These Terms of Service ("Terms") are a legally binding agreement between you and Pezana Group Inc. governing your use of the Pezana App. By downloading, installing, or using the App, you agree to these Terms. If you do not agree, do not use the App.
These Terms are governed by the laws of Ethiopia, including the Commercial Code, Consumer Protection Proclamation No. 685/2010, Electronic Transactions Proclamation No. 1148/2019, and Computer Crime Proclamation No. 958/2016.
Pezana is a personal finance management app that allows you to:
Important Disclaimer: Pezana is a personal finance tracking tool only. The App does not provide financial advice, banking services, or payment processing. Pezana is not a licensed financial institution regulated by the National Bank of Ethiopia. All financial decisions are made at your own discretion and risk.
You are solely responsible for all activity under your account. Pezana is not liable for losses from your failure to protect your credentials.
You must not:
All content, features, and functionality — including the Pezana name, logo, software, design, and graphics — are the exclusive property of Pezana Group Inc., protected by Ethiopian and international intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable licence to use the App for personal, non-commercial purposes only.
All financial data you enter belongs to you. By using the App, you grant Pezana a limited licence to store and process this data solely to provide the App's services, as described in our Privacy Policy.
You are solely responsible for the accuracy of data you enter. Pezana does not verify any financial information you provide.
Core features are currently free of charge. We reserve the right to introduce paid tiers in the future with prior notice.
Optional premium features may be offered at a subscription fee. All in-app purchases are processed via Google Play or the Apple App Store and are subject to the respective store's payment terms.
Nothing in the App constitutes financial, investment, tax, accounting, or legal advice. Pezana is a self-directed personal expense tracking tool only. Any figures, insights, nudges, categorizations, charts, or suggestions shown in the App are for informational purposes only and must not be relied upon as the basis for any financial decision. You are solely responsible for all decisions you make and for verifying any information before acting on it. Consult a qualified professional before making any financial decision.
THE APP AND ALL CONTENT, DATA, FEATURES, AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, PEZANA GROUP INC., ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, AND SUPPLIERS (COLLECTIVELY, THE "PEZANA PARTIES") DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, QUIET ENJOYMENT, UNINTERRUPTED USE, OR FREEDOM FROM ERRORS, BUGS, OR SECURITY VULNERABILITIES. We make no warranty that the App will meet your requirements, operate without interruption, be timely, secure, accurate, complete, or free from loss, corruption, or unauthorised access, or that defects will be corrected.
We do not guarantee the App, any feature, or any data will be available at any time. We may modify, suspend, limit, or discontinue all or any part of the App at any time, with or without notice, and without liability to you. You are responsible for maintaining your own backups of any information you enter into the App.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE PEZANA PARTIES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR ENHANCED DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, REVENUE, SAVINGS, GOODWILL, BUSINESS OPPORTUNITY, DATA, FINANCIAL LOSS, OVERDRAFTS, MISSED PAYMENTS, TAX PENALTIES, INVESTMENT LOSSES, BUDGETING ERRORS, PERSONAL INJURY, EMOTIONAL DISTRESS, OR ANY OTHER LOSS OR DAMAGE, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE PEZANA PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF — OR INABILITY TO USE — THE APP, ANY DATA OR CONTENT, OR THESE TERMS.
IF, NOTWITHSTANDING THE ABOVE, ANY OF THE PEZANA PARTIES ARE FOUND LIABLE TO YOU FOR ANY REASON, THEIR AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE APP OR THESE TERMS IS LIMITED TO THE GREATER OF (A) THE TOTAL AMOUNT YOU ACTUALLY PAID TO PEZANA IN THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ETB 100 (ONE HUNDRED ETHIOPIAN BIRR). YOU AGREE THAT THIS CAP IS A FUNDAMENTAL BASIS OF THE BARGAIN BETWEEN YOU AND PEZANA AND WOULD NOT BE OFFERED ON AN ECONOMIC BASIS WITHOUT SUCH LIMITATIONS.
You acknowledge and agree that your use of the App is at your sole risk. You are solely responsible for any financial, legal, tax, or other consequences that result from your use of the App or any action you take based on information displayed in it. You agree that the Pezana Parties are not responsible for any transactions, budgets, plans, or decisions you make.
You acknowledge that the disclaimers and limitations in this Section 9 reflect a reasonable and fair allocation of risk between you and Pezana, are an essential basis of the agreement between us, and shall apply even if any limited remedy is found to have failed of its essential purpose. If any portion of this Section 9 is found unenforceable, the remaining portions shall remain in full force and effect, and the unenforceable portion shall be modified only to the minimum extent necessary to make it enforceable.
To the maximum extent permitted by law, you agree to defend, indemnify, and hold harmless the Pezana Parties (Pezana Group Inc. and its affiliates, officers, directors, employees, contractors, agents, licensors, and suppliers) from and against any and all claims, demands, actions, investigations, losses, liabilities, damages, judgments, settlements, costs, and expenses (including reasonable legal fees) arising out of or relating to: (a) your use of, or inability to use, the App; (b) any financial, tax, legal, budgeting, or personal decision you make in reliance on the App; (c) your violation of these Terms; (d) your violation of any applicable law, regulation, or third-party right (including privacy, publicity, contractual, or intellectual property rights); (e) any content or data you submit, enter, or transmit through the App; or (f) any dispute between you and any third party. Pezana reserves the right, at your expense, to assume the exclusive defence and control of any matter subject to indemnification by you, in which case you agree to cooperate with Pezana's defence.
Your use of the App is also governed by our Privacy Policy, incorporated into these Terms by reference.
Delete the App and email info@pezana.co to request account deletion. Data will be removed per our Privacy Policy.
We may suspend or terminate your account if you violate these Terms, engage in fraudulent activity, or as required by Ethiopian law.
We will notify you of material changes via our website and in-app notification at least 14 days before they take effect. Continued use after the effective date constitutes acceptance.
These Terms are governed by the laws of the Federal Democratic Republic of Ethiopia. Disputes will first be subject to good-faith negotiation. If unresolved within 30 days, they will be submitted to the competent courts of Addis Ababa, Ethiopia.
If any provision is unenforceable, it will be severed without affecting the remaining provisions. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Pezana.
Pezana Group Inc.
Email: info@pezana.co · Website: pezana.co