The rules for using OryzaPay.

1. Agreeing to these terms

By creating an account or using oryzapay.com, oryzapay.ca or our apps (the "Service"), you agree to these Terms of Service and to our Privacy Policy. If you don't agree, please don't use the Service. You must be at least 18 years old to use OryzaPay.

2. What OryzaPay is

OryzaPay is a tool for keeping track of bills, subscriptions, loans, fines and other payments in one place, sending reminders, reading contracts into plain-language summaries, and helping you look for better prices. Today, OryzaPay does not pay your bills, hold your money, or connect to your bank accounts. You pay your providers yourself, the way you always have.

We're in early access in Ontario, Canada. Features can change, be added or be removed as we improve the Service.

3. Your account

• Give us accurate information and keep your password private. You're responsible for what happens under your account.
• One person per account. Tell us right away at hello@oryzapay.ca if you think someone else has access.
• If you connect Gmail, it must be the Google account that matches your OryzaPay email.

4. Information and AI features

OryzaPay uses automated tools, including AI, to find bills in your email, read contracts, compare prices with what you were billed, and write drafts. These tools are helpful but not perfect. They can miss a bill, find something that isn't a bill, or misread an amount, a date or a contract term.

• You're responsible for paying your bills on time, whether or not OryzaPay sent or showed a reminder. Reminders can fail, be delayed or land in spam.
• Summaries of contracts are plain-language explanations, not legal advice and not a substitute for the contract itself. If it matters, check the document.
• A "differs from your contract" notice is a prompt to check, not a finding that a company has done something wrong.
• You review and approve everything before it is added to your bills.

5. Deals and messages to companies

The deal finder searches publicly available web pages for plans that may be cheaper than yours. We don't control those pages. Prices, conditions and availability change, and we can't see whether you qualify (for example for a credit check, a service area, or a "new customers only" offer). Confirm every detail with the company before you switch or cancel, and check what leaving your current plan could cost. At the time of writing, we don't receive payment from companies to appear in results.

When we write a message for you, you read it, edit it and send it yourself: copy it into the company's chat or form, or open it in your own email app. Where a company publishes a customer-service email address, you can instead ask OryzaPay to send the message for you. That only happens after you have read the whole message and said yes, it goes only to that published address, with your own email as the reply address and a copy to you, and the number of messages is limited. OryzaPay only passes on the words you approved. It is not your agent in any dealings with a company and is not a party to your contracts with them.

6. Not professional advice

Nothing in the Service is financial, investment, legal, tax or accounting advice. For advice about your situation, speak to a qualified professional.

7. Acceptable use

Please don't:

• use the Service for anything unlawful, or to harm, harass or defraud anyone, including sending messages through OryzaPay that are abusive, misleading, or not about your own account with that company;
• connect or upload someone else's email, documents or information without their permission;
• try to break, probe, overload or get around the security or limits of the Service (including its fair-use limits on AI features);
• scrape the Service, or use it to build a competing product; or
• upload files containing malware.

We may limit, suspend or end access if these rules are broken or to protect the Service and other users.

8. Your information

You keep ownership of the information you put into OryzaPay. You give us permission to store and process it only as needed to run the Service for you, as described in the Privacy Policy. We don't sell your data.

9. Cost

OryzaPay is free to use during early access. Tracking your bills, reminders, the weekly summary and payment history are meant to stay free. We plan to offer an optional paid plan, OryzaPay Plus, for the features that cost us more to run, such as reading more contracts, reading more of your inbox, and searching for better deals. You will never be charged unless you choose to subscribe.

When a paid plan is available:

• The price, in Canadian dollars, and whether it is billed monthly or yearly, is shown before you subscribe. Any tax is shown at checkout.
• Your plan renews automatically each month or year until you cancel.
• You can cancel at any time in Settings → Plan & billing. Your plan stays active until the end of the period you have paid for.
• If we offer free months (for example to people who joined during early access), the offer is shown at checkout: you add a card, you are not charged until the free months end, and you can cancel before then to pay nothing.
• Payments are handled by Stripe. We never see or store your full card number.
• If we change the price of an existing subscription, we will tell you before it takes effect, and you can cancel instead.
• If you think you were charged in error, contact us at hello@oryzapay.ca and we will review it. Deleting your account cancels your subscription.

10. Ending your use

You can stop using OryzaPay at any time and delete your account yourself in Settings → Delete account, or ask us to by emailing hello@oryzapay.ca. We may suspend or close accounts that break these terms, and if we close the Service entirely we'll give you notice and a chance to take your information with you.

11. Our responsibility

We work hard to make the Service reliable and accurate, but it is provided "as is" and "as available". We can't promise it will always be available, error-free, or catch every bill or price change.

To the fullest extent the law allows, OryzaPay is not liable for indirect or consequential losses (such as late fees, missed payments, interest, or the cost of switching or not switching a plan) that result from using, or being unable to use, the Service, and our total liability to you for any claim is limited to $100 CAD. Nothing in these terms limits any right you have under applicable consumer protection law, or any liability that can't legally be limited.

12. Changes to these terms

We may update these terms. If a change matters, we'll update the date above and tell you by email or in the app before it takes effect. Continuing to use the Service after that means you accept the updated terms.

13. Governing law

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there. Disputes will be handled by the courts of Ontario, unless a consumer-protection law gives you the right to go elsewhere.

14. Contact

OryzaPay, Ontario, Canada — hello@oryzapay.ca