Terms of Service

Last Updated: March 31, 2026

Welcome to Ringbook! These Terms of Service ("Terms") govern your access to and use of our accounting software platform, websites, mobile applications, AI-powered features, and related services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you may not use the Services.

1. Acceptance of Terms

By creating an account, accessing, or using our Services, you represent that you are at least 18 years of age and have the legal authority to enter into these Terms. If you are using the Services on behalf of a business or organization, you represent that you have the authority to bind that entity to these Terms, and "you" refers to both you individually and the entity. These Terms apply to all users, including visitors, registered users, and authorized third parties.

2. Description of Services

Ringbook provides cloud-based accounting software that helps businesses manage invoices, receipts, bank statements, and other financial data for bookkeeping and audit purposes. Our Services include AI-powered features such as:

• Automated document recognition, data extraction, and categorization.
• AI-assisted financial insights, anomaly detection, and reporting.
• Intelligent search and retrieval across your financial data.

The Services are designed to assist with your accounting workflows and are not a substitute for professional accounting, tax, legal, or financial advice. You are solely responsible for the accuracy and completeness of the data you enter and the decisions you make based on outputs from the Services.

3. Account Registration and Security

You are responsible for:

• Providing accurate, current, and complete information during registration and keeping it updated.
• Maintaining the confidentiality and security of your login credentials, including any API keys or access tokens.
• All activities that occur under your account, whether or not authorized by you.
• Notifying us immediately if you suspect unauthorized access to your account.

We reserve the right to suspend or disable any account if we reasonably believe it has been compromised or is being used in violation of these Terms.

4. Use of Google Authentication Services

Our Services may use Google OAuth for secure authentication. By signing in with Google or linking your account, you agree to the following:

• Data Access: When you use Google authentication, we may access and store basic profile information provided by Google, such as your name, email address, and profile picture, in accordance with our Privacy Policy.
• Limited Use Disclosure: We use data obtained via Google OAuth strictly to provide and improve the Services. We do not transfer this data to unauthorized third parties, and we do not use it for advertising purposes.
• Revoking Access: You can revoke our access to your Google account at any time through your Google account settings.

5. AI-Powered Features

a. Nature of AI Outputs

Our AI features are provided as productivity tools to assist you with accounting tasks. AI-generated outputs, including data extraction, categorization suggestions, financial summaries, and insights, are recommendations only and may contain errors or inaccuracies.

• You are responsible for reviewing, verifying, and approving all AI-generated outputs before relying on them for any business, financial, tax, or legal purpose.
• AI outputs do not constitute professional accounting, tax, legal, or financial advice.
• We do not guarantee the accuracy, completeness, or suitability of AI-generated outputs for any particular purpose.

b. Data Processing by AI

• Your data may be processed by AI systems, including third-party AI service providers, to deliver the Services. All third-party providers are bound by data processing agreements that restrict them from using your data for their own purposes.
• We do not use your personally identifiable financial data to train general-purpose AI models without your explicit consent. See our Privacy Policy for details on AI data practices.

c. Human Oversight

You retain full control over all decisions regarding your financial data. AI features are designed to augment, not replace, human judgment. You may request human review of any AI-generated output or opt out of specific AI features by contacting us.

6. Your Data and Ownership

a. Your Data

You retain all ownership rights in the data, documents, and content you upload to or create through the Services ("Your Data"). By using the Services, you grant us a limited, non-exclusive license to process, store, and display Your Data solely for the purpose of providing and improving the Services.

b. Data Portability

You may export Your Data at any time through the features available in the Services. Upon termination of your account, you may request a copy of Your Data in a standard, machine-readable format, subject to our data retention and legal obligations.

c. Data Processing

Our collection, use, and protection of your personal and financial data is governed by our Privacy Policy, which forms part of these Terms.

7. Acceptable Use

You agree not to:

• Use the Services for any unlawful purpose or in violation of any applicable laws or regulations.
• Upload content that is fraudulent, misleading, defamatory, or infringes on the rights of others.
• Share, transfer, or sell your account access to unauthorized parties.
• Attempt to reverse-engineer, decompile, or disassemble any part of the Services, including our AI models.
• Use automated scripts, bots, or scraping tools to access the Services without our prior written consent.
• Interfere with the security, integrity, or performance of the Services or attempt to gain unauthorized access to other accounts or systems.
• Use data obtained through our platform or API to train, fine-tune, or develop any AI or machine learning model without our express written permission.

8. Intellectual Property

All content, trademarks, software, AI models, algorithms, and technology associated with the Services are the property of Ringbook or its licensors and are protected by intellectual property laws. You may not copy, modify, distribute, sell, or create derivative works based on any part of the Services without our prior written consent.

"Ringbook" and our logos are trademarks of Ringbook. You may not use them without our written permission.

9. Third-Party Integrations

The Services may integrate with or link to third-party platforms, including banking services, accounting software, and payment processors. Your use of third-party services is governed by their own terms and privacy policies. We are not responsible for the availability, accuracy, or practices of third-party services, and we make no warranties regarding them.

10. Service Availability and Modifications

We strive to maintain high availability of the Services but do not guarantee uninterrupted or error-free operation. We reserve the right to:

• Modify, update, or discontinue features of the Services, including AI capabilities, with reasonable notice where practicable.
• Perform scheduled or emergency maintenance that may temporarily affect access.

Where material changes to the Services may significantly affect your use, we will endeavor to provide advance notice via email or through the platform.

11. Disclaimers

To the fullest extent permitted by applicable law:

• The Services, including all AI-powered features, are provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, or statutory.
• We disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy of AI outputs.
• We do not warrant that the Services will meet your specific requirements, that AI outputs will be error-free, or that the platform will operate without interruption.
• The Services are not a substitute for professional accounting, tax, or legal advice. You should consult qualified professionals before making financial decisions based on information from the Services.

12. Limitations of Liability

To the fullest extent permitted by applicable law:

• We are not liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use or inability to use the Services, including but not limited to loss of profits, data, business opportunities, or goodwill.
• We are not liable for any errors, inaccuracies, or omissions in AI-generated outputs, or for any decisions made or actions taken by you based on such outputs.
• Our total aggregate liability to you for any claims arising from or related to these Terms or the Services shall not exceed the total amount you paid us in the twelve (12) months immediately preceding the event giving rise to the claim, or one hundred US dollars (US$100), whichever is greater.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud or gross negligence.

13. Indemnification

You agree to indemnify, defend, and hold harmless Ringbook and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any applicable law or the rights of any third party; or (d) the data or content you upload to the Services.

14. Termination

• You may terminate your account at any time by contacting us or using the account settings in the Services.
• We may suspend or terminate your account if you violate these Terms, engage in fraudulent or unlawful activity, or if required by law.
• Upon termination, your right to access the Services will cease immediately. You may request export of Your Data within thirty (30) days of termination, after which we may delete Your Data in accordance with our Privacy Policy and data retention obligations.
• Sections that by their nature should survive termination will remain in effect, including Sections 6 (Your Data), 8 (Intellectual Property), 11 (Disclaimers), 12 (Limitations of Liability), 13 (Indemnification), and 16 (Governing Law).

15. Changes to the Terms

We may update these Terms from time to time. We will notify you of material changes via email or through the Services at least thirty (30) days before they take effect, unless a shorter notice period is required by law. Your continued use of the Services after the updated Terms take effect constitutes your acceptance. If you do not agree to the updated Terms, you must stop using the Services.

16. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region of the People's Republic of China, without regard to conflict of law principles. Any disputes arising out of or in connection with these Terms shall be submitted to the exclusive jurisdiction of the courts of Hong Kong.

Nothing in this section limits your right to bring proceedings before the courts of your place of residence where required by applicable consumer protection law.

17. General Provisions

• Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Ringbook with respect to the Services.
• Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
• Waiver: Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.
• Assignment: You may not assign your rights under these Terms without our prior written consent. We may assign our rights and obligations without restriction.

18. Contact Information

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

19. Acknowledgment

By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.

Appendix: Google OAuth Compliance

In compliance with Google API Services User Data Policy:

• We use Google OAuth only for secure authentication and do not access, store, or share your sensitive Google data beyond what is necessary for providing the Services.
• Our use of Google user data adheres to Google's Limited Use requirements.