Terms of Service

Effective Date: February 17, 2026 · Last Updated: February 17, 2026

These Terms of Service ("Terms") govern your access to and use of the Paarify mobile application and related services (collectively, the "Service") provided by 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.

1. Overview of the Service

Paarify is a business intelligence and financial management platform designed for farmers, small businesses, and independent professionals. The Service provides AI-powered receipt and invoice scanning, expense tracking, bank account connection and transaction import (via Plaid), accounting software synchronization (via QuickBooks), inventory management and COGS tracking, financial analytics and reporting, 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.

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.

4. Subscription Plans and Billing

4.1 Plans

Paarify offers: Free ($0), Starter ($29/mo), Growth ($79/mo), Pro ($149/mo), and Enterprise (custom pricing). Feature availability varies by plan.

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 monthly in advance through Stripe in US dollars. You authorize us to charge your payment method on file. If payment fails, we may retry or suspend paid features.

4.4 Plan Changes

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

4.5 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.

5. Acceptable Use

You may use Paarify solely for lawful business and personal financial management. You agree not to:

  • Use the Service for money laundering, fraud, or tax evasion
  • 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 without our consent
  • Interfere with the Service's performance
  • Resell or redistribute access without authorization
  • Misuse AI features by attempting to extract system instructions or manipulate the AI

We may suspend or terminate accounts for violations without prior notice in serious cases.

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. 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.

7. Third-Party Integrations

Paarify integrates with Plaid, Intuit QuickBooks, 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 or accuracy.

8. Intellectual Property

The Service, including its design, software, algorithms, AI models, and branding, is owned by Paarify and protected by intellectual property laws. If you provide feedback, you grant us a perpetual, royalty-free license to use it.

9. Disclaimers

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

Financial Disclaimer: Paarify is not a financial advisor, accountant, or tax professional. Analytics and categorizations are for informational purposes only. AI-powered extraction may contain errors — you are responsible for verifying accuracy. Consult qualified professionals for financial, tax, and legal decisions.

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 AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM.

We are not liable for errors in AI-generated data, inaccuracies from third-party services, your failure to maintain accurate records, or unauthorized access due to your failure to safeguard credentials.

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.

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. Disclaimers, Limitation of Liability, and Indemnification survive termination.

13. Dispute Resolution

These Terms are governed by the laws of the Province of Ontario, Canada. 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 Ontario, Canada.

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. We are not liable for failures due to force majeure.

15. Changes to These Terms

We may update these Terms and will notify you of material changes within the app. Continued use after changes constitutes acceptance.

16. Contact Us

Paarify
Email: support@paarify.com
Website: https://www.paarify.com