Terms of Service

Last Updated: March 19, 2025

1Acceptance of Terms

Welcome to LynxLedger, an AI-driven financial management platform provided by Paymidori Pte. Ltd. (“Company”, “we”, “us”, or “our”). By accessing or using the Service, you (“User” or “you”) agree to be bound by these Terms of Service (“Terms”) and our Privacy Policy. If you do not agree to these Terms, please do not access or use our Service.

2Description of the Service

Description of the Service

LynxLedger provides a suite of features designed to assist with financial management, including but not limited to:

  • Financial Management & Accounting Operations: Tools to manage and streamline accounting processes.
  • Software Integrations: Seamless integration with accounting software such as Xero and MYOB.
  • Document Management: Secure storage and management of financial documents.
  • AI-Powered Chat Functionality: Access to AI-driven insights and support for financial queries.
  • Multi-Tenant Architecture: Ensuring data isolation and security across different organizations.

The Service is provided on an “as is” and “as available” basis, and we reserve the right to modify or discontinue any aspect of the Service at any time.

3User Eligibility and Account Management

User Eligibility and Account Management

Eligibility

Users must be capable of entering into a legally binding agreement. The registration process requires basic information (name, email, password) and acceptance of these Terms. The system does not enforce specific age or eligibility checks; however, you must ensure compliance with any applicable laws.

Account Creation and Security

Accounts are created through AWS Cognito with email verification. Our multi-tenant architecture and role-based permissions ensure that user data is properly isolated and secured. Users are responsible for maintaining the confidentiality of their account credentials and for all activities that occur under their account.

4Usage Guidelines and Restrictions

Usage Guidelines and Restrictions

Permitted Use

Users are granted a limited, non-exclusive, non-transferable license to access and use the Service for its intended purposes.

Prohibited Activities

Any activity that may compromise the security or integrity of the Service, such as unauthorized data extraction or attempts to breach our systems, is strictly prohibited. Users must comply with all applicable laws and refrain from any behavior that may harm the Service or other users.

Misuse and Enforcement

Although the codebase does not specify detailed enforcement mechanisms, we reserve the right to investigate and take action—including suspension or termination of accounts—if misuse is detected.

5Fees, Payments, and Refunds

Fees, Payments, and Refunds

Payment Models

Our pricing is detailed on the Pricing Page. Users may be subject to subscription fees or other payment models as outlined there. Payment processing is handled through third-party services, and all fees and billing terms are subject to change with prior notification.

Refunds and Billing Disputes

Our refund policy and procedures for billing disputes are not explicitly defined in the codebase. Any refund or dispute resolution process will be detailed in a separate policy and will be incorporated by reference into these Terms.

6Privacy, Data Security, and Compliance

Privacy, Data Security, and Compliance

Our Privacy Policy, which explains how we collect, use, store, and protect your data, is an integral part of these Terms. By using our Service, you agree to the practices described in our Privacy Policy.

Data Security

We employ secure data storage practices, including the use of AWS, to safeguard your information. While we strive to protect your data, we cannot guarantee absolute security.

Compliance

Our Service adheres to applicable financial regulations and industry standards. Users are expected to comply with all relevant laws and regulations when using the Service.

7Intellectual Property and User-Generated Content

Intellectual Property and User-Generated Content

Intellectual Property

All content, software, trademarks, and materials provided by us are the intellectual property of Paymidori Pte. Ltd. or our licensors. Nothing in these Terms grants you any rights to such intellectual property except as expressly stated.

User-Generated Content

Users may upload or generate content (e.g., financial documents, data) through the Service. Unless otherwise agreed, you retain ownership of your content while granting us a non-exclusive, worldwide, royalty-free license to use, display, and process your content solely for providing and improving the Service.

Additional licensing terms for user-generated content may be outlined in further policies.

8Disclaimers, Limitation of Liability, and Indemnification

Disclaimers, Limitation of Liability, and Indemnification

Disclaimers

The Service is provided “as is” and “as available” without warranties of any kind, either express or implied. We do not warrant that the Service will be uninterrupted, error-free, or completely secure.

Limitation of Liability

In no event shall Paymidori Pte. Ltd. be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Service. Our total liability, whether in contract, tort, or otherwise, shall not exceed the amount paid by you (if any) for accessing the Service in the three months preceding the claim.

Indemnification

You agree to indemnify and hold harmless Paymidori Pte. Ltd., its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, obligations, losses, liabilities, costs, or expenses arising from your use of the Service or violation of these Terms.

9Termination, Suspension, and Service Modifications

Termination, Suspension, and Service Modifications

Termination and Suspension

We reserve the right to suspend or terminate your access to the Service if you breach these Terms or engage in any prohibited behavior. Upon termination, your access to the Service will cease, and you may lose access to any stored data, subject to our data retention policies.

Service Modifications and TOS Updates

We may update these Terms and modify the Service from time to time. Any significant changes will be communicated via email or through the Service, and continued use of the Service after such updates will constitute your acceptance of the revised Terms.

10Governing Law and Dispute Resolution

Governing Law and Dispute Resolution

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions.

Dispute Resolution

Any disputes arising out of or relating to these Terms or the Service will be resolved through negotiation. If a resolution cannot be reached, disputes will be settled through arbitration in accordance with the rules of the Singapore International Arbitration Centre (SIAC).

11Miscellaneous

Miscellaneous

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

Entire Agreement

These Terms, along with our Privacy Policy and any other referenced documents, constitute the entire agreement between you and Paymidori Pte. Ltd. regarding the Service.

Contact Information

If you have any questions about these Terms, please contact us at: support@lynxledger.com.