Terms of service

These terms are the agreement between you and OWSH Unlimited LLC, a New York limited liability company doing business as Contha (“Contha”, “we”), for the use of contha.com, app.contha.com and everything served from them (the “Service”). Creating an account or using the Service means you agree to them. If you do not, do not use it.

1. What the Service is, and is not

Contha reads the financial accounts you connect or the files you upload and does arithmetic on them: one set of books across personal and business money, a categorised ledger, a tax estimate and quarterly schedule, mileage, receipts, the owner position for pass-through entities, and a package your accountant can open.

It is not, and you agree you will not treat it as:

• A bank, a money transmitter, or a custodian. Contha never holds, moves, freezes or closes money. Connections are read-only. Nothing in the Service is a deposit and nothing is insured by the FDIC or anyone else.
• Tax advice, legal advice, accounting advice or investment advice. Every figure is an estimate computed from the rows you can see, under assumptions the page states, and can be wrong: because a feed was behind, a row was miscategorised, a rate changed, or your situation has facts the product cannot know. Decisions about what to file, pay, deduct, set aside or invest are yours and your professional adviser’s.
• A tax preparer or a filing service. The Service prepares what a return is prepared from; it does not prepare or file the return.
• A system of record. Your bank’s statement and your accountant’s books are the record. Contha is a view of them.

2. Your account

• You must be at least 18 and able to enter a contract.
• You are responsible for what happens under your login. Keep the password to yourself and tell us at once if you think it has leaked.
• You may invite people to your household and give them an editor or viewer role. You are responsible for who you invite and for removing them. A viewer can read; an editor can change the books; neither can see your billing or your settings.
• A read-only link you create opens the year-end package to anyone who has the link until it expires or you turn it off. Treat the link as you would the files.
• One person per account. You may not sell, rent or share the account, and you may not use the Service to build a competing product or to scrape it.
• You may only connect accounts you are entitled to connect. Connecting someone else’s account without authority is a breach of these terms and probably of the law.

3. Bank connections

Connections are made through Plaid. By connecting an account you authorise Plaid and Contha to retrieve information from that account, on a read-only basis, and you agree to Plaid’s End User Privacy Policy. Banks and aggregators break. When a connection is behind, dead, or needs you to sign in again, the Service says so on every figure it touches, and it is your job to reconnect or to import a file. We are not responsible for a figure computed while a feed was behind, and the figure will have said so.

4. Plans, the free week, and billing

• Every new account has the whole product for seven days without a card. When the week ends the books stay readable and exportable, and changing them requires a plan. Nothing is deleted.
• Three plans, by who you are: Personal, Solo and Owner, at the prices shown on the pricing page on the day you subscribe, billed monthly or yearly through Stripe. A year is billed as ten months.
• The price on your subscription is the price you pay for as long as you keep that plan. If the list price changes later, an existing subscription is not moved to it. Changing plan takes the new plan’s list price.
• Cancel any time from Settings. Cancellation takes effect at the end of the period already paid; there are no refunds for a partial period except where the law requires one, and except that if you cancel within seven days of your first payment we refund it in full on request.
• A failed payment leaves the account readable and pauses syncing until the card is fixed. After thirty days unpaid the plan is treated as canceled.
• Prices exclude any sales tax we are required to collect; where we are, it is shown before you pay.

5. Your data

Your data is yours. You give us a licence to store, process and display it for the sole purpose of providing the Service to you and the people you share it with. We do not sell it, we do not use it for advertising, and we do not train models on it. You can export all of it as one file at any time and delete the account with everything in it. Our privacy policy says the rest and is part of these terms.

6. Acceptable use

Do not:

• break, probe or overload the Service, or try to reach data that is not yours;
• upload anything unlawful, or anything you have no right to upload;
• use the Service for money laundering, fraud, or any unlawful purpose;
• automate access except through the documented API with your own credentials, and then at a reasonable rate.

7. Our rights

• The Service, its design, code, marks and text are ours or our licensors’. These terms give you a personal, non-exclusive, revocable right to use it, nothing more.
• We can change the Service. We will not remove the export, and if we discontinue the Service we will give at least sixty days’ notice and keep the export working until the end.
• We can suspend or close an account that breaks these terms, is used for fraud, or presents a risk to the Service or other users. Where it is safe to do so we tell you first and give you the export.

8. What we do not promise

The Service is provided as it is and as available. To the fullest extent the law allows, we disclaim every warranty, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. In particular we do not promise that any figure is correct, that any feed will stay connected, that a deduction will be allowed, or that a payment schedule will avoid a penalty. Read the page; the assumptions are on it.

9. Limits on liability

To the fullest extent the law allows, Contha is not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, lost data, a tax penalty, interest, or a filing based on a figure from the Service. Our total liability for everything arising from the Service in any twelve months is the amount you paid us in those twelve months, or one hundred dollars if you paid nothing. Some places do not allow some of these limits; there, they apply as far as they can.

10. Indemnity

You will defend and indemnify us against claims arising from your breach of these terms, your unlawful use of the Service, or your connecting an account you had no right to connect.

11. Disputes

These terms are governed by the law of the State of New York without regard to its conflict rules. Before suing, write to us; most things are fixed by email within two weeks. Anything that is not goes to the state or federal courts in Erie County, New York, and you and we agree to their jurisdiction. Each side pays its own lawyers. Where the law allows, claims are brought individually, not as a class.

12. The rest

• These terms, the privacy policy and the disclosures page are the whole agreement. If a part is unenforceable the rest stands.
• We can update these terms. For a change that matters we email every account at least fourteen days before it takes effect; using the Service after that is acceptance. Otherwise the date at the top is the notice.
• You may not assign this agreement. We may assign it to a successor of the business, and you will be told.
• Notices to you go to your account email. Notices to us go to the address below.

Contact

OWSH Unlimited LLC, Buffalo, New York.
legal@contha.com