Terms of Service

Version 1.0 — Last updated: February 14, 2026

1. Agreement to Terms

These Terms of Service ("Terms") are a legally binding agreement between you ("you", "your", "Customer") and RISA Capital Inc., a Canadian federal corporation operating the RISA Docs platform ("we", "us", "our", "RISA Docs"). By creating an account, accessing, or using the RISA Docs platform at risadocs.ca ("Service"), you agree to be bound by these Terms, our Privacy Policy, and our Acceptable Use Policy. If you do not agree to all of these terms, do not use the Service.

If you are accepting these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to these Terms, in which case "you" refers to that entity.

2. Service Description

RISA Docs is a cloud-based document management and bookkeeping automation platform designed for Canadian small and medium-sized businesses. The Service provides:

  • Document upload, OCR (optical character recognition) processing, and secure storage
  • Automated expense categorization using your bookkeeping expense accounts
  • Integration with third-party accounting and email providers
  • Email scanning for automated document capture
  • Multi-user organization management with role-based access control

The Service uses artificial intelligence (including Anthropic's Claude AI) to extract text from documents and classify expenses. AI-generated outputs are assistive tools and may contain errors. You are solely responsible for reviewing and verifying all automated results before relying on them for financial decisions, tax filings, or Canada Revenue Agency (CRA) submissions.

3. Account Registration and Responsibilities

  • You must be at least 18 years of age to create an account.
  • You must provide accurate, current, and complete registration information.
  • You are responsible for maintaining the confidentiality of your account credentials, including your password and any two-factor authentication (2FA) settings.
  • You must notify us immediately at security@risadocs.ca if you become aware of any unauthorized use of your account.
  • You are responsible for all activity that occurs under your account, whether or not you authorized it.
  • Each organization is limited to one account per email domain.

4. Free Trial

We may offer a free trial period for new accounts. During the trial:

  • You will have access to the Service's features as described at the time of sign-up.
  • No payment information is required during the trial period.
  • At the end of the trial, your account will be converted to a paid subscription or suspended until you select a plan. We will notify you before the trial ends.
  • We reserve the right to modify or discontinue the free trial at any time.
  • Data you upload during the trial will be retained and available if you convert to a paid plan.

5. Fees and Payment

  • Subscription plans: The Service is offered on a monthly or annual subscription basis. Current pricing is available on our website or within the platform.
  • Billing: Subscription fees are billed in advance at the start of each billing cycle (monthly or annually). Payment is due on the billing date.
  • Auto-renewal: Subscriptions automatically renew at the end of each billing cycle unless you cancel before the renewal date.
  • Taxes: All fees are exclusive of applicable taxes. You are responsible for paying any HST, GST, PST, or other taxes applicable to your purchase under Canadian law.
  • Price changes: We may change our pricing with at least 30 days' written notice. Price changes take effect at the start of your next billing cycle after the notice period.
  • Late payment: If payment fails, we will attempt to collect payment for up to 14 days. If payment remains outstanding, we may suspend your access to the Service until the balance is paid. We will notify you before any suspension.
  • Currency: All fees are quoted and payable in Canadian dollars (CAD).

6. Refunds and Cancellation

  • Cancellation: You may cancel your subscription at any time by contacting us at support@risadocs.ca or through your account settings. Cancellation takes effect at the end of the current billing cycle.
  • No partial refunds: We do not provide refunds for partial billing periods. You will retain access to the Service until the end of your current paid period.
  • Annual plans: If you cancel an annual subscription before the end of the annual term, you will retain access for the remainder of the paid term. No pro-rated refund will be issued.
  • Data export: Upon cancellation, you may request an export of your data in a standard format. We will provide your data within 30 days of the request. After 30 days following the end of your subscription, your data will be deleted, subject to legal retention requirements (see Section 12).

7. Acceptable Use

Your use of the Service is subject to our Acceptable Use Policy, which is incorporated into these Terms by reference. Violation of the Acceptable Use Policy may result in suspension or termination of your account.

8. Data Ownership and Intellectual Property

Your data: You retain full ownership of all documents, data, and content you upload to the Service ("Customer Data"). We do not claim any intellectual property rights over your Customer Data. We use your Customer Data solely to provide the Service as described in our Privacy Policy.

Our platform: RISA Capital Inc. retains all rights, title, and interest in the Service, including its software, design, trademarks, and documentation. Nothing in these Terms grants you any right to use our trademarks, logos, or branding without our prior written consent.

Feedback: If you provide us with suggestions, ideas, or feedback about the Service, you grant us a non-exclusive, royalty-free, perpetual, irrevocable license to use that feedback for any purpose without obligation to you.

9. Third-Party Integrations

The Service integrates with third-party providers (accounting software, email services, cloud storage) at your direction. Your use of these integrations is subject to the respective provider's terms of service and privacy policy. We are not responsible for the availability, accuracy, or conduct of third-party services. You authorize us to access your third-party accounts solely to provide the Service features you have enabled.

10. Service Availability

We strive to maintain high availability but do not guarantee uninterrupted or error-free access to the Service. The Service may be temporarily unavailable due to:

  • Scheduled maintenance (we will make reasonable efforts to provide advance notice)
  • Urgent security patches or critical updates
  • Infrastructure failures, network outages, or circumstances beyond our reasonable control

We do not offer a formal Service Level Agreement (SLA) at this time. If we introduce one in the future, it will be communicated to you in writing.

11. Limitation of Liability

To the maximum extent permitted by the laws of Ontario and Canada:

  • The Service is provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
  • AI accuracy: We do not warrant that OCR results, AI-generated categorizations, expense account assignments, or automated bookkeeping entries will be accurate or error-free. These outputs are assistive tools only. You bear sole responsibility for reviewing all automated outputs before filing with the CRA, making financial decisions, or relying on them for any purpose.
  • We shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Service, including but not limited to lost profits, lost data, business interruption, or CRA penalties resulting from reliance on automated outputs.
  • Our total aggregate liability for any and all claims arising from or related to these Terms or the Service shall not exceed the total fees you actually paid to us in the 90 days immediately preceding the event giving rise to the claim.
  • The limitations in this section apply regardless of the form of action, whether in contract, tort (including negligence), strict liability, or otherwise, even if we have been advised of the possibility of such damages.

12. Termination

  • By you: You may close your account at any time by contacting us at support@risadocs.ca. See Section 6 for details on refunds and data export.
  • By us (for cause): We may suspend or terminate your account immediately if you violate these Terms, the Acceptable Use Policy, or applicable law. We will provide notice where reasonably practicable.
  • By us (non-payment): If your subscription payment is overdue by more than 14 days, we may suspend your access. If payment remains outstanding for 30 days, we may terminate your account after providing written notice.
  • Effect of termination: Upon termination, your right to access the Service ceases immediately. You may request a data export within 30 days of termination. After 30 days, your data will be permanently deleted, except where retention is required by law (e.g., CRA 7-year record-keeping requirement for documents processed during the retention period).
  • Survival: Sections 8 (Data Ownership), 11 (Limitation of Liability), 13 (Indemnification), and 14 (Governing Law) survive termination.

13. Indemnification

You agree to indemnify, defend, and hold harmless RISA Capital Inc. and its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from:

  • Your use of the Service
  • Your violation of these Terms or the Acceptable Use Policy
  • Your violation of any applicable law or regulation
  • Your violation of any third-party rights
  • Any Customer Data you upload to the Service

14. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

In the event of any dispute arising from these Terms or the Service, the parties agree to first attempt resolution through good-faith negotiation for a period of 30 days. If the dispute is not resolved through negotiation, either party may pursue resolution through the courts of the Province of Ontario, Canada, which shall have exclusive jurisdiction.

Nothing in this section prevents either party from seeking injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights or confidential information.

15. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated to you via email or through the platform dashboard at least 30 days before they take effect. The version number and date at the top of this page will be updated accordingly. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms. If you do not agree with the changes, you may cancel your account before the changes take effect.

16. General Provisions

  • Entire agreement: These Terms, together with the Privacy Policy and Acceptable Use Policy, constitute the entire agreement between you and RISA Capital Inc. regarding the Service.
  • Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
  • Waiver: Our failure to enforce any provision of these Terms does not constitute a waiver of that provision.
  • Assignment: You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations under these Terms in connection with a merger, acquisition, or sale of all or substantially all of our assets.
  • Notices: We may send notices to the email address associated with your account. You may send notices to us at legal@risadocs.ca.

17. Contact

For questions about these Terms:
RISA Capital Inc.
Email: support@risadocs.ca
Website: risadocs.ca

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