Terms of Service

These Terms of Service (“Terms”) govern your access to and use of Stonaris, including our website, software platform, banking-related features, bookkeeping tools, reporting tools, integrations, and related services (collectively, the “Services”).

These Terms are a legal agreement between you and Stonaris, Inc. (“Stonaris,” “we,” “us,” or “our”). By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

1. About Stonaris

Stonaris is a business banking and automated bookkeeping platform for ecommerce sellers, starting with Amazon sellers. Stonaris helps users manage business finances, cards, supplier payments, expense tracking, Amazon financial data, automated bookkeeping, reconciliation, reporting, and tax-readiness workflows.

Stonaris is a financial technology company, not a bank. Banking services, deposit accounts, cards, money movement, and related regulated financial services are provided by one or more banking partners and financial infrastructure providers, subject to their approval, terms, policies, and compliance requirements.

Banking services are available only where supported and only to approved users.

2. Eligibility

To use Stonaris, you must:

• Be at least 18 years old
• Use the Services for business purposes only
• Have authority to bind the business you represent
• Provide accurate and complete information
• Comply with these Terms and all applicable laws
• Pass any required identity, business, compliance, underwriting, or banking partner review

We may refuse, suspend, or terminate access at any time if we determine that you or your business are not eligible, present unacceptable risk, violate these Terms, or fail to meet banking partner, compliance, or legal requirements.

3. Account Registration

You may need to create an account to use the Services. You agree to provide accurate, current, and complete information and to keep it updated.

You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activity under your account
• Ensuring authorized users comply with these Terms
• Promptly notifying us of unauthorized access or security concerns

We may require multi-factor authentication or other security controls.

4. Banking Services

Banking services may include business accounts, cards, domestic payments, wires, supplier payments, and other money movement features where available.

Banking services are provided by Stonaris banking partners, not by Stonaris directly. Your use of banking services may be subject to additional agreements, disclosures, fee schedules, privacy notices, and compliance requirements from our banking partners or financial service providers.

We do not guarantee that any banking service will be approved, available, uninterrupted, or suitable for your business.

You agree that Stonaris and its partners may review your business, transactions, beneficial ownership, identity information, payment activity, and risk profile to comply with legal, regulatory, fraud prevention, anti-money laundering, sanctions, know-your-customer, know-your-business, and banking partner requirements.

5. Cards and Payments

If cards or payment features are available, you agree to use them only for lawful business purposes. You are responsible for all authorized card use, payment instructions, wires, transfers, supplier payments, and transactions initiated through your account.

We may delay, reject, reverse, freeze, or investigate transactions when required or permitted by law, banking partner rules, payment network rules, risk controls, fraud prevention procedures, sanctions screening, compliance obligations, or these Terms.

International payments, wires, currency conversion, or supplier payments may be subject to additional fees, delays, exchange rates, intermediary bank charges, recipient bank rules, and compliance review.

6. Amazon and Third-Party Integrations

Stonaris may allow you to connect third-party services, including Amazon Seller Central, Amazon Ads, banking partners, payment providers, or other ecommerce tools.

By connecting a third-party account, you authorize Stonaris to access, receive, store, process, and use data from that third party as needed to provide the Services, including bookkeeping, reconciliation, expense tracking, reporting, tax-readiness, profitability visibility, and support.

You represent that you have the legal right and authority to connect each third-party account and authorize Stonaris to access and process the data.

You may disconnect integrations at any time, but some features may stop working if you do.

Third-party services are governed by their own terms and policies. Stonaris is not responsible for third-party services, outages, data inaccuracies, API changes, delays, or errors.

7. Bookkeeping and Reporting

Stonaris provides software tools for bookkeeping automation, transaction categorization, Amazon settlement parsing, reconciliation, expense tracking, profit visibility, and financial reporting.

Stonaris is not a certified public accountant, tax preparer, law firm, investment adviser, or financial adviser. The Services are not legal, tax, accounting, investment, or financial advice.

You are responsible for:

• Reviewing your books and reports
• Confirming the accuracy of transaction categories
• Providing complete and accurate information
• Consulting qualified tax, accounting, legal, or financial professionals
• Filing taxes and regulatory reports correctly and on time
• Maintaining required business records

We may use software, rules, automation, machine learning, or artificial intelligence to categorize transactions, parse settlement data, and generate reports. Automated outputs may be incomplete, inaccurate, delayed, or require review. You should not rely solely on automated outputs without review.

8. Taxes

Stonaris may help organize financial data and generate tax-ready reports, but Stonaris does not file taxes for you unless a separate service is expressly offered and agreed in writing.

Tax-ready means that Stonaris attempts to organize and present financial information in a format that may be useful for tax preparation. It does not guarantee that your taxes are complete, accurate, compliant, or accepted by any tax authority.

You remain responsible for all taxes, filings, payments, penalties, interest, and tax positions.

9. Fees and Billing

You agree to pay all fees associated with your use of the Services, including subscription fees, banking-related fees, card fees, payment fees, wire fees, international payment fees, or other charges disclosed to you.

Fees may be charged by Stonaris, banking partners, payment providers, card networks, intermediary banks, or other service providers.

We may change fees by providing notice where required. If you continue using the Services after a fee change becomes effective, you accept the updated fees.

10. Acceptable Use

You agree not to use Stonaris for:

• Illegal activity
• Fraud
• Money laundering
• Sanctions evasion
• Deceptive practices
• Unauthorized access
• Personal, family, or household use
• High-risk or prohibited businesses
• Infringing intellectual property rights
• Circumventing banking, payment, Amazon, or compliance rules
• Uploading malware or harmful code
• Interfering with the Services
• Scraping, reverse engineering, or abusing the platform
• Misrepresenting your identity, business, ownership, or transaction purpose

We may suspend or terminate access if we believe your use violates these Terms, law, banking partner requirements, Amazon requirements, or risk policies.

11. Data Accuracy and Availability

Financial, banking, Amazon, bookkeeping, and reporting data may depend on third-party systems, APIs, banking partners, payment networks, user input, processing timelines, and data availability.

We do not guarantee that data will always be complete, accurate, current, or available. You are responsible for reviewing important information before making business, tax, accounting, payment, or financial decisions.

12. Security

We use reasonable administrative, technical, and physical safeguards designed to protect the Services. However, no system is perfectly secure.

You agree to:

• Use strong passwords
• Protect your credentials
• Enable required security features
• Limit access to authorized users
• Notify us immediately of suspected unauthorized access
• Keep your devices and systems secure

We are not responsible for losses caused by your failure to secure your account, credentials, devices, or authorized users.

13. Confidentiality

You may receive access to non-public information about Stonaris, including product features, pricing, technical information, security practices, business plans, or beta functionality. You agree not to disclose confidential information unless authorized in writing.

14. Intellectual Property

Stonaris and its licensors own all rights, title, and interest in the Services, including software, design, text, graphics, logos, trademarks, workflows, systems, and technology.

You receive a limited, non-exclusive, non-transferable, revocable right to use the Services for your internal business purposes, subject to these Terms.

You may not copy, modify, distribute, sell, lease, reverse engineer, or create derivative works from the Services except as permitted by law or authorized by us in writing.

15. Feedback

If you provide feedback, ideas, suggestions, or recommendations, you grant Stonaris a perpetual, worldwide, royalty-free, irrevocable right to use them without restriction or compensation.

16. Beta and Early Access Features

Some features may be offered in beta, pilot, waitlist, or early access form. Beta features may be incomplete, inaccurate, unavailable, or changed at any time. We may modify, suspend, or discontinue beta features without notice.

17. Suspension and Termination

We may suspend or terminate your access to the Services at any time if:

• You violate these Terms
• You create legal, compliance, security, financial, or reputational risk
• Required by law, banking partners, payment networks, Amazon, or regulators
• We suspect fraud, misuse, or unauthorized access
• Your business is no longer eligible
• You fail to pay fees
• We discontinue the Services

You may stop using the Services at any time. Certain obligations survive termination, including payment obligations, confidentiality, intellectual property, disclaimers, limitation of liability, indemnification, and dispute provisions.

Termination may not immediately close banking accounts or complete pending payment activity. Banking partner terms may govern account closure, fund availability, transaction holds, and record retention.

18. Disclaimers

The Services are provided “as is” and “as available.”

To the fullest extent permitted by law, Stonaris disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, security, and reliability.

We do not guarantee that:

• The Services will be uninterrupted or error-free
• Reports will be accurate or complete
• Bookkeeping automation will classify every transaction correctly
• Banking services will be approved or available
• Third-party integrations will remain available
• Tax-ready reports will satisfy any tax authority or accountant
• Any business outcome, savings, profit, or tax result will occur

19. Limitation of Liability

To the fullest extent permitted by law, Stonaris and its affiliates, officers, directors, employees, agents, partners, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, punitive, or lost profit damages, including loss of revenue, loss of data, business interruption, tax penalties, missed filings, accounting errors, payment delays, third-party failures, or reputational harm.

To the fullest extent permitted by law, Stonaris's total liability for all claims arising out of or related to the Services will not exceed the greater of:

• The amount you paid to Stonaris for the Services in the three months before the event giving rise to the claim; or
• $100

Some jurisdictions do not allow certain limitations, so some limitations may not apply to you.

20. Indemnification

You agree to defend, indemnify, and hold harmless Stonaris and its affiliates, officers, directors, employees, agents, partners, and service providers from any claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising out of or related to:

• Your use of the Services
• Your business
• Your transactions
• Your connected accounts
• Your data
• Your violation of these Terms
• Your violation of law
• Your violation of third-party rights
• Your tax, accounting, or reporting obligations
• Your fraud, negligence, or misconduct
• Actions by your authorized users

21. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles, unless another jurisdiction is required by applicable law or banking partner terms.

22. Dispute Resolution

Before filing a claim, you agree to contact us at support@stonaris.com and attempt to resolve the dispute informally.

If the dispute cannot be resolved informally, disputes will be resolved in the state or federal courts located in Travis County, Texas, unless a different forum is required by applicable law or a separate written agreement.

You and Stonaris waive the right to participate in a class action, class arbitration, or representative action to the fullest extent permitted by law.

23. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will update the effective date and may notify you by email, in-app notice, or website notice.

Your continued use of the Services after updated Terms become effective means you accept the updated Terms.

24. Contact

If you have questions about these Terms, contact us at: