Terms of Service

Last Updated: April 11, 2026

These Terms of Service ("Terms") govern your use of Accrew's AI-powered bookkeeping services. By engaging our services, you agree to these Terms.

1. Services Provided

1.1 Scope of Services

Accrew provides:

1.2 What We Are NOT

Important Limitations:

2. Client Responsibilities and Obligations

2.1 Data Provision (Mandatory)

You must provide:

Failure to provide complete and accurate information voids all warranties and liability. We are not responsible for errors arising from incomplete, inaccurate, or late data provision.

2.2 Response Time Requirements

You must respond to our queries within 48 hours. Failure to respond may result in:

2.3 Review and Approval Obligation (CRITICAL)

YOU ARE SOLELY RESPONSIBLE FOR:

We provide bookkeeping services, NOT tax advice, audit opinions, or business decisions. Our work is advisory only. You bear final responsibility for all filings, decisions, and compliance.

2.4 Timely Cooperation and Consequences

Delays in providing documents, information, or approvals may result in:

We are not liable for any consequences of your delayed cooperation, including penalties, fines, interest, lost opportunities, or business disruption.

2.5 Accuracy Representation

By providing data to us, you represent and warrant that all information is true, complete, accurate, and not misleading. You indemnify us against any claims arising from inaccurate data you provide.

3. Fees and Payment

3.1 Pricing

3.2 Payment Terms

3.3 Late Payment and Suspension

Payment is time-critical. Overdue invoices (>7 days) may result in:

We are not liable for any consequences of service suspension due to non-payment, including missed deadlines, tax penalties, or business interruption.

3.4 No Refunds

All fees are non-refundable except as required by Hong Kong law. No refunds for:

3.5 Fee Increases

We reserve the right to increase fees at any time with 30 days' notice. Continued use of services after fee increase constitutes acceptance of new fees.

4. Term and Termination

4.1 Initial Term and Auto-Renewal

Both plans auto-renew automatically. You are responsible for cancelling before renewal date to avoid charges.

4.2 Cancellation by Client

4.3 Termination by Accrew

We may terminate immediately without notice or refund if you:

Termination for cause: No refund of any fees paid. You remain liable for all outstanding amounts.

4.4 Data and Work Product Upon Termination

4.5 Survival

The following sections survive termination: Fees and Payment, Limitation of Liability, Indemnification, Confidentiality, Intellectual Property, and Dispute Resolution.

5. AI Services & Disclaimers

5.1 AI-Powered Categorization

Our AI systems categorize transactions based on merchant names, amounts, and descriptions. While highly accurate, AI is not perfect.

5.2 "AS IS" AI Services

IMPORTANT: AI outputs are provided "AS IS" without warranty of 100% accuracy. You must:

5.3 No Liability for Unreviewed AI Outputs

We are not liable for:

5.4 Review and Confirmation Process

AI categorizations include confidence scores. Low-confidence categorizations are flagged for your review during monthly close. You are responsible for reviewing and confirming all categorizations before using them for tax filing or business decisions.

6. Limitation of Liability

6.1 Maximum Liability Cap

Our total liability to you for any claims is limited to the total fees actually paid by you in the 3 months immediately preceding the claim, with an absolute maximum cap of HKD 20,000, whichever is LOWER.

This cap applies per claim and in aggregate for all claims arising from the same or related events. Multiple claims arising from the same facts or circumstances will be treated as a single claim.

6.2 Excluded Damages and Limitations

We are NOT liable for any of the following, regardless of the legal theory or cause of action:

IMPORTANT: These exclusions and limitations apply even if we were advised of the possibility of such damages. They apply to the maximum extent permitted by Hong Kong law.

6.3 Exceptions to Limitations

The above limitations do NOT apply to damages directly caused by our fraud, willful misconduct, or gross negligence. For the avoidance of doubt, "gross negligence" means acts or omissions involving an extreme departure from ordinary care.

6A. Client Indemnification

6A.1 Your Indemnity Obligations

You agree to indemnify, defend, and hold harmless Accrew, its directors, officers, employees, agents, and contractors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from or related to:

This indemnity survives termination of services and applies even if we were partially at fault, provided your actions or omissions contributed to the claim.

6A.2 Defense and Settlement

We reserve the right to assume exclusive defense and control of any matter subject to indemnification by you. You will cooperate fully with our defense and may not settle any claim without our prior written consent.

7. Confidentiality and Data Sharing

7.1 Use and Disclosure of Your Data

We may use, process, store, and disclose your business and financial data as reasonably necessary to provide our services, including but not limited to:

We will use commercially reasonable efforts to ensure third parties we engage maintain confidentiality, but we are not liable for their acts or omissions.

7.2 Your Confidentiality Obligations

You agree to keep strictly confidential and not disclose to any third party: our proprietary methods, processes, AI models, algorithms, software, pricing structures, business strategies, or any confidential information we share with you. This obligation survives termination of our services.

8. Intellectual Property

9.1 Our IP

We retain all rights to:

9.2 Your Data

You retain ownership of all financial data you provide. We have a license to use it solely for providing services.

9. Compliance with Hong Kong Laws

10.1 Anti-Money Laundering (AML)

We comply with AMLO (Anti-Money Laundering and Counter-Terrorist Financing Ordinance). We may:

10.2 Tax Compliance

You are responsible for:

10.3 Data Protection (PDPO)

We comply with Hong Kong's Personal Data (Privacy) Ordinance. See our Privacy Policy for details.

10. Dispute Resolution

11.1 Governing Law

These Terms are governed by the laws of the Hong Kong Special Administrative Region.

11.2 Mediation First

Before litigation, both parties agree to attempt mediation through the Hong Kong International Arbitration Centre (HKIAC).

11.3 Jurisdiction

Any disputes will be resolved in the courts of Hong Kong.

11. Force Majeure

We are not liable for delays or failures caused by events beyond our control (e.g., typhoons, pandemics, cyber attacks, government shutdowns).

12. Modifications to Terms

We may update these Terms with 30 days' notice via email. Continued use of services after changes constitutes acceptance.

13. Severability

If any provision is found unenforceable, the remaining provisions remain in full effect.

14. Entire Agreement

These Terms, along with our Privacy Policy and signed service agreement (if applicable), constitute the entire agreement between you and Accrew.

15. Contact for Legal Matters

For questions about these Terms:

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