These terms govern access to Paffle’s website and financial operations software. They explain what we provide, what you are responsible for, and the conditions that apply to accounts, subscriptions and enabled payment features.
The agreement
These terms are between Paffle Pay Inc., an Ontario company with its registered office at 2967 Dundas Street W., Unit 1035, Toronto, Ontario M6P 1Z2, Canada (“Paffle”, “we”, “us”), and you. For business services, “you” means the business opening the account. Website and portal visitors must comply with the provisions relevant to their use.
By accepting these terms when creating or using an account, you agree to them. If you act for a business, you confirm that you are authorised to bind it. If you do not agree, do not open an account or use the services.
Our Acceptable Use Policy forms part of these terms. Our Privacy Policy and Cookies Policy explain how information and browser technologies are used. Accepting these terms does not itself give consent to optional marketing or tracking.
A separate agreement signed with us, or additional terms expressly accepted for a particular feature, may also apply. If they conflict with these terms, the specific agreement governs its subject matter. Investor confidentiality agreements and affiliate programme terms govern those programmes; ordinary account registration is not an investment agreement.
Eligibility and access
Account users must be at least 18 and legally able to enter the agreement. You must provide accurate information, keep it current and have authority to use the business’s name, documents and payment details.
A country, currency, payment route or feature shown on our website may not be available to every business. Availability depends on the product, plan, jurisdiction, verification, partner requirements and legal restrictions. Do not use Paffle where doing so would be unlawful.
What Paffle provides
Paffle helps businesses manage invoices and related documents, contacts, products and stock, bills, purchase orders, payments, approvals, allocations, budgets, forecasts, projects, timesheets, reimbursements and reports. Features vary by plan and release.
Where electronic tax filing is implemented and available to your business, Paffle can transmit documents through the relevant provider and report the response. We do not guarantee that an authority will accept a document or that a submission will satisfy every obligation your business has.
Paffle is not a bank, accountant, tax adviser, lawyer or investment adviser. Reports, calculations, AI responses and document drafts help you work with your records; they do not replace professional advice. You remain responsible for reviewing your records, approvals, tax treatment and filings.
Accounts and authorisation
Keep passwords, recovery codes, API keys and other credentials secure. Use separate accounts for people working in your business, configure their roles and allocation access appropriately, and remove access when it is no longer needed.
You are responsible for the people you authorise and the instructions they are permitted to give on your behalf. Set up roles and approvals carefully. Approval requirements depend on the action, your plan, configured rules and the service’s mandatory controls. Clearing an approval rule does not necessarily remove the approval requirement.
Tell support@paffle.com promptly if an account, credential or payment instruction appears compromised or incorrect. We may investigate, request verification and restrict affected access. These terms do not determine that every action using a credential was authorised, or remove rights that applicable law gives you for unauthorised activity.
Your records and documents
You retain your rights in the records and content you provide. You give us the limited permission needed to host, process, display, back up and transmit them to provide the services and carry out lawful instructions. Personal information remains subject to applicable privacy law.
You must have the authority and lawful basis to enter other people’s information, upload documents and send communications. Documents issued through Paffle are your business’s documents. You are responsible for their content, recipients and accuracy.
Review drafts before issuing or approving them. A filed tax document may not be editable or cancellable. A credit note, debit note or other correction may be required, and it can have its own approval and filing requirements.
Mandatory document fields take precedence over branding preferences. Keep copies of records you need for your own compliance and continuity. Available export features help you retrieve records; they do not transfer your record keeping duties to Paffle.
Owners and admins can retrieve the business archive through Data export. Other exports depend on the reader’s permissions and available features. Exports exclude credentials, private personal workspaces and certain records held by Paffle for its own legal or operational purposes. The archive explains its exclusions
Payment and stablecoin features
Payment, conversion, wallet, collection and payout features apply only where enabled for your business. Verification may be required, and additional service or partner terms may apply. A feature described in these terms is not a promise that it is currently available.
How a payment is collected, held and settled depends on the service and partner arrangement. Some services use accounts or wallets provided for a business; other services may use a pooled arrangement operated on customers’ behalf where that arrangement has been enabled lawfully. Do not assume that every displayed balance is a bank deposit or that an account is held in your name. The applicable service information and additional terms govern the arrangement.
You may send to a permitted third-party recipient, or to an account your business owns, where the service supports it. You must be authorised to give the instruction and provide accurate beneficiary details. Selecting a third-party recipient does not make its bank account your business’s account.
Before confirming, check the amount, currency or asset, recipient, bank or wallet details, network, quoted rate and charges. An estimate can change before a quote is confirmed. Exchange rates you save for budgeting or reporting are valuation inputs and are not an offer to convert or settle money at that rate.
A stablecoin such as USDC or EURC is a digital asset, not an ordinary bank deposit. It is not protected by ordinary government deposit insurance. Its value and availability depend on its issuer, reserves, redemption arrangements, network and other risks. It can lose value or become difficult to transfer or redeem.
Transfers can be delayed, refused or returned because of verification, sanctions screening, limits, bank or network conditions, or legal requirements. We may be unable to disclose every reason. We do not promise instant settlement. A submitted transfer may be irreversible, especially on a blockchain; contact us immediately about an error, but do not assume it can be recovered.
A restriction or investigation is not a transfer of ownership of your funds to Paffle. Any holding, release or return of funds remains subject to the applicable service terms and law.
Paffle Pay Inc. is registered as a money services business with FINTRAC under registration number N300001299. FINTRAC registration is not a licence, endorsement or approval of our products. It does not establish that every service is available or permitted in every country.
Plans and fees
The plan and checkout show the subscription price, billing currency, period, applicable taxes and included features. Paid subscriptions are billed in advance monthly or annually, as selected. Prices may be set separately for each currency rather than converted from a single price.
A paid plan starts when its first payment is confirmed. If that payment fails, the checkout ends and you remain on your existing plan. Moving from an existing paid plan to a higher plan takes effect immediately, with the new price applying at the next renewal. A downgrade takes effect at the end of the period already paid for.
Seats, invoice packs and other plan limits are shown in the product. Extra seats and invoice packs are billed using the highest quantity held during the billing period. When a downgrade removes a feature, existing work can be completed where the product permits, but new work requiring that feature stops.
If a renewal fails, we notify the business’s owners and admins and retry 3, 7 and 14 days after the preceding attempt. If the final attempt fails, the business moves to the Free plan. Records are not deleted, existing members retain their access, paid features stop and Free plan limits apply. The unpaid invoice remains on record.
Unless stated otherwise, fees exclude taxes. Payment and conversion charges are separate from subscription fees and are disclosed for the relevant instruction. Third-party or network charges may also apply as disclosed by the service.
Cancellation and referrals
You can cancel renewal. Your paid plan continues until the end of the paid period and is not billed again. Subscription fees are not refunded on cancellation, whether the plan is monthly or annual, except where applicable law requires otherwise. This rule does not describe the treatment of customer funds or a failed payment transaction.
If a business joins through your eligible referral link and pays its first subscription invoice, your business and that business each receive a credit worth a free month. For a monthly plan, it covers one month’s invoice. For an annual plan, it deducts one month at the monthly price. Credits apply automatically to a later subscription invoice, one credit per invoice, and cannot be exchanged for cash. Misuse can make a referral ineligible. Affiliate commissions are governed by the separate programme terms.
We give at least 30 days’ notice of a subscription price change, which takes effect at your next renewal.
Connected services and AI
You choose whether to connect another service, share an API key, configure a webhook or use an AI feature. Ensure that the destination and people with access are appropriate for the data being sent. The third party’s terms govern its own service.
Disconnecting stops new requests through the connection. A request already in progress may finish. It does not remove records already delivered elsewhere. The third party’s own service is governed by its terms; Paffle remains responsible for its own service and legal duties.
AI answers and extracted drafts can be incomplete or incorrect. Check them before taking action. We do not use the contents of your books to train general-purpose AI models. Our Privacy Policy explains how an enabled AI feature uses information.
Our intellectual property
Paffle’s software, branding, website content and other materials belong to us or our licensors. We grant you a limited right to use the service for its intended purpose while complying with these terms. You may not copy, sell, sublicense or present it as your own service without our permission, except where applicable law expressly permits an activity.
Feedback you choose to provide may be used to improve Paffle without payment to you. This does not give us ownership of your business records or personal information.
Acceptable use and availability
Follow our Acceptable Use Policy. Do not use Paffle for unlawful conduct, false documents, fraud, unsolicited bulk messages, unauthorised access or interference with other users.
We work to keep the service available, but do not promise uninterrupted or error-free operation. Partners, tax authorities, banks and networks can have their own outages or delays. We give notice of planned maintenance where practical. No standard plan includes a service-level agreement.
Suspension and closure
You can request account closure. We may restrict or suspend access where necessary to address a breach, security threat, fraud risk or legal requirement. Unpaid subscription fees are handled through the billing process described above. We give notice and an opportunity to resolve the matter where practical and lawful, but urgent risks may require immediate action.
Closure of a Paffle account does not automatically delete statutory records, cancel an issued document or unwind a completed transfer. Financial records, audit evidence and other required information may be retained as explained in our Privacy Policy.
Use available exports before closure. You can request an export within 30 days after closure, subject to verification, third-party rights, legal restrictions and the records available to us. Where a payment service is involved, any remaining balance must be handled under its applicable terms and law. Closing access does not remove obligations that already arose.
Warranties and liability
Except for express commitments we make, and to the extent the law permits, the service is provided ‘as is’ and ‘as available’. We do not give implied warranties of merchantability, fitness for a particular purpose or non-infringement beyond what the law requires.
To the extent permitted by law, neither party is liable to the other for indirect or consequential losses, or loss of profit, revenue or data. Subject to the exceptions below, Paffle’s total liability arising from the service is limited to the fees you paid Paffle for it in the twelve months before the event giving rise to the claim.
These exclusions do not limit liability for fraud, death or personal injury caused by negligence, or any liability that cannot lawfully be excluded or limited. They do not remove mandatory consumer, privacy or payment rights, or any duty under applicable law to account for or return money held on your behalf.
Claims arising from misuse
To the extent permitted by law, you will compensate us for reasonable losses, liabilities and costs resulting from a third-party claim arising from your unlawful use of Paffle, material breach of these terms, or content you supply without the necessary rights. This does not apply to the extent the claim results from Paffle’s own breach or unlawful conduct. We will notify you of a claim and allow you a reasonable opportunity to participate in its defence.
Changes and notices
We give at least 30 days’ notice of material changes to these terms, normally by email or in the app. We may ask you to accept an updated version before continuing to use the service.
Keep your account email current and review service notices. If you do not accept an applicable change, stop using the affected service and cancel or close it as appropriate. Any mandatory rights remain available.
Governing law and other terms
These terms are governed by the laws of Ontario and the federal laws of Canada applicable there. The courts of Ontario have exclusive jurisdiction, except where mandatory law gives you a different right or forum.
If a provision is unenforceable, the remaining provisions continue to apply. Failure to enforce a provision immediately is not a waiver. Neither a translation nor these terms removes rights that cannot be waived under applicable law.
Contact and complaints
For support, a complaint or a question about these terms, email support@paffle.com or write to Paffle Pay Inc. at the registered address above. Describe the issue and relevant references, but do not send a password, recovery code or full payment-card number. Privacy requests should be sent to privacy@paffle.com.