Terms of Use

These Terms of Use are between you and Loom Labs Pty Ltd (ABN 21 677 704 666), the operator of Ovio. They apply when you access or use Ovio, including the Ovio website, application, connected services, support, and billing flows. By creating an account, accessing Ovio, or using Ovio for a business or workspace, you agree to these terms.

You must be at least 18 years old and able to enter into a legally binding agreement to use Ovio. If you use Ovio for a business, client, company, trust, partnership, or other workspace, you confirm that you have authority to create and manage that workspace, provide its records, connect relevant services, and bind that workspace to these terms. If you do not agree to these terms, you must not use Ovio.

Ovio provides record-keeping software for receipt capture, bank CSV import, review queues, transaction matching, BAS/GST prep visibility, dashboards, and export. Features may change over time as we improve the product, fix issues, change providers, or respond to legal, security, or operational needs, subject to the change protections in these terms.

You keep ownership of the business records and content you submit. You give Ovio permission to host, process, copy, transform, display, transmit, and analyse that material as needed to provide, secure, support, operate, debug, and improve the reliability and product quality of the service. Where practicable, improvement analysis uses aggregated or de-identified information. This includes using service providers listed in our Privacy Policy. Ovio does not use your submitted receipt, bank transaction, workspace, or business records to train general AI models.

Ovio uses AI to extract receipt fields and make transaction descriptions easier to review. AI output may be incomplete, stale, or incorrect. You are responsible for checking extracted dates, merchants, totals, GST, categories, matching, descriptions, and any other suggested fields before relying on them or sharing them.

Ovio is software only. It is not a tax adviser, accountant, lawyer, financial adviser, registered tax agent, registered BAS agent, or lodgement service. Ovio does not decide business versus personal use, does not infer GST when GST is not shown, does not approve records, and does not lodge BAS/GST, activity statements, or tax returns. BAS/GST prep views are preparation and visibility tools based on information available in Ovio. You must verify all figures, records, classifications, GST treatment, and exports before lodging, claiming, or sharing them, and should obtain advice from an appropriately registered adviser where needed.

Ovio is a record-keeping tool, but it is not a substitute for your own record-retention obligations. You are responsible for keeping any source documents, bank records, exports, tax records, and other records you are required to retain outside Ovio. If you cancel, close an account, disconnect a service, or request deletion, Ovio may restrict or remove access to some records. Deletion may not immediately remove information from backups, logs, billing records, security records, legal records, or records that Ovio is required or reasonably entitled to retain.

To the extent allowed by law, you indemnify Ovio against third-party claims, regulatory penalties to the extent legally indemnifiable, losses, costs, and expenses arising from records you were not authorised to provide, unlawful use of Ovio, infringement of another person's rights, fraudulent or misleading records you submit, or a material breach of the acceptable use rules. This indemnity does not apply to the extent the claim, loss, cost, or expense is caused by Ovio's negligence, fraud, wilful misconduct, breach of these terms, or failure to meet legal obligations.

If you connect or use a third-party service with Ovio, including Google sign-in, WhatsApp, Stripe, email, SMS, or another supported service, you authorise Ovio and the relevant provider to exchange and process information needed for that feature. Google sign-in exchanges basic account information needed to create or access your Ovio account. You are responsible for complying with the provider terms that apply to your connected account. Disconnecting a service generally stops future use of that connection, but does not automatically delete records already imported, created, processed, or retained in Ovio.

Ovio depends on third-party services for hosting, storage, email, messaging, AI, billing, auth, monitoring, and security. Those services may change, fail, rate-limit, delay, reject, or alter functionality. Ovio may be unavailable during maintenance, incidents, provider outages, network issues, or product changes.

We treat non-public business records you submit to Ovio as confidential and use or disclose them only as needed to provide, secure, support, bill, administer, debug, and improve the reliability and product quality of Ovio, to work with our service providers, to comply with law, to handle disputes or abuse, or as otherwise allowed by these terms or our Privacy Policy. Where practicable, improvement analysis uses aggregated or de-identified information.

We take reasonable steps to protect business records submitted to Ovio and to restrict access to people and service providers who need access for operation, security, support, billing, legal, or abuse-handling purposes. No internet service, storage system, integration, or transmission method can be guaranteed to be completely secure. You are responsible for keeping your account credentials, MFA device, connected accounts, and exported files secure.

Support is available at [email protected]. We try to respond within a reasonable time, but we do not promise a particular response time unless a separate written agreement says so. Support may require identity, account, billing, workspace, or security checks before we act on account-specific requests. Support is for product-use and account questions only and does not include tax, accounting, legal, financial, BAS, or lodgement advice.

Ovio owns the service, website, software, design, branding, and other Ovio materials, except for your submitted records and third-party materials. If you give feedback, suggestions, or ideas, you allow us to use them without restriction or compensation.

We may suspend or terminate access if we reasonably believe you breached these terms, created security or legal risk, failed to pay when required, exceeded limits, or used Ovio in a way that could harm Ovio, users, providers, or others. You may stop using Ovio at any time and may ask us about export or deletion options.

Nothing in these terms excludes, restricts, or modifies rights, guarantees, remedies, or obligations that cannot be excluded under the Australian Consumer Law or other applicable law. Nothing in these terms limits liability for fraud, wilful misconduct, gross negligence, payment obligations, confidentiality, privacy, or security breaches, or any obligation that cannot legally be limited.

To the maximum extent allowed by law and subject to those carve-outs, Ovio is provided on an as-is and as-available basis. We do not promise that records, AI output, matching, BAS/GST views, exports, or integrations will be complete, accurate, uninterrupted, or suitable for your specific tax, accounting, legal, financial, or business needs. To the extent we can limit remedies under law, our liability is limited to supplying the service again or paying the cost of having the service supplied again. Otherwise, each party is responsible only for direct loss that was reasonably foreseeable and caused by that party's breach, negligence, or wilful misconduct.

We may update these terms, paid plan inclusions, pricing, or core service functionality as Ovio changes. For material adverse changes to these terms, paid plan inclusions, pricing, or core service functionality, we will give at least 30 days' notice unless an urgent legal, security, provider, or operational reason requires a faster change.

Paid pricing changes apply from your next renewal unless we tell you a later date or a different timing is required by law. You can cancel before a material adverse change takes effect and export available records using the export options then available in the product. Narrow urgent changes may take effect sooner where reasonably needed to protect Ovio, users, providers, or legal compliance.

These terms are governed by the laws of the Australian Capital Territory, Australia. Each party submits to the non-exclusive jurisdiction of the courts of the Australian Capital Territory and the Commonwealth courts of Australia. Legal notices for Ovio should be sent to Loom Labs Pty Ltd (ABN 21 677 704 666) at [email protected].