Service agreement

1. Agreement to these Terms

These Terms of Service (“Terms”) are a binding agreement between you and Mizu Technologies, Inc. (“we,” “us”), the legal operator of the MizuAlign product under Mizu Technology. They govern access to the MizuAlign websites, applications, and APIs (collectively, the “Service”). By creating an account, accepting an invitation, or using the Service, you agree to these Terms and our Privacy Policy, which is incorporated by reference.

If you use the Service on behalf of a company or other entity, you represent that you have authority to bind that entity. In that case, “you” means the entity and its authorized users.

2. Who may use the Service

You must be at least 18 years old and able to form a binding contract. The Service is intended for business and professional financial operations - not for consumer children. You may not use the Service where prohibited by applicable law.

3. What the Service provides

MizuAlign is financial operations software. Depending on your plan, the Service may include:

• Bookkeeping workflows such as receipts, expenses, categorization, and reconciliation
• Budgets, cash-flow views, forecasts, and reporting
• Invoicing, proposals, client records, and team collaboration features
• Optional bank and card connectivity through third-party aggregation partners (read-only where configured)
• Optional AI-assisted features for categorization, summaries, and in-product assistance
• Enterprise controls such as SSO, audit history, and role-based access when enabled on your plan

We may add, change, or retire features. Material changes to paid features are described on Pricing or communicated to account owners before they take effect on renewal where required.

4. What the Service is not

MizuAlign is bookkeeping and financial analysis software. It is not a bank, broker-dealer, custodian, money transmitter, tax preparer, or investment adviser. We do not hold, custody, or transmit your operating cash. Outputs, forecasts, and AI suggestions are informational tools — not financial, tax, or legal advice. You are responsible for decisions made with your accountant, counsel, or other qualified professionals.

Optional savings goals feature. If you separately enable the optional savings goals feature (limited availability), fund transfers to a savings account are facilitated through Unit Financial, Inc., a federally registered financial services provider that acts as custodian for those funds. MizuAlign facilitates those transfers strictly on your instruction but does not itself hold, custody, or control the funds. Eligibility and terms for this feature are governed by Unit Financial’s agreement, which you accept separately when enabling the feature. This feature is not available unless explicitly enabled in your account settings.

5. Accounts, credentials, and workspace access

You are responsible for accurate registration information, safeguarding passwords and second factors, and all activity under your credentials. Notify us promptly at security@mizualign.com if you suspect unauthorized access.

Workspace owners and administrators control invitations, roles, and permissions. You are responsible for configuring access appropriately for employees, contractors, accountants, and other collaborators.

6. Subscriptions, billing, and taxes

Paid plans are billed in advance on a recurring basis (typically monthly or annually) through our payment processor unless otherwise stated on your order or Enterprise agreement. Prices, limits, and included features are published on Pricing or your signed order form.

• You authorize us and our payment processor to charge applicable fees and taxes to your payment method.
• Except where required by law, fees are non-refundable for partial billing periods after a charge succeeds.
• Failed payments may result in downgrade, suspension, or loss of paid features after reasonable notice.
• You may cancel paid subscriptions before the next renewal date; access continues through the paid period.

7. Your content and data

You retain ownership of content you upload or enter (“Customer Content”), including receipts, transactions, invoices, documents, and configuration data. You grant MizuAlign a limited license to host, process, transmit, display, and back up Customer Content solely to provide and improve the Service, comply with law, and enforce these Terms.

You represent that you have all rights necessary to submit Customer Content and that its use through the Service will not violate third-party rights or applicable law.

8. Acceptable use

You agree not to:

• Use the Service for unlawful, fraudulent, or abusive purposes
• Probe, scan, or test vulnerabilities without written authorization
• Interfere with or disrupt the Service or other users' access
• Reverse engineer the Service except where applicable law expressly permits
• Share credentials or bypass authentication, tenant isolation, or rate limits
• Upload malware or attempt unauthorized access to other workspaces or systems
• Misrepresent your identity or affiliation when using the Service

We may investigate violations and suspend or terminate accounts to protect the Service and other customers.

9. Third-party services

The Service integrates with third parties such as payment processors, bank aggregators, email providers, and optional AI vendors. Your use of those integrations may be subject to separate terms from those providers. A current list of infrastructure sub-processors appears on our Security page.

MizuAlign is not responsible for third-party outages, policy changes, or data handling outside our control, but we design integrations to minimize exposure of Customer Content to what is necessary for the feature.

10. AI-assisted features

When enabled, AI features may analyze Customer Content you choose to submit in context (for example, to suggest categories or answer in-product questions). AI outputs may be inaccurate or incomplete. You must review AI suggestions before relying on them for accounting, tax, or compliance decisions. See Privacy Policy for how AI processing is described.

11. Privacy and security

Our Privacy Policy explains what we collect, why, retention, and your rights. Our Security overview describes technical controls we publish today. Enterprise customers may request our Data Processing Agreement for procurement review.

12. Intellectual property

MizuAlign and its licensors own the Service, software, documentation, branding, and all related intellectual property. Except for the limited rights expressly granted in these Terms, no rights are transferred to you.

You may provide feedback; we may use it without restriction or compensation to improve the Service.

13. Confidentiality

Each party may receive non-public information from the other. The receiving party will use reasonable care to protect confidential information and use it only for the purpose of the relationship, except as required by law. Enterprise agreements may supersede this section where signed.

14. Suspension and termination

You may stop using the Service and delete your workspace subject to export options in the product. We may suspend or terminate access if you materially breach these Terms, fail to pay applicable fees, or if continued provision creates security or legal risk.

Upon termination, your right to access the Service ends. We will delete or de-identify Customer Content according to our Privacy Policy retention schedule unless law requires longer retention.

15. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT UNINTERRUPTED OR ERROR-FREE OPERATION.

16. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL. OUR AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE IN ANY 12-MONTH PERIOD WILL NOT EXCEED THE GREATER OF (A) AMOUNTS YOU PAID TO MIZUALIGN FOR THE SERVICE IN THAT PERIOD OR (B) USD $100, EXCEPT WHERE LIABILITY CANNOT BE LIMITED BY LAW.

17. Indemnification

You will defend and indemnify MizuAlign against third-party claims arising from your Customer Content, your use of the Service in violation of these Terms, or violation of applicable law, except to the extent caused by our gross negligence or willful misconduct.

18. Governing law and disputes

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. Except where prohibited, the parties consent to the exclusive jurisdiction of courts located in the State of Florida for disputes that are not resolved informally. Either party may seek injunctive relief for misuse of intellectual property or unauthorized access.

If you are a consumer in a jurisdiction that grants mandatory local rights, nothing in this section limits non-waivable protections you may have under local law.

19. Changes to these Terms

We may update these Terms for legal, security, or product reasons. We will post the revised Terms with an updated effective date and, for material changes affecting paid customers, provide notice by email or in-app when practicable. Continued use after the effective date constitutes acceptance unless applicable law requires additional consent.

20. Contact

Questions about these Terms: hello@mizualign.com · Security: security@mizualign.com · About · Contact