Terms of Use

1. Agreement to Terms

By accessing or using Fidexa, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree with any part of these terms, you must not use our services.

Fidexa provides tools designed to help users track expenses, mileage, and financial data, and to accept payments, for accounting and tax organization purposes.

2. No Professional Financial or Tax Advice

Fidexa provides software tools for organizing financial records, mileage logs, and estimated tax-related information.

Fidexa does NOT provide legal, tax, accounting, or financial advice.

Any tax estimates, deductions, or calculations generated by the app are for informational and illustrative purposes only.

Users are solely responsible for:

• verifying financial records
• ensuring compliance with tax laws
• consulting qualified professionals such as CPAs or tax advisors when necessary

Fidexa is not responsible for:

• tax penalties
• incorrect filings
• audits
• financial losses
• legal consequences

resulting from the use of the app.

3. AI-Assisted Features Disclaimer

Certain features of Fidexa may use artificial intelligence (AI) to assist with:

• transaction categorization
• receipt text extraction
• voice input interpretation
• financial data structuring

AI-generated outputs may not always be accurate.

Users are responsible for reviewing and confirming all AI-generated data before relying on it for financial or tax purposes.

Fidexa makes no guarantees regarding the accuracy, completeness, or reliability of AI-generated results.

4. Financial Data & Plaid Connect

Fidexa uses Plaid Inc. ("Plaid") to securely gather your data from your financial institutions. By using our application to connect your bank, you grant Fidexa and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid End User Privacy Policy.

5. Fidexa Pay

Fidexa Pay lets eligible users in the United States accept card payments in person with Tap to Pay and send invoices that customers pay online by card or US bank account. Fidexa Pay requires an active Premium subscription.

Stripe. Payment processing services for Fidexa Pay are provided by Stripe and are subject to the Stripe Connected Account Agreement, which includes the Stripe Terms of Service (collectively, the "Stripe Services Agreement") (https://stripe.com/legal/connect-account). By using Fidexa Pay, you agree to be bound by the Stripe Services Agreement, as the same may be modified by Stripe from time to time. As a condition of Fidexa enabling payment processing services through Stripe, you agree to provide Fidexa accurate and complete information about you and your business, and you authorize Fidexa to share it and transaction information related to your use of the payment processing services provided by Stripe.

Your funds. Payments are made directly to your own Stripe account. Fidexa does not hold, receive, or transfer your funds and is not a party to transactions between you and your customers. Payouts, refunds, and disputes are managed in your Stripe dashboard.

Fees. Fidexa does not charge a fee for Fidexa Pay. Stripe deducts its processing fees from your payments at Stripe's then-current rates.

Your responsibilities. You are responsible for:

• the goods and services you sell, your prices, refunds, and customer disputes
• determining, collecting, and remitting any sales tax. Fidexa applies only the rate you enter and does not determine your tax obligations
• having your customers' permission to email them invoices and receipts
• complying with Stripe's Restricted Businesses list (https://stripe.com/legal/restricted-businesses) and all applicable laws

Emails on your behalf. Invoices and receipts are sent from a Fidexa email address with replies directed to your email address. Fidexa may limit the number of emails sent.

Automatic bookkeeping. Fidexa records payments, Stripe fees, refunds, and disputes in your books automatically. Review these entries as described in "Data Accuracy."

Tap to Pay. Tap to Pay requires a compatible device and location access while accepting payments, and is subject to Apple's and Google's terms for Tap to Pay.

If Premium ends. Invoices you already sent remain payable and are still recorded, but you cannot create new charges or invoices.

Suspension. Fidexa or Stripe may suspend or end your access to Fidexa Pay, including to comply with law or Stripe's requirements or to prevent fraud. Fidexa does not guarantee that any payment will be approved or that Fidexa Pay will be available without interruption.

6. User Conduct

You agree to use the app only for lawful purposes.

You are prohibited from using Fidexa for:

• fraudulent activities
• tax evasion
• money laundering
• identity theft
• uploading malicious content
• attempting unauthorized system access

We reserve the right to suspend accounts that violate these terms.

7. Accounts & Security

You are responsible for maintaining the confidentiality of your login credentials and device access.

We recommend enabling device-level security features such as:

• Face ID
• Touch ID
• device passcode

You are responsible for all activity conducted under your account.

8. Subscriptions and Billing

Some features of Fidexa may require a paid subscription.

Subscription terms:

• billing occurs in advance on a recurring basis
• subscriptions automatically renew unless canceled at least 24 hours before the end of the current billing period
• payment is processed through the Apple App Store or Google Play billing systems
• pricing may change with prior notice where required by law

Users may manage or cancel subscriptions through their device account settings.

Refunds are handled according to the policies of the respective app store provider.

9. Data Accuracy

Fidexa depends on user-provided information and third-party services.

We do not guarantee that:

• mileage calculations are error-free
• AI interpretations are perfectly accurate
• financial summaries are complete

Users are responsible for reviewing exported reports before submitting financial or tax documents.

10. Service Availability

We aim to provide reliable service but do not guarantee uninterrupted availability.

The app may be temporarily unavailable due to:

• maintenance
• updates
• server issues
• third-party service interruptions

We are not liable for losses caused by downtime.

11. Limitation of Liability

To the maximum extent permitted by law, Fidexa and its developers shall not be liable for:

• indirect damages
• incidental damages
• loss of profits
• loss of financial data
• tax penalties
• audit outcomes
• business interruption

resulting from the use or inability to use the application.

Use of the app is at your own risk.

12. Modifications to the Service

We may update, modify, or discontinue features at any time without prior notice.

We are not liable for any modification, suspension, or discontinuation of the service.

13. Changes to Terms

We may update these Terms from time to time.

Updated versions will be indicated by revising the "Last Updated" date.

Continued use of the app constitutes acceptance of the updated Terms.