Terms of Service (服務條款)

Address: 台北市中山區南京東路三段210號九樓
Governing Law / Venue: Taiwan (R.O.C.), Taipei

1. Acceptance of Terms (同意條款)

By creating an account, accessing, or using ChaChing San (the "Service"), you ("Customer", "you") agree to be bound by these Terms of Service ("Terms"). If you use the Service on behalf of an organization, you represent that you have authority to bind that organization, and "you" includes that organization.

2. Definitions (定義)

• "Account": a registered account for an individual or organization.
• "Authorized Users": employees, contractors, and other users invited by Customer.
• "Customer Content": receipts/invoices images, expense claims, metadata, reimbursement status, bank account details, and any other data uploaded, submitted, or generated through the Service.
• "AI Features": invoice recognition, field extraction, categorization, anomaly detection, and other machine-learning/LLM-driven functions.
• "Order Form": any plan selection, in-app purchase flow, enterprise agreement, or written quote.
• "Subprocessors": third parties processing data on our behalf (e.g., infrastructure, payments, AI providers).

3. Eligibility and Account Responsibilities (資格與帳號責任)

• Accurate Information. You must provide accurate registration and organization information and keep it updated.
• Account Security. You are responsible for safeguarding credentials and for all activities under your Account.
• Roles & Permissions. Customer is responsible for setting roles/permissions for Authorized Users, and for all actions taken by Authorized Users.

4. Scope of Service (服務內容)

The Service provides an end-to-end reimbursement workflow, including receipt/invoice upload, AI-assisted extraction, approval routing, status tracking, reporting export (e.g., CSV), and (for certain plans) API integration.

We may update, modify, or discontinue features from time to time. For paid plans, we will use commercially reasonable efforts to avoid materially reducing core functionality during an active subscription term.

5. Free Trial and Plans (免費試用與方案)

• Free Trial. We may offer a free trial (currently marketed as 2 months, subject to change). Trial eligibility and limitations may be determined by us (including limiting trials to one per organization).
• Plans. Plan limits (members, reimbursement volume, reporting, API access) are as described in the Service and/or Order Form at time of purchase.
• Overages / Limits. If you exceed plan limits, we may (a) restrict further use until the next billing cycle, (b) ask you to upgrade, or (c) provide other remedies described in-product.

6. Fees, Billing, Taxes, and No Refunds (費用、付款、稅金與不退費)

• Fees. Fees are charged in advance or as otherwise specified in the Order Form.
• Payment Processing. Payments are processed via TapPay or other providers we designate. We do not store full credit card numbers; the payment provider handles sensitive card data under its own security practices.
• No Refunds. All fees are non-refundable and we do not provide refunds or credits for partial periods, unused capacity, or downgrades, except where required by applicable law.
• Taxes. Fees exclude taxes; you are responsible for taxes, duties, or government charges, except taxes based on our net income.

7. Customer Content and Licenses (內容權利與授權)

• Your Ownership. As between the parties, Customer retains all rights to Customer Content.
• License to Operate the Service. You grant us a worldwide, non-exclusive license to host, store, transmit, process, reproduce, and display Customer Content only as necessary to provide, secure, and improve the Service.
• AI Training and Improvement (核心條款). You acknowledge and agree that we may use Customer Content (including receipt/invoice images and extracted fields) to:
  • develop, train, evaluate, and improve our AI Features and related models; and
  • create derived data, embeddings, or model artifacts.
  We will use reasonable technical and organizational measures to reduce the risk of exposing personal identifiers in model outputs, but you understand that model improvement inherently involves processing content at scale.
• Derived Works. We own all rights in (a) the Service, (b) our models and AI systems, and (c) aggregated/de-identified analytics and derived learnings (to the extent not identifying Customer or individuals).

8. Acceptable Use (可接受使用)

You agree not to:

• upload content you do not have rights to use or that violates law;
• attempt to reverse engineer or extract source code/models except as permitted by law;
• use the Service to process unlawful, fraudulent, or infringing claims;
• interfere with or disrupt the Service (including attempting to bypass limits);
• upload malware or attempt unauthorized access.

We may suspend or terminate access for suspected abuse, security threats, or legal compliance.

9. Third-Party Services and Subprocessors (第三方服務)

The Service relies on third parties such as:

• Cloudflare (security, performance, storage/infrastructure)
• TapPay (payment processing)
• AI providers (e.g., OpenAI GPT and Anthropic Claude) for AI Features. OpenAI states that data sent to the OpenAI API is not used to train OpenAI models unless the customer opts in, but your data may still be processed by such providers to deliver outputs.

Third-party services are subject to their own terms and policies. We are not responsible for third-party services outside our control.

10. Confidentiality (保密)

Each party may receive confidential information from the other. The receiving party will use reasonable care to protect it and use it only to perform under these Terms. Confidentiality does not apply to information that is public, independently developed, or lawfully obtained without restriction.

11. Security and Backups (資安與備份)

We use reasonable administrative, technical, and physical safeguards designed to protect Customer Content. However, no system is 100% secure. You are responsible for maintaining your own backups of critical data exported from the Service if needed.

12. Data Deletion and Account Termination (刪除與終止)

• Customer-Initiated Deletion. You may delete your Account in-product. Upon deletion, we will delete or de-identify Customer Content within a commercially reasonable period, unless retention is required for legal, accounting, fraud-prevention, dispute resolution, or backup integrity purposes.
• Suspension/Termination by Us. We may suspend/terminate access if you materially breach these Terms, fail to pay fees, or if continued service would create legal/security risk.
• Effect of Termination. Your right to use the Service ceases. No refunds will be issued.

13. Intellectual Property (智慧財產權)

We retain all rights to the Service, software, designs, trademarks, and documentation. You may not use our branding without prior written permission.

14. Disclaimers (免責聲明)

The Service is provided "as is" and "as available." To the maximum extent permitted by law, we disclaim all warranties, including merchantability, fitness for a particular purpose, and non-infringement. AI Features may produce errors; you are responsible for reviewing outputs before relying on them.

15. Limitation of Liability (責任限制)

To the maximum extent permitted by law:

• We are not liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenues, data, or goodwill.
• Our total liability arising out of or relating to the Service will not exceed the fees paid by Customer to us for the Service in the 12 months preceding the event giving rise to the claim.

Some jurisdictions do not allow certain limitations; in that case, limitations apply to the fullest extent permitted.

16. Indemnification (賠償)

Customer will defend and indemnify us against third-party claims arising from (a) Customer Content, (b) Customer's or Authorized Users' use of the Service in violation of law or these Terms, or (c) alleged infringement caused by Customer Content.

17. Changes to Terms (條款變更)

We may update these Terms by posting a revised version and updating the Effective Date. Material changes will be notified through the Service or email. Continued use after the effective date constitutes acceptance.

18. Governing Law and Dispute Resolution (準據法與管轄)

These Terms are governed by the laws of Taiwan (R.O.C.). The parties agree that the Taipei District Court (台灣台北地方法院) has exclusive jurisdiction as the court of first instance, unless mandatory law provides otherwise.

19. Contact (聯絡方式)

Questions about these Terms: hello@meetnuva.com