Introduction

Welcome to Rekono. These Terms of Service ("Terms") govern your use of Rekono's statement matching service, including our website, mobile applications, and related services (collectively, the "Service").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

Definitions

• "Service" refers to Rekono's statement matching platform and related services
• "User," "you," and "your" refers to you, as the user of the Service
• "Company," "we," "us," and "our" refers to Rekono
• "Content" refers to text, images, or other information you submit to the Service
• "Account" refers to your registered user account on the Service

Acceptance of Terms

By creating an account or using our Service, you confirm that you:

• Are at least 18 years old
• Have the legal capacity to enter into these Terms
• Will comply with all applicable laws and regulations
• Accept these Terms in their entirety

Description of Service

Rekono provides a statement matching service that helps users:

• Upload and process financial documents
• Match transactions between different financial statements
• Generate reconciliation reports and insights
• Streamline financial reconciliation processes

User Accounts

Account Creation

• You must provide accurate, current, and complete information during registration
• You are responsible for maintaining the security of your account credentials
• You may not share your account with others or allow others to use your account
• You must notify us immediately of any unauthorized use of your account

Account Responsibilities

• You are responsible for all activities that occur under your account
• You must keep your account information up to date
• You may not use the Service for any illegal or unauthorized purpose
• You may not violate any laws in your jurisdiction through your use of the Service

Acceptable Use

Permitted Uses

You may use the Service to:

• Process your own financial documents and statements
• Generate reconciliation reports for legitimate business purposes
• Access and manage your account information
• Use features and tools provided by the Service

Prohibited Uses

You may not:

• Use the Service for any illegal or fraudulent activities
• Attempt to gain unauthorized access to the Service or other users' accounts
• Interfere with or disrupt the Service or servers
• Upload malicious code, viruses, or harmful content
• Reverse engineer, decompile, or disassemble the Service
• Use the Service to process others' financial information without authorization
• Violate any applicable laws or regulations

Financial Data and Privacy

Data Handling

• We do not collect or store your financial information
• All processing is done securely and in accordance with our Privacy Policy
• You retain ownership of your data and content
• We implement appropriate security measures to protect your information

Your Responsibilities

• You are responsible for the accuracy of data you upload
• You must have the right to process any financial documents you upload
• You must comply with applicable financial regulations and laws
• You should not upload sensitive financial information unless necessary

Service Availability and Modifications

Service Availability

• We strive to maintain high service availability but do not guarantee 100% uptime
• The Service may be temporarily unavailable for maintenance or updates
• We are not liable for any interruptions in service

Service Modifications

• We may modify, suspend, or discontinue the Service at any time
• We will provide reasonable notice of significant changes when possible
• Your continued use of the Service after changes constitutes acceptance

Payment Terms

Subscription Plans

• We offer various subscription plans with different features and pricing
• All prices are listed in USD unless otherwise specified
• Prices may change with 30 days' notice

Billing and Payment

• Subscriptions are billed in advance on a recurring basis
• You authorize us to charge your payment method for all fees
• Failed payments may result in service suspension
• Refunds are handled according to our refund policy

Cancellation

• You may cancel your subscription at any time
• Cancellation takes effect at the end of your current billing period
• No refunds are provided for partial billing periods

Intellectual Property

Our Rights

• The Service and its original content, features, and functionality are owned by Rekono
• Our trademarks, service marks, and logos are protected by intellectual property laws
• You may not use our intellectual property without written permission

Your Rights

• You retain ownership of content you submit to the Service
• By using the Service, you grant us a limited license to process your content
• This license is necessary to provide the Service and terminates when you delete your account

Limitation of Liability

Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Limitation of Damages

IN NO EVENT SHALL REKONO BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICE.

Maximum Liability

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

Indemnification

You agree to defend, indemnify, and hold harmless Rekono and its officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or debt arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit to the Service

Termination

Termination by You

• You may terminate your account at any time
• Termination is effective immediately upon account deletion
• We will delete your data within 30 days of termination

Termination by Us

We may terminate or suspend your account immediately if:

• You violate these Terms
• You engage in fraudulent or illegal activities
• You fail to pay subscription fees
• We discontinue the Service

Effect of Termination

Upon termination:

• Your right to use the Service ceases immediately
• We will delete your account and data
• Any provisions that should survive termination will remain in effect

Governing Law and Disputes

Governing Law

These Terms are governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to conflict of law principles.

Dispute Resolution

• We encourage resolving disputes through good faith communication
• Any disputes shall be resolved through binding arbitration
• Arbitration shall be conducted in [Your Jurisdiction] under [Arbitration Rules]
• You waive any right to a jury trial or class action lawsuit

Miscellaneous

Entire Agreement

These Terms constitute the entire agreement between you and Rekono regarding the Service and supersede all prior agreements.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Assignment

You may not assign or transfer your rights under these Terms. We may assign our rights and obligations to any party at any time.

Notices

We may provide notices to you through the Service, email, or other reasonable means. Notices are effective upon delivery.

Force Majeure

We are not liable for any failure to perform due to circumstances beyond our reasonable control, including natural disasters, government actions, or technical failures.

Contact Information

If you have questions about these Terms of Service, please contact us: