Terms of Service

1. What Arctoga is

Arctoga is a tool for tracking personal and family finances. It scans receipts, reads bank statements you upload, categorizes spending, and shows you analytics, reminders and budgets. It is a bookkeeping and awareness tool — not a bank, and not a financial or tax advisor.

2. Your account

• You must give an accurate email and keep your password secure
• You are responsible for activity under your account
• An account is for one person or one household you belong to; do not share credentials publicly
• You must be old enough to enter a contract in your province or country

3. Acceptable use

When using Arctoga, you agree not to:

• Use it for anything unlawful, or to break the laws of Canada
• Attempt to access other users' data or bypass security
• Abuse, overload, scrape, or reverse-engineer the service or its API
• Upload content you have no right to upload

4. Subscriptions and payments

• Paid plans start with a 30-day free trial; no card is required to begin
• After the trial, the plan renews at the price shown on our website unless you cancel
• Payments are handled by Stripe; we never store your card details
• You can cancel anytime from your account — access continues until the end of the paid period

Prices may change; we will give notice before any change affects you.

5. AI processing and accuracy

Arctoga uses AI to read receipts and statements. AI is powerful but not perfect — it can misread an amount, a date, or a category. You are responsible for reviewing the data before relying on it, especially anything used for taxes. Arctoga does not provide financial, accounting or tax advice, and its output is not a substitute for a professional.

6. Your data and content

Your financial data is yours. We only process it to provide the service, as described in our Privacy Policy. You can export or delete it at any time.

7. Availability

We work hard to keep Arctoga running, but the service is provided “as is”, without a guarantee of uninterrupted availability. We may add, change or remove features as the product evolves.

8. Limitation of liability

To the extent permitted by law, Arctoga is not liable for financial decisions you make based on the app, for indirect or consequential losses, or for issues caused by third-party providers. Our total liability is limited to the amount you paid us in the 12 months before the claim.

9. Termination

You can stop using Arctoga and delete your account at any time. We may suspend or close an account that violates these terms or puts other users or the service at risk.

10. Governing law

These terms are governed by the laws of the Province of Manitoba and the federal laws of Canada that apply there.

11. Changes to these terms

We may update these terms as the product changes. For material changes we will notify you by email, and continued use after the change means you accept the updated terms.

12. Contact

Questions about these terms: arctoga.app@gmail.com.