Terms of Service

1. Who you are contracting with

The service known as CryptoTaxCompanion (the "Service") is operated by Kabelo Simis Nchee (the "Seller", "we", "us"). By accessing or using the Service you agree to be bound by these Terms. If you do not agree, do not use the Service.

2. The Service

CryptoTaxCompanion is a software-as-a-service tool that helps users aggregate cryptocurrency transactions, categorize them (including with AI assistance), and generate informational tax reports such as Form 8949 and capital gains summaries. Reports are informational only and are not a substitute for professional tax, legal, or financial advice.

3. Eligibility & accounts

You must be at least 18 years old (or the age of majority in your jurisdiction) and have authority to bind any organization on whose behalf you create an account. You are responsible for keeping your credentials confidential and for all activity under your account. Notify us immediately of any unauthorized access.

4. Acceptable use

You must not, and must not permit anyone to:

• use the Service for unlawful, fraudulent, or abusive purposes;
• infringe intellectual-property or privacy rights of others;
• upload malware, scrape, or otherwise interfere with security or operation of the Service;
• reverse-engineer, resell, or redistribute the Service without written permission; or
• circumvent technical limits or usage tiers.

5. AI features

The Service includes AI-powered transaction categorization. AI outputs may be inaccurate or incomplete and are not professional advice. You are responsible for verifying classifications and the resulting numbers before filing any tax return. We may filter or refuse AI requests that violate our acceptable use policy or applicable law.

6. No financial, tax or legal advice

Information shown in the Service — including categorizations, gain/loss calculations, and any suggestions — is provided for general and educational purposes only. It is not a recommendation to buy, sell, or hold any asset and not a substitute for professional advice from a licensed tax practitioner, accountant, or attorney. You are solely responsible for tax filings and decisions you make based on the Service.

7. Read-only access to third parties

When you connect exchanges or wallets, we only request read-only credentials. We never have the ability to move, trade, or withdraw your assets.

8. Subscriptions, billing & cancellation

Paid plans are sold by Paddle.com Market Limited and its affiliates ("Paddle"), which acts as the Merchant of Record. Payment, billing, currency, tax, invoicing, cancellations and refunds are governed by Paddle's Checkout / Buyer Terms in addition to these Terms. Paid plans renew automatically until cancelled. You can cancel any time from your account billing page. Refund eligibility is described in our Refund Policy.

9. Merchant of Record disclosure

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns.

10. Intellectual property

The Service, including software, design, branding, and documentation, is owned by the Seller and protected by intellectual-property laws. You receive a limited, non-exclusive, non-transferable right to use the Service in accordance with your subscription plan. You retain ownership of the data you upload; you grant us a limited licence to host and process that data solely to provide the Service.

11. Service level & warranties

The Service is provided "as is" and "as available". To the maximum extent permitted by law, we disclaim all implied warranties including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted or error-free.

12. Limitation of liability

To the fullest extent permitted by law, our aggregate liability arising out of or related to the Service is capped at the fees you paid in the 12 months preceding the event giving rise to the claim. We are not liable for indirect, incidental, special, consequential or punitive damages, including loss of profits, data, goodwill, or any tax penalties or filing errors. Nothing in these Terms excludes liability that cannot be excluded by law (such as fraud, death or personal injury caused by negligence).

13. Indemnification

You agree to indemnify and hold us harmless from claims arising out of your content, your unlawful use of the Service, or your breach of these Terms.

14. Suspension & termination

We may suspend or terminate access for material breach, non-payment, security or fraud risk, or repeated/serious policy violations. You may delete your account at any time. On termination, your data may be exported for a reasonable period and will then be deleted in accordance with our Privacy Policy.

15. Changes

We may update these Terms from time to time. Material changes will be communicated by email or in-app notice. Continued use after changes constitutes acceptance.

16. Governing law

These Terms are governed by the laws of the Seller's jurisdiction of residence, without regard to conflict-of-laws principles. Disputes will be resolved in the competent courts of that jurisdiction, except where mandatory consumer-protection law provides otherwise.

17. Force majeure

We are not liable for failure or delay in performance caused by events beyond our reasonable control, including outages of third-party providers, cyber-attacks, or governmental actions.

18. Contact

Questions about these Terms? Email support@cryptotaxcompanion.com.