Terms of Service

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

• 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.

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.

If you use Pluto on behalf of a business, the business is bound by these terms and you represent that you have authority to bind that business.

Certain features of Pluto require a paid subscription. By subscribing, you agree to pay the applicable fees as described at the time of purchase.

• 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 before the renewal date.
• Price changes: We will give you at least 30 days' notice of any price increase. Continued use after the notice period constitutes acceptance.
• Refunds: Subscription fees are generally non-refundable. If you believe you are entitled to a refund due to a service outage or error on our part, contact us within 14 days.
• Free trials: If you start a free trial, your subscription begins at the end of the trial period unless you cancel before it ends.
• Taxes: Prices shown exclude applicable taxes (GST, VAT, etc.), which will be added at checkout where required by law.

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

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 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.

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 integrates with third-party services including Plaid (bank connectivity), Firebase (authentication), and others. Your use of these integrations is also subject 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.

The Pluto platform, including its software, design, trademarks, and documentation, is owned by Pluto and protected by 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 or suggestions about the Service, you grant us the right to use that feedback 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 law, we disclaim all warranties including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Pluto is a bookkeeping tool — it is not a licensed accounting firm and does not provide legal, accounting, or tax advice. You should consult a qualified professional for advice specific to your situation. Do not rely solely on Pluto for compliance with tax obligations.

To the maximum extent permitted by applicable law, Pluto's total liability to you for any claim arising from or related to these terms or the Service is limited to the amount you paid to Pluto in the 12 months preceding the claim.

In no event will Pluto be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of data, or loss of goodwill, even if we have been advised of the possibility of such damages.

You agree to indemnify and hold harmless Pluto, its officers, employees, and contractors from and against any claims, damages, costs, and expenses (including reasonable legal fees) arising from your use of the Service in violation of these terms, your violation of any law, or your infringement of any third-party rights.

By you: You may cancel your account at any time from the app settings. Cancellation takes effect at the end of your current billing period. Your data will be retained for 30 days after cancellation, after which it will be permanently deleted.

By us: We may suspend or terminate your account if you breach these terms, engage in fraudulent activity, or fail to pay applicable fees. We will provide notice where reasonably practicable, except where immediate termination is required to protect the Service or other users.

On termination, all licences granted under these terms end immediately. Sections 6, 8, 9, 10, 11, and 13 survive termination.

These terms are governed by applicable law. Any dispute arising from these terms or your use of the Service will first be attempted to be resolved informally by contacting us at legal@plutosuite.com. If we cannot resolve the dispute informally within 30 days, either party may pursue formal legal remedies.

We may update these terms from time to time. We will notify you of material changes via email or in-app notification at least 14 days before they take effect. Continued use of the Service after the effective date constitutes your acceptance of the updated terms.

For questions about these terms: