Terms of Service

Effective Date: March 1, 2026  |  Last Updated: March 2, 2026

These Terms of Service ("Terms") govern your access to and use of the OfficePal platform and services ("Service") provided by Heavenly Estates LLC, a Wyoming limited liability company doing business as OfficePal ("Company," "we," "us," or "our"). By accessing or using the Service, you agree to be bound by these Terms.

1. Description of Service

OfficePal is a multi-product AI platform designed to automate back-office tasks for small businesses. The platform is accessible at app.officepal.ai and currently includes the following products:

• AI Finance: Connects to your bank accounts via Plaid (read-only access) and automatically categorizes your business expenses using artificial intelligence. Accessible at app.officepal.ai/books.
• AI Email Agent: Connects to your email accounts via Gmail or Outlook OAuth, categorizes incoming emails by type and priority, and generates draft responses using artificial intelligence. Accessible at app.officepal.ai/email.
• AI Agent (Conversational Interface): A natural language chat interface that allows you to query your data, request categorizations, and create rules through conversation. Available in the web and mobile applications.
• Website Chatbot: A public-facing chat assistant on officepal.ai that answers questions about our services. The chatbot does not access any customer data.
• Mobile Application: A native iOS application ("OfficePal" on the App Store) that provides mobile access to all platform products, including push notifications and the AI Agent.
• Data Agent: Upload your business data (spreadsheets, documents, PDFs) and ask questions in natural language. The Data Agent uses AI to query your data, search your documents, and generate answers. All uploaded data is stored in your isolated tenant environment and is not shared with other customers. Accessible at app.officepal.ai/data-agent.

We may add additional products and features to the platform over time. New products will be subject to these Terms unless separate terms are provided.

Important: OfficePal is an AI-powered productivity and automation tool. It is not a financial advisory, tax preparation, accounting, legal, or professional email management service. We do not provide financial advice of any kind. AI-generated outputs — including expense categorizations, email categorizations, and draft email responses — are suggestions only and are not a substitute for professional judgment or human review.

2. Eligibility

You must be at least 18 years old and have the legal authority to enter into these Terms on behalf of yourself or the business you represent. By using the Service, you represent and warrant that you meet these requirements.

3. Account Registration

To use the Service, you must create an account and provide accurate, complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use.

4. Subscription and Payment

• Free Trial: New accounts receive a 14-day free trial. You will not be charged during the trial period.
• Subscription Fee: After the trial, the base Service costs $150 per month, billed monthly via Stripe. Pricing may vary by product, and additional products may have separate or tiered pricing as displayed in your account dashboard.
• Payment Setup: When you sign up, your payment method is saved via Stripe Setup Intent. Your card is stored securely and will be charged when you activate a paid product or your trial ends.
• Billing: By subscribing, you authorize us to charge your payment method on file on a recurring monthly basis. All fees are in U.S. dollars.
• Cancellation: You may cancel your subscription at any time through your account settings or by contacting us at hello@officepal.ai. Cancellation takes effect at the end of your current billing period.
• No Refunds: We do not provide refunds for partial months. If you cancel mid-cycle, you will retain access until the end of your current billing period.
• Price Changes: We may change our pricing with 30 days' notice. Continued use after a price change constitutes acceptance.

5. Third-Party Integrations

The Service connects to third-party platforms to access your data. By linking your accounts, you acknowledge and agree to the following:

Bank Accounts (via Plaid)

• OfficePal uses Plaid Inc. to connect to your financial institutions.
• You grant OfficePal read-only access to your transaction data via Plaid.
• OfficePal cannot initiate transactions, move funds, or modify your bank accounts in any way.
• Your use of Plaid is also subject to Plaid's terms and privacy policy.

Email Accounts (via Gmail/Outlook OAuth)

• OfficePal connects to your Gmail or Outlook email accounts using OAuth 2.0 authorization.
• You grant OfficePal access to read your emails (subjects, bodies, sender/recipient information, timestamps, and labels) and to create draft responses in your mailbox.
• OfficePal does not send emails on your behalf without your explicit action. AI-generated drafts are saved to your drafts folder for your review.
• You may revoke email access at any time through your account settings or directly through your Google/Microsoft account.
• Your use of Gmail is also subject to Google's Privacy Policy. Your use of Outlook is also subject to Microsoft's Privacy Statement.

6. AI Processing — No Guarantee of Accuracy

The Service uses artificial intelligence to process your data, including categorizing expenses, categorizing emails, and generating draft email responses. While we strive for accuracy, AI outputs are not guaranteed to be correct. Specifically:

• All AI-generated outputs — including expense categories, email categories, and draft email responses — are suggestions and should be treated as such.
• You are solely responsible for reviewing and verifying all AI outputs before relying on them for tax filing, financial reporting, client communication, or any other purpose.
• You must review any AI-drafted email before sending it. AI-generated drafts may contain errors, inappropriate tone, incorrect information, or misunderstandings of context. Sending an AI-drafted email without review is done entirely at your own risk.
• We are not liable for errors in AI outputs, including any financial, legal, reputational, or other consequences arising from incorrect categorizations or AI-generated content.
• The Service does not constitute professional accounting, tax, financial, or legal advice.

7. Email Data and Personally Identifiable Information (PII)

By connecting your email account to OfficePal, you acknowledge and agree to the following:

• Email content — including message bodies, subject lines, sender and recipient information, and attachments metadata — is processed by our AI systems to provide categorization and draft generation features.
• Emails routinely contain personally identifiable information (PII), which may include names, addresses, phone numbers, Social Security numbers, policy numbers, financial account details, and other sensitive data.
• You are responsible for ensuring that you have the legal authority to process the data contained in any email account you connect to OfficePal. If your emails contain data belonging to clients, customers, or other third parties, you must have appropriate authorization or consent to allow AI processing of that data.
• OfficePal is not a HIPAA covered entity or business associate. We do not offer HIPAA-compliant processing. If your email accounts contain protected health information (PHI), you connect them at your own risk. We recommend against connecting email accounts that regularly receive or contain sensitive health information unless you fully understand and accept this risk.

8. Data Processing

To provide AI-powered features, your data is transmitted to third-party AI providers for processing:

• We currently use OpenAI to process transaction data, email content, and generate draft responses.
• Data is sent to OpenAI via their API, which means it is used solely for processing your requests. Per OpenAI's API data usage policy, API data is not used to train their models.
• We take measures to minimize the transmission of sensitive data to AI providers, including redacting PII where feasible. However, complete redaction cannot be guaranteed given the unstructured nature of email content.
• We may change AI providers in the future. Any changes will be reflected in our Privacy Policy.

9. AI Agent and Chatbot Features

The Service includes AI-powered conversational interfaces (the "AI Agent" within the platform, and a public "Chatbot" on our website). These features are subject to the following:

• Scoped capabilities: The AI Agent can only perform a defined set of actions (e.g., query transactions, create categorization rules). It cannot access systems, data, or actions outside its defined scope.
• Human-in-the-loop (HITL): Any action that modifies your data — such as categorizing transactions or creating rules — requires your explicit confirmation before execution. The AI Agent will never auto-execute write actions.
• Tenant isolation: The AI Agent can only access data belonging to your account. It cannot view, query, or modify data belonging to other users or businesses on the platform.
• No autonomous actions: The AI Agent cannot send emails, initiate payments, access external systems, or take any action outside the platform on your behalf.
• Website chatbot limitations: The public chatbot on officepal.ai is informational only. It has no access to any customer accounts, financial data, email data, or internal systems. It can only answer general questions about our services.

Despite these safeguards, AI-generated suggestions and outputs remain subject to the limitations described in Section 6 (AI Processing — No Guarantee of Accuracy). Always review AI outputs before acting on them.

9a. Data Agent — Uploaded Data

When you upload data (spreadsheets, documents, PDFs, images) to the Data Agent:

• Your data, your responsibility: You represent that you have the legal right to upload and process the data you provide. Do not upload data you are not authorized to share.
• Prohibited data types: Do not upload Social Security numbers, credit card numbers, protected health information (PHI), or data subject to ITAR/EAR export controls. We are not HIPAA-compliant or PCI DSS Level 1 certified.
• Tenant isolation: Your uploaded data is stored in an isolated environment. Other customers cannot access your data, and you cannot access theirs.
• AI-generated SQL: The Data Agent generates and executes database queries (SQL) based on your questions. These queries are read-only — the agent cannot modify, delete, or corrupt your data. However, query results may be incomplete or incorrect due to AI limitations.
• Document processing: Uploaded documents are processed to extract text for search. This processing uses AI models and may not perfectly capture all content, especially from images or scanned documents.
• No compliance advice: The Data Agent may surface data related to regulatory compliance, but it does not provide compliance advice. Consult qualified professionals for regulatory interpretation.
• Data deletion: You may delete your uploaded data at any time through the Data Sources management page. Deleted data is permanently removed from our systems within 30 days.

10. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable laws.
• Connect accounts (bank, email, or otherwise) containing data you do not have the legal authority to process or share with third-party AI providers.
• Attempt to reverse-engineer, decompile, or disassemble any part of the Service.
• Interfere with or disrupt the Service or its infrastructure.
• Share your account credentials with unauthorized third parties.
• Use the Service to process data for more than one business entity per subscription without our consent.

11. Data and Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your data. By using the Service, you consent to our data practices as described in the Privacy Policy.

12. Intellectual Property

The Service, including its software, design, content, and branding, is owned by Heavenly Estates LLC and protected by applicable intellectual property laws. You retain ownership of your data. You grant us a limited license to use your data solely to provide and improve the Service.

13. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, error-free, or secure, or that any defects will be corrected. We do not warrant the accuracy, reliability, or completeness of any AI-generated categorizations, draft responses, or other outputs.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HEAVENLY ESTATES LLC AND ITS OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUE, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, OR GOODWILL, ARISING OUT OF YOUR ACCESS TO OR USE OF THE SERVICE.

OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNTS YOU HAVE PAID TO US IN THE THREE (3) MONTHS PRECEDING THE CLAIM.

15. Indemnification

You agree to indemnify, defend, and hold harmless Heavenly Estates LLC, its members, officers, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

• Your use of the Service.
• Your violation of these Terms.
• Your reliance on AI-generated categorizations, draft responses, or other outputs without independent verification.
• Any tax, financial, legal, or reputational consequences resulting from your use of the Service.
• Your connection of accounts containing data you did not have authority to process.

16. Termination

We may suspend or terminate your access to the Service at any time, with or without cause, upon notice. Upon termination, your right to use the Service ceases immediately. Sections 6, 7, 8, 9, 13, 14, 15, 17, and 18 survive termination.

17. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of law principles. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Wyoming, and you consent to personal jurisdiction in such courts.

18. General Provisions

• Entire Agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and us regarding the Service.
• Severability: If any provision is found unenforceable, the remaining provisions remain in effect.
• Waiver: Our failure to enforce any right does not constitute a waiver of that right.
• Assignment: You may not assign your rights under these Terms without our consent. We may assign our rights freely.
• Modifications: We may update these Terms at any time. Material changes will be communicated via email or in-app notice. Continued use after changes constitutes acceptance.

19. Contact

If you have questions about these Terms, contact us at:

Heavenly Estates LLC dba OfficePal
Email: hello@officepal.ai
Website: officepal.ai