Terms of Service

Onyx provides an artificial intelligence-driven productivity dashboard that automates raw financial transaction data entry, categorizes historical vendor expenses, flags recurring subscriptions, and formats basic bookkeeping summaries. To unlock the full functional capacity of the Software, you must register an account and maintain active, validated bank connections powered by our third-party infrastructure integrations (Plaid). You are solely responsible for maintaining the privacy of your internal login tokens and user passwords.

You explicitly acknowledge and agree that Onyx is a data organization software platform and is not a professional accounting service, tax advisory, financial planner, or legal counsel.

Onyx is not registered or licensed as a Chartered Professional Accountant (CPA) firm with any provincial accounting body in Canada, nor is it a licensed CPA firm or registered tax preparer in any state or territory of the United States.

The Software, its automated expense classifications, its tax-deduction discovery features, and any generated financial summaries do not constitute formal professional advice.

Tax codes are highly complex and change frequently. The Software's automated categorizations are directional suggestions generated by AI, which can hallucinate, misinterpret context, or misclassify financial information. You bear sole responsibility for verifying the validity, accuracy, and legality of all expense allocations. You are strictly required to review, verify, and validate your financial outputs with a licensed human CPA or qualified tax practitioner before submitting any official filings to tax authorities (including the CRA and IRS).

Subscription Tiers: Access to the Software is billed on a recurring subscription basis.

Payment & Invoicing: All payment processing is completed securely through Stripe. By selecting a paid subscription tier, you authorize Stripe to charge your payment method automatically at the interval chosen.

Promotional Terms: Promotional rates may be offered from time to time. Regardless of promotional rates or changing pricing frameworks, the dynamic cap detailed in Section 5 below will remain explicitly bound to the aggregate net dollar figures actually collected by us from you over the specified period.

Cancellations: You may terminate your subscription status at any moment within your dashboard interface. Payments are non-refundable for partial subscription terms.

To the maximum extent permitted under applicable law, the Software is provided to you strictly on an "AS IS" and "AS AVAILABLE" basis, with all faults, bugs, errors, and system hallucinations. The Company, its partners, and suppliers explicitly disclaim all representations and warranties — express, implied, statutory, or otherwise. This includes any implied warranties of merchantability, fitness for a particular business purpose, data accuracy, operational security, and non-infringement. We make no guarantees that the financial summaries, math processing, or deduction discoveries will be completely accurate, uninterrupted, free of software glitches, or legally compliant with regional tax codes.

To the maximum extent permitted by applicable law in the Province of Ontario and the United States, the aggregate, total, and cumulative financial liability of the Company, its founders, directors, employees, or operational partners for any and all claims, damages, court fees, losses, or systemic data inaccuracies arising out of or related to these Terms or the use of the Software — whether grounded in contract, tort (including active or passive negligence), professional liability, strict liability, statutory violation, or otherwise — shall be strictly limited to, and shall never exceed, the total aggregate net dollar amount actually paid by you to the Company for your active Software subscription during the twelve (12) months immediately preceding the chronological event giving rise to the liability claim. If you are using the software on a trial or complimentary tier, you acknowledge that our total liability to you is capped at exactly $0.00 (USD/CAD).

To the maximum extent permitted by applicable law, under no legal theory whatsoever shall the Company, its founders, officers, or third-party providers be liable to you or any third-party claimant for any indirect, incidental, special, exemplary, punitive, or consequential damages.

This absolute exclusion strictly includes, without limitation:

• Loss of business profits, loss of commercial revenue, or business interruption. • Financial penalties, tax assessments, interest fees, or late-payment adjustments levied against you by any government agency (including the CRA and IRS). • Billable hourly fees charged by external human CPAs or accountants hired to audit, reconstruct, or correct financial data exported from the Software. • Loss of operational business data, system downtime, computer failures, or loss of goodwill.

This waiver stands firm even if the Company has been explicitly warned of the potential for such financial damages, and even if a limited remedy listed within these terms fails of its essential purpose.

The Software operates on a user-directed model. You maintain complete administrative oversight over your data profile. You are entirely responsible for verifying and explicitly approving or rejecting all ledger items, expense categorizations, and subscription classifications surfaced within the UI dashboard.

Prior to downloading, exporting, or transmitting any year-end summaries, ledger spreadsheets, or CPA data packages, you will be required to complete an active confirmation checkpoint. By proceeding with the data export, you explicitly certify that you have reviewed your financial reports for factual accuracy, accept all compliance risks, and waive any right to claim that financial misclassifications were executed without your direct oversight.

These Terms, along with your software account relationship, shall be governed by, interpreted, and enforced exclusively in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to any conflict of law rules.

For all users — including international users accessing the platform from the United States — you explicitly agree that any legal lawsuit, dispute, arbitration, or judicial proceeding arising out of or relating to these Terms or the Software must be initiated and tried exclusively in a court of competent jurisdiction located in Toronto, Ontario, Canada. You hereby irrevocably submit to the exclusive personal jurisdiction of the Ontario courts and explicitly waive any territorial objections to venue or convenience of the forum (forum non conveniens).

If any specific paragraph or clause of these Terms is deemed invalid, unlawful, or unenforceable by an Ontario court or authorized legal arbiter, that specific section will be modified to the minimum extent necessary to make it legally enforceable, and the remaining terms of this agreement shall continue in full legal force and effect. These Terms constitute the entire, complete agreement between you and the Company regarding the Software.