MerchFace Inc. Terms of Service
Effective date: August 10 2026
Previous version: Terms of Service in effect through August 9, 2026
1. Agreement to These Terms
These Terms of Service ("Terms") are a binding agreement between you and MerchFace Inc. ("Company," "we," "us"). By accessing, creating an account, using the App, engaging us for Professional Services, ordering from the Shop, or otherwise using the Service as defined in Section 3, you agree to these Terms and to our Privacy Policy, available at https://merchface.com/privacy, which is incorporated by reference. If you use the Service on behalf of a business or other entity, you represent that you have authority to bind that entity, and "you" refers to both you and the entity.
2. Eligibility
You must be at least 18 years old and capable of forming a binding contract to use the Service. You may not use the Service if you are barred from doing so under applicable law.
3. The Service
MerchFace Inc. offers several related services. We operate the MerchFace app, a product accounting application that helps individuals and businesses track their products across channels and their finances by importing transactions from financial accounts they choose to connect (the "App"). We operate our website at MerchFace.com (the "Site"), which describes our work and allows you to contact us. We provide e-commerce development and financial analysis to business clients on an engagement basis (the "Professional Services"). We may also offer branded merchandise and other products for sale (the "Shop"). In these Terms, the App, the Site, the Professional Services, the Shop, and any related communications are referred to collectively as the "Service," and these Terms apply to all of them.
Not every part of these Terms applies to every interaction with us: Sections 5 and 7 apply only if you connect a financial account through the App; Section 8 applies only to paid App subscriptions; Professional Services engagements are also governed by the separate engagement letter or statement of work we sign with you, which controls in the event of a conflict; and Shop orders are also subject to the order, shipping, and returns terms presented at checkout.
We may add, change, or remove features over time, and we will provide reasonable notice of changes that materially reduce the core functionality of a paid subscription.
4. Your Account
You agree to provide accurate registration information and keep it current. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. We offer security features, including multi-factor authentication, and we encourage you to enable them. Notify us promptly at support@merchface.com if you suspect unauthorized access to your account.
5. Linking Financial Accounts Through Our Connection Providers
The App uses one or more connection providers - currently Plaid Inc. ("Plaid"), Teller Inc. ("Teller"), and PayPal ("PayPal") (each, a "Connection Provider") - to connect your financial accounts and retrieve your account and transaction data. Which provider handles a given connection depends on your financial institution and the connection method you choose, and we identify the Connection Provider to you before the connection begins. By connecting a financial account, you grant the Company and the relevant Connection Provider the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your financial institution, and you acknowledge and agree that this information will be transferred to, stored by, and processed by that Connection Provider in accordance with its end user privacy policy, to which we link at the point of connection. The Plaid End User Privacy Policy is available at https://plaid.com/legal/#end-user-privacy-policy.
You represent that you own, or are authorized to access and share data from, each account you connect. Connections are read-only: the Service cannot initiate payments or move funds. You may disconnect a linked account at any time in the MerchFace settings menu. The availability of particular institutions and the completeness of imported data depend on your financial institution and on the relevant Connection Provider, and may change.
6. No Financial, Tax, or Accounting Advice
The Service provides software tools and informational outputs only. Nothing in the Service constitutes financial, investment, tax, accounting, or legal advice, and no fiduciary, accountant-client, attorney-client, tax advisor-client, investment adviser-client nor professional-client relationship is created by your use of the Service. Automated categorizations, reports, and summaries may contain errors or omissions. You are solely responsible for reviewing your records, for the accuracy of your books, and for any tax filings or financial decisions you make, and you should consult a qualified professional for advice specific to your situation.
7. Third-Party Data
Transaction, balance, and account information displayed in the Service originates with your financial institutions and is retrieved through a Connection Provider. This data is provided "as is" and may be delayed, incomplete, or inaccurate. Your financial institution's own records are the authoritative source, and you should reconcile against official statements. We are not responsible for outages, errors, or changes in data availability at a Connection Provider or any financial institution.
8. Fees, Billing, and Cancellation
Paid subscriptions are billed in advance on a recurring (monthly or annual) basis through our third-party payment processors and renew automatically until canceled. You can cancel at any time in the MerchFace settings menu, effective at the end of the current billing period. We will give at least 60 days notice of price increases, which apply from your next renewal following the increase effective date. Except where required by law, fees are non-refundable. You are responsible for applicable taxes.
9. Acceptable Use
You agree not to:
- Use the Service in violation of any law or regulation, or for any fraudulent or deceptive purpose;
- Connect or attempt to access any financial account you are not authorized to use;
- Access another user's account without permission, or probe, scan, or test the vulnerability of the Service or circumvent its security or authentication measures;
- Reverse engineer, decompile, scrape (including through automated means, bots, agents, crawlers, or similar technologies), or copy the Service, or resell or sublicense it, except as permitted by law;
- Interfere with the operation of the Service, impose an unreasonable load on it, or introduce malicious code; or
- Use the Service to violate the privacy or rights of any third party.
10. Intellectual Property
The Service, including its software, design, and content (excluding Your Data as defined below), is owned by the Company and its licensors and is protected by intellectual property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your internal accounting purposes while you are authorized to use the Service. If you send us feedback or suggestions, you grant us a perpetual, irrevocable, royalty-free license to use them without restriction or compensation.
11. Your Data
You retain all ownership rights in the financial and business information you submit to the Service or that we import on your behalf ("Your Data"). You grant us a limited license to host, process, and display Your Data solely to provide and improve the Service (including analytics, statistics and debugging) and as described in the Privacy Policy. You can export Your Data using the export data function in the MerchFace settings menu. Upon termination, unless otherwise agreed to by both parties in writing beforehand, we will delete Your Data in accordance with the retention terms of the Privacy Policy.
12. Termination
You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you materially breach these Terms, if your use creates risk or possible legal exposure for us or others, if required by law, or for nonpayment, and we will provide notice where practicable. Users remain responsible for charges incurred before termination. Sections that by their nature should survive termination (including Sections 6, 7, and 10 through 20) survive.
13. Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT IMPORTED DATA WILL BE ACCURATE OR COMPLETE.
14. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY. THE COMPANY'S TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE OR (B) ONE HUNDRED U.S. DOLLARS. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
15. Indemnification
You will indemnify and hold harmless the Company and its officers, directors, employees, and agents from and against claims, damages, and expenses (including reasonable attorneys' fees) arising out of your misuse of the Service, your violation of these Terms, or your violation of any law or the rights of a third party.
16. Dispute Resolution; Governing Law
These Terms are governed by the laws of the State of Minnesota, in the United States of America, without regard to conflict-of-laws principles.
17. Changes to These Terms
We may update these Terms from time to time. If we make material changes, we will notify you by email or through the Service at least 30 days before the changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.
18. Copyright Complaints (DMCA)
We respond to notices of alleged copyright infringement under the U.S. Digital Millennium Copyright Act. If you believe material on the Service infringes your copyright, send a notice containing the information required by 17 U.S.C. ยง 512(c)(3) to our designated agent at copyright@merchface.com. We may remove or disable access to the material, notify the affected user, and accept counter-notices through the same address. We terminate the accounts of repeat infringers in appropriate circumstances.
19. Export Controls and Sanctions
The Service is subject to U.S. and other applicable export control and economic sanctions laws. You represent that you are not located in, ordinarily resident in, or organized under the laws of a country or region subject to comprehensive sanctions, and that you are not identified on any restricted or denied party list. You agree not to use or make the Service available in violation of those laws.
20. Electronic Communications
You consent to receive communications from us electronically, including by email to the address on your account and by notices posted in the Service, and you agree that these satisfy any legal requirement that a communication be in writing. Service, billing, security, and legal notices are part of the Service and cannot be declined while your account is active; you may unsubscribe from marketing messages at any time.
21. Beta Features
We may offer features identified as beta, preview, early access, or experimental. Beta features are provided as is and as available, without warranty or support of any kind, may change or be discontinued at any time without notice, and may not perform as described. Use of beta features is at your own risk, and Sections 13 and 14 apply to them in full.
22. API Access
If we make an application programming interface (the "API") available, your use of it is subject to these Terms and to any documentation, credentials, and rate or usage limits we publish. You must keep API credentials confidential, are responsible for all activity under them, and must not exceed published limits, circumvent technical restrictions, or use the API to build a competing service. We may change, throttle, deprecate, or discontinue the API or revoke credentials, with reasonable notice where practicable.
23. Availability and Maintenance
We do not guarantee uninterrupted availability. We may suspend, limit, or interrupt access to the Service for scheduled or emergency maintenance, upgrades, or security or operational reasons, and downtime may also result from causes outside our control. We will use reasonable efforts to give advance notice of planned maintenance and to keep interruptions short. Unless we have agreed to a separate written service level commitment, downtime does not entitle you to a refund or credit.
24. General
These Terms, together with the Privacy Policy and any order, engagement or subscription terms, are the entire agreement between you and the Company regarding the Service. If any provision is found unenforceable, the remainder will remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets. We are not liable for delays or failures caused by events beyond our reasonable control. Notices to you may be provided by email to the address on your account; notices to us should be sent to support@merchface.com.
Contact
MerchFace Inc.