Terms of Service

"Service" means the Owner CFO web application and API available at https://dashboard.ocfoapp.com and any related mobile applications.

"Company," "we," "us," or "our" means Owner CFO Ltd, a company registered in New Zealand [Company Number: pending registration].

"Customer," "you," or "your" means the individual or legal entity that has accepted these Terms and is accessing the Service.

"Customer Data" means all data you upload, import, or enter into the Service — including financial transactions, invoices, receipts, and business records.

"Subscription" means a paid plan (Starter, Growth, or Agency) giving access to additional features beyond the Free tier.

"Subprocessor" means a third-party service provider we use to deliver the Service.

You must be at least 18 years old and legally capable of entering into contracts to use the Service.

You are responsible for maintaining the security of your account credentials. We recommend enabling multi-factor authentication (TOTP), which is available in your account settings.

You are responsible for all activity that occurs under your account, whether authorised by you or not. Notify us immediately at support@centriweb.com if you suspect unauthorised access.

One account may represent one legal entity (e.g., a sole trader, partnership, or company). To manage multiple entities, use the multi-entity feature available on Growth and Agency plans.

You may not use the Service on behalf of a third party without their explicit written consent and only in accordance with applicable laws.

You agree to use the Service only for lawful business purposes and in compliance with all applicable laws in your jurisdiction.

You must not:

• Attempt to gain unauthorised access to any part of the Service or to other customers' data
• Use the Service to process data for any purpose that would violate the NZ Privacy Act 2020, AU Privacy Act 1988, or equivalent legislation
• Reverse-engineer, decompile, or disassemble any part of the Service
• Resell, sublicense, or otherwise commercialise the Service without our written permission
• Use automated scripts or bots to scrape or extract data beyond normal API usage
• Use the Service for tax evasion, money laundering, or any fraudulent purpose

We reserve the right to suspend or terminate accounts that violate these terms with or without notice, depending on severity.

Plans. The Service is offered on a Free tier and paid Subscription tiers. Current pricing is listed at https://dashboard.ocfoapp.com/pricing. All prices are exclusive of GST/VAT where applicable.

Billing cycle. Subscriptions are billed monthly in advance on the anniversary of your subscription date. Annual billing (with discount) may be offered at our discretion.

Payment. All payments are processed by Stripe (PCI DSS Level 1 certified). We do not store your card details. Supported currencies: NZD, AUD.

Free trial. New accounts receive a 14-day free trial of the Growth plan features. No credit card required. At the end of the trial, accounts revert to the Free tier unless a Subscription is started.

Cancellation. You may cancel your Subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period. There are no cancellation fees.

Refunds. We do not offer pro-rata refunds for partial billing periods. If you believe a charge is in error, contact us within 30 days.

Price changes. We will give 30 days' written notice of any Subscription price increase by email.

You own your data. All Customer Data you submit to the Service remains yours. We are the data processor; you are the data controller.

We do not sell your data to third parties. We do not use your Customer Data to train AI models. We use your data solely to provide and improve the Service.

Data portability. You may export your data at any time from Settings → Account → Export my data, which downloads a machine-readable JSON archive. We also provide an API endpoint at /api/account/data-export.

Licence grant. You grant us a limited, non-exclusive, royalty-free licence to store, process, and transmit your Customer Data solely for the purpose of providing the Service.

AI processing. When you use AI categorisation or receipt OCR features, your data is sent to our AI Subprocessors (OpenRouter, which routes to DeepSeek and Qwen models). This processing is covered by our Data Processing Addendum.

Uptime target. We target 99.5% monthly uptime for the Service, excluding planned maintenance. This is a target, not a contractual SLA for Free or Starter tier customers. Enterprise-grade SLAs are available on request.

Maintenance. We will endeavour to schedule maintenance outside of NZ/AU business hours and will provide advance notice for maintenance exceeding 30 minutes.

No warranty. The Service is provided "as is." We disclaim all warranties to the fullest extent permitted by law, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We rely on Supabase (database and auth), Vercel (hosting), and Stripe (payments). Outages in these upstream providers may affect the Service.

To the maximum extent permitted by New Zealand law, our total liability to you for any claims arising from these Terms or your use of the Service shall not exceed the greater of: (a) the fees you paid us in the 12 months preceding the claim, or (b) NZD $100.

We are not liable for indirect, incidental, special, consequential, or punitive damages — including lost profits, lost revenue, or lost data — even if we have been advised of the possibility of such damages.

Tax advice disclaimer. Owner CFO provides financial data organisation and reporting tools. Nothing in the Service constitutes legal, accounting, or tax advice. You should consult a qualified professional for advice specific to your situation. Decisions made based on data in the Service are entirely your responsibility.

Nothing in these Terms limits liability for fraud, wilful misconduct, or as otherwise required by law.

By you. You may terminate your account at any time from Settings → Account → Delete my account. Deletion is subject to a 30-day grace period during which your data remains accessible and the deletion can be cancelled.

By us. We may suspend or terminate your account immediately for material breach of these Terms (e.g., fraud, illegal activity, or sustained abuse of the Service). We may terminate your account for any other reason with 30 days' written notice.

Effect of termination. Upon termination, your right to use the Service ceases. We will retain your Customer Data for 30 days after termination to allow for data export, then delete it — subject to any legal obligations requiring longer retention (e.g., NZ tax record requirements of 7 years).

These Terms are governed by the laws of New Zealand. You agree to submit to the exclusive jurisdiction of the New Zealand courts for any disputes arising from these Terms or your use of the Service.

For Australian customers, nothing in these Terms is intended to exclude, restrict, or modify rights under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010).

We may update these Terms from time to time. We will notify you by email and display a prominent notice in the application at least 14 days before material changes take effect.

Your continued use of the Service after the effective date of updated Terms constitutes acceptance. If you disagree with changes, you may cancel your account before they take effect.

For questions about these Terms, contact us at support@centriweb.com.