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Terms of Service

Our terms and conditions

Last Updated: 2025-02-15

Welcome to https://www.meetfyno.com/ (the "Site"), operated by Parsie LTD, Newark, DE 19702 ("we," "us," or "our"). By accessing or using our Site, you agree to comply with and be bound by the following Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site.

1. Acceptance of Terms

By using our Site, you confirm that you are at least 18 years old or have the legal capacity to enter into a binding agreement. You also agree to comply with all applicable laws and regulations.

2. Use of the Site

a. Permitted Use

You may use our Site for lawful purposes only. You agree not to use the Site in any way that could harm the Site, its users, or our business.

b. Prohibited Activities

You are prohibited from:

  • Engaging in any illegal or unauthorized activities.
  • Attempting to gain unauthorized access to our systems or data.
  • Interfering with the proper functioning of the Site.
  • Uploading or transmitting viruses, malware, or other harmful code.

3. Intellectual Property

All content on the Site, including text, graphics, logos, images, and software, is the property of Parsie LTD, Newark, DE 19702 or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

4. User-Generated Content

If you submit content to the Site (e.g., through a contact form or comments), you grant us a non-exclusive, royalty-free, perpetual, and worldwide license to use, modify, and display such content. You are solely responsible for the content you submit and must ensure it does not violate any laws or third-party rights.

5. Subscriptions, Credits & Payments

5.1 Subscription Plans & Credits

Our Service is provided through subscription plans. Every plan includes a set number of credits valid only for that specific billing cycle (e.g., monthly or yearly). Any unused credits from your plan do not carry over to the next cycle.

You have the option to buy extra credit packages ("Add-on Credits") to boost your balance. To use these Add-on Credits, you must have an active subscription. These specific credits remain valid for six (6) months from the day you buy them.

5.2 Payment Authorization

When you supply us with your payment details, you give us permission to charge your chosen payment method for all subscription costs and relevant taxes. You also confirm that you represent the authorized user of the payment method and agree to keep your payment information up to date.

5.3 Auto-Renewal

Unless you cancel before your renewal date, your subscription will automatically renew at the end of every billing period. We will charge you the rate in effect at the time of renewal, which might be different from your initial rate if prices have changed.

5.4 Price Changes

We may adjust our subscription prices from time to time. We will not apply price changes retroactively and will provide you with reasonable notice before any change takes effect. If you continue to use the Service after the new price starts, it means you accept the new pricing.

5.5 Late Payments

If we do not receive payment on time:

  • We may pause your access to the Service after 7 days.
  • We may cancel your subscription after 14 days.
  • You are still responsible for paying any unpaid fees.
  • You can reactivate your account by paying all outstanding balances in full.

5.6 Taxes

You are responsible for paying any applicable taxes related to your use of the Service, such as sales tax, VAT, or GST. If we are required by law to collect these taxes, they will be added to your subscription fee unless stated otherwise.

5.7 No Refunds

Generally, all subscription fees are non-refundable, unless the law requires otherwise or we explicitly state a specific exception in these Terms. We do not offer refunds or credits for:

  • Partial subscription periods.
  • Features or services you didn't use.
  • Subscriptions that are terminated (by you or us) because of a violation of these Terms.

5.8 60-Day Money-Back Guarantee

We offer a 60-day money-back guarantee for new subscribers to try our Service risk-free. If you are not satisfied with the Service within the first 60 days of your initial subscription, you may request a full refund of your subscription fee.

Eligibility Requirements

To qualify for the 60-day money-back guarantee, you must meet all of the following conditions:

  • You must be a first-time subscriber (the guarantee applies only to your first subscription with us).
  • You must request the refund within 60 days of your initial subscription payment date.
  • Your use of the Service must be in good faith and for legitimate business purposes.
  • You must not have violated any provision of these Terms during the 60-day period.

Disqualifying Activities

The 60-day money-back guarantee does NOT apply if you engage in any of the following activities, which we consider abusive or fraudulent use:

  • Subscribing to an annual plan, consuming all or substantially all of your credits, downloading extensive reports or data, and then requesting a refund.
  • Uploading an excessive volume of transactions or data with the apparent intent to extract maximum value before requesting a refund.
  • Exporting, downloading, or copying substantial amounts of data, reports, or AI-generated insights and then claiming the Service is not working.
  • Using the Service to process a full year's worth of accounting work and then requesting a refund.
  • Creating multiple accounts to repeatedly claim the money-back guarantee.
  • Demonstrating a pattern of behavior that indicates you intended to use the Service temporarily and obtain a refund from the outset.
  • Violating any other provision of these Terms, including prohibited activities, unauthorized access attempts, or misuse of the platform.

Our Right to Deny Refunds

We reserve the right to deny refund requests if we determine, in our sole discretion, that:

  • Your usage pattern indicates abusive or fraudulent intent.
  • You have extracted substantial value from the Service (e.g., processed significant transaction volumes, generated and downloaded numerous reports, or consumed a disproportionate amount of credits relative to the refund request timing).
  • Your refund request appears to be part of a pattern of abuse or an attempt to use the Service for free.

How to Request a Refund

To request a refund under this guarantee, you must:

  • Contact us at hello@meetfyno.com within 60 days of your initial subscription payment.
  • Provide your account email address and subscription details.
  • Briefly explain why the Service did not meet your needs.

We will review your request and usage history and respond within 7 business days. If approved, refunds will be processed to your original payment method within 10 business days.

Limitations

  • This guarantee applies only to subscription fees, not to separately purchased Add-on Credits.
  • This guarantee does not apply to subscription renewals, only to your initial subscription.
  • Once a refund is issued, your account will be permanently closed and you will lose access to all data and reports.
  • This guarantee may not be combined with any other offers, promotions, or discounts.

6. Third-Party Services

We are not responsible or liable for the performance, accuracy, security, or availability of any third-party services that are integrated with or accessed through our Service. You use such third-party services at your own risk.

7. No Professional Advice

THE SERVICE DOES NOT PROVIDE LEGAL, TAX, ACCOUNTING, OR FINANCIAL ADVICE. IT IS INTENDED SOLELY AS AN INFORMATIONAL AND AUTOMATION TOOL. YOU ARE SOLELY RESPONSIBLE FOR:

  • Consulting with qualified professionals regarding your specific financial, tax, and legal situations.
  • Verifying the accuracy of any categorizations, reports, or data generated by our AI.
  • Ensuring that you comply with all applicable tax laws and regulations.
  • Making your own business and financial decisions based on your judgment and professional advice.

7.1 AI-Generated Content

Our Service uses AI features to provide automated categorization, insights, and recommendations. While we design these features to be helpful, AI outputs may contain errors, inaccuracies, or omissions. You must review and verify all AI-generated information before relying on it.

8. Disclaimer of Warranties

The Site is provided on an "as is" and "as available" basis without any warranties of any kind. We do not guarantee that the Site will be error-free, secure, or uninterrupted. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including the warranty of merchantability, fitness for a particular purpose, and non-infringement.

9. Limitation of Liability

9.1 Exclusion of Certain Damages

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES WILL Parsie LTD, Newark, DE 19702 OR ITS RESPECTIVE AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, OR SERVICE PROVIDERS BE LIABLE FOR ANY OF THE FOLLOWING:

  • ANY INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL LOSSES OR DAMAGES;
  • LOSS OF REVENUE, PROFITS, ANTICIPATED SAVINGS, OR BUSINESS OPPORTUNITIES;
  • LOSS OR CORRUPTION OF DATA, REPUTATION, OR GOODWILL;
  • COSTS ASSOCIATED WITH PROCURING SUBSTITUTE GOODS OR SERVICES;
  • ANY BUSINESS INTERRUPTIONS OR WORK STOPPAGES; OR
  • ANY TAX PENALTIES OR LEGAL LIABILITIES RESULTING FROM YOUR RELIANCE ON THE SERVICES.

THIS APPLIES REGARDLESS OF THE LEGAL THEORY ASSERTED (A CONTRACT CLAIM, TORT/NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE), EVEN IF WE HAVE BEEN ADVISED THAT SUCH DAMAGES WERE POSSIBLE.

9.2 Maximum Liability Limit

TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOTAL CUMULATIVE LIABILITY OF Parsie LTD, Newark, DE 19702 FOR ANY CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICES SHALL BE STRICTLY LIMITED TO THE GREATER OF:

  • THE TOTAL AMOUNT YOU PAID TO US IN THE THREE (3) MONTHS PRIOR TO THE INCIDENT GIVING RISE TO THE CLAIM; OR
  • ONE HUNDRED U.S. DOLLARS ($100).

9.3 Basis of the Bargain

THE LIMITATIONS OF LIABILITY SET FORTH HEREIN ARE FUNDAMENTAL ELEMENTS OF THE AGREEMENT BETWEEN YOU AND US. WE WOULD NOT BE ABLE TO PROVIDE THE SERVICES ON AN ECONOMICALLY VIABLE BASIS WITHOUT THESE LIMITATIONS. THESE LIMITATIONS APPLY EVEN IF A REMEDY PROVIDED TO YOU IS DETERMINED TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

9.4 Risk Allocation

YOU ACKNOWLEDGE AND AGREE THAT THESE PROVISIONS REFLECT A FAIR ALLOCATION OF RISK AND THAT Parsie LTD, Newark, DE 19702 HAS SET ITS PRICING AND ENTERED INTO THESE TERMS IN RELIANCE UPON THESE LIMITATIONS OF LIABILITY.

10. Indemnification

You agree to indemnify and hold Parsie LTD, Newark, DE 19702, its affiliates, officers, directors, employees, and agents harmless from any claims, losses, damages, liabilities, and expenses arising out of your use of the Site or violation of these Terms.

11. Changes to Terms

We may update these Terms from time to time. Any changes will be posted on this page with a new "Last Updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

12. Governing Law

These Terms are governed by the laws of Delaware, USA. Any disputes arising from these Terms shall be resolved in the state or federal courts of Delaware.

13. Termination and Suspension

13.1 Termination by You

You have the right to cancel your subscription whenever you wish. You can do this through your account settings or by emailing a written notice to hello@meetfyno.com. Cancellation will take effect at the end of your current billing cycle. You will continue to have access to the Service until that date, and you are responsible for all fees until the end of the period.

13.2 Termination by Us

We reserve the right to suspend or terminate your subscription immediately if:

  • You violate any part of these Terms.
  • Your account is involved in illegal or fraudulent activities.
  • You fail to pay subscription fees within 14 days of the due date.
  • Continuing to provide the Service would break the law.
  • Your use of the Service creates a security risk.

We may also terminate your subscription for any reason (or no reason) by providing you with 30 days' written notice.

13.3 Effect of Termination

When your subscription ends:

  • Your access to the Service will stop.
  • Your license to use the Service is revoked.
  • You must pay any fees incurred before the termination date.
  • No refunds will be given, except where the law requires it.

13.4 Data Retention

While Your Subscription Is Active: We retain your Customer Data for up to seven (7) years from the date of upload or creation, in accordance with standard accounting and tax record-keeping requirements. This allows you to access historical financial records for auditing, tax filing, and compliance purposes.

After Cancellation or Termination: When your subscription ends, your account will be archived. You will have ninety (90) days from the date of cancellation or termination to access your account and download your data. During this 90-day period:

  • You can log in to access, review, and export your data.
  • You can reactivate your subscription by paying any unpaid fees to regain full access.
  • You can request a copy of your data by contacting hello@meetfyno.com.

After the 90-day access period, your data will be permanently removed from our systems, unless the law requires us to retain it for a longer period. If you wish to have your data deleted sooner, you can request immediate deletion by contacting hello@meetfyno.com.

13.5 Survival

The following sections will continue to apply even after these Terms are terminated: Sections 3 (Intellectual Property), 8 (Disclaimer of Warranties), 9 (Limitation of Liability), 10 (Indemnification), and 12 (Governing Law).

14. Contact Us

If you have any questions about these Terms, please contact us through our contact form.

Parsie LTD, Newark, DE 19702