Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the Morgan AI mobile applications, website, and related services (collectively, the “Service”). Please read them carefully. By creating an account, downloading the app, or using the Service, you agree to these Terms and to our Privacy Policy, which is incorporated by reference.

1. Agreement and acceptance

These Terms constitute a legally binding agreement between you and Morgan AI, Inc. (“Morgan AI,” “we,” “us,” or “our”). If you use the Service on behalf of a business, you represent that you have authority to bind that business to these Terms, and “you” includes that business and anyone you authorize to use your account.

If you do not agree to these Terms, do not use the Service. We may update these Terms from time to time. If we make material changes, we will notify you by email, in-app notice, or by posting an updated version on this page. Your continued use of the Service after the effective date of revised Terms constitutes acceptance. If you do not agree to the revised Terms, you must stop using the Service and may cancel your account.

2. Eligibility and account registration

To use the Service, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding contract
• Provide accurate, current, and complete registration information and keep it up to date
• Use the Service only for lawful business purposes in Canada, the United States, or other supported regions

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Notify us immediately at hello@trymorgan.ai if you suspect unauthorized access. We may refuse, suspend, or terminate accounts that provide false information or violate these Terms.

3. Description of the Service

Morgan AI provides software for solo and small service businesses to accept payments, send invoices, record income and expenses, manage customer information, and generate financial reports. Features may include Tap to Pay on iPhone, payment links, cash and e-transfer recording, receipt scanning, and business insights.

Morgan AI is a software platform. We are not a bank, money transmitter, payment card network, or merchant of record for payments you accept from your customers. Card payment processing is provided by Stripe, Inc. and its affiliates (“Stripe”). When you enable payment features, you also agree to the Stripe Connected Account Agreement, the Stripe Services Agreement, and Stripe's applicable policies, which may be updated by Stripe from time to time.

We may modify, suspend, or discontinue any part of the Service at any time. We will provide reasonable notice of material changes when practicable. The Service may be unavailable from time to time for maintenance, updates, or circumstances beyond our control.

4. Third-party services

The Service integrates with and relies on third-party services, including:

We are not responsible for third-party services we do not control. Your use of those services is at your own risk and subject to their terms.

5. Acceptable use

You agree not to, and not to allow others to:

• Use the Service for any unlawful purpose or in violation of applicable laws or regulations
• Accept payment for illegal goods or services, or for businesses or activities prohibited by Stripe, card networks, or applicable law
• Misrepresent your identity, business, products, or services
• Process payments on behalf of another person or business without authorization
• Engage in fraud, money laundering, terrorist financing, or other financial crime
• Circumvent fees, limits, security controls, or identity verification requirements
• Reverse-engineer, decompile, scrape, or attempt to extract source code or data from the Service except as permitted by law
• Interfere with or disrupt the Service, servers, or networks connected to the Service
• Upload malware, spam, or content that is unlawful, harmful, defamatory, or infringing
• Use the Service to send unsolicited marketing messages in violation of anti-spam laws
• Use the Service in sanctioned countries or for sanctioned persons or entities
• Resell, sublicense, or make the Service available to third parties except as expressly permitted

We and Stripe may restrict certain business categories. Stripe's restricted businesses list applies to payment processing through the Service. We may investigate suspected violations and cooperate with law enforcement or payment partners where permitted by law.

6. Payment processing terms

When you accept card payments through the Service, you are the merchant of record for those transactions. You are solely responsible for your sales, refunds, customer service, taxes, chargebacks, and compliance with laws applicable to your business.

7. Subscriptions and billing

Morgan AI offers a free plan and a paid Pro plan. Pro is billed monthly at the price shown in the app or on our pricing page. Subscription fees are charged in advance at the start of each billing period.

New Pro subscribers may receive a 14-day free trial. Unless you cancel before the trial ends, your subscription will automatically convert to a paid plan and you will be charged at the then-current rate. Trial eligibility and terms may vary by platform or promotion.

If you subscribe through the Apple App Store or Google Play, your subscription is managed by Apple or Google. Billing, renewal, cancellation, and refund requests for those purchases are handled under their policies. Deleting your Morgan AI account does not automatically cancel an App Store or Google Play subscription; you must cancel through your device subscription settings.

We may change subscription prices with reasonable advance notice. Price changes apply to the next billing cycle after notice. If you do not agree to a price change, cancel before the change takes effect.

Subscription fees are non-refundable except where required by law or the applicable app store policy. If you cancel Pro, you retain access through the end of the current billing period. We do not provide partial-period refunds.

8. Your content and customer data

You retain ownership of the business data you create in the Service, including invoices, customer records, expenses, and financial records. You grant Morgan AI a worldwide, non-exclusive license to host, store, process, display, and transmit your content solely to provide, maintain, improve, and secure the Service and as otherwise described in our Privacy Policy.

You are solely responsible for the content you upload and for communications you send to your customers through the Service, including invoices, payment requests, and reminders. You represent that you have the rights and consents needed to collect, use, and share customer information you enter into the Service.

You are responsible for the accuracy of your business records, tax filings, and financial reporting. Morgan AI provides tools to help you track finances but is not an accounting, tax, or legal advisory service. Reports and summaries are provided for convenience and may contain errors; verify important records independently.

We may remove content or suspend features if we reasonably believe it violates these Terms, infringes third-party rights, poses security or legal risk, or is otherwise objectionable.

9. Intellectual property

The Service, including its software, design, branding, documentation, and underlying technology, is owned by Morgan AI or its licensors and protected by intellectual property laws. Except for the limited rights expressly granted in these Terms, no rights are transferred to you.

We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your internal business purposes in accordance with these Terms. You may not copy, modify, distribute, sell, or lease any part of the Service except as permitted by law.

If you provide feedback, suggestions, or ideas about the Service, you grant us a perpetual, irrevocable, royalty-free license to use them without restriction or compensation.

10. Communications

By using the Service, you consent to receive communications from us electronically, including account notices, security alerts, billing messages, product updates, and support responses. We may send these by email, push notification, SMS where enabled, or in-app message.

You may opt out of non-essential marketing emails using the unsubscribe link in those messages. Opting out of service-related communications may affect your ability to use certain features.

If you use features that send messages to your customers, you are responsible for obtaining required consents and complying with applicable messaging, privacy, and anti-spam laws.

11. Privacy

Our collection and use of personal information is described in our Privacy Policy. When you enter personal information about your customers into the Service, you are responsible for providing any required notices and obtaining any required consents from those individuals.

12. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, MORGAN AI DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL COMPONENTS, OR THAT PAYMENT PROCESSING, PAYOUTS, REPORTS, OR DATA WILL BE ACCURATE OR COMPLETE. NO ADVICE OR INFORMATION FROM US CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

13. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MORGAN AI AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, DATA, GOODWILL, BUSINESS, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO MORGAN AI FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED CANADIAN DOLLARS (CAD $100).

We are not liable for actions, outages, delays, holds, chargebacks, or decisions made by Stripe, Apple, Google, card networks, banks, or other third parties. Some jurisdictions do not allow certain limitations of liability, so some of the above may not apply to you.

14. Indemnification

You will defend, indemnify, and hold harmless Morgan AI and its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Service; (b) your business, products, or services; (c) your content or customer communications; (d) your violation of these Terms or applicable law; (e) payment disputes, refunds, or chargebacks involving your transactions; or (f) any dispute between you and your customers.

15. Suspension and termination

You may terminate your account at any time from within the app or by contacting hello@trymorgan.ai. Cancel any active Pro subscription before deleting your account if you subscribed through the App Store or Google Play.

We may suspend or terminate your access to the Service, including payment features, immediately if we reasonably believe you violated these Terms, pose a security or legal risk, have excessive chargebacks, are engaged in fraud, or if required by law, Stripe, Apple, Google, or a card network. We will provide notice where reasonably practicable.

Upon termination, your right to use the Service ends immediately. You may export your data from within the app before termination. Unless we are required to retain data for legal, regulatory, or payment-processing reasons, we will delete your account data within 30 days after termination. Sections that by their nature should survive termination will survive, including payment obligations, intellectual property, disclaimers, limitations of liability, indemnification, and dispute resolution.

16. Dispute resolution

Before filing a claim, contact us at hello@trymorgan.ai and allow 30 days for us to try to resolve the issue informally.

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law principles. Except where prohibited by applicable consumer protection law, you agree that any dispute arising out of or relating to these Terms or the Service will be brought exclusively in the courts located in Ontario, Canada, and you consent to their jurisdiction.

If you are a consumer, you may have rights under mandatory local laws that cannot be waived by contract. Nothing in these Terms limits those non-waivable rights.

17. General terms

18. Apple App Store terms

If you downloaded the Morgan AI iOS app from the Apple App Store, you acknowledge that these Terms are between you and Morgan AI only, not Apple Inc. Apple is not responsible for the Service or its content. Apple has no obligation to provide maintenance or support for the app.

To the maximum extent permitted by applicable law, Apple has no warranty obligation with respect to the app. Apple is not responsible for addressing any claims relating to the app or your use of it, including product liability, legal compliance, or intellectual property claims. Apple and its subsidiaries are third-party beneficiaries of this section and may enforce it against you.

19. Contact

Questions about these Terms? Email hello@trymorgan.ai. We read every message.