Terms of Service

1. Agreement to Terms

These Terms of Service govern your access to and use of FincoLedger, operated by 芬科系統軟體有限公司 (Fincosoft Co.). By using the service you agree to these terms. [Confirm the acceptance mechanism — pending legal review.]

2. Definitions

In these Terms: "Service" means the FincoLedger platform together with its related websites and APIs; "Account" means the login identity you use to access the Service; "Tenant" means the isolated data scope created for a single company; "Customer Data" means the data you enter into the Service, which may include personal data of your customers, vendors, and staff; "Subscription" means the paid plan and billing cycle you select. [Full definitions pending legal review.]

3. Eligibility & Accounts

Accounts are created through an application that we review and approve. You are responsible for the accuracy of your registration details and for safeguarding your login credentials. [Confirm approval and eligibility rules — pending legal review.]

4. The Service

FincoLedger is an IFRS-ready double-entry accounting engine for small and medium businesses. It is not a full IFRS disclosure package — for example, it does not include IFRS 9/16 modules or multi-entity consolidation. [Confirm the current scope — pending legal review.]

5. Subscriptions & Fees

The service is offered on trial and paid subscription plans. [State pricing, billing cycle, taxes, renewal, and refund terms — pending legal review.]

6. Acceptable Use

You agree not to misuse the service, attempt to breach its security or tenant isolation, or use it for unlawful purposes. [Confirm the prohibited-use list — pending legal review.]

7. Your Data

You retain ownership of the data you enter into the service. We process it on your behalf to provide the service, as described in our Privacy Policy. [Confirm data-ownership and processing terms — pending legal review.]

8. Demo Environment

The demo environment is shared, resets on a schedule, and is for evaluation only — do not enter real or sensitive data into it. [Confirm demo terms — pending legal review.]

9. Intellectual Property

The software, its design, and all related materials are owned by 芬科系統軟體有限公司 (Fincosoft Co.) and its licensors. [Confirm IP and licence terms — pending legal review.]

10. Disclaimers

The service helps you keep accounting records but does not provide accounting, tax, audit, or legal advice. You are responsible for the accuracy of your records and your compliance with applicable laws and standards. The service is provided "as is". [Confirm disclaimer language — pending legal review.]

11. Limitation of Liability

To the maximum extent permitted by applicable law, the Service is provided "as is" and Fincosoft Co. is not liable for any indirect, incidental, consequential, or punitive damages; our total aggregate liability is limited to the fees you paid for the Service in the twelve months preceding the event giving rise to the claim. [Final limitation and cap wording pending legal review.]

12. Term, Suspension & Termination

This agreement takes effect when you begin using the Service and continues until terminated by you or by us in accordance with these Terms. We may suspend or terminate your access if you breach these Terms or where there is a security concern. On termination, you may export your data within a reasonable period, after which we will delete or de-identify it in accordance with our Privacy Policy and applicable law. [Details of term, grounds for suspension, and data-retention periods pending legal review.]

13. Governing Law & Jurisdiction

These terms are governed by the laws of the Republic of China (Taiwan). [Confirm the agreed courts of jurisdiction — pending legal review.]

14. Changes & Contact

We may update these terms and will post the revised version here with its effective date. Questions can be sent to support@fincosoft.com. [Add the effective date on publication — pending legal review.]