Terms of Service

These Terms of Service (the "Terms") are a binding agreement between you and Ogal LLC, a Wyoming limited liability company ("CheckBooks.ai", "we", "us"), governing your use of the CheckBooks.ai service at checkbooks.ai (the "Service"). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. What CheckBooks.ai Is — and Is Not

CheckBooks.ai lets you create, sign, send, and track checks drawn on your own bank account, and lets recipients confirm a check's authenticity through a verification code carried on each check.

Where they are available, the Service can also print and mail a check for you through our mailing partner, Lob; read photos of checks and invoices with AI; answer questions about your checks in an AI assistant; and let an AI assistant you connect prepare checks for you and, if you give it that role, sign and send them within limits you set. CheckBooks.ai's own assistant never signs a check. An AI assistant you connect signs only if you give it the role that writes, signs and sends checks for you; a check it signs that way is your check, as if you had signed it, and you are responsible for the limits you set and for pausing or disconnecting it.

CheckBooks.ai is not a bank. We do not hold, transmit, or take custody of your funds at any point. Checks created through the Service are payment instruments drawn on your own account at your own financial institution; payment occurs entirely through the banking system when the recipient deposits or cashes the check. We are not a party to the underlying payment, and accounts and balances shown in the Service are records of the checks you have written, not bank balances. The Service is not insured by the FDIC.

2. Eligibility and Your Account

You must be at least 18 years old and able to form a binding contract to use the Service. You are responsible for the accuracy of the information you provide, for maintaining the confidentiality of your credentials, and for all activity under your account. Notify us immediately at [email protected] if you suspect unauthorized use.

3. Bank Account Authorization

You may only connect bank accounts that you own or are expressly authorized to draw checks on. When you add an account, you attest to that ownership or authorization; some accounts are additionally verified by the platform (through Plaid, which confirms the account with your bank), and the Service discloses to check recipients which level of verification applies. Providing false ownership attestations is a material breach of these Terms and may constitute fraud.

4. Acceptable Use

You agree not to use the Service to:

• write checks against accounts you do not own or are not authorized to use, or checks you know or should know will not be honored;
• commit or facilitate fraud, money laundering, or any unlawful activity, or violate any sanctions program;
• misrepresent your identity or business, or impersonate another person or entity;
• interfere with, probe, or circumvent the Service's security or verification mechanisms, or attempt to forge or tamper with check verification data;
• resell or provide the Service to third parties without our consent.

We may suspend or terminate accounts that violate this section and may report suspected fraud to financial institutions and law enforcement.

5. Electronic Records and Signatures

By using the Service you consent to transact electronically: to sign checks and documents electronically, and to receive records, notices, and disclosures from us electronically at the email address on your account. You may withdraw this consent by closing your account.

6. Your Responsibility for Checks You Issue

You are solely responsible for the checks you create: the amounts, payees, dates, memos, and the availability of funds to cover them. A check "sent" through the Service means we transmitted it to the recipient as directed, or handed it to our mailing partner to print and mail; it does not guarantee receipt, deposit, clearance, or payment. Laws governing checks — including liability for writing checks with insufficient funds — apply to you directly.

Fields read by AI from a photo, and the assistant's answers, can be wrong: check them before you sign. They are not financial, tax, or legal advice. Once you sign a check an AI assistant prepared for you, it is your check like any other. Some features rely on services run by others (named in our Privacy Policy); using Plaid, Stripe, QuickBooks, Xero, or your own AI assistant is also subject to their terms.

7. Verification of Checks

Check verification confirms that a check document was issued through the Service and has not been altered since issuance, and reports the account-verification tier that applied to the issuer at that time. It is not a guarantee that the check will be paid, that funds exist, or of the issuer's identity beyond the disclosed verification tier.

8. Fees

We will disclose any fees for the Service before you incur them. Your bank may charge its own fees (for example, returned-item fees); those are between you and your bank.

If we change a price, we will tell you by email at least 30 days before the change takes effect; the price you are on stays until your next renewal after that notice. If CheckBooks.ai isn't for you, tell us within 48 hours of your first payment and we refund it, less what we paid to verify the bank accounts you linked on your plan; after 48 hours, payments are not refunded. Verifying a bank with Plaid is part of your plan's first month. If you cancel before your plan's first charge, the bank's verification is charged once, and that charge is not refunded.

9. Intellectual Property

The Service, including its software, design, and content (other than the check data you supply), is owned by Ogal LLC and its licensors. We grant you a limited, non-exclusive, non-transferable license to use the Service for its intended purpose. You retain your rights in the data you submit and grant us the license necessary to operate the Service on your behalf.

10. Termination

You may delete your account at any time in the app (Settings → Security → Delete your account). If you cannot sign in, write to us: a person answers within 2 business days and helps you sign in again, so you can delete the account from Settings. If you cannot sign in at all, we delete your account at your request once we have confirmed your identity. Our account deletion page says how, and what is deleted and what is kept. Checks you issued remain legal instruments after your account is deleted, and their payees may still verify them, as our Privacy Policy describes. We may suspend or terminate your access for breach of these Terms, suspected fraud, legal requirement, or extended inactivity. Sections that by their nature should survive termination (including Sections 6, 11, 12, and 13) survive.

11. Disclaimers

The Service is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that any check will be accepted, deposited, or paid by any financial institution.

12. Limitation of Liability

To the maximum extent permitted by law, Ogal LLC will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or funds transferred through the banking system, and our aggregate liability arising out of the Service will not exceed the greater of (a) the amounts you paid us for the Service in the twelve months before the claim and (b) one hundred US dollars ($100). Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

13. Indemnification

You will indemnify and hold harmless Ogal LLC and its officers, members, and agents from claims arising out of your checks, your breach of these Terms, or your violation of law or third-party rights.

14. Governing Law and Disputes

These Terms are governed by the laws of the State of Wyoming, without regard to conflict-of-laws rules. The state and federal courts located in Wyoming have exclusive jurisdiction over disputes arising out of these Terms or the Service, and each party consents to their jurisdiction.

15. Changes to These Terms

We may update these Terms from time to time. If a change is material, we will notify you (for example by email or an in-app notice) before it takes effect. Continued use of the Service after a change takes effect constitutes acceptance of the updated Terms.

16. Contact

Ogal LLC · Wyoming, USA · [email protected] · Support