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 Invoice Fraud Checker.
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.
1.4 Age. You must be 18 or over to buy a licence. The checkout asks you to confirm it and takes no order without it.
2. What you are buying
2.1 Invoice Fraud Checker is a program you download and install on your own computer. It is sold as a yearly subscription. Every version we release while it is paid for is included, and it is in force until 30 days after the day it is paid until (clause 2.6).
2.2 There are three tiers, Personal, Pro 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 Who each licence covers. Personal: up to 2 devices, with up to 5 clients kept apart. Pro: up to 10 devices, with up to 15 clients kept apart. Pro+: up to 30 devices, with up to 30 clients kept apart. A client is a business whose supplier register the program keeps apart from the others. If you need more than 30 clients or 30 devices, write to us rather than buy more licences and we will agree something that fits.
How devices are counted. Each computer a licence is activated on counts as one device, so somebody who uses an office and a home computer counts twice. When a licence or a renewal key is activated, the program sends us the licence number and a random ID it made on that computer, and nothing else; removing the licence from a computer sends the same two things again, and that computer is no longer counted. A licence covers 2 devices for Personal, 10 for Pro and 30 for Pro+.
Each tier is priced by the clients it keeps apart, and its devices allow about two for each person who uses it, an office and a home computer.
2.4 The program counts devices but never refuses to work because of the count. If a licence is on more devices than it covers, the program says so; it still checks every invoice, never locks the supplier register and never blocks a payment run check, and it activates as normal if it cannot reach us. We have deliberately built it that way: a tool somebody relies on to check a payment should not be capable of refusing to start. Using a licence 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 Every version we release is included while your licence is paid for. If it is not renewed within 30 days of the day it is paid until, nothing new is collected, checked or read until you renew, and everything already in the program stays there to look at and export. The 30 days are there so that a renewal's new key can be activated without the program stopping. We do not promise that a version will be released in any given year.
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.
2.8 What a lapse leaves you. If you stop paying, nothing is deleted. Your register of suppliers, everything the program found and the register's key stay on your computer, and the program still opens so you can look at them, export them and save the key. What stops is new work: no mail is collected, no invoice or payment run is checked and nothing new is read, until you renew. We say this plainly because a yearly price is only fair if you know exactly what it pays for and what stopping costs.
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 Every year costs the same. Personal is £129 a year, Pro is £399 a year and Pro+ is £799 a year, the first year included. It is paid yearly; there is no monthly price. Each payment keeps the licence in force, with every version we release, for a year.
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: the licence lapses 30 days after the day it is paid until, as clause 2.6 says. If you come back later you pay the same yearly price.
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 Jatzo Invoice Fraud Checker compares 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, except what you choose to send to Anthropic by turning on AI extraction (5.3). 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, and the installations your licence is counted on (2.3), described in our privacy notice.
5.3 AI extraction is off until you turn it on. If you do, the text of a document the program could not read with its templates is sent to Anthropic, on your own Anthropic API key and account, with the sort code, account number and IBAN the program recognises replaced by a note first. A bank detail it does not recognise is sent as printed. What Anthropic does with it is set by your agreement with Anthropic. Jatzo does not receive it.
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 runs every check a Personal licence runs, on your own invoices, bank statements and email. It runs for 14 days or 20 pages, whichever comes first, counting the days from the first thing it reads. It keeps one client and up to 5 suppliers in the register, and exports CSV only: Google Sheets, the files for bookkeeping software and templates of your own come with a licence. That is enough to find out whether it works with your email, your suppliers and your bank before you pay. When the trial ends nothing new is read or checked, and what it found can still be looked at and exported. 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. The program is free to download for the trial, so what you buy is the licence key. You lose that right once your first licence key is issued, but only if you have expressly asked for it to be issued 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 your first licence key is issued 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 key is checked on your own computer, and nothing we send it can switch it off, so a cancelled key goes on working in the copy you already have until 30 days after the day it is paid until; it is refused sooner only by versions we release afterwards, which you never have to install. A refund would therefore leave you with the working program for the rest of the year 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 runs the same checks as a Personal licence, within the limits in 7.3, on your own email, suppliers and bank statements, so you can find out whether it works for you 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 only your licence number and a random install ID, when a licence is activated or removed, and never your documents, your suppliers or their bank details. 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, and the installations it was counted on, each deleted 90 days after it was released or two years after it was last seen.
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.