Terms & Conditions

Effective date: [DD MONTH YYYY] · Last updated: [DD MONTH YYYY]

These Terms & Conditions (the "Terms") are a binding agreement between you and Benjamin Sasson, an individual trading as Perdio, of [SERVICE ADDRESS] ("Perdio", "we", "us" — the Service is provided by an individual, and "we" and "us" refer to that person), and govern your use of the Perdio mobile app for iOS and Android, the Perdio web dashboard, the Perdio API and everything we provide through them (together, the "Service").

By creating an account, or by downloading, installing or using the Service, you accept these Terms. If you do not accept them, do not use the Service. Our Privacy Policy is incorporated by reference.

1. What Perdio does

Perdio captures business receipts and invoices — from your camera, your photo library, a file, a mobile shortcut, an email you forward to your Perdio inbound address, or a mailbox folder you ask it to scan — extracts their details, optionally matches them against transactions from a payment card you link, groups them into trips, applies the travel policy your group manager configured, and exports finished expense reports as PDF, CSV or XLSX or into a connected accounting system.

Perdio is a record-keeping and reporting tool. It is not an accountant, tax adviser, auditor, bank, money transmitter or payment service, and it does not reimburse you. See section 11.

2. Eligibility

You must be at least 18 years old (or the age of majority where you live, if higher) and able to form a binding contract. The Service is intended for business and professional use. If you accept these Terms on behalf of an organisation, you confirm you are authorised to bind it, and "you" means that organisation. You may not use the Service if sanctions or export-control laws prohibit it (section 17.1).

3. Your account

• You are responsible for the accuracy of your account details, for keeping your credentials secure, and for everything that happens under your account.
• Do not share your account. Group members and viewers each need their own account.
• Tell us promptly at [support@perdio.app] if you suspect unauthorised access.
• Each account is assigned a unique inbound email address. Anything sent to it is imported into your account, so treat it as semi-private and do not publish it.
• You are responsible for losses arising from your failure to keep your credentials or inbound address secure, or from use of your account by anyone you gave access to; we are not liable for them (section 13).

4. Plans, trial, seats and subscriptions

4.1 Tiers

Exact prices, currencies, durations and any introductory offers are shown in the app on the purchase screen before you confirm, and are authoritative over the figures above. Prices may differ by country and include or exclude tax according to store rules.

4.2 Auto-renewal (please read)

• Subscriptions are auto-renewable. Payment is charged to your Apple ID or Google Play account at confirmation of purchase.
• Your subscription renews automatically for the same period at the then-current price unless you cancel at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the period ends.
• You can manage or cancel at any time in your device's account settings: on iOS, Settings → your name → Subscriptions; on Android, Google Play → Subscriptions. Deleting the app does not cancel a subscription.
• Cancelling stops future renewals; you keep access until the end of the paid period, after which the account drops to the Trial tier and its caps.
• If a free trial or introductory offer is provided, any unused portion is forfeited when you purchase a subscription, where the store's rules so provide.

4.3 Seats and groups

• A Manager may invite a member only while they have an unused seat. Growing beyond a pack's size requires upgrading to a larger pack.
• Transferring a member to another Manager requires the receiving Manager to have a free seat.
• If a Manager's subscription lapses, covered members lose covered access after the store grace period and fall back to the Trial tier until seats are restored.
• A Manager can see and act on the trips, expenses, receipts, policy violations and approvals of the members in their group. If you accept a group invitation, you consent to that visibility. You may leave the group.
• Separately, you may invite a viewer to see your trips, and grant them view, view-and-export or update permission. You are responsible for who you invite and for what they do with what they can see; you can revoke a share at any time.

4.4 Payment, refunds and price changes

• All purchases are processed by Apple or Google, not by us. We do not receive your card details.
• Refunds are handled by the store, under Apple's or Google's policies. We cannot issue refunds for store purchases. Consumers in the EU/EEA, the UK and other jurisdictions with statutory withdrawal or refund rights keep those rights in full.
• Except where the law requires otherwise, fees are non-refundable and we do not pro-rate partial periods.
• We may change prices. Changes take effect at your next renewal, after the notice the stores require; where a price increase needs your consent under store rules, your subscription will not renew at the new price until you agree.
• We may grant complimentary access at our discretion; it can be ended at any time, after which the ordinary tiers apply.

4.5 Taxes

Prices shown in the stores include tax where the store collects it. You are responsible for any other tax arising from your use of the Service.

5. Your content

• You keep ownership of the receipts, invoices, images, expense data, notes and other material you put into or connect to the Service ("Your Content").
• You grant us a worldwide, non-exclusive, royalty-free licence to host, store, copy, transmit, display, process and adapt Your Content only to operate and provide the Service to you and the people you authorise, to secure and support it, and to comply with law. That licence ends when you delete the content or your account, subject to backups rolling off and to records we must keep by law.
• We do not use Your Content to train our own AI models, and we do not license it to third parties for their own purposes. Some of Your Content is processed by AI and OCR service providers strictly to produce your results — see section 4 of the Privacy Policy.
• You confirm you have the right to submit Your Content, including receipts, mailbox content or card transactions belonging to or concerning your employer or a third party, and that doing so breaches no policy or law that applies to you.

6. Connected services

The Service can connect, at your instruction, to Gmail, Microsoft Outlook, Google Calendar, a financial institution via Plaid, and QuickBooks, SAP Concur or Expensify.

• Each connection uses your own authorisation and can be revoked at any time, in Perdio and in the third party's own account settings.
• Those services are operated by third parties under their terms and privacy policies. We are not responsible for them, for their availability, or for what they do with data you send them.
• A third party may change or withdraw its API at any time, which can break a feature. We will try to keep integrations working but cannot guarantee it.
• Mailbox scanning reads only the folders, labels and filters you select.

7. Acceptable use

You must not:

• use the Service unlawfully, or for fraud, tax evasion, money laundering, or submitting expenses you know to be false;
• upload receipts or data you are not entitled to, or content that is unlawful, infringing or malicious;
• attempt to access another user's data, break access controls, or probe, scan or load-test the Service without our written permission;
• reverse-engineer, decompile or attempt to derive source code, except to the extent that right cannot lawfully be excluded;
• resell, sublicense, rent out or provide the Service as a service to third parties without our written agreement;
• circumvent Trial caps, seat limits or entitlement checks, including by creating multiple accounts;
• scrape or bulk-extract data, or use the API in a way that degrades the Service for others;
• use the Service to develop a competing product, or to train machine-learning models on data obtained through it;
• upload malware, or interfere with the integrity or performance of the Service.

We may throttle, suspend or terminate access for a breach of this section, and where required report unlawful activity to the authorities.

8. Availability and changes

We aim for a reliable Service but do not promise uninterrupted availability, and we offer no service-level agreement, uptime commitment or support-response commitment. We may modify, add, suspend or remove features, impose or change rate limits and quotas, and perform maintenance — including without notice where necessary for security, legal compliance or stability. Where a change materially reduces core functionality we will give reasonable notice. We may discontinue the Service entirely on 30 days' notice, in which case we will make a data export available and refund any prepaid, unused subscription period you paid for through a store, to the extent the store permits. Subject to that refund, we are not liable for any downtime, change, suspension or discontinuation (section 13).

9. Suspension and termination

• By you: stop using the Service at any time. Cancel a subscription in the store (section 4.2), and delete your account in Settings → Privacy & data, which permanently erases your data.
• By us: we may suspend or terminate your access with notice for breach of these Terms, non-payment, or where required by law; immediately and without notice where there is a risk of harm, fraud or illegality.
• On termination your licence to use the Service ends. Sections 5 (as to the licence's survival for backups and legal records), 10, 11, 12, 13, 14, 15, 16 and 17 survive.
• Export your data before you delete your account. Deletion is irreversible and we cannot recover deleted data.

10. Intellectual property

The Service, including its software, design, brand, the "Perdio" name and logos, is owned by us and our licensors and protected by intellectual-property law. Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the app on devices you own or control, and the web dashboard, for your own business-expense purposes. No other rights are granted. Feedback you send us may be used freely, without obligation to you.

11. Use at your own risk — accuracy, completeness and your responsibility

You use the Service at your own risk. This section describes what the Service does not guarantee and what remains your responsibility.

11.1 Automated results can be wrong

Receipt and invoice reading (OCR and AI extraction), category suggestions, currency conversion, mileage and per-diem calculation, travel-policy checks, duplicate detection and card-transaction matching are automated and may be inaccurate, incomplete or wrong, including in ways that look plausible. Merchant names, amounts, taxes, tips, dates, line items and payment methods may be misread; an expense may be given the wrong category; a receipt may be matched to the wrong transaction, or to none. Exchange rates are indicative, are supplied by a third party, and are not the rate your card issuer or tax authority will use.

11.2 Capture is not guaranteed to be complete

We do not guarantee that every receipt will be captured, recognised or imported. A receipt or invoice may be missed, delayed, imported twice, or not imported at all — for example because an email did not reach your inbound address or was filtered as spam, because a mailbox scan did not cover the right folder, label, date range or sender, because a third-party API was unavailable or changed, because a file format, language or image quality could not be read, because a rate limit or quota applied, or because a de-duplication marker treated it as already handled. The absence of an expense in Perdio is not evidence that it did not occur.

11.3 Policy checks are not a compliance determination

Travel-policy rules reflect what a manager configured. A "no violation" result is not a statement that an expense complies with your employer's policy, with your contract, or with any law or tax rule. Approvals and rejections are decisions made by the manager, not by us.

11.4 Not professional advice

Nothing in the Service or in these documents is tax, accounting, legal, audit or financial advice, and Perdio is not your accountant, auditor, tax agent, bank or payment provider. Consult a qualified professional before relying on any output for a filing, claim, reimbursement or audit.

11.5 Your responsibilities

• Review every expense and every report before you submit, export or rely on it.
• Comply with your employer's policies and with the tax, accounting, record-retention and audit requirements that apply to you.
• Keep your own independent copies of any record you are legally or contractually required to retain. Do not treat Perdio as your only or archival copy — including before you delete an expense, a trip or your account, which is irreversible.
• Check what you share before you share it: a manager of a group you join, and any viewer you grant access to, can see your trips, expenses and receipts (section 4.3).

11.6 We are not responsible for the consequences

Without limiting sections 12 and 13, and to the maximum extent permitted by applicable law, we are not responsible for a reimbursement that is refused or delayed, an expense report that is rejected, a deduction or input-tax credit that is disallowed, a tax assessment, penalty, interest charge or audit finding, a breach of your employer's policy, or any other loss arising because data in the Service was inaccurate, incomplete, duplicated, delayed, mis-matched, not captured, or lost.

12. Disclaimer of warranties

To the fullest extent permitted by applicable law, the Service is provided "as is" and "as available", with all faults and without warranty of any kind. We disclaim all warranties, representations and conditions, express, implied or statutory, including merchantability, satisfactory quality, fitness for a particular purpose, accuracy, completeness, quiet enjoyment, title and non-infringement, and any warranty arising from course of dealing or usage of trade.

In particular, we do not warrant or guarantee that:

• the Service will be uninterrupted, timely, available in your country, or free of errors, bugs or defects, or that defects will be corrected;
• any receipt, invoice or email will be captured, read, imported, categorised, converted or matched correctly, completely, or at all (section 11);
• any extracted amount, date, merchant, tax figure, exchange rate, mileage or per-diem value is accurate, or that a report will be accepted by your employer, an accounting system, an auditor or a tax authority;
• data will not be lost, corrupted, delayed or made temporarily inaccessible, or that any backup will be available or complete — the Service is not a backup or archival service;
• any third-party service the Service depends on or connects to (including Apple, Google, Microsoft, Amazon Web Services, Anthropic, Plaid, RevenueCat, exchange-rate providers, QuickBooks, SAP Concur and Expensify) will remain available, accurate, secure or compatible, or that a feature relying on one will continue to work;
• the Service, or the storage and transmission of your data, is free of vulnerabilities or immune to unauthorised access, interception, malware or other security incident — we apply the measures described in the Privacy Policy, but no service can be guaranteed secure, and transmission over the internet is at your own risk;
• an email sent to your inbound Perdio address will be delivered, or delivered without delay;
• the Service is suitable for, or sufficient for compliance with, any legal, regulatory, tax, accounting, record-retention or employer requirement that applies to you.

Any feature labelled beta, preview, early access or experimental is provided for evaluation only, may be changed or withdrawn at any time, and carries no warranty or support commitment whatsoever.

No advice or information, oral or written, obtained from us or through the Service creates any warranty not expressly stated here.

Nothing in these Terms excludes or limits rights you have as a consumer that cannot lawfully be excluded, including under EU/EEA, UK, Australian or other mandatory consumer law. Some jurisdictions do not allow the exclusion of implied warranties, so parts of this section may not apply to you.

13. No liability for losses or damages

13.1 Exclusion of liability. To the maximum extent permitted by applicable law, we are not liable to you for any loss, damage, cost or expense of any kind arising out of or in connection with the Service, these Terms, or your use of or inability to use the Service — whether the claim is brought in contract, tort (including negligence), breach of statutory duty, strict liability, misrepresentation, restitution or on any other basis, whether direct or indirect, and whether or not we knew or should have known the loss was possible.

This exclusion covers, without limitation, loss or damage arising from:

• data that is inaccurate, incomplete, duplicated, mis-categorised, mis-matched, delayed, not captured, altered, corrupted, lost or deleted (including deletion you or your manager performed, and irreversible deletion of your account);
• reliance on any OCR, AI, categorisation, matching, currency-conversion, mileage, per-diem or policy-check output (section 11);
• a reimbursement, expense claim or expense report that is refused, reduced, delayed or rejected; a disallowed deduction or input-tax credit; a tax assessment, penalty, interest, fine or audit cost; or a disciplinary or contractual consequence under your employer's policy;
• loss of profits, revenue, business, contracts, anticipated savings, goodwill or reputation; business interruption; wasted expenditure; or the cost of substitute services or of re-creating records;
• downtime, suspension, maintenance, rate limiting, quota exhaustion, or any change to, degradation of or discontinuation of the Service or any feature;
• the act, omission, error, outage, change, suspension or discontinuation of any third-party service or API, or of any store's handling of a purchase, renewal, refund or entitlement;
• unauthorised access to or use of your account or data, security incidents, hacking, interception, malware, or the acts of any third party;
• what a group manager, a viewer you granted access to, or anyone else you authorised does with data they can see, and any disclosure resulting from a sharing setting you chose;
• anything you sent to, or authorised the Service to send to, a third-party service; and
• any personal injury, property damage or other loss connected with using a device while capturing a receipt.

Infrastructure, hosting and platform failures. For the avoidance of doubt, the exclusion above covers loss or damage caused wholly or partly by the cloud, hosting and infrastructure providers the Service runs on or depends on — including Amazon Web Services and its compute, storage, database, cache, authentication, inbound-email and document-processing services, our AI and OCR providers, the payment and subscription platforms, and any network, DNS, content-delivery or upstream provider. It covers, without limitation, their outages, downtime, degraded performance, latency, capacity or rate limits, regional or zonal failures, maintenance windows, configuration or operator errors, deprecations or changes to their services, suspension or termination of our account with them, data that is lost, deleted or corrupted at the provider, backups that are missing, incomplete or unrestorable, and security incidents, unauthorised access or interception occurring at or through them.

We choose reputable providers and hold them to contractual commitments, but we do not control them, we do not guarantee their performance or continuity, and we are not liable for their acts, omissions, faults or malfunctions, nor for any consequence of them for you or your data. This applies whether the failure is total or partial, momentary or prolonged.

Section 13.6 still governs: where data-protection law makes us responsible for a processor acting on our behalf, this paragraph does not exclude that responsibility.

13.2 Cap on claims and liability. Where liability cannot lawfully be excluded altogether, the scope of all claims against us, and our total aggregate liability for them, is limited to the amounts actually paid for the Service for you, the specific user bringing the claim, during the 12 months immediately before the date the claim is made.

• The cap is calculated per user. It counts payments made for that user's own access to the Service — including seats a group manager paid for that user — and nothing else. One user's payments never enlarge another user's cap.
• It is an aggregate cap covering every claim that user brings, however many claims there are and whatever they are based on. Multiple or repeated claims do not enlarge it.
• Payments made outside that 12-month window, refunded amounts, and amounts paid by anyone else do not count towards it.
• If nothing was paid for you in that period — for example on the free Trial tier, on complimentary access, or where a manager's subscription had lapsed — then to the maximum extent permitted by applicable law our liability to you is limited to nothing.

Because most use of Perdio is free or low-cost, this may mean your recovery is little or nothing. This cap does not apply to the liabilities listed in section 13.6, which cannot lawfully be limited.

13.3 Who this protects. Sections 11 to 13 apply to us and equally to anyone acting on our behalf in providing the Service — any contractor, freelancer, agent, service provider, supplier or licensor we engage, and their personnel — and to any successor to the Service.

13.4 Basis of the bargain. These exclusions and limits are a fundamental basis of the agreement between us and are reflected in the price of the Service; they apply even if a limited remedy fails of its essential purpose, and survive termination.

13.5 Time limit for claims. To the extent permitted by law, any claim relating to the Service must be brought within one (1) year after the event giving rise to it, or it is permanently barred.

13.6 What is never excluded. Nothing in these Terms excludes or limits liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, for gross negligence or wilful misconduct where the law does not allow its exclusion, or for any other liability that cannot lawfully be excluded or limited — including the statutory rights of consumers under EU/EEA, UK, Australian and other mandatory consumer law, and including any liability an applicable data-protection law imposes on us as a controller or processor. Some jurisdictions do not allow the exclusion or limitation of certain damages, so parts of this section may not apply to you; in that case our liability is limited to the smallest amount permitted by law.

14. Indemnity

If you are using the Service other than as a consumer, you will indemnify and hold us harmless against claims, losses and reasonable costs (including legal fees) arising from Your Content, your breach of these Terms, your unlawful use of the Service, or your infringement of a third party's rights.

15. Governing law and disputes

These Terms are governed by the laws of [JURISDICTION], without regard to conflict-of-laws rules, and the courts of [VENUE] have exclusive jurisdiction — except that if you are a consumer, you may also bring proceedings in, and benefit from the mandatory law of, your country of residence.

Before filing a claim, please contact [support@perdio.app] so we can try to resolve it informally.

16. General

• Entire agreement. These Terms and the Privacy Policy are the whole agreement between us about the Service.
• Changes. We may update these Terms. We will post the updated version with a new "Last updated" date and, for material changes, notify you in the app or by email before they take effect. Continuing to use the Service after that date means you accept the change; if you do not, stop using the Service and cancel.
• No waiver. Not enforcing a right is not a waiver of it.
• Severability. If a provision is unenforceable, the rest stays in force.
• Assignment. You may not assign these Terms without our consent. We may assign them to an affiliate or successor in a merger, acquisition or asset sale.
• Force majeure. Neither party is liable for failures caused by events beyond its reasonable control.
• Notices. We contact you at your account email; you contact us at [support@perdio.app].
• Language. These Terms are published in several languages. The English version prevails if a translation conflicts with it, except where mandatory local law requires otherwise.

17. App-store terms

17.1 Apple App Store (applies to the iOS app)

These Terms are between you and us only, not with Apple, and Apple is not responsible for the app or its content.

1. Scope of licence. Your licence to use the iOS app is non-transferable and limited to use on Apple-branded devices you own or control, as permitted by the Apple Media Services Terms of Use, including the Family Sharing and volume-purchase rules there.
2. Maintenance and support. We, not Apple, are solely responsible for maintenance and support. Apple has no obligation to furnish any support for the app.
3. Warranty. To the maximum extent permitted by law, Apple gives no warranty for the app. If the app fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price of the app (if any); to the maximum extent permitted by law Apple has no other warranty obligation, and any other claims, losses, liabilities, damages, costs or expenses attributable to a failure to conform to a warranty are our responsibility.
4. Product claims. We, not Apple, are responsible for addressing any claims by you or a third party relating to the app or your use of it, including product liability, failure to conform to legal or regulatory requirements, and consumer-protection or privacy claims.
5. Intellectual-property claims. If a third party claims the app infringes its intellectual property, we, not Apple, are solely responsible for the investigation, defence, settlement and discharge of that claim.
6. Third-party terms. You must comply with any applicable third-party terms of agreement when using the app.
7. Legal compliance. You represent and warrant that you are not located in a country subject to a U.S. Government embargo or designated as "terrorist supporting", and that you are not on any U.S. Government list of prohibited or restricted parties.
8. Third-party beneficiary. Apple and its subsidiaries are third-party beneficiaries of this section 17.1 and may enforce it against you.
9. Contact. Questions, complaints or claims about the app: [support@perdio.app], Benjamin Sasson, [SERVICE ADDRESS].

17.2 Google Play (applies to the Android app)

Your use of the Android app is also subject to the Google Play Terms of Service. These Terms are between you and us only, not with Google; Google is not a party and is not responsible for the app or its content. Subscriptions purchased through Google Play are managed and refunded under Google's policies.

Benjamin Sasson · [SERVICE ADDRESS] · [support@perdio.app] · privacy@perdio.app