Terms of service

1. What Jaytrail is

Jaytrail is a personal finance tool. You bring in your bank statements, log spending and income yourself (in the app or in chat), set money aside in funds and track budgets. Jaytrail sorts and totals what you give it so you can see where your money goes.

Jaytrail only reads what you upload or tell it. It can’t pay, transfer, withdraw or hold money, and it never connects to your bank. It isn’t a bank, a wallet or a licensed financial adviser, and nothing in Jaytrail is financial, tax or legal advice.

2. Your account

To use Jaytrail you need an account with a real email address. You must be at least 18 years old.

• Keep your password to yourself. You’re responsible for what happens in your account.
• Give us accurate details, and keep your email address up to date so you get our messages.
• One person per account. Don’t sign up for someone else or share your login.
• Tell us straight away if you think someone else has got into your account.

3. What you put in

Your statements, transactions, notes and messages stay yours. You give us permission to store and process them only to run Jaytrail for you: reading statements, sorting transactions, answering in chat and showing your reports.

Only upload statements and information you’re entitled to share. Automatic sorting, including suggestions from AI, can be wrong; check what matters to you. You can change anything Jaytrail sorted.

4. Using Jaytrail fairly

Please don’t:

• use Jaytrail for anything unlawful, including fraud or laundering money;
• upload someone else’s statements without their permission;
• try to get into other people’s accounts or our systems, or test them for weaknesses without our written agreement;
• overload the service, scrape it, or get around plan limits or other technical limits;
• copy, resell or build a competing product from Jaytrail.

5. Plans and payment

The free plan has monthly limits on statement imports, AI suggestions and chat messages, shown on the Pricing page and in Settings. Jaytrail Plus removes them.

Plus is paid in advance, monthly or yearly, in naira, through Paystack. Paying by card renews automatically at the end of each period until you cancel; paying by bank transfer or USSD doesn’t renew, and we remind you before it ends. Prices are on the Pricing page and include any taxes that apply.

If a renewal fails, Plus keeps working for a short grace period while we retry. If it still can’t be paid, your account moves back to the free plan. Nothing is deleted.

You can cancel any time in Settings → Your plan → Manage Plus. Plus stays on until the end of the period you’ve paid for. Refunds are covered by our Refund policy.

If we change the price of Plus, we’ll tell you by email at least 30 days before it affects your next payment.

6. Chat with Jaytrail

You can connect Jaytrail to WhatsApp or Telegram and log money by message. Those apps are run by other companies under their own terms and privacy policies. Jaytrail only acts on chats you’ve connected, and you can disconnect at any time in Settings.

7. What’s ours

Jaytrail’s software, design, name and logo belong to us. These terms let you use Jaytrail for your own personal finances; they don’t give you any other rights in it.

If you send us ideas or feedback, we may use them to improve Jaytrail without owing you anything.

8. Changes and availability

We’re always improving Jaytrail, so features will change. We work to keep it running and your data safe, but we can’t promise it will always be available or free of errors. Keep your own copies of anything important; you can download all your data from Settings at any time.

9. Ending the agreement

You can stop using Jaytrail and delete your account at any time in Settings. Deleting it removes your data as our Privacy policy describes.

We may suspend or close an account that breaks these terms, puts other people or Jaytrail at risk, or that the law requires us to act on. Where we can, we’ll tell you why and give you a chance to sort it out first. If we close Jaytrail altogether, we’ll give you at least 30 days’ notice to export your data, and refund any unused Plus time.

10. Our responsibility to you

Jaytrail shows you a picture of your money from what you provide. Decisions you make with it are yours. We aren’t responsible for losses caused by mistakes in statements or entries, by sorting you didn’t check, or by events outside our reasonable control.

As far as the law allows, we aren’t liable for indirect or consequential losses, and our total liability to you is limited to what you paid us in the 12 months before the claim. Nothing in these terms limits liability that the law doesn’t allow us to limit, such as for fraud, or your rights under Nigerian consumer protection law.

11. Law and disputes

These terms are governed by the laws of the Federal Republic of Nigeria. If something goes wrong, please talk to us first at support@jaytrail.com; most things can be fixed quickly. If we can’t resolve it, the courts of Nigeria will decide, and you can also contact the Federal Competition and Consumer Protection Commission.

12. Changes to these terms

If we change these terms in a way that matters, we’ll email you and show a notice in the app at least 30 days before the change takes effect. If you don’t agree, you can delete your account before then. The date at the top shows when they last changed.