PINTO TERMS OF SERVICE
Last Updated: 16 April, 2025
INTRODUCTION
Welcome to Pinto AI ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our AI-powered accounting and bookkeeping services through WhatsApp and our website at getpinto.ai.
Please read this Privacy Policy carefully. By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by all the terms of this Privacy Policy. If you do not agree with our policies and practices, please do not use our services.
1. INTRODUCTION AND ACCEPTANCE
1.1 Agreement to Terms
Welcome to Pinto! These Terms of Service (“Terms”, “Agreement”) are a binding legal agreement between you and [Pinto Legal Entity Name] (“Pinto”, “we”, “us”, or “our”), a company registered in the United Arab Emirates.
By accessing or using the Pinto platform, services, or website (collectively, the “Service”), you agree to be bound by these Terms. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE SERVICE.
1.2 Who May Use the Service
You may use the Service only if:
- You are at least 18 years old and have the legal capacity to enter into a binding contract;
- You are a business entity or individual operating a business in the UAE;
- You are not prohibited from using the Service under UAE law or any other applicable laws;
- Your use of the Service does not violate any law or regulation applicable to you.
1.3 Changes to Terms
We may modify these Terms at any time. We will notify you of material changes by:
- Posting the updated Terms on our website with a new “Last Updated” date;
- Sending an email to your registered email address;
- Displaying a notice within the Service.
Your continued use of the Service after the effective date of changes constitutes your acceptance of the modified Terms. If you do not agree to the changes, you must stop using the Service and may terminate your account as described in Section 11.
2. DESCRIPTION OF SERVICE
2.1 The Pinto Platform
Pinto provides an artificial intelligence-powered bookkeeping interface designed for small and micro businesses in the UAE. The Service includes:
- AI-Powered Assistant: Conversational AI interface accessible via WhatsApp for managing your bookkeeping;
- Document Processing: Automated extraction and categorization of financial information from receipts, invoices, and documents;
- WhatsApp Interface: Primary access to all bookkeeping functions through WhatsApp messaging;
- Financial Reporting: Generation of profit & loss statements, cash flow reports, and other financial summaries;
- Expense and Invoice Management: Tools to track expenses, create invoices, and manage payments;
- Accounting System Integration: Your bookkeeping data is stored and managed in professional accounting software (Zoho Books or Wafeq);
- Compliance Features: Support for UAE VAT and Corporate Tax compliance;
- Customer Support: Technical and customer support via WhatsApp, email, and other channels..
2.2 Third-Party Accounting Systems
IMPORTANT: How Your Data is Stored
2.2.1 Pinto operates as an intelligent interface to professional accounting systems. Specifically:
- Your financial data is stored in either Zoho Books or Wafeq (the “Accounting System”);
- Pinto sets up and manages your Accounting System account as part of the Service;
- The cost of the Accounting System subscription is included in your Pinto subscription fee;
- You own the data in your Accounting System account;
- You can access your Accounting System account directly at any time by requesting login credentials from us.
2.2.2 Data Portability and Ownership:
- You retain full ownership of all data in your Accounting System account;
- If you cancel your Pinto subscription, we will provide you with login credentials to your Accounting System account;
- You may continue using the Accounting System directly (subject to the Accounting System provider’s terms and fees);
- We never delete or restrict your access to your own financial data;
- You may export your data from the Accounting System at any time in standard formats.
2.2.3 Third-Party Terms:
- Your use of the Accounting System is subject to the terms and conditions of Zoho Books or Wafeq;
- We provide the Accounting System as part of our bundled service, but the underlying platform is operated by third parties;
- We are not responsible for the Accounting System provider’s availability, data practices, or terms of service;
- Links to third-party terms: [Zoho Books Terms] [Wafeq Terms].
2.3 Service Availability
- We strive to provide continuous availability but do not guarantee uninterrupted or error-free access;
- We may modify, suspend, or discontinue any aspect of the Service with reasonable notice;
- Scheduled maintenance will be communicated in advance when possible;
- The Accounting System’s availability is subject to the third-party provider’s service levels.
2.4 Partner Referrals
You may access the Service through a referral from one of our authorized partners. In such cases:
- Your contractual relationship for the Service is directly with Pinto, not the partner;
- All billing, support, and service delivery are provided by Pinto;
- Partners receive a commission for referrals but have no role in service delivery or access to your data;
- You may see partner branding (e.g., “[Partner Name] • Powered by Pinto”) in your WhatsApp interactions.
3. ACCOUNT REGISTRATION AND SECURITY
3.1 Account Creation
To use the Service, you must create an account by providing:
- Your business name and trade license information (if applicable);
- Contact information (name, email, phone number, business address);
- WhatsApp contact number;
- Payment information;
- Any other information we may reasonably require.
3.2 Accurate Information
You represent and warrant that:
- All information you provide is accurate, current, and complete;
- You will maintain and update your information to keep it accurate and current;
- You have the authority to enter into this agreement on behalf of your business;
- You possess all licenses and permits required to operate your business in the UAE (if applicable).
3.3 Account Security
You are responsible for:
- Maintaining the confidentiality of your account credentials and WhatsApp access;
- All activities that occur under your account;
- Notifying us immediately of any unauthorized access or security breach;
- Using a secure device and connection to access the Service.
We are not liable for any loss or damage arising from your failure to maintain account security.
3.4 Account Verification
We may require additional verification of your identity or business status at any time. Failure to provide requested verification may result in suspension or termination of your account.
4. SUBSCRIPTION AND PAYMENT
4.1 Subscription Plans
4.1.1 The Service is offered on a subscription basis. Available subscription plans, features, and pricing are described on our website and may change from time to time.
4.1.2 Your subscription includes:
- Access to Pinto’s AI-powered WhatsApp interface;
- Underlying Accounting System subscription (Zoho Books or Wafeq);
- Customer support;
- All features included in your selected plan.
4.2 Pricing and Fees
4.2.1 You agree to pay all fees associated with your selected subscription plan.
4.2.2 All fees are stated in UAE Dirhams (AED) and include any applicable Value Added Tax (VAT) unless otherwise stated.
4.2.3 We may change our pricing with thirty (30) days’ advance notice. Price changes will not affect your current subscription period but will apply upon renewal.
4.3 Payment Terms
4.3.1 Subscription fees are billed in advance on a monthly or annual basis, as selected by you.
4.3.2 You authorize us to charge your designated payment method on each billing date.
4.3.3 If payment fails, we will attempt to notify you and may retry the charge. Continued payment failure may result in suspension or termination of your account.
4.3.4 You are responsible for all charges, including applicable taxes, fees, and currency conversion charges imposed by your payment provider.
4.4 Free Trials
4.4.1 We may offer free trial periods for new customers. Trial terms will be specified at sign-up.
4.4.2 You must provide valid payment information to start a trial. If you do not cancel before the trial ends, you will be automatically charged for your selected subscription plan.
4.4.3 We reserve the right to determine trial eligibility and may limit trials to one per customer or business.
4.5 Refunds
4.5.1 Subscription fees are generally non-refundable except:
- Where required by applicable law;
- In cases of service failure or material breach by Pinto;
- At our sole discretion on a case-by-case basis.
4.5.2 If you cancel your subscription, you will retain access until the end of your current billing period, but no refund will be issued for unused time.
4.6 Taxes
You are responsible for all applicable taxes except those based on Pinto’s income. If we are required to collect or pay taxes on your behalf, we will add such amounts to your invoice.
5. YOUR USE OF THE SERVICE
5.1 License Grant
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes.
5.2 Acceptable Use
You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree NOT to:
5.2.1 Use the Service in any way that violates UAE law or regulations;
5.2.2 Upload, transmit, or process any data that:
- Infringes any intellectual property or other proprietary rights;
- Contains malicious code, viruses, or harmful components;
- Violates any person’s privacy or data protection rights;
- Is illegal, fraudulent, defamatory, obscene, or offensive;
5.2.3 Attempt to:
- Reverse engineer, decompile, or disassemble any aspect of the Service;
- Access or search the Service by any means other than our provided interfaces;
- Bypass any security measures or access controls;
- Interfere with or disrupt the Service or servers;
5.2.4 Use the Service to:
- Send spam or unsolicited communications;
- Engage in fraudulent activity or money laundering;
- Process payments for illegal goods or services;
- Violate export control or sanctions regulations;
5.2.5 Impersonate any person or entity or misrepresent your affiliation with any person or entity;
5.2.6 Create multiple accounts to evade enforcement of these Terms or abuse trial offers;
5.2.7 Access another user’s account without authorization;
5.2.8 Use the Service for purposes of competitive analysis or to build a competing product.
5.3 Compliance with Laws
You are solely responsible for ensuring that your use of the Service complies with all applicable laws, including but not limited to:
- UAE Commercial laws and regulations;
- Tax laws, including VAT and Corporate Tax obligations;
- Data protection and privacy laws;
- Anti-money laundering regulations;
- Industry-specific regulations applicable to your business.
5.4 Monitoring and Enforcement
5.4.1 We reserve the right to monitor use of the Service to ensure compliance with these Terms and applicable law.
5.4.2 We may suspend or terminate accounts, remove content, or take other action if we believe there is a violation of these Terms or applicable law, without liability to you.
6. YOUR DATA AND CONTENT
6.1 Your Data
“Your Data” means all data, information, documents, and content that you upload, submit, or process through the Service, including financial records, receipts, invoices, and business information.
6.2 Ownership
You retain all ownership rights in Your Data. You do not grant us any ownership interest in Your Data.
6.3 License to Process Your Data
You grant us a limited license to access, store, process, and use Your Data solely to:
- Provide and maintain the Service;
- Store Your Data in the Accounting System;
- Generate reports and perform analytics;
- Improve the Service and train our AI models (using anonymized and aggregated data only);
- Comply with legal obligations;
- Enforce these Terms.
6.4 Your Responsibilities for Your Data
You represent and warrant that:
- You own or have the necessary rights to all Your Data;
- Your Data does not violate any law or third-party rights;
- You have obtained all necessary consents to process any personal data included in Your Data;
- Your Data does not contain malicious code or harmful content.
6.5 Data Storage and Location
6.5.1 Your Data is stored in the Accounting System (Zoho Books or Wafeq), which may store data in servers located in various jurisdictions.
6.5.2 By using the Service, you consent to the storage and processing of Your Data in accordance with our Privacy Policy and the Accounting System provider’s data practices.
6.5.3 We implement appropriate security measures to protect Your Data as described in Section 8.
6.6 Data Accuracy
6.6.1 Our AI-powered document processing is designed to accurately extract financial information, but it may not be 100% accurate.
6.6.2 You are responsible for reviewing and verifying all data processed by the Service, especially for regulatory filings and official records.
6.6.3 We are not responsible for errors in Your Data that result from inaccurate information you provide or from limitations in AI processing.
6.7 Backup and Data Loss
6.7.1 We maintain regular backups of data stored in our systems and the Accounting System.
6.7.2 However, you are solely responsible for maintaining your own backup copies of Your Data.
6.7.3 We are not liable for any loss or corruption of Your Data except to the extent caused by our gross negligence or willful misconduct.
7. INTELLECTUAL PROPERTY RIGHTS
7.1 Pinto’s Intellectual Property
7.1.1 The Service, including its software, features, design, content, trademarks, and all intellectual property rights therein, are owned by Pinto or our licensors.
7.1.2 These Terms do not grant you any ownership rights in the Service or our intellectual property.
7.1.3 “Pinto,” the Pinto logo, and other Pinto marks are trademarks of Pinto. You may not use our trademarks without our prior written consent.
7.2 Feedback
If you provide us with any suggestions, ideas, or feedback about the Service (“Feedback”), you grant us an unlimited, perpetual, irrevocable, royalty-free license to use, modify, and incorporate such Feedback into the Service without any obligation to you.
7.3 Third-Party Services
The Accounting Systems (Zoho Books and Wafeq) are the intellectual property of their respective owners. We do not claim any ownership rights in these third-party services.
8. DATA SECURITY AND PRIVACY
8.1 Privacy Policy
Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the practices described in the Privacy Policy.
8.2 Security Measures
8.2.1 We implement commercially reasonable technical and organizational measures to protect Your Data against unauthorized access, loss, or disclosure.
8.2.2 Security measures include:
- Encryption of data in transit and at rest;
- Access controls and authentication requirements;
- Regular security assessments and updates;
- Secure integration with Accounting Systems.
8.2.3 However, no system is completely secure. We cannot guarantee absolute security of Your Data.
8.3 Your Security Obligations
You are responsible for:
- Maintaining the security of your WhatsApp account and device;
- Using strong passwords and authentication methods;
- Not sharing your login credentials;
- Promptly reporting any security incidents to us.
8.4 Data Breach Notification
In the event of a data breach that affects Your Data, we will notify you as required by applicable law and will take reasonable steps to mitigate the harm.
8.5 Data Processing
Details about how we process your personal data, including data transfers and your rights, are set forth in our Privacy Policy.
9. AI AND AUTOMATED PROCESSING
9.1 AI-Powered Features
The Service uses artificial intelligence and machine learning to:
- Extract information from receipts and invoices;
- Categorize expenses and income;
- Respond to queries via WhatsApp;
- Generate financial reports and insights;
- Provide recommendations and alerts.
9.2 AI Limitations
9.2.1 AI technology is not perfect and may make errors in data extraction, categorization, or responses.
9.2.2 You are responsible for reviewing all AI-generated outputs before relying on them for important decisions or regulatory compliance.
9.2.3 Our AI should not be considered a substitute for professional accounting or tax advice.
9.3 Training and Improvement
9.3.1 We may use anonymized and aggregated data from your use of the Service to train and improve our AI models.
9.3.2 We do not use your identifiable financial data for training purposes without your consent.
9.4 No Professional Advice
The Service provides information and tools but does not constitute financial, accounting, tax, or legal advice. You should consult qualified professionals for such advice.
10. SUPPORT AND SERVICE LEVELS
10.1 Customer Support
10.1.1 We provide customer support via:
- WhatsApp (primary channel);
- Email support;
- In-app messaging;
- Phone support (if available for your subscription tier).
10.1.2 Support hours and response times depend on your subscription plan.
10.2 Service Levels
10.2.1 We strive to maintain high availability of the Service but do not guarantee any specific uptime percentage except as may be specified in separate Service Level Agreements for premium plans.
10.2.2 We are not responsible for service interruptions caused by:
- Third-party services (including the Accounting System, WhatsApp, or internet providers);
- Force majeure events;
- Your actions or equipment;
- Scheduled maintenance (with advance notice when possible).
10.3 Updates and Maintenance
10.3.1 We may update, modify, or discontinue features of the Service at any time.
10.3.2 We will provide reasonable notice of material changes that negatively affect functionality.
10.3.3 Scheduled maintenance will be performed during low-usage periods when possible and will be announced in advance.
11. TERM, TERMINATION, AND ACCOUNT CLOSURE
11.1 Term
These Terms commence when you first access the Service and continue until terminated by either party as described below.
11.2 Termination by You
11.2.1 You may terminate your subscription at any time through your account settings or by contacting customer support.
11.2.2 Termination will be effective at the end of your current billing period.
11.2.3 You will retain access to the Service until the end of the paid subscription period.
11.2.4 No refunds will be issued for early termination except as required by law.
11.3 Termination by Pinto
11.3.1 We may suspend or terminate your account immediately if:
- You breach these Terms;
- Your payment fails or your account is past due;
- We suspect fraudulent, illegal, or abusive activity;
- Required by law or regulatory authority;
- Your use poses a security or liability risk to us or other users.
11.3.2 We may terminate your account for convenience with thirty (30) days’ advance notice.
11.4 Effect of Termination
Upon termination or expiration of your subscription:
11.4.1 Your access to the Pinto Service will cease;
11.4.2 You will retain full access to your Accounting System account (Zoho Books or Wafeq):
- We will provide you with login credentials if you don’t already have them;
- You may continue using the Accounting System directly (subject to the provider’s terms);
- You will be responsible for any fees charged by the Accounting System provider if you continue using it;
- Your data will remain in the Accounting System and will not be deleted by Pinto;
11.4.3 We may delete data stored in Pinto’s systems (not in the Accounting System) after a reasonable retention period, typically thirty (30) days;
11.4.4 You may request an export of Your Data before or within thirty (30) days after termination;
11.4.5 Sections of these Terms that by their nature should survive will continue to apply, including: payment obligations, intellectual property rights, disclaimers, limitations of liability, and dispute resolution provisions.
11.5 Data Export and Portability
11.5.1 You may export Your Data from the Accounting System at any time in standard formats (e.g., Excel, CSV, PDF).
11.5.2 After termination, you have thirty (30) days to request any final data exports before we remove access from our side.
11.5.3 Data in your Accounting System remains accessible to you indefinitely (subject to the Accounting System provider’s policies).
11.6 No Lock-In
We believe in data portability and customer freedom:
- You are never locked into Pinto;
- Your financial data is always accessible in standard accounting software;
- You can switch to another service or manage your books directly at any time;
- We facilitate smooth transitions and provide necessary access credentials.
12. DISCLAIMERS AND WARRANTIES
12.1 Service Provided “As Is”
The service is provided “as is” and “as available” without warranties of any kind, whether express or implied.
12.2 Disclaimer of Warranties
To the maximum extent permitted by uae law, we disclaim all warranties, including but not limited to:
- Implied warranties of merchantability, fitness for a particular purpose, and non-infringement;
- Warranties regarding accuracy, reliability, or availability of the service;
- Warranties that the service will be uninterrupted, secure, or error-free;
- Warranties regarding results or outcomes from using the service.
12.3 Third-Party Services
We make no warranties or representations regarding third-party services, including the accounting systems (zoho books or wafeq). Your use of such services is at your own risk and subject to their terms.
12.4 AI Accuracy
We do not warrant that ai-powered features will be 100% accurate. You are responsible for verifying all data and outputs.
12.5 No Professional Advice
The service does not provide professional accounting, tax, financial, or legal advice. We are not responsible for any decisions you make based on information provided by the service.
12.6 Regulatory Compliance
While we design the service to support uae regulatory compliance, we do not warrant that your use of the service will satisfy all your regulatory obligations. You are solely responsible for compliance with applicable laws.
13. LIMITATION OF LIABILITY
13.1 Limitation of Damages
To the maximum extent permitted by uae law:
13.1.1 In no event shall pinto, its affiliates, officers, directors, employees, agents, or licensors be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to:
- Loss of profits, revenue, or business opportunities;
- Loss of data or information;
- Cost of substitute services;
- Business interruption;
- Reputational harm;
- Tax penalties or regulatory fines;
Arising out of or related to these terms or your use of the service, whether based on contract, tort (including negligence), strict liability, or any other legal theory, even if we have been advised of the possibility of such damages.
13.2 Cap on Liability
13.2.1 Our total aggregate liability to you for all claims arising out of or related to the service or these terms shall not exceed the amount you paid to us in the twelve (12) months immediately preceding the event giving rise to liability.
13.2.2 If you have not paid us any fees, our liability shall be limited to aed 500.
13.3 Exceptions
The limitations in this Section 13 do not apply to: - Our indemnification obligations; - Liability for fraud, willful misconduct, or gross negligence; - Liability that cannot be excluded under applicable UAE law; - Your payment obligations under these Terms.
13.4 Basis of the Bargain
You acknowledge that these limitations of liability are an essential element of the agreement between us and that we would not provide the Service without these limitations.
14. INDEMNIFICATION
14.1 Your Indemnification Obligations
You agree to indemnify, defend, and hold harmless Pinto, its affiliates, and their respective officers, directors, employees, agents, and licensors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:
14.1.1 Your use or misuse of the Service;
14.1.2 Your breach of these Terms;
14.1.3 Your violation of any law or regulation;
14.1.4 Your Data, including any claims that Your Data infringes or violates third-party rights;
14.1.5 Your business operations and regulatory compliance obligations;
14.1.6 Disputes between you and your customers, suppliers, or other third parties.
14.2 Indemnification Procedure
14.2.1 We will promptly notify you of any claim subject to indemnification;
14.2.2 You will have sole control of the defense and settlement, provided you do not settle in a way that admits liability on our behalf or imposes obligations on us without our consent;
14.2.3 We may participate in the defense with our own counsel at our own expense;
14.2.4 You will not settle any claim without our prior written consent.
15. DISPUTE RESOLUTION
15.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of the Emirate of Dubai, United Arab Emirates, without regard to its conflict of law principles.
15.2 Informal Resolution
Before initiating any formal dispute resolution, you agree to contact us at [support email] to attempt to resolve the dispute informally. We will attempt to resolve disputes in good faith.
15.3 Arbitration
15.3.1 If informal resolution is unsuccessful, any dispute, controversy, or claim arising out of or relating to these Terms or the Service shall be resolved by binding arbitration under the Dubai International Arbitration Centre (DIAC) Arbitration Rules.
15.3.2 The arbitration shall be conducted in Dubai, UAE, in the English language, by one arbitrator.
15.3.3 The arbitrator’s award shall be final and binding and may be entered and enforced in any court of competent jurisdiction.
15.3.4 Each party shall bear its own costs and expenses, and the parties shall share equally the arbitrator’s fees unless the arbitrator determines otherwise.
15.4 Exceptions to Arbitration
Either party may seek interim or preliminary relief in a court of competent jurisdiction as necessary to protect its rights or property pending completion of arbitration.
15.5 Jurisdiction
The courts of Dubai, UAE shall have exclusive jurisdiction for any matters not subject to arbitration.
15.6 Class Action Waiver
You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.
16. GENERAL PROVISIONS
16.1 Entire Agreement
These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Pinto regarding the Service and supersede all prior agreements and understandings.
16.2 Amendments
We may modify these Terms at any time as described in Section 1.3. Your continued use of the Service after changes constitutes acceptance of the modified Terms.
16.3 Waiver
Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. Any waiver must be in writing and signed by us.
16.4 Severability
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
16.5 Assignment
16.5.1 You may not assign or transfer these Terms or your account without our prior written consent.
16.5.2 We may assign these Terms to any affiliate or successor entity without your consent upon notice to you.
16.6 No Third-Party Beneficiaries
These Terms do not create any third-party beneficiary rights except as expressly stated.
16.7 Force Majeure
We shall not be liable for any failure or delay in performance due to events beyond our reasonable control, including acts of God, war, terrorism, pandemic, strikes, government actions, or failures of third-party services.
16.8 Export Controls
You may not use the Service if you are subject to UAE or international sanctions or export controls. You represent that you are not located in a country subject to such restrictions.
16.9 Language
These Terms are drafted in English. If translated into other languages, the English version shall prevail in case of any conflict or ambiguity.
16.11 Relationship
These Terms do not create any partnership, joint venture, employment, or agency relationship between you and Pinto.
17. ACKNOWLEDGMENT
BY CLICKING “I AGREE,” SIGNING UP FOR AN ACCOUNT, OR USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.
Last Updated: [Date]
Version: 1.0
