Crumbli Terms of Service

Last updated June 23, 2026

These Terms of Service (this "Agreement") are a binding agreement between you ("you," "your," or "User") and Crumbli Services Inc., located at 211 - 540 18 Ave SW, Calgary, Alberta T2S 0C5, Canada ("Crumbli," "Company," "we," "us," or "our"), and govern your access to and use of the Crumbli application and related websites, services, and features (collectively, the "Services").

BY CREATING AN ACCOUNT, CLICKING TO ACCEPT, OR OTHERWISE ACCESSING OR USING THE SERVICES, YOU ARE INDICATING YOUR ACCEPTANCE TO BE BOUND BY THIS AGREEMENT. IF YOU DO NOT ACCEPT THIS AGREEMENT, YOU MUST NOT ACCESS OR USE THE SERVICES. IF YOU ARE DISSATISFIED WITH THIS AGREEMENT OR ANY RULES, POLICIES, GUIDELINES OR PRACTICES APPLICABLE TO THE SERVICES, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SERVICES.

IF YOU ARE ENTERING INTO THIS AGREEMENT ON BEHALF OF A COMPANY OR OTHER LEGAL ENTITY, YOU REPRESENT THAT YOU HAVE AUTHORITY TO BIND THAT ENTITY, AND "YOU" REFERS TO THAT ENTITY. IF YOU DO NOT AGREE, DO NOT ACCESS OR USE THE SERVICES.

We may amend any part of this Agreement by adding, deleting, or varying its terms from time-to-time in our discretion. We will provide you with notice of the proposed amendment by posting an amended version of this Agreement with a new "Last Updated" date on our website. We may also communicate the amendment by other methods. The amendments will take effect immediately after the date on which we provide notice of the amended version. Prior to that date, the previous version of this Agreement will continue to apply.

If you disagree with any amendments, you may terminate this Agreement by ceasing to use the Services at any time. If you do not cease using the Services after receiving notice of the amendment, then by your continued use, you are considered to have accepted the proposed amendments.

The Services
License and Scope of Use
Accounts and Eligibility
Third-Party Platforms and Integrations (QuickBooks, Xero)
Your Content and Data
Fees, Subscriptions, and Payment
Privacy
Intellectual Property
Not Tax, Accounting, or Legal Advice
Disclaimer of Warranties
Limitation of Liability
Indemnification
Term and Termination
Governing Law and Dispute Resolution
Contact Information
Miscellaneous

1. The Services

Crumbli provides the Services, which include a web and mobile application that lets businesses capture images of receipts, automatically parse and categorize the data in them (including for tax/accounting purposes), store and manage expense records, and — where you choose to connect a supported accounting platform such as Intuit QuickBooks Online or Xero — sync approved records to that platform. We reserve the right to update, add, or remove features from time to time without notice.

2. License and Scope of Use

Subject to this Agreement, we grant you a limited, worldwide, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services solely for your internal business purposes.

You may not, and may not permit any third party to:

(a) reverse engineer, decompile, disassemble, or attempt to derive the source code of the Services, except to the extent this restriction is prohibited by applicable law;

(b) copy, modify, translate, or create derivative works of the Services;

(c) rent, lease, lend, sell, resell, sublicense, or otherwise commercially exploit or make the Services available to any third party, except as expressly permitted under this Agreement;

(d) remove or alter any proprietary notices;

(e) use the Services for competitive analysis of the Services, to build a competing product, or for any other purpose that is to Company's commercial disadvantage;

(f) use the Services other than as permitted by this Agreement;

(g) use the Services in violation of any law, regulation or rule;

(h) use the Services to upload, collect, transmit, store, use or process, or ask Company to obtain from third parties, any data: (A) that you do not have the lawful right to copy, transmit, distribute and display (including any data that would violate any confidentiality or fiduciary obligations that you might have with respect to your clients); (B) for which you do not have the consent or permission from the owner of any Personal Information contained therein; (C) that infringes, misappropriates or otherwise violates any Intellectual Property or other proprietary rights of any third party; (D) that is tortious, defamatory, obscene or offensive; or (E) that violates, or encourages any conduct that would violate, any applicable law or regulation or would give rise to civil or criminal liability;

(i) use the Services to send, store, publish, post, upload or otherwise transmit any viruses, Trojan horses, worms, time bombs, corrupted files or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any systems, data, Personal Information or property of another;

(j) use the Services in a manner that interferes with or disrupts the integrity or performance of the Services; or

(k) use the Services if you are located in, or are a national or resident of, a country or territory subject to Canadian government sanctions, or if you are listed on any Canadian government list of sanctioned or restricted persons (including under Canada's Special Economic Measures Act, United Nations Act, or Justice for Victims of Corrupt Foreign Officials Act).

We reserve all rights not expressly granted to you.

3. Accounts and Eligibility

You must be at least 18 years old or reached the legal age of majority in your jurisdiction of residence, and be fully capable and competent of forming a binding contract to use the Services.

You may sign up for an account to use the Services, through your email address, third-party platform secure authorization or Single Sign-On. However you choose to sign into your account, you are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Notify us immediately of any unauthorized use.

You will provide true, accurate, current and complete information about yourself, and you agree not to misrepresent yourself. You represent and warrant that the information you provide is true, complete, and current, and you will keep it updated.

4. Third-Party Platforms and Integrations (QuickBooks, Xero)

The Services let you connect to third-party platforms, including Intuit QuickBooks Online and Xero ("Third-Party Platforms"). When you connect a Third-Party Platform, you authorize us to access, exchange, and process data with that platform on your behalf through its secure authorization ("OAuth") flow, solely to provide the Services to you.

Your use of each Third-Party Platform is governed by that platform's own terms and privacy policy (for example, Intuit's and Xero's). We are not responsible for Third-Party Platforms, their availability, or their acts or omissions, and we do not endorse them. A Third-Party Platform may change, limit, or discontinue its integration or API at any time, which may affect the Services. You acknowledge and agree that Crumbli will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such Third-Party Platforms.

You represent that you have the right to connect to each Third-Party Platform account you choose to connect with, and to authorize the data exchange described above. You can disconnect a Third-Party Platform at any time within the Services or from your account on that Third-Party Platform.

You agree to comply with the applicable terms of each Third-Party Platform when using it through the Services, and you will not use the Services in a way that causes us or you to violate those terms.

5. Your Content and Data

"Your Content" means the receipts, images, documents, expense data, and other materials you upload to or generate in the Services, and the data we receive from a Third-Party Platform on your behalf. As between you and us, you own Your Content.

You grant us a worldwide, perpetual, non-exclusive, royalty-free license to host, store, reproduce, process, transmit, display, and otherwise use Your Content solely to provide, secure, maintain, and improve the Services — including transmitting receipts to our AI subprocessor to extract and categorize their data (see our Privacy Policy), and syncing approved records to a Third-Party Platform you connect. We do not sell Your Content and do not use it to serve third-party advertising.

You are responsible for Your Content and represent that you have the rights, licenses, consents and permissions necessary to provide it, to grant the license set forth herein, and that Your Content does not infringe any third party's rights or violate any law. You agree that Crumbli is not responsible for any violations of any third party intellectual property rights in any Content that you submit to us.

You are responsible for maintaining your own copies of important records. While we maintain backups, you should not rely on the Services as your sole repository for records you are required to retain.

Feedback. If you send us ideas, suggestions, concepts, processes, techniques, or other feedback about the Services, or our business ("Feedback"), such Feedback will be our exclusive property without any compensation or other consideration payable to you by Crumbli, and you do so of your own free will and volition. Crumbli may or may not, in its sole discretion, use or incorporate the Feedback in whatever form or derivative Crumbli may decide into the Services, its software, documentation, business or other products or services, or any future versions or derivatives of the foregoing. You hereby assign all rights on a worldwide basis in perpetuity to Crumbli in any Feedback and, as applicable, waive any moral rights.

6. Fees, Subscriptions, and Payment

Some features of the Services require a paid subscription. Fees, billing frequency, and plan details are presented to you at the point of purchase. Current pricing for paid Services is available at crumbli.tech/pricing. Unless otherwise agreed to by Crumbli, fees for paid Services will be billed in advance for each subscription term that you have selected and are non-refundable. There will be no refunds or credits for partial months or years of service or for periods in which your account remains open but you do not use the Services.

Payments are processed by our third-party payment processor (Stripe). You agree that Crumbli, or our third party service providers, may store your credit or charge card information. You expressly agree that we are authorized to charge you (i) a fee for any applicable Services for which you have subscribed, billed on a basis of the relevant subscription period, (ii) any other fees for Services you may purchase, and (iii) any charges for use of the Services in excess of the usage or other limits placed on your use of the Services (and you hereby consent to such charges and agree we are not required to notify you of any such charge in advance) to the credit, charge or other card you provide and to reimburse us for all collection costs and interest for any overdue amounts.

Unless stated otherwise, paid subscriptions renew automatically for successive periods until cancelled. You may cancel as described in the Services; cancellation takes effect at the end of the then-current billing period.

Fees are exclusive of taxes, which you are responsible for. We reserve the right to modify our Fees at any time upon 30 days written notice by posting such fee changes to our website or the Services, or through email notification to you. You will be liable to pay such modified Fees.

7. Privacy

Our collection and use of personal information in connection with the Services is described in our Privacy Policy at https://crumbli.tech/privacy, which is incorporated into this Agreement by reference. If any of Your Content includes personal information, you shall be solely responsible for providing any required notices and obtaining any necessary consents to process the personal information within the Services and to disclose such information to Crumbli.

Crumbli may, but has no obligation to, monitor Your Content and the Services. You consent to such monitoring. We may disclose any information necessary or appropriate to satisfy our legal obligations, protect Crumbli or its customers, operate the Services properly, or improve the Services. Crumbli, in its sole discretion, may refuse to post, remove, or require you to remove, any of Your Content, in whole or in part, alleged to be unacceptable, undesirable, inappropriate, or in violation of this Agreement, including, but not limited to the Crumbli Privacy Policy.

8. Intellectual Property

The Services, including but not limited to, all software, text, graphics, design of and "look and feel", layout, photographs, and trademarks (other than Your Content), and all material provided by or through Crumbli, whether publicly posted or privately transmitted as well as all derivative works thereof, are owned by Crumbli, its licensors or other commercial partners and are protected by intellectual property laws. Except for the license in Section 2, nothing in this Agreement transfers any ownership to you.

Crumbli retains the right to use or share any Aggregated Data generated by anyone using the Services, including our users, for the purpose of enhancing and providing the Services. "Aggregated Data" means data that does not contain confidential or personal information and which has been manipulated or combined to provide generalized, anonymous information. You are still responsible for any and all personal information that is part of Your Content.

9. Not Tax, Accounting, or Legal Advice

The Services help you capture and organize expense information and suggest categories and tax classifications (including categories relevant to the Canada Revenue Agency). These suggestions are provided for convenience only and are not tax, accounting, or legal advice. AI-generated outputs may be inaccurate or incomplete. You are solely responsible for reviewing, correcting, and verifying all data and classifications and for your own tax filings and recordkeeping. We recommend you consult a qualified professional. You should not rely on the Services as a substitute for professional advice or for your obligation to keep accurate records.

10. Disclaimer of Warranties

YOUR USE OF THE SERVICES AND ALL CONTENT FORMING PART OF OR RELATED TO THE SERVICES, INCLUDING ANY CONTENT YOU UPLOAD OR SUBMIT AND ANY THIRD PARTY SOFTWARE AND CONTENT, ARE AT YOUR SOLE RESPONSIBILITY AND RISK. THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. CRUMBLI EXPRESSLY DISCLAIMS ALL REPRESENTATIONS, WARRANTIES, OR CONDITIONS OF ANY KIND WITH RESPECT TO THE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, PERFORMANCE, SYSTEM INTEGRATION, QUIET ENJOYMENT, TITLE, AND NON-INFRINGEMENT.

CRUMBLI DISCLAIMS ANY WARRANTY THAT THE SERVICES OR ANY CONTENT, INCLUDING WITHOUT LIMITATION ANY THIRD PARTY SOFTWARE AND CONTENT, WILL MEET YOUR REQUIREMENTS OR BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVERS THAT MAKES THE SERVICES AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU AGREE THAT FROM TIME TO TIME CRUMBLI MAY CEASE PROVIDING THE SERVICES FOR INDEFINITE PERIODS OF TIME WITHOUT NOTICE TO YOU. YOUR ACCESS AND USE OF THE SERVICES MAY BE INTERRUPTED FROM TIME TO TIME FOR ANY OF SEVERAL REASONS, INCLUDING, WITHOUT LIMITATION, THE MALFUNCTION OF EQUIPMENT, PERIODIC UPDATING, MAINTENANCE OR REPAIR OF THE SERVICES OR OTHER ACTIONS THAT CRUMBLI, IN ITS SOLE DISCRETION, MAY ELECT TO TAKE. CRUMBLI MAKES NO GUARANTEE REGARDING: (A) THE ACCURACY OF ANY INFORMATION GENERATED BY ARTIFICIAL INTELLIGENCE; OR (B) THE COMPATIBILITY OF ANY SOFTWARE, HARDWARE OR CONTENT WITH THE SERVICES.

CRUMBLI IS NOT RESPONSIBLE FOR THE ACTS OR OMISSIONS OF, OR FOR THE FAILINGS OF, ANY THIRD-PARTY PROVIDER OF ANY CONTENT, SERVICE, NETWORK, SOFTWARE OR HARDWARE, INCLUDING BUT NOT LIMITED TO, INTERNET SERVICE PROVIDERS, THIRD-PARTY PLATFORMS, HOSTING SERVICES UTILIZED BY CRUMBLI, TELECOMMUNICATIONS PROVIDERS, CONTENT PROVIDED BY OTHER USERS, OR ANY SOFTWARE OR HARDWARE NOT PROVIDED BY CRUMBLI.

YOU ARE SOLELY RESPONSIBLE FOR ENSURING THAT YOUR CONTENT IS COMPATIBLE WITH THE SERVICES. CRUMBLI DISCLAIMS ANY LIABILITY OR RESPONSIBILITY FOR ANY UNAUTHORIZED USE OF YOUR CONTENT BY THIRD PARTIES OR OTHER USERS OF THE SERVICES AND IS NOT RESPONSIBLE FOR PROTECTING YOUR CONTENT. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM CRUMBLI OR THROUGH OR FROM THE SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT.

THE SERVICES ARE OFFERED AND CONTROLLED BY CRUMBLI FROM ITS FACILITIES IN CANADA. CRUMBLI MAKES NO REPRESENTATIONS THAT THE SERVICES ARE APPROPRIATE OR AVAILABLE FOR USE IN OTHER LOCATIONS. THOSE WHO ACCESS OR USE THE SERVICES FROM OTHER JURISDICTIONS DO SO AT THEIR OWN VOLITION AND ARE RESPONSIBLE FOR COMPLIANCE WITH LOCAL LAW.

Some jurisdictions do not allow the exclusion of certain warranties; in that case, the above exclusions apply to the maximum extent permitted, and you may have additional rights that cannot be waived (for example, under applicable consumer protection law).

11. Limitation of Liability

YOU AGREE THAT, UNDER NO LEGAL THEORY, INCLUDING, BUT NOT LIMITED TO NEGLIGENCE, BREACH OF WARRANTY OR CONDITION, BREACH OF CONTRACT OR TORT, WILL CRUMBLI OR ITS OWNERS, OFFICERS, DIRECTORS, AFFILIATES, CONTRACTORS, EMPLOYEES OR AGENTS, BE LIABLE TO YOU OR ANY THIRD PARTY ACTING ON YOUR BEHALF FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES OR DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES OR THE COST OF ANY SUBSTITUTE EQUIPMENT, FACILITIES OR SERVICES (EVEN IF CRUMBLI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), ARISING FROM OR RELATING TO THIS AGREEMENT OR YOUR USE OF OR YOUR INABILITY TO USE THE SERVICES, OR FOR ANY DAMAGES ARISING FROM OR RELATED TO THIS AGREEMENT. CRUMBLI'S TOTAL AGGREGATE LIABILITY FROM ANY AND ALL CLAIMS UNDER THIS AGREEMENT IS LIMITED TO THE LESSER OF: (A) $100; AND (B) THE TOTAL AMOUNTS YOU PAID TO CRUMBLI IN THE 12 MONTHS IMMEDIATELY PRECEDING THE OCCURRENCE OF LOSS OR DAMAGE. TO THE EXTENT ANY PROVINCE, STATE OR JURISDICTION DOES NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, CRUMBLI'S LIABILITY IN SUCH PROVINCE, STATE OR JURISDICTION WILL BE LIMITED TO THE FURTHEST EXTENT PERMITTED BY LAW. NOTWITHSTANDING THE FOREGOING OR ANYTHING ELSE HEREIN TO THE CONTRARY, CRUMBLI WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY ACTING ON YOUR BEHALF IN ANY WAY WITH RESPECT TO YOUR PROVISION OF AN INDIVIDUAL'S PERSONAL INFORMATION TO CRUMBLI OR THROUGH THE SERVICES OR INFORMATION GENERATED BY ARTIFICIAL INTELLIGENCE. YOU FURTHER AGREE THAT THE FOREGOING LIMITATIONS WILL APPLY WITH RESPECT TO THIRD PARTY LIABILITY OF ANY KIND.

12. Indemnification

You agree to indemnify and hold harmless Crumbli and its officers, directors, employees, and agents from any claims, damages, liabilities, and reasonable expenses (including legal fees) arising out of: (a) Your Content; (b) your use of the Services in violation of this Agreement or applicable law; or (c) your violation of the rights of any third party, including a Third-Party Platform's terms.

13. Term and Termination

This Agreement applies while you use the Services. You may stop using the Services and close your account at any time.

Crumbli reserves the right at any time, and without cost, charge or liability, to terminate this Agreement at its sole discretion for any reason, including, but not limited to, a failure to comply with the terms of this Agreement. Crumbli reserves the right to modify, suspend or discontinue the Services, or any portion thereof, at any time and for any reason, with or without notice.

On termination, your license under this Agreement is terminated and you must stop using the Services. Crumbli is under no obligation to store Your Content and may delete Your Content immediately upon cancellation or may keep your Content for up to 90 days following the last day of the month of cancellation. Upon request from you, we will make available for access to you any of Your Content for 90 days from the effective date of termination of the Services.

Sections that by their nature should survive (including Sections 5, 8-12, 14, and 16) survive termination. We handle your data after termination as described in our Privacy Policy.

14. Governing Law and Dispute Resolution

This Agreement is governed by the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to conflict-of-laws rules. Subject to applicable law, you and Crumbli submit to the exclusive jurisdiction of the courts located in Calgary, Alberta for any dispute arising out of or relating to this Agreement or the Services.

15. Contact Information

For questions, support, complaints, or claims, contact:

Crumbli Services Inc. Attn: Joshua Kahn 211 - 540 18 Ave SW Calgary, Alberta T2S 0C5 Canada josh@crumbli.tech

16. Miscellaneous

Entire agreement. This Agreement and the Privacy Policy are the entire agreement between you and Crumbli regarding the Services and supersede prior agreements on that subject.

Severability. If any provision is held invalid, the remaining provisions remain in effect, and the invalid provision will be replaced by a valid one that most closely reflects the original intent.

No waiver. Our failure to enforce any provision is not a waiver.

Assignment. You may not assign this Agreement without our prior written consent. We may assign it in connection with a merger, acquisition, or sale of assets.

Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.