Terms of Service

1. The service

V+ is online bookkeeping software: books, invoices, bills, banking, inventory, sales tax and reports for one or more companies, with AI features (V+). We may improve or change features; we will tell you before removing something you rely on.

V+ is for business use. By signing up you confirm that you are using it for a business, not for personal, family or household purposes.

2. Your account

Give true information, keep your password and two-step code to yourself, and tell us at once if someone else gets into your account. You are responsible for what is done in your account, and for the people you invite and the access you give them.

Connecting a bank requires two-step verification on your login.

3. Who can sign up

For now, V+ is offered to businesses whose registered office is in Canada outside Quebec. Sign up with your business’s true registered office.

4. Trials, plans and fees

A trial is free for the period shown when you start it, without a card. After it, the plan you choose is charged in Canadian dollars, plus sales tax, monthly or yearly in advance, until you cancel.

AI is prepaid: each plan includes some each month, and V+ credits can be bought ahead at V+ prices. AI pauses when they run out; nothing is billed afterwards. Credits do not expire while your account is open, are not refundable and cannot be exchanged for cash. If a payment fails, the group becomes read-only after notice, and is locked after 90 days unpaid; nothing is deleted.

If a payment fails we will tell you and try again; after 90 days unpaid an account may be made read-only. We may change prices for the next period with at least 30 days’ notice.

5. Cancelling and refunds

Monthly plans: fees already paid are not refunded; when you cancel, the plan runs to the end of the month paid.

Yearly plans: when you cancel, we refund the unused whole months. The yearly discount then no longer applies: the months used, the current month included, are charged at the plan’s monthly price, and the rest of what you paid for the year is refunded, with its sales tax. If the months used cost as much as the year, nothing is refunded. Free months (a trial, a code or a referral) are not charged.

Where the law gives you more, the law applies.

6. Codes and referrals

A trial code gives the free period it states, once, to a new group still in its trial. Codes have no cash value, cannot be combined with a referral, and end on the date shown.

A customer can share a referral link or send an invitation from V+. A business that signs up through it and chooses either plan billed yearly gets one more free month before its first charge. Once that business has paid for its year and stayed paid for 3 months, the customer who referred it receives one month of their own plan’s fee as a credit on their account, and CA$10 of V+ credits for AI. The fee credit pays future invoices of V+ only, waits until a payment method is on file, and has no cash value; V+ credits follow the AI terms above. Referring yourself, a business under the same control or at the same business email domain, or a group an accounting firm pays for, does not count. If the referred business’s fee is refunded, we may take the credit back. We may change or end codes and referrals at any time; credits already given stay.

7. Your data

Your business data is yours. We use it only to provide and support V+, and never sell it. You can export it at any time. After your account ends we keep it for 12 months, so you can export it or come back and carry on; then it is deleted. You are responsible for having the right to put data into V+ (for example your customers’ details).

8. AI features

AI reads documents and suggests entries, accounts and answers. Suggestions can be wrong: check them before you post or rely on them. Nothing in V+, including Victoria, is tax, legal, accounting or investment advice; ask your accountant.

9. Not professional advice

V+ is software. Using it does not make us, or any accountant who works at or with 1001648769 Ontario Inc., your accountant, bookkeeper, tax preparer or adviser, and creates no professional relationship. Accounting choices, tax positions and what is filed are your decisions.

10. Your filings and records

You review everything before you post, send or file it — entries, invoices, sales tax returns, GIFI files, financial packages and reports — and you file on time with the CRA and any other authority. V+ prepares figures; it does not file for you unless a feature clearly says so and you confirm.

Reconcile your bank and card accounts against your statements. Keep your own copies of your records for as long as the law requires (often six years), and export them regularly.

11. Bank feeds and other services

Some features rely on others: Plaid connects bank accounts, banks and card issuers supply transactions, Stripe takes payments, Anthropic powers AI and Resend sends email. Their services have their own terms, and data from them can be late, incomplete or wrong. We are not responsible for their errors, outages or changes, and we may change the providers we use.

When you connect a bank through Plaid, you also agree to Plaid’s End User Privacy Policy (plaid.com/legal). You can disconnect a bank at any time; we then remove the connection at Plaid.

12. Accounting firms

If you use V+ for clients, you confirm you have their authority to do so, you remain responsible for your work and advice to them, and our agreement is with you, not with your clients, unless they sign up themselves.

13. Acceptable use

Do not use V+ to break the law, to send spam, to harm others, to try to get into other people’s data, to overload or reverse-engineer the service, or to resell it without our written agreement.

In particular, do not use V+ to make false invoices or records, to claim tax credits or refunds you are not entitled to, or to show a business or GST/HST number that is not yours. We may suspend such an account at once, without notice, and keep what we need to cooperate with the Canada Revenue Agency or other authorities.

14. Security

We protect your data as described in our Privacy Policy. If a security breach involving your information creates a real risk of significant harm, we will tell you and the Privacy Commissioner of Canada as the law requires. You keep your logins secure, use two-step verification and tell us at once if you suspect misuse.

15. Availability and support

We work to keep V+ available and backed up, but it is provided as available and may be interrupted for maintenance, updates or reasons outside our control. Support is by the in-app help, tickets and email; we do not promise response times unless your plan says so.

16. Liability

V+ is provided “as is” and “as available”. To the extent the law allows, we give no promises beyond those in these terms, including any implied promise that it is fit for a particular purpose, error-free or uninterrupted.

To the extent the law allows, we are not liable for: indirect, special or consequential losses; lost profits, revenue, savings or goodwill; taxes, penalties, interest or fines charged to you; losses from missed deadlines, from decisions made on reports or AI suggestions, or from data you could have exported; or losses caused by third-party services or by anyone using your login.

Our total liability for all claims together is limited to the fees you paid us in the 12 months before the event that gave rise to the claim. These limits apply however a claim is framed (contract, negligence or otherwise) and do not limit anything the law does not allow to be limited.

17. Your responsibility to us

You will compensate us, our directors, staff and providers for claims, losses and reasonable legal costs arising from your data, from your use of V+ in breach of these terms or the law, or from the actions of people you give access to.

18. Events beyond our control

We are not responsible for delays or failures caused by events beyond our reasonable control, such as outages of internet, cloud, bank or payment providers, cyber attacks despite reasonable care, natural events, labour disputes or government action.

19. Ending

You can cancel at any time (see Cancelling and refunds). We may suspend or close an account that breaks these terms or is not paid, after notice where we can give it.

When an account ends, access stops; your data is kept for 12 months for export or to reopen the account, then deleted. Amounts owed stay due, and the parts of these terms meant to last (fees owed, liability, your responsibility to us, disputes) continue.

20. Disputes

Tell us first at support@vorderai.com; we will try in good faith to settle it within 30 days. If we cannot, the courts of Toronto, Ontario decide, under the laws of Ontario and of Canada.

To the extent the law allows: claims are brought individually, not as part of a class or group action, and must be started within one year after the claim arose.

21. Changes to these terms

We may update these terms; for changes that matter we will tell you by email or in V+ at least 30 days ahead, and continuing to use V+ after that means you accept them.

22. General

These terms, the Privacy Policy and what you accept in V+ (such as a plan) are our whole agreement. If any part cannot be enforced, the rest still applies. Not enforcing a term is not a waiver. You may not transfer this agreement without our consent; we may transfer it to a company that takes over V+. Notices to you go to your account email. If a translation differs, the English version applies.

23. Contact

1001648769 Ontario Inc., operating as V+ Accounting, Toronto, Ontario · support@vorderai.com