☁ Bilan AI

Terms of Service

Bilan AI — a product of Dependable Property LLC. Version 2.1 · Effective June 1, 2026

These Terms of Use ("Terms") are a binding agreement between you and Dependable Property LLC, doing business as Bilan AI ("Bilan AI", "we", "us"), governing your access to and use of the Bilan AI cloud accounting and ERP platform, websites, and related services (the "Services"). By creating an account, accessing, or using the Services, you agree to these Terms, our Privacy Notice, Acceptable Use Policy, and, where applicable, our Data Processing Addendum. If you do not agree, do not use the Services.

Contents
1. Acceptance of These Terms 2. Site Specific Terms 3. Privacy Notice 4. Updates 5. Site Content and Intellectual Property Rights 6. User Obligations 7. Use Restrictions (Acceptable Use Policy) 8. Registration Required for Portal Access 9. Indemnification 10. Disclaimer of Warranties 11. Limitation of Liability 12. Information Disclaimer 13. Off-Label Use 14. Security Statement & Encryption Whitepaper 15. Contacting Us 16. Text Messaging Program 17. Feedback and Submissions 18. User Experience 19. Social Media 20. Media Usage 21. Applicability of Terms with Our Other Sites 22. Linking Policy 23. Forward-Looking Statements 24. Newsletters 25. Calculations & GAAP Revenue Recognition Policy 26. Scheduled Events, Webinars & Training 27. Notice of Copyright Infringement (DMCA) 28. Governing Law 29. Jurisdiction; Venue 30. Electronic Contracts 31. Assignment 32. Severability; Waiver 33. Our Company 34. Entire Agreement 35. State Ombudsman / Consumer Assistance 57. Introduction 58. Joining and Using Bilan AI 59. Pricing, Billing & Subscription Management 60. Data Use, Privacy & Document Retention 61. Confidential Information 62. Security, Audit Trail & Immutability Statement 63. Apps and Third-Party Products 64. Service Level Agreement (SLA) — Maintenance, Uptime & Support 65. Do's and Don'ts 66. Termination 67. Liability and Indemnity 68. Disputes 69. Important Housekeeping

1. Acceptance of These Terms

These Terms of Use ("Terms") govern your access to and use of the Bilan AI website, platform, mobile applications, and all associated digital services (collectively, the "Site" or "Services"). By accessing any portion of the Site, you agree to be legally bound by these Terms.

You are deemed to have accepted these Terms: (a) upon your first access to any available page of the Site; (b) each time you subsequently access the Site; and (c) each time you access a login or authenticated portion of the Site through the use of your login credentials, single sign-on, or any other authentication mechanism.

By using the Site, you represent and warrant that: (i) you are at least 18 years of age; (ii) you have the legal capacity to enter into binding agreements; (iii) you are not barred from receiving services under applicable law; and (iv) your use of the Services will be in compliance with these Terms and all applicable laws and regulations.

Important NoticeThese Terms create a binding legal agreement between you and Bilan AI. We strongly encourage you to read them carefully and retain a copy for your records. Your continued use of the Service constitutes your ongoing acceptance.

2. Site Specific Terms

Certain features, products, tools, or areas of the Site may be subject to additional terms, conditions, guidelines, or policies ("Site Specific Terms") that supplement these general Terms of Use. In the event of any conflict, Site Specific Terms shall prevail with respect to the specific feature or area to which they apply.

Site Specific Terms may include, without limitation:

3. Privacy Notice

By accessing or using the Site, you confirm that you have read, understand, and acknowledge the Site's privacy notice(s) ("Privacy Notice"). The Privacy Notice describes our data collection, sharing, use, and other privacy practices for the Site and is incorporated herein by reference.

The full Privacy Notice is set out in Part B of this document. Material changes to the Privacy Notice will be communicated through prominent notice on our website, by email, or through in-product notifications. Continued use of the Services after such notice constitutes your acceptance of the updated Privacy Notice.

4. Updates

Bilan AI reserves the right to update, modify, revise, or otherwise change these Terms, the Site Specific Terms, the Privacy Notice, and any other policies or guidelines at any time and at our sole discretion.

Changes will not apply retrospectively. If we make changes and you are a subscriber, we will endeavour to provide at least 60 days' notice of material changes before they become effective, unless we are required to make immediate changes due to circumstances beyond our reasonable control (such as legal requirements or security emergencies).

Your continued use of the Services following the effective date of any changes constitutes your binding acceptance of those changes. If you find any modified term unacceptable, your sole remedy is to discontinue use of the Services.

5. Site Content and Intellectual Property Rights

All content, materials, features, and functionality available through the Site — including but not limited to text, graphics, logos, icons, images, audio/video clips, data compilations, software, and the design, compilation, look and feel of the Services — are the exclusive property of Bilan AI, its licensors, or other content suppliers and are protected by applicable intellectual property laws.

✓ Permitted Uses

  • Access and view Site content for your own lawful personal or business use
  • Download or print a single copy of content solely for non-commercial personal reference
  • Share links to Site content through standard social sharing functionality

✗ Prohibited Uses

  • Copying, reproducing, distributing, or transmitting any content without prior written consent
  • Modifying, creating derivative works from, or reverse engineering any portion of the Services
  • Using any content for commercial purposes without express written authorisation
  • Removing or altering any copyright, trademark, or other proprietary notices
  • Using automated tools (bots, scrapers, crawlers) to collect or extract content

The Bilan AI name, logo, and all related product and service names, design marks, and slogans are trademarks of Bilan AI or its affiliates. You may not use our trademarks in any manner without our prior written approval.

6. User Obligations

6.1 Account Information

You agree to provide accurate, current, and complete information when creating your account and to promptly update such information. You are solely responsible for all activities that occur under your account.

6.2 Confidentiality of Credentials

You are responsible for safeguarding your username, password, and any other authentication credentials. You agree not to share your credentials with any third party and to use strong, unique passwords that are not easily guessable. If you suspect your account has been compromised, notify us immediately at security@aibilan.com.

6.3 Lawful Use

You agree to use the Services only for lawful business purposes. You must not use the Services to engage in any activity that is illegal, harmful, fraudulent, or that violates the rights of others.

6.4 Data Accuracy

You are solely responsible for the accuracy, quality, integrity, legality, reliability, and appropriateness of all data you submit to the Services. Bilan AI is not responsible for any inaccuracies in your data or for any legal, tax, or compliance consequences arising from your reliance on outputs generated from inaccurate data.

6.5 Compliance with Tax and Legal Obligations

You are solely responsible for verifying the accuracy of any information that you use from the Services for your legal, tax, and compliance obligations. Bilan AI's Services are tools to assist you, but they do not constitute professional legal, tax, or accounting advice.

7. Use Restrictions (Acceptable Use Policy)

Acceptable Use Policy (AUP) — Last Updated: 2026-06-01
This section constitutes the full Acceptable Use Policy for Bilan AI. It applies to all subscribers, invited users, and anyone accessing the Services.

You expressly agree not to engage in any of the following prohibited activities. Violation may result in immediate suspension or termination of your access, and may subject you to civil and criminal liability.

7.1 System Integrity

  • Undermine, circumvent, or compromise the security or integrity of any Bilan AI computing systems, networks, or servers
  • Attempt to gain unauthorised access to any system, network, or data
  • Introduce, upload, or transmit any computer virus, worm, Trojan horse, spyware, adware, or other malicious code
  • Conduct denial-of-service attacks or engage in any activity that impairs or disrupts the functioning of the Services
  • Probe, scan, or test the vulnerability of any Bilan AI system, network, or security controls without prior written authorisation

7.2 Intellectual Property

  • Modify, copy, adapt, reproduce, disassemble, decompile, or reverse engineer any part of the Services
  • Create derivative works based upon the Services or any content therein
  • Use any data mining, robots, scraping, or similar data gathering or extraction methods
  • Remove, alter, or obscure any copyright, trademark, or other proprietary notices

7.3 Commercial Restrictions

  • Resell, lease, sublicense, or otherwise commercially exploit the Services without express written permission
  • Repackage or resell any leads, data, or outputs accessed through the Services
  • Use the Services to develop competing products or services
  • Access the Services to benchmark or compare functionality for competitive intelligence without written permission

7.4 Content and Conduct

  • Share, post, or transmit any content that is unlawful, defamatory, obscene, harassing, or otherwise objectionable
  • Engage in fraudulent, deceptive, or misleading practices through the Services
  • Act in any manner that is abusive or disrespectful toward Bilan AI employees, partners, or other customers
  • Impersonate any person or entity or misrepresent your affiliation with any person or entity
  • Upload, store, or process financial data that you are not authorised to manage on behalf of the relevant entity

7.5 Financial Data Integrity

  • Enter, import, or manipulate financial data with the intent to create false, misleading, or fraudulent financial records
  • Use the Services to facilitate money laundering, tax evasion, or any financial crime
  • Tamper with, delete, or alter immutable audit trail records
  • Generate, export, or use financial reports for purposes that violate applicable accounting standards (GAAP, IFRS) or regulatory requirements

7.6 AI and Automated Features

  • Attempt to circumvent, manipulate, or exploit any AI-powered features, categorisation engines, or automated workflows within the Services
  • Use AI-generated outputs from the Services as the sole basis for material financial, tax, or legal decisions without professional review
  • Input data into AI features for the purpose of training competing AI models or extracting model behaviour
⚠ Enforcement Bilan AI reserves the right to investigate any suspected violation and to take action including removing content, suspending access, terminating accounts, and referring matters to law enforcement authorities without prior notice where circumstances warrant.

8. Registration Required for Portal Access

Access to certain features and areas of the Services requires you to register for an account ("Portal Access"). By registering, you agree to: (a) provide accurate and complete registration information; (b) maintain the security of your account credentials; (c) accept all risks of unauthorised access resulting from your failure to adequately protect your credentials; and (d) promptly notify Bilan AI of any unauthorised use of your account.

Each registered account is for a single user. You may not share your account credentials with others or create multiple accounts to circumvent restrictions. Bilan AI reserves the right to refuse registration to any person or entity at our sole discretion.

9. Indemnification

To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Bilan AI and its parent companies, subsidiaries, affiliates, officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any and all claims, liabilities, damages, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising out of or relating to:

This indemnification obligation will survive the termination of these Terms and your use of the Services. Bilan AI will take reasonable mitigation measures where possible.

10. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES AND ALL CONTENT, MATERIALS, INFORMATION, AND SOFTWARE MADE AVAILABLE THROUGH THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

PROBOOKS AI EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO: (A) IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT; (B) WARRANTIES THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR BE AVAILABLE ON AN UNINTERRUPTED, SECURE, OR ERROR-FREE BASIS; (C) WARRANTIES REGARDING THE QUALITY, ACCURACY, TIMELINESS, TRUTHFULNESS, COMPLETENESS, OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICES.

Consumer Rights NoticeIn some countries, you may have non-excludable statutory rights as a consumer. Nothing in these Terms excludes, restricts, or modifies any right or remedy that you have under applicable consumer protection legislation that cannot be excluded, restricted, or modified by agreement.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PROBOOKS AI AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, AND LICENSORS SHALL NOT BE LIABLE FOR: ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES; LOSS OF PROFITS, REVENUE, GOODWILL, DATA, BUSINESS, OR ANTICIPATED SAVINGS; LEGAL, TAX, OR ACCOUNTING COMPLIANCE ISSUES ARISING FROM YOUR USE OF THE SERVICES; OR DAMAGE TO REPUTATION OR LOSS IN CONNECTION WITH ANY OTHER CONTRACT.

IN ANY CASE, PROBOOKS AI's TOTAL AGGREGATE LIABILITY TO YOU SHALL NOT EXCEED THE TOTAL FEES YOU PAID TO PROBOOKS AI IN THE 12-MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

For loss or corruption of your data, our liability will be limited to taking reasonable steps to try and recover that data from available backups. We do not guarantee that recovery will be possible or complete.

12. Information Disclaimer

The information provided through the Services is for general informational purposes only and does not constitute professional advice of any kind, including but not limited to legal, financial, tax, accounting, investment, or business advice. Any reliance you place on information provided through the Services is strictly at your own risk. We strongly encourage you to seek the advice of qualified professionals before making any significant business, financial, legal, or tax decisions.

13. Off-Label Use

The Services are designed and intended for specific purposes as described in our product documentation. Any use of the Services for purposes other than those for which they were designed and intended ("Off-Label Use") is undertaken entirely at your own risk. Bilan AI does not warrant the fitness, accuracy, or reliability of the Services for Off-Label Uses, and shall have no liability whatsoever for any harm, loss, or damage resulting from Off-Label Use.

14. Security Statement & Encryption Whitepaper

Security & Encryption Whitepaper — This section summarises Bilan AI's full security posture. Contact security@aibilan.com for the detailed technical whitepaper.

Bilan AI has implemented industry-standard technical, administrative, and physical safeguards designed to protect your data. Our security measures include:

Encryption Standards Summary

LayerStandardKey Length
Data in TransitTLS 1.2 / TLS 1.32048-bit RSA / ECDHE
Data at RestAES-256-GCM256-bit
Database EncryptionTransparent Data Encryption (TDE)256-bit
Backup EncryptionAES-256256-bit
Password Hashingbcrypt / Argon2Cost factor ≥ 12

Breach Notification

In the event of a security incident that affects your personal data, Bilan AI will:

  • Notify affected subscribers within 72 hours of becoming aware of a notifiable breach (as required under GDPR and applicable laws)
  • Provide information about the nature of the breach, data affected, likely consequences, and remediation steps
  • Report to applicable data protection authorities as required by law

No method of electronic transmission or storage is 100% secure. Report any suspected vulnerabilities immediately to security@aibilan.com.

15. Contacting Us

General Enquiries
support@aibilan.com
Legal Notices
legal@aibilan.com
Privacy Requests
privacy@aibilan.com
Security Issues
security@aibilan.com

16. Text Messaging Program

16.1 Consent and Enrollment

By providing your mobile phone number and opting in, you expressly consent to receive recurring automated text messages from Bilan AI. Consent to receive marketing text messages is not a condition of purchasing any products or services.

16.2 Message Frequency and Charges

Message frequency varies based on your account activity. Standard message and data rates may apply. You are responsible for all charges imposed by your mobile carrier.

16.3 Opt-Out

Reply STOP to any text message at any time to opt out. Reply HELP for help.

17. Feedback and Submissions

If you submit suggestions, ideas, enhancement requests, recommendations, or any other feedback regarding the Services ("Feedback"), you agree that: (a) your Feedback is not confidential; (b) Bilan AI may use, copy, modify, publish, and otherwise exploit your Feedback for any purpose without restriction or compensation to you; and (c) you irrevocably assign to Bilan AI all intellectual property rights in such Feedback. Bilan AI is under no obligation to review, consider, implement, or respond to any Feedback.

18. User Experience

Bilan AI continuously monitors, tests, and improves our Services based on user behaviour, feedback, and industry best practices. We may conduct A/B testing, collect usage analytics, make interface changes, and provide onboarding flows. We are committed to accessibility and strive to meet or exceed WCAG 2.1 Level AA standards. Contact support@aibilan.com for accessibility issues.

19. Social Media

Content you post on social media platforms is subject to that platform's terms of service. By tagging Bilan AI in public social media posts, you grant us a non-exclusive, royalty-free licence to use that content for marketing purposes. Our social media pages are not secure channels — do not share sensitive account information through social media.

20. Media Usage

Any media content published through the Services is protected by copyright. Unless otherwise stated, all media is owned by Bilan AI or licensed to us. You may not reproduce, distribute, or transmit any media from the Services without our prior written permission.

21. Applicability of Terms with Our Other Sites

Bilan AI may operate multiple websites, applications, and digital properties. Unless otherwise specified, these Terms apply to all such properties. When you navigate from one Bilan AI property to another, these Terms continue to apply unless the other property presents different terms.

22. Linking Policy

You may link to our publicly accessible pages provided that you do so in a fair and legal manner, do not suggest any association or endorsement where none exists, do not use our brand assets without consent, and the linking site does not contain objectionable content. Framing, inline linking, or embedding our Site content within another website without our permission is expressly prohibited.

23. Forward-Looking Statements

The Services may contain forward-looking statements about Bilan AI's plans, objectives, financial condition, results of operations, or future performance. These statements involve known and unknown risks and uncertainties that may cause actual results to differ materially. Bilan AI does not undertake any obligation to update or revise forward-looking statements.

24. Newsletters

By subscribing to our newsletters, you consent to receive email communications at the address you provide.

25. Calculations & GAAP Revenue Recognition Policy

GAAP Revenue Recognition Policy — Bilan AI complies with ASC 606 (US GAAP) and IFRS 15 for revenue recognition. This section is provided for auditor reference. Last Updated: 2026-06-01.

The Services may include tools, calculators, or features that perform financial, tax, payroll, or other calculations. These are provided for informational purposes only and may not reflect the most current regulatory requirements or be appropriate for your specific circumstances. Bilan AI does not warrant the accuracy of any calculations.

25.1 Revenue Recognition Framework (ASC 606 / IFRS 15)

Bilan AI recognises revenue in accordance with the five-step model under ASC 606 and IFRS 15:

  1. Identify the contract: We identify each subscription agreement as a contract with enforceable rights and obligations.
  2. Identify performance obligations: Distinct performance obligations include platform access, onboarding services, and professional services where applicable.
  3. Determine the transaction price: Transaction price is the subscription fee net of applicable discounts, credits, and taxes.
  4. Allocate the transaction price: Where multiple performance obligations exist, the transaction price is allocated on a relative standalone selling price basis.
  5. Recognise revenue: Subscription revenue is recognised ratably over the subscription period. Set-up or onboarding fees are recognised over the estimated customer relationship period.

25.2 Subscription Revenue

Monthly and annual subscription fees are recognised on a straight-line basis over the subscription term. Annual subscriptions paid upfront are recorded as deferred revenue and recognised monthly. Refunds, credits, and adjustments reduce recognised revenue in the period granted.

25.3 Audit Trail and Immutability

Bilan AI maintains an immutable audit trail for all financial transactions recorded within the platform. This includes:

  • Timestamped, tamper-evident logs of all journal entries, edits, and deletions
  • User attribution for every transaction (who created, modified, or approved)
  • Before-and-after values preserved for all data modifications
  • Audit trail records cannot be deleted, even by system administrators
  • Audit logs retained for a minimum of 7 years to satisfy tax and legal obligations
Auditor Note: Bilan AI's Strict Audit Trail is permanently enabled for all organisations and cannot be disabled. Third-party auditors may request audit log exports via security@aibilan.com.

25.4 Disclaimer

You are solely responsible for verifying calculations against applicable legal and regulatory requirements. We strongly recommend having a qualified professional review all significant financial and tax calculations. Bilan AI does not warrant the accuracy of any calculations performed by the Services.

26. Scheduled Events, Webinars & Training

Bilan AI may host webinars, online training sessions, in-person conferences, CPD (Continuing Professional Development) events, and other educational or product events ("Events"). Participation in Events may be subject to additional event-specific terms communicated at registration.

Event Recordings

  • Events may be recorded and shared with registrants, made available in our resource library, or published publicly
  • By participating in an Event, you consent to being recorded and to your name and likeness appearing in recordings where you actively participate
  • If you do not wish to be recorded, you may attend with your camera and microphone disabled

Content Disclaimer

Content presented at Events is for informational and educational purposes only and does not constitute professional legal, tax, accounting, or financial advice. Bilan AI makes no warranties regarding the accuracy or completeness of Event content. Attendees should seek qualified professional advice before acting on any information presented.

Cancellation & Rescheduling

  • Bilan AI reserves the right to cancel, postpone, or reschedule any Event and will provide reasonable advance notice where possible
  • For paid Events, a full refund will be issued in the event of cancellation by Bilan AI
  • Registered attendees who cancel more than 48 hours prior to a paid Event may request a refund or credit

CPD Credits

Where Bilan AI Events are approved for CPD credit by a recognised professional body, this will be stated clearly in the Event details. Bilan AI is not responsible for determining whether an Event qualifies for CPD credit under your specific professional membership requirements.

27. Notice of Copyright Infringement (DMCA)

Bilan AI respects intellectual property rights and complies with the Digital Millennium Copyright Act (DMCA) and equivalent legislation in applicable jurisdictions. If you believe that content available through our Services infringes a copyright you own or control, please submit a written notice to our designated Copyright Agent containing all of the following:

Copyright Agent Contact

Postal
Copyright Agent, Dependable Property LLC (d/b/a Bilan AI), Grayson, Georgia 30017, USA

Counter-Notice Procedure

If you believe that content was removed in error, you may submit a counter-notice to our Copyright Agent. A valid counter-notice must include: your electronic or physical signature; identification of the removed content and its former location; a statement under penalty of perjury that you have a good-faith belief the content was removed in error; your name, address, and telephone number; and consent to jurisdiction of the federal courts in the district where you reside or, if you reside outside the United States, the U.S. District Court for the Northern District of Georgia.

⚠ Warning: Submitting a false or bad-faith notice or counter-notice may expose you to liability for damages including costs and legal fees under the DMCA and equivalent laws.

28. Governing Law

These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of the State of Georgia, United States, and applicable U.S. federal law, without regard to conflict-of-law principles. If you access the Services from a jurisdiction whose mandatory consumer-protection laws provide additional rights, those laws may also apply to the extent required.

29. Jurisdiction; Venue

Subject to the dispute resolution provisions in Part C, Section 68, and to the extent litigation is permitted, you agree to submit to the exclusive jurisdiction of the state and federal courts located in the State of Georgia, United States. If you are a consumer residing outside the United States, you may also have the right to bring proceedings in the courts of your country of residence to the extent required by mandatory local law.

30. Electronic Contracts

These Terms may be entered into electronically and are governed by the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN) and the Georgia Uniform Electronic Transactions Act. You acknowledge that these Terms constitute a binding contract formed electronically and that electronic acceptance is as legally valid as a handwritten signature.

31. Assignment

You may not assign, transfer, or delegate any of your rights or obligations under these Terms without our prior written consent. Any purported assignment without such consent shall be null and void. Bilan AI may freely assign these Terms or any of our rights or obligations in connection with a merger, acquisition, sale of substantially all assets, corporate reorganisation, or operation of law.

32. Severability; Waiver

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect. No waiver by Bilan AI of any breach or default of these Terms shall be deemed a waiver of any subsequent breach or default.

33. Our Company

Bilan AI is a trade name of Dependable Property LLC, a limited liability company organized under the laws of the State of Georgia, United States. Bilan AI is operated by a single legal entity. We do not operate through overseas subsidiaries, affiliates, or a group of companies.

EntityJurisdictionRole
Dependable Property LLC (d/b/a Bilan AI)Georgia, United StatesSole operating entity, service provider, and data controller

Your contractual relationship is with Dependable Property LLC (d/b/a Bilan AI), and billing is issued by this entity.

34. Entire Agreement

These Terms, together with the Privacy Notice, any Site Specific Terms, and any other policies or guidelines incorporated herein by reference, constitute the entire agreement between you and Bilan AI with respect to the subject matter hereof and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral.

35. State Ombudsman / Consumer Assistance

Depending on your jurisdiction, you may have the right to contact a government ombudsman or consumer protection agency if you have an unresolved complaint. We encourage you to contact us directly first.

JurisdictionAuthorityWebsite
United States (Federal)Federal Trade Commission (FTC)ftc.gov / reportfraud.ftc.gov
Georgia (State)Georgia Attorney General — Consumer Protection Divisionconsumer.georgia.gov
California residentsCalifornia Attorney General / DFPIoag.ca.gov

SaaS Terms of Use — Bilan AI Specific

57. Introduction

Welcome to Bilan AI! These SaaS-specific Terms complement and build upon the General Terms of Use in Part A and the Privacy Notice in Part B. Together, they form your complete agreement with Bilan AI.

Key Terms Defined Subscriber: A person or entity that creates and pays for a Bilan AI subscription.
Invited User: A person (other than the subscriber) who has been invited to use the Services through a subscription.
Organisation: A business entity set up within Bilan AI for the purpose of using our accounting and financial Services.
Services: All current and future products and services provided by Bilan AI.

58. Joining and Using Bilan AI

58.1 Creating a Subscription

When you create a subscription and accept these Terms, you become a subscriber. You are responsible for paying the applicable subscription fees and for all activities that occur under your subscription.

58.2 Invited Users

Invited users must also accept these Terms to use the Services. As a subscriber, you are responsible for all activity by your invited users. You should carefully consider the permissions you grant, as different user roles have different levels of access.

58.3 User Roles and Access

Bilan AI provides a role-based access control system. Common roles include: Owner, Admin, Standard User, and Custom roles (where available). You can change or revoke access at any time.

58.4 Partner Program

If you participate in our partner program as an accounting or advisory professional, additional partner terms apply.

58.5 Your Responsibilities as a Subscriber

  • Keep your contact and billing information up to date
  • Provide true, accurate, and complete information and verify its accuracy for compliance purposes
  • Protect your username and password — use strong, unique, not easily guessable credentials
  • Resolve any disputes with your invited users regarding subscription access
  • Be responsible for all your invited users' activity under your subscription

59. Pricing, Billing & Subscription Management

59.1 Subscription Tiers

FeatureStarterBusinessEnterprise
Users Included1Up to 5Unlimited
Organisations1Up to 3Unlimited
AI FeaturesBasicFullFull + Custom
Audit Trail✓ Permanent✓ Permanent✓ Permanent
SLA Uptime99.5%99.9%99.95%
SupportEmailPriorityDedicated CSM

Current pricing for each tier is published at aibilan.com/pricing. Prices are subject to change with 60 days' notice for existing subscribers.

59.2 Subscription Fees

Unless you are in a free trial or promotional offer period, use of the Services requires payment of a monthly or annual subscription fee based on your selected pricing plan. Annual plans are billed upfront and recorded as deferred revenue, recognised monthly per our GAAP Revenue Recognition Policy (Section 25).

59.3 Free Trials

New subscribers may be eligible for a free trial period (typically 30 days). No credit card is required to start a trial. If you choose to continue after the trial, you will be billed according to your selected plan when you add your billing details. If you choose not to continue, you may delete your organisation before the trial ends to avoid charges. Trial data is retained for 30 days post-expiry before deletion.

59.4 Auto-Renewal

Your subscription automatically renews at the end of each billing period at the then-current price for your plan, unless you terminate in accordance with Section 66. We will send you a renewal reminder at least 14 days before your billing date and notify you separately of any price changes at least 60 days before they take effect.

59.5 Taxes

Subscription fees may be stated inclusive or exclusive of applicable taxes (such as GST, VAT, or sales tax) depending on your region. Where required by law, Bilan AI will collect and remit applicable taxes. You are responsible for all other external fees and taxes associated with your use of the Services. Tax invoices are available from your billing portal.

59.6 Refund Policy

Refund Policy
Monthly plans: No refunds for partial months. Cancel any time; access continues until the end of the billing period.
Annual plans: A pro-rated refund may be issued within 30 days of purchase if you cancel for a valid reason. After 30 days, no refunds are issued but access continues until the end of the annual term.
Free trials: No charges apply; simply do not add billing details or delete your organisation before trial expiry.
Refund requests: billing@aibilan.com

59.7 Late Payments

⚠ Late Payment Consequences
After 7 days past due: Bilan AI may suspend your subscription (read-only access may be maintained).
After 14 days past due: Bilan AI may terminate your subscription and archive your data.
You can reactivate a suspended or terminated subscription by paying all outstanding fees in full. Reactivation restores full access within 24 hours of payment confirmation.

60. Data Use, Privacy & Document Retention

60.1 Data Ownership

You own all financial data, records, documents, and content you create or upload into the Services ("Your Data"). Bilan AI claims no ownership rights over Your Data. Upon subscription termination, you retain the right to export Your Data in standard formats (CSV, PDF) for a period consistent with our data retention policy.

60.2 Licence to Use Your Data

When you enter or upload data into our Services, you grant us a limited, non-exclusive, royalty-free licence to use, copy, transmit, store, analyse, and back up all data you submit solely in order to: provide and improve the Services; develop new features; communicate with you; and share with authorised sub-processors listed in our Sub-processor List. We will never use Your Data to train AI models for commercial sale to third parties without your explicit consent.

60.3 Your Personal Data

Our Privacy Notice (Part B of this document and the Privacy Notice tab) describes how we process personal data that you enter into Bilan AI about yourself, your organisation, and your team members.

60.4 Data Processed on Your Behalf

Our Data Processing Addendum (DPA) governs how we process personal data on your behalf as a data processor. By accepting these Terms, you also accept our DPA. A copy of the DPA is available in Section 46 of the Privacy Notice tab, or by request to privacy@aibilan.com.

60.5 Anonymised & Aggregated Data

We may create anonymised, aggregated statistical data from your data and usage of the Services. Once anonymised such that no individual or organisation can reasonably be identified, we may use this data for our own purposes, including to identify industry trends, publish benchmarking reports, and improve the Services. Such data is not considered Your Data and does not belong to you.

60.6 Document Retention

Financial records, journal entries, and audit logs are retained in accordance with our Document Retention Schedule. The minimum retention period for transaction and financial data is 7 years, consistent with applicable tax and accounting regulations. See Section 47 of the Privacy Notice and Section 25.3 of these Terms for full details.

60.7 Data Export and Portability

  • You may export your chart of accounts, transactions, contacts, and reports at any time via the Services export features
  • Standard export formats: CSV, XLSX, PDF, and where available, JSON or XML
  • After termination, data export is available for 90 days. After this period, Your Data will be archived and then deleted per the Retention Schedule
  • To request a data export after account closure, contact privacy@aibilan.com

61. Confidential Information

Both parties agree to:

Confidential information does not include information that: (a) is or becomes publicly available through no breach of these Terms; (b) was already known to the receiving party; (c) is independently developed by the receiving party; or (d) is required to be disclosed by law or court order.

62. Security, Audit Trail & Immutability Statement

Audit Trail & Immutability Statement — Bilan AI maintains a permanent, tamper-evident audit trail for all financial data. This statement is provided for auditor and compliance reference. Last Updated: 2026-06-01.

62.1 Our Security Safeguards

We have invested in technical, physical, and administrative safeguards including end-to-end encryption, access controls, regular security assessments, and independent SOC 2 Type II audits. Full details are set out in Section 14 (Security Statement & Encryption Whitepaper).

62.2 Immutable Audit Trail

Bilan AI's accounting engine is built on an immutable ledger architecture. The audit trail cannot be disabled, modified, or deleted by any user, including system administrators. Specifically:

  • Every create, read (where material), update, and delete action on financial records is logged with a tamper-evident timestamp
  • All journal entries — including AI-assisted categorisations — are permanently attributed to the acting user or system process
  • Voided or reversed transactions remain visible in the audit log; they are never hard-deleted
  • Before-and-after field values are captured for every data modification
  • Audit logs are cryptographically signed to detect unauthorised tampering
  • Audit trail data is replicated across multiple availability zones for redundancy
  • Audit logs are retained for a minimum of 7 years in compliance with GAAP, IRS Revenue Procedure 98-25, HMRC, IRD, and ATO requirements
⚠ Permanent Setting: Strict Audit Trail is permanently enabled for all organisations on Bilan AI and cannot be disabled under any circumstances. Attempts to circumvent the audit trail constitute a material breach of these Terms.

62.3 Auditor Access

Subscribers may grant read-only auditor access to their organisation. External auditors with appropriate access permissions can:

  • View the complete transaction history and audit log for any period
  • Export audit trail records in CSV or PDF format
  • Access bank reconciliation records, journal entry approvals, and system-generated entries
  • Request a formal Audit Log Export Report by contacting security@aibilan.com

62.4 Account Security Features

We offer security features including multi-factor authentication (MFA), single sign-on (SSO), IP allowlisting (Enterprise plans), and session timeout controls. Where security features are optional, we strongly encourage their use. We are not liable for consequences arising from your choice not to enable available optional security features.

62.5 Your Security Responsibilities

  • Keep your login details secure and do not share them with others
  • Ensure strong security on your own systems, devices, and networks
  • Immediately notify us of any unauthorised use of your password or account breach at security@aibilan.com
  • Do not store sensitive data (credit card numbers, tax identifiers, bank details) in free-form text fields not designed for that purpose
  • Regularly review and update your security settings, including MFA enrollment and user access levels
  • Promptly revoke access for users who leave your organisation

63. Apps and Third-Party Products

63.1 Third-Party Services

Some Bilan AI features are delivered through third-party services. These third parties have their own terms that apply to your use of their services.

63.2 Bank Feeds

Automated bank feeds may be enabled through third-party providers including Yodlee. Use of Yodlee-enabled bank feeds is subject to separate Yodlee terms. Bank feeds are generally provided at no charge but may have associated fees which we will communicate in advance.

63.3 Bilan AI App Store

The Bilan AI App Store allows you to discover and connect third-party apps to your subscription. Third-party apps are subject to their providers' own terms and privacy policies — please read these carefully before connecting.

63.4 Third-Party Terms

Third-party products and services are independent of Bilan AI. We do not endorse or assume responsibility for any third-party products, their accuracy, availability, or compliance with applicable laws.

63.5 Revenue Sharing

Some third-party providers may pay Bilan AI referral fees or revenue share. We are transparent about these arrangements and they do not influence our editorial or listing decisions.

64. Service Level Agreement (SLA) — Maintenance, Uptime & Support

Service Level Agreement (SLA) — Last Updated: 2026-06-01 · This SLA applies to all paid subscription tiers.

64.1 Uptime Commitment

Plan TierMonthly Uptime TargetMaximum Allowed Downtime / Month
Starter99.5%~3.6 hours
Business99.9%~43 minutes
Enterprise99.95%~22 minutes

Uptime is measured on a calendar-month basis, excluding scheduled maintenance windows. The Bilan AI platform status is published in real time at status.aibilan.com.

64.2 Scheduled Maintenance

We strive to maintain high availability of the Services and provide 24/7 online support. Occasionally, we need to perform scheduled maintenance. We will attempt to notify you at least 48 hours in advance via our status page and in-app banner. Scheduled maintenance is excluded from uptime calculations.

64.3 Support Response Times

PriorityDescriptionFirst ResponseResolution Target
P1 — CriticalComplete service outage; data loss risk1 hour4 hours
P2 — HighMajor feature unavailable; significant workflow impact4 hours24 hours
P3 — MediumNon-critical feature impaired; workaround available1 business day5 business days
P4 — LowMinor issue; cosmetic or informational2 business daysNext release

64.4 Unplanned Downtime

Despite our best efforts, unplanned outages may occur. We will work to restore Services as quickly as possible and will communicate status updates through our status page at status.aibilan.com at minimum every 30 minutes during an active incident.

64.5 Data Loss

Data loss is an inherent risk with any technology service. You are responsible for maintaining copies of your data. We maintain rolling backups with a recovery point objective (RPO) of no more than 1 hour and a recovery time objective (RTO) of no more than 4 hours for business-critical systems.

64.6 Service Credits

Monthly Uptime AchievedService Credit (% of Monthly Fee)
99.5% – < Committed SLA5%
99.0% – < 99.5%10%
95.0% – < 99.0%20%
< 95.0%30%
⚠ Credit Claims Service credit requests must be submitted in writing to billing@aibilan.com within 21 days of the downtime event. Credits are applied to future invoices and are not redeemable for cash. Credits are not payable for: scheduled maintenance; events beyond our control (force majeure); downtime caused by your use or configuration; or failures in your own equipment or network.

65. Do's and Don'ts

Things You May Do ✓

  • Use the Services for lawful business purposes in accordance with these Terms
  • Invite other users to your subscription and manage their access levels
  • Export your data at any time using the available export features
  • Connect compatible third-party apps and services
  • Provide feedback and suggestions for product improvements
  • Transfer your subscription to a new subscriber in accordance with these Terms

Things You Must Not Do ✗

  • Undermine the security or integrity of our computing systems, networks, or data
  • Use the Services in any way that impairs functionality or interferes with other users
  • Access any system, account, or data without authorisation
  • Introduce or upload viruses, malware, or any malicious code
  • Share content that violates any law or infringes on the rights of others
  • Modify, decompile, or reverse engineer any part of the Services
  • Resell, sublicense, or otherwise provide the Services to third parties without authorisation
  • Repackage or resell any leads or data accessed through the Services
  • Commit fraud or any other illegal acts through the Services
  • Engage in any abusive or disrespectful conduct toward Bilan AI staff, partners, or other users

Fair Use

We offer our Services in a way that encourages responsible use. If your use is excessive or unreasonable, we will notify you and ask you to adjust your usage within 14 days. Continued violations may result in suspension or termination.

66. Termination

66.1 Termination by You

You may terminate your subscription at any time by providing Bilan AI with one month's written notice. Notice may be given through the account settings in the Services or by emailing billing@aibilan.com. You remain responsible for subscription fees through the end of your notice period.

66.2 Termination by Bilan AI

Bilan AI may terminate your subscription at any time by providing you with one month's written notice. We may also terminate or suspend your subscription immediately if:

  • You breach any of these Terms and fail to remedy the breach within 14 days of notice
  • You breach any Term that cannot be remedied
  • You or your business becomes insolvent, enters liquidation, or is subject to an insolvency proceeding

66.3 Effect of Termination

Upon termination: (a) your right to access the Services ceases; (b) your data is archived and no longer accessible; (c) no refund is due for fees already paid; and (d) all provisions of these Terms that by their nature should survive termination shall survive.

66.4 Data After Termination

Following termination, your data is archived for a period consistent with our data retention policy to allow for reactivation and to meet our legal obligations. You may request complete deletion of your data by contacting us at privacy@aibilan.com.

67. Liability and Indemnity

67.1 Your Indemnification Obligation

You indemnify Bilan AI and our affiliates, officers, directors, employees, and agents against all losses, costs (including legal costs), and liabilities arising from third-party claims connected to: your use of the Services; your violation of these Terms; or your violation of any applicable law or third-party rights. This indemnification does not apply to losses arising from our own breach, gross negligence, or wilful misconduct.

67.2 Disclaimer of Warranties

The Services and all third-party products are provided on an "as is" and "as available" basis. We disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

67.3 Limitation of Liability

  • We have no liability for loss of revenue, profit, goodwill, customers, capital, anticipated savings, or reputational damage
  • We have no liability for indirect, consequential, incidental, punitive, or special losses
  • For data loss or corruption, our liability is limited to taking reasonable steps to recover data from available backups
  • Our total aggregate liability in any 12-month period is limited to the total fees you paid us in the 12 months preceding the claim

67.4 Non-Excludable Rights

In some jurisdictions, certain statutory rights cannot be excluded or limited by agreement. If you reside in such a jurisdiction, those rights continue to apply. Our liability for breach of non-excludable guarantees is limited, where permitted, to either resupplying the Services or paying the cost of resupply.

68. Disputes

68.1 Initial Resolution

Most concerns can be resolved quickly by contacting our support team. Please raise your concern with us first, and we will make every reasonable effort to resolve it to your satisfaction.

68.2 Formal Dispute Resolution

If we are unable to resolve a dispute informally, and to the extent permitted by applicable law, you and Bilan AI agree to resolve disputes through binding arbitration or small claims court rather than litigation in courts of general jurisdiction.

68.3 Class Action Waiver

To the extent permitted by applicable law, you and Bilan AI agree that any dispute must be brought in your individual capacity and not as a plaintiff or class member in any class or representative proceeding.

68.4 User-to-User Disputes

You are solely responsible for resolving disputes between yourself and any other subscriber or invited user. Bilan AI will not act as an arbitrator between users but may, in appropriate cases, take action to enforce these Terms.

69. Important Housekeeping

69.1 No Professional Advice

Bilan AI is not a professional services firm and the Services do not constitute professional legal, tax, accounting, financial, or other advice. Any information we provide is for general informational purposes only and should not be relied upon as a substitute for professional advice from a qualified practitioner.

69.2 Events Outside Our Control

We are not liable for any failure or delay in performing our obligations arising from events beyond our reasonable control, including natural disasters, war, terrorism, labour disputes, internet failures, governmental actions, or failures of third-party providers.

69.3 Notices

All formal legal notices to Bilan AI must be sent to legal@aibilan.com or by post to our legal address. All notices we send to you will be sent to the email address you have provided through your subscription.

69.4 Changes to These Terms

We may change these Terms from time to time. Changes are not retrospective. We will endeavour to provide at least 60 days' notice of material changes. Continued use of the Services after changes take effect constitutes acceptance.

69.5 Relationship of the Parties

Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between you and Bilan AI.

69.6 Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Georgia, United States, and applicable U.S. federal law. Subject to the dispute resolution provisions, any litigation must be brought in the state or federal courts located in the State of Georgia, subject to your rights under mandatory applicable consumer-protection laws in your jurisdiction.

69.7 Assignment

You may not assign these Terms without our written consent. Bilan AI may assign these Terms in connection with a merger, acquisition, or sale of substantially all assets, with written notice to you.

69.8 Severability and Entire Agreement

These Terms (including the Privacy Notice and any Site Specific Terms) constitute the entire agreement between you and Bilan AI regarding the Services. If any provision of these Terms is invalid or unenforceable, it will be modified to the minimum extent necessary to make it enforceable, and remaining provisions will continue in full force.