Terms of Use

1. Acceptance of These Terms

By creating an account or using the Service, you agree to these Terms. If you use the Service on behalf of a company or other organization, you confirm that you are authorized to bind that organization, and “you” includes that organization. If you do not agree, do not use the Service.

2. The Service

The Service provides bookkeeping and accounting tools, including invoices, bills, payments, credit notes, journal entries, inventory, bank statement import and reconciliation, financial and GST reports, document upload, and an AI assistant that can help you draft and review accounting entries. Available features depend on your subscription plan.

The Service is accounting software. It is not an accounting, audit, tax, or legal advisory service, and using it does not make mGrog your accountant or tax agent.

3. Accounts and Access

• You must provide accurate registration information and keep it up to date.
• You are responsible for keeping your credentials confidential and for activity that takes place under your account.
• Organization owners and administrators decide which users can access their workspace and what roles and permissions they hold. Review these regularly and remove users who no longer need access.
• Tell us promptly if you suspect unauthorized access to your account.

4. Your Data and Responsibilities

You keep ownership of the data you enter or upload, including contacts, transactions, bank statements, and supporting documents (“Customer Data”). You grant mGrog a limited right to host, process, and display Customer Data solely to provide, secure, support, and improve the Service as described in these Terms and the Privacy Policy.

You are responsible for:

• the accuracy, completeness, and lawfulness of Customer Data, and for having the right to upload it;
• having a lawful basis, and giving any required notices, for personal data of your own customers, suppliers, and staff that you put into the Service;
• reviewing all reports, journal entries, and calculations before relying on them, and for your own tax filings, statutory returns, and record keeping obligations;
• keeping your own copies of records you are legally required to retain. You can export data from the Service at any time while your account is active.

5. AI-Assisted Features

The Service uses AI models and OCR to read uploaded documents, transcribe voice messages, and draft accounting entries from your instructions. To do this, the content you submit (such as prompts, documents, images, and audio) is sent to third-party AI and OCR providers, as described in the Privacy Policy. Some AI features consume AI credits included in your plan.

AI output can be incomplete or wrong. You must review AI-generated drafts, extracted amounts, classifications, and suggested matches before you post or rely on them. You remain responsible for the final records and for any decision made using them. Do not upload content you are not permitted to share with these providers.

6. Acceptable Use

You must not:

• use the Service unlawfully or to record fraudulent transactions;
• access, or try to access, another organization’s data or bypass authentication, permissions, or usage limits;
• probe, scan, overload, or disrupt the Service, or introduce malware;
• upload content you have no right to process, or content that is unlawful or infringing;
• resell, sublicense, or copy the Service, or reverse engineer it except where the law allows;
• use automated means to access the Service other than through interfaces we make available to you.

7. Plans, Trials and Payment

• Paid plans are priced in Singapore dollars (SGD) per billing period of 30 days, as shown on the Billing page. Plans differ in features, usage limits, and AI credits.
• We may offer a free trial. Trial length, limits, and available features are shown in the product, and we may send reminder emails before a trial ends.
• Payment is made by the methods shown on the Billing page, such as bank transfer or PayNow, with proof of payment submitted through the Service. A subscription period starts, or is extended, once we confirm the payment. We issue invoices for subscription charges.
• Renewal invoices are issued shortly before the end of each period. If a renewal is not paid, access to paid features may be restricted.
• You may upgrade, downgrade, or schedule a plan change from the Billing page. Changes to a different plan generally take effect as shown at the time you request them.
• Prices exclude applicable taxes such as GST unless stated otherwise. We may change prices or plans with reasonable advance notice; changes apply from your next billing period.

8. Cancellation and Termination

You can cancel your subscription from the Billing page. Cancellation takes effect at the end of the current paid period, and you keep access until then. You can resume a scheduled cancellation before that date.

We may suspend or restrict access, with notice where practicable, if we reasonably believe you have breached these Terms, if required by law, or if necessary to protect the security or integrity of the Service or other customers. We may also end the Service for an account if payment remains outstanding.

After your account ends, Customer Data is handled according to the retention practices in the Privacy Policy. Please export any data you need before your access ends.

9. Privacy and Security

Our Privacy Policy explains how we handle personal data. We use access controls, role-based permissions, audit logging, and other technical and organizational safeguards to protect Customer Data. No system is completely secure, and you are responsible for choosing strong credentials and managing who has access to your workspace.

10. Intellectual Property

The Service, including its software, design, and branding, belongs to mGrog and its licensors. We grant you a limited, non-exclusive, non-transferable right to use the Service for your internal business purposes while these Terms apply. You may give us feedback, and we may use it without obligation to you.

11. Disclaimers

We work to keep the Service available and accurate, but, to the extent permitted by law, the Service is provided “as is” and “as available”. We do not warrant that it will be uninterrupted or error-free, that AI output will be accurate, or that using it will satisfy your tax, audit, or regulatory obligations. Features that depend on third parties, such as AI and OCR providers or registry lookups, may be unavailable or change.

12. Limitation of Liability

To the extent permitted by law, mGrog is not liable for indirect, incidental, special, or consequential loss, or for loss of profits, revenue, goodwill, or data, arising from your use of the Service. Our total liability for any claim relating to the Service is limited to the fees you paid us for the Service in the 12 months before the event that gave rise to the claim. Nothing in these Terms excludes liability that cannot be excluded by law.

13. Changes to the Service or Terms

We may update the Service and these Terms from time to time. When we make material changes to the Terms, we will update the date above and notify you in the product or by email where appropriate. Continuing to use the Service after changes take effect means you accept the updated Terms.

14. Governing Law

These Terms are governed by the laws of Singapore. The courts of Singapore have exclusive jurisdiction over any dispute arising from them, except where mandatory consumer or data protection laws in your country give you the right to bring a claim elsewhere.

15. Contact

For questions about these Terms, contact us through the in-app support channel. For privacy matters, email [email protected].