TERMS OF SERVICE

1. DESCRIPTION OF SERVICE

'tabMonk' is an organization and productivity platform that helps individuals manage tasks, day-to-day work, and financial records related to their personal or business related activities in one place. You can use it for personal or household organization (for example, home tasks, chores, and to-do lists) and, through separate profiles, keep tabs on business or side-hustle finances such as expenses, income, invoicing, and related tasks. The Service is available to users in Canada and internationally.

The Service provides:

• Task management and reminders, including user-created tasks and to-do items (which you may use for personal, household, or work purposes), as well as automatically generated deadlines related to invoices, quotations, and, where applicable, filing obligations;
• Multiple profiles under one account so you can separate personal or household activity from business or side-hustle activity, subject to your subscription plan;
• Expense tracking with categorized records and optional receipt image storage;
• Income tracking with optional attachment storage;
• Invoice and quotation creation, PDF generation, and email delivery to clients;
• Client and contact management, including storage of contact information you provide;
• A dashboard for each profile summarizing profile information and related activity;
• Subscription management for Free and Pro plans;
• Optional estimated filing-deadline tracking for eligible British Columbia, Canada corporations only (for example, BC Annual Return, T2, GST/HST, and BC PST where applicable). This capability is not offered for any other region or entity type. Email reminders prior to estimated deadline dates and invoice due dates are available to Pro subscribers only.

'tabMonk' is not a tax, legal, accounting, or bookkeeping product. The Service is software for organization, productivity, and record-keeping. Estimated compliance deadline tracking is a narrow, optional capability for eligible registrations and entity types described above. It is not the primary purpose of the Service and is not available for all countries, provinces, or entity types. Features are available subject to your subscription plan and, for compliance tools, to eligibility.

2. NOT PROFESSIONAL ADVICE — CRITICAL DISCLAIMER

2.1 THE SERVICE DOES NOT CONSTITUTE LEGAL, TAX, ACCOUNTING, OR FINANCIAL ADVICE OF ANY KIND. NOTHING IN THE SERVICE OR THESE TERMS SHOULD BE CONSTRUED AS PROFESSIONAL ADVICE.

2.2 'tabMonk' is productivity and organization software. Where enabled, it also computes estimated deadline dates based on general rules and the information you input. It is NOT a substitute for advice from a qualified lawyer, accountant, tax professional, or other regulated professional.

2.3 FILING DEADLINES MAY VARY. Deadlines displayed in the Service are estimates only. Actual deadlines may differ based on your entity's specific circumstances, fiscal year, incorporation or registration type, tax account status, applicable legislation, regulatory changes, and other factors that the Service cannot assess or account for. Grinbuck makes no representation or warranty that any deadline displayed is accurate, complete, or current.

2.4 YOU ARE SOLELY RESPONSIBLE for ensuring you meet all filing obligations required by applicable law. Neither Grinbuck nor the Service assumes any responsibility for missed deadlines, late filing penalties, interest charges, corporate dissolution, or any other consequence arising from your reliance on information provided by the Service.

2.5 CCPC NOTE (CANADA). Where the Service displays T2 corporate income tax payment deadlines, it uses a 2-month rule after fiscal year end. Canadian-Controlled Private Corporations (CCPCs) may qualify for a 3-month payment deadline. The Service cannot determine your CCPC status. You must confirm your applicable deadline with a qualified accountant.

2.6 GST/HST AND BC PST NOTE. Where tax-related deadlines are shown, they are computed based on the reporting period and registration information you provide. Errors in that information will produce incorrect deadline estimates. You are responsible for verifying all deadline and tax information independently with the applicable tax authority.

2.7 USER-ENTERED DATA. The Service provides tools for organizing tasks and recording financial and other information you enter. It does not constitute bookkeeping, accounting, or tax preparation services. You are responsible for the accuracy of all data you enter and, where applicable, for ensuring your records comply with the requirements of applicable tax authorities.

3. ELIGIBILITY AND ACCOUNT REGISTRATION

3.1 You must be at least 18 years of age and have the legal capacity to enter into binding contracts to use the Service.

3.2 The Service is offered to users internationally. You are responsible for ensuring that your use of the Service complies with the laws of your jurisdiction.

3.3 You must register for an account using a valid Google account. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

3.4 You may register and manage multiple profiles under one account (for example, a personal or household profile and one or more business or side-hustle profiles), subject to the limits of your subscription plan.

4. SUBSCRIPTION PLANS AND PAYMENT

4.1 PLANS. The Service is offered on a free plan and one or more paid plans (currently including a Pro plan). Plan capabilities, usage limits, and prices may differ and are described on the pricing or plans pages of the Service. Those published descriptions, as they exist at the time you subscribe or use a plan, govern the features and limits of that plan, except as otherwise required by these Terms.

4.2 PLAN CHANGES. Grinbuck may modify plan features, limits, and availability from time to time. Changes to pricing are governed by Section 4.7. If a change materially reduces the capabilities of a paid plan you are subscribed to, Grinbuck will provide reasonable advance notice, and your remedies are as set out in these Terms (including cancellation under Section 4.6).

4.3 PAYMENT. All payments are processed by Stripe, Inc. By subscribing to the Pro plan, you agree to Stripe's terms of service and authorize Stripe to charge your payment method on a recurring basis according to your selected billing cycle.

4.4 CURRENCY. Pro subscription prices are denominated and charged in Canadian dollars (CAD). The pricing page and Stripe checkout present subscription amounts in CAD. Separately, when you set up a profile you may select (or receive a country-default) currency for recording invoices, quotes, expenses, and income within the Service. That profile currency does not change the currency in which subscription fees are billed.

4.5 AUTOMATIC RENEWAL. Pro subscriptions automatically renew at the end of each billing cycle unless cancelled prior to the renewal date.

4.6 CANCELLATION. You may cancel your Pro subscription at any time through your account. Cancellation takes effect at the end of the current billing period. No refunds are provided for partial billing periods, except as required by applicable law.

4.7 PRICE CHANGES. Grinbuck reserves the right to change subscription prices. You will be notified of price changes at least 30 days in advance. Continued use of the Service after a price change takes effect constitutes acceptance of the new price.

4.8 TAXES. Subscription prices are tax-inclusive. The amount displayed to you in CAD is the amount you pay. If tax is calculated at checkout, it is included in that displayed price rather than added on top. Grinbuck is always paid in Canadian dollars. Grinbuck is not responsible for any currency conversion fees, exchange rates, or related charges applied by your bank, card issuer, or Stripe when your payment method is denominated in a currency other than CAD.

5. CLIENT DATA AND THIRD-PARTY RECIPIENTS

5.1 When you use the Service to send invoices or quotations to your clients, you are instructing 'tabMonk' to send emails on your behalf to the email addresses you provide. You represent and warrant that you have the authority to provide those email addresses and that sending such communications complies with applicable law, including Canada's Anti-Spam Legislation (CASL) and any other anti-spam or electronic marketing laws that apply in your or your recipients' jurisdictions.

5.2 'tabMonk' is not responsible for the accuracy of client contact information you enter, the deliverability of emails to your clients, or any disputes between you and your clients arising from invoices or quotations sent through the Service.

6. ACCEPTABLE USE

6.1 You agree to use the Service only for lawful purposes and in accordance with these Terms.

6.2 You must not:

1. Use the Service in any manner that violates applicable laws or regulations in any jurisdiction that applies to you;
2. Attempt to gain unauthorized access to any part of the Service or its infrastructure;
3. Interfere with or disrupt the integrity or performance of the Service;
4. Reverse engineer, decompile, or disassemble any portion of the Service;
5. Use automated means to access or scrape the Service without Grinbuck's prior written consent;
6. Impersonate any person or entity without authority, or create or use a profile to falsely pretend to be someone you are not; provided that acting on behalf of another person or entity with their authorization is permitted;
7. Use the Service to store or transmit unlawful, defamatory, or fraudulent content, including fraudulent invoices, quotations, or other documents;
8. Use the Service to send unsolicited commercial emails or communications to third parties.

6.3 NO IMPERSONATION OR FRAUDULENT INVOICING. You expressly agree that you will not use 'tabMonk' to impersonate another user, person, business, or organization without authority, or to create or operate a profile under a false identity in order to deceive others. You further agree that you will not use the Service to fraudulently issue, send, or present invoices, quotations, or other communications, or otherwise to deceive recipients about who is issuing those documents. This Section does not prohibit you from managing a profile or sending invoices, quotations, or other communications on behalf of another person or entity when you have their authorization to do so. Violation of this Section 6.3 is grounds for immediate suspension or termination of your account and may be reported to law enforcement or other authorities where appropriate.

7. INTELLECTUAL PROPERTY

7.1 The Service and all content, features, and functionality, including but not limited to all software, text, displays, images, and design, are owned by Grinbuck and are protected by Canadian and international copyright, trademark, and other intellectual property laws.

7.2 These Terms do not grant you any right, title, or interest in the Service or any of Grinbuck's intellectual property. You may access and use the Service solely as permitted by these Terms.

7.3 You retain ownership of all profile information, task data, expense data, income data, invoice data, client data, and other content you input into the Service ("User Data"). By inputting User Data, you grant Grinbuck a limited, non-exclusive licence to use that data solely for the purpose of providing the Service to you.

8. THIRD-PARTY SERVICES

8.1 The Service integrates with and relies on third-party services including Google (authentication), Supabase (data storage and file storage, hosted in Canada), Resend (email delivery), and Stripe (payment processing and, where configured, tax calculation). Your use of these services is subject to their respective terms of service and privacy policies.

8.2 OrgBook BC is a publicly available service operated by the Province of British Columbia. Business information retrieved during onboarding is sourced from OrgBook BC for BC businesses that use that lookup. Grinbuck does not warrant the accuracy or completeness of information retrieved from OrgBook BC.

8.3 Grinbuck is not responsible for the availability, accuracy, or performance of any third-party service.

9. DISCLAIMER OF WARRANTIES

9.1 THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

9.2 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, GRINBUCK EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

9.3 GRINBUCK DOES NOT WARRANT THAT:

1. THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE;
2. DEADLINE DATES, TASK INFORMATION, EXPENSE CATEGORIES, TAX CALCULATIONS, OR OTHER INFORMATION PROVIDED BY THE SERVICE ARE ACCURATE OR COMPLETE;
3. ANY ERRORS IN THE SERVICE WILL BE CORRECTED;
4. THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS.

9.4 Some jurisdictions do not allow the exclusion of implied warranties. To the extent such warranties cannot be excluded under applicable law, they are limited in duration to 30 days from the date of your first use of the Service.

10. LIMITATION OF LIABILITY

10.1 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL GRINBUCK, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY:

1. INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES;
2. LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES;
3. MISSED FILING DEADLINES, GOVERNMENT PENALTIES, INTEREST CHARGES, FINES, OR CORPORATE DISSOLUTION;
4. ERRORS IN TASK RECORDS, EXPENSE RECORDS, INCOME RECORDS, INVOICE AMOUNTS, TAX CALCULATIONS, OR CLIENT DATA;
5. DAMAGES ARISING FROM YOUR RELIANCE ON INFORMATION PROVIDED BY THE SERVICE;
6. FAILURE OF EMAIL DELIVERY TO YOU OR YOUR CLIENTS, INCLUDING INVOICE AND QUOTATION EMAILS;

WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF GRINBUCK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10.2 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, GRINBUCK'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE TOTAL AMOUNTS YOU PAID TO GRINBUCK IN THE 12 MONTHS PRECEDING THE CLAIM.

10.3 THE LIMITATIONS IN THIS SECTION APPLY REGARDLESS OF THE FORM OF ACTION AND SHALL SURVIVE TERMINATION OR EXPIRY OF THESE TERMS.

10.4 Some jurisdictions do not allow certain limitations of liability. In those jurisdictions, Grinbuck's liability is limited to the greatest extent permitted by applicable law.

11. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Grinbuck and its directors, officers, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, and expenses (including reasonable legal fees) arising out of or relating to:

1. Your use of the Service in violation of these Terms;
2. Your User Data;
3. Your violation of any applicable law or regulation;
4. Your reliance on deadline, task, financial, or other information provided by the Service;
5. Any claims by your clients arising from invoices, quotations, or other communications sent through the Service on your behalf.

12. MODIFICATIONS TO THE SERVICE AND TERMS

12.1 Grinbuck reserves the right to modify the Service or any part thereof. Grinbuck may discontinue the Service, or material parts of it, upon reasonable advance notice, except where shorter or no notice is required for security, legal compliance, or other urgent operational reasons.

12.2 Grinbuck reserves the right to modify these Terms at any time. Modifications will be effective upon posting to the Service. Your continued use of the Service after modifications are posted constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Service.

12.3 Grinbuck will make reasonable efforts to notify users of material changes to these Terms by email or by displaying a notice within the Service.

13. TERMINATION

13.1 Grinbuck may suspend or terminate your access to the Service if:

1. you materially breach these Terms (including Section 6);
2. you fail to pay fees owed for a paid plan when due;
3. Grinbuck is required to do so by law or legal process; or
4. Grinbuck discontinues the Service as described in Section 12.1.

Where reasonably practicable, Grinbuck will provide notice before termination under (b) or (d). Grinbuck may suspend or terminate immediately, with or without prior notice, where reasonably necessary to address fraud, impersonation, security risk, unlawful activity, or other serious misuse.

13.2 You may terminate your account at any time by contacting Grinbuck at the email address listed in Section 16.

13.3 Upon termination:

1. your right to use the Service ceases;
2. except where immediate suspension or termination is required under Section 13.1, Grinbuck will make reasonable efforts to give you an opportunity to retrieve your User Data before deletion;
3. Grinbuck may delete your User Data in accordance with its data retention practices described in the Privacy Policy; and
4. provisions of these Terms that by their nature should survive termination shall survive, including Sections 2, 5, 6, 7, 9, 10, 11, 14, and 15.

14. GOVERNING LAW AND DISPUTE RESOLUTION

14.1 These Terms and any dispute arising out of or relating to the Service shall be governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict of law principles.

14.2 Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of the Province of British Columbia, and you hereby irrevocably consent to such jurisdiction.

14.3 WAIVER OF CLASS ACTIONS. To the extent permitted by applicable law, you agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

15. GENERAL PROVISIONS

15.1 ENTIRE AGREEMENT. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Grinbuck with respect to the Service and supersede all prior agreements and understandings.

15.2 SEVERABILITY. If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

15.3 WAIVER. Grinbuck's failure to enforce any provision of these Terms shall not constitute a waiver of that provision.

15.4 ASSIGNMENT. You may not assign your rights or obligations under these Terms without Grinbuck's prior written consent. Grinbuck may assign its rights and obligations freely.

15.5 FORCE MAJEURE. Grinbuck shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control.

16. CONTACT INFORMATION

Grinbuck Technologies Inc.

Victoria, British Columbia, Canada

Privacy and Legal Inquiries: legal@tabmonk.com

For questions about these Terms or the Service, please contact us at the email address above.