Terms of Use

Introduction

Thank you for using Restor AI!

These Terms of Use ("Terms") apply to your use of Restor AI's financial analytics platform, dashboard tools, AI-powered analysis services, and our other services for businesses and individuals, along with any associated software applications and websites (all together, "Services"). These Terms form an agreement between you and Restor AI (operated by Karma Staff), and they include our Service Terms and important provisions for resolving disputes through arbitration.

By using our Services, you agree to these Terms.

Our Privacy Policy explains how we collect and use personal information. Although it does not form part of these Terms, it is an important document that you should read.

Who We Are

Restor AI is a financial analytics platform specifically designed for restoration businesses. Our mission is to empower restoration business owners with AI-powered insights to make better financial decisions and grow their businesses. We combine advanced artificial intelligence with deep restoration industry expertise to help you understand your financials, identify opportunities, and optimize your operations.

Restor AI is developed and operated by Karma Staff. For more information about our company and services, please visit our website or contact us at contact@karmastaff.com.

Registration and Access

Minimum Age

You must be at least 18 years old or the minimum age required in your country to consent to use the Services. If you are under 18, you must have your parent or legal guardian's permission to use the Services.

Registration

You must provide accurate and complete information to register for an account to use our Services. This includes:

• Your full legal name
• Valid email address
• Company or business name
• Secure password
• Payment information (for paid accounts)

You may not share your account credentials or make your account available to anyone else and are responsible for all activities that occur under your account. You must notify us immediately if you become aware of any unauthorized use of your account.

If you create an account or use the Services on behalf of another person or entity, you must have the authority to accept these Terms on their behalf.

Account Security

You are responsible for maintaining the security of your account and password. We recommend using a strong, unique password and enabling two-factor authentication when available. Restor AI cannot and will not be liable for any loss or damage from your failure to maintain account security.

Using Our Services

What You Can Do

Subject to your compliance with these Terms, you may access and use our Services to:

• Upload and analyze your financial data from QuickBooks, Excel, CSV, and PDF files
• View AI-powered financial insights and recommendations
• Interact with our AI assistant for financial questions and analysis
• Create and manage multiple dashboards for different businesses or time periods
• Export reports and analysis for your business use
• Share insights with authorized team members

In using our Services, you must comply with all applicable laws as well as any documentation, guidelines, or policies we make available to you.

What You Cannot Do

You may not use our Services for any illegal, harmful, or abusive activity. For example, you may not:

• Use the Services in a way that infringes, misappropriates, or violates anyone's rights
• Modify, copy, lease, sell, or distribute any of our Services
• Attempt to or assist anyone to reverse engineer, decompile, or discover the source code or underlying components of our Services, including our AI models, algorithms, or systems (except to the extent this restriction is prohibited by applicable law)
• Automatically or programmatically extract data or Output using bots, scrapers, or other automated means
• Represent that Output from our AI was human-generated when it was not
• Interfere with or disrupt our Services, including circumventing any rate limits, restrictions, or protective measures
• Use Output to develop competing financial analytics or AI services
• Upload data that you do not have the right to upload or share
• Use the Services to process data on behalf of third parties without proper authorization
• Attempt to gain unauthorized access to other users' accounts or data
• Use the Services to transmit viruses, malware, or other harmful code
• Abuse, harass, threaten, or intimidate other users or our staff

Software

Our Services may allow you to download software, such as mobile applications or desktop tools, which may update automatically to ensure you're using the latest version. Our software may include open source software that is governed by its own licenses.

Corporate Domains

If you create an account using an email address owned by an organization (for example, your employer), that account may be added to the organization's business account with us. We will provide notice to you so that you can help facilitate the transfer of your account. Once your account is transferred, the organization's administrator will be able to control your account, including accessing Content and restricting or removing your access.

Third Party Services

Our Services may integrate with third-party software, products, or services ("Third Party Services"), such as QuickBooks, accounting software, or cloud storage providers. Third Party Services are subject to their own terms, and we are not responsible for them.

Feedback

We appreciate your feedback about our Services. You agree that we may use any feedback, suggestions, or ideas you provide without restriction or compensation to you.

Content

Your Content

You may provide input to the Services, such as financial data files, questions, or prompts ("Input"), and receive output from the Services based on the Input ("Output"). Input and Output are collectively "Content."

You are responsible for Content, including ensuring that it does not violate any applicable law or these Terms. You represent and warrant that you have all rights, licenses, and permissions needed to provide Input to our Services.

Ownership of Content

As between you and Restor AI, and to the extent permitted by applicable law, you:

• Retain your ownership rights in Input
• Own the Output generated from your Input

We hereby assign to you all our right, title, and interest, if any, in and to Output.

Similarity of Content

Due to the nature of our Services and artificial intelligence generally, output may not be unique and other users may receive similar output from our Services. Our assignment above does not extend to other users' output.

Our Use of Content

We may use Content to:

• Provide, maintain, develop, and improve our Services
• Train and improve our AI models to provide better financial insights
• Comply with applicable law
• Enforce our terms and policies
• Keep our Services safe and secure

Opt Out

If you do not want us to use your Content to train our AI models, you can opt out through your account settings. Please note that opting out may limit the ability of our Services to provide personalized insights specific to your use case.

Accuracy of AI Output

Artificial intelligence and machine learning are rapidly evolving fields. We are constantly working to improve our Services to make them more accurate, reliable, safe, and beneficial. However, given the probabilistic nature of machine learning, use of our Services may, in some situations, result in Output that does not accurately reflect real financial data, people, places, or facts.

Data Confidentiality

We understand that your financial data is sensitive and confidential. We implement industry-standard security measures to protect your data and will not share your financial information with third parties except as described in our Privacy Policy or with your explicit consent.

Our IP Rights

We and our affiliates own all rights, title, and interest in and to the Services, including:

• All software, code, and technology that powers our Services
• Our AI models, algorithms, and training data
• Our trademarks, logos, and brand assets
• Our website, user interface, and design elements
• All documentation, content, and materials we provide

You may only use our name and logo in accordance with our Brand Guidelines (available upon request). You receive no rights to our intellectual property except for the limited rights expressly granted in these Terms.

Paid Accounts

Billing

If you purchase any Services, you will provide complete and accurate billing information, including:

• Valid payment method (credit card, debit card, or other accepted methods)
• Billing name and address
• Tax identification number (if applicable)

For paid subscriptions, we will automatically charge your payment method on each agreed-upon periodic renewal until you cancel. You're responsible for all applicable taxes, and we'll charge tax when required by law.

If your payment cannot be completed, we may downgrade your account or suspend your access to our Services until payment is received. We may also charge late fees for overdue payments as permitted by law.

Service Credits

You may be able to pay for some Services in advance by purchasing service credits. All service credits are non-refundable, expire after 12 months from purchase, and are subject to our Service Credit Terms.

Cancellation

You can cancel your paid subscription at any time through your account settings. Payments are non-refundable, except where required by law or as explicitly stated in your subscription terms. When you cancel:

• You will continue to have access to paid features until the end of your current billing period
• Your account will automatically downgrade to a free account (if available) at the end of the billing period
• You will not be charged for any subsequent billing periods

These Terms do not override any mandatory local laws regarding your cancellation rights.

Changes to Pricing

We may change our prices from time to time. If we increase our subscription prices, we will give you at least 30 days' notice via email. Any price increase will take effect on your next renewal, giving you the opportunity to cancel if you do not agree to the price increase.

Free Trials

We may offer free trials of our paid Services. If you sign up for a free trial:

• You must provide valid payment information
• You will be automatically charged at the end of the trial period unless you cancel
• You can cancel at any time during the trial period without being charged
• We reserve the right to limit free trial eligibility

Termination and Suspension

Termination by You

You are free to stop using our Services at any time. You can delete your account through your account settings. When you delete your account:

• Your access to the Services will be immediately terminated
• Your data will be deleted in accordance with our data retention policies
• Any unused portion of paid subscriptions will not be refunded unless required by law

Termination by Us

We reserve the right to suspend or terminate your access to our Services or delete your account if we determine:

• You breached these Terms or our Usage Policies
• We must do so to comply with the law or legal requests
• Your use of our Services could cause risk or harm to Restor AI, our users, or anyone else
• You engaged in fraudulent, abusive, or illegal activity
• You failed to pay for Services when due

We also may terminate your account if it has been inactive for over one year and you do not have a paid account. If we do, we will provide you with advance notice via email.

Effect of Termination

Upon termination of your account:

• Your right to access and use the Services will immediately cease
• We may delete your Content and data in accordance with our retention policies
• Sections of these Terms that by their nature should survive termination will continue to apply

Appeals

If you believe we have suspended or terminated your account in error, you can file an appeal by contacting us at contact@karmastaff.com. Please include:

• Your account email address
• Explanation of why you believe the suspension or termination was in error
• Any supporting documentation

We will review your appeal and respond within 10 business days.

Discontinuation of Services

We may decide to discontinue our Services or specific features, but if we do, we will give you reasonable advance notice via email and through our website. If we discontinue paid Services that you have prepaid for:

• We will provide you with a pro-rated refund for any prepaid, unused Services
• We will give you at least 90 days' notice before discontinuation
• We will provide you with options to export your data

Disclaimer of Warranties

Limitation of Liability

Indemnity

If you are a business or organization, to the extent permitted by law, you will indemnify and hold harmless Restor AI, Karma Staff, our affiliates, and our personnel, from and against any costs, losses, liabilities, and expenses (including reasonable attorneys' fees) from third party claims arising out of or relating to:

• Your use of the Services
• Your Content, including any claims that your Content infringes or violates third party rights
• Any violation of these Terms or applicable law
• Any business decisions made based on Output from our Services
• Your negligence or willful misconduct

We will provide you with notice of any such claim, and you will have the right to participate in the defense with counsel of your choice at your expense. We reserve the right to assume exclusive control of the defense with counsel of our choice, and you will cooperate with our defense of such claims.

Dispute Resolution

Mandatory Arbitration

You and Restor AI agree to resolve any claims arising out of or relating to these Terms or our Services, regardless of when the claim arose (a "Dispute"), through final and binding arbitration, except as set forth below.

You may opt out of arbitration within 30 days of account creation or of any updates to these arbitration terms within 30 days after the update has taken effect by sending written notice to contact@karmastaff.com with the subject line "Arbitration Opt-Out." If you opt out of an update, the last set of agreed upon arbitration terms will apply.

Informal Dispute Resolution

We would like to understand and try to address your concerns prior to formal legal action. Before either of us files a claim against the other, we both agree to try to resolve the Dispute informally. You agree to do so by sending us notice at contact@karmastaff.com. We will do so by sending you notice to the email address associated with your account.

If we are unable to resolve a Dispute within 60 days, either of us has the right to initiate arbitration. We also both agree to attend an individual settlement conference if either party requests one during this time. Any statute of limitations will be tolled during this informal resolution process.

Arbitration Forum

If we are unable to resolve the Dispute, either of us may commence arbitration with the American Arbitration Association ("AAA") under its Consumer Arbitration Rules or Commercial Arbitration Rules, as applicable.

Restor AI will not seek attorneys' fees and costs in arbitration unless the arbitrator determines that your claim is frivolous. The Federal Arbitration Act will govern the interpretation and enforcement of these arbitration terms.

Arbitration Procedures

The arbitration will be conducted by videoconference if possible. If the arbitrator determines a hearing should be conducted in person, the location will be mutually agreed upon or in the county where you reside. The arbitration will be conducted by a sole arbitrator, who will be either a retired judge or an attorney licensed to practice law.

The arbitrator will have exclusive authority to resolve any Dispute, except courts have the authority to determine disputes about enforceability, validity of the class action waiver, or requests for public injunctive relief.

Exceptions

This section does not require informal dispute resolution or arbitration of the following claims:

• Individual claims brought in small claims court
• Injunctive or other equitable relief to stop unauthorized use or abuse of the Services or intellectual property infringement or misappropriation

Class and Jury Trial Waivers

You and Restor AI agree that Disputes must be brought on an individual basis only, and may not be brought as a plaintiff or class member in any purported class, consolidated, or representative proceeding. Class arbitrations, class actions, and representative actions are prohibited. Only individual relief is available.

You and Restor AI knowingly and irrevocably waive any right to trial by jury in any action, proceeding, or counterclaim.

Severability

If any part of these arbitration terms is found to be illegal or unenforceable, the remainder will remain in effect, except that if a finding of partial illegality or unenforceability would allow class arbitration, class action, or representative action, this entire dispute resolution section will be unenforceable in its entirety.

Copyright Complaints

If you believe that your intellectual property rights have been infringed, please send notice to contact@karmastaff.com. We may delete or disable content that we believe violates these Terms or is alleged to be infringing and will terminate accounts of repeat infringers where appropriate.

Written claims concerning copyright infringement must include the following information:

• A physical or electronic signature of the person authorized to act on behalf of the owner of the copyright interest
• A description of the copyrighted work that you claim has been infringed upon
• A description of where the allegedly infringing material is located on our Services so we can find it
• Your address, telephone number, and email address
• A statement by you that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law
• A statement by you that the above information in your notice is accurate and, under penalty of perjury, that you are the copyright owner or authorized to act on the copyright owner's behalf

General Terms

Assignment

You may not assign or transfer any rights or obligations under these Terms and any attempt to do so will be void. We may assign our rights or obligations under these Terms to any affiliate, subsidiary, or successor in interest of any business associated with our Services without your consent.

Changes to These Terms or Our Services

We are continuously working to develop and improve our Services. We may update these Terms or our Services accordingly from time to time. For example, we may make changes to these Terms or the Services due to:

• Changes to the law or regulatory requirements
• Security or safety reasons
• Circumstances beyond our reasonable control
• Changes we make in the usual course of developing our Services
• To adapt to new technologies

We will give you at least 30 days advance notice of changes to these Terms that materially adversely impact you either via email or an in-product notification. All other changes will be effective as soon as we post them to our website. If you do not agree to the changes, you must stop using our Services.

Delay in Enforcing These Terms

Our failure to enforce a provision is not a waiver of our right to do so later. If any portion of these Terms is determined to be invalid or unenforceable, that portion will be enforced to the maximum extent permissible and it will not affect the enforceability of any other terms.

Trade Controls

You must comply with all applicable trade laws, including sanctions and export control laws. Our Services may not be used in or for the benefit of, or exported or re-exported to:

• Any U.S. embargoed country or territory
• Any individual or entity with whom dealings are prohibited or restricted under applicable trade laws

Our Services may not be used for any end use prohibited by applicable trade laws.

Entire Agreement

These Terms contain the entire agreement between you and Restor AI regarding the Services and supersedes any prior or contemporaneous agreements between you and Restor AI.

Governing Law

These Terms will be governed by the laws of the State of California, United States, except for its conflicts of laws principles. Except as provided in the dispute resolution section above, all claims arising out of or relating to these Terms will be brought exclusively in the federal or state courts of San Francisco, California.

Contact Information

If you have any questions, concerns, or complaints about these Terms or our Services, please contact us:

• Email: contact@karmastaff.com
• Address: Karma Staff / Restor AI
  [Your Business Address]