Terms of Service

These Terms of Service (“Terms”) are an agreement between you and Deductiv (“Deductiv,” “we,” “us”) governing your access to and use of the Deductiv web application, mobile applications, and related services (collectively, the “Service”).

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

You may use the Service only if you:

• Are at least 18 years old;
• Have the legal capacity to enter into a binding contract under U.S. law;
• Are a U.S.-based self-employed individual, freelancer, contractor, or small business owner using the Service for business expense tracking and tax preparation purposes; and
• Are not barred from using the Service under any applicable law.

You are responsible for safeguarding your account credentials and for all activity that occurs under your account. Notify us immediately at security@deductiv.io of any unauthorized use. We are not liable for any loss arising from your failure to keep your credentials secure.

You must provide accurate, current, and complete information when you create your account and keep it up to date. Accounts are personal — you may not share, sell, transfer, or sub-license your account.

Deductiv helps you identify potentially deductible business expenses from your connected email and bank data, organize them by Schedule C category, track 1099 income, and prepare summaries for your accountant. Categorization is assisted by artificial intelligence (Anthropic Claude).

Deductiv is not a tax preparer, accountant, financial advisor, attorney, or fiduciary. Deductiv does not file tax returns on your behalf, does not provide tax advice, and is not a substitute for the judgment of a licensed tax professional. Categorizations, deductible percentages, and any strategy suggestions in the Service are informational only and may be incorrect or out of date. You are solely responsible for the accuracy of your tax filings and for consulting a qualified professional before relying on any output from the Service.

The Service relies on third-party providers — including Google (Gmail API), Plaid (financial data), Stripe (payments), Apple (in-app purchases), Anthropic (AI), Supabase, and Vercel — to function. By using the Service, you also agree to the applicable terms of those providers, and you authorize Deductiv to request, receive, and process information from them on your behalf within the scopes you grant during connection (e.g., Gmail read/send, Plaid transaction history).

You may disconnect any third-party provider at any time from the Service’s settings or from the provider’s own management page (e.g., Google account permissions, your bank’s connected-apps panel). Disconnection immediately revokes Deductiv’s ongoing access; we cannot retrieve new data from that provider until you reconnect.

6.1 Free trial

New accounts receive a 7-day free trial of the Service. You may cancel any time during the trial at no charge from Settings → Subscription. If you do not cancel before the trial ends, your payment method will be charged the then-current subscription fee and your subscription will begin.

6.2 Pricing

The current price of the subscription is displayed at the time of signup. We may change pricing for future billing periods; any change will be communicated by email at least 30 days before it takes effect, and will not apply to the period you have already paid for.

6.3 Auto-renewal

Subscriptions renew automatically at the end of each billing period (annual unless otherwise stated). You can cancel auto-renew at any time from Settings → Subscription (web) or in your Apple ID subscription settings (iOS). Cancellation takes effect at the end of the then-current billing period — the Service remains available until that date.

6.4 Web payments (Stripe)

Web subscriptions are processed by Stripe. By providing a payment method, you authorize Stripe and Deductiv to charge it for the then-current subscription fee plus any applicable taxes.

6.5 In-app purchases (Apple)

Mobile subscriptions on iOS are processed by Apple under Apple Media Services Terms and Conditions. Apple handles all cancellation, refund, and billing inquiries for in-app purchases. To cancel an Apple subscription, use Settings → Apple ID → Subscriptions on your device.

6.6 Refunds

Subscription fees are non-refundable except where required by law. For Stripe-billed subscriptions, refund requests may be sent to billing@deductiv.io and will be reviewed case by case. For Apple subscriptions, refund requests must be submitted to Apple at reportaproblem.apple.com.

You agree not to:

• Use the Service to process data of any person other than yourself or your own business;
• Submit fraudulent, materially incorrect, or knowingly inflated expense data through the Service;
• Reverse engineer, decompile, scrape at scale, or attempt to extract the source code or model weights of any AI features;
• Interfere with, probe, or otherwise compromise the security or integrity of the Service, our sub-processors, or our other users;
• Use the Service to send unsolicited bulk email, harass others, or violate any applicable law;
• Resell, sub-license, or otherwise commercially exploit the Service without our written consent.

You retain all rights to data you provide or that we receive on your behalf from connected providers (your “Content”). You grant Deductiv a limited, non-exclusive, worldwide license to host, process, transmit, and display your Content solely as necessary to operate the Service for you.

We do not sell your Content. We do not use your Content to train AI models. We share your Content only with the sub-processors listed in our Privacy Policy, and only as needed to deliver the Service.

The Service — including all software, user interfaces, designs, logos, copy, and underlying technology — is owned by Deductiv and its licensors and is protected by intellectual property laws. We grant you a limited, non-transferable, revocable license to access and use the Service for your own internal business purposes, subject to these Terms. All rights not expressly granted are reserved.

Some outputs of the Service — including expense categorizations, chat responses, and strategy suggestions — are generated by an AI model (Anthropic Claude). AI outputs may be inaccurate, incomplete, or out of date. You are responsible for reviewing every AI-generated suggestion before relying on it, and for consulting a qualified tax professional before using AI outputs in any tax filing.

You may terminate your account at any time from Settings, which initiates the deletion process described in our Privacy Policy and Data Retention Policy.

We may suspend or terminate your access at any time, with or without notice, if we reasonably believe you have violated these Terms, are abusing the Service, or pose a security risk. Where feasible, we will provide notice and an opportunity to cure first.

The Service is provided “as is” and “as available,” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or availability.

Without limiting the foregoing, Deductiv does not warrant that the Service will be uninterrupted, error-free, or that any output is accurate, complete, or current. You acknowledge that tax law is complex and constantly evolving and that no software — including this one — can substitute for the judgment of a licensed professional.

To the maximum extent permitted by law, Deductiv and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages — including loss of profits, revenue, goodwill, or data — arising out of or related to your use of the Service, even if advised of the possibility. Deductiv’s aggregate liability for all claims arising out of or related to the Service shall not exceed the greater of (a) the amount you paid Deductiv in the twelve months immediately preceding the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).

You agree to indemnify and hold harmless Deductiv from any claim, loss, liability, demand, or expense (including reasonable attorneys’ fees) arising out of your Content, your use or misuse of the Service, your violation of these Terms, or your violation of any third-party right.

These Terms are governed by the laws of the State of Texas, USA, without regard to its conflict-of-laws rules. The parties agree that any dispute arising from these Terms or the Service will be resolved exclusively in the state or federal courts located in Travis County, Texas, and each party consents to personal jurisdiction there.

Each party waives the right to a trial by jury and the right to participate in any class action arising from these Terms.

We may update these Terms from time to time. If we make material changes, we will notify you by email or in-app notice at least 30 days before they take effect. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

• Entire agreement: These Terms and the Privacy Policy are the entire agreement between you and Deductiv regarding the Service.
• Severability: If any provision is held unenforceable, the remainder remains in full force.
• No waiver: Our failure to enforce any right is not a waiver of it.
• Assignment: You may not assign these Terms without our written consent; we may assign them in connection with a merger, acquisition, or sale of assets.
• Force majeure: Neither party is liable for delays caused by events beyond reasonable control.

Questions about these Terms? hello@deductiv.io.