Lyamo
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Terms of Service

1. General provisions

These Terms govern the use of Lyamo, a subscription SaaS for tracking expenses, scanning receipts with AI (OCR), categorizing transactions, and using an informational AI assistant. The operator is Piotr Kulbacki, Bendastr. 11, 12051 Berlin. Full provider details are in the legal notice (Impressum).

German law applies. This choice of law does not deprive a consumer of the protection of mandatory provisions of the country of their habitual residence (Rome I Regulation). The German and Polish versions are legally relevant; the English and Spanish versions are provided for convenience.

2. Service and plans

Lyamo is a consumer (B2C) digital service. Plans, quotas, and photo retention currently include:

  • FREE: 5 AI scans and 10 AI chat messages per month; receipt images are deleted immediately after OCR.
  • PRO: 50 AI scans and 50 AI chat messages per month; receipt images are stored for 60 days.
  • PREMIUM: 120 AI scans and 250 AI chat messages per month; receipt images are stored for 365 days.

3. Subscriptions and payments

A paid contract is formed when Stripe payment succeeds. Subscriptions are billed via Stripe in PLN, EUR, GBP or USD, renew for the selected billing cycle, and may include published promotions (for example PROMO50). You can cancel at any time; cancellation stops the next renewal and takes effect at the end of the current billing cycle. Failed renewal is followed by a short dunning period, then the account is downgraded to FREE.

4. Prices and VAT

Current prices are shown in the application. The operator is a small business under § 19 UStG (Kleinunternehmer) and does not charge VAT. Displayed prices are therefore the amount payable.

The VAT identification number (USt-IdNr.) DE464708119 is published in the legal notice.

5. Right of withdrawal

As a consumer you generally have 14 days to withdraw from a distance contract. For PRO/Premium, checkout requires a separate confirmation that the digital service may start immediately. If you give that confirmation, you acknowledge that you lose the statutory right of withdrawal once performance has begun. Payment is not possible without this confirmation. You can contact us at the email in the Impressum if you wish to withdraw where the right still applies.

6. Voluntary refund (money-back)

Independently of the statutory right of withdrawal, we may offer a refund for up to 7 days after purchase if you have not used the app and have not sent any AI scans or messages.

AI features are informational and may be inaccurate. You remain responsible for verifying extracted data and for any decisions you make.

7. AI, data, and liability

Lyamo does not provide financial, tax, or legal advice.

  • You must verify OCR results and AI replies before relying on them. The service may hallucinate or misread amounts, dates, or merchants.
  • You remain responsible for the accuracy of data you enter and for how you use the service.
  • The operator is liable without limitation for intent, gross negligence, injury to life, body or health, and under the German Product Liability Act.
  • In cases of slight negligence, liability is limited to the breach of essential contractual duties (Kardinalpflichten) and to foreseeable damage typical for this type of contract, subject to mandatory consumer protection law.

8. Cancellation

You can cancel a paid subscription through the Stripe customer portal in Settings, or by emailing the operator. Cancellation takes effect at the end of the current billing period. You can delete your account and associated application data at any time in Settings.

9. Inactive accounts

The operator may delete an account if you do not sign in for 24 months. You will receive an email notice before deletion.

10. Complaints

If something goes wrong (for example a payment error or a service failure), you may file a complaint.

  • Send it to kontakt@lyamo.eu and include your account email, the date, and a short description.
  • We will review the complaint within 14 days of receipt.
  • If we accept a technical error on our side, we will restore access or process a refund as appropriate.

11. Personal data

Personal data is processed as described in the Privacy Policy.

12. Consumer dispute resolution

The operator is neither willing nor obliged to participate in dispute resolution proceedings before a consumer arbitration board. Consumers in the EU may still use the European Commission's ODR platform if it remains available.

Terms of Service | Lyamo