Terms of Service

1. Acceptance and eligibility

You may use Stacko only if you can form a binding contract and are legally permitted to do so. If you use Stacko for a business or other organization, you represent that you have authority to bind that organization.

If you do not agree to these Terms, do not use Stacko.

2. What Stacko provides

Stacko provides bookkeeping tools for businesses run by one person, including read-only bank and card connections, statement import, transaction review, receipt capture with OCR-assisted data extraction, expense categorization, duplicate detection, exports, and a year-end package for your accountant.

Stacko may also provide optional read-only bank or card transaction import features to help users match transactions to receipts and identify missing expense records.

Stacko is not a bank, accounting firm, bookkeeping firm, tax preparer, law firm, payroll provider, financial adviser, investment adviser, or government filing service.

Stacko does not file tax returns, remit taxes, make government filings, initiate payments, transfer money, hold funds, or guarantee that your records, deductions, exports, or calculations will be accepted by the CRA or any other authority.

3. Newly released service and evolving features

Stacko is a newly released service. Some features may be new, changing, limited, promotional, experimental, incomplete, inaccurate, unstable, rate-limited, suspended, or discontinued at any time.

We may add, remove, restrict, or modify features, limits, pricing, eligibility, storage, exports, AI behavior, or availability without liability to you.

You should keep independent copies of important receipts, exports, tax records, and business records.

4. Your account

You are responsible for your account, credentials, devices, email access, authorized users, and all activity under your account.

You must provide accurate account information and keep it current. We may refuse, suspend, or terminate accounts at our discretion, including where we believe there is risk, abuse, non-payment, legal exposure, security concern, or violation of these Terms.

You must notify us promptly if you suspect unauthorized access to your account.

5. Your content and records

You retain ownership of receipts, files, data, notes, and other content you submit to Stacko. You grant Stacko a worldwide, non-exclusive, royalty-free licence to host, copy, process, transmit, display, analyze, and create derived outputs from your content as needed to provide, secure, support, and improve the service.

You represent that you have all rights, consents, permissions, and authority required to upload and process your content through Stacko.

You are solely responsible for the accuracy, completeness, legality, retention, classification, tax treatment, and backup of your records.

6. Tax, accounting, and financial disclaimer

Stacko outputs are informational only and are not tax, accounting, legal, financial, investment, payroll, or professional advice.

OCR, AI extraction, categories, duplicate detection, insights, exports, and tax calculations may be wrong, incomplete, outdated, delayed, or based on assumptions that do not apply to you.

You are responsible for reviewing all outputs and consulting qualified professionals before making tax, accounting, business, legal, or financial decisions.

You are responsible for determining whether expenses are deductible, whether taxes apply, which forms must be filed, which records must be retained, and whether any filing, remittance, or payment is due.

7. Acceptable use

You may not use Stacko to violate law, infringe rights, mislead others, upload unlawful content, process information without required authority, interfere with service operations, bypass limits, scrape, reverse engineer, probe, attack, or abuse Stacko or its providers.

You may not use Stacko to generate fraudulent records, conceal transactions, evade taxes, launder money, misrepresent expenses, or support unlawful business activity.

We may investigate suspected violations and may suspend or terminate access, remove content, preserve evidence, notify authorities, or cooperate with legal requests.

8. Plans, payment, and taxes

Some features may be free, paid, usage-limited, invite-only, promotional, or available only for limited periods. Paid terms will be shown at checkout or in the applicable plan page when billing is enabled.

Paid subscriptions are non-refundable to the maximum extent permitted by law. You may cancel a subscription at any time from Billing settings. Cancellation takes effect at the end of your current billing period, and you will retain paid access until then. We do not provide prorated refunds or credits for unused time, except where required by law or approved by us at our discretion.

One-time AI scan packs are non-refundable once purchased. Unused scan credits may expire according to the terms shown at purchase.

You are responsible for applicable taxes, payment method validity, and any charges incurred through your account.

We may change pricing, limits, included features, trials, discounts, and billing terms prospectively. We will use reasonable efforts to provide notice where required by law or by the payment flow.

We do not intend to advertise unattainable prices. Mandatory non-government fees should be disclosed before purchase when paid plans are offered.

9. Third-party services

Stacko relies on third-party services for hosting, authentication, database, storage, email, payments, AI/OCR, analytics, error monitoring, and other infrastructure.

Third-party services may have their own terms, privacy practices, limitations, outages, and security controls. We are not responsible for third-party services except to the extent required by law.

If you choose to connect a bank or card account through Plaid or another provider, your use of that connection may be subject to the provider's terms and privacy practices. Bank connections in Stacko are intended for read-only transaction import and receipt matching, not money movement.

If Stacko later integrates with accountants, payment providers, email providers, bookkeeping tools, or AI clients, your use of those integrations may be subject to additional third-party terms.

10. Service availability and changes

Stacko may be unavailable, interrupted, delayed, insecure, or error-prone. We do not guarantee uptime, data availability, data recovery, uninterrupted access, or continued feature availability.

We may perform maintenance, impose limits, throttle usage, change functionality, suspend features, or discontinue all or part of Stacko at any time.

11. Intellectual property

Stacko and its software, designs, trademarks, trade names, logos, workflows, interfaces, documentation, and underlying technology are owned by Stacko or its licensors and are protected by intellectual property laws.

Except for the limited right to use Stacko under these Terms, no rights are transferred to you.

12. Feedback

If you provide feedback, suggestions, ideas, bug reports, screenshots, or recommendations, you grant us the right to use them without restriction, attribution, or compensation.

13. Disclaimers

To the maximum extent permitted by law, Stacko is provided "as is", "as available", and "with all faults". We disclaim all warranties and conditions, express, implied, statutory, or otherwise, including merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, and reliability.

We do not warrant that Stacko will meet your requirements, be uninterrupted, secure, timely, error-free, accurate, complete, or compatible with your systems or professional obligations.

14. Limitation of liability

To the maximum extent permitted by law, Stacko and its owners, operators, employees, contractors, affiliates, suppliers, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, punitive, or enhanced damages, or for lost profits, lost revenue, lost savings, lost data, business interruption, tax penalties, professional fees, replacement services, or loss of goodwill.

To the maximum extent permitted by law, our total aggregate liability for all claims relating to Stacko or these Terms will not exceed the greater of: (a) the amounts you paid to Stacko for the service giving rise to the claim in the 3 months before the event giving rise to liability; or (b) CAD $100.

The limitations apply even if a remedy fails of its essential purpose and even if we have been advised of the possibility of damages.

15. Indemnity

You will defend, indemnify, and hold harmless Stacko and its owners, operators, employees, contractors, affiliates, suppliers, and service providers from claims, damages, liabilities, losses, costs, and expenses, including reasonable legal fees, arising from your content, your use of Stacko, your violation of these Terms, your violation of law, your tax/accounting decisions, or your infringement of third-party rights.

16. Suspension and termination

We may suspend, restrict, or terminate your access at any time if we believe it is necessary to protect Stacko, users, providers, the public, or our legal interests.

You may stop using Stacko at any time. Certain provisions of these Terms will survive termination, including ownership, disclaimers, limitations of liability, indemnity, payment obligations, dispute provisions, and any terms that by nature should survive.

17. Governing law and disputes

These Terms are governed by the laws of British Columbia and the federal laws of Canada applicable there, without regard to conflict-of-law rules.

You agree that disputes will be brought only in the courts located in British Columbia, Canada, unless we elect another forum available under applicable law or unless applicable consumer law requires otherwise.

You and Stacko each waive any right to participate in a class action, representative action, or jury trial to the maximum extent permitted by law.

18. Changes to these Terms

We may update these Terms from time to time. The updated version will be posted with a new effective date. Continued use of Stacko after changes become effective means you accept the updated Terms, to the extent permitted by law.

19. Contact

Questions about these Terms can be sent to support@stacko.ca.