Terms of Service

Effective Date: 20 June 2026 · Last Updated: 15 June 2026

These Terms of Service (“Terms”) govern your access to and use of the Paarify mobile application (the "App"), the website at https://www.paarify.com (the "Website"), and related services (collectively, the “Service”) provided by FinAssessor Ltd, a corporation incorporated in Ontario, Canada, operating as Paarify (“we,” “us,” or “our”).

By creating an account or using Paarify, you agree to be bound by these Terms. If you do not agree, do not use the Service.

These Terms constitute a binding contract. The Service is provided to business users and to consumers. Mandatory consumer-protection laws of your country or state of residence (including, where applicable, the Ontario Consumer Protection Act, 2002, the U.S. Restore Online Shoppers' Confidence Act (ROSCA), state automatic-renewal laws (e.g., California Business & Professions Code § 17600 et seq.), and the EU/UK Consumer Rights Directive) apply notwithstanding anything to the contrary in these Terms.

Pre-contract information for EU/UK consumers (Consumer Rights Directive Art. 6). The trader is FinAssessor Ltd, Ontario, Canada; contact via support@paarify.com. The main characteristics of the Service are described in Section 1. The total price, including all taxes, is shown in the Service before you confirm any paid subscription. Payment is by credit/debit card via Stripe. The contract is concluded electronically when you click "Subscribe" or equivalent and is stored in your account. The Service is provided in English. You acknowledge that, by subscribing and beginning to use the Service immediately, you expressly request performance during the 14-day withdrawal period and agree that you will lose your right of withdrawal once the Service has been fully performed during that period (CRD Art. 16(a) and Art. 16(m) for digital content).

1. Overview of the Service

Paarify is a financial intelligence platform that helps small businesses and individuals understand their financial activity and business performance. The Service surfaces key performance indicators, AI-generated insights, industry benchmarks, forecasts, cash position views, and anomaly alerts, drawn from data you capture (such as receipts, invoices, and income records) or connect from external sources you authorize.

What Paarify is not. Paarify is not an accounting system, bookkeeping service, payroll provider, tax filing or preparation service, audit or assurance provider, financial advisor, broker-dealer, investment adviser, or regulated financial institution. The Service does not maintain a chart of accounts, post journal entries, generate statutory financial statements, file taxes, run payroll, or render opinions under GAAP, IFRS, or any other accounting framework. Paarify complements your existing accounting tools and accountant; it does not replace them.

What the Service includes. AI-powered receipt and invoice scanning; optional read-only bank account connection and transaction import (via Plaid); optional read-only synchronization with accounting software (via QuickBooks); operational record-keeping tools (including inventory and cost-of-goods-sold tracking for your own internal purposes); financial intelligence outputs (KPIs, benchmarks, forecasts, alerts); and subscription billing (via Stripe).

2. Eligibility

You must be at least 18 years old, capable of forming a binding legal agreement, and must provide accurate registration information. If using Paarify on behalf of a business, you represent that you have authority to bind that entity.

You further represent that (a) you are not located in, under the control of, or a national or resident of any country subject to comprehensive U.S., Canadian, EU, UK, or UN sanctions; and (b) you do not appear on the U.S. Treasury OFAC SDN list, the U.S. Commerce Department's Denied Persons List or Entity List, Canada's Consolidated Autonomous Sanctions List, the EU Consolidated Sanctions List, or HM Treasury's UK Sanctions List.

3. Account Registration and Security

You agree to provide accurate information, keep your password secure, and notify us immediately at support@paarify.com if you suspect unauthorized access. You are responsible for all activity under your account, except to the extent unauthorized activity results from our failure to maintain reasonable security as required by applicable law.

Electronic signatures and records. You consent to transact electronically and to receive all notices, agreements, disclosures, and other communications from us in electronic form, in accordance with the U.S. Electronic Signatures in Global and National Commerce Act (e-SIGN), the Uniform Electronic Commerce Act (Canada / Ontario), and Regulation (EU) No 910/2014 (eIDAS).

4. Subscription Plans and Billing

4.1 Plans

Paarify offers five plans, each with the scan limits, bank connection limits, and feature access shown in the app and on paarify.com:

Explorer — Free. 10 receipt scans per month, 5 bill scans per month, 10 income entries per month, basic expense tracking, basic dashboard, AI categorization, plain-English insights, monthly summary, single user.
Operator — $29/month ($290/year). 100 receipt scans per month, 100 income entries per month, expense and income tracking, basic dashboard, budgeting, plain-English insights, custom categories, CSV and PDF exports, one bank connection, single user.
Strategist — $79/month ($790/year). Unlimited receipt and bill scanning, expense/bills/income tracking, accounting system integration, analytics with drill-downs, benchmarking, cash flow forecast, financial ratios, AI-powered insights, five bank connections.
Commander — $149/month ($1,490/year). Everything in Strategist plus advanced analytics, inventory and cost-of-goods-sold tracking, unlimited bank connections, priority support.
Enterprise — Custom pricing. Custom onboarding, dedicated account manager, custom integrations, volume pricing, and priority SLA support.

The Explorer plan is always available at no cost. Paid plans (Operator, Strategist, Commander) are eligible for a 7-day free trial. Enterprise plans are quoted on request. Feature availability and limits are current as of the effective date of these Terms and may be updated; the in-app plan screen and paarify.com pricing page reflect the latest configuration.

Fair use. Where a plan offers “unlimited” usage of any feature (including receipt scans, AI categorization, AI-generated insights, or other AI-processed outputs), unlimited means unlimited standard usage by a single registered user for ordinary individual or business operations. We may throttle, suspend, or terminate usage that exceeds reasonable individual or single-business volume, originates from automated tools or scripts, indicates account sharing across multiple parties, or imposes disproportionate cost on the Service or its third-party AI processing providers. The “unlimited” label is used in compliance with the EU Modernization Directive (Directive (EU) 2019/2161) and the U.S. FTC's guidance on "free" and "unlimited" claims: the material conditions and limits of any “unlimited” feature are described in the in-app plan screen and at https://www.paarify.com/pricing.

4.2 Free Trial

New users may be eligible for a 7-day free trial. No payment method is required. Your account reverts to the Free Plan at trial end unless you subscribe.

4.3 Billing

Paid subscriptions are billed in advance through Stripe in US dollars (USD), on a monthly or annual cycle depending on the plan you select. For customers whose residence or place of supply is in Canada, all subscription fees are quoted in USD and converted to Canadian dollars (CAD) at the time of charge by Stripe and/or your card issuer; you are responsible for any foreign-exchange or cross-border fees imposed by your card issuer. Applicable taxes, including Canadian GST/HST for customers in Canada, US state and local sales/use tax for customers in the United States, and EU/UK VAT for customers in the EU/UK, are calculated based on your location and added at checkout. You authorize us to charge your payment method on file for the subscription fee plus any applicable tax. If a payment fails, we may retry the charge or suspend access to paid features.

Automatic renewal disclosure. Your subscription automatically renews at the end of each billing period at the then-current price unless you cancel at least 24 hours before the end of the current period. We will send a clear renewal reminder by email at least 7 days before each annual renewal and at least 3 days before any material price change. You can cancel at any time, free of charge, in the in-app subscription settings or by emailing support@paarify.com; no telephone call is required.

4.4 Plan Changes

Upgrades take effect immediately with prorated charges. Downgrades take effect at the end of your current billing cycle.

4.5 EU/UK consumer right of withdrawal (Consumer Rights Directive)

If you are a consumer resident in the EEA or the UK, you have the right to withdraw from a paid subscription within 14 days of the date the contract is concluded, without giving any reason. To exercise this right you must inform us by an unequivocal statement (e.g., email to support@paarify.com). A model withdrawal form is available at https://www.paarify.com/withdrawal. By starting to use the paid features during the 14-day withdrawal period, you expressly request that performance begin before the period expires and acknowledge that you will lose your right of withdrawal once the Service has been fully performed during that period (CRD Art. 16(a), Art. 16(m) for digital content). If you exercise your withdrawal right before performance has been fully completed, we will refund any amount you paid less an amount proportionate to what was supplied to you up to that point.

4.6 Cancellation and Refunds

Cancel anytime from within the app. You retain access until the end of your billing period. We do not provide partial-period refunds except as required by law. Contact support@paarify.com within 30 days for billing errors.

4.7 Price changes

We may change subscription prices from time to time. Price changes apply only to subsequent billing periods. We will provide at least 30 days’ advance notice of any price increase by email and in the App; for EU/UK consumers, your continued use after the effective date of the price change constitutes acceptance, and you may cancel free of charge before that date.

5. Acceptable Use

You may use Paarify solely for lawful business and personal financial management. Accounts are intended for use by the registered user only. You shall not share, transfer, or permit access to your account credentials, except where multi-user access is expressly included in your subscription plan or where the Service provides an authorized invitation mechanism for additional users.

You agree not to:

Use the Service for money laundering, fraud, or tax evasion
Access or use the Service from, or for the benefit of, any jurisdiction, person, or entity subject to comprehensive U.S., Canadian, U.N., E.U., or U.K. sanctions, or that appears on any applicable restricted-party, denied-persons, or sanctions list
Upload malicious or infringing content
Attempt unauthorized access to our systems or other accounts
Reverse engineer or decompile any part of the Service
Use automated tools, scrapers, or bots to access the Service without our prior written consent
Interfere with the Service’s performance, security, or integrity
Resell or redistribute access without authorization
Misuse AI features by attempting to extract system instructions, manipulate model behavior, or generate harmful, unlawful, or deceptive outputs

We may suspend or terminate accounts for violations without prior notice in serious cases. Where suspension or termination materially affects a consumer customer in the EU/UK or in Ontario, we will, where practicable and not legally prohibited, give reasonable prior notice and an opportunity to remedy the breach, and will allow you to export Your Data for a reasonable period after termination.

6. Your Data

Ownership: You retain full ownership of all data you upload or create. We have a limited license to process and store it solely to provide the Service.

AI Processing: When using AI features, data may be sent to third-party AI providers (OpenAI, Anthropic) for processing under Data Processing Agreements that contractually prohibit them from training their models on your data. We do not use your data to train AI models.

Export: You can export your data anytime in CSV or PDF format.

Deletion: You can delete individual records or your entire account anytime. Data is permanently removed within 30 days except where legally required. See our Privacy Policy.

Privacy. Our processing of personal information is governed by the Privacy & Cookies Policy at https://www.paarify.com/privacy, which is incorporated into these Terms by reference and which describes your rights under PIPEDA (Canada), GDPR / UK GDPR (EEA/UK), and CCPA/CPRA (California).

No sale or sharing. We do not “sell” or “share” your personal information as those terms are defined in Cal. Civ. Code § 1798.140(ad)–(ah), and we do not use Your Data for cross-context behavioral advertising.

7. Third-Party Integrations

Paarify integrates with Plaid, Intuit QuickBooks, OpenAI, Anthropic, Pinecone, AWS, Sentry, and Stripe. Your use of these integrations is subject to their respective terms. You can disconnect any integration at any time. We are not responsible for third-party availability, accuracy, or actions taken outside our control.

Plaid disclosure (US). By connecting a bank account via Plaid, you also agree to Plaid's End User Privacy Policy at https://plaid.com/legal/#end-user-privacy-policy and authorize Plaid, on your behalf, to access information from your financial institution and to share that information with us. You may revoke this authorization at any time through Plaid's portal at https://my.plaid.com or by disconnecting the integration in Paarify.

8. Intellectual Property

The Service, including its design, software, algorithms, AI models, prompts, embeddings, benchmarks, and branding, is owned by FinAssessor Ltd, operating as Paarify and protected by intellectual property laws of Canada, the United States, the European Union, the United Kingdom, and other jurisdictions, including the Canadian Copyright Act, the U.S. Copyright Act (17 U.S.C.), the EU Copyright Directive (Directive (EU) 2019/790), the UK Copyright, Designs and Patents Act 1988, and applicable trademark and trade-secret laws. If you provide feedback, you grant us a perpetual, royalty-free license to use it.

DMCA / copyright complaints. If you believe content available through the Service infringes your copyright, please send a notice under the U.S. Digital Millennium Copyright Act (17 U.S.C. § 512) to copyright@paarify.com. The notice must include: (i) a physical or electronic signature; (ii) identification of the copyrighted work; (iii) identification of the allegedly infringing material and its location; (iv) your contact information; (v) a statement of good-faith belief that the use is not authorized; and (vi) a statement, under penalty of perjury, that the information is accurate and you are authorized to act. Counter-notices may be submitted to the same address.

9. Disclaimers

9.1 Service Provided “As Is”

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. NOTHING IN THIS SECTION LIMITS THE NON-EXCLUDABLE STATUTORY WARRANTIES OR LEGAL GUARANTEES THAT APPLY TO CONSUMERS UNDER THE LAWS OF THEIR JURISDICTION OF RESIDENCE, INCLUDING (WHERE APPLICABLE) PART III OF THE ONTARIO CONSUMER PROTECTION ACT, 2002, THE EU CONSUMER RIGHTS DIRECTIVE AND DIGITAL CONTENT DIRECTIVE (EU) 2019/770, THE UK CONSUMER RIGHTS ACT 2015, AND U.S. STATE IMPLIED-WARRANTY LAWS THAT CANNOT BE DISCLAIMED.

9.2 No Professional Services

Paarify is a financial intelligence platform; it is not an accounting system, bookkeeping service, payroll provider, tax filing or preparation service, audit or assurance provider, financial advisor, broker-dealer, investment adviser, or regulated financial institution. Paarify does not provide accounting, bookkeeping, audit, assurance, tax preparation or filing, payroll, investment, legal, or regulatory compliance services. Nothing produced by the Service constitutes professional financial, tax, legal, accounting, or investment advice. The Service does not generate statutory financial statements, file taxes, or render opinions under GAAP, IFRS, or any other accounting framework, and it does not guarantee compliance with tax laws, statutory filing obligations, or any financial reporting requirement. For decisions with legal, tax, accounting, or financial consequences, consult appropriately qualified professionals.

9.3 No Fiduciary or Advisory Relationship

Nothing in the Service, these Terms, or the relationship between you and Paarify creates any fiduciary, advisory, agency, brokerage, accounting, financial-advisory, tax-advisory, or other professional-services relationship between you and Paarify. Your use of the Service does not entitle you to rely on Paarify or any output of the Service as a source of professional advice or as a substitute for the judgment of qualified professionals.

9.4 User Responsibility for Records and Compliance

You are solely responsible for maintaining accurate financial records, complying with applicable tax obligations, financial reporting requirements, payroll obligations, employment laws, accounting standards, and any other legal or regulatory obligations applicable to you or your business. The Service is a tool to support your record-keeping and decision-making; it does not satisfy, replace, or discharge any obligation you owe to any tax authority, regulator, accountant, auditor, or other party.

9.5 AI Outputs

Paarify uses artificial intelligence and machine learning to extract data from receipts and invoices, categorize transactions, generate insights, produce industry benchmarks, run forecasts, and detect anomalies. AI outputs are probabilistic and non-deterministic. They may be incomplete, inaccurate, delayed, biased, or otherwise incorrect, and may produce different results from the same or similar inputs. You are responsible for reviewing, verifying, and validating any AI-generated extraction, categorization, insight, forecast, recommendation, alert, or benchmark before acting on it. AI-generated outputs must not be relied upon as the sole basis for any financial, operational, tax, or legal decision. We do not make any solely automated decisions producing legal or similarly significant effects on you within the meaning of Article 22 GDPR; all outputs are informational and you remain in control of any decision.

9.6 Service Availability

We do not guarantee that the Service, or any third-party integration (including but not limited to Plaid, Intuit/QuickBooks, Stripe, OpenAI, and Anthropic), will be uninterrupted, error-free, secure, or available at any particular time. Bank feeds, accounting syncs, AI processing, OCR, and other integrations may be delayed, throttled, degraded, or unavailable due to circumstances outside our reasonable control.

9.7 Beta and Experimental Features

From time to time we may make features available labeled “beta,” “preview,” “experimental,” or “early access.” These features are provided as-is, may contain defects, may change or be removed without notice, and may not be supported at the same level as generally available features. You use such features at your own risk.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM , OR (B) ONE HUNDRED CANADIAN DOLLARS (CAD $100).

We are not liable for errors in AI-generated data or insights, inaccuracies from third-party services, your failure to maintain accurate records, decisions made in reliance on AI-generated outputs without independent verification, or unauthorized access due to your failure to safeguard credentials.

Carve-outs that apply notwithstanding the foregoing. Nothing in these Terms limits or excludes our liability for: (i) death or personal injury caused by our negligence; (ii) fraud or fraudulent misrepresentation; (iii) any liability that cannot lawfully be limited or excluded under the Ontario Consumer Protection Act, 2002, the EU Consumer Rights Directive, the Unfair Contract Terms Directive 93/13/EEC, the UK Consumer Rights Act 2015, or the consumer-protection laws of your jurisdiction of residence; or (iv) gross negligence or willful misconduct.

Jurisdictional carve-outs. Some U.S. states and other jurisdictions do not allow the exclusion of implied warranties or the limitation of incidental or consequential damages. In those jurisdictions, the limitations in this Section 10 apply to the maximum extent permitted by applicable law.

11. Indemnification

You agree to indemnify Paarify from claims arising from your use of the Service, violation of these Terms, violation of applicable laws, or actions based on data from the Service. This Section 11 does not apply to consumers in the EU, the UK, or Ontario to the extent it would impose an obligation prohibited by mandatory consumer-protection law.

12. Termination

You may delete your account anytime. We may suspend or terminate access immediately for violations, or with 30 days’ notice for other reasons. Upon termination, your data will be deleted per our Privacy Policy. For at least 30 days after termination, you will have the ability to export Your Data in CSV/PDF format, except where deletion is required earlier by law or by your express request (Article 20 GDPR; OPC retention guidance). Disclaimers, Limitation of Liability, and Indemnification survive termination.

13. Dispute Resolution

These Terms are governed by the laws of the Province of Ontario, Canada, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods (CISG) does not apply. Before formal proceedings, you agree to attempt informal resolution by contacting support@paarify.com for at least 30 days. Disputes shall be submitted to the exclusive jurisdiction of the courts in Toronto, Ontario, Canada.

Consumers in the EU/UK. If you are a consumer resident in the EEA or the UK, the choice of Ontario law and Ontario courts above does not deprive you of the protection afforded to you by mandatory provisions of the law of your country of habitual residence (Article 6 Rome I Regulation; Article 18 Brussels I Recast). You may bring proceedings in your country of habitual residence, and you may have access to the EU Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr.

Consumers in Canada. If you are a consumer resident in a Canadian province or territory whose consumer-protection legislation grants you the right to bring a claim in the courts of that province (including, in Ontario, the Consumer Protection Act, 2002), nothing in this Section 13 limits that right.

U.S. customers — binding individual arbitration and class-action waiver.

If you are a resident of the United States, you and Paarify agree that any dispute, claim, or controversy arising out of or relating to the Service, these Terms, or our relationship (a “Dispute”) will be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules and Procedures then in effect, and not in court, except as expressly stated below. The Federal Arbitration Act (9 U.S.C. § 1 et seq.) governs the interpretation and enforcement of this Section.

Informal resolution first. Before starting arbitration, you agree to send a written notice of Dispute to support@paarify.com describing the claim and the relief sought, and to negotiate in good faith for at least 60 days. The statute of limitations and any filing-fee deadlines are tolled during this period.

Small-claims carve-out. Either party may bring an individual action in a small-claims court of competent jurisdiction in the county of your residence, so long as the action stays in that court and is brought on an individual (non-class, non-representative) basis.

Public injunctive relief carve-out. Nothing in this Section waives any non-waivable right to seek public injunctive relief. Consistent with McGill v. Citibank, N.A., 2 Cal. 5th 945 (2017), a claim for public injunctive relief may be brought in a court of competent jurisdiction and is severable from any claims subject to arbitration; arbitration of all other claims will be stayed pending resolution of the public-injunctive-relief claim.

Class, collective, and jury-trial waiver. YOU AND PAARIFY EACH WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS, COLLECTIVE, CONSOLIDATED, MASS, OR REPRESENTATIVE ACTION, INCLUDING AS A NAMED PLAINTIFF OR CLASS MEMBER. The arbitrator may award relief (including monetary, declaratory, or injunctive relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. If a court decides that this class-action waiver is unenforceable as to a particular claim or remedy, that claim or remedy (and only that one) shall be severed and proceed in court; all other claims shall remain in arbitration.

Arbitration procedure. The arbitration will be conducted by a single neutral arbitrator. Unless you and Paarify agree otherwise, the seat of arbitration will be the U.S. county of your residence; at your election, the hearing may be conducted by video conference or based solely on written submissions. For claims under USD 10,000, Paarify will pay all JAMS filing, administrative, and arbitrator fees, except where the arbitrator determines a claim was frivolous or filed for an improper purpose. For larger claims, fees will be allocated under the JAMS rules. Each party bears its own attorneys' fees, unless the arbitrator awards them under applicable law or contract. The arbitrator's award is final and may be entered as a judgment in any court of competent jurisdiction.

30-day right to opt out. You may opt out of this arbitration and class-action waiver Section by sending written notice to support@paarify.com within 30 days of first accepting these Terms (or, for existing users, within 30 days of the effective date of this Section). The notice must include your full name, the email address associated with your account, and a clear statement that you decline to be bound by this Section. Opting out will not affect any other provision of these Terms, and Paarify will not retaliate against you for opting out.

Severability and survival. If any portion of this Section other than the class-action waiver is held invalid or unenforceable, the remainder of the Section shall continue in full force. If the class-action waiver is held unenforceable as to any claim for relief, that claim shall be severed and litigated in the courts identified in Section 13, and all other claims shall remain in arbitration. This Section survives termination of these Terms and termination of your account.

Scope limitation. This Section applies only to U.S. residents. It does not apply to consumers resident in Canada, the EEA, the UK, or any other jurisdiction where pre-dispute binding arbitration of consumer claims, or a waiver of class proceedings, is prohibited or unenforceable under mandatory local law.

14. General Provisions

These Terms and our Privacy Policy constitute the entire agreement. If any provision is unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign your rights without our consent.

Force Majeure. We shall not be liable for any failure or delay in performance under these Terms caused by circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, government action, labor disputes, power or telecommunications failures, or third-party service outages.

Anti-spam.

Canada. If we send you commercial electronic messages, we will do so in compliance with Canada's Anti-Spam Legislation (S.C. 2010, c. 23). Every commercial email will identify FinAssessor Ltd, include valid contact information, and offer a one-click unsubscribe mechanism that is honored within 10 business days.

United States. Commercial electronic messages we send to U.S. recipients will comply with the CAN-SPAM Act of 2003 (15 U.S.C. § 7701 et seq.) and applicable FTC regulations (16 C.F.R. Part 316). Each message will (i) use accurate sender, "from," and routing information; (ii) use non-deceptive subject lines; (iii) clearly identify the message as an advertisement where required; (iv) include a valid physical postal address for FinAssessor Ltd; and (v) provide a working unsubscribe mechanism that is honored within 10 business days. We will not send commercial messages to any address that has opted out.

EU/UK. Commercial electronic messages we send to recipients in the EEA or the UK will comply with the ePrivacy Directive 2002/58/EC (as transposed by EU Member States), the UK Privacy and Electronic Communications Regulations 2003 (PECR), and Articles 6, 7, and 21 of the GDPR / UK GDPR. We will rely on your prior, freely given, specific, informed, and unambiguous consent, or on the limited "soft opt-in" available under Article 13(2) of the ePrivacy Directive and Regulation 22(3) PECR for our own similar products or services. Every commercial email will identify FinAssessor Ltd, state the commercial nature of the message, and include a free and easy mechanism to withdraw consent or object at any time, which will be actioned without undue delay.

Export controls. You agree to comply with all applicable Canadian, United States, EU, and UK export control and sanctions laws and regulations, including the U.S. Export Administration Regulations and the Canadian Export and Import Permits Act.

Notices. We may give notices by in-app message, push notification, or email to the address on your account. You may give notice to us at support@paarify.com or by mail to FinAssessor Ltd, Ontario, Canada (postal address available on request).

Headings. Section headings are for convenience and do not affect interpretation.

15. Changes to These Terms

We may update these Terms and will notify you of material changes within the app and by email to the address associated with your account, at least 30 days before the effective date. Continued use after changes constitutes acceptance. If you are an EU/UK consumer and you do not accept a material change, you may terminate the contract before the effective date and receive a pro-rata refund of any prepaid fees.

16. Contact Us

Paarify (operated by FinAssessor Ltd, Ontario, Canada)

Email: support@paarify.com

Privacy: privacy@paarify.com

Website: https://www.paarify.com