Terms of Service
Last updated: August 2026
Seller
The Dispola service is provided by Mourad LACHHAB, sole trader (auto-entrepreneur) operating under the Dispola brand, France, referred to as "Dispola" or "we". By creating an account or subscribing, you enter into a contract with Mourad LACHHAB. Contact: contact@dispola.app.
Purpose
These terms govern the use of Dispola, a personal money companion. Dispola helps you know how much money you truly have available at any given moment, based on the payments you record yourself. Dispola is not a bank, does not connect to your bank accounts, and does not provide financial, investment, legal, tax or accounting advice.
Acceptance
By creating an account or continuing to use Dispola, you accept these terms in full. If you do not accept them, please do not use the service. You confirm that you are of legal age or otherwise authorised to subscribe.
Licence
We grant you a limited, personal, non-exclusive, non-transferable right to use the service within the plan you selected (free or Premium).
Access to the service
Dispola is offered on a best-effort basis. The service may occasionally be interrupted for maintenance, updates or reasons beyond our control. We do not guarantee uninterrupted or error-free performance.
User account
You are responsible for the confidentiality of your credentials and for all activity carried out from your account. You agree to provide accurate information and keep it up to date. You may delete your account at any time from the settings: deletion is immediate and irreversible.
Acceptable use
You agree to use Dispola for lawful, strictly personal purposes. The following are prohibited: unlawful or fraudulent use, spam, infringement of third-party intellectual property, any interference with the security of the service (malware, probing, circumventing technical limits, automated scraping), reverse engineering, resale or redistribution of the service.
Intellectual property
Dispola, its name, logo, interface, code, documentation and content remain the exclusive property of Mourad LACHHAB. These terms grant you no right over these elements beyond personal use of the service.
User content
The data you enter (payments, categories, notes) belongs to you. You grant Dispola the strictly technical rights required to store, display and process it so the service can work and sync across your own devices. You can erase it at any time by deleting your account.
Premium subscription and payments
Dispola offers a free version and a paid Premium subscription, billed monthly or yearly and renewed automatically. Prices and features are listed on the Premium page. Payments are processed by our provider Stripe; Dispola remains the seller. You can cancel at any time; Premium access continues until the end of the period already paid for. Prices include all taxes. VAT not applicable, art. 293 B of the French General Tax Code.
Seller and customer service
The seller of the subscriptions is Mourad LACHHAB (Dispola brand). Payment processing is provided by Stripe. Any request about a purchase, invoice or refund is handled directly by Dispola: contact@dispola.app.
Withdrawal and refunds
Premium is free for one month on new accounts: you try it before paying anything. When subscribing, you expressly request immediate access to the service and acknowledge that you lose your 14-day right of withdrawal as soon as it is activated, in accordance with articles L221-25 and L221-28 13° of the French Consumer Code; this acceptance is collected through a checkbox and stored. You may cancel at any time, with access kept until the end of the paid period. Refund cases (billing error, double charge, technical failure) are detailed on our Refund Policy page. Any refund request made within 14 days of your first payment is refunded pro rata for the unused period.
Warranties
To the fullest extent permitted by law, the service is provided "as is". We disclaim implied warranties of merchantability and fitness for a particular purpose, without prejudice to statutory consumer rights.
Limitation of liability
Dispola is a decision-support tool based on the data you enter. It is not a substitute for your bank statements or professional advice. To the fullest extent permitted by law, we exclude liability for indirect damages, loss of data, loss of profits or financial decisions taken on the basis of displayed information. Fraud, personal injury and death are not excluded.
Suspension and termination
We may suspend or terminate your access in case of material breach of these terms, non-payment, fraud or security risk, or repeated violations. On termination, you may request an export of your data before deletion.
Changes to these terms
These terms may be updated to reflect changes to the service or the legal framework. The version in force is always available on this page with its update date.
Governing law and disputes
These terms are governed by French law. French courts have jurisdiction, subject to mandatory consumer protection rules.
Contact
For any question about these terms: contact@dispola.app