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Ameliatory Terms of Service

Last Updated: March 22, 2025

1. Introduction

Welcome to Ameliatory. These Terms of Service ("Terms") govern your access to and use of the Ameliatory services, including our website, applications, APIs, and payment card services (collectively, the "Services") provided by Ameliatory LLC ("Company," "we," "our," or "us").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Services. If you are using the Services on behalf of an organization, you are agreeing to these Terms on behalf of that organization, and you represent and warrant that you have the authority to do so.

2. Definitions

  • "Account" means a unique account created for you to access our Services.
  • "User", "You", and "Your" refer to the individual or entity accessing or using the Services.
  • "Content" means any information, data, text, software, graphics, or other materials that you upload, submit, post, or transmit through the Services.
  • "Financial Data" means any information related to financial accounts, transactions, balances, payment methods, or other financial information processed through the Services.

3. Account Registration and Requirements

3.1 Account Creation

To use certain features of the Services, you must register for an Account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

3.2 Account Security

You are responsible for safeguarding your Account credentials and for any activities or actions under your Account. You agree to notify us immediately of any unauthorized access to or use of your Account.

3.3 Business Requirements

The Services are intended for business use only. You represent and warrant that:

  • You are a legitimate business entity or sole proprietor
  • You have a valid Employer Identification Number (EIN) or Tax Identification Number (TIN)
  • You comply with all applicable laws and regulations related to your business
  • You are authorized to conduct business in the jurisdictions where you operate

4. Services Description

4.1 Financial Management Services

Ameliatory provides financial management services that integrate with accounting platforms such as QuickBooks Online. These services may include transaction classification, data import, financial analysis, and reporting.

4.2 Payment Card Services

Ameliatory may provide payment card services through our banking partners. These services allow you to issue and manage payment cards for your business.

4.3 Service Modifications

We reserve the right to modify, suspend, or discontinue any part of the Services at any time. We will provide notice of material changes to the Services when reasonably possible.

5. Financial Connections and Data

5.1 Third-Party Connections

The Services may allow you to connect to third-party financial institutions and accounting platforms. You authorize us to access and retrieve your data from these third parties on your behalf.

5.2 Data Use

You grant us permission to use your Financial Data to provide and improve the Services, including:

  • Analyzing and categorizing transactions
  • Generating financial insights and forecasts
  • Processing payments and managing payment cards
  • Detecting and preventing fraud

5.3 Data Accuracy

While we strive to ensure the accuracy of financial information, we do not guarantee the accuracy, completeness, or timeliness of any Financial Data. You are responsible for verifying the accuracy of all Financial Data and making any necessary corrections.

6. Payment and Billing

6.1 Subscription Fees

You agree to pay all fees associated with your Account. Fees may vary based on your subscription plan and usage of the Services. All fees are exclusive of applicable taxes unless stated otherwise.

6.2 Payment Methods

You must provide a valid payment method to use the Services. You authorize us to charge your payment method for all fees incurred.

6.3 Billing Cycle

Subscription fees are billed in advance on a recurring basis. Usage-based fees are billed in arrears. You are responsible for paying all fees in a timely manner.

6.4 Fee Changes

We may change our fees at any time. We will provide notice of any fee changes at least 30 days before they become effective.

6.5 Refunds

Fees are non-refundable except as required by law or as explicitly stated in these Terms.

7. Payment Card Terms

7.1 Card Issuance

Payment cards are issued by our banking partners. Card issuance is subject to identity verification and approval by our banking partners.

7.2 Card Usage

Payment cards may only be used for legitimate business expenses. You agree not to use payment cards for any illegal or prohibited purpose.

7.3 Card Limits

We may impose limits on card usage, including transaction limits, monthly spending limits, and merchant category restrictions.

7.4 Card Termination

We reserve the right to suspend or terminate payment cards at any time for any reason, including suspected fraud or violation of these Terms.

8. User Responsibilities and Prohibited Activities

8.1 Compliance with Laws

You agree to comply with all applicable laws, regulations, and industry standards when using the Services.

8.2 Prohibited Activities

You agree not to:

  • Use the Services for any illegal purpose or in violation of any laws
  • Attempt to gain unauthorized access to the Services or other users' accounts
  • Interfere with or disrupt the integrity or performance of the Services
  • Copy, modify, distribute, sell, or lease any part of the Services
  • Reverse engineer or attempt to extract the source code of the Services
  • Upload or transmit any viruses, malware, or other malicious code
  • Use the Services in any manner that could damage, disable, overburden, or impair the Services

9. Intellectual Property Rights

9.1 Our Intellectual Property

The Services and their entire contents, features, and functionality are owned by Ameliatory LLC and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

9.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to use the Services solely for your internal business purposes in accordance with these Terms.

9.3 Feedback

If you provide us with any feedback or suggestions regarding the Services, you grant us the right to use such feedback without restriction and without compensation to you.

10. Privacy and Data Security

10.1 Privacy Policy

Our Privacy Policy governs our collection and use of your information. By using the Services, you consent to our collection and use of your information as described in our Privacy Policy.

10.2 Data Security

We implement reasonable security measures to protect your data. However, no security system is impenetrable, and we cannot guarantee the security of your data.

10.3 Compliance with Data Protection Laws

We comply with applicable data protection laws. If you are subject to specific data protection requirements (such as GDPR), you are responsible for ensuring that your use of the Services complies with those requirements.

11. Third-Party Services

11.1 Third-Party Integrations

The Services may integrate with or enable access to third-party services, such as accounting platforms and financial institutions. Your use of these third-party services is subject to their terms of service and privacy policies.

11.2 No Endorsement

We do not endorse, warrant, or guarantee the reliability, accuracy, or performance of any third-party service that you may access through the Services.

12. Disclaimers and Limitations of Liability

12.1 Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

12.2 Financial Disclaimer

THE INFORMATION PROVIDED THROUGH THE SERVICES IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSIDERED FINANCIAL, ACCOUNTING, OR TAX ADVICE. WE ARE NOT FINANCIAL ADVISORS, ACCOUNTANTS, OR TAX ADVISORS. YOU SHOULD CONSULT WITH A PROFESSIONAL ADVISOR BEFORE MAKING ANY FINANCIAL DECISIONS.

12.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOST PROFITS, LOSS OF DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE SERVICES.

IN NO EVENT SHALL OUR TOTAL LIABILITY FOR ALL CLAIMS RELATED TO THE SERVICES EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID TO US FOR THE SERVICES IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

13. Indemnification

You agree to indemnify, defend, and hold harmless Ameliatory LLC and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including attorney's fees) arising from or related to:

  • Your use of the Services
  • Your violation of these Terms
  • Your violation of any third-party right, including any intellectual property right or privacy right
  • Your violation of any applicable law, rule, or regulation

14. Term and Termination

14.1 Term

These Terms will remain in effect until terminated by you or us.

14.2 Termination by You

You may terminate these Terms at any time by canceling your Account and discontinuing use of the Services.

14.3 Termination by Us

We may terminate or suspend your Account and access to the Services at any time for any reason, including if we believe that you have violated these Terms.

14.4 Effect of Termination

Upon termination of these Terms, your right to use the Services will immediately cease. Any provisions of these Terms that by their nature should survive termination shall survive termination, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

15. Changes to Terms

We may update these Terms from time to time. If we make material changes, we will notify you through the Services or by sending you an email or other communication. Your continued use of the Services after the effective date of the revised Terms constitutes your acceptance of the revised Terms.

16. Governing Law and Dispute Resolution

16.1 Governing Law

These Terms and your use of the Services shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

16.2 Dispute Resolution

Any dispute arising out of or relating to these Terms or the Services shall be resolved through binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association. The arbitration shall be conducted in Delaware, unless we agree otherwise.

16.3 Waiver of Class Actions

YOU AND AMELIATORY LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

17. General Provisions

17.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Services.

17.2 Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.

17.3 No Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

17.4 Assignment

You may not assign or transfer these Terms or your rights and obligations under these Terms without our prior written consent. We may assign or transfer these Terms without your consent.

17.5 Force Majeure

We will not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to acts of God, natural disasters, pandemic, war, terrorism, riots, civil unrest, government action, labor disputes, or internet service provider failures.

18. Contact Information

If you have any questions about these Terms, please contact us at:

Email: legal@ameliatory.com
By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.