These Terms of Service ("Terms") are a binding agreement between you - whether acting personally or on behalf of an entity ("you", "your", or "Customer") - and Dotio Inc., a Delaware corporation ("Dotio", "we", "us", or "our"), governing your access to and use of our websites (including getdotio.com), applications, AI agents, and related products and services (together, the "Services").
Please read these Terms carefully. They include important limitations on our liability (Section 21), a description of how our AI works and its limits (Sections 4-6), an agreement to resolve most disputes by individual arbitration and to waive class actions (Section 19), and a section on your rights if you are a consumer in the EU, UK, or certain other jurisdictions (Section 20).
By creating an account, clicking "I agree," or accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, Acceptable Use Policy, and - where applicable - our Data Processing Addendum, each incorporated by reference. If you do not agree, do not use the Services.
Quick summary (not a substitute for the Terms). Dotio is software, including AI "agents," that helps you manage finance tasks. Dotio is not an accountant, bookkeeper, auditor, tax adviser, lawyer, or financial adviser, and nothing it produces is professional advice - always have a qualified human review anything important. AI can make mistakes; you are responsible for what you rely on and submit. We never use your data to train AI models. Some features rely on third parties (such as Anthropic for AI and Amazon Web Services for storage) whose own systems we do not control. We back our paid plans with a 14-day money-back guarantee.
01Who may use the Services
The Services are intended for business and professional use by users who are at least 18 years old and have the legal capacity to enter into a contract. The Services are not directed to consumers seeking personal, family, or household financial management, and are not intended for anyone under 18.
If you accept these Terms on behalf of a company or other entity, you represent that you have authority to bind that entity, and "you" refers to that entity.
Sanctions and export controls. Dotio Inc. is a United States company and must comply with U.S. (and applicable EU/UK) sanctions and export-control laws. You may not access or use the Services if you are located in, ordinarily resident in, or organized under the laws of a country or territory we restrict - which currently includes Cuba, Iran, North Korea, Syria, the Crimea/Donetsk/Luhansk regions of Ukraine, Russia, Belarus, Myanmar, Venezuela, Afghanistan, Sudan, and South Sudan, among others - or if you are, or are owned or controlled by, a party on any applicable restricted-party or sanctions list (such as the U.S. OFAC SDN list). The full, controlling list and rules are in our Acceptable Use Policy, which is updated to track the official sanctions lists as they change. We may use technical measures, including country-level blocking, to enforce this, and each time you use the Services you represent that you are not subject to these restrictions.
02The Services, in plain terms
Dotio provides software for finance and back-office tasks, which may include bookkeeping and a general ledger, invoicing and accounts receivable, vendor bills and accounts payable, expense capture and categorization, budgets, forecasting and planning, reporting and dashboards, document generation, and a set of AI "agents" you can interact with in natural language across supported channels.
Dotio Go (mobile app). Dotio Go is our mobile application and is part of the Services. It is how you chat with your AI team and use the Dotio finance OS on the go, by text or voice - for example to ask questions, capture receipts, send invoices, and review your numbers from your device. Your use of Dotio Go is governed by these Terms. We grant you a limited, non-exclusive, non-transferable, revocable license to install and use Dotio Go on devices you own or control, for your internal business use. Your download and use are also subject to the terms of the app store you obtain it from (for example, the Apple App Store or Google Play). Where you obtain Dotio Go from the Apple App Store, you acknowledge that these Terms are between you and Dotio (not Apple), that Apple has no obligation to provide support or maintenance for the app, and that Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them. Features offered on a beta basis are also subject to our Beta Agreement.
Agents are software, not people and not licensed professionals. Names such as "CFO," "Accountant," "Bookkeeper," "Tax Guide," "Analyst," "Auditor," or "Document Creator" are product feature names. They describe software functions and do not mean that a licensed certified public accountant, chartered accountant, auditor, tax practitioner, attorney, or financial adviser is involved or available through the Services.
03Plans, credits, beta features, and changes to the Services
Plans and credits. The Services are offered under subscription plans, some of which include or allow the purchase of usage "credits" that power AI features. When your credits are exhausted, AI features may pause while the rest of your account (your data, dashboards, files, and reports) remains available, subject to these Terms. Current plan details and pricing are described at getdotio.com/pricing.
Beta and evolving features. Parts of the Services are new, in beta, or change frequently. Features described as "coming soon" or "beta" may be unavailable, change, or be withdrawn. We may add, change, suspend, or remove features at any time. You should not purchase, or rely on, the Services based on features that are not currently available, and any roadmap statements are aspirational, not promises. Beta features are governed by the Beta Agreement where one applies.
Acceptable use. Your use of the Services must comply with our Acceptable Use Policy, including restrictions on certain regulated industries and activities. The Services are general business software and are not designed to meet industry-specific regulatory regimes (for example HIPAA/PHI, GLBA-regulated financial-institution activities, FISMA, PCI cardholder-data environments, or broker-dealer/investment-adviser regimes). Do not use the Services for any purpose that would subject Dotio to such regimes.
04AI features, output, and "not professional advice"
How it works. Many features use artificial intelligence, including large language models provided by third parties (see Section 7), to generate text, categorizations, calculations, documents, summaries, forecasts, and other outputs ("Output"). Output is generated by automated systems based on the information available to them.
AI can be wrong. Output may be inaccurate, incomplete, outdated, or otherwise unsuitable for your situation. AI systems can "hallucinate" - that is, produce confident statements that are false. You must independently review and verify any Output before relying on it, acting on it, submitting it to any third party (including tax authorities, regulators, investors, lenders, or your accountant), or making any financial, tax, legal, or business decision.
Not professional advice. The Services and all Output are provided for informational and productivity purposes only and do not constitute accounting, bookkeeping, audit, assurance, tax, legal, investment, or other professional advice, and do not create any professional-client relationship. Dotio does not file tax returns, lodge statutory filings, perform audits or assurance engagements, or provide regulated advice. You remain solely responsible for your books, records, filings, and compliance, and you should obtain advice from a qualified, licensed professional before acting on anything important.
Your responsibility for inputs. You are responsible for the accuracy, legality, and completeness of the information you provide to the Services, and for your decisions and outputs that result from using them.
Actions taken by agents. Some features let an agent act for you, such as posting bookkeeping entries, drafting or sending invoices, scheduling payment reminders, organizing documents, or carrying out tasks you set to run automatically or in the background. When you ask an agent to perform a task, enable an automation, or connect another tool for it to use, you authorize those actions, and any action an agent takes under your instructions or settings is treated as authorized by you. You are responsible for configuring automations sensibly and for reviewing what your agents do, and you can pause, disable, or disconnect any agent or integration at any time in your settings. Because AI is probabilistic, an agent may misread an instruction, act on incomplete data, or be affected by a third party's delay, outage, or change. To the maximum extent permitted by law, we are not responsible for losses caused by autonomous or automated actions, and you should keep a human in the loop and apply your own review before any significant, irreversible, or externally submitted action (for example a payment, a filing, or a message sent to a third party).
05Your content and how we use it (and AI training)
Your Customer Data. As between you and Dotio, you own all data, files, records, and other content you submit to or generate in the Services ("Customer Data"). You grant us a worldwide, non-exclusive, royalty-free license to host, store, copy, process, transmit, display, and otherwise use Customer Data solely to provide, secure, maintain, and support the Services for you, to comply with law, and as otherwise permitted by these Terms and the Privacy Policy (and, where applicable, the DPA).
We do not train AI on your data. We do not use Customer Data to train, fine-tune, or improve any artificial-intelligence or machine-learning models, whether ours or a third party's. We contractually require our AI providers not to use Customer Data submitted through the Services to train their models. (For how third-party providers process data generally, see Section 7.)
Aggregated and de-identified data. We may generate and use aggregated or de-identified information that does not identify you or any individual (for example, system performance metrics) to operate and improve the Services. We will not attempt to re-identify it.
Feedback. If you give us suggestions or feedback, you grant us a perpetual, irrevocable, royalty-free license to use it without restriction or obligation to you.
06Output ownership and accuracy
Subject to your compliance with these Terms and to our and our licensors' underlying rights, as between you and us, you own the Output you generate from your Customer Data, and you may use it for your business purposes. Because AI systems can generate similar Output for different users, we make no claim that Output is unique to you, and we make no representation or warranty that Output is accurate, complete, or fit for any purpose (see Sections 4 and 20). The disclaimer "AI can make mistakes - not legal, financial, or tax advice; verify before acting" applies to all Output.
07Third-party providers and services
The Services depend on third parties we do not control, including (without limitation) Anthropic (AI models that power the agents), Amazon Web Services (cloud hosting and storage), Stripe (payment processing), Cloudflare (network and security), and others listed on our Security page. Each third party operates under its own terms and privacy practices.
You acknowledge and agree that: (a) we do not control, and are not responsible for, how these third parties operate their systems or process data once it is in their environment; (b) their availability, performance, and security are outside our control; (c) we select reputable providers and, where they process personal data on our behalf, bind them by data-protection terms, but we cannot guarantee their performance; and (d) to the maximum extent permitted by law, we are not liable for the acts, omissions, outages, or security incidents of third-party providers. Your use of any third-party integration you choose to connect (for example, a bank connection, messaging app, or AI client) is also subject to that third party's terms.
Third-party links and content. The Services and our websites may link to third-party sites, content, products, and resources we do not control (for example, partner offers and perks). We provide these for convenience only. A link is not an endorsement, and we are not responsible for the availability, accuracy, content, products, or practices of any third-party site or resource. Your use of them is at your own risk and subject to those third parties' terms.
Nothing in this Section limits any non-waivable rights you have under applicable data-protection law, or our obligations as set out in the Privacy Policy and DPA.
08Accounts and security
You must provide accurate registration information and keep it current. You are responsible for safeguarding your credentials and for all activity under your account. Enable multi-factor authentication where offered. Notify us promptly at legal@getdotio.com if you suspect unauthorized use. We may suspend access where we reasonably believe your account is compromised or used in breach of these Terms.
09Intellectual property
We and our licensors own all rights in the Services, including all software, models, designs, text, graphics, and trademarks ("Dotio IP"). Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Services for your internal business purposes during your subscription. Except as expressly permitted, you may not copy, modify, distribute, sell, lease, reverse engineer, or create derivative works of the Services, or use them to build a competing product. All rights not expressly granted are reserved.
10Fees, billing, money-back guarantee, and cancellation
Fees and billing. You agree to pay all fees for your selected plan and any credits or add-ons, at the prices in effect when the charge is incurred. Unless stated otherwise, fees are stated and charged in U.S. dollars and are exclusive of taxes; you are responsible for applicable taxes (such as VAT or sales tax), which we may add where required. Payments are processed by Stripe; by providing a payment method you authorize recurring charges as described below.
Subscriptions and renewal. Subscriptions automatically renew for successive terms (monthly or yearly, as selected) at the then-current price unless cancelled before the renewal date. We will give advance notice of material price changes as required by applicable law, and where required will obtain your consent.
14-day money-back guarantee. If you are a new paying customer and are not satisfied, you may request a full refund of your first subscription payment within 14 days of that initial charge by contacting legal@getdotio.com. This guarantee applies once per customer, to the initial subscription charge only. Except for this guarantee, where required by applicable consumer law (see Section 20), or where expressly stated, fees are non-refundable and amounts already incurred for consumed usage/credits are not refundable.
Where you buy. The money-back guarantee above applies to subscriptions purchased through Dotio's own web checkout. If you subscribe or buy through a mobile app store (such as the Apple App Store or Google Play), that store handles billing, cancellations, and refunds under its own rules; you must request any refund and manage renewals through your account with that store. See the Dotio Go Terms for details.
Cancellation. You may cancel anytime in your account settings or by contacting us; cancellation takes effect at the end of the current paid term, and you retain access until then. We do not provide pro-rata refunds for partial terms except as required by law or under the money-back guarantee.
Non-payment. We may suspend or limit the Services for overdue amounts after reasonable notice.
11Term, suspension, and termination
These Terms apply while you use the Services. You may stop using the Services and close your account at any time. We may suspend or terminate your access (a) for breach of these Terms or the Acceptable Use Policy, (b) to comply with law or protect the Services, users, or third parties, or (c) on notice for convenience. Where the reason is not your breach or a legal/security necessity, we will give reasonable advance notice.
Effect of termination. On termination, your license to use the Services ends. We will make Customer Data available for export for a wind-down period of 30 days after termination (except where prohibited by law), after which we may delete it in the ordinary course, subject to the retention rules in the Privacy Policy. Sections that by their nature should survive (including Sections 4–7, 9, 13, 15, 19–22) survive termination.
12Changes to these Terms
We may update these Terms. If changes are material, we will provide reasonable notice (for example by email or in-product) before they take effect. Changes are not retroactive. Your continued use after the effective date means you accept the updated Terms; if you do not agree, stop using the Services and you may cancel.
13Confidentiality of non-public materials
Non-public information we make available about the Services (including beta features, pricing offered to you, and security details shared on request) is our confidential information; use it only to evaluate and use the Services and do not disclose it except as permitted. This does not limit your ownership of Customer Data.
14Service availability
We work to keep the Services available but do not guarantee uninterrupted or error-free operation. We may perform maintenance and may modify or discontinue features. We are not liable for unavailability, delays, or data loss arising from matters reasonably outside our control, subject to Section 20.
15Indemnification
To the extent permitted by law, you will defend, indemnify, and hold harmless Dotio and its officers, directors, employees, and agents from third-party claims, damages, and reasonable costs (including legal fees) arising from: (a) your Customer Data; (b) your use of the Services in breach of these Terms or the Acceptable Use Policy; (c) your violation of law or of any third party's rights; or (d) your reliance on Output in breach of Section 4. We will notify you of the claim, let you control the defense (with our reasonable cooperation), and not settle in a way that imposes obligations on us without our consent. This Section does not apply to the extent a claim arises from our breach, and does not apply to consumers where prohibited by applicable law.
16Disclaimers
Except as expressly stated in these Terms and to the maximum extent permitted by applicable law, the Services and all Output are provided "as is" and "as available," and we disclaim all warranties, express, implied, or statutory, including merchantability, fitness for a particular purpose, title, non-infringement, and any warranty regarding accuracy, reliability, or availability. We do not warrant that Output is correct or fit for any purpose, that the Services will be uninterrupted or secure, or that defects will be corrected. We are not responsible for third-party providers or integrations (Section 7). Nothing in these Terms excludes any warranty or right that cannot be excluded under applicable law (see Section 20).
17Limitation of liability
To the maximum extent permitted by applicable law:
(a) Neither party will be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost data, or business interruption, arising out of or related to the Services, even if advised of the possibility.
(b) Our total aggregate liability for all claims arising out of or related to the Services or these Terms will not exceed the greater of (i) the amounts you paid to us for the Services in the 12 months before the event giving rise to the claim, or (ii) USD $100.
(c) These limitations apply regardless of the theory of liability and form the basis of the bargain. Some jurisdictions do not allow certain exclusions or limitations; if they apply to you, some of the above may not apply, and nothing here limits liability that cannot be limited by law - including, where applicable, liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation (see Section 20).
18Governing law
These Terms are governed by the laws of the State of Delaware, USA, excluding its conflict-of-laws rules, and excluding the U.N. Convention on Contracts for the International Sale of Goods. If you are a consumer, this choice of law does not deprive you of the protection of mandatory consumer-protection provisions of the law of your country of habitual residence (see Section 20).
19Dispute resolution; arbitration; class-action waiver
Please read this Section carefully - it affects how disputes are resolved.
Informal resolution first. Before starting a formal proceeding, the parties will try in good faith to resolve any dispute for at least 30 days after written notice to legal@getdotio.com (or to you at your account email).
Binding arbitration. Except as stated below, any dispute arising out of or relating to these Terms or the Services will be resolved by final and binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The seat/location is Wilmington, Delaware; proceedings will be in English. Judgment on the award may be entered in any court of competent jurisdiction.
Class-action waiver. Disputes will be conducted only on an individual basis. You and Dotio waive any right to participate in a class, collective, consolidated, or representative action. An arbitrator may not consolidate claims or preside over any representative proceeding.
Coordinated or mass filings. If 25 or more arbitration demands raising similar claims are filed against us by or with the assistance of the same or coordinated counsel, we may require that they be administered in sequential batches of up to 10 demands at a time: a first batch is heard and decided, the remaining demands are held in the meantime, and the parties use those outcomes in good faith to try to resolve the rest. Filing fees are assessed only for the batch then being heard. This process is meant to keep arbitration efficient and fair for everyone; it is not a waiver of any party's right to arbitrate, and any applicable time limit is paused for demands awaiting their batch.
Exceptions. Either party may (a) bring an individual claim in small-claims court, and (b) seek injunctive or equitable relief in court to protect intellectual property or address unauthorized access or misuse.
Time limit to bring a claim. To the extent permitted by the law that applies to you, any claim arising out of or relating to these Terms or the Services must be commenced within one (1) year after the claim first arose; otherwise it is permanently barred. This time limit does not apply where the law that applies to you provides a longer period that cannot be shortened by agreement (which includes many consumers in the EU and UK).
Carve-out for consumers (EU/UK and others). If you use the Services as a consumer, the arbitration agreement, class-action waiver, Delaware seat, and governing-law choice above do not deprive you of, and are subject to, the mandatory rights and forums available to you under the law of your country of habitual residence. EU/UK consumers may bring proceedings in, and rely on the mandatory law of, their home jurisdiction, and may use the EU Online Dispute Resolution platform where available. To the extent the law applicable to a consumer prohibits pre-dispute arbitration or class waivers, those provisions do not apply to that consumer.
20Consumers and mandatory local rights (EU, UK, and certain other jurisdictions)
If you use the Services as a consumer, or if mandatory law in your jurisdiction grants you rights that cannot be waived:
- Nothing in these Terms limits your statutory rights, including any non-excludable warranties or guarantees as to the Services, or your statutory withdrawal/cooling-off rights where they apply.
- The limitations and exclusions of liability in Sections 16–17 apply only to the extent permitted by the law applicable to you; they do not exclude or limit liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any liability that cannot be excluded by law.
- Where your local law (for example, in the EU, UK, or parts of Latin America such as Brazil's CDC, Mexico's PROFECO regime, or similar consumer codes) gives you broader rights, those rights prevail over any conflicting term here.
- Our Privacy Policy describes additional rights regarding your personal data, including under the GDPR/UK GDPR and the EU AI Act.
EU/UK right of withdrawal and immediate access. If you are a consumer in the EEA or UK, you normally have 14 days to withdraw from a distance contract. By subscribing and choosing to use the Services right away, you expressly request that we begin providing them immediately and you acknowledge that, once we have started, you lose the right to withdraw for the portion already supplied. If you withdraw within the withdrawal period, any refund for the remainder is reduced in proportion to what you have already used. This statutory right is separate from, and additional to, our 14-day money-back guarantee in Section 10, which is more generous and, where it applies, refunds your first subscription payment in full.
21Miscellaneous
These Terms, together with the documents they incorporate, are the entire agreement between you and us regarding the Services and supersede prior agreements on the subject. If any provision is unenforceable, it will be limited or severed to the minimum extent necessary and the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets. There is no partnership, agency, or employment relationship between us. We are not liable for failure or delay caused by events beyond our reasonable control (force majeure). Notices to you may be given by email or in-product; notices to us go to legal@getdotio.com.
