# 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, except for the guarantees in
Sections 10.1 and 10.2. 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. Apart
from the consumer's right of withdrawal under Section 8 and the money-back
guarantee under Section 10.3, the price for a started period is **not refunded**.
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.
5.5 A new organisation registered on the free tier gets the features of the Portfolio
Plan for thirty (30) days without payment and without entering a payment card (the
"trial"). Unless a paid Plan is ordered by the end of the trial, the organisation then
moves to the free tier; properties and bank accounts above the free tier's limits are
kept read-only and nothing is deleted. A paid Plan ordered during the trial is first
charged on the day the trial ends.
5.6 A founding-customer discount, where offered, applies to the Plan the subscription
was ordered with, for as long as that subscription lasts. Switching between monthly
and yearly billing of the same Plan keeps it; changing to another Plan ends it.
## 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 of a yearly subscription the Operator will send a reminder to the
organisation owner, unless the owner has switched it off in their email settings. 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. If you order a paid Plan during a free period, including the trial under Section 5.5,
it is first charged on the day the free period ends; the fourteen (14) day period
still runs from the day of the order.
8.2 You withdraw with the "Withdraw from contract" button in the "Plan" tab of your
organisation's settings, available throughout the 14-day period. Withdrawal ends
the subscription immediately and the Operator confirms its receipt by email.
8.3 Access to the paid features is available immediately after payment. For Plans
that include a data migration, you may expressly request when ordering, by ticking
the corresponding box, that the services including the migration start before the
14-day period expires. If you withdraw after such a request, you pay the part of
the price proportional to the days of the billing period elapsed until the
withdrawal and the rest is refunded. Without such a request the data migration
starts after the 14-day period expires and on withdrawal the full price paid is
refunded.
8.4 The Operator refunds the amount due to the original payment method without
undue delay, at the latest within fourteen (14) days of the withdrawal. After the
withdrawal the organisation is moved to the free tier. You can delete the
organisation and its data at any time in its settings (Section 7.4).
8.5 Sections 8.1–8.4 do not apply to customers acting in a business capacity,
including legal entities; Section 7 applies to their cancellation.
## 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. Guarantees, disclaimer and liability
10.1 Filing guarantee. If you submit a filing XML that the Service generated on a paid
Plan (income tax return, VAT return, VAT control statement or EU sales list) to the
Financial Administration's EPO portal before its filing deadline and the portal rejects
it for a schema error, the Operator corrects the XML and grants the next twelve (12)
months of your current Plan free of charge, added after the period already paid. You
claim it by email to the Operator's contact address shown in the footer of the Service
within fifteen (15) days of the rejection, attaching the EPO error protocol and the XML
exactly as the Service generated it. The guarantee does not cover XML modified after
download or rejections caused by incorrect data you entered, such as a wrong tax
identification number. Each organisation may claim it at most once per calendar year.
10.2 Migration guarantee. For Plans that include a data migration, the Operator compares
the first monthly rent close after the migration is completed with the spreadsheet and
bank statements you provided. If that rent close does not match them, the Operator finds
and corrects the difference free of charge, provided you report it within thirty (30)
days of that rent close. This guarantee does not cover differences caused by data that
was not part of the provided spreadsheet or statements, or by changes you made after the
migration.
10.3 Money-back guarantee. If you order a yearly billing period of a paid Plan
through the Service's checkout, you may end the subscription within sixty (60) days
of its first charge with the "Cancel and get a refund" button in the "Plan" tab of
your organisation's settings, without giving any reason. The Operator refunds the
price paid for that yearly period to the original payment method without undue delay,
at the latest within fourteen (14) days. Where the Plan includes a data migration and
the Operator has completed it before you use the guarantee, the migration's
standalone price shown on the pricing page is deducted from the refund. The guarantee
applies to the first yearly period of a subscription only, not to renewals, and each
organisation may use it once. After the refund the organisation is moved to the free
tier as described in Section 7.2. For consumers the guarantee applies in addition to
the right of withdrawal under Section 8; during the fourteen (14) day withdrawal
period, Section 8 applies.
10.4 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.