These terms govern your use of the Nikmani platform. We have written them to be as clear as possible while giving both you and us the protections we each need. If you have questions, contact us.
Last updated: August 7, 2026 | Governed by the laws of Ontario, Canada
The short version. Use Nikmani to run your business honestly. Pay for what you subscribe to. Do not abuse the platform or other users. These terms explain the full picture and form a binding legal contract between you and Nikmani Inc.
By creating an account, clicking "I agree," or using any part of the Nikmani platform (nikmani.com and app.nikmani.com), you agree to be bound by these Terms of Service and our Privacy Policy, which is incorporated into these terms by reference. Together, these documents form the entire agreement between you and Nikmani Inc.
If you are creating an account or using the platform on behalf of a business, organization, or other legal entity, you represent and warrant that you have the authority to bind that entity to these terms, and "you" refers to that entity.
If you do not agree to these terms, you may not create an account or use the platform.
Nikmani is a cloud-based accounting platform operated by Nikmani Inc., a company incorporated in Canada and headquartered in Toronto, Ontario. The platform provides bookkeeping, transaction tracking, invoicing, reporting, and AI-assisted financial tools for Canadian small businesses.
Service modifications. We reserve the right to modify, add, or remove features of the platform at any time. We will provide reasonable advance notice of changes that significantly affect functionality you rely on. We may suspend or discontinue the platform with at least 30 days' notice except in emergency circumstances.
Beta features. Features designated as "beta," "preview," or "coming soon" are provided as-is for testing purposes. Beta features may be modified or discontinued without prior notice and are excluded from any service level commitments.
Availability. We strive to maintain high availability but do not guarantee uninterrupted access. Scheduled maintenance will be announced in advance where possible. Unplanned outages will be communicated through our platform.
To use the Nikmani platform, you must:
Account security. You are solely responsible for maintaining the security of your account credentials. You must notify us immediately at contact@nikmani.com if you suspect unauthorized access to your account. You are responsible and liable for all activity that occurs under your account, whether or not authorized, until you notify us of a security breach.
Account sharing. Each account may only be used by the registered user. You may not share login credentials with others outside the built-in permissions and invitation system provided in the platform.
False information. Providing false, inaccurate, or misleading information when creating an account or at any time during your use of the platform is grounds for immediate account termination.
You may use Nikmani for lawful business purposes only. You represent and warrant that your use of the platform complies with all applicable federal, provincial, and local laws and regulations, including (without limitation) PIPEDA, the Income Tax Act (Canada), the Excise Tax Act (Canada), and Canada's Anti-Spam Legislation (CASL).
You may not, directly or indirectly:
Violations of this section may result in immediate suspension or termination of your account and may expose you to civil and criminal liability.
Free trials. Silver plan subscriptions include a 7-day free trial. Gold and Platinum plan subscriptions include a 14-day free trial. A valid payment method is required to activate a trial. No charge is made during the trial period. If you cancel before the trial ends, you will not be charged. If you do not cancel before the trial ends, your subscription begins automatically at the applicable plan rate.
Paid subscriptions. Paid plans are billed monthly in Canadian dollars (CAD). Your subscription renews automatically at the end of each billing period unless you cancel. All prices are exclusive of applicable taxes; GST/HST and any other applicable taxes will be added to your invoice as required by law.
Cancellation. You may cancel your subscription at any time from your account Settings. Cancellation takes effect at the end of the current paid billing period; you retain access to paid features until that date. Cancelling a free trial before it expires prevents any charge.
No refunds. Except as required by applicable law, we do not provide refunds for any paid subscription period that has already begun. This includes partial months and annual plans.
Price changes. We may change subscription prices at any time. We will provide at least 30 days' written notice by email before a price increase takes effect for existing subscribers. You may cancel before the new price takes effect and will not be charged at the new rate.
Non-payment. If we are unable to process your payment method, we will notify you by email. Accounts with outstanding balances may be suspended after reasonable notice. We reserve the right to collect overdue amounts using all available legal means.
Payment processing. All payments are processed by Stripe Inc. By providing a payment method, you authorize Stripe to charge your card on our behalf in accordance with these terms. Your card details are held by Stripe and governed by Stripe's own terms and privacy policy.
Ownership. Everything you enter into the Nikmani platform belongs to you. We do not claim any ownership interest in your financial data, business information, invoices, transactions, or any other content you create or upload using the platform.
License to process. By using the platform, you grant Nikmani a limited, non-exclusive, revocable license to store, process, and transmit your data solely as necessary to provide the service to you. This license ends when you close your account and all data has been deleted.
Accuracy of data. The accuracy, completeness, and legality of the data you enter into the platform is your sole responsibility. If the data you enter is incorrect, incomplete, or unlawful, any reports, outputs, or insights generated by the platform may also be incorrect. Nikmani is not responsible for decisions you make based on inaccurate data you have entered, or for tax or regulatory consequences arising from errors in data you provide.
No backup guarantee. While we maintain daily encrypted backups, we do not guarantee that data will never be lost. You are responsible for maintaining your own independent backups of critical financial records. We encourage you to export your data regularly using the data export feature in Settings.
Data on account closure. On account closure, you have 30 days to export your data. After 30 days, all your personal information and financial data will be permanently and irreversibly deleted. See our Privacy Policy for details.
Features. Nikmani includes AI-powered features including receipt scanning and automatic categorization (Silver plan and above) and the AI Consultant (Platinum plan). It also includes algorithmic tools such as cash flow forecasting and breakeven analysis (Gold plan and above). Availability of specific features depends on your plan.
Not professional advice. Nothing generated by any AI feature or algorithmic tool on the Nikmani platform constitutes professional accounting advice, tax advice, legal advice, financial planning advice, or any other form of regulated professional advice. AI outputs are informational tools to assist you; they are not a substitute for advice from a qualified accountant, tax professional, or lawyer. Nikmani is not a chartered professional accountant, a tax preparer, or a licensed financial advisor. For tax filing, CRA disputes, legal matters, or material financial decisions, consult a qualified professional.
Your responsibility. You are solely responsible for reviewing and verifying all AI-generated categorizations, projections, and outputs before relying on them for any purpose, including tax filings, business decisions, or financial statements. Nikmani is not liable for any errors, omissions, or inaccuracies in AI-generated or algorithmically generated content, or for any consequences arising from your reliance on such content.
Projections are estimates. Cash flow forecasts, breakeven analyses, and other algorithmic projections are estimates based on the data you have entered and historical patterns. They are not guarantees of future financial performance. Actual results may differ materially from projections.
Third-party AI processing. AI features transmit certain data to Anthropic PBC for processing. By using AI features, you consent to this transfer as described in our Privacy Policy. You may disable AI features at any time from account Settings.
Nikmani's property. The Nikmani platform, including its name, logo, design, interface, features, underlying software, algorithms, source code, documentation, and all other components, is owned by Nikmani Inc. and is protected by copyright, trademark, trade secret, patent, and other intellectual property laws in Canada and internationally. Nothing in these terms grants you any ownership interest in the platform or any of its components.
Your license. Subject to your compliance with these terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the platform for its intended purpose (operating and analyzing your own business finances) during your active subscription period. This license terminates automatically upon account closure or termination.
Restrictions. You may not copy, distribute, modify, create derivative works of, publicly display, or commercially exploit any part of the platform or its content without our prior written consent.
Feedback license. If you provide any feedback, suggestions, ideas, or recommendations about the platform ("Feedback"), you grant Nikmani a perpetual, worldwide, irrevocable, royalty-free, fully paid-up license to use, reproduce, modify, and commercialize that Feedback without any obligation to compensate you or attribute it to you. You represent that your Feedback does not infringe any third-party rights.
Your content. You retain ownership of all content you create using the platform. By uploading content, you represent that you have the right to do so and that the content does not infringe any third-party intellectual property rights.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE NIKMANI PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. NIKMANI INC. AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND SUPPLIERS EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT:
YOU ASSUME ALL RISK ARISING FROM YOUR USE OF THE PLATFORM AND ANY DECISIONS YOU MAKE BASED ON CONTENT GENERATED BY THE PLATFORM.
Some jurisdictions do not permit the exclusion of certain implied warranties. To the extent applicable provincial consumer protection law prohibits such exclusions, those exclusions apply only to the full extent permitted by law.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL NIKMANI INC. OR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR SUPPLIERS BE LIABLE FOR ANY OF THE FOLLOWING, EVEN IF NIKMANI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES:
IN NO EVENT WILL NIKMANI'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF THESE TERMS OR YOUR USE OF THE PLATFORM, REGARDLESS OF THE FORM OF ACTION (WHETHER IN CONTRACT, TORT, STATUTE, OR OTHERWISE), EXCEED THE GREATER OF: (A) ONE HUNDRED CANADIAN DOLLARS ($100 CAD); OR (B) THE TOTAL AMOUNTS YOU ACTUALLY PAID TO NIKMANI IN THE THREE (3) CALENDAR MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
THESE LIMITATIONS ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN NIKMANI AND YOU AND APPLY EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
Some jurisdictions do not allow the exclusion or limitation of liability for certain types of damages. To the extent that applicable provincial law prohibits such limitations, our liability is limited to the minimum extent permitted by that law.
You agree to defend, indemnify, and hold harmless Nikmani Inc. and its officers, directors, employees, agents, affiliates, licensors, and suppliers from and against any and all claims, liabilities, damages, losses, fines, penalties, costs, and expenses (including reasonable legal fees and disbursements) arising out of or relating to:
We reserve the right to assume exclusive control of the defense of any matter otherwise subject to indemnification by you, at your expense. You agree to cooperate with our defense of any such claims and not to settle any matter without our prior written consent.
Integrated services. The platform integrates with third-party services including Stripe (for payment processing) and may in the future integrate with banking and other financial services. Your use of any third-party service is subject to that service's own terms of service and privacy policy. Nikmani is not responsible for the practices, content, or availability of third-party services.
External links. The platform and our websites may contain links to external websites for convenience. These links do not constitute an endorsement of those websites or their content. Nikmani has no control over, and accepts no responsibility for, the content, privacy practices, or availability of external websites.
Third-party failures. Nikmani is not responsible for any failures, outages, errors, or security incidents caused by or attributed to third-party services, including Stripe, Anthropic, Supabase, AWS, or Resend. We will make reasonable efforts to minimize disruption when third-party services experience issues.
Termination by you. You may cancel your account at any time from your account Settings. Upon cancellation, your subscription ends at the end of the current billing period and your account is closed.
Termination or suspension by Nikmani. We reserve the right to suspend or terminate your access to the platform, with or without prior notice, in the following circumstances:
Effect of termination. On termination or expiry of your account: your access to the platform ends immediately; any outstanding payment obligations remain due; you have 30 days to export your data before permanent deletion. Termination does not affect any rights or obligations that accrued before termination.
Survival. Sections 8 (Intellectual Property), 9 (Disclaimer of Warranties), 10 (Limitation of Liability), 11 (Indemnification), 14 (Disputes), and 15 (General) survive any termination or expiry of these terms.
Informal resolution first. Before initiating any formal legal proceeding, you agree to contact us at contact@nikmani.com describing your dispute in reasonable detail and giving us 30 days to resolve it informally. We will make good-faith efforts to resolve all disputes through direct discussion. Most issues can be resolved quickly this way.
Governing law. These terms, and any dispute or claim arising out of or relating to them or your use of the platform (whether in contract, tort, statute, or otherwise), are governed by and construed in accordance with the laws of the Province of Ontario and the applicable federal laws of Canada, without regard to conflict of law principles.
Jurisdiction. Subject to the informal resolution process above, you irrevocably submit to the exclusive jurisdiction of the courts of the Province of Ontario for the resolution of any dispute not settled informally, unless both parties agree in writing to another forum.
Individual claims only. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ALL CLAIMS AGAINST NIKMANI MUST BE BROUGHT ON AN INDIVIDUAL BASIS AND NOT AS PART OF A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR ANY OTHER REPRESENTATIVE PROCEEDING. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS-WIDE PROCEEDING AGAINST NIKMANI. IF THIS WAIVER IS FOUND UNENFORCEABLE FOR A SPECIFIC CLAIM, THAT CLAIM MUST BE SEVERED FROM ANY CLASS PROCEEDING AND PROCEEDED WITH INDIVIDUALLY.
Force majeure. Nikmani is not liable for any delay or failure in performance of the platform or its obligations under these terms resulting from causes beyond our reasonable control, including (without limitation) natural disasters, acts of God, pandemics, government actions, internet or telecommunications disruptions, power failures, cyberattacks on infrastructure, or failures of third-party service providers.
Entire agreement. These Terms of Service and our Privacy Policy constitute the entire agreement between you and Nikmani Inc. with respect to the platform and supersede all prior and contemporaneous agreements, representations, and understandings, whether oral or written, relating to the same subject matter. No prior draft of these terms has legal effect.
Severability. If any provision of these terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.
No waiver. Our failure to enforce any right or provision of these terms in any particular instance is not a waiver of that right or provision. Any waiver must be express and in writing to be effective.
Assignment. You may not assign or transfer your rights or obligations under these terms without our prior written consent. We may assign our rights and obligations under these terms to any affiliate or in connection with a merger, acquisition, or sale of all or substantially all of our assets, with notice to you.
Notices. We may provide notices to you by email to the address registered in your account, or by posting a notice on the platform. Notices are effective when sent. You may provide notices to us by email to contact@nikmani.com. Legal notices must be sent to Nikmani Inc., Toronto, Ontario, Canada.
Updates to these terms. We may update these terms from time to time. We will notify you by email at least 14 days before a material change takes effect. The updated terms will be posted on this page. Continued use of the platform after changes take effect constitutes your acceptance of the updated terms. If you do not agree to the updated terms, you must stop using the platform and may close your account.
Language. These terms are drafted in English. Any French translation is provided for convenience only. In the event of any inconsistency between the English version and a translation, the English version governs, except to the extent that applicable Quebec law requires otherwise.
Questions or concerns about these terms? Contact us at:
For privacy-related matters, contact our Privacy Officer at privacy@nikmani.com.