Terms of Service

These Terms of Service (“Terms”) govern your access to and use of Claremo (the “Service”), operated by Claremo (“Claremo,” “we,” “us,” or “our”). By creating an account or using the Service, you agree to these Terms. If you are using Claremo on behalf of a company, you represent that you have the authority to bind that company to these Terms.

1. Description of the Service

Claremo is an AI-native financial dashboard and reporting tool for SaaS and ecommerce businesses. It connects to your financial accounts — including Stripe, bank accounts via Plaid, QuickBooks, Shopify, and ad platforms — to provide unified revenue, profit, cash flow, and reconciliation reporting, along with AI-generated insights.

Claremo is not a licensed accounting firm, tax preparer, law firm, financial advisor, or investment advisor. Nothing in the Service constitutes accounting, tax, legal, or investment advice.

2. Not Professional Advice — Important Disclaimer

All tax estimates, financial recommendations, anomaly alerts, forecasts, and AI-generated insights (“Outputs”) provided by Claremo are for informational purposes only. Outputs are generated using automated processes, including AI models, and may contain errors, omissions, or inaccuracies.

You must independently verify all Outputs with a licensed CPA, accountant, tax advisor, or attorney before making financial, tax, legal, or business decisions based on them. Claremo is not liable for any decisions, actions, losses, or damages resulting from reliance on Outputs.

Money movement is out of scope for Claremo. The Service is tracking and reporting only — it does not pay bills, move funds, or execute financial transactions on your behalf.

3. Eligibility and Account Registration

• You must be at least 18 years old to use the Service.
• You are responsible for providing accurate account information and for keeping your login credentials secure.
• You must notify us promptly at support@claremo.com if you suspect unauthorized access to your account.

4. Acceptable Use

You agree not to:

• Reverse engineer, decompile, or attempt to extract the source code of the Service
• Use the Service to build a competing product
• Abuse, overload, or attempt to circumvent rate limits on the Service’s API or AI features
• Use the Service for any unlawful purpose, or to process data you do not have the right to process
• Attempt to gain unauthorized access to another organization’s data
• Resell or sublicense the Service without our prior written consent

We may suspend or terminate accounts that violate this section.

5. Subscriptions, Billing, and Trial

• Claremo offers several subscription tiers (currently Basic, Starter, Growth, and Pro), each with different features and pricing shown at checkout. We may change pricing or plan features with reasonable notice.
• New accounts receive a 7-day free trial with full feature access. If you do not subscribe to a paid plan before the trial ends, your account moves to a read-only state until you subscribe.
• Billing is monthly, in advance, via Stripe. By subscribing, you authorize us to charge your payment method each billing cycle until you cancel.
• You may cancel at any time from Dashboard → Billing (Stripe’s billing portal). Cancellation takes effect at the end of your current billing period, and you retain access until then.
• Refunds: we do not provide refunds or credits for partial billing periods, including cancellations mid-cycle or unused time in a period you were already charged for. If you believe you were charged in error, contact support@claremo.com and we will review it in good faith.

6. Data Ownership

You own your financial data. We do not claim ownership over any data you connect, upload, or generate using the Service. You grant Claremo a limited license to access, process, and store your data solely to provide and improve the Service, as described in our Privacy Policy. Upon termination of your account, we delete your data in accordance with the retention practices described there.

7. Third-Party Connections

Claremo integrates with third-party providers — including Stripe, Plaid, QuickBooks/Intuit, Shopify, Meta, and Google — via their APIs. Your use of these integrations is also subject to each provider’s own terms of service and privacy policy. We are not responsible for the availability, accuracy, or practices of third-party providers, or for changes they make to their APIs that affect the Service.

8. AI-Generated Content

Claremo uses AI, including Anthropic’s Claude models, to generate briefings, chat responses, categorizations, and document extractions. AI-generated content is provided “as is” without warranty of accuracy or completeness — see Section 2 for our full disclaimer on relying on AI Outputs. AI-suggested actions require your explicit review and approval before they take effect; Claude does not write directly to your data.

9. Intellectual Property

Claremo and its original content, features, and functionality (excluding your data) are owned by Claremo and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, or create derivative works of the Service without our written permission.

10. Termination

You may terminate your account at any time by cancelling your subscription and requesting account deletion at support@claremo.com. We may suspend or terminate your account if you violate these Terms, fail to pay applicable fees, or as required by law. Upon termination, your access to the Service ends immediately, and we will delete your organization’s data within 30 days, except where we are required to retain certain records (for example, billing records) for legal or tax purposes.

11. Disclaimer of Warranties

The Service is provided “as is” and “as available” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Service will be uninterrupted or error-free, or that AI Outputs will be accurate.

12. Limitation of Liability

To the maximum extent permitted by law, Claremo and its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunity, arising from your use of the Service. Our total liability for any claim arising from these Terms or the Service will not exceed the amount you paid us in the 12 months preceding the claim.

13. Indemnification

You agree to indemnify and hold Claremo harmless from any claims, damages, or expenses (including reasonable attorneys’ fees) arising from your use of the Service, your violation of these Terms, or your violation of any third party’s rights.

14. Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws principles. Any disputes arising from these Terms or the Service will be resolved exclusively in the state or federal courts located in California, and you consent to the personal jurisdiction of those courts.

15. Changes to These Terms

We may update these Terms from time to time. We will update the “Last updated” date above and, for material changes, notify you by email or an in-app notice at least 14 days before the changes take effect. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

16. Contact

Questions about these Terms? Email us at support@claremo.com.