Terms of Service

Effective Date: Jan 1, 2026

1. Introduction and Acceptance

These Terms govern your access to the accounting software provided by Silverlake Technologies Inc. Plenum Holdings Inc. is the licensor of the product. By creating an account or using the Services, you agree to these Terms, the Privacy Policy, and the Data Processing Addendum (DPA).

2. Fees, Billing, and Stripe

  • Monthly Plans: Services are provided on a monthly subscription basis.
  • Stripe Processing: We use Stripe as our PCI-compliant payment processor. We do not store raw credit card numbers; all payment data is handled via secure tokens.
  • Auto-Renewal: Your monthly plan will auto-renew at the end of each billing cycle unless you cancel at least one business day before the renewal date.
  • Taxes: You are responsible for all applicable Canadian taxes (GST/HST/PST/QST) which will be added to your monthly invoice.

3. Banking Integration (Plaid)

  • Transaction Sync: We use Plaid to retrieve read-only bank and credit card transactions.
  • No Password Storage: We do not collect or store your online banking passwords; authentication is handled securely by Plaid.
  • Data Limit: This integration is used strictly for transaction metadata and balances; it does not retrieve ledgers or invoices.

4. User Accounts and Security

  • Hashed Passwords: We protect your account using industry-standard hashing; we never store your password in plain text.
  • User Responsibility: You are responsible for all activity under your account and for maintaining the confidentiality of your login credentials.

5. Payroll and Sensitive Data

  • SIN Encryption: Social Insurance Numbers (SIN) are encrypted at the database level (AES-256) to ensure they remain unreadable to unauthorized parties.
  • Authority: You represent that you have obtained the necessary consent from your employees before uploading their sensitive information for payroll processing.

6. Data Ownership and Retention

  • Ownership: You retain full ownership of all accounting data and records you submit to the platform.
  • Export Rights: You may export your transaction history and records in standard formats at any time during your active subscription.
  • Retention: We retain records for the 7-year period required by Canadian law for tax and audit compliance.

7. Termination and Cancellation

  • Cancellation: You may cancel your monthly plan at any time through your account settings.
  • Post-Termination Access: Upon cancellation, we provide a 30-day window for you to perform a final export of your data before it is securely deleted.

8. Contact Information

For billing, technical support, or legal inquiries, please contact:
Email: support@kashboox.com

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