Terms of Service

Ordino Technologies Inc. | Effective July 1, 2026

1. Eligibility

• You must be 18 years of age or older to use the Service.
• At Phase 1 launch, the Service is available to residents of Canada only, excluding Quebec, Manitoba, and Saskatchewan.
• By creating an account, you confirm that you meet these requirements.

2. Ordino Is Not a Financial Advisor

IMPORTANT — Please Read

Ordino is not a registered financial adviser, investment dealer, financial planner, or securities dealer under any Canadian federal or provincial law, including applicable provincial securities legislation.

Ordino is also not: a bank, trust company, credit union, or other deposit-taking financial institution within the meaning of the Bank Act (Canada) or any provincial legislation; a consumer reporting agency under applicable provincial consumer reporting legislation; a mortgage brokerage or mortgage administrator; a registered portfolio manager; a credit counsellor or debt management service; a debt settlement company; a credit repair organization; or a loan servicer. Ordino provides financial data aggregation and personal budgeting tools only.

Nothing in the Service — including outputs generated by the Vero AI assistant, transaction categorizations, budget analyses, spending summaries, savings projections, or any other feature — constitutes financial advice, investment advice, tax advice, legal advice, or any other professional advice.

Ordino does not create a fiduciary, advisory, or professional relationship with you. You are solely responsible for all financial decisions you make. Consult a qualified financial professional before making any financial decision.

3. Vero AI Assistant

Vero is not a financial advisor. Nothing Vero says is financial advice. Vero may make mistakes — always verify.

Vero is Ordino's AI-powered financial data guide. Before you first use Vero, you will be shown a disclosure screen in the app. By tapping "Start chatting with Vero" on that screen, you acknowledge and agree to all of the following:

• Vero is powered by Amazon Web Services Bedrock (Claude AI models). Vero's responses are generated by artificial intelligence, not a human financial professional.
• Vero has read-only access to your transactions, spending summaries, budget status, account balances, savings, recurring expenses, and income summary. Vero cannot move money, create transactions, or modify your data.
• Vero may produce incorrect, incomplete, or outdated information. AI-generated financial data is not guaranteed to be accurate. Always verify important financial information with your financial institution directly.
• Ordino does not make any fully automated decisions — including AI decisions without human review — that produce legal or significant financial effects on your account. Transaction categorization suggestions are user-overridable.
• Vero is designed to not recommend specific investments, securities, funds, crypto, or financial products, and is not designed to give tax, legal, insurance, or debt advice. If you ask Vero for advice, it is designed to redirect you to relevant factual data and suggest you speak with a licensed financial professional. However, like all AI systems, Vero may not always perform as intended. You should never rely on any Vero output as professional advice, regardless of how it is presented.
• Your Vero conversations are stored in your account and are permanently deleted when you delete your account. Your conversations with Vero are not routinely reviewed by Ordino staff. Designated personnel may review conversations only when flagged by automated safety systems, when required to respond to a support request you initiate, or when necessary to investigate a violation of these Terms.
• When you use Vero, your financial data context is sent to AWS servers in the United States for AI inference processing. AWS does not retain or train on this data. See our Privacy Policy Section 5 for the full cross-border processing disclosure.
• Do not type passwords, Social Insurance Numbers (SIN), full credit card numbers, government-issued ID numbers, or any other sensitive credentials or personal identification information into the Vero chat. Vero does not need this information — it already has secure read-only access to your relevant financial data through the Ordino platform.
• Vero's responses are for your personal financial management use only. You may not publicly publish, broadcast, or systematically redistribute Vero's outputs, nor use them to mislead any other person.
• Ordino does not use your Vero conversation data, your financial data, or your personal information to train, fine-tune, benchmark, or otherwise improve any AI or machine learning model. Your data is used solely to generate responses to your queries in real time.
• Intellectual property in AI-generated outputs: Under current Canadian law, AI-generated content does not attract copyright protection in the same manner as human-authored works. Ordino does not assert copyright ownership over Vero's responses. Vero's outputs are for your personal financial management reference only and may not be distributed as original creative or analytical works. If you believe a Vero response reproduces third-party copyrighted content, notify us at support@ordino.ca with "Copyright Complaint" in the subject line.

4. Your Account

• Provide accurate and complete information when creating your account.
• You are responsible for maintaining the confidentiality of your password and for all activity under your account.
• Notify us immediately at support@ordino.ca if you suspect unauthorized access.
• You may not transfer your account to another person.

5. Subscriptions and Billing

5.1 Subscription Tiers

6. Bank Account Linking (Plaid)

By linking a bank account through the Plaid interface, you expressly authorize and direct Ordino, acting as your limited agent, to electronically retrieve your account and transaction data from your financial institution via Plaid Technologies Canada Ltd. ("Plaid"). For this limited purpose only, you grant Ordino the power and authority to access your financial institution data as fully as you could in person, solely to retrieve and display that data within the Service.

You agree to Plaid's End User Privacy Policy (plaid.com/legal). Ordino and Plaid have read-only access to your data — neither can initiate, modify, or cancel transactions on your behalf.

Your banking credentials are entered directly into Plaid's interface and are never transmitted to or stored by Ordino.

You represent and warrant that you have the full legal right and authority to link any financial account you connect through the Service. You may only link accounts for which you are the account holder or have been duly authorized by the account holder.

7. Commercial Electronic Messages

Transactional Messages (always sent — no consent needed)

Email verification codes, 2FA codes, password resets, billing receipts, security alerts, and account closure confirmations. These are exempt from CASL's consent requirements.

Commercial Messages (require your express consent)

Product updates, feature announcements, and promotional content. You consent to these at signup via a separate opt-in checkbox. You can unsubscribe at any time using the link in any commercial email or via Settings > Notification Preferences. Unsubscribes are honoured within 10 business days. Every commercial email includes Ordino's legal name, physical address, and an unsubscribe link.

8. Acceptable Use

You may use the Service only for lawful personal, non-commercial purposes. You may not:

• Use the Service to commit fraud or any illegal act.
• Attempt to reverse-engineer or decompile the Service.
• Scrape, harvest, or automatically extract data from the Service.
• Attempt to interfere with the security or integrity of the Service.
• Use the Service on behalf of any third party without our written permission.
• Use the Service, the Vero AI assistant, or any outputs generated by Vero to develop, train, benchmark, or improve any artificial intelligence or machine learning model, product, or service — including any product or service that is competitive with Ordino.
• Use or access the Service to develop, assist, or benefit any product or service that competes with Ordino — including by exporting, benchmarking, or systematically gathering Ordino's features, pricing, data structures, or outputs for competitive intelligence purposes.
• Upload receipt photos or other User Content that contains illegal content, graphic violence, sexually explicit material, obscene or defamatory material, child sexual abuse material (CSAM), or content that is otherwise objectionable or that violates any applicable law or any third-party rights. Ordino reserves the right to remove any such content without notice and to suspend or terminate your account.
• Submit false, misleading, or adversarial inputs to the Vero AI assistant — including prompt injection attempts — in an effort to generate harmful or inaccurate outputs or circumvent Ordino's content policies.
• Engage in AI model extraction, model inversion, membership inference, or model stealing attacks, or otherwise attempt to extract, reverse-engineer, or exfiltrate the parameters, weights, or architecture of any AI model or component of the Service.
• Introduce, upload, or transmit any virus, Trojan horse, worm, ransomware, logic bomb, or other malicious, disruptive, or technologically harmful software or code into the Service or our systems.
• Attack or attempt to disrupt the Service through a denial-of-service attack, distributed denial-of-service attack, flooding, or any similar method that degrades the availability or performance of the Service.
• Impersonate Ordino, any Ordino employee, another user of the Service, or any other person or entity in any communication or activity in connection with the Service.
• Send or transmit unsolicited commercial messages, spam, junk mail, or other unauthorized mass communications through or in connection with the Service.
• Engage in abusive, harassing, threatening, discriminatory, or offensive conduct toward Ordino's employees, contractors, agents, or support staff through any communication channel.
• Use the Service to create, upload, distribute, or promote content that incites or glorifies violence, hatred, or discrimination against any person or group based on any protected characteristic.
• Use the Service to create, distribute, or promote content that encourages, glorifies, or facilitates self-harm, suicide, or eating disorders.

9. Intellectual Property

Subject to your compliance with these Terms, Ordino grants you a limited, personal, non-exclusive, non-transferable, revocable licence to access and use the Service for your personal, non-commercial purposes. All content, features, software, trademarks, and trade dress of the Service are the exclusive property of Ordino Technologies Inc. or its licensors. Nothing in these Terms grants you any ownership rights in the Service.

10. Feedback and User Content

Feedback

If you send us ideas, suggestions, or other feedback about the Service ("Feedback"), you assign all rights, title, and interest in that Feedback to Ordino. To the extent any assignment is ineffective, you grant Ordino a non-exclusive, perpetual, irrevocable, royalty-free, worldwide licence to use, reproduce, modify, and exploit the Feedback for any purpose, without restriction or compensation.

User Content (Receipt Photos)

When you upload receipt photos or other files to the Service ("User Content"), you grant Ordino a limited, non-exclusive, royalty-free licence to store, display, process, and otherwise use that User Content solely to provide the Service to you. You retain all ownership rights in your User Content. You represent and warrant that: (a) you have all rights necessary to upload and licence such User Content; and (b) your User Content does not infringe any third-party intellectual property rights, privacy rights, or any applicable law. Your User Content is private to your account and is not visible to other users.

Copyright Complaints

If you believe that content available through the Service infringes your copyright, please send a written notice to support@ordino.ca with "Copyright Complaint" in the subject line. Your notice must include: (a) identification of the copyrighted work you claim has been infringed; (b) identification of the allegedly infringing material; (c) your name, email address, and mailing address; and (d) a statement that you have a good-faith belief that the use of the material is not authorized. Ordino will investigate all valid notices received and, where appropriate, will remove or restrict access to the allegedly infringing material.

Copyright Counter-Notifications

If you believe that content you uploaded was removed as a result of a copyright complaint made in error, you may send a written counter-notification to support@ordino.ca with "Copyright Counter-Notification" in the subject line. Your counter-notification must include: (a) your full legal name, email address, and mailing address; (b) identification of the material that was removed; (c) a statement under penalty of perjury that you have a good-faith belief that the material was removed as a result of mistake or misidentification; and (d) a statement that you consent to the jurisdiction of the courts of the Province of Ontario. Ordino will review all counter-notifications received in good faith.

11. Third-Party Links and Third-Party Disputes

The Service may contain links to third-party websites or services not owned or controlled by Ordino. We have no control over, and assume no responsibility for, any third-party website. Any dispute between you and a third party — including your bank, Plaid Technologies Canada Ltd., Stripe, Inc., RevenueCat, Inc., Apple Inc., Google LLC, or any other third-party service — is solely between you and that third party. To the fullest extent permitted by applicable law, you release Ordino and its officers, directors, employees, and agents from all claims arising out of any such dispute.

12. Service Modifications and Availability

Ordino may modify, suspend, or discontinue any feature or portion of the Service at any time. We will provide reasonable advance notice of material changes that would adversely affect your use of the Service. Ordino is not liable to you or any third party for any modification, suspension, or discontinuation of the Service.

13. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. ORDINO DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT DATA DISPLAYED IS ACCURATE OR CURRENT AT ALL TIMES.

To the extent that any jurisdiction prohibits the exclusion of implied warranties or the limitation of liability for consumer transactions, the disclaimers and limitations in this section apply only to the maximum extent permitted by the applicable law of that jurisdiction.

Transaction data displayed in the Service depends on data provided by Plaid from your financial institutions. Ordino is not responsible for the accuracy, completeness, or timeliness of data provided by Plaid or your financial institution.

Not for Financial Statements or Tax Filings: Transaction data and financial information displayed in the Service is not warranted to be error-free or suitable for use in audited financial statements, regulatory filings, or tax returns. The Service is not designed for accounting, tax preparation, or regulatory reporting purposes.

Past Performance: Financial data, spending trends, and savings insights reflect past activity only. Past performance does not guarantee or predict future results. You should not rely on historical financial trends as predictions of future financial outcomes.

You acknowledge that you have independently investigated the suitability of using the Service for your personal financial management needs and that you are not relying on any warranty, guarantee, or representation by Ordino other than those expressly stated in these Terms.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ORDINO, ITS DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE. ORDINO'S MAXIMUM AGGREGATE LIABILITY FOR ANY CLAIM ARISING FROM THESE TERMS SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL SUBSCRIPTION FEES YOU PAID TO ORDINO IN THE 12 MONTHS BEFORE THE CLAIM; OR (B) CAD $100.

Some provinces do not allow certain warranty exclusions or liability limitations, so the above may not fully apply to you.

Ordino's service providers — including Amazon Web Services, Inc. (AWS), Plaid Technologies Canada Ltd., Stripe, Inc., and RevenueCat, Inc. — are intended third-party beneficiaries of the warranty disclaimers in Section 13 and the limitations on liability in this Section 14, to the extent those providers supply services used to operate the Ordino platform. Those providers may enforce those provisions directly against you.

15. Indemnification

You agree to indemnify and hold harmless Ordino, its officers, directors, employees, and agents from any claims, liabilities, damages, and expenses (including reasonable legal fees) arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your infringement of any third-party rights; or (d) any content you upload to the Service, including receipt photos and any other User Content.

16. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Province of Ontario and the applicable federal laws of Canada, without regard to conflict of laws principles.

If you have a dispute with Ordino, please contact us first at support@ordino.ca. We will attempt to resolve it informally within 30 days. If informal resolution fails, both parties agree to submit to the exclusive jurisdiction of the courts of the Province of Ontario. Ordino does not include mandatory arbitration clauses or class action waivers in its consumer agreements. Nothing in these Terms limits your right to participate in a class action proceeding or to bring claims in the courts of your province of residence.

17. Termination

You may close your account at any time through Settings > Account > Delete Account. Ordino may suspend or terminate your account without prior notice for breach of these Terms. Upon termination, your data handling follows the process described in our Privacy Policy Section 8.

Non-Fault Termination: If Ordino decides to terminate your account for reasons other than your breach (for example, by discontinuing the Service), Ordino will provide you with at least 30 days' prior written notice. This notice period does not apply where immediate suspension or termination is required to protect the security or integrity of the Service or to comply with applicable law.

Cooperation with Law Enforcement: Ordino reserves the right to investigate any violation or suspected violation of these Terms and to refer any matter involving suspected illegal conduct to applicable law enforcement authorities. Ordino reserves the right to fully cooperate with any law enforcement authority or court order directing us to disclose the identity or other information of any user.

18. Changes to These Terms

We will notify you of material changes by email or in-app notification at least 30 days before they take effect. Your continued use of the Service after the effective date constitutes acceptance. If you do not agree with changes, you may close your account.

You are responsible for maintaining a current, valid email address on file with Ordino. If a notification fails to reach you because of an outdated or inactive email address, you remain legally bound by any updated Terms once the applicable notice period has elapsed.

19. Entire Agreement

These Terms and our Privacy Policy constitute the entire agreement between you and Ordino regarding the Service and supersede all prior agreements.

20. Severability and Waiver

If any provision of these Terms is found to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, that provision will be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. The remaining provisions will continue in full force and effect. No waiver by Ordino of any breach or default under these Terms will constitute a waiver of any subsequent breach or default.

21. Contact

22. Notice Regarding Apple (App Store)

If you downloaded the Ordino app from the Apple App Store, the following terms apply in addition to all other terms in this Agreement. You acknowledge and agree that:

• These Terms are an agreement between you and Ordino Technologies Inc. only — not with Apple Inc. ("Apple"). Apple is not a party to these Terms and is not responsible for the Service or its content.
• Apple has no obligation whatsoever to furnish any maintenance or support services with respect to the Service.
• In the event of any failure of the Service to conform to any applicable warranty, you may notify Apple and Apple will refund the applicable purchase price to you. To the maximum extent permitted by applicable law, Apple has no other warranty obligation with respect to the Service.
• Apple is not responsible for addressing any claims by you or any third party relating to the Service or your possession and/or use of the Service, including: (i) product liability claims; (ii) any claim that the Service fails to conform to any applicable legal or regulatory requirement; or (iii) claims arising under consumer protection or similar legislation.
• In the event of any third-party claim that the Service or your possession and use of the Service infringes that third party's intellectual property rights, Ordino Technologies Inc., not Apple, is solely responsible.
• Apple and Apple's subsidiaries are third-party beneficiaries of these Terms. Upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary thereof.

23. Notice Regarding Google (Google Play)

If you downloaded the Ordino app from the Google Play Store, the Google Play Terms of Service apply to your use of the Google Play distribution channel. Ordino Technologies Inc., not Google LLC or its affiliates, is solely responsible for the Service and its content. All product liability claims, warranty claims, and third-party intellectual property claims relating to the Service are governed by these Terms between you and Ordino, not Google.

24–30. Additional Terms