1. Who these terms are between
1.1 These terms are between Jatzo Ltd, a company registered in England and Wales, company number 17467782, registered office Portland House, Belmont Business Park, Belmont, Durham, DH1 1TW ("Jatzo", "we", "us"), and the person or organisation buying a licence ("you").
1.2 Buying a licence means agreeing to these terms. They are the whole of the agreement between us about Jatzo Invoice Guard.
1.3 Consumers. If you are buying as an individual, for purposes wholly or mainly outside a business, you are a consumer and have rights these terms cannot take away. Where anything here conflicts with those rights, your rights win. Clauses 9 and 11 say what they are.
2. What you are buying
2.1 Jatzo Invoice Guard is a program you download and install on your own computer. It is sold as a yearly licence. Each year you pay for covers every version we release in that year, and those versions keep working for as long as you choose to use them, whether or not you pay for another year.
2.2 Two tiers are sold, Personal and Pro. What each includes is what the product page said on the day you bought, and the page states the price of each including VAT where VAT applies.
2.3 Personal is one person, on up to two of their own computers. Pro is up to ten people in one business. If you need more than ten, write to us rather than buy more licences and we will agree something that fits.
Two computers for one person because a great many sole traders have a laptop and a desktop, and people rather than machines for Pro because a team thinks in people and nobody should have to count the computers they own.
2.4 Those limits are terms of this agreement rather than something the program counts. Nothing in it refuses a second installation, and we have deliberately not built that: a tool somebody relies on to check a payment should not be capable of refusing to start. Installing beyond the tier you bought is a breach of this agreement even though the program will not stop you.
2.5 You may not sell, sublicence, rent or share the licence key, or remove or work around the part of the program that checks it.
2.6 Your licence includes every version released in the year after you buy. Those versions keep working for as long as you want them. A version released after that year reads no new documents until you renew, and everything else in it goes on working. We do not promise that a version will be released after the year.
2.8 Nothing stops working because a payment lapsed. If you stop paying, the program you have goes on running, your register of suppliers stays where it is, and every check it makes goes on being made. The only thing a lapse costs you is new versions, and even those keep everything but the reading of new documents. We say this plainly because it is what makes a yearly price fair rather than a lever.
2.7 The year is counted from the day your payment cleared, and it is written into the licence key itself rather than held only here, so the program and this clause cannot come to disagree about it.
3. Price and payment
3.1 Prices are shown on the product page and are the whole of what you pay. Jatzo Ltd is not registered for VAT at the date of these terms, so no VAT is added.
3.2 The first year costs more than the years after it. Personal is £75 for the first year and then £49 a year; Pro is £149 and then £99 a year. The first payment buys the program and a year of versions; each one after it buys a year of versions for a program you already have.
3.3 It renews automatically, once a year, until you cancel. We will email you before each renewal, telling you what will be taken and when, with the link to cancel in it.
3.4 You can cancel at any time, from your account with the payment provider or from the link in any renewal email. Cancelling stops the next payment. It does not end the year you have already paid for, and it does not take away any version released while you were paying. If you come back later you pay the renewal price rather than the first year again.
3.5 Payment is taken by Stripe. We never receive your card details.
3.6 We sell to buyers in the United Kingdom only. If the billing address on your payment is elsewhere, no licence is issued and the payment is refunded in full.
4. Your licence key
4.1 When your payment clears we issue a licence key and email it to the address given at the checkout. The key is also shown on the page you are returned to after payment, so it is never only in an email.
4.2 If you lose the key, you can have every key bought with an email address sent to that address again, from the page linked in the licence email. We send keys only to the address that bought them.
4.3 Keep your key to yourself. A key that has been shared or published may be cancelled, and a cancelled key stops working in versions of the program released afterwards.
5. What the program does
5.1 Invoice Guard checks the bank details on an invoice against the details you have previously confirmed for that supplier, checks the email the invoice arrived in, and warns you before you pay an invoice that asks you to pay an account you have not paid before. It also reads invoices and bank statements into a spreadsheet or an accounting file.
5.2 Everything it reads stays on your computer. Neither the documents nor anything taken out of them is sent to Jatzo, and Jatzo cannot see what you check. What we hold about you is the record of your purchase and your licence, described in our privacy notice.
6. What it does not do, and what remains yours
6.1 It reduces the risk of paying a fraudster. It does not guarantee that a payment is safe. No check we make, and no combination of them, can tell you that an invoice is genuine.
6.2 The checks are automated and can be wrong in both directions. The program may warn you about an invoice that is perfectly genuine, and it may fail to warn you about one that is fraudulent. It can only compare what is in front of it against what it has been told before, and a fraudster who has the right information can produce an invoice that matches.
6.3 The program does not replace your own checks. Confirming a change of bank details with the supplier, on a telephone number you already held rather than one on the invoice, is still yours to do, and remains the single most effective check available to you. Nothing the program says, including a result saying it found nothing wrong, is advice to make a payment.
6.4 You remain responsible for every payment you make, for your own payment controls and approvals, and for deciding what to do about anything the program tells you.
6.5 Nothing in this clause limits what we are liable for under clause 11, and nothing in it is an attempt to exclude liability for a program that does not work as described.
7. What you need for it to work
7.1 The program runs on Windows 10 and 11. There is no version for macOS.
7.2 Reading invoices from your email needs an email account that allows access by IMAP with an app password, or a Microsoft account you sign in to where that is offered. Some email providers do not allow either. Invoices and statements you download yourself can be checked without any email account.
7.3 The free trial is the full program rather than a demonstration of it. It runs for 30 days or 20 pages, whichever comes first, counting the days from the first thing it reads, and it keeps up to 5 suppliers in the register. That is enough to find out whether it works with your email, your suppliers and your bank before you pay. We recommend using it first, and clause 10 depends on it being there.
8. If something is wrong with it
8.1 If the program does not do what the product page said it does, tell us and we will put it right, or refund you.
8.2 If you are a consumer, the Consumer Rights Act 2015 says digital content must be of satisfactory quality, fit for the purpose it was sold for, and as described. If it is not, you are entitled to a repair or replacement and, where that is not possible or not done in a reasonable time, to a refund of some or all of what you paid. These rights are in addition to anything in these terms and cannot be taken away.
9. Cancelling, and the 14 day right
9.1 If you are a consumer buying at a distance, you normally have 14 days to cancel and be refunded in full, under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.
9.2 Downloadable software is an exception. You lose that right once the download begins, but only if you have expressly asked for it to begin within the 14 days and have acknowledged that you are giving the right up. At the checkout you are asked to do both, in terms, before you pay. If you are not asked, you keep the right.
9.3 Until the download begins you may cancel for any reason by telling us, and we will refund you in full within 14 days.
9.4 Clause 9 does not affect clause 8. Giving up the right to change your mind is not giving up your right to a product that works.
9.5 The reason we ask, rather than simply refunding and cancelling the licence, is that cancelling a licence does not take the program back. The licence is checked on your own computer without contacting us, so a cancelled key goes on working in the copy you already have; it is refused only by versions we release afterwards, which you never have to install. A refund would therefore leave you with the working program and us with neither the software nor the payment. The free trial exists so that nobody has to buy in order to find out whether the tool suits them.
10. Refunds beyond your legal rights
10.1 We do not offer a money-back guarantee for a change of mind. The free trial is the whole program with a limit on how much it reads, so you can find out whether it works with your email, your suppliers and your bank statements before you pay anything at all.
10.2 The same is true of a renewal. A renewal issues a new key, that key is checked on your own computer in the same way, and it cannot be taken back once it has been sent, so a renewal is not refunded for a change of mind either. Cancel before the renewal date and nothing is taken at all, which is what clause 3.4 and the reminder in 3.3 are for.
10.3 That is a policy about changing your mind, and nothing else. If the program is faulty, not as described or not fit for its purpose, clause 8 applies, those rights cannot be taken away, and clause 9 does not touch them. We would rather refund somebody who cannot make it work than keep their money.
11. Our liability
11.1 We do not exclude or limit our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be excluded or limited by law.
11.2 If you are a consumer, we are liable for loss you suffer that is a foreseeable result of our breaking these terms or failing to use reasonable care and skill. We are not liable for loss that is not foreseeable. We do not exclude any of your rights under the Consumer Rights Act 2015.
11.3 If you are not a consumer, we are not liable for loss of profit, loss of business, business interruption, or loss of anticipated savings, and our total liability in connection with the licence, however it arises, is limited to the greater of the amount you paid for it and £50,000.
11.4 Nothing in clause 11 limits what we owe you if the program is not as described, not of satisfactory quality, or not fit for its purpose.
12. Ending the licence
12.1 The licence lasts indefinitely. We may end it only if you break clause 2.3 or clause 4.3, and only after telling you what you have done and giving you a reasonable chance to put it right, unless the breach cannot be put right.
12.2 If we end your licence wrongly, clause 8 applies.
13. Your data
13.1 What we hold about your purchase, why, and for how long, is set out in our privacy notice. In short: the program sends us nothing, and what we keep is the record of your purchase and your licence, held indefinitely because a licence that does not expire cannot be reissued or cancelled from a deleted record.
14. Complaints
14.1 If something has gone wrong, write to contact@jatzo.co.uk. Our complaints procedure says what happens next and how long each step takes.
14.2 Jatzo is not a member of an alternative dispute resolution scheme. If you are a consumer and we cannot resolve your complaint between us, you can get free, independent advice from Citizens Advice, and you keep the right to take the matter to court.
15. General
15.1 We may change these terms for licences bought in future. The terms that apply to your licence are the ones in force on the day you bought it, and we keep those.
15.2 If any part of these terms is found to be unenforceable, the rest continues to apply.
15.3 These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction. If you are a consumer living in Scotland or Northern Ireland, you may also bring proceedings in your own country's courts.
What has to change outside this document
These terms describe a checkout that does not yet ask for everything they rely on. Three things:
- ~~The checkout must take the clause 9 consent.~~ Done, 25 September 2026. A tick box of its own, unticked, refused before an order is created; the consent recorded against the order; and the licence email confirming it back on a durable medium. Seven tests hold it, including that the email claims no consent for a licence sold before the checkout asked.
- ~~The checkout must link these terms.~~ Done, 26 September 2026. The review is still owed, and clauses 6, 9 and 11 are where it should start.