Terms of Service

These Terms of Service (“Terms”) are an agreement between you and Replafin (“Replafin”, “we”, “us”) governing your use of the Replafin financial modelling products. By downloading, installing, accessing, or paying for any part of the service, you agree to these Terms. If you are using Replafin on behalf of a company, you represent that you are authorised to bind that company.

There are two distinct products, and they are treated differently:

• Desktop app: a free application that runs on your own machine. Your model data stays on your device. You may use a local AI model or supply your own third-party AI key. We do not host or receive your model data.
• Hosted web workspace (Pro and Team): a paid, cloud-hosted service that stores your scenarios on our infrastructure and can call AI providers and third-party integrations on your behalf.

Replafin helps you build financial projections. Every number it produces is an estimate generated from the assumptions you enter. It is provided for informational and planning purposes only and is not financial, investment, tax, accounting, or legal advice, and is not a guarantee of any future outcome.

You are solely responsible for the assumptions you enter, the decisions you make, and anything you share with investors, lenders, boards, or other third parties. See our Disclaimer for the full statement.

The desktop app requires no account. The hosted workspace requires an account and a paid plan. You must be at least 18 and able to form a binding contract. You are responsible for keeping your credentials and any AI keys you supply secure, and for all activity under your account.

Paid plans are billed in advance on a recurring basis (monthly or annually) in US dollars through our payment processor. By subscribing you authorise recurring charges until you cancel.

• AI credits & overage. Hosted plans include a monthly credit allowance for the AI assistant. Usage beyond the allowance is metered and billed as overage at the end of the cycle, unless you set a spend cap, which pauses the assistant instead of charging more. You can instead supply your own AI key, in which case AI cost is billed by your provider, not us.
• Renewal & cancellation. Subscriptions renew automatically. You can cancel anytime from your account; access continues until the end of the paid period. Except where required by law, fees already paid are non-refundable and partial periods are not pro-rated.
• Price changes. We may change prices or plan contents on reasonable notice; changes take effect at your next renewal.

You keep all rights to the models, assumptions, and data you create (“Your Content”). On the hosted workspace you grant us a limited licence to store and process Your Content solely to operate the service for you. How we handle data is described in our Privacy Policy.

On the desktop app, Your Content stays on your device. If you choose a cloud AI provider or an integration, your inputs are sent to that third party under their terms, but not to us.

The assistant and any agent/API/MCP access generate output using AI models, which can be inaccurate, incomplete, or misleading. You must review AI output before relying on it. You are responsible for actions taken by agents you connect to your account, including changes they make to your model.

The service can connect to third parties you choose: AI providers (such as OpenRouter or OpenAI) and, on Team, accounting and data integrations (such as QuickBooks, Xero, Stripe, and bank connections). Your use of those services is governed by their terms, and we are not responsible for them.

You agree not to:

• Break the law or infringe anyone's rights using the service.
• Resell, sublicense, or offer the hosted service to third parties except as your plan allows.
• Attempt to disrupt, reverse-engineer (except as permitted by the desktop licence), or gain unauthorised access to the service or other users' data.
• Misrepresent Replafin output as audited, certified, or guaranteed.

The service is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the service or any projection will be uninterrupted, error-free, or accurate.

To the maximum extent permitted by law, Replafin will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any lost profits, revenues, data, or business decisions made in reliance on the service. Our total liability for any claim is limited to the greater of the amount you paid us in the 12 months before the claim or US $100.

You agree to indemnify and hold Replafin harmless from claims arising out of Your Content, your use of the service, your breach of these Terms, or your reliance on, or sharing of, any projection.

You may stop using the service at any time. We may suspend or terminate access for breach of these Terms or to protect the service. On termination of a hosted plan you may export Your Content for a reasonable period, after which we may delete it as described in the Privacy Policy.

We may update these Terms; material changes will be posted here with a new “last updated” date and, where appropriate, notified to you. Continued use after changes means you accept them.

These Terms are governed by the laws of the jurisdiction stated in your order or, if none, the jurisdiction in which Replafin is established, without regard to conflict-of-laws rules. Questions? Contact us at legal@replafin.com.