Terms of Use

1. Introduction: Welcome to Paia, your AI-powered personal assistant for managing finances via WhatsApp. By using Paia, you accept these terms. If you do not agree, please do not use our services.

2. Use of Service: Paia helps you manage your finances. Our service interfaces with Google's APIs and adheres to the Google API Services User Data Policy, including Google's Limited Use Requirements.

3. Google API Services: By using our service, which integrates Google API capabilities, you acknowledge and agree to Google’s API Services User Data Policy in addition to our Terms of Use. Details on the specific Google policies that apply can be found here.

4. Disclaimer: The financial insights provided by Paia are for informational purposes only and should not replace professional advice.

5. Changes to Our Terms: We reserve the right to modify these terms and will notify you of any changes. Continued use of Paia after such changes constitutes your consent to the new terms.

6. Termination of Use: If you wish to terminate your use of Paia, please contact us. We may terminate your access for breaches of these terms.

7. Governing Law: These terms are governed by the laws of South Africa and relevant international laws.

8. Effective Date: These terms are effective as of 2024/04/19.

9. Refunds: Refunds are evaluated on a case-by-case basis. If you are not satisfied with our service, please contact us within 30 days of your purchase to request a refund. We reserve the right to deny refund requests if we determine that the request does not meet our criteria.

10. Messaging Costs: Messaging costs may vary based on market rates from our provider services.

11. Contact Us: For any concerns or questions about these terms or your services, please reach out to us at info@paia.chat.