Vemawise

Terms, Privacy & Refunds

Effective 7 November 2026

This instrument constitutes the entire agreement between Bridge Modern Technology (“the Company”, “we”), proprietor of Vemawise (“the Service”), and the account holder (“the User”). Registration constitutes acceptance hereof.

1. Terms of Service

  1. 1.1The Service is a personal financial-organisation tool. It records, forecasts and issues reminders; it does not initiate, hold or transmit funds.
  2. 1.2Nothing furnished by the Service, including forecasts and responses of the AI assistant (“Wema”), constitutes financial, investment, tax or legal advice. Outputs are indicative only and may be inaccurate; the User relies upon them at the User's sole discretion.
  3. 1.3The User warrants that the User is aged eighteen (18) years or above, that information supplied is accurate, and accepts responsibility for the security of the User's credentials and all activity thereunder.
  4. 1.4The User shall not compromise, probe or circumvent the Service's security, process third-party data without authority, engage in automated abuse, or use the Service unlawfully. Breach entitles the Company to suspend or terminate the account.
  5. 1.5Vemawise Pro is purchased for fixed periods at the price displayed prior to payment, denominated in Kenyan shillings (KES) and payable via the Company's payment processor. Any conversion into the User's currency is effected by the User's card issuer or mobile-money provider at its prevailing rate; estimates displayed in other currencies are indicative only. Pro does not auto-renew. A single free trial of 7 days is available per new account. The AI assistant is subject to a daily fair-use limit. Price revisions shall not affect periods already paid.
  6. 1.6The Service is provided “as is”. To the maximum extent permitted by law, the Company disclaims liability for indirect or consequential loss, missed reminders and interruptions, and its aggregate liability shall not exceed sums paid by the User in the preceding twelve (12) months. Mandatory consumer rights under the User's local law are unaffected.
  7. 1.7The User may terminate at any time by deleting the account. These terms are governed by the laws of the Republic of Kenya, without prejudice to mandatory protections and fora available under the law of the User's residence. Material amendments shall be notified in advance.

2. Privacy Policy

  1. 2.1Data collected: account particulars (name, email, country, currency, time zone); financial records the User enters or imports (accounts, balances, bills, debts, payee and account references, income, budgets, goals, transactions); push-notification endpoints; Pro payment records (plan, amount, date, reference); and daily AI-question counts. Statement files and their passwords are processed solely on the User's device and are neither transmitted nor retained. AI questions and answers are not stored. Card and mobile-money credentials are never received.
  2. 2.2Purpose: provision of the Service, reminders, AI responses, payment processing, statutory record-keeping and security. Data is not sold, used for advertising or disclosed for third-party marketing.
  3. 2.3Processors: Supabase (database and authentication, EU), Vercel (hosting), Google (sign-in, account email, and Gemini AI), Paystack (payments), and browser push services (Google, Apple, Microsoft, Mozilla). Data may accordingly be processed outside the User's country under contractual safeguards. Gemini receives the question and an aggregated financial summary, excluding phone, Paybill and account numbers; during early access the free Gemini tier is used, under which Google may utilise such content to improve its products.
  4. 2.4Retention: data is retained for the life of the account and erased in its entirety upon deletion, save for records Paystack is legally obliged to keep.
  5. 2.5Rights: irrespective of residence, the User may access, rectify, port, restrict, object to processing of and erase personal data (erasure via Settings), and lodge a complaint with the competent data protection authority, consistent with the Kenya Data Protection Act 2019, the GDPR and analogous legislation.
  6. 2.6Security and cookies: transmission is encrypted and access is restricted at database level to the data owner. Only strictly necessary session cookies are used. Breaches affecting the User shall be notified as required by law. The Service is not directed at persons under eighteen.

3. Refund Policy

  1. 3.1Any Pro payment is refundable in full upon request within seven (7) days thereof.
  2. 3.2Duplicate or erroneous charges, payments that failed to confer Pro and could not be promptly remedied, and unused time upon termination by the Company without cause, are refundable at any time.
  3. 3.3Requests shall be emailed from the account's registered address, stating the date, amount or payment reference. Refunds are remitted via Paystack to the originating card or mobile-money account, ordinarily within ten (10) working days, whereupon the corresponding Pro period is revoked. Requests evidencing abuse may be declined.

Notices and enquiries: bmtsolutionskenya@gmail.com