Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you" or "User") and Returno Ltd ("we", "us", or "our"), concerning your access to and use of the Returno website and our receipt management software application (collectively, the "Service").

Returno is a company registered in England and Wales. By using the Service, you represent that you are at least 18 years of age and possess the legal capacity to enter into these Terms.

2. Description of the Service

Returno provides a digital interface designed to streamline financial record-keeping through:

• Data Capture: Allowing users to upload images (JPEG, PNG) or document files (PDF) of retail and commercial receipts.
• OCR Processing: Utilizing third-party artificial intelligence, specifically OpenAI's API, to perform Optical Character Recognition (OCR) to extract vendor names, dates, items, tax, and total amounts.
• Database Management: Storing extracted data in a structured, searchable database for user review.
• Return Reconciliation: A specialized feature allowing users to upload return receipts. Our system identifies the original purchase and automatically deducts the returned item's cost to maintain an accurate net expenditure record.
• Subscription Access: These features are provided as a "Software as a Service" (SaaS) model.

3. User Accounts and Security

3.1 Registration

To access the Service, you must register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate.

3.2 Security Responsibilities

You are responsible for safeguarding the password that you use to access the Service. You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account. We cannot and will not be liable for any loss or damage arising from your failure to comply with the above.

4. Subscriptions, Billing, and Cancellation

4.1 Subscription Tiers

The Service is billed on a subscription basis ("Subscription(s)"). You will be billed in advance on a recurring and periodic basis ("Billing Cycle"). Billing cycles are set either on a monthly or annual basis, depending on the plan you select.

4.2 Automatic Renewal

At the end of each Billing Cycle, your Subscription will automatically renew under the exact same conditions unless you cancel it or Returno cancels it. You may cancel your Subscription renewal either through your online account management page or by contacting our customer support team.

4.3 Price Changes

Returno, in its sole discretion and at any time, may modify the Subscription fees. Any Subscription fee change will become effective at the end of the then-current Billing Cycle. We will provide you with reasonable prior notice of any change in Subscription fees to give you an opportunity to terminate your Subscription before such change becomes effective.

4.4 Refunds and Statutory Right of Withdrawal (UK Consumers)

In accordance with the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013:

• The 14-Day Window: You have a right to cancel your subscription within 14 days of signing up.
• Immediate Performance: By uploading a receipt for OCR processing immediately after purchase, you acknowledge that you are requesting the immediate performance of the contract. If you cancel during the 14-day window after having used the service, we reserve the right to deduct a pro-rata amount for the service provided up to the point of cancellation.

5. Data Extraction and AI Accuracy

5.1 Third-Party Processing (OpenAI)

Returno utilizes OpenAI for the processing of uploaded images and PDFs. By using the Service, you grant us permission to transmit these documents to OpenAI's servers for the purpose of data extraction. This data is handled in accordance with our Privacy Policy and OpenAI's enterprise data privacy standards.

5.2 Accuracy Disclaimer

OCR technology is not 100% accurate. Variations in print quality, lighting, or receipt layout can lead to extraction errors.

• You acknowledge that the extracted data is a machine-generated draft.
• Your Responsibility: You must review and verify all extracted data (including totals, dates, and tax) before relying on it for financial, legal, or tax purposes.
• Returno is not liable for any discrepancies between the physical receipt and the digital data stored in our database.

5.3 Return Logic

The "Return" feature relies on the presence of a matching original purchase in your database. If the system cannot find a matching original transaction, the return will be logged as a standalone negative entry. We do not guarantee that the automated reconciliation will perfectly match every item if descriptions vary between purchase and return receipts.

6. Data Protection and Privacy (UK GDPR)

6.1 Data Controller vs. Processor

For the purposes of the UK GDPR, you are the Data Controller of the information contained within your receipts, and Returno is the Data Processor. We process your data strictly to provide the Service.

6.2 Data Security

We implement robust technical and organizational measures to protect your data. This includes encryption in transit and at rest.

6.3 Data Sovereignty

While we use global partners like OpenAI, we ensure that any transfer of data outside the UK or the EEA is governed by Standard Contractual Clauses (SCCs) or other recognized legal safeguards to ensure your data remains protected to a standard equivalent to UK law.

7. Intellectual Property Rights

7.1 Our Intellectual Property

The Service, including its original content (excluding User Content), features, and functionality, is and will remain the exclusive property of Returno Ltd and its licensors. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

7.2 Your Content

You retain all of your ownership rights in the receipts and documents you upload ("User Content"). By uploading, you grant Returno a worldwide, non-exclusive, royalty-free license to use, host, store, and reproduce that content solely for the purpose of providing the Service to you and improving our OCR algorithms through anonymized aggregate data (where permitted by law).

8. Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Uploading fraudulent or forged receipts.
• Attempting to reverse engineer or extract the source code of the Service.
• Using the Service to store or transmit infringing, libelous, or otherwise unlawful or tortious material.
• Interfering with or disrupting the integrity or performance of the Service.
• Automated "scraping" or harvesting of data from the platform.

9. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Returno Ltd, nor its directors, employees, or partners, be liable for:

• Any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or use.
• Errors or omissions in any content or data extracted via OCR.
• Losses resulting from your failure to verify the accuracy of the database against original physical receipts.
• Total Liability: Our total liability for any claim arising out of these Terms shall not exceed the amount paid by you to Returno for the Service during the 12 months prior to the claim.

Nothing in these Terms excludes our liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation.

10. Termination

10.1 By You

You may terminate your account at any time by following the instructions within the Service interface.

10.2 By Us

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

10.3 Effect of Termination

Upon termination, your right to use the Service will immediately cease. We will provide you with a window of 30 days to export your data in a standard format (e.g., CSV or PDF) before the data is permanently deleted from our active production databases in accordance with our data retention policy.

11. Governing Law and Jurisdiction

These Terms shall be governed and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions.

Any dispute arising out of or in connection with these Terms, including any question regarding its existence, validity, or termination, shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Amendments

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

13. Contact Information

If you have any questions about these Terms, please contact us:

• Returno Ltd
• Email: legal@returno.co.uk
• Registered Address: [Insert Registered Office Address]
• Company Registration Number: [Insert Company Number]