Terms of Service

By accessing or using Tranxacty, creating an account, connecting a financial account, starting a trial, purchasing a subscription, or clicking to accept these terms, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, do not use Tranxacty.

These Terms incorporate Tranxacty's related legal policies by reference, including the Billing And Refund Policy, Acceptable Use Policy, Connected Accounts Disclosure, Security page, Data Deletion Policy, and Cookie Policy.

If you use Tranxacty on behalf of a business or other entity, you represent that you have authority to bind that entity, and references to "you" include that entity and its authorized users.

Tranxacty provides connected bookkeeping software for small businesses. The service may include bank and card account connections, transaction syncing, categorization, custom labels, bookkeeping profiles, automation rules, review workflows, billing management, and related tools.

Tranxacty is software only. We are not a bank, credit card issuer, accounting firm, tax preparer, payroll provider, broker, lender, money transmitter, financial adviser, legal adviser, or certified public accountant.

You must be at least 18 years old and legally able to enter into binding contracts. You are responsible for all activity under your account, including activity by team members, invited users, and anyone with access to your credentials or devices.

You agree to provide accurate account, billing, business, and contact information, keep that information current, protect your login credentials, use appropriate access controls, and notify us promptly of suspected unauthorized access or misuse.

You may choose to connect financial accounts through third-party providers such as Plaid. By connecting an account, you authorize Tranxacty and its providers to access, process, store, and display account and transaction information to provide the service.

You represent that you have the right to connect each financial account and to share the related data with Tranxacty. You are responsible for complying with your financial institution terms and for reviewing connected account data for accuracy.

Financial institution data may be delayed, unavailable, incomplete, duplicated, inaccurate, reclassified, or changed by the institution or provider. Tranxacty is not responsible for bank, card issuer, Plaid, network, institution, API, or data-provider outages, restrictions, inaccuracies, or discontinued support.

Tranxacty does not provide tax, legal, accounting, audit, payroll, investment, lending, or financial advice. Categories, rules, custom labels, transaction suggestions, summaries, exports, dashboards, and reports are provided for convenience and may be wrong, incomplete, or unsuitable for your circumstances.

You are solely responsible for reviewing and approving your books, maintaining source documents, preserving records, filing tax returns, making payments, complying with laws, and obtaining professional advice from qualified accountants, tax professionals, attorneys, or other advisers.

You should not rely on Tranxacty as the sole record for audits, tax filings, financing, legal disputes, investor reporting, payroll, payroll tax, sales tax, income tax, or regulatory compliance.

Paid features require an active subscription. Subscriptions, trials, invoices, renewals, payment methods, upgrades, downgrades, cancellations, and failed payments are processed by Stripe. By purchasing a subscription or starting a trial, you authorize recurring charges according to the selected plan, billing interval, and then-current pricing.

If a free trial requires a payment method, your payment method may be charged automatically when the trial ends unless you cancel before the trial expires. Upgrades may be charged immediately and may include prorated amounts. Downgrades, cancellations, or account changes may take effect immediately or at the end of the billing period depending on the billing flow shown at the time.

If payment fails, is reversed, is disputed, or cannot be processed, we may suspend, limit, or terminate access to paid features. Fees are non-refundable except where required by law or expressly stated in writing by Tranxacty.

Except where required by applicable law, subscription fees, renewal charges, upgrade charges, annual plan charges, and other paid service fees are non-refundable. You are responsible for reviewing the plan, billing interval, price, trial terms, renewal date, and cancellation settings before completing checkout or allowing a subscription to renew.

We generally do not provide refunds because you did not like the service, no longer need the service, forgot to cancel before a trial or renewal date, selected an annual plan instead of a monthly plan, did not use the service after subscribing, connected the wrong account, misunderstood a feature, experienced expected limitations of bank-data availability, or failed to cancel through the billing portal before the next charge.

Canceling a subscription stops future charges according to the cancellation terms shown in the billing flow, but it does not automatically create a refund or credit for prior charges, unused time, partial billing periods, or already-renewed subscription periods. If applicable law gives you refund, cancellation, or consumer rights that cannot be waived, those rights still apply.

You retain ownership of the business information, transaction classifications, rules, custom labels, profile names, and other content you submit or create. You grant Tranxacty a limited right to host, process, store, copy, transmit, display, and use that content as needed to provide, secure, support, and improve the service and comply with law.

You are responsible for the accuracy, legality, backup, export, and retention of your records. Tranxacty is not responsible for lost profits, lost data, corrupted data, missing transactions, incorrect classifications, or failure to maintain independent records.

You agree not to:

• Use Tranxacty for unlawful, deceptive, or fraudulent activity.
• Access or connect accounts you do not own or are not authorized to use.
• Interfere with, disrupt, overload, reverse engineer, scrape, or bypass security controls of the service.
• Upload malicious code or use Tranxacty to compromise another system, account, or user.
• Misrepresent financial, tax, business, identity, ownership, or authorization information.
• Resell, sublicense, or provide Tranxacty as a service bureau unless we agree in writing.
• Use the service in a way that violates third-party terms, financial institution rules, payment network rules, or applicable law.

Tranxacty depends on third-party services such as Plaid, Stripe, Supabase, Vercel, Google, financial institutions, payment networks, and infrastructure providers. Those services may be subject to their own terms, privacy policies, security practices, availability limits, and fees.

We are not responsible for third-party acts, omissions, outages, data inaccuracies, payment failures, account restrictions, regulatory requirements, or discontinued integrations.

We use reasonable safeguards designed to protect the service and user data, but we do not guarantee that Tranxacty will be uninterrupted, error-free, fully secure, or free from data loss. Maintenance, provider outages, internet failures, bank connectivity issues, attacks, bugs, or events outside our control may affect availability or data accuracy.

You are responsible for using secure devices, strong passwords, appropriate team permissions, and independent backups or exports of important business records.

We may suspend, limit, or terminate access to Tranxacty if we believe you violated these terms, failed to pay, created legal or security concerns, misused the service, infringed rights, or harmed Tranxacty, other users, or third parties.

You may stop using Tranxacty at any time. Cancellation of a paid subscription does not automatically delete all retained data, billing records, logs, or records we are legally or operationally permitted to retain.

To the maximum extent permitted by law, Tranxacty is provided "as is" and "as available" without warranties of any kind, whether express, implied, statutory, or otherwise. We disclaim warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, security, and reliability.

We do not warrant that transaction data, categories, rules, labels, reports, exports, balances, subscription states, bank connections, or third-party services will be accurate, current, complete, uninterrupted, or suitable for tax, accounting, legal, financing, audit, or compliance purposes.

To the maximum extent permitted by law, Tranxacty and its owners, officers, employees, contractors, affiliates, suppliers, and providers will not be liable for indirect, incidental, special, consequential, exemplary, punitive, or enhanced damages, or for lost profits, lost revenue, lost data, business interruption, replacement services, tax penalties, audit outcomes, accounting errors, unauthorized access, third-party failures, or financial losses, even if we have been advised of the possibility of those damages.

To the maximum extent permitted by law, Tranxacty's total liability for all claims relating to the service will not exceed the greater of the amount you paid to Tranxacty for the service in the three months before the event giving rise to the claim or one hundred dollars.

You agree to defend, indemnify, and hold harmless Tranxacty and its owners, officers, employees, contractors, affiliates, suppliers, and providers from claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising from or related to your use of the service, your data, your connected accounts, your violation of these terms, your violation of law, your misuse of third-party services, or your infringement of any rights.

These terms are governed by applicable United States law and the laws of the state where Tranxacty is legally organized, without regard to conflict-of-law rules. Where permitted by law, you agree to first try to resolve disputes informally by contacting us at the email below.

Any dispute process, venue, arbitration requirement, jury waiver, or class action waiver should be reviewed and customized by legal counsel before launch because enforceability varies by state, customer type, and use case.

We may change, suspend, discontinue, or limit any part of Tranxacty at any time. We may update these terms from time to time. If changes are material, we may notify you through the service, email, or other reasonable means. Continued use after the effective date of updated terms means you accept the updated terms.

For questions about these terms, contact Tranxacty at tranxacty@gmail.com.