Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the Brixa personal finance application and related services (the “Service”), operated by ZATECH sp. z o.o.. By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. The Service

The Service helps you aggregate, categorize, and review your personal financial transactions from connected bank accounts and imported statements. Transaction connectivity is provided through Enable Banking (enablebanking.com), a licensed open-banking provider regulated under PSD2, in Europe, and through Plaid (plaid.com) in the United States and Canada. When you connect a bank through Plaid, you also agree to Plaid's End User Privacy Policy. Automated categorization may use third-party AI processing. The Service is provided for personal information and budgeting purposes only.

2. Eligibility & Accounts

You must be at least 18 years old and capable of forming a binding contract to use the Service. You are responsible for the accuracy of the information you provide, for maintaining the confidentiality of your credentials, and for all activity that occurs under your account. Notify us promptly of any unauthorized use.

3. Bank Connections

When you connect a bank account, you authorize our open-banking provider to access account and transaction information on your behalf, in accordance with the consent you grant during the connection flow. You may revoke consent at any time through the Service or your bank. We do not store your bank login credentials.

4. Not Financial Advice

The Service provides informational tools and summaries. It does not provide financial, investment, tax, or legal advice, and nothing in the Service should be relied upon as such. Categorizations and figures may be incomplete or inaccurate; you are responsible for verifying information before relying on it.

5. Acceptable Use

You agree not to misuse the Service, including by attempting to access data that is not yours, interfering with the Service’s operation, reverse engineering it, or using it to violate any applicable law.

6. Third-Party Services

The Service relies on third parties including open-banking, AI categorization, advertising measurement, hosting, and database providers. Your use of the Service is also subject to those providers’ terms. We are not responsible for the availability or actions of third-party services.

We advertise Brixa on Meta’s platforms. If, and only if, you allow tracking when iOS asks, we tell Meta that an install, a registration or a purchase happened so we can tell which advertisements are worth paying for. Your transactions, balances and bank credentials are never part of that and are never used for advertising. You can withdraw this at any time in iOS Settings, under Privacy & Security, Tracking. See the Privacy Policy for exactly what is sent.

7. Subscriptions & Auto-Renewal

Some features require a paid subscription (“Brixa Pro”), offered as an auto-renewable subscription. When you subscribe on an Apple device, your purchase is billed through your Apple ID and managed by the App Store, not by Brixa directly.

• Plans & pricing. Brixa Pro is available in different billing periods (for example weekly, monthly, and annual). The exact price and billing period are shown at the point of purchase and may vary by region and currency.
• Automatic renewal. Your subscription renews automatically at the end of each billing period unless auto-renew is turned off at least 24 hours before the current period ends. Your Apple ID account is charged for the renewal within 24 hours prior to the end of the current period, at the price for your selected plan.
• Free trial. If a free trial is offered and you purchase a subscription, any unused portion of the trial is forfeited at the time of purchase.
• Managing & cancelling. You can manage your subscription and turn off auto-renew at any time in your device’s App Store account settings (on iOS: Settings → Apple ID → Subscriptions). Cancelling stops future renewals; access continues until the end of the current paid period.
• Refunds. Purchases made through the App Store are subject to Apple’s refund policy. Refund requests are handled by Apple, not by Brixa.

Subscribing on our website. If you subscribe on usebrixa.com instead, you are billed by Brixa through our payment provider (RevenueCat Web Billing, with payments processed by Stripe). The price, the billing period and any free trial are shown before you pay. The subscription renews automatically at the end of each period at the price shown, until you cancel. You can cancel online at any time from the link in your receipt email, with no need to contact us; cancelling stops future renewals and access continues until the end of the period you paid for. If a free trial applies, you are not charged if you cancel before it ends.

30-day money-back guarantee. If you subscribed on usebrixa.com and Brixa is not for you, email andrew@usebrixa.com within 30 days of your first payment and we will refund that payment in full. The guarantee covers purchases made on usebrixa.com; purchases made through the App Store follow Apple’s refund policy, as above. The details are in our refund policy.

Your use of Brixa Pro is also subject to our Privacy Policy.

8. Disclaimers & Limitation of Liability

The Service is provided “as is” without warranties of any kind. To the maximum extent permitted by law, Brixa shall not be liable for any indirect, incidental, or consequential damages, or for any loss arising from your reliance on information presented in the Service.

Governing Law

These Terms are governed by the laws of Poland, where Brixa is established. This does not take away the protection of the mandatory consumer laws of the country, state or province where you live, which continue to apply to you, and you may bring a claim in the courts where you live where those laws allow it.

9. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate access if you violate these Terms or to protect the Service and its users.

10. Changes

We may update these Terms from time to time. Material changes will be communicated through the Service. Continued use after changes take effect constitutes acceptance.

11. Contact

Questions about these Terms? Contact Brixa at andrew@usebrixa.com.