# Terms of Service
## 1. Parties
These Terms of Service ("Terms") govern use of the **Lumezzo** application ("Service")
provided by the operator identified in the footer of the Service ("Operator", "we")
and the natural or legal person who creates an account ("Customer", "you"). By
creating an account you agree to these Terms.
## 2. The Service
The Service is a web application for managing rental properties: recording
properties, leases, tenants, income, expenses, invoices, mortgages, and related
financial and tax records. It is provided **as-is**, without warranty of
completeness or fitness for any particular regulatory filing. You remain solely
responsible for the accuracy of any data you enter and of any reports or filings
you submit to authorities.
## 3. Account registration
You may register only if you are at least 18 years old and legally able to enter
into a binding contract. You must provide accurate registration details, keep your
credentials confidential, and you are responsible for all activity under your
account.
## 4. Acceptable use
You agree not to: (a) upload unlawful content, (b) attempt to gain unauthorised
access to the Service or other customers' data, (c) interfere with the operation
of the Service, (d) resell or provide the Service to third parties without the
Operator's consent, or (e) use the Service to process personal data of third
parties without a lawful basis under applicable data-protection law.
## 5. Plans, fees and billing
5.1 The Service is offered under a free tier and one or more paid tiers ("Plans").
The features, limits and price of each Plan are displayed on the pricing page and
in your organisation's settings at the moment of subscription.
5.2 Paid Plans are billed in advance for the chosen **billing period** — monthly or
yearly. The price for the full period is charged at the start of the period and is
**non-refundable** once the period has started, except where required by mandatory
consumer-protection law (see Section 8).
5.3 Payments are processed by a third-party **payment processor** identified on
the Subprocessors page of the Service. Card details are provided by you directly
to the payment processor and are never stored on the Operator's servers. The
payment processor's own terms and privacy policy apply to the payment
transaction.
5.4 The Operator may change pricing or the composition of Plans for future billing
periods. Any such change will be announced at least thirty (30) days before it
takes effect and will apply to your subscription from the next renewal only.
## 6. Automatic renewal
6.1 Every paid subscription **renews automatically** at the end of each billing
period for another period of the same length and at the then-current price, unless
you cancel it before the end of the period in accordance with Section 7.
6.2 Before each renewal the Operator will send a reminder to the organisation's
billing email address. Absence of such a reminder does not by itself prevent the
renewal from taking place.
## 7. Cancellation and termination
7.1 You may cancel auto-renewal at any time from the "Plan" tab in your
organisation's settings. Cancellation takes effect at the end of the current
billing period; until then you keep access to the paid features you have already
paid for.
7.2 After cancellation your organisation is automatically moved to the free tier
at the end of the billing period. You can re-enable auto-renewal before that date
to keep the paid Plan active.
7.3 The Operator may suspend or terminate a subscription for serious breach of
these Terms, non-payment, or where required to comply with law. Where termination
is for non-payment, the Operator will first mark the subscription as **past due**
and give you a reasonable opportunity to cure.
7.4 Upon termination the Operator will delete your organisation's data following
the grace period described in the Service's deletion flow.
## 8. Right of withdrawal (14 days) — consumers only
8.1 If you are a consumer concluding the contract outside of a business activity,
you have the right to **withdraw from the contract within fourteen (14) days** of
its conclusion, without giving any reason and without penalty, under § 1829 of the
Czech Civil Code / Directive 2011/83/EU.
8.2 To exercise the right of withdrawal, send an unambiguous statement to the
support email address shown in the Service, or use the "Plan" tab to cancel
immediately. You may use the model withdrawal form provided in Annex I to
Directive 2011/83/EU, but it is not mandatory.
8.3 By starting to use the paid Service during the 14-day window you expressly
request that provision begins before the period expires. In that case, if you
subsequently withdraw, the Operator is entitled to a fee proportional to the part
of the Service already provided up to the moment of withdrawal. Where the paid
Service has been fully provided during the 14-day window with your prior express
consent, the right of withdrawal ceases.
8.4 Sections 8.1–8.3 do not apply to customers acting in a business capacity, who
waive the statutory withdrawal right to the extent permitted by law.
## 9. Data ownership and data protection
9.1 All data you enter or upload remains yours. You grant the Operator a limited
licence to host, process, and display that data solely in order to provide the
Service.
9.2 The processing of personal data is described in the Privacy Policy. Where you
use the Service to process personal data of third parties (for example tenants),
the Data Processing Agreement forms an integral part of these Terms.
## 10. Disclaimer and liability
To the extent permitted by law, the Operator's aggregate liability arising out of
or in connection with the Service is limited to the fees paid by the Customer in
the twelve (12) months preceding the event giving rise to the claim.
## 11. Changes to these Terms
The Operator may update these Terms. Material changes will be communicated in-app
and require renewed acceptance before continued use.
## 12. Governing law and dispute resolution
These Terms are governed by the laws of the Operator's country of establishment,
without regard to conflict-of-laws rules. Consumers domiciled in the European
Union additionally benefit from any mandatory consumer-protection rules of their
country of residence and may use the online dispute-resolution platform at
https://ec.europa.eu/consumers/odr.