Terms of Service

§ 1. General Provisions

These Terms of Service set forth the rules governing the use of the Martia web application (hereinafter referred to as the "Application"), made available by Martia (hereinafter referred to as the "Provider") at martia.ai.

Use of the Application is voluntary and constitutes acceptance of these Terms of Service. If you do not accept these terms, please discontinue use of the Application.

The Application is available free of charge during the beta phase. The Provider reserves the right to introduce paid plans in the future, with appropriate prior notice to users.

§ 2. Registration and Account

Access to the full features of the Application requires the creation of an account. Registration is conducted through Auth0 using an email address or a Google account. The User is required to provide accurate information.

The User is responsible for the security of their account and password. In the event of unauthorized access, the User must immediately contact the Provider at hello@martia.ai.

Each account may be assigned to one natural person only. Sharing accounts with third parties is prohibited.

§ 3. Scope of Service

The Application enables the connection of Polish bank accounts through the GoCardless API (Open Banking / PSD2), viewing transaction history, spending analysis, and personal budget planning.

The bank connection is read-only. The Application does not have the ability to execute financial operations, such as transfers or standing orders, on the User's account.

The Provider shall make every reasonable effort to ensure uninterrupted operation of the Application; however, 100% availability is not guaranteed. Planned maintenance windows will be communicated to users in advance.

§ 4. User Obligations

The User agrees to use the Application in compliance with applicable Polish and European law and with due respect for the rights of third parties.

Any actions that may disrupt the operation of the Application are prohibited, including attempts to gain unauthorized access to the Provider's systems or the data of other users.

§ 5. Data and Privacy

The processing of personal data is governed by the separate Privacy Policy available at /privacy-policy. The Provider processes user data in accordance with the General Data Protection Regulation (GDPR, Regulation 2016/679).

Transaction data is stored solely for the purpose of providing the service and is neither sold nor disclosed to third parties for commercial purposes.

§ 6. Liability

The Provider shall not be liable for financial decisions made on the basis of data presented in the Application. The data is provided for informational purposes only and does not constitute financial advice.

The Provider shall not be liable for damages resulting from interruptions in the operation of the Application caused by external factors, including failures of GoCardless infrastructure, hosting providers, or network outages.

§ 7. Cancellation and Account Deletion

The User may discontinue use of the Application at any time and request the deletion of their account and all associated data by contacting hello@martia.ai. Such requests will be fulfilled within 24 hours.

§ 8. Amendments to the Terms

The Provider reserves the right to amend these Terms of Service. Users will be notified of any changes at least 14 days in advance by email. Continued use of the Application after the changes take effect constitutes acceptance thereof.

§ 9. Final Provisions

Matters not addressed by these Terms of Service shall be governed by the laws of Poland. Any disputes shall be resolved by the court having jurisdiction over the Provider's registered office.

Questions and comments regarding these Terms of Service may be directed to: hello@martia.ai.