Terms of Service

Pluto is a cloud-based bookkeeping, expense tracking, invoicing, mileage tracking, and team management platform designed for small businesses, sole traders, and self-employed individuals ("the Service"). The Service is provided by 17737734 Canada Inc., operating as Pluto ("we", "us", "our"), a company federally incorporated in Canada, and is accessible via the Pluto mobile app and web dashboard at plutosuite.com.

These Terms of Service ("Terms") form a legally binding agreement between you and 17737734 Canada Inc. (operating as Pluto) governing your access to and use of the Service.

• You must be at least 18 years old to use Pluto.
• You must have the legal authority to bind yourself or the business entity on whose behalf you are using the Service.
• Pluto is intended for business use. You may not use it as a consumer for purely personal (non-business) financial tracking.
• You must provide accurate and complete registration information and keep it up to date.
• If you are accepting these Terms on behalf of a company or other legal entity, you represent that you have authority to bind that entity, and "you" in these Terms refers to that entity.

You are responsible for maintaining the confidentiality of your account credentials. You must notify us immediately at security@plutosuite.com if you suspect unauthorised access to your account.

You are responsible for all activity that occurs under your account. We will not be liable for losses resulting from unauthorised use of your account where you have failed to keep your credentials secure.

You may not share your account credentials with others or allow multiple individuals to access the Service under a single account. Each user must have their own account. Team access is managed through Pluto's built-in roles and invitations system.

Certain features of Pluto require a paid subscription ("Pluto Pro"). By subscribing, you agree to pay the applicable fees as described at the time of purchase. All fees are processed by Stripe, our third-party payment processor.

• Billing cycle: Subscriptions are billed monthly or annually in advance, depending on your selected plan.
• Auto-renewal: Subscriptions automatically renew at the end of each billing period. You can cancel at any time from the Billing section of your account before the renewal date to stop future charges.
• Price changes: We will give you at least 30 days' notice of any price increase by email. Continued use after the effective date constitutes acceptance of the new pricing.
• Refunds: Subscription fees are generally non-refundable, except where required by applicable law. If you believe you are entitled to a refund due to a service outage or error on our part, contact us at support@plutosuite.com within 14 days of the charge.
• Free trials: If you activate a free trial, you will not be charged until the trial period ends. You may cancel before the trial ends to avoid any charge. We will remind you by email before your trial converts to a paid subscription.
• Downgrade: If you downgrade from Pro to Free, your Pro access continues until the end of your current paid period. No partial refunds are issued for unused time, except at our sole discretion within 24 hours of purchase.
• Taxes: Prices shown exclude applicable taxes (GST/HST, VAT, sales tax, etc.), which will be calculated and added at checkout where required by law. You are responsible for any taxes applicable to your use of the Service.
• Failed payments: If a payment fails, we will attempt to retry it. We reserve the right to suspend access to Pro features until outstanding amounts are settled.

You agree to use Pluto only for lawful business purposes. You must not:

• Use Pluto to facilitate fraud, tax evasion, money laundering, or any illegal activity
• Attempt to gain unauthorised access to any part of the Service or its infrastructure
• Reverse-engineer, decompile, or attempt to extract source code from the Service
• Upload malicious code, viruses, or anything designed to interfere with the Service
• Scrape, crawl, or systematically extract data from the Service without our written permission
• Resell, sublicense, or otherwise commercialise the Service without our written permission
• Use the Service in a way that could harm its availability or performance for other users
• Impersonate another person or business, or misrepresent your affiliation with any entity
• Use the Service in any jurisdiction where its use is prohibited by applicable law

We reserve the right to suspend or terminate accounts that violate these rules, with or without prior notice depending on the severity of the violation.

You retain full ownership of all financial data, receipts, invoices, and other content you upload to Pluto ("Your Data"). By using the Service, you grant us a limited, non-exclusive, worldwide licence to process, store, and display Your Data solely for the purpose of providing the Service to you.

We do not claim ownership of Your Data, sell it to third parties, or use it to train AI models without your explicit consent. When you delete Your Data or close your account, we delete it as described in our Privacy Policy.

You represent and warrant that you have all rights necessary to upload Your Data to Pluto and that doing so does not violate any third-party rights or applicable law.

You are responsible for the accuracy of the data you enter. Pluto provides tools (OCR parsing, bank sync) to assist, but you should review all data for correctness before relying on it for tax, accounting, or business decisions. Pluto is a tool — not a substitute for a qualified accountant.

Pluto integrates with third-party services including Plaid (bank connectivity), Stripe (payments), Firebase (authentication), Google Cloud Vision (OCR), and others. By enabling these integrations, you also agree to the relevant third party's terms of service and privacy policy. We are not responsible for the acts or omissions of third-party services, including any downtime, data loss, or changes to their APIs that affect Pluto's functionality.

We may add, modify, or remove third-party integrations at any time. Where a removal would materially affect your workflow, we will provide reasonable advance notice.

We aim to keep Pluto available around the clock, but we do not guarantee uninterrupted access. The Service is provided on an "as available" basis and may be temporarily unavailable due to:

• Scheduled maintenance (we will endeavour to give advance notice where possible)
• Unplanned outages due to infrastructure failures or third-party service issues
• Security incidents requiring emergency intervention
• Events outside our reasonable control (see Force Majeure, Section 16)

We monitor the Service continuously and aim to resolve unplanned outages as quickly as possible. We do not offer a formal Service Level Agreement (SLA) at this time. During significant outages, we will communicate updates via email and our social channels.

We may make beta, preview, or early-access features available to some or all users from time to time. These features are provided "as is," without any warranty, and may be incomplete, contain bugs, or be discontinued at any time without notice. Your use of beta features is at your own risk and does not entitle you to any compensation if the feature is removed or changed.

Feedback you provide about beta features is especially valuable to us and is subject to Section 10 (Intellectual Property) below.

The Pluto platform, including its software, design, trademarks, brand assets, and documentation, is owned by Pluto Suite Inc. and protected by applicable intellectual property laws. These Terms do not grant you any rights to our intellectual property other than the limited right to use the Service as described herein.

If you provide feedback, bug reports, or suggestions about the Service, you grant us a perpetual, irrevocable, worldwide, royalty-free licence to use that feedback for any purpose without restriction or compensation to you.

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, we disclaim all warranties including implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.

Pluto is a bookkeeping tool — it is not a licensed accounting firm and does not provide legal, accounting, tax, or financial advice. Automated features (OCR extraction, expense categorisation, mileage calculation) may contain errors and should be reviewed before use. You should consult a qualified professional for advice specific to your situation. Do not rely solely on Pluto for compliance with tax obligations.

We do not warrant that the Service will meet your specific requirements, that it will be error-free, or that defects will be corrected within any particular timeframe.

To the maximum extent permitted by applicable law, 17737734 Canada Inc.'s total aggregate liability to you for all claims arising from or related to these Terms or the Service is limited to the greater of: (a) the total fees you paid to Pluto in the 12 months immediately preceding the claim, or (b) CAD $100.

In no event will Pluto be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to loss of profits, loss of revenue, loss of data, loss of goodwill, business interruption, or cost of substitute services — even if we have been advised of the possibility of such damages and even if a limited remedy fails of its essential purpose.

Nothing in these Terms limits or excludes our liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability that cannot be excluded under applicable law.

You agree to indemnify, defend, and hold harmless 17737734 Canada Inc. and its officers, directors, employees, agents, and contractors from and against any and all claims, damages, losses, costs, and expenses (including reasonable legal fees) arising from or related to: (a) your use of the Service in violation of these Terms; (b) Your Data or any content you submit to the Service; (c) your violation of any applicable law or regulation; or (d) your infringement of any third-party intellectual property or other rights.

By you: You may cancel your account at any time from the Billing section of the app or web dashboard. Cancellation of a paid subscription takes effect at the end of your current billing period. You will retain access to Pro features until that date. Account deletion can be requested from the profile settings, after which your data will be retained for 30 days to allow recovery, then permanently deleted.

By us: We may suspend or terminate your access to the Service if you breach these Terms, engage in fraudulent or abusive activity, fail to pay applicable fees, or for any other reason at our sole discretion. We will provide notice where reasonably practicable, except where immediate action is required to protect the Service, other users, or third parties.

Effect of termination: On termination, all licences granted under these Terms end immediately. Sections 6, 10, 11, 12, 13, 17, and 18 survive termination.

The Service may be subject to Canadian and international export control laws and regulations. You represent that you are not located in, and will not use the Service in, any country that is subject to a Canadian government embargo or that has been designated as a terrorist-supporting country. You agree to comply with all applicable export and re-export control laws.

Neither party will be liable for any delay or failure to perform its obligations under these Terms to the extent such delay or failure is caused by circumstances beyond that party's reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, government action, labour disputes, internet or power infrastructure failures, or failures of third-party service providers. The affected party will give prompt notice and use commercially reasonable efforts to resume performance as quickly as possible.

Entire agreement: These Terms, together with our Privacy Policy and any additional terms applicable to specific features, constitute the entire agreement between you and Pluto Suite Inc. regarding the Service and supersede all prior agreements or understandings.

Severability: If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

Waiver: Our failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorised representative of 17737734 Canada Inc.

Assignment: You may not assign or transfer your rights or obligations under these Terms without our prior written consent. 17737734 Canada Inc. may assign these Terms in whole or in part without restriction, including in connection with a merger, acquisition, or sale of all or substantially all of our assets. Any purported assignment in violation of this section is void.

Notices: We will deliver notices to you via the email address associated with your account or via in-app notification. Notices from you to us must be sent to legal@plutosuite.com. Notices are effective upon delivery.

Relationship: Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and Pluto Suite Inc.

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. The courts of Toronto, Ontario are the non-exclusive default forum for any dispute — meaning either party may also bring a claim in the courts of their own jurisdiction where required by local law.

Your local rights: Nothing in these Terms limits any rights you have under mandatory consumer protection laws, privacy laws, or other statutory protections in your province, state, or country. If any provision of these Terms conflicts with a mandatory law in your jurisdiction, that law takes precedence to the extent of the conflict.

Informal resolution: Before initiating any formal legal proceeding, you agree to first attempt to resolve the dispute by contacting us at legal@plutosuite.com and giving us 30 days to respond and attempt resolution in good faith.

We may update these Terms from time to time as we add new features, respond to legal changes, or clarify existing provisions. We will notify you of material changes by email and/or in-app notification at least 14 days before the changes take effect. The updated Terms will be posted at plutosuite.com/terms with a revised "last updated" date. Continued use of the Service after the effective date constitutes your acceptance of the updated Terms.

If you do not agree with a material change, your sole remedy is to stop using the Service and cancel your subscription before the effective date.

For questions about these Terms: