Terms of use

A. Our agreement

1. Definitions

• “Service” or “PROPERWISE”: the property management app and all its features.
• “We”: the operator of the Service.
• “You” or “User”: the natural or legal person using the Service.
• “Subscription”: paid access to a plan of the Service beyond the no-subscription plan, bought at checkout and charged at the moment of purchase.

2. When you are a “consumer” and when you are not

Greek Law 2251/1994 on consumer protection, together with the right of withdrawal and the conformity rights described below, covers only natural persons acting outside their trade or profession. An owner managing their own properties is covered.

If you use the Service in the course of a professional activity, that is, if you manage third parties’ properties or invoice related services, the contract is a business contract and the consumer protection provisions do not apply. Everything else applies in full in both cases.

3. The Service

PROPERWISE is an app for organising and managing property, for owners and small offices. It provides data entry, calculations (taxes, yields, costs), reports, provider comparison, lease management and Noa, which answers questions about your properties using artificial intelligence.

The Service evolves continuously and some features may change, be added or be withdrawn. We change something included in your subscription only for a valid reason, at no extra cost to you. If the change affects you negatively more than minimally, we inform you in good time and clearly before it takes effect, and you can terminate the contract without charge.

4. Eligibility and account

To use the Service you must be at least 18 years old and have legal capacity. You declare that the details you enter are accurate and up to date.

You are responsible for the security of your sign-in details and for every action taken from your account. Notify us immediately if you suspect unauthorised access.

5. How the contract is concluded

Article 9 of Greek Presidential Decree 131/2003 on electronic commerce requires that you know in advance exactly how you become bound. For the no-subscription “Owner” plan there are two steps: you complete the sign-up form and confirm your email address. For a subscription there are four: you complete the sign-up form and choose a plan, confirm your email address, enter a payment method at checkout and confirm the purchase. The account is activated when you confirm your email, and the subscription contract is concluded when you confirm at checkout.

Before every submission you see what you entered and can correct it, by going back or correcting the field in place; every detail of your account remains correctable after sign-up as well. The contract is concluded in Greek, is stored by us and you can read it whenever you like on this page, and every material change to it is notified to you in advance. We have not subscribed to any industry code of conduct.

B. Subscription and money

6. Subscription, prices and trial

The “Owner” plan is provided at no charge, without a subscription: one property, the tax tools, 5 document scans a month, without Noa. There are four subscriptions, with no minimum term: “Owner with Noa” for one property, with Noa and scanning with no monthly limit (€4.99 a month or €54.90 a year), “Owner+” for up to 3 properties (€9.90 a month or €99.00 a year), “Professional” for up to 15 properties with team management (€29.90 a month or €299.00 a year) and “Professional+” for unlimited properties (€79.90 a month or €799.00 a year). The prices shown apply to consumers in Greece and include the applicable VAT; for customers outside Greece, VAT follows their country. In every case, you see the amount you will be charged at checkout before you confirm, and the VAT breakdown appears on the receipt.

Every account receives a 30-day trial at no charge, once, with the features of the “Owner+” plan. The plan you chose at sign-up applies from the activation of the subscription.

You can change plans at any time from within the app. An upgrade takes effect immediately and is charged pro rata: you pay only the difference for the days left until the next renewal, with credit for what you have already paid on the previous plan. A downgrade does not refund money: you keep the plan you paid for until the end of the current period, and the new, lower price applies from the next renewal.

The trial requires no card and involves no charge. The no-subscription “Owner” plan never asks for a payment method. You can buy a subscription whenever you like: you enter a payment method at the Creem checkout and the first charge is made at the moment of purchase, for the plan and billing cycle you chose. It repeats at every renewal until you cancel. When the trial ends, if you have no subscription, your account continues on the no-subscription “Owner” plan: one property, the tax tools and 5 scans a month, without Noa. Your data stays. Properties beyond the first are not deleted, but you cannot add new ones or use the tools of the larger plans until you choose a subscription.

A payment method is requested only for a subscription, explicitly, at the Creem checkout: right after you confirm your email if you chose a subscription at sign-up, otherwise whenever you buy one from “Account”. You see the amount and the period before you pay. The charge is made at the moment of purchase and you are notified before every renewal. No charge is ever made using details you have not given yourself for that purpose.

We reserve the right to adjust prices in the future. Any change will be notified to you in advance and will apply only from the next billing period, so that you can decide freely whether to continue.

Today there is no charge beyond the plan price. If an optional feature with its own cost is added, it will be switched on only by you, will appear as a separate line before you confirm, and will be listed here with its price before it becomes available.

7. Payments and billing

Subscriptions are charged through Creem, which acts as merchant of record: it sells the subscription in its own name, issues the receipt and remits the VAT of your country.

Seller: Creem (merchant of record). It collects the payment, issues the receipt and remits the VAT. Creem buyer terms: https://www.creem.io/buyer-terms

You buy the subscription from Creem, which sells it in its own name; its own terms also apply to the payment itself. We provide the Service to you under these Terms and are responsible to you for it.

Card details are handled exclusively by Creem and never pass through our servers: payment takes place in its own environment and we receive only the confirmation.

Receipts, your payment method and the subscription itself are in subscription management, under your Account.

A subscription renews at the end of each period unless you cancel before the renewal. For annual subscriptions we send a reminder at least 30 days ahead, and for monthly ones at least 3, with the amount and the date.

8. Right of withdrawal

As a consumer you have the right to withdraw within 14 days of the conclusion of the contract, without giving a reason, under Greek Law 2251/1994 and Directive 2011/83/⁠EU.

A subscription is charged at the moment of purchase, which is also when the contract is concluded, and the withdrawal period runs from then. Withdrawing within that period costs you nothing, not even for the days you used the app. If the app does not work for you within 14 days of the first charge, write to us and the full amount is refunded through Creem, with no questions asked. The refund is made by Creem, which issued the receipt, using the same payment method and within 14 days of your notice.

The simplest way is the “Withdraw from the contract here” function on the page https://properwise.gr/ypanaxorisi (in Greek), which also appears in the footer of every page and in your Account, under Subscription. It works without signing in too. You fill in your name, your email and the contract, see the whole declaration and submit it with “Confirm withdrawal”. You immediately receive by email an acknowledgement with the content of the declaration and the date and time of submission. If you have a subscription and are signed in, its renewal is cancelled immediately.

You can also send us a clear statement at support@properwise.gr before the period expires, preferably from your account’s email address so that we can find it immediately. You can also send it directly to Creem, using the contact details on the receipt it sent you. If we receive it, we forward it to Creem, which makes the refund. No reason or special form is needed. For example: “I withdraw from the PROPERWISE subscription contract I concluded on [date], with the account [email].” The deadline is met if the statement is sent before it expires, even if we read it later.

You can also use the model withdrawal form provided by law. Complete it and send it only if you wish to withdraw from the contract:

To: Creem, seller of the subscription (contact details on its receipt), or to PROPERWISE, which forwards it: support@properwise.gr

I hereby give notice that I withdraw from my contract for the provision of the following service: PROPERWISE subscription, plan […]

Ordered on: […]
Name of consumer: […]
Address of consumer: […]
Signature of consumer (only if this form is notified on paper): […]
Date: […]

9. Cancellation and refunds

You can cancel your subscription at any time from within the app, under subscription management in your Account, without needing to contact us. Cancellation applies from the next billing period and you keep access until the end of the period you have already paid for.

Beyond the rights the law gives you (e.g. in case of defective performance) and the 14-day guarantee from the first charge described above, paid periods are not refunded pro rata. If you run into a problem, contact us and we will deal with it in good faith.

C. Programs and benefits

10. Invitation and partner program

The Service offers an invitation program: you share your personal link and, when a new owner starts and activates their account (adds a property and scans a document), you earn one extra property for one month, whatever plan you have. If the new user becomes a “Professional” subscriber, you earn instead one month of “Owner+”. The new user starts with the 30-day trial, like every new account; the link gives them no additional benefit.

Monthly targets. What counts is the accounts you invited that were activated within the same calendar month. As an individual, if 3 individuals are activated within the month, you earn an extra one month of “Owner+”. As a professional, if 5 accounts with a subscription to any plan are activated within the month, you earn one month of “Professional”. The target reward is credited when you claim it from the program screen.

Partner status. If, as a professional, you reach the target of 5 subscribers for 3 consecutive completed months, you obtain partner status. On obtaining it you earn one month of “Professional” if you have “Owner with Noa” or “Owner+”, otherwise one month of “Professional+”. After that, every month in which you reach the target gives you one month of subscription without charge. Partners also have priority in the release order of new features, as described in the next section.

Rewards are product value, meaning subscription months without charge and extra property slots. They are credited to your account and cannot be exchanged for cash.

The program is intended for genuine referrals. Abusive use (self-referrals, fake or duplicate accounts, mass unsolicited promotion) is prohibited. We reserve the right to cancel rewards obtained abusively and to amend or terminate the program, with prior notice of material changes.

11. Priority for new features

Subscribers to “Owner+”, “Professional” and “Professional+” have priority in the release order: every new feature or improvement is added to these plans first, with “Professional+” first of all. The mobile app has not been released yet; when it is (App Store and Google Play), these plans will get access 15 days earlier than the others. Priority concerns the order of release, not different service content. Bug fixes, security updates and those needed for the Service to remain in conformity with the contract are released to all plans at the same time.

12. Support

For any question or problem, write to support@properwise.gr. On the “Professional+” plan, “Priority email support” means that your messages to this address are answered before the others. We do not commit to a specific response time; for complaints, the deadline in the section “Complaints and out-of-court resolution” applies.

13. Feedback prize draw

For as long as the app announces it, the Service may ask for your opinion once a month and enter you in a prize draw for one year of “Professional” subscription. The draw may be stopped with prior notice within the app; entries already made count normally in the draw for their month. Taking part is optional and costs nothing: no purchase is required and not taking part does not affect your account in any way.

Every holder of an active account aged over 18 may take part, with one entry per account per month. The draw takes place at the end of each calendar month: the winner is chosen at random from all the month’s entries and is notified by email at their account address. If they do not reply within 14 days, the prize is drawn again. The value of the prize is €299.00, equal to the annual “Professional” subscription.

The prize is product value, is credited to the winner’s account and cannot be exchanged for cash or transferred. Your answers are used to improve the Service; they are not published under your name without your explicit consent. Winners’ names are not published either; any participant may ask for confirmation that the draw took place at support@properwise.gr. We reserve the right to exclude entries from fake or duplicate accounts and to amend or terminate the draw, with prior notice.

D. What is allowed and who owns what

14. Acceptable use

You agree not to use the Service to:

• breach laws or the rights of third parties, or enter their data without a legal basis,
• attempt unauthorised access, overloading or interference with the security of the systems,
• send requests for access to a file to people with whom you have no professional relationship, or to obtain information by deception,
• copy, resell or exploit the Service beyond its intended use.

Inviting clients by email (a request for access to their file) is available from the “Professional” plan (up to 50 a day) and during the trial (up to 10 a day and 25 in total). The message is sent with your account’s confirmed address as sender; abuse is a material breach (see “Suspension and termination”).

15. Your content and licence

The data and files you enter remain yours. You grant us a limited, non-exclusive licence to store and process them solely so that the Service works for you. You can export or delete them at any time.

16. Processing agreement for third-party data

When you enter details of third parties, such as a tenant’s name, tax number (AFM) or lease, you are the controller and we are the processor under Article 28 of Regulation (EU) 2016/679. This section is the processing agreement between us.

Its subject matter is storing and processing these details solely so that the Service works for you (lease records, instalments, documents, declarations). Its duration is for as long as you keep an account and the details have not been deleted. The categories of data subjects are your tenants and partners; the categories of data are the identity, contact and lease details you enter.

Acceptance is requested within the app before the first time such details are saved, and is recorded with version and date. Without acceptance the details are not saved. As processor we undertake to:

• process the details only on your documented instructions, that is, those you give by using the Service;
• bind anyone with access to them to confidentiality;
• take the security measures of Article 32, such as encryption in transit and access control per account;
• use sub-processors only as listed on the “About us” page, and inform you before adding a new one;
• help you respond to data subjects’ requests, with export and deletion from within the app;
• assist you with the obligations of Articles 32 to 36 and inform you without undue delay of a personal data breach;
• delete the details when you delete them or close your account, except those the law requires to be kept;
• provide you with all information needed to demonstrate compliance with this agreement, and allow audits within a reasonable time.

17. Intellectual property

The Service, its design, code, trademarks and our content belong to us and are protected by intellectual property law. You acquire no right in them beyond the right to use the Service under these Terms.

18. Third-party services

The Service relies on third-party providers: Supabase, Vercel, Resend, Anthropic, GitHub, Google, Sentry, Creem and Browser notifications (Google / Apple / Mozilla / Microsoft). Planned but processing no data today: Mobile messaging (Viber / WhatsApp / Apple Messages). What each one does and where is on the “About us” page. Their use is also governed by their own terms. We are not liable for actions or interruptions by third parties beyond our control.

E. What we guarantee and our liability

19. Artificial intelligence, not professional advice

Calculations (taxes, yields, costs) and the answers to your questions to Noa are supportive and indicative. They do not constitute tax, legal, accounting, insurance or investment advice. For binding decisions, always consult the appropriate professional (accountant, lawyer, notary, insurance or investment adviser) or the competent authority.

The no-subscription plan does not include questions to Noa and has a monthly limit on document scans; on subscriptions, scanning has no monthly limit, apart from a per-minute limit against automated abuse. During the trial and in months without charge (months from the invitation program, partner status), scanning is limited to 30 documents a month. Each subscription includes a set number of questions to Noa per day and per month. The limit is in line with the subscription and is shown in the plan comparison within the app; accounts on trial, and those with a temporarily higher level without charge (months from the invitation program, partner status), have a lower limit. When it runs out, questions renew in the next cycle and all other features continue normally. We reserve the right to adjust the limits if the provider’s cost changes significantly, with prior notice.

20. Availability and maintenance

We make every reasonable effort to ensure high availability. There may be scheduled or unscheduled interruptions for maintenance or technical reasons; we announce scheduled ones in advance within the app where feasible.

21. Conformity of the Service and your remedies

Greek Law 4967/2022, which transposed Directive (EU) 2019/770 on contracts for the supply of digital content and digital services, sets out what we owe and what you are entitled to. We do not rely on an “as is” clause.

We must provide a Service that matches its description, is fit for the purposes for which similar services are used, comes with the instructions and support you can reasonably expect, and is kept up to date so that it does not lose conformity for as long as your subscription lasts. These updates are part of the subscription and are not charged separately.

If the Service is not in conformity, you first ask us to bring it into conformity, at no cost to you and within a reasonable time. If we do not, if that is impossible or if the lack of conformity recurs, you are entitled to a proportionate price reduction for the period in which the Service did not work properly, or to terminate the contract with a refund of the corresponding amount. In a serious lack of conformity you may terminate directly. On termination we return your data in a readable format, as the law requires and as you can already do yourself with one button.

These guarantees concern the functioning of the Service. We do not guarantee the tax or financial outcome of your decisions, nor the content of calculations as advice: the section “Artificial intelligence, not professional advice” explains this.

22. Limitation of liability

We are liable for damage caused by our own fault, in accordance with the law. We keep a daily backup and, if data is lost through a fault of ours, we restore it from the latest one.

If you use the Service as a professional, we are not liable for indirect or consequential loss or for loss of profit, except in cases of intent or gross negligence.

Nothing in these Terms limits your mandatory rights as a consumer.

23. Indemnity

If you use the Service as a professional, you agree to indemnify us against third-party claims arising from unlawful or contract-breaching use of it, in particular from entering their data without a legal basis.

24. Transfer of the Service

In the future the Service may, in whole or in part, be transferred to another company, through acquisition, merger, demerger or sale of assets. In that case your contract, your subscription and your data pass to the successor, which is bound by these Terms and by the Privacy Policy as in force at the time of the transfer.

We will inform you in good time and in any case before the transfer takes effect in respect of your data, within the app and by message to your address. If you do not wish to continue with the successor, you can terminate the subscription and download all your data with one button, as you can today; any prepaid and unearned amount is refunded pro rata.

You may not assign your contract or your account to a third party without our consent. The account is personal and is linked to the property data and third-party data you have entered.

25. Force majeure

We are not liable for failure to perform obligations due to events beyond our reasonable control (e.g. network outages, failures of third-party providers, natural disasters).

F. If something goes wrong

26. Complaints and out-of-court resolution

Before any other step, write to us at support@properwise.gr. We reply to every complaint without delay and within fourteen (14) days at the latest, with a reasoned position: what we found, what we propose and by when.

If we do not agree, as a consumer you can turn to the Hellenic Consumer Ombudsman (synigoroskatanaloti.gr), an independent authority that mediates at no cost to you. For a cross-border dispute, the European Consumer Centre Greece (eccgreece.gr) does the same.

The European Online Dispute Resolution (ODR) platform, to which most websites used to refer, ceased operating on 20 July 2025 under Regulation (EU) 2024/3228.

27. Suspension and termination

We may suspend or terminate your account in the event of a material breach of the Terms, with prior notice where feasible. You may also delete your account at any time.

Deleting your account also cancels your subscription: no further charge is made. The period you have already paid for is not refunded pro rata, beyond what the law provides and the 14-day guarantee from the first charge.

28. Changes to the Terms

We may update the Terms. For material changes we notify you before they take effect and tell you what changes. If you do not agree, you terminate the contract at no cost, download your data and receive a refund of the corresponding amount for the period you did not use.

29. Governing law and jurisdiction

These Terms are governed by Greek law. The courts of Greece have jurisdiction over any dispute. As a consumer you keep the right to bring proceedings in the courts of your place of residence as well, where the law provides for it.

30. Other provisions

If any provision is held invalid, the rest remain in force. You may not assign your rights without our consent. These Terms, together with the Privacy Policy, constitute the entire agreement between us.