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Terms of Service

The rules for using cruisr, and what you can expect from us in return.

Updated Oct 2025

Terms of Service

Last updated: [confirm date of counsel-reviewed version]

Please read these terms carefully before using Our Service.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of these Terms and Conditions:

  • Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.

  • Governing jurisdiction refers to: the Province of Quebec, Canada. [needs counsel — confirm governing law and forum. This previously read "California, United States", which is wrong; cruisr operates from Quebec.]

  • Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to [confirm registered legal entity name], operating as cruisr.

  • Connected Financial System means an accounting system, bank, card issuer, payroll provider or similar service that You authorize cruisr to connect to on Your behalf.

  • Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.

  • Service refers to the Website.

  • Terms and Conditions (also referred as "Terms") mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.

  • Third-party Social Media Service means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included or made available by the Service.

  • Website refers to cruisr, accessible from cruisr.ai

  • You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Acknowledgment

These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.

By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions then You may not access the Service.

You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.

The Service

cruisr provides bookkeeping and month-end close services, delivered on top of the accounting system You already use. This includes recording and categorizing transactions, reconciling bank and card accounts, preparing period-end entries, applying the approval and control workflow You configure, and delivering a close package for each entity in scope.

cruisr never moves money. Our connections to Your accounting system and to Your bank and card feeds are read-only. We do not hold, and do not request, permission to initiate a payment, transfer or withdrawal from any of Your accounts. There is no payment rail in the Service.

cruisr is not a public accounting firm, does not perform audits, reviews or other assurance engagements, and does not provide tax, legal or investment advice. Nothing the Service produces is an assurance opinion.

Your Account

You are responsible for the accuracy of the information You give Us, for maintaining the confidentiality of Your credentials, and for the activity of anyone You grant access to Your cruisr account. Tell Us promptly if You believe an account has been compromised.

You must be authorized to bind the business on whose behalf You use the Service, and to authorize the connections described below.

Connecting Your Financial Systems

To provide the Service You authorize Us to connect to Your Connected Financial Systems. You represent that You have the right to grant that authorization for each one.

  • Your accounting system remains registered in Your name and under Your administration throughout.
  • Our access is read-only with respect to Your banking and card data, and limited to reading and writing accounting records in Your ledger.
  • You may revoke Our access at any time from Your own administrative panel, without contacting Us. Revoking access will stop Us from being able to perform the Service.
  • You remain responsible for the accuracy and completeness of the underlying records held in those systems, and for anything You or a third party posts directly to them.

The Roles of AI and of People

The Service uses artificial-intelligence models to prepare accounting work, and people to review it. The division is a term of the Service, not a marketing description:

  • Each entry the Service prepares carries a confidence indication, the source document or feed it derives from, and a record of who or what approved it.
  • You configure the dollar thresholds. Work below a threshold may post automatically; work above it requires approval by a named person before it is posted.
  • The same person cannot both prepare and approve the same item.
  • Once You approve a period, it locks. Reopening a locked period requires an approval and leaves a record.

Nothing in this section transfers to cruisr Your own responsibility for reviewing and approving Your books, filings and returns.

[Needs counsel: this section and the warranty section below must be drafted together. The Service materials at /security and /for-finance-leaders state that a named human approves anything crossing a threshold. A disclaimer written as though no human review occurs would contradict them, which is a worse position than a narrower, accurate one.]

Fees and Billing

[Needs real commercial terms. To be drafted once pricing is settled: the fee basis (flat monthly, scoped to entity count and volume), the billing period and payment terms, what happens on late payment, how fees change when the number of entities or the transaction volume in scope changes, taxes, and whether fees are quoted and invoiced in Canadian dollars.]

Fees are set out in the order form, engagement letter or quote agreed between You and Us, which forms part of this agreement.

Term and Cancellation

The engagement is month-to-month. You may cancel at any time, and there is no long-term contract or minimum term.

[Needs counsel, and urgently — this clause changed on 2026-07-31 from "three months' written notice, either side" to month-to-month at Hugo's direction, and the marketing copy across the site now says the same thing. Confirm the engagement letter and any signed agreements match before this publishes: a Terms page promising cancel-anytime while a countersigned engagement letter requires notice is worse than either position on its own. Also confirm whether cruisr wants a notice period for its own exit, which the previous "either side" wording gave it and this wording does not.]

On termination, You receive a full handover package with everything current and reconciled, and Your accounting system — which was in Your name and under Your administration throughout — simply remains Yours. There is no reconstruction project and no charge for the return of Your own data.

Acceptable Use

You agree not to use the Service to:

  • break the law, or to help anyone else do so;
  • misrepresent Your financial position to a lender, an investor, a tax authority or any other party;
  • connect a financial system You are not authorized to connect;
  • attempt to gain unauthorized access to the Service, to another customer's data, or to Our systems;
  • probe, scan or test the vulnerability of the Service without Our prior written consent;
  • resell or provide the Service to a third party except as expressly agreed in writing.

Intellectual Property

The Service, and the software, models, interfaces, workflows and documentation that make it up, are and remain Our property or that of Our licensors. Nothing in this agreement transfers any of it to You.

Your data — Your ledger, Your documents, Your records, and the accounting entries prepared for You — is and remains Yours. You grant Us only the rights needed to provide the Service to You and to comply with Our legal obligations.

We do not use Your financial data to train models on behalf of anyone other than Your own account, and We do not sell client data.

Confidentiality

Each party will keep the other's confidential information in confidence, use it only to perform this agreement, and protect it with at least the care it applies to its own confidential information of like importance. Our security measures are published on Our Trust & Security page.

This obligation does not apply to information that is or becomes public without breach of this agreement, that a party already held without a duty of confidence, or that a party is legally compelled to disclose — in which case it will, where lawful, give the other party notice.

Links to Other Websites

Our Service may contain links to third-party web sites or services that are not owned or controlled by the Company.

The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that You visit.

Termination

We may terminate or suspend Your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions.

Upon termination, Your right to use the Service will cease immediately.

Indemnification

[Needs counsel. To be drafted: the scope of each party's indemnity, notably around Your authority to connect a Connected Financial System, Your use of the Service in breach of the Acceptable Use section, and third-party claims arising from data You provide.]

Limitation of Liability

[Needs counsel. The clause below is the template's and has not been reviewed. The USD cap in particular is wrong for a Quebec entity billing in Canadian dollars under a monthly engagement, and the liability cap should be expressed against fees paid over a defined period.]

Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of this Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 USD if You haven't purchased anything through the Service.

To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party's liability will be limited to the greatest extent permitted by law.

"AS IS" and "AS AVAILABLE" Disclaimer

[Needs counsel — and read the "The Roles of AI and of People" section above first. The blanket disclaimer below is the template's. It must be narrowed so it does not contradict what cruisr publicly commits to about human review and the audit trail.]

The Service is provided to You "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.

Without limiting the foregoing, neither the Company nor any of the company's provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.

Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.

Governing Law

[Needs counsel — likely the Province of Quebec and the laws of Canada applicable there, with the courts of the judicial district of [confirm] having jurisdiction. This clause previously pointed at California, which was the template's default and is wrong.]

The laws of the governing jurisdiction, excluding its conflicts of law rules, shall govern these Terms and Your use of the Service. Your use of the Service may also be subject to other local, provincial, national or international laws.

Disputes Resolution

If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.

For European Union (EU) Users

If You are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which you are resident in.

United States Legal Compliance

[Needs counsel — confirm whether this clause belongs here at all. It is the template's, written for a US company; cruisr operates from Quebec and serves Canadian businesses. The Canadian equivalent (sanctions and controlled-goods representations) may be what is wanted, or the clause may simply be unnecessary. Do not leave it as-is by default.]

You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.

Severability and Waiver

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under this Terms shall not effect a party's ability to exercise such right or require such performance at any time thereafter nor shall be the waiver of a breach constitute a waiver of any subsequent breach.

Translation Interpretation

[Needs counsel — high priority, and new since the French tree went live. The clause below is the template's and makes English prevail. In Quebec that deserves a hard look: the Charter of the French Language and the rules on contracts of adhesion constrain the precedence of an English version in a contract formed in Quebec, and a French-language terms page that declares itself subordinate to its English version is exactly the kind of clause to validate before publishing. Settle it rather than carrying the template wording across.]

These Terms and Conditions may have been translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute.

Changes to These Terms

We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material We will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.

By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the website and the Service.

Contact Us

If you have any questions about these Terms and Conditions, You can contact us:

  • By email: legal@cruisr.ai