Terms of use

1. The service

Orbinance is online software that helps you build financial forecasts (sales, employees, expenses, financing, projected financial statements) and compare them with actual results. We may change the service's features; if we remove a major feature from a paid plan, we will tell you at least 30 days in advance.

2. Not professional advice

Orbinance produces projections from the assumptions you enter. They are estimates, not guarantees. Orbinance doesn't provide accounting, tax, legal or investment advice and doesn't replace a chartered professional accountant or other professional. You are responsible for checking the figures you present to a bank, an investor or a grant agency.

3. Your account

• You must be 18 or older and provide accurate information.
• You are responsible for keeping your password confidential and for what is done with your account. Tell us promptly about any unauthorized access.
• The owner of a company in Orbinance decides who has access to it (members, share links) and is responsible for that access.

4. Your data

You keep ownership of everything you enter or import (“your data”). You only grant us the right to host, process and display it to provide the service. You can export your data at any time. How we handle personal information is described in the Privacy policy.

You confirm you have the right to enter your data, including information about other people (for example, your employees).

5. Acceptable use

You agree not to:

• use the service for illegal or fraudulent purposes, including presenting false financial statements;
• try to access other users' data or get around security;
• overload, disrupt or scrape the service by automated means without our agreement;
• resell or copy the service, or decompile it, except as the law allows.

6. Third-party integrations

Orbinance can connect to third-party services such as QuickBooks Online (Intuit), Xero, Stripe, Google, Microsoft or an AI assistant. Their use is also governed by those third parties' terms. The QuickBooks, Xero and Stripe connections are read-only and can be removed at any time, in Orbinance or in the service itself. We are not responsible for the availability or accuracy of data provided by those services; check imported amounts before relying on them.

7. Artificial intelligence

The built-in assistant and AI connectors can suggest or apply changes to your budgets when you ask. Their answers can contain mistakes; review the changes. Every change can be undone.

8. Subscriptions and payment

• Paid plans are billed in advance, monthly or yearly, through Stripe, and renew automatically until cancelled.
• Prices exclude applicable taxes (GST, QST), which are added.
• You can cancel at any time in Settings › Subscription; paid access continues until the end of the period already paid. Unless the law requires it, partial periods aren't refunded.
• We will tell you at least 30 days before any price increase, which applies at the next renewal.
• If a payment fails, access to paid features may be suspended; your data stays readable and can be exported.

9. Availability

We make reasonable efforts to keep the service available and to back up data, but interruptions can happen (maintenance, a provider outage). We recommend exporting important budgets regularly.

10. Intellectual property

Orbinance, its software, name and logo belong to us. These terms give you a personal, non-exclusive, non-transferable right to use it while your account is open.

11. Liability

The service is provided “as is”. To the extent the law allows, Orbinance is not liable for indirect losses (lost profits, financing or business opportunities) arising from use of the service or from decisions based on the projections, and its total liability is limited to the amounts you paid us in the 12 months before the event.

Nothing in these terms excludes liability that cannot be excluded by law, including under Québec's Consumer Protection Act if you use the service as a consumer, or liability for intentional or gross fault.

12. Ending the agreement

You can close your account at any time. We may suspend or close an account that breaches these terms, after notice where reasonable. On closure, you have 30 days to export your data, after which it is deleted as the Privacy policy describes.

13. Changes

We may change these terms. We will tell you about a significant change at least 30 days in advance, by email or in the app. If you don't accept it, you can close your account before it takes effect.

14. Governing law and language

These terms are governed by the laws of Québec and the federal laws of Canada that apply there. Any dispute falls under the courts of the judicial district of Québec, subject to the rights the law gives consumers.

These terms are written in French. An English translation is provided for information; if they differ, the French version prevails.

15. Contact us

John-Frederick Davidson, Québec, Canada · info@orbinance.com