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Terms of Service

Effective date: August 29, 2026

1. Agreement to These Terms

These Terms of Service ("Terms") are a binding agreement between you and Nupaid ("we", "us", or "our") governing your use of the Nupaid platform, website, and related services (together, the "Service"). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy. If you use the Service on behalf of a business, you represent that you have authority to bind that business, and "you" refers to the business.

2. The Service

Nupaid provides financial management tools for small businesses and freelancers, including invoicing, recurring billing, bill tracking, bank account connections, transaction reconciliation, financial reports, and an AI assistant. We may add, change, or remove features as the Service evolves. Features described as beta, preview, or early access may change or be withdrawn at any time.

3. Accounts & Eligibility

  • You must be at least 18 years old and able to form a binding contract.
  • You are responsible for the accuracy of your account information and for all activity under your account, including activity by team members you invite.
  • Keep your credentials secure. Notify us promptly of any unauthorized use of your account.

4. Subscriptions, Trials & Billing

  • Plans. Paid access is sold as a monthly subscription in the tiers and optional add-ons shown at checkout. Prices are in U.S. dollars and exclude any applicable taxes.
  • Free trial. New subscriptions begin with a 14-day free trial. A payment method is collected at signup, and your first charge occurs when the trial ends unless you cancel before then. Cancelling during the trial costs nothing.
  • Automatic renewal. Subscriptions renew automatically each month until cancelled. By subscribing, you authorize us and our payment processor (Stripe) to charge your payment method on each renewal.
  • Plan changes. Upgrades, downgrades, and add-on quantity changes take effect immediately and are prorated on your next invoice.
  • Price changes. We may change prices with at least 30 days’ notice; new prices apply from your next billing cycle. Promotional (founding member) pricing remains yours while your subscription stays active.
  • Failed payments. If a renewal payment fails, we retry it. If payment cannot be collected, your subscription is cancelled and your organization enters the archived state described in Section 6.

5. Refund & Cancellation Policy

  • Cancel anytime. You can cancel from Settings → Account & Billing ("Manage billing") or by archiving your organization. Cancellation stops future charges; your subscription remains active until the end of the period you have already paid for.
  • Trial cancellations are free — cancel before the 14-day trial ends and you are never charged.
  • No prorated refunds. We do not refund partial months after a billing period has started. You keep full access through the end of the paid period.
  • Billing errors and exceptional cases. If you believe you were charged in error, contact us within 30 days of the charge at support@nupaid.com and we will investigate. Refunds outside this policy are at our reasonable discretion. Nothing here limits rights you may have under applicable consumer law.
  • Third-party fees. Payment-processing fees charged by Stripe on payments you receive from your clients are set and collected by Stripe and are not refundable by us.

6. Cancellation, Data Retention & Deletion

  • When your subscription ends (by cancellation, non-payment, or account deletion), your organization is archived: access is paused, but your data is preserved for 90 days.
  • During the 90-day window you can export all of your data (JSON or ZIP) or reactivate by restarting a subscription. We send reminders before the window closes.
  • After 90 days, your organization’s data is permanently deleted and cannot be recovered. Limited audit records may be retained longer where required for legal, tax, or security purposes, as described in our Privacy Policy.

7. Your Data & Our License

You own the content you submit to the Service — your invoices, clients, bills, financial records, and files ("Your Data"). You grant us a limited license to host, process, transmit, and display Your Data solely to provide and improve the Service, including sending invoices and notifications to your clients on your behalf (which may be delivered from Nupaid’s email domain, identified as sent via Nupaid).

You are responsible for Your Data: that you have the right to use it, that it is accurate, and that your invoices and communications to your clients comply with applicable law.

8. Third-Party Services

The Service integrates with third parties, and your use of those features is also subject to their terms:

  • Stripe — subscription billing and, if you enable it, payment collection from your clients using your own Stripe account.
  • Plaid — bank account connections and transaction data. By connecting a bank account you authorize Plaid to access your account data under Plaid’s privacy policy.
  • OpenAI — processing for AI features.

We are not responsible for third-party services, their availability, or their fees.

9. Not Professional Advice

Nupaid is a software tool, not an accountant, tax advisor, lawyer, or financial advisor. Outputs of the Service — including AI assistant responses, cash flow forecasts, tax estimates, and reports — are provided for general informational purposes, may be inaccurate or incomplete, and are not professional financial, tax, accounting, or legal advice. Always verify important figures and consult a qualified professional before making financial decisions.

10. Acceptable Use

You agree not to:

  • Use the Service for unlawful, fraudulent, or deceptive purposes, including sending false or misleading invoices;
  • Access another user’s data or probe, scan, or breach our security measures;
  • Interfere with the Service’s operation, or use it to send spam;
  • Reverse engineer, resell, or sublicense the Service except as we permit in writing;
  • Use the Service to violate the rights of others.

We may suspend or terminate accounts that violate these Terms, with notice where practicable.

11. Intellectual Property

The Service, including its software, design, and branding, is owned by Nupaid and protected by intellectual-property laws. These Terms do not grant you any rights in the Service other than the limited right to use it while your account is in good standing. Feedback you send us may be used without obligation to you.

12. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT DATA (INCLUDING BANK DATA SUPPLIED BY THIRD PARTIES) WILL BE ACCURATE OR COMPLETE.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NUPAID WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, OR DATA, ARISING FROM OR RELATED TO THE SERVICE. OUR TOTAL LIABILITY FOR ALL CLAIMS IN ANY TWELVE-MONTH PERIOD WILL NOT EXCEED THE AMOUNTS YOU PAID US FOR THE SERVICE IN THAT PERIOD. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO PARTS OF THIS SECTION MAY NOT APPLY TO YOU.

14. Indemnification

You will indemnify and hold Nupaid harmless from claims arising out of Your Data, your invoices or dealings with your clients, or your breach of these Terms.

15. Changes to These Terms

We may update these Terms from time to time. For material changes we will give notice (for example, by email or an in-app notice) at least 14 days before they take effect. Continuing to use the Service after changes take effect means you accept the updated Terms.

16. Governing Law & Disputes

These Terms are governed by the laws of the State of Utah, without regard to conflict-of-laws rules. Any dispute that cannot be resolved informally will be brought exclusively in the state or federal courts located in Utah, and you consent to their jurisdiction. You agree to first contact us and attempt to resolve any dispute informally before filing a claim.

17. Contact

Questions about these Terms or our refund policy: support@nupaid.com.