Terms of Service

1. Acceptance of Terms

By accessing or using Irish Finance (the “Service”), including our website, mobile application, and any associated features, you agree to be bound by these Terms of Service (“Terms”) and our Privacy Policy. If you do not agree to these Terms, you must not use the Service.

You must be at least 16 years old to use this Service. Receipt scanning and other features involving health-related data are restricted to users aged 18 and over. By using the Service, you represent and warrant that you are at least 16 years old.

2. Service Description

Irish Finance is a personal finance platform designed for Irish taxpayers. The Service provides the following features:

• AI-powered receipt scanning for tax relief calculation
• Bill, contract, and subscription tracking with renewal alerts
• Mortgage, energy, and broadband rate comparison
• Tax credit discovery tools
• Loan and mortgage tracking with overpayment calculators
• AI financial Q&A (Fionn, the AI assistant)
• Grant and scheme discovery

4. AI-Generated Content Disclaimer

Certain features of the Service use artificial intelligence, including receipt scanning and the Fionn AI chat assistant. You acknowledge and agree that:

• AI-generated content may contain errors, inaccuracies, or omissions
• AI-extracted receipt data should always be reviewed and verified by you before use
• AI chat responses are generated based on general knowledge and may not reflect the most current rules, regulations, or your specific circumstances
• You are solely responsible for verifying the accuracy of any AI-generated information before acting on it
• We do not guarantee the accuracy, completeness, or fitness for purpose of any AI-generated content

5. Account Responsibilities

When you create an account with Irish Finance, you agree to:

• Provide accurate, current, and complete information during registration
• Maintain the security and confidentiality of your login credentials
• Notify us immediately of any unauthorised use of your account
• Accept responsibility for all activities that occur under your account
• Use only one account per person

6. User Content

You retain full ownership of all content you upload to the Service, including receipt images, financial data, and chat messages (“User Content”).

By uploading User Content, you grant Irish Finance a limited, non-exclusive licence to process, store, and display your content solely for the purpose of providing the Service to you. This licence terminates when you delete the content or your account.

You represent and warrant that:

• You own or have the right to upload all User Content
• Your User Content does not infringe on the rights of any third party
• Receipt images you upload are your own receipts or receipts for which you have authorisation

7. Intellectual Property

The Service, including its design, code, branding, text, graphics, and features (excluding User Content), is owned by Irish Finance and is protected by copyright and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of the Service, nor may you reverse engineer or attempt to extract source code, except as permitted by law.

8. Prohibited Uses

You agree not to use the Service to:

• Violate any applicable law, regulation, or these Terms
• Upload fraudulent, misleading, or falsified receipt images or financial data
• Attempt to gain unauthorised access to other users' accounts or data
• Use automated scripts, bots, or scrapers to access the Service
• Interfere with or disrupt the Service or its infrastructure
• Use the Service for tax fraud, money laundering, or any illegal financial activity
• Upload content that contains malware, viruses, or harmful code
• Resell, sublicense, or provide the Service to third parties without permission

9. Subscription Terms

9.1 Free Tier

Irish Finance offers a free tier with limited features, including a capped number of receipt scans and contracts per month. The free tier is provided at our discretion and may be modified at any time with reasonable notice.

9.2 Premium Subscription

Premium features are available through a paid subscription. Subscription payments are processed by Stripe. By subscribing, you agree to:

• Pay the subscription fee at the rate displayed at the time of purchase
• Subscriptions renew automatically at the end of each billing period unless cancelled
• You can cancel at any time; access continues until the end of the current billing period
• Price changes will be communicated at least 30 days in advance

9.3 Refund Policy

For your initial subscription purchase, you have a 14-day cooling-off period during which you may request a full refund regardless of usage. After the 14-day period, refunds for the current billing period are calculated on a pro-rata daily basis for the unused portion. After 60 days of the current billing period, no refund is available. Refund requests should be sent to support@cecurlabs.dev.

10. Service Availability

We aim to maintain 99.5% uptime for the Service, excluding planned maintenance windows (announced at least 48 hours in advance) and third-party service failures beyond our control.

If the Service is unavailable for more than 24 consecutive hours due to a fault within our control, you may request a proportional service credit or cancel your subscription and receive a refund for the unused portion of your current billing period.

This Service is provided on a best-effort basis and we do not guarantee uninterrupted or error-free operation.

11. Limitation of Liability

To the maximum extent permitted by applicable law:

• The Service is provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied
• We do not warrant that tax calculations, rate comparisons, or AI-generated information are accurate, complete, or up to date
• We shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service
• Our total aggregate liability for any claims arising from or related to the Service shall not exceed the greater of: (a) the total amount you have paid to us in the 12 months preceding the claim, or (b) EUR 500. This cap does not apply to liability arising from our negligence in handling your personal data, which is governed by applicable data protection law.
• We are not liable for any financial loss, missed tax relief claims, incorrect tax calculations, or decisions made based on information provided by the Service

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable Irish or EU law, including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.

12. Indemnification

You agree to indemnify and hold harmless Irish Finance and its operator from any claims, damages, losses, or expenses (including reasonable legal fees) arising out of your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

13. Termination

You may terminate your account at any time by using the account deletion feature in your settings. Upon deletion, all your personal data will be permanently removed in accordance with our Privacy Policy.

We may suspend or terminate your access to the Service if:

• You violate these Terms
• We are required to do so by law
• Your account has been inactive for an extended period (we will provide notice before doing so)
• We cease to operate the Service (we will provide reasonable notice and allow data export)

14. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will:

• Update the effective date at the top of this page
• Notify you by email or in-app notification at least 30 days before the changes take effect
• Give you the opportunity to review the changes before they become binding

Your continued use of the Service after the effective date of any changes constitutes your acceptance of the updated Terms.

15. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of Ireland, without regard to its conflict of law provisions.

Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Ireland.

Nothing in these Terms affects your statutory rights as a consumer under EU consumer protection law.

16. Dispute Resolution

If you have a dispute regarding the Service, we encourage you to contact us first at support@cecurlabs.dev so we can attempt to resolve it informally.

If the dispute cannot be resolved informally, you may also use the European Commission's Online Dispute Resolution (ODR) platform, available at https://ec.europa.eu/consumers/odr.

17. Data Breach Notification

In the event of a personal data breach affecting your data, we will notify the Data Protection Commission within 72 hours and notify you directly if there is high risk to your rights. See our Privacy Policy for full details.

18. Vulnerable Consumers

If you are experiencing financial difficulty or vulnerability, or if you require additional assistance using our Service, please contact support@cecurlabs.dev. We are committed to providing appropriate support in accordance with the Consumer Protection Code 2025.

19. Miscellaneous

• Severability: If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
• Entire Agreement: These Terms, together with the Privacy Policy and Cookie Policy, constitute the entire agreement between you and Irish Finance regarding your use of the Service.
• No Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
• Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations under these Terms with notice to you.

20. Contact Information

For questions about these Terms, please contact us: