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Terms of Service

Last updated: March 14, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Emori Inc. ("Emori", "we", "us") governing your access to and use of the Emori platform, including the website at emori.ai and all associated services (collectively, the "Service").

By creating an account, accessing, or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

You must be at least 18 years of age and have the legal authority to enter into contracts on behalf of your business to use Emori. By using the Service, you represent and warrant that you meet these requirements.

2. Description of Service

Emori is an AI-powered bookkeeping and financial intelligence platform designed for small business owners. The Service includes:

  • Automated transaction categorization — AI-driven categorization of bank and credit card transactions
  • Continuous reconciliation — Automated matching of transactions to keep your books balanced
  • Weekly Brief — A weekly plain-English summary of your financial performance
  • Financial Copilot — A conversational AI interface to query your financial data
  • Financial Signals — Proactive alerts when anomalies or issues are detected in your finances
  • Integrations — Connections to QuickBooks, Jobber, and other business tools

What Emori does NOT provide:

  • Tax advice, tax preparation, or tax filing services
  • Legal advice of any kind
  • Investment advice or financial planning
  • Audit services or assurance engagements
  • Licensed accounting or CPA services

3. Account Registration

To use Emori, you must create an account by providing accurate and complete information. You agree to:

  • Provide accurate, current, and complete information during registration and keep it updated
  • Maintain the confidentiality of your account credentials and not share your password with others
  • Notify us immediately at hello@emori.ai if you suspect unauthorized access to your account
  • Be responsible for all activity that occurs under your account

Each subscription covers one business entity. If you operate multiple businesses and wish to use Emori for each, a separate subscription is required per business.

4. Subscription and Payment

After your free trial period, Emori is offered on a monthly subscription basis at $397 per month (CAD), plus applicable taxes.

  • Billing cycle — Subscription fees are billed automatically on a monthly basis on the same date each month
  • Payment methods — We accept major credit and debit cards. Payment is processed by Stripe.
  • Failed payments — If a payment fails, we will attempt to retry the charge. If payment cannot be collected after reasonable attempts, your account may be suspended until payment is resolved.
  • Taxes — Prices are exclusive of applicable taxes (GST/HST). Applicable taxes will be added based on your location.
  • Price changes — We will provide at least 30 days' notice before changing subscription pricing. Your continued use after the notice period constitutes acceptance of the new price.

5. Free Trial

Emori offers a 7-day free trial for new accounts. During the trial:

  • No credit card is required to start your trial
  • You have full access to all Emori features
  • At the end of the 7-day trial, you will be asked to provide payment information to continue
  • If you do not provide payment details, your account will be automatically downgraded and access to your financial data will be restricted
  • Your data will be retained for 30 days after trial expiry, giving you time to export or restart

We reserve the right to modify or discontinue free trial offers at any time. Only one free trial is permitted per business entity.

6. Cancellation and Refunds

You may cancel your Emori subscription at any time from your account settings under Settings → Billing.

  • Access after cancellation — You will retain access to Emori through the end of your current billing period
  • No partial refunds — We do not issue refunds for partial months or unused portions of a billing period
  • Data export — Before your account is deleted, you can export your transaction data and reports from the Settings menu
  • Account deletion — If you request account deletion, your data will be removed from our active systems within 30 days, subject to legal retention requirements
  • Exceptional circumstances — Refund requests for exceptional circumstances (e.g. duplicate charges, significant service outages) will be reviewed on a case-by-case basis. Contact hello@emori.ai.

7. Acceptable Use

You agree to use Emori only for lawful business purposes. You may not:

  • Use the Service to process or conceal proceeds of crime, money laundering, or fraud
  • Provide false financial information or misrepresent your business to manipulate Emori's outputs
  • Attempt to reverse-engineer, scrape, or copy the Service, its algorithms, or AI models
  • Use the Service in any way that could damage, disable, or impair our infrastructure
  • Share your account with unauthorized parties or resell access to the Service
  • Use the Service to violate any applicable law, including privacy law, financial regulations, or tax law
  • Attempt to gain unauthorized access to other users' accounts or data

We reserve the right to suspend or terminate accounts found to be in violation of this section without notice.

8. Financial Data and Accuracy

Important: Emori is a bookkeeping tool, not a licensed accounting or tax service. While our AI strives for accuracy, errors in transaction categorization can occur. Always verify important financial decisions with a qualified accountant, CPA, or financial advisor. Emori is not liable for decisions made based on AI-generated financial analysis.

Emori uses artificial intelligence to categorize transactions, generate financial summaries, and identify financial signals. By using the Service, you acknowledge:

  • AI limitations — AI categorization is not perfect. Some transactions may be miscategorized or require manual correction. You are responsible for reviewing and verifying your financial data.
  • Not a substitute for professional advice — The information provided by Emori, including the Weekly Brief, Financial Copilot responses, and financial signals, does not constitute accounting, tax, legal, or investment advice.
  • Your responsibility — You remain responsible for the accuracy of your financial records, tax filings, and all financial decisions made by your business. Emori is a tool to assist you, not replace your professional obligations.
  • Data accuracy — The quality of Emori's outputs depends on the accuracy and completeness of the data received from your connected financial accounts. We are not responsible for errors caused by incomplete or incorrect data from your bank or other connected services.

9. Intellectual Property

Emori's IP: The Emori platform, including its software, algorithms, AI models, design, trademarks, and content (excluding your financial data), is the exclusive property of Emori Inc. and is protected by Canadian and international intellectual property law. You may not copy, modify, or distribute any part of the Service without our express written consent.

Your data: You own your financial data. We do not claim ownership of your transaction records, business information, or any other data you provide to or generate through Emori.

License you grant us: By connecting your accounts and using Emori, you grant us a limited, non-exclusive, worldwide license to access, process, and analyze your financial data solely for the purpose of providing and improving the Service to you. This license terminates when you delete your account and your data is removed from our systems.

10. Privacy

Your use of Emori is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By agreeing to these Terms, you also agree to the practices described in our Privacy Policy.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Emori Inc., its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, or business interruption, arising from your use of or inability to use the Service.

In no event shall Emori's total cumulative liability to you for any claims arising out of or related to these Terms or the Service exceed the greater of (a) the total fees paid by you to Emori in the three months preceding the claim, or (b) CAD $100.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for certain types of damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

12. Indemnification

You agree to indemnify, defend, and hold harmless Emori Inc. and its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to: (a) your violation of these Terms; (b) your use of the Service in violation of applicable law; (c) your financial data or any information you provide to Emori; or (d) your infringement of any third-party rights.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Any dispute arising out of or relating to these Terms or the Service shall first be attempted to be resolved through good-faith negotiation. If the dispute cannot be resolved informally within 30 days, either party may pursue resolution through the courts of the Province of Ontario, and you consent to the exclusive jurisdiction of such courts.

14. Changes to Terms

We may modify these Terms at any time. For material changes, we will provide at least 30 days' advance notice by:

  • Emailing the address associated with your account
  • Displaying a prominent notice within the Emori app
  • Updating the "Last updated" date on this page

Your continued use of Emori after the effective date of any changes constitutes your acceptance of the updated Terms. If you do not agree with the updated Terms, you must cancel your subscription before the changes take effect.

15. Contact

For questions about these Terms, contact us at:

  • Email: hello@emori.ai
  • Company: Emori Inc.
  • Location: Canada