Terms of Service

1. Acceptance

These Terms of Service (the "Terms") form a binding agreement between you and AI Canadian Solutions Inc. ("we", "us") and govern your use of the VoiceMoneyManager mobile and web applications (the "Service"). By creating an account, by signing in, or by using any part of the Service, you accept these Terms. If you do not accept them, you must not use the Service.

2. Eligibility & age

You must be at least 13 years old to create an account. If you reside in Quebec, you must be at least 16 years old in line with Quebec Law 25; if you are between 14 and 16 we may collect your personal information only with the consent of a person having parental authority over you. By registering, you confirm that you meet the applicable age requirement and that you have legal capacity to enter into these Terms.

3. Your account

You are responsible for safeguarding your password and for any activity that takes place on your account. You agree to notify us immediately at privacy@aicanadiansolutions.ca of any unauthorized use. You agree to provide accurate registration information and to keep it up to date, in particular your country of residence and whether the account is a personal or business profile (because the latter triggers a longer retention clock for tax-records-retention purposes — see the Privacy Policy).

4. Acceptable use

You agree that you will not, and will not allow any third party to:

• Use the Service for any unlawful purpose, including to commit fraud, file falsified expense claims, or evade tax;
• Upload receipts or other documents that you do not have the right to upload;
• Scrape, harvest, crawl, or otherwise systematically extract data from the Service;
• Reverse-engineer, decompile, or attempt to derive the source code of any part of the Service except to the extent that this restriction is prohibited by law;
• Abuse our free OCR quota — for example, by registering multiple accounts to circumvent free-tier limits, or by running automated batch uploads against a free-tier account;
• Interfere with the integrity, security, or availability of the Service, attempt to bypass rate limits, or probe our infrastructure for vulnerabilities outside of a coordinated disclosure programme;
• Use the Service to send unsolicited communications.

5. Subscriptions & billing

The Service offers a free tier and one or more paid subscription tiers. Paid tiers are billed in advance on a recurring monthly or annual basis through Stripe. Subscriptions auto-renew at the end of each billing period at the then-current rate unless you cancel before renewal. You authorize us, through Stripe, to charge the payment method on file. All prices are quoted in the currency shown at checkout (default CAD for accounts registered in Canada) and exclude taxes that may be added at checkout (HST/GST/QST where applicable).

6. Refunds & cancellation

You may cancel a subscription at any time from Settings → Billing. Cancellation takes effect at the end of the current billing period; you keep paid features until then. We do not provide pro-rated refunds for partial periods. Refund requests for billing errors or duplicate charges should be sent to privacy@aicanadiansolutions.ca within 30 days of the charge and will be honoured where the charge was in error on our side.

7. Intellectual property

The Service, including its source code, designs, trade marks, and the "VoiceMoneyManager" name, are owned by AI Canadian Solutions Inc. and its licensors. We grant you a personal, non-exclusive, non-transferable, revocable licence to use the Service in object-code form during the term of these Terms, solely for your personal or internal business use.

8. Your content & licence to us

You retain ownership of the receipts, notes, and other content you upload (your "Content"). You grant us a worldwide, non-exclusive, royalty-free licence to host, copy, transmit, transcode, and process your Content strictly for the purpose of operating and improving the Service, in line with the Privacy Policy. We do not claim ownership of your Content and we do not licence it to any third party.

9. AI / OCR disclaimer

The Service uses Optical Character Recognition and large-language-model parsing to read receipts and to suggest categories. These suggestions are best-effort and are provided "as is". You are responsible for reviewing each entry before relying on it for tax, accounting, reimbursement, or any other purpose. We do not warrant that the parsed amounts, dates, tax codes, vendor names, or categories will be accurate in every case, and we accept no liability for losses that arise from your reliance on a parsing error you could reasonably have caught on review.

10. Disclaimer of warranties

To the maximum extent permitted by law, the Service is provided "as is" and "as available". We disclaim all warranties of any kind, express or implied, including the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or secure against every conceivable attack.

11. Limitation of liability

To the maximum extent permitted by law, our total aggregate liability to you for any and all claims arising out of or relating to these Terms or the Service is limited to the greater of (a) one hundred Canadian dollars (CAD $100), or (b) the fees you actually paid to us for the Service in the twelve (12) months immediately preceding the event giving rise to the claim. Neither party is liable to the other for indirect, incidental, consequential, special, exemplary, or punitive damages, including loss of profits, loss of data, loss of goodwill, or the cost of substitute services, even if advised of the possibility of those damages.

Note for the lawyer reviewing this document: consider whether to add a binding-arbitration clause for Canadian users. Quebec consumer-protection rules limit pre-dispute arbitration; Ontario does not. Default left blank pending counsel review.

12. Indemnification

You will defend, indemnify, and hold harmless AI Canadian Solutions Inc. and its officers, directors, employees, and contractors from and against any third-party claim, demand, loss, or expense (including reasonable legal fees) arising out of (a) your breach of these Terms, (b) your violation of any law or third-party right, or (c) your Content.

13. Termination & suspension

We may suspend or terminate your access to the Service, with or without notice, if we reasonably believe you have breached these Terms, if we are required to do so by law, or if your continued use poses a security or legal risk to us or to other users. You may terminate at any time by deleting your account from Settings. Termination by you does not entitle you to a refund of fees already paid. The retention rules in section 7 of the Privacy Policy survive termination.

14. Governing law & jurisdiction

These Terms are 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 conflict-of-laws principles. The parties submit to the exclusive jurisdiction of the courts of Toronto, Ontario for any dispute arising out of these Terms, except that either party may seek injunctive relief in any competent court.

15. Changes to these terms

We may update these Terms from time to time. Material changes will be notified to you by email and by an in-app banner; the new version will take effect 30 days after notice. Your continued use of the Service after the new version takes effect constitutes acceptance of the change.

16. Contact

Questions about these Terms? privacy@aicanadiansolutions.ca.