Acceptance of Terms
By accessing, using, or signing up for SINGOA's services, you ("User", "Customer", or "you") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.
Description of Service
AI-Powered AR Automation
SINGOA provides artificial intelligence-powered accounts receivable automation services, including:
- Intelligent Collections: Automated payment reminders and collection workflows
- Payment Matching: AI-powered payment reconciliation and matching
- Cash Flow Analytics: Real-time reporting and cash flow predictions
- Customer Communication: Automated, personalized customer interactions
- Integration Services: Connections with accounting systems and business tools
Service Availability
SINGOA strives to maintain 99.9% uptime for our services. However, we do not guarantee uninterrupted service and may perform maintenance that temporarily affects availability.
User Accounts and Registration
Account Creation
- You must provide accurate, complete, and current information when creating an account
- You are responsible for maintaining the confidentiality of your account credentials
- You must notify us immediately of any unauthorized use of your account
- One account per business entity; multiple accounts require prior approval
Eligibility
You must be at least 18 years old and have the authority to enter into this agreement on behalf of your business or organization.
Subscription Plans and Billing
Pricing Tiers
- Starter Plan: $299/month for up to 500 invoices
- Professional Plan: $699/month for up to 2,500 invoices
- Enterprise Plan: Custom pricing for unlimited scale
Billing Terms
- All subscriptions are billed monthly in advance
- Prices are subject to change with 30 days written notice
- No refunds for partial months or unused services
- Late payments may result in service suspension after 7 days
Free Trial
New customers receive a 30-day free trial. No credit card required during trial period. Full access to all features during trial.
Data Access and Security
Read-Only Access
SINGOA operates with read-only access to your financial data. We never:
- Modify or delete your financial records
- Transfer funds or make payments on your behalf
- Access banking credentials or payment methods
- Share your data with unauthorized third parties
Data Security
- All data transmission encrypted with TLS 1.3
- Data at rest encrypted with AES-256
- Regular security audits and penetration testing
- Canadian-hosted infrastructure with enterprise-grade security
User Responsibilities
Permitted Use
You agree to use SINGOA services only for legitimate business purposes and in compliance with all applicable laws.
Prohibited Activities
You may not:
- Use the service for illegal activities or fraud
- Attempt to reverse engineer or hack our systems
- Share account access with unauthorized parties
- Use the service to harass or spam customers
- Violate any applicable laws or regulations
Intellectual Property
SINGOA IP
All SINGOA software, algorithms, trademarks, and intellectual property remain our exclusive property. Users receive only a limited license to use our services.
User Data
You retain ownership of all your business data. SINGOA claims no ownership rights to your customer information, financial data, or business records.
Service Level Agreement
Uptime Commitment
- Target Uptime: 99.9% monthly availability
- Planned Maintenance: Scheduled during off-peak hours with advance notice
- Support Response: 24 hours for critical issues, 48 hours for general inquiries
Performance Standards
- Payment matching accuracy: 99%+
- Collection workflow automation: Real-time processing
- Data synchronization: Within 15 minutes of source updates
Limitation of Liability
SINGOA's liability is limited to the amount paid for services in the 12 months preceding any claim. We are not liable for:
- Indirect, incidental, or consequential damages
- Lost profits, revenue, or business opportunities
- Data loss due to user error or system failures
- Decisions made based on our analytics or predictions
Termination
Termination by User
You may cancel your subscription at any time. Service continues until the end of your current billing period.
Termination by SINGOA
We may terminate accounts for violation of these Terms, non-payment, or other legitimate business reasons with appropriate notice.
Data Retention After Termination
- Account data deleted within 90 days of termination
- Backup data retained for 12 months for recovery purposes
- User may request immediate data deletion
Governing Law
These Terms are governed by Canadian law. Any disputes will be resolved in the courts of Ontario, Canada.
Changes to Terms
We may update these Terms with 30 days notice for material changes. Continued use of services constitutes acceptance of updated Terms.
Contact Information
For questions about these Terms of Service:
- Email: info@singoa.com
- Address: SINGOA Technologies Inc., Toronto, Canada
- Business Hours: Monday-Friday, 9 AM - 6 PM EST
Effective Date: These Terms of Service are effective as of September 1, 2025, and were last updated on September 5, 2025.