charged.

6. Subscription, billing and renewal

The Subscription renews automatically at the end of each billing period (monthly or annual, depending on the plan you select) until you cancel.

Prices, currencies and billing periods are shown on the pricing page and confirmed on the checkout summary screen before payment. Taxes are added where applicable.

We may change prices for future renewals. We will give at least thirty (30) days' notice by email before the new price applies. If you do not accept the new price, you may cancel before it takes effect.

7. Right of withdrawal and refunds

EU residents have a right of withdrawal of fourteen (14) days from the start of paid Service, under the Consumer Rights Directive. Brazilian consumers have a right of withdrawal of seven (7) days under Article 49 of the Brazilian Consumer Defence Code. We apply the longer of the two: fourteen (14) days.

To exercise this right, write to support@wizzcomms.com from the email address associated with your Account.

Outside this window, the Subscription is non-refundable except in cases of:

• a critical bug attributable to the Service;
• unavailability of the Service for more than forty-eight (48) consecutive hours.

In those cases we will refund the pro-rata portion of the unused period.

8. Cancellation and suspension

You may cancel your Subscription at any time through the customer portal in one click. After cancellation you keep access until the end of the period you have already paid for.

We may suspend or terminate your Account if you breach these Terms, the Acceptable Use Policy, or applicable law. We will give reasonable notice when possible and a chance to remedy the breach, except in cases of serious or repeated violations.

9. Limitation of liability

To the maximum extent permitted by law:

• the Service is provided "as is" and "as available", without warranties of any kind, express or implied, including fitness for a particular purpose, merchantability or non-infringement;
• we are not liable for indirect, incidental, consequential, special, exemplary or punitive damages, nor for loss of profit, loss of revenue, loss of business opportunity, loss of goodwill or loss of data not preventable by the export mechanism described in section 4;
• our total aggregate liability for any and all claims, in contract, tort or otherwise, is capped at the lower of: (i) the amount you paid for the Service in the twelve (12) months preceding the event giving rise to the claim; or (ii) one hundred euros (EUR 100) where no payment was made during that period;
• we are not liable for any financial, tax, accounting, investment or regulatory loss arising from your reliance on AI output (see section 4.A), nor for any administrative fine, tax assessment or regulatory penalty imposed on you by any authority;
• we are not liable for failures attributable to third-party services outside our reasonable control (payment networks, ISPs, public cloud outages, force majeure).

Nothing in this clause limits liability for fraud, wilful misconduct, gross negligence, death or personal injury caused by our negligence, or any other liability that cannot be excluded or limited under applicable mandatory law (including consumer protection law applicable to you).

10. Indemnification

You agree to indemnify the Company against any third-party claim arising from your breach of these Terms, your Content, or your use of the Service in violation of applicable law.

11. Governing law and jurisdiction

These Terms are governed by the laws of Ireland.

• Consumers in Brazil: despite the above, you keep the rights granted by the Brazilian Consumer Defence Code (CDC), and the courts of your domicile have concurrent jurisdiction over any consumer dispute, under Articles 6, IV and 101, I of the CDC.
• Consumers in the European Union, EEA or United Kingdom: despite the above, you keep the mandatory consumer protection rights of your country of residence, and you may bring proceedings in the courts of that country, under Regulation (EU) 1215/2012 (Brussels I recast) or equivalent local rules.
• Business Users (non-consumers): Irish courts shall have exclusive jurisdiction to settle any dispute arising out of or in connection with these Terms or the Service.

12. Changes to these Terms

We may update these Terms from time to time. We will notify active Users by email at least thirty (30) days before the new version takes effect, and the new version will be displayed for express acceptance on your next login.

If you do not accept the new version, you may cancel your Subscription before it takes effect and request a pro-rata refund for any unused paid period.

13. Contact

For questions about these Terms, write to support@wizzcomms.com. For data protection requests, write to dpo@wizzcomms.com.

Postal address: Wizz! comms. Castlerea, Co. Roscommon, Ireland