End-User License Agreement

This End-User License Agreement ("Agreement") is a legal agreement between you ("User", "you", "your") and Claimable ("Company", "we", "us", "our") governing your use of the Claimable application, website, and related services (collectively, the "Service").

By creating an account, accessing, or using the Service, you agree to be bound by the terms of this Agreement. If you do not agree, do not create an account or use the Service.

1. Description of Service

Claimable is a cloud-based expense tracking and tax organization platform designed for Canadian freelancers, self-employed individuals, small business owners, and landlords. The Service helps users record, categorize, and export business expenses organized by Canada Revenue Agency (CRA) form line items.

2. Account Registration

To use the Service, you must:

• Be at least 18 years of age
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Promptly notify us of any unauthorized use of your account

You are responsible for all activity that occurs under your account. We reserve the right to suspend or terminate accounts that violate this Agreement.

3. Subscription and Payment

Claimable offers both free and paid subscription plans. Paid plans are billed on a recurring basis (monthly or annually) as selected at the time of purchase.

• Free trial: Paid plans include a 14-day free trial. You will not be charged during the trial period. If you do not cancel before the trial ends, your subscription will automatically begin and you will be billed.
• Billing: Subscription fees are charged in advance for each billing period. All amounts are in Canadian dollars (CAD) unless otherwise stated.
• Cancellation: You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period. No refunds are issued for partial billing periods.
• Price changes:We may change subscription pricing with at least 30 days' notice. Price changes apply at the start of your next billing period after the notice.

4. Not Tax Advice

THE SERVICE IS A RECORD-KEEPING AND ORGANIZATIONAL TOOL. IT DOES NOT PROVIDE TAX, LEGAL, FINANCIAL, OR ACCOUNTING ADVICE.

The Service references Canada Revenue Agency (CRA) form line items, tax categories, deduction percentages, and tax rates for informational and organizational purposes only. These references are intended to help you organize your records and should not be relied upon as authoritative tax guidance.

Specifically, the Service:

• Does not file tax returns on your behalf
• Does not guarantee the accuracy or completeness of tax calculations
• Does not determine your eligibility for any tax deduction or credit
• Does not replace the advice of a qualified accountant, tax professional, or the CRA

You are solely responsible for verifying all information, calculations, and categorizations before using them on any tax filing. Tax laws and CRA guidelines change frequently. Always consult a qualified tax professional for advice specific to your situation.

5. Your Data

You retain ownership of all data you input into the Service, including expense records, receipt images, financial information, and any other content ("Your Data"). By using the Service, you grant us a limited license to process, store, and display Your Data solely for the purpose of providing the Service to you.

You are responsible for the accuracy and completeness of Your Data. We do not verify the correctness of expense records, tax categorizations, or any other information you enter.

You may export Your Data at any time using the built-in export functionality. See our Privacy Policy for full details on how we handle your information.

6. Receipt Scanning and AI Processing

The Service includes receipt scanning functionality that uses optical character recognition (OCR) and artificial intelligence to extract information from uploaded receipts. AI-extracted data (vendor names, amounts, dates, suggested categories) is provided as a convenience and may contain errors.

You are responsible for reviewing and confirming all AI-suggested values before saving them. We make no warranty regarding the accuracy of AI-processed data.

7. Exchange Rates

The Service fetches currency exchange rates from the Bank of Canada's public API. While these rates are sourced from an official government institution, we do not guarantee their accuracy, availability, or timeliness. You should verify exchange rates used in your tax filings against official CRA guidelines.

8. Audit Export

The Service can generate export packages intended to assist with CRA audit preparation. These exports are organizational tools and do not guarantee compliance with CRA audit requirements. The completeness and accuracy of exported data depends on the completeness and accuracy of the data you entered.

9. Acceptable Use

You agree not to:

• Use the Service for any illegal purpose or to facilitate tax fraud or evasion
• Share your account credentials with others or allow unauthorized access
• Attempt to reverse engineer, decompile, disassemble, or otherwise derive the source code of the Service
• Interfere with or disrupt the integrity or performance of the Service or its infrastructure
• Use automated means (bots, scrapers, etc.) to access or collect data from the Service without our prior written consent
• Resell, sublicense, or provide access to the Service to third parties as a competing product
• Upload malicious files, viruses, or harmful content

10. Intellectual Property

The Service, including its design, code, features, documentation, trademarks, and branding, is the intellectual property of the Company and is protected by Canadian and international copyright, trademark, and other intellectual property laws.

This Agreement does not transfer any ownership rights to you. You receive only a limited, non-exclusive, non-transferable, revocable right to access and use the Service in accordance with this Agreement and your subscription plan.

11. Service Availability

We strive to maintain high availability of the Service but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control. We will make reasonable efforts to provide advance notice of scheduled maintenance.

12. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

• The Service will meet your specific requirements
• The Service will be error-free, uninterrupted, or secure
• Tax calculations, CRA line references, or tax rates are accurate or current
• The Service will produce results that satisfy CRA audit requirements in your specific case
• OCR or AI-extracted data from receipts will be accurate

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of data or financial records
• Incorrect tax filings or missed deductions resulting from use of the Service
• CRA penalties, interest, or reassessments
• Business interruption or lost profits
• Damages arising from service outages or data breaches

Our total aggregate liability under this Agreement shall not exceed the amount you paid to us for the Service in the twelve (12) months preceding the event giving rise to the claim.

14. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with your use of the Service, your tax filings, or your violation of this Agreement.

15. Termination

You may terminate this Agreement at any time by cancelling your subscription and deleting your account. We may terminate or suspend your access to the Service immediately, without prior notice, if you breach this Agreement.

Upon termination, your right to use the Service ceases immediately. We will retain your data for 30 days after account closure to allow you to export it, after which it will be permanently deleted, except where retention is required by law.

Termination of this Agreement does not affect your obligation to maintain tax records as required by the CRA or other applicable law. We recommend exporting your data before closing your account.

16. Changes to This Agreement

We may update this Agreement from time to time. If we make material changes, we will notify you by email or by posting a prominent notice within the Service at least 14 days before the changes take effect. Continued use of the Service after changes take effect constitutes acceptance of the modified terms.

17. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to its conflict of law provisions. Any disputes arising under this Agreement shall be subject to the exclusive jurisdiction of the courts of the Province of Ontario.

18. Severability

If any provision of this Agreement is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect.

19. Entire Agreement

This Agreement, together with our Privacy Policy, constitutes the entire agreement between you and the Company regarding the Service and supersedes all prior agreements and understandings, whether written or oral.

20. Contact

For questions about this Agreement, please contact us at:

Email: [email protected]