The terms for the Techmerion account.

Version 2026-10-19-final, 19 October 2026.

The service is provided by TECHMERION Ε.Ε. (“Techmerion”, “we”), registered at Πινδάρου 10, 15126 Μαρούσι, VAT number (ΑΦΜ) 803296625, General Commercial Registry (ΓΕΜΗ) number 194033803000.

Contact: in writing at [email protected] or, if you have an account, from the “Support” page. We reply in Greek or English.

These terms are the agreement between you and Techmerion for the use of the Techmerion account and its tools. You accept them when you create an account and again before each purchase. We record which version you accepted and when.

The plan information you see before payment (price, duration, number of searches) forms part of the agreement. The Privacy Policy explains how we handle your personal data; it is information for you, not a term of the agreement.

You can save or print this page. We keep every version of the terms and, if you ask us, we will send you the version you accepted. In these terms:

• “Consumer” means a natural person who buys for purposes outside their trade, business, craft or profession.
• “Business” means anyone who buys for their professional activity. When you choose to buy as a business and give invoice details, you declare that you are buying for that activity and that you may bind the business.
• “Search” means a search of the catalogue that counts as described in the section “How searches are counted”.
• “Access period” means the length of time you buy with the annual plan.

The Techmerion account gives access to Techmerion digital tools that you use from third-party AI apps such as ChatGPT. On the app.techmerion.gr website you manage your account, access, usage and connections.

The first tool is the Techmerion Χρηματοδοτήσεις app: search over a catalogue of funding programmes (grants, loans, guarantees, tax incentives and others) that we compile from official sources, with a label showing whether a member of our team has checked each programme. The catalogue mainly covers programmes for businesses in Greece: Greek programmes, and European or international programmes that accept applications from Greece. The service is also open to non-profit organisations and private persons; the catalogue also holds programmes for them, but not all of them.

The app offers four functions: searching for programmes, the details of a programme with its conditions as the call states them, reading a programme's official documents, and your access status.

Programme details are of three kinds. Programmes we checked say “We checked it against the official call”, with the date on which a member of our team compared them with the official call. Programmes with few details say “Few details, not checked”. The rest, most programmes, are Techmerion's summaries of the official texts, without a person checking each programme; the answer says this once and reminds you to confirm the details in the official call before applying. When time has passed since the last check, a checked programme is marked as due for a new check and, later, no longer says “We checked it” and is shown like the Techmerion summaries.

The status of each programme (open, upcoming, closed or unknown) is worked out at the time of the question from the dates we have recorded or from the last check on the official page, and may differ from the actual status. Results are ordered first by how well they match the words of the question, then by status (open first) and deadline; the order is not a recommendation or a ranking of suitability.

Techmerion also provides advisory services. This service is separate: using it does not make you a client of our advisory, accounting or tax services, which require a separate agreement.

• The service provides information. It is not financial, tax, accounting or legal advice.
• It does not decide whether you or your business are eligible for any programme. Only the body that runs each programme decides eligibility, amounts and deadlines.
• It does not predict or promise approval, and it does not submit applications on your behalf.
• The catalogue does not cover every programme and may contain errors or details that have changed. Only programmes marked “We checked it” have been checked one by one by a person.
• We provide the catalogue and the tools as they are and as available. We do not claim or guarantee that they are complete, accurate, up to date or fit for your own purpose, subject to the section “If the service does not work as described” and to the law.
• Calls are amended, extended or closed early, and this can happen after our last check.
• We draft the programme summaries from the official texts with the help of AI tools. Programmes a member of our team has checked say “We checked it against the official call”, with the date.
• The app shows each programme's conditions as Techmerion summarised them from the call. Our tools do not compare your business's facts or your own with them and do not judge whether you are eligible. If you give your facts to the AI app, it may help you read the conditions with them; that reading is the AI app's own, not an eligibility decision and not a statement by Techmerion. The summaries may not hold every condition or exception of the call, the scoring of applications, or whether budget is still available.
• If our details differ from the official call or from a notice of the responsible body, the official source prevails.
• You decide whether to apply, and you are responsible for the deadlines, documents and conditions of each programme.
• Before acting, check the official call or source and, if needed, consult a professional.

• The account is created, and you sign in, with a Google account.
• You must be at least 18 years old and able to enter into contracts.
• The details you give us, especially for invoicing, must be true and up to date.
• The account is personal. Do not share it, and do not give others access to the apps you have connected. If several people in a business need access, each one needs their own account.
• Keep the Google account you sign in with secure. If you suspect that someone else is using your account or connections, revoke the connections and tell us at once.
• Each person may have only one account with free searches.
• You are responsible for the apps you connect to your account, and what an app does with a connection you approved counts as your use. You can revoke a connection at any time from the “Connections” page.

For now the service is free for everyone: each account can make up to 5 new searches in any 24 hours, free of charge and without a plan. While this applies, no plans are sold and new searches are not taken from any plan.

Free use has no cash value, cannot be transferred and does not oblige you to buy. We may later offer paid plans or change the limit; such changes are covered by the section “Changes to these terms”, which says which changes we notify you of in advance and how.

For now no plans are sold, because the service is free. What follows in this section and in the sections on withdrawal and refunds applies to plans already bought and will apply to new purchases, if they open.

The annual plan is a one-time payment that gives access for 12 months, with 100 searches. It does not renew automatically and we never charge you again without a new purchase by you. Searches not used within the period do not carry over.

The price is €100.00, including VAT at 24%. The final price is always shown before payment. We charge no extra fee for the payment method.

We may change the price for future purchases. A change does not affect a period you have already paid for.

Purchases are made only from the “Access” page of your account on the app.techmerion.gr website: you choose whether you are buying as an individual or as a business, accept the terms, make the statements requested and are taken to the payment provider's page. Until you complete the payment you can correct your details or stop. No purchases are made inside ChatGPT or any other AI app.

The contract for the plan is concluded when the payment provider confirms your payment. We confirm it on the “Access” page and by email.

The period begins when access is activated or, if you already have an active plan, when the current one ends, and it ends at the same time (Greek time) on the corresponding date 12 months later; if that date does not exist in the month, on the last day of the month.

About 30 and 7 days before the end we send you a reminder by email. Renewal happens only if you buy it yourself.

Payment is made on the payment provider's page (Stripe or Viva Wallet), which may apply its own terms to the payment process. We neither see nor store your card details. If you pay through Stripe, the sale is made by Link (a Stripe company) as the seller: Link charges you, accounts for the VAT, sends you the receipt and handles refunds and payment disputes; we provide the service, on these terms. If you pay through Viva Wallet, we are the seller.

We may decline to complete, or cancel, an order if the payment is not confirmed, if there are signs of fraud, or if the account has been deleted or suspended. If you have already been charged, we refund the full amount.

For each payment through Viva Wallet we issue the legal tax document: a receipt for individuals or an invoice for businesses. Its number appears on the “Access” page once it is issued. For payments through Stripe, Link issues and sends the receipt, as the seller. If you need an invoice with a Greek tax number from us, pay through Viva Wallet.

For now, the annual plan is available only to buyers with a billing address in Greece. If you buy as a business, you give the company name, tax number (ΑΦΜ), tax office (ΔΟΥ) and address for the invoice.

• Each new search of the catalogue made through your connection counts.
• While the service is free, each new search counts, whatever you search for, also when it finds no results.
• The same search again within 15 minutes does not count twice.
• Further pages of results, the details and documents of a programme and viewing your access status do not count. You can ask for details and documents of programmes that appeared in your own searches.
• The AI app decides by itself when and how many searches to make to answer a question of yours. Each new search it makes through the connection you approved counts as yours.

While the service is free, each account can make up to 5 new searches in any 24 hours. The limit looks at the last 24 hours: once you reach it, you can search again as soon as the oldest of those searches is 24 hours old.

The searches that counted are shown on the “Usage” page. Our usage records serve as evidence unless shown otherwise. If you believe a search was counted wrongly, write to us and we will check it.

If you buy as a consumer, you have the right to withdraw from the contract within 14 days of its conclusion, that is, of the day your payment was confirmed, without giving a reason. It is enough to send us your statement before the period ends. So that you do not have to count weekends and public holidays, we accept any statement we receive within 18 days of the day your payment was confirmed.

You choose when access starts. If you want it to start immediately after payment, you ask for it expressly before payment and state that you understand that, if you withdraw, you will pay an amount in proportion to the access time up to your withdrawal, and that you lose the right of withdrawal once the service has been fully provided. If you do not ask for it, the purchase is completed as usual and access starts on day 15 after the day your payment was confirmed, once the withdrawal period has ended. The access period counts from that day.

The proportionate amount is based on time: the price of the period multiplied by the days from the start of access to the day we received your statement, divided by the total days of the period. We refund the remaining value. If you did not ask for an immediate start, or if the period has not started yet, for example when you renewed before the current plan ended, we refund the full amount.

The simplest way to withdraw is “Click here to withdraw” on the “Access” page of your account, which appears for each of your purchases as an individual while the period runs. You enter your name and the email for the receipt and select “Confirm withdrawal”. Your statement is recorded at once and we email you a receipt with its content and its date and time. You can also send us a clear statement by email to [email protected] or from the “Support” page of your account, in the category “Payment or refund”. You may use the model form below, but you do not have to. In that case too we confirm receipt of your statement by email.

We refund what we owe without undue delay and at the latest within 14 days of the day we received your statement, by the same payment method and at no cost to you. The access period the withdrawal concerns ends as soon as we process it. We issue a credit note for the refund.

Model withdrawal form: “To TECHMERION Ε.Ε., Πινδάρου 10, 15126 Μαρούσι, [email protected]. I hereby give notice that I withdraw from my contract for the supply of the following service: annual plan for Techmerion Χρηματοδοτήσεις. Ordered on: (…). Name of consumer: (…). Address of consumer: (…). Account email: (…). Signature of consumer (only if this form is sent on paper). Date: (…).”

The right of withdrawal applies only to consumers. It does not apply when you buy as a business.

We must provide the service as described in these terms and on the “Plans” page, throughout the access period. If something does not work, write to us at [email protected] or from the “Support” page.

If you are a consumer, you have the rights the law gives you for digital services that are not in conformity with the contract. First, we bring the service into conformity free of charge and within a reasonable time. If that is not possible, is not done within a reasonable time, the lack of conformity reappears or is serious, or we state that we will not fix it, you can ask for a proportionate price reduction or, if the lack of conformity is not minor, end the contract; we then refund the amount corresponding to the remaining time and to the period during which the service was not in conformity. You also keep your right to damages as the law provides. These terms do not limit those rights.

If you buy as a business and the service does not work as described through our fault, we fix it within a reasonable time or, if that is not done, refund the amount corresponding to the remaining time. These are your remedies for a lack of conformity, subject to the section “Limits of liability”.

The catalogue has the limits described in these terms, in particular in the section “Information, not advice”: it does not include every programme, only programmes marked “We checked it” have been checked one by one by a person, the status is worked out from the recorded dates or the last check, and the AI app writes the text of the answer. A fault in how our tools work, for example a wrong status or date caused by an error in our code, is a lack of conformity that we fix as described above.

• If you were charged in error or twice, we refund the amount charged without reason.
• If the service was unavailable for a long time through our fault, we refund the amount corresponding to that time or, if you agree, give you an equivalent extension.
• A full refund ends the plan period it relates to immediately.
• If you dispute the charge with your bank (chargeback), the plan's access is suspended until the case is closed. Please write to us first; the matter is usually resolved faster.
• Refunds go back to the same payment method, through the provider. For refunds of payments through Viva Wallet we issue a credit note; for payments through Stripe, Link issues the matching document.
• Apart from the cases in these terms, withdrawal, lack of conformity and what the law provides, we do not refund searches or access time that were not used.

• Copying the catalogue or substantial parts of it, or repeatedly and systematically extracting smaller parts, automatically or by hand (scraping).
• Automated, bulk querying with programs, scripts or bots, other than ordinary use through the supported AI apps.
• Reselling or passing on access, offering the results to third parties as a service, or republishing them publicly.
• Using the catalogue to build a competing database or service, or to train or improve AI models.
• Getting around the usage limits, for example with several accounts for free searches or by several people sharing one account.
• Trying to access other people's accounts or our systems without permission, testing for vulnerabilities without our written agreement, reverse engineering the software where the law does not allow it, sending malicious code, or disrupting the service.
• Use for an unlawful purpose or in a way that infringes the rights of others.
• Entering other people's personal data or sensitive data into searches.
• Presenting the results as advice or approval from Techmerion or from a public body.

If an account breaks these rules or the terms, we may, depending on how serious it is, warn you, limit use for a time, revoke connections, or suspend or close the account. We tell you the reason and give you the chance to respond, unless immediate action is needed for security or legal reasons.

If we close the account because of a serious or repeated breach, we do not refund the remaining time, to the extent the law allows. If a suspension turns out to be unjustified, we restore access and give you an equivalent extension or a refund for the time lost.

The catalogue is a Techmerion database. Its selection, organisation, summaries, check labels and texts, as well as the website and the software, are protected by intellectual property and database law. The Techmerion name and marks belong to the company.

While the agreement is in force, you may use the results for your own needs or the internal needs of your business, and share individual results with your colleagues or advisers for the same purpose. This right is not exclusive and cannot be transferred.

The official calls, documents and pages we link to belong to the bodies that issue them and are governed by their own terms. A link does not mean that those bodies work with us or endorse the service.

If you send us comments or suggestions about the service, we may use them to improve it, without owing you any payment.

ChatGPT (OpenAI) and, once the connection is available, Claude (Anthropic) are third-party services with their own terms and privacy policies. You need your own account with them to use them. Techmerion is not part of those companies and is not endorsed by them; the names ChatGPT and Claude belong to their owners.

We give the app the catalogue details, with links to the official sources. The AI app writes the text of the answer and may paraphrase, summarise, leave out or misstate details, combine them with other sources or present them as a recommendation. The app's answer is not a statement by Techmerion. Rely on the programme details, the check label and the link to the official source.

We do not control the availability, operation or terms of those services and are not responsible for them. If such a service stops supporting the connection and you can no longer use the period you paid for in another supported way, we refund the amount corresponding to the remaining time.

We work to keep the service running, but we do not guarantee uninterrupted operation. It may be interrupted for maintenance, for security reasons or because of a failure at providers we rely on, such as hosting, the network, Google sign-in or the payment providers.

The catalogue is updated periodically. The catalogue date and, for checked programmes, the date of the check are shown in the results.

We may change the service for good reasons, such as improvements, security or changes in the official sources, in the AI apps or in the law, at no extra cost to you. If a change affects the use of the period you paid for negatively in more than a minor way, we tell you clearly in advance and by email, and within 30 days of the notice or of the change, whichever is later, you can end the contract and get back the amount corresponding to the remaining time.

The service gives information about programmes that other bodies set up and run. We are not responsible for the decisions of those bodies, for the approval or rejection of applications, for changes or errors in the official sources that we could not reasonably know of, for the text the AI apps write, or for decisions you take without checking the official source.

If you are a consumer, we are liable as the law provides. Nothing in these terms limits the rights the law gives you as a consumer.

While the service is provided free of charge, and to the extent the law allows, we are not liable for damage caused by slight negligence. This limit does not apply to damage caused by intent or gross negligence, to harm to life, health or body, or where the law does not allow it.

If you buy or use the service as a business, and to the extent the law allows, we are not liable for indirect or consequential losses, such as lost profit, a lost funding opportunity or loss of data. Our total liability towards the business for any cause is limited to the greater of two amounts: what the business paid for the service in the 12 months before the event that caused the loss, to us or, for purchases through Stripe, to Link; or 100 euros. These limits do not apply in the cases in the next paragraph.

No limit applies to losses caused by intent or gross negligence, to harm to life, health or body, or where the law does not allow liability to be limited.

You are responsible for the use of your account and connections. If you buy as a business and a third party makes a claim against us because you broke these terms, you compensate us for the resulting loss.

We are not liable for delay or failure to perform caused by events outside our reasonable control, such as natural disasters, pandemics, general power or network failures, cyberattacks despite reasonable security measures, decisions of authorities or general failures of the providers we rely on. In such a case we tell you and resume as soon as possible. If the interruption lasts more than 30 days, you can end the contract and get back the amount corresponding to the remaining time.

You can delete your account at any time from the “Your data” page, where you can first download a copy of your data. Deletion is permanent, revokes all connections and ends access, including for a plan that is active or has not started yet, without a refund for the remaining time, except as provided for withdrawal, lack of conformity and changes to the terms or the service. If you are entitled to a refund for one of these reasons, for example because you are within the 14-day withdrawal period, send your statement or request first.

If we stop the service, we will tell you at least 30 days in advance and refund the amount corresponding to the remaining time of any plan you have paid for.

After the agreement ends you may keep the results you have already saved for your own use. The terms on intellectual property, liability and governing law continue to apply.

We may change these terms only for one of the following reasons: a change in the law or case law, changes to the service, the providers or the AI apps, prices for future purchases, or reasons of security.

For material changes we email you at least 30 days before they apply, unless the law or security requires a shorter time. The email says what changes, why and from when, and links to the new version. Minor corrections that do not change your rights or obligations apply from publication. We keep every earlier version and send it to you on request.

From the day the new version applies, we ask you to accept it the next time you sign in to the website and before you connect a new app. Your existing connections keep working. The new version applies to new searches you make after that day; a connection that simply stays active without being used is not treated as acceptance. If you do not want the new version, you can revoke your connections or delete your account at any time, free of charge.

Changes do not raise the price or reduce the searches or the length of a period you have already paid for. If you do not agree with a change, you can ask us to end the agreement until it applies or, if we gave you less than 30 days' notice, within 30 days of the notice; if the change is to your disadvantage, we refund the amount corresponding to the remaining time of any plan you have paid for.

• Notices: we contact you at your account email and in your account. You write to us at [email protected] or from the “Support” page.
• Language: the terms exist in Greek and English with the same content. If they differ, the Greek text prevails. Terms that are not clear are interpreted in favour of the consumer.
• Records: our electronic records of usage, acceptance of the terms and payments serve as evidence unless shown otherwise.
• Transfer: you may not transfer your account or the agreement to anyone else. We may transfer the agreement to a company that will continue the service, for example in a merger, after telling you; your rights are not affected, and if you do not agree you can end the agreement with a refund of the amount corresponding to the remaining time.
• Invalid terms: if a term is found invalid or unenforceable, the others remain in force.
• Waiver: if we do not exercise a right at once, that does not mean we waive it.
• Whole agreement: these terms, together with the plan information you see before payment, are our whole agreement about the service, without prejudice to the rights the law gives you.

If you have a complaint, write to us at [email protected] or from the “Support” page. We reply in writing as soon as possible and at the latest within 30 days.

If you are a consumer and we cannot find a solution, you can turn to the Hellenic Consumer Ombudsman, which now operates within the Independent Authority for Market Supervision and Consumer Protection as an out-of-court consumer dispute resolution body and is free for consumers, or to another alternative dispute resolution body on the list kept by the Ministry of Development. Doing so does not take away your right to go to court.

We commit to taking part in the out-of-court resolution procedure of the Hellenic Consumer Ombudsman if you start it.

These terms and the agreement are governed by Greek law. If you are a consumer, you keep the protection given to you by the mandatory rules of the law of the place where you habitually live.

If you are a consumer, any dispute falls under the courts the law designates, including those of the place where you live; these terms do not restrict your choice. If you buy or use the service as a business, the courts of Techmerion's registered seat have exclusive jurisdiction, to the extent the law allows.

For questions about these terms, write to us at [email protected].