Terms & Conditions

1. Parties & Acceptance

These Terms and Conditions (“Terms”) form a binding contract between Cassia Limited (“Cassia”, “we”, “our”) and the customer identified on the signup page (“Customer”, “you”). By creating an account, connecting an organisation in Xero, or using any Cassia service, you agree to these Terms and our Privacy Policy.

2. Definitions

• “Service” – the Cassia cloud software that logs into Xero (or other integrated systems) to suggest or undo bank-transaction coding and related bookkeeping tasks.
  

• “AI Predictions” – machine learning or AI generated suggestions produced by Cassia’s models.
  

• “Customer Data” – all data you (or your authorised users) submit to the Service, including bank transactions, chart-of-accounts, contacts, invoices, bills, receipts and any personal information.
  

• “Model Outputs” – AI and Machine Learning predictions and any derivative insights returned to you.
  

3. Eligibility & Business Purpose

You warrant that you are acquiring the Service solely for business purposes. To the maximum extent permitted by s 43 of the Consumer Guarantees Act 1993, the guarantees implied by that Act do not apply.

4. Account, Authorisation & Third-party Platforms

4.1 You must maintain accurate account details and keep credentials secure.
4.2 By connecting a Xero organisation you:
(a) appoint Cassia as your authorised agent to perform bookkeeping actions you initiate
(b) confirm you have the necessary rights under Xero’s terms;
(c) acknowledge Cassia is independent of Xero and Xero gives no warranty for Cassia.

5. Licence & Intellectual Property

5.1 Cassia grants you a non-exclusive, non-transferable right to use the Service for your internal business bookkeeping.
5.2 As between the parties, you own Customer Data.
5.3 You grant Cassia a worldwide, royalty-free licence to:

• (i) host, process and display Customer Data to perform the Service;

• (ii) create de-identified, aggregated datasets to train, evaluate and improve Cassia’s machine-learning models.

This licence survives for as long as those aggregated datasets remain at Cassia Limited.

5.4 Automated Suggestions & Configurable Review Window

Cassia’s models generate account-code and contact suggestions (“AI Predictions”) that are held in a review queue for a period you control (“Review Window”). The workspace admin may set the Review Window anywhere between 12 and 48 hours. The countdown starts when a prediction first appears in your Cassia dashboard.

5.5 Deemed Acceptance

If no authorised user edits or rejects a prediction before the Review Window expires, the prediction is automatically finalised and deemed accepted. Cassia will then post the entry to Xero (or another connected ledger) and log the action on your audit trail.

5.6 Human Control & Roll-back

You retain human control at all times. Even after deemed acceptance you may override or roll back any automated entry using the “Remove & Redo” function, which will reverse the posting in Xero and return the transaction to an un-coded state.

5.7 Right to an Explanation

Upon written request, Cassia will provide:
    (a) the principal data points the model considered in making a specific prediction; and
    (b) a manual review of any prediction you believe is incorrect.
No legally significant decision is made solely by an algorithm until the Review Window you have chosen has elapsed.

5.8 Responsibility for Outcomes

AI Predictions are probabilistic and do not constitute accounting or tax advice. You remain solely responsible for reviewing and approving every coding decision and for any regulatory filings or financial statements that rely on those decisions.

5.9 Consent to AI processing. 

By uploading or connecting Customer Data you expressly consent to Cassia’s storage, analysis and automated processing of that data, using artificial-intelligence and machine-learning techniques, for the purpose of generating AI Predictions and otherwise providing or improving the Service.

6. Privacy & Cross-border Transfers

6.1 Cassia complies with the Privacy Act 2020 and Information Privacy Principles. Personal information may be stored on the Google Cloud Platform and accessed by staff in NZ. By using the Service you consent to this transfer.
6.2 Cassia will not sell identifiable Customer Data. We apply encryption in transit and at rest and follow the NZ Government’s Algorithm Charter guidance on transparency.

7. How Cassia’s AI Works & Key Limitations

7.1 Cassia’s models analyse historical coded transactions to predict likely account codes for new transactions.
7.2 Predictions are probabilistic and may be wrong. They do not constitute accounting or tax advice. You remain solely responsible for reviewing and approving every coding decision before filing accounts or GST.
7.3 Accuracy can vary where data is incomplete, unclean, or where transaction patterns change.

8. Service Levels & Support

Cassia will use commercially reasonable efforts to provide 99 % monthly uptime, excluding scheduled maintenance (typically outside NZT business hours) and force-majeure events. Support is via in-app chat or [email protected] (Mon-Fri, 9 am–5 pm NZT).

9. Fees, Invoicing & Refunds

9.1 Fees are month-to-month or yearly, billed to the credit card you supply. We may change fees with 30 days’ email notice.
9.2 14-day cooling-off: if you cancel within 14 NZ working days of first subscription activation and have coded < 5 % of your allocated transactions, we will refund your first payment. After that, all fees are non-refundable except as required by law.

10. Suspension & Termination

We may suspend or terminate your access immediately if you (i) breach these Terms, (ii) violate Xero’s platform rules, or (iii) attempt to interfere with Cassia’s systems. Either party may terminate for convenience with 30 days’ notice. On termination we will make Customer Data exports available for 30 days, then delete live copies (back-ups auto-purged after 90 days).

11. Warranties & Disclaimers

11.1 Cassia warrants that it will provide the Service with reasonable skill and care.
11.2 Except as set out in 11.1 and to the extent permitted by law, the Service and Model Outputs are provided “as-is”, “as-available” and “with all faults.” Cassia disclaims all other warranties, including fitness for a particular purpose and non-infringement.

11.3 AI-generated errors. 

Cassia is not liable for any loss, damage or cost arising from errors in AI Predictions unless such errors result directly from Cassia’s negligence, wilful misconduct or breach of these Terms. You acknowledge that (a) AI Predictions are probabilistic, (b) you control the Review Window and retain final decision-making authority, and (c) you remain responsible for verifying all postings before relying on them for regulatory or financial-reporting purposes.

12. Liability Cap

To the fullest extent permitted by law, Cassia’s aggregate liability (whether in contract, tort or otherwise) arising out of or in connection with the Service will not exceed the fees paid by you in the 3 months preceding the event giving rise to liability. Cassia will not be liable for indirect or consequential loss, lost profits, or loss of data.

13. Indemnities

You indemnify Cassia against claims arising from (a) your breach of these Terms, (b) Customer Data infringing third-party rights, or (c) your use of Model Outputs without appropriate professional review.

14. Compliance & Prohibited Conduct

You must not use the Service to:

• break any NZ law (including AML/CFT or sanctions rules);

• upload illegal or malicious content;

• reverse engineer, clone or build a competing product.

Cassia may audit usage to verify compliance.

15. Force Majeure

Neither party is liable for delay or failure to perform caused by events beyond its reasonable control (earthquake, pandemic, cloud-provider outage, etc.).

16. Governing Law & Dispute Resolution

These Terms are governed by New Zealand law. Any dispute will be referred to arbitration in Wellington under the Arbitration Act 1996. Either party may seek urgent injunctive relief in the NZ courts.

17. Notices

Legal notices must be emailed to [email protected] (for Cassia) and to the email on your billing profile (for you). Notice is deemed received on the next NZ business day.

18. General

18.1 No assignment: You may not assign these Terms without Cassia’s written consent.
18.2 Severability: If any provision is unenforceable, the remainder stays in effect.
18.3 Entire agreement: These Terms and the Privacy Policy are the parties’ entire agreement and replace all prior discussions.
18.4 Changes: Cassia may update these Terms by posting a revised version and emailing you. Continued use after the effective date equals acceptance.