Terms of Use

Effective: June 10, 2026

Thanks for using Voice Money Manager. These Terms are the agreement between you and AI Canadian Solutions for using our apps and website. The plain-English boxes summarize each section, but the full text is what's legally binding. By creating an account or using the service, you agree to these Terms.

A. Your licence to use VMM

We grant you a personal, non-exclusive, non-transferable, limited licence to use Voice Money Manager (“VMM”) for managing your own personal or business finances, in line with these Terms. We own the app, its software, design, and trademarks; using VMM doesn't transfer any of that to you.

In short: You can use VMM — you don't own it. Your data stays yours (see below); the software stays ours.

B. Your account

Provide accurate registration information and keep it current.
Keep your password confidential — you're responsible for activity under your account, so tell us immediately at support@aicanadiansolutions.ca if you suspect unauthorized access.
You must be at least 13 years old to use VMM.

In short: Keep your login safe and your details accurate — what happens in your account is your responsibility.

C. Your data & content

You own the data, receipts, and documents you put into VMM. You grant us a limited licence to host, process, and display that content solely to deliver the service to you (for example, reading a receipt with OCR or generating a report). You're responsible for the accuracy and legality of what you upload, and for having the right to upload any information about other people (such as customers or employees).

In short: Your data is yours. You let us process it just to run the features you use. Garbage in, garbage out — we don't check your numbers for you.

D. Not financial, tax, or accounting advice

VMM is a tool that organizes your money information. It does not provide accounting, tax, legal, or financial advice, and our reports and AI suggestions are not a substitute for a professional. You're responsible for verifying results and for your own filings. Always confirm important numbers — especially tax figures — with a qualified advisor.

In short: We give you great tools and smart suggestions, but we're not your accountant. Double-check anything that matters.

E. Acceptable use

Don't use VMM to break the law or to harm the service or other people. Specifically, you agree not to:

Use it for fraudulent, infringing, defamatory, or illegal purposes;
Upload viruses or malicious code, or attempt to breach security, scrape, or gain unauthorized access;
Reverse-engineer, resell, or copy the service or build a competing product from it;
Upload fully-visible payment-card numbers or government ID numbers into fields not designed for them.

F. Third-party services

VMM works with trusted providers (such as AWS for hosting, Google and OpenAI for OCR/AI, and Stripe, Apple, and Google for payments). Their services are governed by their own terms, and we're not responsible for them. Notably, we do not connect to your bank using your online-banking credentials — statement import works from files you upload.

In short: We rely on a few reputable partners to run the app, and — unlike many tools — we never need your bank login.

G. Warranty disclaimer & liability

VMM is provided “as is” and “as available,” without warranties of any kind to the fullest extent permitted by law. We don't guarantee the service will be uninterrupted, error-free, or perfectly accurate. To the maximum extent permitted by law, our total liability for any claim relating to the service is limited to the amount you paid us for the service in the six (6) months before the claim, and we are not liable for indirect or consequential damages. Your essential remedy for dissatisfaction is to stop using VMM.

In short: The app is provided as-is. Use it at your own discretion, verify your results, and our liability is limited as described above.

H. Termination

You can close your account anytime in the app. We may suspend or terminate access if you breach these Terms or if we suspect fraud or a security risk. On termination, your licence ends and we may delete your data consistent with our Privacy Policy; obligations to pay any outstanding fees survive.

I. Changes & governing law

We may update these Terms; we'll give reasonable notice (in-app or by email) and continued use means acceptance. These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there, without regard to conflict-of-laws rules. If any provision is unenforceable, the rest remains in effect.

J. Contact

Questions about these Terms? Email support@aicanadiansolutions.ca.