Terms of Service

These Terms apply to:

• The Ratio website, onboarding flow, and account dashboard.
• The Ratio workspace and financial modules.
• AI outputs, reports, summaries, and related collaboration features.
• Connected integrations and billing-related product flows.

Definitions:

• “Ratio” means the product and related services provided to you.
• “Customer” means you, whether acting as an individual, a business, or an authorised representative.
• “Authorised user” means a user you permit to access your workspace.
• “Customer Data” means data you upload, manually input, connect, or generate in or via Ratio.
• “Integration” means any connected account, bank, bookkeeping tool, or import service.
• “AI Output” means insights, recommendations, summaries, or results generated with AI.

“Operator” refers to the legal entity providing Ratio under your order confirmation, invoice, or a separately signed commercial document. If operator details are not visible there, request them before accepting a paid commitment.

Browsing and using public Ratio pages does not by itself create a paid-service contract. Paid-service acceptance is separate from general website use.

A paid-service contract is formed when you:

• Create an account or complete onboarding where Terms acceptance is presented.
• Complete and confirm the checkout flow, where available.
• Sign a separate order form, DPA, statement of work, or purchase agreement.

Where you act on behalf of a business, you confirm you have authority to bind the Customer, including authority over payment and data rights.

If multiple documents apply to the same topic, priority is:

1. Signed order forms or SOWs for your workspace.
2. Signed Data Processing Addendum, where applicable.
3. Specific product terms (for example, a feature addendum).
4. These Terms of Service.
5. The Privacy Policy.

The highest-priority document for your direct commercial relationship controls where it expressly covers the issue.

Some features are only available once an organisation workspace and account are active. You are responsible for your account details and for who can access them.

Admin responsibilities include:

• Keeping account credentials secure and enabling prompt changes after incidents.
• Authorising users and setting workspace roles.
• Reviewing workspace membership and removing users when needed.
• Using account activity notifications to detect misuse.

You remain responsible for your User's activity, except where required by law or a court order to place responsibility elsewhere.

You must not use Ratio to:

• breach law or third-party rights;
• attempt unauthorised access, bypass authentication, or tamper with controls;
• scrape or automate access in ways that disrupt service;
• probe, stress-test, or abuse infrastructure for harm;
• share credentials in a way that materially increases risk;
• submit unlawful, fraudulent, or unlicensed financial data knowingly;
• reverse engineer protected IP in a prohibited or exploitative way.

Reverse engineering for lawful interoperability and permitted testing is not prohibited where legal.

You retain ownership of Customer Data. Ratio gets a limited, revocable, service-bounded licence to host, process, transmit, back up, and secure the data needed to deliver the service.

Customer responsibilities include ensuring you have lawful rights to process and submit the data.

• Ratio does not acquire ownership of Customer Data or source documents.
• We do not require ownership of bookkeeping inputs, balance-sheet files, statements, or uploaded financial records.
• Access can be limited by role and workspace controls you configure.
• We will support export and deletion support requests through workspace tooling and support pathways where technically available.

When you connect an Integration, you confirm you have rights to do so and you are responsible for your connected account authorisations.

As part of a connected workflow:

• Read and write permissions are applied according to the scopes granted.
• Credentials and tokens can be revoked by you at any time.
• You are responsible for checking imported output and correcting source errors.
• Third-party terms may apply to that integration's own service operation.
• Data may be retained for a period required by support, auditing, and billing needs.

AI features can support financial interpretation, recommendations, summaries, and planning tasks, and results may be incomplete or inaccurate.

You own and control your prompts and uploaded materials. You grant Ratio a service licence to process them. AI Outputs are not guaranteed to be complete, legal, tax, accounting, or investment advice and should be reviewed.

• Do not submit unauthorised or prohibited information.
• Use human review before acting on material financial actions.
• Sensitive or confidential third-party data should only be provided where you have rights to do so.
• Your use of AI Output is allowed for business workflows, not as a substitute for professional judgment.

Prices are presented before checkout in AUD and may exclude GST and mandatory taxes depending on your profile.

Standard commercial mechanics include:

• Subscription plans with monthly or annual billing cycles.
• 30-day trial periods where shown.
• One-time purchases where explicitly offered.
• Billing based on the selected workspace and user entitlements.

Failed payment events may suspend or restrict access until issues are resolved.

You can cancel from your active billing controls or by contacting support. Cancellation normally takes effect at period end unless contract terms provide otherwise.

On cancellation:

• Access follows the timing rules in your active subscription term.
• Data export and account-level support remain subject to plan and support availability.
• Past-paid periods remain due unless specific credits or contract terms apply.

Any return-of-charges rule must not remove mandatory rights under Australian law (including rights available to business consumers in scope). Refund handling is documented at checkout and in applicable commercial documents.

Ratio components, interfaces, and platform logic are protected by IP rights. Customers receive a non-exclusive, revocable right to use Ratio while access is active.

This right does not transfer to:

• Frameworks, brand assets, or underlying software code.
• Template libraries or internal documentation not granted to you.
• Model architecture, system prompts, or internal platform internals.

We aim for reliable service but do not guarantee uninterrupted availability. We may modify, suspend, or discontinue features for maintenance, incidents, legal, risk, or product evolution.

Planned critical changes may be noted in product announcements and updates.

To the extent lawful, either party's liability is capped at the greater of AUD 10,000 and fees paid in the preceding 12 months, except where statute mandates a different minimum remedy.

Except as required by law:

• no indirect, consequential, or special damages for lost profits or opportunities;
• no punitive damages; and
• no liability for events outside our reasonable control.

Statutory rights that cannot be excluded remain available under applicable law.

You indemnify Ratio only for losses linked to your wilful misuse, unlawful acts, breach of this agreement, or infringement of third-party rights caused by your team.

Indemnity is excluded for losses caused by:

• gross negligence, fraud, or intentional misconduct.
• failing to comply with legal duties imposed on the Operator.

Either party may terminate where permitted by law or contract.

Operator may suspend or terminate for:

• safety, fraud, or security risk;
• persistent misuse or breach of these Terms;
• unpaid fees;
• illegal use or compliance risk.

Surviving provisions include IP, confidentiality, liability, indemnity, and dispute-related obligations.

These Terms may be updated as the product evolves. Updated versions are posted on this page and in in-app legal surfaces where available.

Substantial updates are usually published with at least reasonable notice.

These Terms are governed by Australian law. Disputes may be brought in courts with competent jurisdiction in the Operator's state or territory and federal courts where applicable.

We will seek to resolve disputes in good faith; unresolved disputes may proceed through legal process consistent with law.

Relevant references include:

• Privacy Policy for privacy, support, and data handling.
• Architecture page for technical commitments.
• your signed commercial documents (DPA or order forms) for specific obligations.