Terms and Conditions

1. Acceptance of These Terms

These Terms and Conditions govern your access to and use of OpenFintel, including the website, dashboard, document vault, financial parser, KPI engine, Activity Map, provider marketplace, booking tools, service deliverables, subscriptions, payment workflows, and any connected accounting integrations.

By creating an account, signing in, buying a plan, uploading files, connecting an accounting system, publishing a provider profile, or otherwise using OpenFintel, you agree to these Terms and our Privacy Policy. If you use OpenFintel for a company, trust, partnership, or other organisation, you confirm that you are authorised to bind that organisation.

2. Who May Use OpenFintel

You must be legally able to enter into a binding agreement and must only use OpenFintel for lawful business, accounting, advisory, bookkeeping, or financial management purposes. You are responsible for your account, your sign-in credentials, your users, and all activity under your account.

You must provide accurate account, company, billing, provider, and contact information and keep it current. We may refuse, suspend, or close accounts that provide false information, misuse the service, or create unacceptable operational, legal, security, or payment risk.

If you are employed by, contracted to, or otherwise associated with a consulting, tax, accounting, bookkeeping, advisory, or financial services company, you confirm that your use of OpenFintel and any engagement you enter into is in your own capacity unless that company has separately authorised it. OpenFintel does not employ, hire, appoint, endorse, represent, or supervise you or that company.

3. Sign-In, Identity, and Provider Verification

OpenFintel may allow sign-in through Google, Microsoft, or other identity providers. Those services are operated by third parties and are subject to their own terms, policies, security practices, and account controls.

Provider accounts may be required to connect or verify a LinkedIn profile, complete a provider profile, maintain an eligible subscription, and satisfy any additional marketplace requirements before appearing to users in the marketplace. Verification helps marketplace trust, but it does not guarantee provider quality, licensing, availability, or results.

Verification, marketplace visibility, badges, profile fields, booking access, or payment access do not create employment, agency, partnership, franchise, endorsement, professional supervision, or authority to act for OpenFintel.

4. What OpenFintel Provides

OpenFintel helps users upload or connect financial data, classify business categories, calculate KPIs, map business activity, simulate drivers, manage subscriptions, book support, and exchange provider service deliverables. Outputs may include summaries, suggested categories, suggested nodes, suggested relationships, dashboards, documents, alerts, and AI-assisted insights.

OpenFintel is a software and workflow platform. It is not a bank, registered tax agent, auditor, law firm, investment adviser, or replacement for qualified professional advice. KPI calculations, AI outputs, Activity Map suggestions, classifications, and forecasts are informational tools and must be reviewed before you rely on them for tax, legal, lending, investment, payroll, reporting, or business decisions.

OpenFintel provides portal access, workflow tools, document storage, marketplace routing, and software-assisted analysis only. OpenFintel does not provide accounting, tax, legal, investment, employment, recruitment, or business advisory services through the platform unless a separate written agreement expressly says otherwise.

No provider, user, consultant, accountant, bookkeeper, employee, contractor, or company using OpenFintel has authority to bind OpenFintel, act as OpenFintel's agent, make promises on OpenFintel's behalf, or represent that OpenFintel is responsible for their professional advice, services, conduct, or results.

5. Your Data and Uploads

You retain ownership of the files, business data, financial data, provider profiles, bookings, messages, workspace configurations, formulas, mapped nodes, deliverables, and other content you submit to OpenFintel. You grant OpenFintel a limited licence to host, process, parse, classify, transform, display, back up, secure, and otherwise use that content as needed to provide, maintain, protect, troubleshoot, and improve the service.

You confirm that you have the right to upload, connect, share, or instruct us to process any data you provide, including data about employees, customers, suppliers, providers, clients, companies, transactions, invoices, receipts, tax documents, and accounting systems.

Provider deliverables, such as tax submission proof, final receipts, statements, or government acknowledgements, are stored for booking and service verification workflows. They are separate from KPI and Activity Map parsing unless OpenFintel clearly offers a separate action to use them for financial analysis.

6. Accounting Connections and Third-Party Integrations

If you connect accounting systems such as Xero or other third-party platforms, you authorise OpenFintel to access, sync, store, and process the data made available under the permissions you approve. You are responsible for ensuring that you have authority to connect that organisation or accounting file.

You may disconnect integrations where the product allows, but data already synced may remain in OpenFintel until deleted or retained under these Terms, the Privacy Policy, or legal, billing, security, audit, dispute, or backup requirements. Third-party systems may change or limit their APIs, pricing, scopes, uptime, data formats, or approval requirements, and OpenFintel is not responsible for those third-party changes.

7. Provider Marketplace and Bookings

The marketplace may allow users to find, book, and pay for accountants, financial consultants, bookkeepers, or other providers. Providers are independent from OpenFintel unless expressly stated otherwise. Providers are responsible for their own qualifications, licences, insurance, tax obligations, service descriptions, pricing, advice, work quality, deadlines, and deliverables.

OpenFintel may help route bookings, payments, documents, proof-of-work files, and messages, but it does not guarantee that a provider will accept a booking, complete work, meet a deadline, achieve a financial outcome, or provide advice suitable for your circumstances. Users must review provider profiles, scope, terms, and deliverables before relying on provider work.

Providers must not publish misleading profiles, claim qualifications they do not hold, misuse client data, upload false completion evidence, move users off-platform to avoid fees where prohibited, or provide services they are not legally allowed to provide.

Providers are not employees, workers, agents, franchisees, partners, or representatives of OpenFintel. A provider's engagement with a business user is a matter between that provider and that business user. OpenFintel is not the provider's employer and is not hiring the provider to perform accounting, tax, bookkeeping, consulting, or advisory work.

Providers are responsible for checking whether their employment contract, contractor agreement, professional obligations, regulatory duties, client obligations, conflict-of-interest rules, insurance cover, tax or GST obligations, and company policies allow them to offer services through OpenFintel. If a provider acts without permission from their employer, client, professional body, regulator, or associated firm, that is the provider's responsibility and not OpenFintel's responsibility.

8. Provider Engagements Between Users and Providers

A provider engagement is between the business user and the selected provider. The parties are responsible for confirming scope, period, price, payment terms, cancellation rights, cooling-off terms where offered, deliverables, communication expectations, confidentiality, document handling, and any service-specific obligations before relying on the engagement.

OpenFintel may provide engagement request forms, status labels, chat access, document vaults, booking calendars, alerts, payout records, and administrative workflow tools. Those tools do not make OpenFintel a party to the professional services contract between the business user and provider.

Electronic confirmations, acceptance clicks, platform records, email notices, uploaded agreement files, payment records, and engagement status labels may be used to evidence an engagement workflow, but the business user and provider remain responsible for ensuring their contract terms are complete, lawful, authorised, and suitable for their circumstances.

Consultation engagements may include session booking rules, chat access, KPI dashboard access, FintelMap access, and advisory workspace access only where the active plan and engagement allow it. Bookkeeping engagements may include tax and bookkeeping vault, chat, document submission, receipts, and provider deliverable workflows only where the active plan and engagement allow it.

Provider fulfilment may be measured through platform milestones, including required video sessions, FintelMap work activity, KPI review activity, document submissions, uploaded receipts, handover notes, chat records, and other proof-of-work records where the product supports those workflows.

Business users and providers should keep their scope clear. Any work outside the agreed engagement, including urgent tax advice, legal advice, audit work, payroll decisions, lending advice, investment advice, or regulated professional work, must be handled under a separate agreement with an appropriately qualified professional.

If a user changes provider, prior provider work, notes, documents, models, deliverables, or FintelMap context should only be shared with the next provider where the user has the right to share it and the engagement or handover option allows it. Provider-created materials remain protected unless the relevant party has granted a licence, handover right, or other permission.

OpenFintel may assist administratively with disputes, access, document history, payout status, or platform records, but OpenFintel does not decide professional negligence, tax accuracy, accounting quality, business outcome, employment conflict, or fee-dispute liability between a user and provider unless required by law or payment processor rules.

9. Payments, Subscriptions, Billing, and Refunds

Paid plans, provider marketplace plans, bookings, add-ons, usage fees, and other charges may be processed by Stripe or another payment provider. You authorise OpenFintel and its payment processors to charge your selected payment method for approved purchases, renewals, taxes, fees, and adjustments.

Subscription plans may renew automatically unless cancelled before the renewal date. Pricing, plan features, limits, marketplace fees, platform fees, and taxes may change from time to time. If a payment fails, we may retry the charge, limit access, suspend paid features, pause provider visibility, cancel bookings, or close the account.

Unless stated in writing or required by law, fees are non-refundable once a billing period, booking, usage event, file processing event, or provider service has started. Refunds, credits, or adjustments may be offered at OpenFintel's discretion, subject to payment processor rules, provider payout status, suspected abuse, chargeback risk, and applicable law.

The Provider marketplace plan fee is a platform access and marketplace visibility fee. It is non-refundable whether or not the provider receives, accepts, completes, or is paid for a user engagement, except where a non-refundable rule is not allowed by applicable law.

Provider service payouts remain pending until required engagement fulfilment milestones are submitted and accepted through the platform workflow. If a provider fails to meet required fulfilment milestones, the provider service payout may be withheld or forfeited after OpenFintel review.

Business user refunds for failed provider delivery may be considered after OpenFintel review. Payment processor fees, Stripe deductions, platform fees, marketplace access fees, and other non-refundable charges may be deducted or excluded unless applicable law requires otherwise.

Provider payouts may require Stripe Connect or another payout process, identity checks, tax information, fraud review, service completion, user dispute windows, platform fee deductions, payment processor deductions, and administrative approval. OpenFintel may delay or withhold payouts where required to manage legal, fraud, refund, chargeback, compliance, or service delivery risk.

Users and providers must not use off-platform payment or communication arrangements to avoid OpenFintel fees, platform rules, engagement records, dispute workflows, security controls, or compliance checks where those workflows are required by OpenFintel.

10. Acceptable Use

You must not use OpenFintel to break the law, infringe rights, upload data you are not authorised to use, mislead users, impersonate others, interfere with the service, reverse engineer the platform, bypass access controls, scrape excessive data, introduce malware, attack systems, abuse support channels, create fraudulent transactions, or use OpenFintel for spam, phishing, money laundering, tax evasion, or other harmful activity.

You must not rely on OpenFintel outputs as the sole source of truth for statutory filings, tax returns, lending decisions, audits, payroll, investment decisions, or legal compliance. You are responsible for reviewing imported data, classifications, mappings, formulas, generated nodes, provider deliverables, and final reports.

11. Intellectual Property

OpenFintel owns the platform, software, design, workflows, models, classification systems, templates, documentation, marks, logos, and service improvements, except for your content and third-party materials. These Terms do not transfer ownership of OpenFintel intellectual property to you.

You may use OpenFintel only as allowed by these Terms and your active plan. You may not copy, sell, resell, sublicense, or commercially exploit the platform except through approved OpenFintel workflows.

Users retain ownership of their uploaded business data and documents. Providers retain ownership of their original professional materials unless the relevant engagement terms, handover terms, or applicable law give the user a right to use, receive, or share those materials. OpenFintel may store and display those materials only as needed to operate the platform and permitted workflows.

12. Privacy, Security, and Confidentiality

Our Privacy Policy explains how we collect, use, store, share, and protect personal information and business data. You are responsible for deciding what data to upload, who you invite, which providers you engage, and which integrations you connect.

We use reasonable technical and organisational safeguards, but no internet service can guarantee absolute security, uninterrupted access, or error-free operation. You should keep your accounts secure, review access permissions, and immediately tell us about suspected unauthorised access.

Chat messages, uploaded documents, provider deliverables, tax records, bookkeeping files, KPI data, FintelMap versions, AI summaries, and engagement records are confidential business information. You must not access, use, copy, export, disclose, or share another party's confidential information except as allowed by the relevant plan, engagement, user permission, law, or OpenFintel workflow.

A business user is responsible for choosing which provider can access their workspace, documents, chat, KPI data, FintelMap content, tax files, bookkeeping files, and deliverables. A provider must only access or use that information for the authorised engagement purpose.

OpenFintel administrators may access limited records where reasonably needed for support, security, billing, compliance, fraud prevention, dispute handling, legal obligations, quality control, or platform maintenance.

13. Service Availability and Changes

OpenFintel may add, remove, suspend, limit, or change features, plans, APIs, integrations, beta tools, AI outputs, marketplace rules, storage limits, or pricing. We may perform maintenance, respond to security issues, comply with law, or update the product as the business evolves.

Some features may be experimental, beta, or dependent on third-party systems. They may be incomplete, inaccurate, delayed, unavailable, or changed without notice.

14. Suspension and Termination

You may stop using OpenFintel at any time. You remain responsible for charges incurred before cancellation or termination. We may suspend or terminate access if you breach these Terms, fail to pay, create risk for OpenFintel or other users, misuse data, violate law, or if continuing to provide the service is no longer commercially or legally practical.

After termination, we may delete, retain, or restrict access to data in accordance with our Privacy Policy, backups, legal obligations, payment records, audit logs, dispute needs, and legitimate business interests.

15. Disclaimers and Liability Limits

To the maximum extent permitted by law, OpenFintel is provided on an as-is and as-available basis. We do not guarantee that the service will be uninterrupted, secure, error-free, accurate, complete, suitable for your business, or accepted by any tax authority, lender, investor, auditor, regulator, provider, or accounting platform.

To the maximum extent permitted by law, OpenFintel will not be liable for indirect, consequential, special, exemplary, punitive, loss-of-profit, loss-of-revenue, loss-of-goodwill, loss-of-data, business interruption, provider performance, third-party system, or accounting decision losses. Where liability cannot be excluded, our liability is limited to the amount you paid to OpenFintel for the affected service in the three months before the event giving rise to the claim.

AI outputs, KPI results, FintelMap forecasts, scenario simulations, classifications, alerts, recommendations, and provider matching signals are not guarantees of accuracy, compliance, tax outcome, accounting treatment, lending approval, funding success, business performance, revenue growth, cost savings, or investment return. You must independently review outputs and obtain qualified advice where appropriate.

Nothing in these Terms limits rights that cannot legally be limited, including non-excludable consumer guarantees or statutory rights that apply in your jurisdiction.

16. Indemnity

You agree to indemnify OpenFintel, its operators, employees, contractors, and partners from claims, losses, damages, liabilities, penalties, costs, and expenses arising from your content, your uploaded or connected data, your provider services, your business user engagement, your employment or company-authorisation dispute, your breach of these Terms, your misuse of the platform, your violation of law, or your infringement of another person's rights.

This includes claims from an employer, client, company, professional body, regulator, tax authority, customer, supplier, provider, business user, or third party arising from unauthorised use of OpenFintel, unauthorised provider services, conflicts of interest, breach of employment or contractor obligations, breach of confidentiality, or unauthorised use or disclosure of data.

17. Governing Law and Disputes

Unless mandatory local law says otherwise, these Terms are governed by the laws of New Zealand. Before starting formal proceedings, both parties agree to try to resolve disputes in good faith by contacting each other with enough detail to understand and respond to the issue.

18. Changes and Contact

We may update these Terms to reflect product, legal, operational, security, pricing, or business changes. The updated version will apply from the date shown on this page or from any later date stated in the notice.

For questions about these Terms, account issues, privacy requests, provider marketplace concerns, or billing matters, contact OpenFintel at openfintel@gmail.com or through the contact channel provided on the website.