Terms of Service

1. Acceptance of Terms

By accessing or using Onalys ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. The Service is operated by Onalys in Canada and may be made available in supported Canadian and United States jurisdictions during beta programs.

2. Description of Service

Onalys provides:

• Card recommendations, rewards comparisons, and credit-usage controls for supported cards
• Opt-in spending coaching, merchant/category rules, budget cooldowns, and save-more goals
• Payment preparation and tap-to-pay readiness only where supported partners, device capabilities, and platform approvals are enabled
• Bill, subscription, saved-card, and payment-method workflows through supported partners where enabled
• Automated receipt matching, tax reporting records, and accounting records
• Employee and vendor spend controls, approvals, budgets, and business records
• User-approved payment and card-change steps inside your rules and permissions where available
• User migration, onboarding, card switch, product integration, spend management, and ticket transfer workflows

3. Eligibility

To use Onalys, you must:

• Be at least the age of majority in your province, state, or territory
• Be a resident of Canada or the United States where Onalys is available
• Have at least one supported card, bank account, or financial account for your territory
• Provide accurate and complete registration information

Some features, providers, rails, and account types may be limited by territory, partner approval, regulatory status, or pilot eligibility.

4. Account Responsibilities

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Ensuring the accuracy of your credit card information and reward rates
• Notifying us immediately of any unauthorized access to your account

5. Financial Disclaimer

6. Payment and Automation Features

Payment, card issuing, card-switch, tap-to-pay readiness, coaching accountability, donation, autosave, and business automation features may use supported partners and may require additional terms.

• They may be provided through approved banking, issuer, card-network, or payment partners
• They may require extra identity, consent, and compliance checks
• Donations, autosave transfers, stock rewards, or accountability stakes use supported partner rails and separate disclosures
• Apple NFC and Secure Element payment execution depends on device, issuer, network, and platform requirements
• You will receive separate disclosures before any live payment, card issuing, or automation feature is enabled for your account
• You remain responsible for reviewing high-risk actions before acting on them

7. Card Affiliate and Partner Programs

Onalys may surface supported credit-card products, partners, or offers. Some links may be affiliate links, meaning we receive compensation if you apply for and are approved for a card.

Affiliate relationships do not override routing logic or user benefit. Onalys routes supported cards based on spending patterns, reward rates, credit usage, limits, merchant context, and user rules. We clearly disclose when an offer includes an affiliate relationship.

8. Plans and Billing

• Consumer accounts: Personal card choice, rewards, bills, subscriptions, receipts, tax records, and supported payment-preparation features
• Business accounts: Employee spend controls, approvals, vendor payments, accounting records, tax reporting, and supported connections
• Client agreements: Pricing, limits, billing cycle, and included features may vary by account type, agreement, region, and App Store terms

Paid plans may be billed through the Apple App Store or another approved billing method. You may cancel according to the terms shown at purchase. Refunds are subject to the applicable billing provider or client agreement.

9. Intellectual Property

All content, features, and functionality of Onalys — including but not limited to the design, code, algorithms, AI models, supported card database, and branding — are owned by Onalys and protected by Canadian and international intellectual property laws.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Onalys shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, rewards, or financial opportunity, arising from your use of the Service.

Our total liability for any claim arising from the Service shall not exceed the amount you paid us in the 12 months preceding the claim.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable there. Any disputes shall be resolved in the applicable Canadian courts unless consumer protection law requires a different forum.

12. Termination

We may suspend or terminate your account if you violate these Terms or use the Service in a manner that could harm other users or our business. You may delete your account at any time through the app settings.

13. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes via email or in-app notification at least 30 days before they take effect. Your continued use of the Service after changes constitutes acceptance.

14. Contact

For questions about these Terms, contact us at:

Onalys
Email: info@onalys.com

15. Language

These Terms are currently provided in English. We are preparing French-language legal materials before making Onalys generally available in Quebec.