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Terms of Service

Last updated: 19 September 2026

Emori Intelligence Ltd.
Effective date: 19 September 2026

1. The agreement

These terms are a contract between you and Emori Intelligence Ltd. ("Emori", "we"), a company registered in Ireland under number 814805, with its registered office at The Black Church, St. Mary's Place, Dublin 7, D07 P4AX, Ireland. They apply when you use emori.ai, meetemori.com, or any part of the Emori service.

If you are agreeing on behalf of a company, you confirm you have authority to bind it, and "you" means that company.

If you do not agree, do not use the service.

2. What Emori is — and what it is not

Emori connects to your accounting software and your email, reads your financial records, categorizes your transactions, extracts your receipts, and writes those categorizations back to your books. It sends you alerts and a weekly summary.

Emori is software. It is not an accountant. Specifically:

  • Emori does not provide accounting, tax, legal or financial advice. Its categorizations, scores, estimates and summaries are automated suggestions produced from the data available to it.
  • Emori does not file anything. It does not file your GST/HST or VAT return, your corporation tax return, a T5018 or anything else. Tax figures it shows are estimates to help you plan, not a return.
  • Emori is not a substitute for your accountant. You should keep one.
  • You remain responsible for your books and your filings. Your tax authority holds you responsible for the accuracy of your records, and nothing in this service transfers that to us.

3. Eligibility

You must be at least 18, operating a real business, and legally able to enter a contract.

4. Your account

Keep your password secret and your contact details current. You are responsible for everything done through your account. Tell us promptly at hello@emori.ai if you think someone else has access.

You may invite team members or your accountant. You are responsible for what they do in your account, and for having the right to give them access to the records they will see.

5. Connecting your accounts

To work, Emori needs you to connect accounts — QuickBooks Online, Gmail, Google Drive, a bank, WhatsApp. Each connection is separate and each is revocable.

By connecting an account you confirm that:

  • You are authorized to connect it and to let us access what is in it.
  • Where the records include other people's personal data — your customers, suppliers or staff — you are the controller of that data and we are your processor. You confirm you have a lawful basis for us to process it on your behalf, and you instruct us to do so for the purposes described in our Privacy Policy.

You can disconnect any account at any time. Disconnecting stops future reading immediately. It does not delete what we have already processed — see section 11.

6. Emori writes to your QuickBooks

This is the part to read twice.

When you connect QuickBooks and leave writeback enabled, Emori changes records in your accounting file. It can:

  • set or change the category on a transaction;
  • attach a receipt to a transaction;
  • create a bill — but only if you separately switch bill creation on, and only after you approve each one.

Three commitments about that:

  1. You can switch writeback off at any time, in settings. It stops for every feature at once, immediately.
  2. Bill creation is off by default. It stays off until you deliberately turn it on.
  3. Your corrections win. If you change a category, Emori does not change it back.

Three things you should understand:

  1. Automated categorization can be wrong. Emori records its confidence and asks you when it is unsure, but it will sometimes be confidently wrong. Review your books.
  2. Some changes cannot be undone by us. A bill created in QuickBooks is a record in your accounting file. Emori cannot delete it — you would delete it in QuickBooks yourself. We tell you what was created so you can.
  3. Check before you file. Review the period with your accountant before relying on it for a return.

You are responsible for reviewing what Emori writes. Subject to section 14, we are not liable for the consequences of an automated categorization you did not review — including reassessment, penalties or interest.

7. Plans, trials and payment

  • Plans, prices and what each includes are shown at signup and may change on notice.
  • Prices are in the currency shown and exclude applicable taxes, including VAT or GST/HST where it applies.
  • One-time services, such as a historical clean-up, are charged once and are not a subscription.
  • Payment is processed by Stripe, under Stripe's own terms.

Free trial. The trial requires no credit card. When it ends, nothing is charged and your account pauses — we do not have a card to charge. To continue, you add a payment method and choose a plan. Your data stays put while the account is paused.

Paid plans. A payment method is required for any paid plan, and for a one-time service. Once you are on a paid plan, subscriptions renew automatically for the same period until you cancel.

Failed payment. If a charge fails we may retry, and may suspend the service until it succeeds. Your data is not deleted during a suspension.

8. Founding Customer terms

Founding Customer pricing is offered to the first 100 subscribers and closes permanently once that number is reached.

If you are a Founding Customer:

  • Your rate is locked for 24 months from your first payment. We will not raise it during that period, whatever happens to Standard pricing.
  • After 24 months your subscription renews at 15% below the then-current Standard rate, and continues to do so for as long as it remains active and uninterrupted.
  • The discount attaches to the subscription, not to you. If you cancel and later return, you return on Standard pricing — the Founding rate cannot be reinstated.
  • Add-ons and one-time services are priced separately and are not covered by the lock or the discount.

These terms survive changes to our general pricing. If we change the Standard rate, your 15% is calculated against the new rate rather than the old one.

9. Cancelling and refunds

Cancel at any time in your billing settings. Cancellation takes effect at the end of the period you have paid for, and you keep access until then.

We do not give partial refunds for an unused part of a period, except where consumer protection law requires it.

For a one-time service, if we have not yet started the work we refund it in full. Once the work has started we refund a fair proportion of what is left.

If you are a consumer in the EU, you have a statutory 14-day right of withdrawal. Where you ask us to begin immediately and we do, you may be charged for what was supplied before you withdrew.

10. What you must not do

Do not:

  • use Emori for a business you do not own or are not authorized to act for;
  • connect accounts you have no right to connect;
  • use it to launder money, conceal income or produce records you know to be false;
  • try to break, overload, reverse engineer or circumvent limits on the service;
  • resell or white-label it without our written agreement;
  • upload malware, or anything unlawful.

We may suspend or close an account that does any of this, and we will tell you why unless the law prevents us.

11. Your data

Your business records are yours. Connecting an account does not give us ownership of anything in it.

You grant us a licence to process your data only so far as is necessary to run the service for you. That licence ends when you close your account.

Getting your data out. Ask us at hello@emori.ai and we will send you your data in a structured, machine-readable format. On closure we delete your personal data within 30 days, apart from what we must keep by law. Data already written into your QuickBooks remains in your QuickBooks.

What we may use in aggregate. We may use de-identified, aggregated statistics to improve the service. Aggregated data identifies neither you nor your business, and we do not use your financial records to train AI models.

Data protection. Where we process personal data you provide about other people, we act as your processor and you as controller. Our Privacy Policy forms part of these terms and sets out the Art. 28 GDPR terms governing that processing.

12. Availability

We aim to keep Emori running and available, but we do not promise it will be uninterrupted or error-free. We depend on services we do not control — QuickBooks, Google, your bank, the phone network — and an outage at any of them can stop parts of Emori working.

We may change, add or remove features. If we remove something you rely on, we will give you reasonable notice.

13. Warranties

The service is provided "as is" and "as available". To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that categorizations, tax estimates, scores or forecasts are accurate, complete or suitable for your circumstances.

If you are a consumer, nothing here removes rights you have under consumer protection law that cannot be excluded by contract.

14. Limitation of liability

To the fullest extent the law allows:

  • We are not liable for indirect or consequential loss, including lost profit, lost revenue, lost data, or the cost of substitute services.
  • We are not liable for tax reassessments, penalties or interest arising from your books, your filings, or an automated categorization you did not review.
  • Our total liability for any claim relating to the service is limited to the greater of the amount you paid us in the twelve months before the claim, or EUR €100.

Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be excluded.

15. Indemnity

You will indemnify us against claims, losses and reasonable legal costs arising from your use of the service, your breach of these terms, or your lack of authority or lawful basis to connect an account or to have us process someone else's personal data.

16. Changes to these terms

We may update these terms. If a change materially affects your rights we will give you at least 30 days' notice by email or in the product. Continuing to use Emori after a change takes effect means you accept it. If you do not, cancel before then.

17. Suspension and termination

You may close your account at any time.

We may suspend or close your account if you break these terms, if your payment fails and stays unpaid, if we must for legal reasons, or if we discontinue the service. Except where you have broken these terms or the law requires immediate action, we will give you reasonable notice and an opportunity to export your data.

Sections 11, 13, 14, 15 and 18 survive termination.

18. Governing law and disputes

These terms are governed by the laws of Ireland, and the courts of Ireland have exclusive jurisdiction.

If you are a consumer, this does not deprive you of the protection of mandatory consumer law in the country where you live, and you may bring proceedings in your own courts. EU consumers may also use the European Commission's Online Dispute Resolution platform.

Before starting a formal dispute, write to hello@emori.ai. We will try in good faith to resolve it within 30 days.

19. General

  • Entire agreement. These terms and the Privacy Policy are the whole agreement between us about the service.
  • Severability. If a provision is unenforceable, the rest stands.
  • No waiver. Not enforcing something once does not waive it.
  • Assignment. You may not assign these terms without our consent. We may assign them to a successor in a sale or reorganization.
  • Force majeure. Neither of us is liable for a failure caused by something outside our reasonable control.

20. Contact

Emori Intelligence Ltd. — Company No. 814805
The Black Church, St. Mary's Place, Dublin 7, D07 P4AX, Ireland
hello@emori.ai