Terms of Service

§ 1. General Provisions and the Provider

These Terms of Service set forth the rules governing the use of the Martia application (hereinafter the "Service" or the "Application") — made available as a mobile app (iOS/Android), a web app (app.martia.ai, martia.ai), and the associated programming interface (API). The Service is a personal-finance analytics service: it helps you understand and organize the history of your own transactions. The Service is not a financial, payment, or investment service and does not constitute advice — it does not carry out operations on the User's funds and does not provide financial recommendations.

The Provider is Martia Labs spółka z ograniczoną odpowiedzialnością (limited liability company) with its registered office in Sopot at ul. Aleja Niepodległości 942, 81-861 Sopot, Poland, entered in the Register of Entrepreneurs of the National Court Register kept by the District Court Gdańsk-Północ in Gdańsk, 8th Commercial Division of the National Court Register, under KRS number 0001244962, NIP (tax ID): 5851511387, REGON: 544885885, share capital: PLN 10,000.00 (hereinafter the "Provider").

You can contact the Provider on any matter concerning the Service, including complaints and withdrawal from the contract, at the email address: support@martia.ai.

§ 2. Definitions

Terms used in these Terms of Service mean:

• User — a natural person using the Service under a contract with the Provider.
• Consumer — a User who is a consumer under applicable law, as well as a natural person entering into a contract directly related to their business activity where that contract is not of a professional character for them.
• Account — the User's individual profile in the Service, created in order to use the Application.
• Subscription — paid, renewable access to the paid features of the Service on the terms presented in the Application.
• Partner access — a built-in feature that lets a User grant another person read-only access to their data.
• User Content — data and materials the User submits to the Service (including chat messages, voice recordings, images, files, and imported data).
• Privacy Policy — the document describing how personal data is processed, available at /privacy-policy.

§ 3. Technical Requirements

Using the Service requires:

• a device running a current version of iOS or Android, or a computer with a modern, up-to-date web browser;
• an active internet connection;
• a valid email address or an account with a supported login provider (see § 4).

Using the Service does not require installing any software beyond a standard web browser or the Martia mobile app downloaded from an official store (App Store, Google Play).

§ 4. Registration, Account, and Formation of the Contract

Account registration is carried out through the Auth0 identity service — using an email address or a supported social login (e.g., an account with an external identity provider). The User is required to provide accurate and current information and to keep their login credentials secure. If unauthorized access is suspected, the User must immediately contact the Provider at support@martia.ai.

The contract for use of the Service is concluded when the Account is created and the User explicitly accepts these Terms of Service in the Application; the Application records the version of the Terms accepted by the User. The current version of these Terms is always available at the address at which this document is published. On the User's request, we provide the Terms on a durable medium, and where a Subscription is purchased, the applicable version is referenced in the purchase confirmation.

The Service may be used only by persons who are at least 18 years old and have full legal capacity. This requirement follows from the fact that the Service allows a connection to the User's bank account (§ 5). Each Account may be assigned to one natural person only.

The Service provides a Partner access feature that lets the User deliberately grant a designated person insight into their data on a read-only basis. This is a separate, intended feature of the Service and must not be confused with the prohibited sharing of Account login credentials with third parties (§ 11).

§ 5. Bank Connection

Connecting a bank account to the Service is performed through Enable Banking — a licensed account information service provider (AIS/AISP) within the meaning of payment-services law (PSD2). Martia receives data as a customer of Enable Banking and does not itself provide regulated account information services.

The bank connection is read-only. The Service has no technical ability to perform any operation on the User's account — it does not execute transfers, standing orders, or any other payment instructions.

For some accounts, part of the historical data may come from a previous provider (GoCardless). The scope and availability of bank data depend on the particular bank and the account information service provider and may differ between banks.

§ 6. Artificial Intelligence (AI)

The Service uses artificial intelligence systems to analyze finances, automatically categorize transactions, and answer the User's questions. Within the Application, the User is clearly informed that they are chatting with an AI system rather than a human.

Answers generated by the AI may contain errors or inaccuracies and must be verified by the User. They are provided for informational purposes only and do not constitute professional financial, investment, tax, or legal advice. The Service does not perform credit scoring, does not make credit decisions, and does not provide regulated investment advice.

User Content (including chat messages, voice recordings processed into a transcription, images, and imported data) is processed by AI service providers solely to perform the service requested by the User. Details of the providers and how data is processed are set out in the Privacy Policy.

§ 7. Plans and Payments

The Service is offered in a free tier and as a paid Subscription giving access to the full range of features. The current prices, currency, and billing period (monthly or yearly) are always shown in the Application before you purchase, and placing an order carries an obligation to pay.

The Subscription renews automatically for the next billing period until the User cancels it. Payments are handled by Stripe. You can cancel the Subscription at any time in your Account settings (Settings → Billing, the Stripe customer portal); cancellation takes effect at the end of the current, paid period — access is retained until then.

Price changes are announced in advance and never apply to a billing period that is already running and paid for. Continuing into a new period at a new price requires the announced consent flow — we do not apply silent price increases. For material changes, the User is asked to accept them or may terminate the contract (§ 13).

§ 8. Consumer Right of Withdrawal

A Consumer who has concluded a distance contract may withdraw from it within 14 days without giving any reason and without incurring costs, subject to the provisions below. The period runs from the day the contract is concluded (the purchase of the Subscription). To exercise the right of withdrawal, it is enough to make an unequivocal statement — for example, by email to support@martia.ai; you may use the statutory model withdrawal form for this purpose, though you are not required to. Cancelling the Subscription in the Application is also honored as an expression of the intent to end the contract.

If the Consumer expressly requested that provision of the service begin before the withdrawal period expired, they retain the right to withdraw but are obliged to pay for the services performed up to the moment of withdrawal — in proportion to the extent of the service used. The remaining part of the payment is refunded without undue delay.

§ 9. Complaints and Conformity of the Service

Complaints about the Service can be submitted to support@martia.ai. In your report, please describe the issue and provide the email address associated with your Account. The Provider reviews the complaint and responds within 14 days of receiving it, on a durable medium.

The Consumer has statutory rights regarding the conformity of the digital service (content) with the contract, arising from consumer-protection law. Where the service does not conform to the contract, the Consumer may demand that it be brought into conformity and, in the cases specified by law, a price reduction or termination of the contract, on the terms and in the order provided for by those provisions.

§ 10. Termination and Account Deletion

The User may terminate the contract at any time — by discontinuing use of the Service or by deleting the Account in the Application or at https://martia.ai/delete-account. After we receive a deletion request, we confirm it within 24 hours, promptly block the Account, cancel any active Subscription, and delete data in accordance with the Privacy Policy — without undue delay and no later than within one month. Data we are legally required to keep (e.g., accounting records) is retained for the period required by law.

The Provider may suspend or terminate an Account in the event of a material breach of these Terms, after prior notice to the User and an opportunity to respond — except in cases of flagrant abuse or unlawful conduct, where action may be taken immediately.

§ 11. Acceptable Use

The User agrees to use the Service in compliance with the law and these Terms of Service. In particular, the following is prohibited:

• disrupting the operation of the Service, attempting unauthorized access, introducing malware, and automated data harvesting (scraping);
• submitting unlawful content or material the User is not entitled to use — you may upload to the Service only documents, images, and data you are entitled to use;
• attempting to manipulate the AI system into bypassing its safeguards or accessing other people's data (so-called prompt injection).

By submitting User Content, the User grants the Provider a technical, non-exclusive license to process it solely to the extent and for the purpose necessary to provide the service. The Provider acquires no rights to User Content beyond that scope.

§ 12. Liability

The Provider is liable on the terms set out in mandatory provisions of law. Nothing in these Terms excludes or limits the Provider's liability for damage caused intentionally, or to the extent such a limitation is not permitted with respect to a Consumer.

The Provider is not liable for the financial decisions the User makes — the results presented in the Service are informational (§ 6). The availability of the Service may be affected by external factors, including outages of banks or providers (such as Enable Banking, hosting providers, or networks). We announce planned maintenance in advance where feasible. The Consumer's statutory rights regarding conformity of the service with the contract remain intact.

§ 13. Amendments to the Terms

The Provider may amend these Terms only for valid reasons, which are:

• a change in the law or in how it is applied;
• the introduction of new features or a change to existing features of the Service;
• security considerations or the prevention of abuse;
• a change of the providers used in the Service;
• a change to the structure of plans or pricing.

We notify you of any amendment in advance — by email or in the Application — at least 14 days before it takes effect. The User may terminate the contract before the effective date. Material changes, including changes to price, require the User's explicit acceptance, which is recorded in the Application. Mere silence or continued use of the Service does not by itself raise the price of a running Subscription.

§ 14. Governing Law and Dispute Resolution

Matters not addressed by these Terms are governed by the laws of Poland, subject to the mandatory provisions of the law of the Consumer's country of habitual residence. Disputes are resolved by the courts having jurisdiction under mandatory provisions of law; for a Consumer, this does not limit any statutory choice of court.

A Consumer may use out-of-court methods of handling complaints and pursuing claims, including consumer mediation or arbitration (ADR) — for example, at the regional inspectorates of the Trade Inspection (Inspekcja Handlowa) — and the assistance of district (municipal) consumer ombudsmen. The EU online dispute resolution (ODR) platform is also available. A Consumer may also contact the competent competition and consumer protection authorities (UOKiK) within the scope of their powers. Using these methods is voluntary.

§ 15. Final Provisions

The Polish version of these Terms (Regulamin) is the authoritative legal text for Consumers in Poland. This English version is provided for convenience and substantive parity; where the mandatory law of the Consumer's country of habitual residence grants them greater protection, that law prevails.

This version of the Terms (2026-07-11) replaces the previous version effective from January 1, 2025. These Terms are effective as of July 11, 2026. Questions and comments regarding these Terms may be directed to: support@martia.ai.