TERMS OF SERVICE

1. DESCRIPTION OF SERVICE

tabMonk is a business operations platform designed to assist Canadian small businesses, freelancers, sole proprietors, and landlords with day-to-day financial administration and compliance tracking.

The Service provides:

• (a) Expense tracking with CRA-mapped categories and receipt image storage;
• (b) Invoice and quotation creation, PDF generation, and email delivery to clients;
• (c) Client management including contact information storage;
• (d) Automated tracking and display of estimated filing deadline dates for BC corporations, including BC Annual Returns, corporate income tax (T2) deadlines, and GST/HST and BC PST filing deadlines;
• (e) Email reminders prior to estimated deadline dates and invoice due dates (available to Pro subscribers only);
• (f) A business health dashboard summarizing financial and compliance status.

Compliance deadline tracking is currently available for BC-registered corporations only. Expense tracking, invoicing, and client management are available to all users regardless of province or entity type.

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 a software tool that 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 corporation's specific circumstances, fiscal year, incorporation type, CRA 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. The Service displays T2 corporate income tax payment deadlines based on 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 PST NOTE. Tax deadlines 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.

2.7 EXPENSE AND INVOICE DATA. The Service provides tools for recording and organizing financial information. It does not constitute bookkeeping, accounting, or tax preparation services. You are responsible for the accuracy of all data you enter and for ensuring your records comply with CRA requirements.

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 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.

3.3 You agree to provide accurate, current, and complete information when setting up your business profile, and to update that information as necessary to keep it accurate.

3.4 You may register and manage multiple businesses under one account, subject to the limits of your subscription plan.

3.5 Grinbuck reserves the right to suspend or terminate your account if any information provided is found to be inaccurate, false, or misleading.

4. SUBSCRIPTION PLANS AND PAYMENT

4.1 FREE PLAN. The Service offers a free tier that includes expense tracking (up to 20 receipts per business), invoice and quotation creation (up to 5 clients per business), compliance deadline visibility for BC corporations, and up to 3 businesses. Email reminders are not included on the free plan. PDF invoices on the free plan include tabMonk branding in the footer.

4.2 PRO PLAN. The Pro subscription provides unlimited expenses, receipts, invoices, quotes, clients, and businesses; email reminders prior to tracked filing deadlines and invoice due dates; and PDF invoices without tabMonk branding. Pro subscriptions are offered on a monthly or annual basis at the rates published on the pricing page at the time of subscription.

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. All prices are in Canadian dollars (CAD) unless otherwise stated.

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. Applicable Canadian taxes, including GST/HST and BC PST where required, are calculated and collected by Stripe Tax at checkout based on your location. The price displayed at checkout is exclusive of applicable taxes unless otherwise stated.

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 Grinbuck 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) where applicable.

5.2 Grinbuck 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:

• (a) Use the Service in any manner that violates applicable federal, provincial, or local laws or regulations;
• (b) Attempt to gain unauthorized access to any part of the Service or its infrastructure;
• (c) Interfere with or disrupt the integrity or performance of the Service;
• (d) Reverse engineer, decompile, or disassemble any portion of the Service;
• (e) Use automated means to access or scrape the Service without Grinbuck's prior written consent;
• (f) Impersonate any person or entity or misrepresent your affiliation with any person or entity;
• (g) Use the Service to store or transmit unlawful, defamatory, or fraudulent content;
• (h) Use the Service to send unsolicited commercial emails or communications to third parties.

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 business information, expense 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 tax collection). 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. 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:

• (a) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE;
• (b) DEADLINE DATES, EXPENSE CATEGORIES, TAX CALCULATIONS, OR OTHER INFORMATION PROVIDED BY THE SERVICE ARE ACCURATE OR COMPLETE;
• (c) ANY ERRORS IN THE SERVICE WILL BE CORRECTED;
• (d) 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:

• (a) INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES;
• (b) LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES;
• (c) MISSED FILING DEADLINES, GOVERNMENT PENALTIES, INTEREST CHARGES, FINES, OR CORPORATE DISSOLUTION;
• (d) ERRORS IN EXPENSE RECORDS, INVOICE AMOUNTS, TAX CALCULATIONS, OR CLIENT DATA;
• (e) DAMAGES ARISING FROM YOUR RELIANCE ON INFORMATION PROVIDED BY THE SERVICE;
• (f) 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 GREATER OF (A) THE AMOUNTS YOU PAID TO GRINBUCK IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED CANADIAN DOLLARS ($100 CAD).

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:

• (a) Your use of the Service in violation of these Terms;
• (b) Your User Data;
• (c) Your violation of any applicable law or regulation;
• (d) Your reliance on deadline or financial information provided by the Service;
• (e) 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, suspend, or discontinue the Service or any part thereof at any time, with or without notice.

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 at any time, with or without cause, and with or without notice.

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: (a) your right to use the Service ceases immediately; (b) Grinbuck may delete your User Data in accordance with its data retention practices; (c) provisions of these Terms that by their nature should survive termination shall survive, including Sections 2, 5, 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@grinbuck.com

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