Terms of Service - Individuals

TERMS OF SERVICE - INDIVIDUALS

VissoraX

These Terms of Service for Individuals ("Individual Terms") govern your access to and use of the VissoraX website, web application, software, integrations, and related services (collectively, the "Services") when you act for yourself and not on behalf of a business or other entity.

By creating an account, connecting a data source, or otherwise using the Services, you agree to these Individual Terms. If you do not agree, do not use the Services.

These Individual Terms incorporate our Privacy Policy and Refund Policy. The license governing the VissoraX software is also stated in our End User License Agreement. The General Terms & Conditions remain available as the general service terms. These Individual Terms control where they state a rule specific to personal use. The EULA controls only for software licensing and software-use restrictions.

1) WHO WE ARE

The Services are provided by Sterlas Van d/b/a VissoraX ("VissoraX," "we," "us," or "our").

Address: 7901 4th St N #25669, St. Petersburg, Florida 33702, United States

Support: support@vissorax.com

Legal: legal@vissorax.com

2) ELIGIBILITY AND INDIVIDUAL USE

You must be at least 18 years old and able to form a legally binding contract.

These Individual Terms apply when you create or use an account for your own purposes. If you access the Services for a business, employer, nonprofit, public body, or another entity, the Terms of Service for Organizations apply to that use.

3) YOUR ACCOUNT, DEVICES, AND SECURITY

You must provide accurate account information, keep your contact information current, protect your credentials, and remain responsible for activity under your account.

You may access the Services on devices you control and are authorized to use. To protect your account, we may detect unfamiliar access patterns, require additional verification, notify you about suspicious activity, or temporarily restrict access if we reasonably believe the account may be compromised.

Notify support@vissorax.com promptly if you suspect unauthorized access or another security incident.

4) SOFTWARE LICENSE

Subject to your compliance with these Individual Terms and the EULA, VissoraX grants you a limited, non-exclusive, non-transferable, revocable license to access and use the VissoraX software for your personal purposes in accordance with applicable documentation.

The software, source code, design, trademarks, and related intellectual property are owned by VissoraX or its licensors. The license permits use; it does not transfer ownership.

5) WHAT VISSORAX DOES

VissoraX provides Financial Infrastructure designed to help people and organizations bring relevant financial data together, understand it, and use or share resulting answers on permitted terms.

6) THIRD-PARTY SERVICES AND QUICKBOOKS ONLINE

A) Third-party services generally

If you connect an accounting, banking, payment, payroll, or other third-party service, you authorize VissoraX to access and process data from that service within the permission you grant and the third party's terms.

Third-party services are not controlled by VissoraX. We are not responsible for their independent outages, changes, inaccuracies, eligibility decisions, fees, or discontinuation.

B) QuickBooks Online

If you connect QuickBooks Online, the VissoraX integration is read-only and may use webhooks or similar mechanisms to keep permitted data synchronized.

C) Consent and purpose

We will describe the purposes for using connected data and obtain your agreement before using it for those purposes, including through the connection authorization flow and an in-product confirmation where applicable.

D) No cross-customer sharing

We do not share one customer's QuickBooks-derived data with another customer. Aggregated and anonymized information may be used as described in Section 7, but never in a way that reveals or transfers another customer's underlying connected accounting data.

E) Revoking access

If you revoke or disconnect a data source, we will stop accessing and synchronizing new data from that source promptly. Previously synchronized information may remain in your account for historical use unless you request deletion under Section 16.

7) YOUR CONTENT, CONNECTED DATA, AND PROCESSING RIGHTS

"User Content" means information you submit, upload, or configure in the Services. "Connected Data" means information retrieved from a third-party service you authorize us to access.

You retain ownership of your User Content and Connected Data. You grant VissoraX a limited license to host, process, transmit, and display that information only to provide and operate the Services, improve reliability and security, prevent fraud or abuse, and comply with law.

We may create aggregated and anonymized information from usage and operational data to improve and secure the Services. We do not train third-party AI models on customer data.

8) COLLABORATORS AND PERMISSIONED SHARING

Where the Services support sharing an answer or information with an accountant, lender, auditor, investor, or another permitted party, you decide whether to authorize that sharing and the scope of the permission.

You may invite collaborators and set their permissions. You are responsible for selecting an appropriate scope and ensuring you have the right to share the information you authorize VissoraX to communicate. Information outside an approved scope is not included in that permissioned sharing.

9) AI-ASSISTED FEATURES ("JARVIS")

The Services may include AI-assisted features called "Jarvis" that explain, summarize, and assist with workflows using information available in your account.

• Jarvis outputs may be inaccurate or incomplete.
• Jarvis is not legal, tax, accounting, financial, or investment advice.
• You must review and validate outputs before acting.
• You remain responsible for your decisions, filings, classifications, and compliance.

10) ACCEPTABLE USE AND SOFTWARE RESTRICTIONS

You may not, and may not permit another person to:

• reverse engineer, decompile, disassemble, or attempt to derive source code, systems, models, prompts, algorithms, or architecture;
• scrape, crawl, harvest, spider, or use automation to extract data, content, or functionality;
• copy, mirror, reproduce, modify, distribute, republish, resell, rent, lease, sublicense, or otherwise commercialize the Services or access to them;
• use the Services to build, improve, or support a competing product or service;
• conduct competitive benchmarking or performance testing for publication or competitive advantage without our written permission;
• train, fine-tune, or develop machine-learning or AI models using data, outputs, or content from the Services;
• bypass authentication, access controls, security features, rate limits, or usage restrictions;
• probe or exploit vulnerabilities, introduce malware, or attempt unauthorized access to an account, system, or network;
• upload unlawful, infringing, harassing, privacy-violating, or otherwise illegal material; or
• impersonate another person, misrepresent your authority, or access data you do not have permission to access.

We may suspend or terminate access if we reasonably believe prohibited conduct has occurred or been attempted.

11) SECURITY, LOGGING, COOKIES, AND COMPLIANCE

We use commercially reasonable administrative, technical, and organizational safeguards designed to protect data. We enforce HTTPS and modern TLS and use security attributes on session cookies.

We do not log user credentials or QuickBooks data. For reliability and troubleshooting, we may log operational error information such as timestamps, status codes, error messages, and correlation identifiers while avoiding sensitive QuickBooks payloads and credentials.

We may use cookies, pixels, SDKs, and similar technologies for authentication, security, preferences, analytics, and marketing measurement. Where required, we provide consent controls and honor applicable privacy rights and opt-out requirements.

You and VissoraX must comply with applicable law.

12) AVAILABILITY, UPDATES, AND SUPPORT

We target high availability and operational continuity, including a target of 99.95% availability. We do not guarantee uninterrupted operation.

We may update, modify, or improve the Services and software to maintain security, performance, compatibility, and product quality. If an outage or material issue occurs, we may communicate through email, in-product notices, or a status page when available.

Support: support@vissorax.com

13) BILLING, PLANS, POINTS, AND TAXES

Account creation may be free and may not require a payment method. Charges occur only when you choose paid plans or resources.

VissoraX Points ("Points") are an internal currency used to measure and charge for usage and paid resources.

• Points may be purchased or included with a plan.
• Points are non-transferable and have no cash value outside the Services.
• Points do not expire on the platform unless stated otherwise at purchase.
• If you cancel a plan, remaining Points stay on your account for later use.
• Pricing is based on Points and usage, not feature restrictions.

You agree to pay fees and taxes associated with purchases you authorize. If you believe a charge was made in error or without authorization, contact support@vissorax.com within 30 days.

14) REFUNDS

Refunds and credits are governed by the Refund Policy. In general, used usage or Points are not refundable. Unused Points and subscription charges may be considered case by case, including within seven days for subscriptions.

15) OPEN-SOURCE COMPONENTS AND FEEDBACK

The software may contain open-source software and third-party components governed by their own licenses. Where applicable, those licenses control your use of those components.

If you provide feedback, suggestions, ideas, or improvements, you grant VissoraX a perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, modify, distribute, and otherwise use that feedback without compensation.

16) SUSPENSION, TERMINATION, AND DATA DELETION

You may stop using the Services at any time. We may suspend or terminate your license or access for a violation, security risk, nonpayment, legal requirement, or conduct that threatens the Services, users, or third parties.

If you request deletion, we will delete customer content and connected data except for minimal records we may retain for legal compliance, security, fraud prevention, and billing disputes.

When your license terminates, you must stop using the software.

17) INTUIT AND QUICKBOOKS NOTICE

VissoraX is a third-party application and is not endorsed, sponsored, or affiliated with Intuit Inc. "Intuit," "QuickBooks," "QuickBooks Online," and related marks are trademarks of Intuit Inc. Other trademarks belong to their respective owners.

18) DISCLAIMER OF WARRANTIES

THE SERVICES AND SOFTWARE ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, VISSORAX DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT GUARANTEE THAT THE SERVICES, SOFTWARE, OR OUTPUTS, INCLUDING AI OUTPUTS, WILL BE UNINTERRUPTED, ERROR-FREE, OR ACCURATE.

19) LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• VISSORAX WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES OR FOR LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL.
• VISSORAX'S TOTAL LIABILITY FOR A CLAIM RELATING TO THE SERVICES OR SOFTWARE WILL NOT EXCEED THE AMOUNT YOU PAID TO VISSORAX IN THE SIX MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR $100 IF YOU PAID NOTHING, WHICHEVER IS GREATER.

Nothing in these Individual Terms limits a right or liability that applicable law does not permit the parties to limit.

20) INDEMNIFICATION

You agree to indemnify and hold harmless VissoraX from claims arising from your misuse of the Services or software, violation of these Individual Terms or the EULA, or violation of law or third-party rights.

21) EXPORT CONTROLS AND SANCTIONS

You may not use or export the software in violation of applicable export-control laws, sanctions programs, or regulations. You represent that applicable law does not prohibit you from using the software.

22) ARBITRATION AND CLASS-ACTION WAIVER

PLEASE READ CAREFULLY - THIS AFFECTS YOUR RIGHTS.

Except for disputes eligible for small-claims court or injunctive relief involving misuse of intellectual property, you and VissoraX agree to resolve disputes arising from these Individual Terms or the Services through binding arbitration rather than in court.

Disputes must be brought only in an individual capacity and not as a plaintiff or class member in a class, collective, or representative proceeding.

Arbitration will be administered by a reputable provider, such as AAA, under its applicable rules. The arbitration location will be Florida unless the parties agree otherwise. The arbitrator may award the same damages and relief as a court.

You may opt out by emailing legal@vissorax.com within 30 days after first accepting these Individual Terms. State your name, account email, and that you opt out of arbitration.

23) GOVERNING LAW AND ELECTRONIC NOTICES

Except as required by arbitration rules, Florida law governs these Individual Terms without regard to conflict-of-law rules.

We may provide notices electronically by email, in-product notification, or a notice posted in the Services. You are responsible for keeping your contact information current.

24) FORCE MAJEURE, ASSIGNMENT, AND SEVERABILITY

VissoraX is not liable for delay or failure caused by events beyond its reasonable control, including natural disasters, war, terrorism, labor disputes, government action, power failures, or provider failures.

You may not assign these Individual Terms or your account rights without our written consent. We may assign them in connection with a merger, acquisition, corporate reorganization, or sale of assets.

If a provision is unenforceable, the remaining provisions remain in effect.

25) ENTIRE AGREEMENT AND CHANGES

These Individual Terms, together with the Privacy Policy, Refund Policy, and EULA, constitute the agreement between you and VissoraX for personal use of the Services and supersede prior understandings on that subject.

We may update these Individual Terms. If a change is material, we will notify you by email, in-product notification, or a prominent website notice. Continued use after notice means you accept the updated terms.

26) CONTACT

Support: support@vissorax.com

Legal: legal@vissorax.com

Address: 7901 4th St N #25669, St. Petersburg, Florida 33702, United States