Terms and Conditions

These terms and conditions (the "Terms and Conditions") govern the use of rinic.app (the "Site"). The Site is owned and operated by Rinic App. The Site is provided as software as a service (SaaS).

By using this Site, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions at all times.

IMPORTANT: THESE TERMS AND CONDITIONS CONTAIN A DISPUTE RESOLUTION CLAUSE THAT AFFECTS YOUR LEGAL RIGHTS. PLEASE READ IT CAREFULLY.

Intellectual Property

All content published and made available on the Site is the property of Rinic App and its creators. This includes, but is not limited to:

  • Images
  • Text
  • Logos
  • Documents
  • Downloadable files
  • Any other content contributing to the composition of the Site

Age Restrictions

The minimum age to use this Site is 18 years old. By using the Site, you confirm that you are at least 18 years of age. We do not assume any legal responsibility for false statements regarding age.

Acceptable Use

As a user of the Site, you agree to use it lawfully and not to:

  • Harass or mistreat other users
  • Violate the rights of other users
  • Hack or attempt to access another user's account
  • Engage in fraudulent activity
  • Create multiple accounts, share credentials, or use automated tools to bypass daily statement processing limits

If we believe that you are using the Site in violation of these Terms, we reserve the right to limit, suspend, or terminate your access and to take any legal action necessary.

Accounts

When creating an account, you agree that:

  • You are solely responsible for maintaining the confidentiality and security of your account
  • All personal information you provide is accurate, current, and truthful
  • You will update your information if it changes

We reserve the right to suspend or terminate accounts that violate these Terms.

Sale of Services

These Terms govern the sale of services available on the Site.

Services Offered

  • Analysis of spending based on personal bank statements
  • Expense splitting from uploaded statements

Services must be paid for in full at the time of purchase.

While we strive for accuracy, we do not guarantee that service descriptions or representations are error-free. You agree to purchase services at your own risk.

We reserve the right to modify, reject, or cancel orders. If payment has already been processed, an appropriate refund will be issued.

Subscriptions

Subscriptions automatically renew until cancelled.

How to Cancel

You may cancel your subscription at any time:

Cancellation Terms

  • Cancellation takes effect immediately
  • Access continues until the end of the current billing period
  • No further charges occur after cancellation
  • No partial refunds are issued

Billing Cycles

  • Monthly: $4.99 CAD/month
  • Annual: $40.99 CAD/year

After cancellation, accounts revert to the free tier (if applicable).

Payments

We accept credit cards. By providing payment information, you authorize us to charge the selected payment method.

We reserve the right to cancel or reverse transactions that violate these Terms or applicable laws.

Consumer Protection

Nothing in these Terms limits your rights under applicable consumer protection legislation, including the Business Practices and Consumer Protection Act where applicable.

Limitation of Liability

To the maximum extent permitted by law, Rinic App and its affiliates are not liable for any losses, damages, claims, or expenses arising from your use of the Site.

Maximum Liability Cap

Total liability shall not exceed the greater of:

  • $100 CAD, or
  • The amount paid by you to Rinic in the prior 12 months

Indemnification

You agree to indemnify and hold harmless Rinic App and its affiliates from claims arising from:

  • Your use of the service
  • Your violation of these Terms
  • Your uploaded content
  • Disputes with other users
  • Fraudulent activity

Service Disclaimer

Rinic is provided "AS IS" and "AS AVAILABLE", without warranties of any kind, including:

  • Merchantability
  • Fitness for a particular purpose
  • Accuracy or reliability
  • Uninterrupted service

Rinic is not a financial, tax, accounting, or legal advisor.

Data & Document Processing

Automated OCR and AI systems may produce errors. You are responsible for reviewing and verifying all data.

We are not liable for data loss, corruption, or third-party service failures.

User Relationships

Rinic does not mediate disputes, guarantee payments, or verify user identities. All shared expense disputes are the responsibility of the users involved.

Security

While reasonable security measures are used, absolute security cannot be guaranteed. You are responsible for safeguarding your credentials.

Dispute Resolution

Disputes will first be addressed through informal discussion. If unresolved, disputes may be submitted to non-binding mediation.

Either party retains the right to:

  • Bring claims in small claims court
  • Seek injunctive or intellectual property relief

Governing Law

These Terms are governed by the laws of the Province of British Columbia, Canada.

Children's Privacy

Rinic is not intended for individuals under 18. We do not knowingly collect data from minors.

Parents or guardians may contact support@rinic.app to request deletion of such data.

Changes

These Terms may be updated periodically. Users will be notified by email or site notice.

Contact Information

Email: support@rinic.app

You may also contact us through the feedback form on the Site.

Effective Date: February 9, 2026