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:
Be at least 18 years old.
Provide a valid email address and create a password that meets our minimum requirements.
Confirm ownership of the email address through the verification link we send.
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 [email protected] 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 the Backups page in the app. We do not guarantee restoration of individual Content from backup and are not liable for loss of Content you did not export. Backup retention windows are described in section 9 of the Privacy Policy.
Recovery from the trash. Batches of transactions moved to the trash can be restored for 7 days on the Settings page, Trash tab, together with any investments and card items saved as part of that batch. This window applies only to data moved to the trash: deleting an investment or a card item directly does not place it there and cannot be undone through this feature. After the window expires, the batch can no longer be recovered and is automatically deleted; you can also delete it for good before then. This recovery feature is separate from operational backups and is described in section 9 of the Privacy Policy.
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.
6.A. Founding member offer (one-time payment)
During the beta period we offer the founding member plan: a one-time payment that grants lifetime access to the Service, with no renewal and no recurring charge.
No renewal. There is no subscription, no future charge, and the automatic renewal provisions of section 6 do not apply to this purchase.
Beta access. Features marked as beta (including the WhatsApp Assistant) may change, be suspended or be discontinued before general availability. Lifetime access refers to the Service as a whole, not to any specific feature.
Cooling-off. The withdrawal right in section 7 applies in full to this purchase: fourteen days (EU) or seven days (Brazil, CDC art. 49) from payment, with a full refund.
Lifetime means for the operating life of the Service: access lasts for as long as the Service exists, with no fixed term and no further charge. It does not mean the Service will exist indefinitely. If the Service is discontinued, section 8.A applies, which guarantees ninety (90) days of notice, an export of your data, and a pro-rata refund over a reference period of thirty-six (36) months from the purchase.
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 [email protected] 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.
8.A. Discontinuation of the Service
We may discontinue the Service, in whole or in part, at any time. If we do:
Notice. We will email active Users at least ninety (90) days before the shutdown date.
Guaranteed export. The data export described in section 4 stays available for the whole notice period, at no extra cost. Exporting your Content before the shutdown remains your responsibility.
Subscriptions. Future charges are cancelled and we refund, pro rata, the period you have already paid for and not used.
Founding member purchase (Lifetime). We refund pro rata over a reference period of thirty-six (36) months from the date of payment. The amount due is the price actually paid, multiplied by the whole months remaining in that period and divided by thirty-six. A shutdown after those thirty-six months does not give rise to a refund.
Cap. The refunds set out in this section are the entirety of what is owed on account of the discontinuation, subject to section 9 and without prejudice to the mandatory consumer protection rights that apply to you.
Refunds are issued to the payment method used for the purchase, within thirty (30) days of the shutdown date.
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.