Terms of Service

1. Eligibility and Authority

You may use the Services only if:

• you are at least the age of majority in your jurisdiction;
• you have the legal capacity to enter into a binding agreement; and
• you are not prohibited from using the Services under applicable law.

If you use the Services on behalf of a company, organization, or other entity, you represent and warrant that you have authority to bind that entity to these Terms. In that case, "you" includes both you and that entity.

2. The Services

Nomad is an expense management and financial operations platform that may include:

• receipt capture and document upload;
• OCR and AI-assisted data extraction;
• expense, invoice, and reimbursement workflows;
• exports, reporting, analytics, and workspace administration;
• integrations with third-party platforms; and
• subscription and billing features.

We may add, remove, modify, or discontinue features from time to time.

3. Accounts

To use certain features, you must create an account or join a workspace. You agree to:

• provide accurate, current, and complete information;
• keep your account credentials confidential;
• promptly update your information if it changes; and
• notify us immediately if you suspect unauthorized access to your account.

You are responsible for all activity that occurs under your account unless caused by our breach of these Terms or applicable law. We may suspend or restrict access to your account if we reasonably believe your account is being used unlawfully, fraudulently, abusively, or in violation of these Terms.

4. Workspaces and Team Accounts

If you use Nomad as part of a workspace, company, or team account:

• workspace owners and administrators may manage users, permissions, billing, data access, and settings;
• your data may be visible to authorized users within the workspace according to role-based permissions;
• your organization may control, access, export, retain, or delete workspace data; and
• you are responsible for ensuring that your use of workspace data complies with applicable law and your internal policies.

If you are a workspace owner or administrator, you are responsible for the actions of users you invite or manage through your workspace to the extent permitted by law.

5. Subscriptions, Billing, and Payments

A. Paid Plans

Some parts of the Services require a paid subscription or other paid plan. Pricing, plan features, usage limits, and billing intervals will be described at checkout, in the applicable order form, or in the Service interface.

B. Stripe Billing

For direct web purchases and certain business or enterprise subscriptions, billing may be processed by Stripe or another payment processor we designate. By purchasing through a direct billing flow, you authorize us and our payment processor to charge the payment method you provide for:

• subscription fees;
• renewals;
• applicable taxes; and
• any other charges you expressly authorize.

We do not store full payment card numbers.

C. App Store Billing

If and when we make subscriptions available through the Apple App Store, Google Play, or another app marketplace:

• your purchase, renewal, cancellation, and refund rights may also be governed by the applicable store's terms and policies;
• billing may be handled by that store rather than directly by us; and
• we may receive limited subscription and transaction data from the store to activate and manage your access.

D. Auto-Renewal

Unless otherwise stated, paid subscriptions automatically renew for successive billing periods until cancelled. By purchasing an auto-renewing subscription, you authorize recurring charges using your chosen payment method until cancellation. You may cancel renewal at any time before the next renewal date. Unless otherwise stated or required by law, cancellation will take effect at the end of the current paid term.

E. Taxes

Fees do not include taxes unless expressly stated otherwise. You are responsible for applicable sales, use, value-added, goods and services, harmonized sales, or similar taxes, except for taxes based on our net income.

F. Price Changes

We may change pricing, plans, or included features from time to time. If we change the price of your subscription, we will provide notice before the change takes effect for your next renewal period, where required by law.

G. Refunds

Except as required by law, direct purchases are non-refundable once paid. If you purchased through Stripe, any refund we choose to provide is at our discretion unless applicable law requires otherwise. If you purchased through Apple or Google when those channels become available, refunds are generally handled under the applicable app store's policies.

H. Enterprise Terms

If you enter into a separate master services agreement, order form, subscription agreement, or negotiated enterprise contract with us, that agreement will govern to the extent of any conflict with these Terms.

6. License and Permitted Use

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services for your internal business or personal lawful use. You may not:

• copy, reproduce, distribute, sell, resell, lease, or sublicense the Services except as expressly permitted by us;
• reverse engineer, decompile, disassemble, or otherwise attempt to derive source code, underlying models, or non-public components of the Services, except where prohibited by law;
• interfere with or disrupt the integrity, performance, or security of the Services;
• bypass access controls, rate limits, or security measures;
• use the Services to build a competing product or service;
• scrape, crawl, or harvest data from the Services except as explicitly authorized;
• use the Services for unlawful, fraudulent, abusive, defamatory, infringing, or misleading purposes; or
• upload malware, malicious code, or harmful content.

7. Your Content

A. Ownership

You retain ownership of the content you submit to Nomad, including receipts, documents, expense records, notes, exports, and workspace data ("Customer Content").

B. License to Us

You grant us a worldwide, non-exclusive, royalty-free license to host, store, reproduce, process, transmit, display, and use Customer Content only as necessary to:

• provide, secure, and maintain the Services;
• perform OCR, extraction, synchronization, export, and related functions;
• troubleshoot, prevent abuse, and improve reliability; and
• comply with legal obligations and enforce our agreements.

This license ends when your Customer Content is deleted from the Services, except to the extent retention is required for backups, security, legal compliance, dispute resolution, or other lawful purposes described in our Privacy Policy.

C. Responsibility for Content

You are solely responsible for Customer Content that you upload, submit, connect, or share through the Services, including ensuring that you have all necessary rights, permissions, notices, and consents. You represent and warrant that your Customer Content and your use of the Services do not violate applicable law or infringe the rights of any third party.

8. OCR, AI, and Automation Features

Nomad may use on-device processing, cloud OCR, AI-assisted extraction, and workflow automation to process receipts, invoices, and related documents. You acknowledge that:

• OCR and AI outputs may contain errors, omissions, or misclassifications;
• extracted or suggested data must be reviewed by you before relying on it for accounting, tax, reimbursement, reporting, or legal purposes; and
• we do not guarantee that automated outputs are complete, accurate, or suitable for your specific use case.

You remain responsible for verifying expense records, tax treatment, reimbursement decisions, accounting classifications, and compliance outcomes.

9. No Professional Advice

Nomad is software. It does not provide legal, tax, accounting, audit, payroll, banking, investment, or other regulated professional advice. Any reports, suggestions, extracted data, tax labels, policy workflows, or AI-generated outputs are for informational and operational assistance only. You should consult qualified professionals before making legal, tax, accounting, compliance, or financial decisions.

10. Third-Party Services and Integrations

The Services may interoperate with or link to third-party services, including payment processors, cloud providers, app stores, accounting systems, email providers, and business platforms. Your use of third-party services is governed by the terms and privacy policies of those third parties, not these Terms. We are not responsible for third-party services, their availability, or their acts or omissions. We may suspend or remove integrations at any time.

11. Feedback

If you provide suggestions, ideas, enhancement requests, recommendations, or other feedback about the Services, you grant us a worldwide, perpetual, irrevocable, royalty-free right to use that feedback for any lawful purpose without restriction or compensation to you.

12. Availability, Maintenance, and Changes

We do not guarantee that the Services will always be available, uninterrupted, secure, or error-free. We may:

• perform scheduled or emergency maintenance;
• modify or discontinue features;
• impose or update usage limits;
• release updates, patches, or new versions; and
• suspend access to protect the Services, users, or third parties.

We are not liable for downtime, delays, or unavailability caused by maintenance, internet or infrastructure failures, third-party outages, force majeure events, or other causes outside our reasonable control.

13. Suspension and Termination

We may suspend or terminate your access to all or part of the Services if:

• you violate these Terms;
• you fail to pay amounts due;
• your use creates legal, security, operational, or reputational risk;
• we are required to do so by law or by a third-party platform; or
• we reasonably suspect fraud, abuse, or unauthorized activity.

You may stop using the Services at any time. You may also cancel your subscription in accordance with the applicable billing terms. Upon termination:

• your license to use the Services ends;
• we may disable or delete access to your account or workspace;
• certain data may remain subject to retention, backup, legal, tax, accounting, audit, and security requirements; and
• provisions that by their nature should survive termination will survive, including payment obligations, disclaimers, limitations of liability, dispute terms, and intellectual property provisions.

14. Privacy

Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, disclose, and protect personal information.

15. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE."

WE DISCLAIM ALL WARRANTIES, REPRESENTATIONS, AND CONDITIONS, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, QUIET ENJOYMENT, AND THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

Some jurisdictions do not allow certain disclaimers, so some of the above may not apply to you.

16. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, ARTEK NEXUS AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, CONTRACTORS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, BUSINESS INTERRUPTION, OR LOSS OF USE, ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF ARTEK NEXUS AND ITS RELATED PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF: THE AMOUNT YOU PAID US FOR THE SERVICES IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM; OR CAD $100, IF YOU HAVE NOT PAID US ANYTHING.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law.

17. Indemnity

If you use the Services on behalf of a business, organization, or other non-consumer entity, you agree, to the fullest extent permitted by law, to defend, indemnify, and hold harmless Artek Nexus and its directors, officers, employees, affiliates, contractors, and service providers from and against any third-party claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to:

• your Customer Content;
• your misuse of the Services;
• your violation of these Terms; or
• your violation of applicable law or the rights of a third party.

18. Governing Law and Venue

These Terms and any dispute, claim, or controversy arising out of or relating to these Terms or the Services are governed by the laws of the Province of Quebec and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Subject to applicable law, you and Artek Nexus Inc. agree that the courts located in Montreal, Quebec, Canada will have exclusive jurisdiction over any dispute, claim, or controversy arising out of or relating to these Terms or the Services, and each party attorns to the jurisdiction of those courts.

Nothing in these Terms limits any non-waivable rights or remedies you may have under applicable consumer protection, privacy, language, or other mandatory law.

19. Consumer Rights Savings Clause

If you are a consumer, nothing in these Terms is intended to waive rights that cannot be waived under applicable law. Where applicable law gives you mandatory cancellation, renewal, refund, notice, language, venue, warranty, privacy, or other consumer rights, those rights continue to apply despite anything else in these Terms.

20. App Store Terms

A. Apple App Store

If you access the mobile application through the Apple App Store:

• these Terms are concluded between you and Artek Nexus Inc., and not with Apple;
• Apple is not responsible for the Services, support, maintenance, or claims relating to the Services, except as required by law;
• your license is limited to use on Apple-branded devices that you own or control, subject to Apple's usage rules; and
• Apple and its subsidiaries are third-party beneficiaries of these Terms to the extent they relate to your use of the iOS application and may enforce those terms against you as a third-party beneficiary.

B. Google Play

If you access the mobile application through Google Play, your use is also subject to applicable Google Play terms, policies, billing rules, and subscription requirements.

21. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will provide notice by updating the date above, posting notice in the Services, sending an email, or using another reasonable method. Your continued use of the Services after updated Terms take effect means you accept the updated Terms, to the extent permitted by law.

If you do not agree to the updated Terms, you must stop using the Services and, if applicable, cancel your subscription.

22. Notices

We may provide notices to you by email, through the Services, or by other reasonable electronic means. You may send legal notices or questions to: