Terms of Service

1. Eligibility and account registration

You must be at least 18 years of age and capable of forming a binding contract under applicable Canadian law to use the Service. By using the Service, you represent and warrant that you meet these requirements.

You agree to provide accurate, current, and complete registration information and to keep it updated. You are responsible for safeguarding your password and for all activity under your account. Notify us promptly of any unauthorized use. We may refuse, suspend, or terminate accounts that we reasonably believe violate these Terms or pose a security, legal, or operational risk.

2. Description of the Service

Klyrr is an AI-assisted personal finance organization tool for individuals and households in Canada. Features may include (without limitation): receipt and screenshot capture; bank statement, CSV, Excel, PDF, and similar file import; manual entry of operations; AI categorization and merchant detection; budgets; recurring payment detection; dashboards and insights; a conversational assistant based on your financial data; shared finance files; and related tools.

We may modify, add, or discontinue features at any time. We do not guarantee that any particular feature will remain available indefinitely.

3. Not a bank, broker, accountant, or financial advisor

Klyrr is a software tool only. We are not a bank, credit union, payment institution, broker-dealer, investment adviser, tax preparer, lawyer, insurer, or licensed financial planner. We do not hold your money, execute trades, open bank accounts, or provide regulated financial products.

Any insights, scores, categorizations, budgets, alerts, chat replies, blog content, or suggestions generated by the Service (including by AI) are for informational and organizational purposes only. They are not financial, investment, tax, accounting, legal, or other professional advice. You remain solely responsible for your financial decisions. Consult a qualified professional before acting on any information from the Service.

4. Your financial data and AI processing (critical acknowledgment)

To provide the Service, you expressly instruct and authorize Klyrr to collect, store, analyze, transform, and process the financial and related data you submit or generate through the Service, including without limitation: transaction descriptions and amounts; account balances appearing in uploads; merchant names; categories and tags; receipt and bank-screenshot images; imported statements and files; chat messages to the assistant; budgets; household profile information; and similar content ("Financial Data").

You understand and agree that providing AI-powered features requires transmitting relevant portions of your Financial Data (and related prompts or images) to third-party artificial intelligence and cloud service providers, which may include OpenAI, L.L.C. and its affiliates and subprocessors, and other providers we engage to operate the Service. Such processing may occur on servers located outside Canada (including in the United States). We take steps we consider commercially reasonable to limit what is sent to what is needed for the requested feature, but we cannot guarantee that third-party AI providers will treat data as fully anonymous in all cases. Please review our Privacy Policy for details on processors, cross-border transfers, and your choices.

By using AI features (including categorization, receipt reading, insights, search, and the assistant), you consent to this processing. If you do not consent, do not upload Financial Data or use AI features.

• You represent that you have the legal right to upload and process all Financial Data you submit (including data of household members you invite, and any images or files).
• You must not upload data you are not authorized to share, or content that is illegal, harmful, or infringing.
• You should avoid uploading government ID numbers, full payment card PANs, CVV codes, bank passwords, or authentication secrets unless a feature expressly requires a limited field and you understand the risks. Klyrr does not need your bank login password to operate current import and receipt features.

5. Accuracy, AI limitations, and your review duty

AI systems can misread receipts, mis-categorize transactions, invent or omit details, or produce incomplete or incorrect answers. Bank file parsers may fail on unexpected formats. Dashboards, health scores, and budgets may contain errors or lag behind your real accounts.

YOU MUST independently verify all categorizations, amounts, dates, merchants, insights, and assistant outputs before relying on them. The Service is not a substitute for your bank statements, accounting records, or professional advice. Klyrr has no obligation to correct third-party or AI errors beyond commercially reasonable efforts to improve the product over time.

6. Shared files and invitations

If you invite others to a finance file, you authorize those invitees to view and (depending on permissions) edit shared Financial Data. You are responsible for choosing invitees carefully and for ensuring you have authority to share that data. We are not responsible for disputes between household members or for an invitee's misuse of shared data.

7. Subscriptions, trials, billing, and taxes

Paid plans (such as Solo and Family), prices, trial lengths, and features are described on our pricing page and may change. Prices are generally shown in Canadian dollars (CAD) unless stated otherwise.

Payments are processed by Stripe, Inc. and/or its affiliates ("Stripe"). By starting a paid subscription or trial that requires a payment method, you authorize us and Stripe to charge your payment method for applicable fees, taxes, and renewals according to your selected plan and interval (monthly or yearly). Stripe's terms and privacy notices also apply to payment processing.

Unless required by law or expressly stated otherwise, fees are non-refundable, including for partial periods, unused features, or dissatisfaction with AI output. You may cancel renewal through the in-app billing portal or applicable Stripe customer portal; access typically continues until the end of the paid period. We may change prices with notice; continued use after the effective date constitutes acceptance where permitted by law.

You are responsible for any applicable taxes. We may collect taxes where required.

8. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose, fraud, money laundering, or to violate sanctions or export controls;
• Attempt to reverse engineer, scrape, overload, disrupt, or bypass security of the Service, except to the extent such restriction is prohibited by law;
• Upload malware, or attempt to access other users' accounts or data;
• Misrepresent your identity or affiliation;
• Use the Service to train competing AI models or to systematically extract data beyond normal personal use;
• Resell or sublicense the Service without our prior written consent;
• Use automated means to create accounts or abuse trials or promotions.

We may investigate and take action (including suspension or termination) for violations or suspected abuse.

9. Intellectual property

Klyrr and its licensors own all rights in the Service, including software, branding, design, documentation, and marketing content. These Terms do not transfer ownership to you. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for your personal or household purposes in accordance with these Terms.

You retain ownership of your Financial Data. You grant Klyrr a worldwide, royalty-free license to host, copy, process, transmit, display, and create derivative works from your Financial Data solely as needed to operate, secure, improve, and provide the Service (including AI features and anonymized or aggregated analytics as described in the Privacy Policy).

Feedback you provide may be used by us without obligation or compensation.

10. Third-party services

The Service depends on third parties, including hosting providers (such as Heroku and related infrastructure), databases, Redis, email delivery, Google (OAuth and Analytics, if enabled), Stripe, OpenAI and other AI vendors, CDN or font providers, and similar subprocessors. Their availability, policies, and outages are outside our full control. Your use of third-party authentication (e.g., Google) is also subject to that provider's terms.

11. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED OR ERROR-FREE OPERATION.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT AI OUTPUTS, IMPORTS, CATEGORIES, SCORES, OR INSIGHTS WILL BE ACCURATE, COMPLETE, CURRENT, OR SUITABLE FOR ANY PURPOSE, OR THAT THE SERVICE WILL PREVENT FINANCIAL LOSS, DETECT ALL FRAUD, OR MEET YOUR LEGAL, TAX, OR ACCOUNTING REQUIREMENTS.

Some jurisdictions do not allow certain warranty exclusions; in those cases, exclusions apply to the fullest extent permitted.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, KLYRR AND ITS DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY; OR FOR COST OF SUBSTITUTE SERVICES; ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF: (A) THE AMOUNTS YOU PAID TO KLYRR FOR THE SERVICE IN THE TWELVE (12) MONTHS IMMEDIATELY BEFORE THE EVENT GIVING RISE TO LIABILITY; OR (B) ONE HUNDRED CANADIAN DOLLARS (CAD $100).

THESE LIMITATIONS ARE A FUNDAMENTAL PART OF THE BARGAIN AND APPLY EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE. NOTHING IN THESE TERMS EXCLUDES LIABILITY THAT CANNOT BE EXCLUDED UNDER APPLICABLE LAW (INCLUDING CERTAIN LIABILITY FOR GROSS NEGLIGENCE OR WILLFUL MISCONDUCT WHERE SUCH EXCLUSION IS PROHIBITED).

13. Indemnification

You agree to defend, indemnify, and hold harmless Klyrr and its affiliates, officers, directors, employees, and agents from and against any claims, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) your Financial Data or other content; (b) your use of the Service; (c) your breach of these Terms; (d) your violation of law or third-party rights; or (e) disputes among users of a shared finance file.

14. Suspension and termination

You may stop using the Service and request account deletion as described in the Privacy Policy or via our contact channels, subject to legal retention needs.

We may suspend or terminate access immediately if we reasonably believe you violated these Terms, create risk or legal exposure, fail to pay fees, or if we discontinue the Service. Upon termination, your license ends. Provisions that by nature should survive (including ownership, disclaimers, limitations, indemnity, and governing law) will survive.

15. Changes to the Service or Terms

We may update these Terms from time to time. We will post the updated Terms with a revised "Last updated" date and, where required by law or where changes are material, provide additional notice (for example via email or in-product notice). Continued use after the effective date constitutes acceptance of the updated Terms, except where mandatory law requires express consent. If you do not agree, stop using the Service and delete your account.

16. Governing law and disputes

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the Province of Quebec and the federal laws of Canada applicable therein, without regard to conflict-of-law rules.

Subject to mandatory consumer protections that cannot be waived, the courts of the Province of Quebec (district of Montreal) will have exclusive jurisdiction. If you are a consumer resident in another Canadian province or territory, mandatory local consumer protection laws may also apply and nothing in these Terms limits non-waivable statutory rights.

Before filing a claim, you agree to contact us via the Contact page and attempt in good faith to resolve the dispute informally for at least thirty (30) days.

17. Export, force majeure, and miscellaneous

You will comply with applicable export and sanctions laws. We are not liable for delays or failures due to events beyond our reasonable control (including outages of cloud, AI, or payment providers, internet failures, labor disputes, epidemics, or government actions).

If any provision is held unenforceable, the remainder stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. These Terms, together with the Privacy Policy and any plan-specific notices, are the entire agreement between you and Klyrr regarding the Service and supersede prior understandings on that subject.

The English and French versions of these Terms are both provided for convenience. If there is a conflict between versions, the English version prevails to the extent permitted by law, except where mandatory local law requires otherwise (including certain consumer rights in Quebec).

18. Contact

Questions about these Terms: use the Contact form at klyrr.ca/contact (or the French equivalent). We operate the Service under the brand name Klyrr at https://klyrr.ca and https://app.klyrr.ca.