Terms of Service

Clarafi is currently an independent, personal/hobby software project made available on an experimental basis. It is not a commercial product, and it is not offered with any service-level commitment, professional support obligation, or guarantee of continued operation. The operator ("we", "us") may modify, suspend, restrict, or discontinue the Service, in whole or in part, at any time and without notice.

You must be able to form a binding contract to use the Service. You are responsible for:

• The accuracy of information you provide when registering;
• Maintaining the confidentiality of your login credentials;
• All activity that occurs under your account or within any organization you create or join.

You must notify us promptly if you become aware of unauthorized access to your account.

THE SERVICE, INCLUDING ALL FEATURES, DATA, AND OUTPUT (INCLUDING FINANCIAL CALCULATIONS, LEDGER ENTRIES, REPORTS, AND STATEMENTS), IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY.

To the fullest extent permitted by applicable law, we disclaim all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement;
• Any warranty that the Service will be uninterrupted, timely, secure, or error-free;
• Any warranty regarding the accuracy, completeness, or reliability of any output, calculation, report, or data generated by the Service;
• Any warranty regarding uptime, availability, or continued existence of the Service;
• Any warranty regarding the durability, integrity, or recoverability of stored data, including in the event of data loss, corruption, or deletion.

You expressly acknowledge that accounting output produced by the Service has not been reviewed by an accountant, auditor, or tax professional, and should not be relied upon as a substitute for professional financial, tax, or legal advice. You are solely responsible for verifying the accuracy of your financial records and for maintaining your own independent backups of any data you consider important.

We aim to build the Service responsibly, but security is not guaranteed. Authentication mechanisms (including passwords, tokens, and any future multi-factor or two-factor authentication) are provided without warranty of any kind. No method of transmission or storage is 100% secure. You acknowledge that:

• The Service may contain security vulnerabilities, known or unknown;
• We do not guarantee that unauthorized parties will never gain access to your account or data;
• You use the Service, and store any data within it, entirely at your own risk.

Do not store data in Clarafi that you cannot afford to lose, expose, or be without access to.

BY CREATING AN ACCOUNT OR AN ORGANIZATION, YOU ACKNOWLEDGE AND ACCEPT THAT YOUR USE OF THE SERVICE IS ENTIRELY AT YOUR OWN RISK.

This includes, without limitation, the risk of data loss, data exposure, service interruption, permanent discontinuation of the Service, and inaccuracies in any financial data or calculations produced by the Service.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE, OUR CONTRIBUTORS, OR ANYONE ASSOCIATED WITH THE DEVELOPMENT OF THE SERVICE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF DATA, LOSS OF PROFITS, LOSS OF BUSINESS, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE, REGARDLESS OF THE LEGAL THEORY (CONTRACT, TORT, OR OTHERWISE), EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Because the Service is provided free of charge, our total aggregate liability arising out of or relating to these Terms or the Service, to the extent any liability is found to exist despite the foregoing, shall not exceed USD $0 (zero dollars) — reflecting that no fee has been paid for the Service.

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities, so some of the above limitations may not apply to you.

You agree not to:

• Use the Service for any unlawful purpose, or to store or process data you are not lawfully entitled to hold;
• Attempt to gain unauthorized access to another user's organization or data;
• Interfere with, disrupt, or attempt to reverse-engineer the Service;
• Use the Service to store another person's or entity's real financial data without appropriate authorization, if the Service is later opened to multiple tenants.

Clarafi is architected to logically separate data between organizations, but no guarantee is made regarding the effectiveness of this separation. If you invite others to your organization or use the Service on behalf of others, you are responsible for ensuring you have the right to do so and for informing them that the Service is provided without warranty.

The Service, including its underlying software, design, and branding, is owned by the operator unless otherwise stated. You retain ownership of the data you input into the Service, subject to the disclaimers above regarding its durability and security.

We may suspend or terminate your access to the Service at any time, with or without cause or notice, including permanent discontinuation of the Service in its entirety. You may stop using the Service at any time. Provisions of these Terms that by their nature should survive termination (including Sections 3, 5, 6, and 11) will survive.

You agree to indemnify and hold harmless the operator and any contributors from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising out of your use of the Service or your violation of these Terms.

We may update these Terms at any time. Continued use of the Service after changes are posted constitutes acceptance of the revised Terms. Material changes may be communicated via the Service if feasible, but this is not guaranteed given the hobby-project nature of the Service.

Questions about these Terms can be directed to: clarafi@codexlab.me