These Terms and Conditions (“Terms”) are a contract between the business that creates an account (“Customer”, “you”) and Leancfo, Unipessoal Lda, trading as Dori Finance (“Dori Finance”, “we”), registered in Portugal under NIPC 518703045, with its registered office at Rua Penha de França, Nº 125, 1º Dtº, 1170-302 Lisboa, Portugal.
They govern access to and use of the Dori Finance application at app.dorifinance.com and related services (together, the “Platform”). By creating an account or using the Platform you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Platform.
1. Who can use the Platform
The Platform is provided to businesses only. By accepting these Terms you confirm that you are at least 18 years old, are acting on behalf of a company or other business entity, and have authority to bind that entity. Consumer protection rules that apply only to individuals acting outside their trade or profession do not apply to this contract.
2. Accounts and users
- Account holder. The Customer is the account holder. Individual people who sign in are “Users”. The Customer is responsible for all activity under its account and by its Users.
- Credentials. Users must keep their passwords confidential and must not share accounts. Tell us at once at hello@dorifinance.com if you suspect unauthorised access.
- Invited Users and accountants. The Customer may invite colleagues, external accountants or other advisers to access its data. The Customer decides who is invited and what they may see, and is responsible for those people’s use of the Platform and for removing access when it is no longer needed.
- Accurate information. You must provide accurate company, contact and billing details and keep them up to date.
3. The service
Dori Finance is a financial management platform for small and medium-sized businesses. It lets you connect bank accounts, upload invoices, receipts and other financial documents, and uses automation and artificial intelligence (“AI”) to extract data, categorise transactions, suggest reconciliation matches and produce reports.
Dori Finance is a software tool. It is not an accountant, auditor, tax adviser or financial adviser, and it does not provide accounting, tax, legal or investment advice. Nothing in the Platform replaces the work of a certified accountant (Contabilista Certificado) or your own obligations under accounting, tax and company law.
4. AI-assisted features
- How AI is used. The Platform uses AI models to read documents, propose categories and suggest reconciliation matches. These are limited-risk assistive tasks. AI features are identified as such in the Platform.
- Human review. Every AI output is a suggestion. A User must review and confirm it before it takes effect. The Platform does not take autonomous actions with legal or financial consequences and does not make decisions based solely on automated processing that significantly affect you.
- Accuracy. AI can make mistakes, including misreading amounts, dates and counterparties. You are responsible for checking AI outputs before relying on them, and for the accuracy of your books, filings and business decisions.
- Transparency. On request we will explain in general terms how a given AI feature produces its output. We will inform you of material changes to the way AI is used in the Platform.
- Opting out. Where feasible, you may disable specific AI features in the Platform. Some core features depend on AI and cannot be used without it.
- No training on your data. We do not use your financial data to train AI models, and our AI providers are contractually prohibited from doing so.
5. Bank connections
Bank connections are provided through GoCardless Bank Account Data, an authorised account information service provider. You authenticate directly with your bank and choose which accounts to share. We never receive your online banking credentials. Bank connections are read-only. The Platform cannot initiate payments or move money. You may revoke a connection at any time. Bank data availability depends on your bank and on GoCardless, and we are not responsible for interruptions caused by either.
6. Your data
- Ownership. You own the data you upload or connect to the Platform (“Customer Data”). You grant us a limited, non-exclusive licence to host, process, display and transmit Customer Data only as needed to provide the Platform, support you, and comply with the law.
- Roles. For Customer Data about third parties, such as your customers, suppliers and employees, you are the data controller and we are your data processor. For account, billing and usage data, we are the controller. Our Privacy Policy explains both roles.
- Data processing terms. We process Customer Data only on your documented instructions, keep it confidential, apply the security measures in Section 8, use only the subprocessors listed on our Subprocessors page, notify you of changes to that list, assist you with data subject requests and security incidents, and delete or return Customer Data at the end of the contract. Where you need a separate signed data processing agreement, request it at hello@dorifinance.com.
- Your responsibilities. You confirm that you have the right to upload Customer Data and to share it with the people you invite, and that you will not upload data you are not permitted to process.
- Export. You can export your Customer Data from the Platform at any time in a standard format.
- Aggregated data. We may use data that is aggregated and anonymised so that it cannot identify you or any person, to operate and improve the Platform.
7. Confidentiality
We treat Customer Data and any non-public information about your business as confidential. We will not disclose it except to subprocessors bound by confidentiality obligations, to people you have authorised, or where the law requires. This obligation continues after the contract ends.
8. Security
We protect Customer Data with measures appropriate to financial information, including encryption in transit (TLS) and at rest, daily backups stored in the European Union, and restricted, authenticated access to production systems. Bank credentials are never handled by us. If we become aware of a security breach affecting your Customer Data we will notify you without undue delay and give you the information you need to meet your own obligations.
You are responsible for the security of your own devices, networks and credentials, and for the actions of your Users.
9. Plans, fees and payment
- Plans. Features and prices for each plan are shown on our pricing page. Prices exclude VAT, which is added where applicable.
- Billing. Subscriptions are billed in advance, monthly or annually according to the plan you choose. Payments are processed by Stripe. By subscribing you authorise us to charge your chosen payment method for each billing period until you cancel.
- Free plans and trials. Any free plan or trial may be limited in features, volume or duration, and may be changed or withdrawn on notice.
- Late payment. If a payment fails we will notify you and retry. If it remains unpaid 14 days after the due date we may suspend access until it is settled.
- Price changes. We may change prices with at least 30 days’ notice by email. Changes take effect at your next renewal after the notice period. If you do not accept a change you may cancel before it takes effect.
10. Term, cancellation and termination
- Term. Your subscription runs for the billing period you chose and renews automatically for the same period unless cancelled.
- Cancellation by you. You may cancel at any time in the Platform or by emailing hello@dorifinance.com. Cancellation takes effect at the end of the current billing period. You keep access until then. Fees already paid are not refunded, and no pro-rata refund is given for unused time, except where the law requires otherwise.
- Termination by us. We may suspend or terminate your account on notice if you materially breach these Terms and do not cure the breach within 14 days of being told, if your payment is overdue as described in Section 9, or if we are required to do so by law. We may terminate for convenience with at least 60 days’ notice.
- What happens to your data. After termination your Customer Data remains available for export until you ask us to delete it. On request we delete it within 30 days, except for billing records we must keep under Portuguese tax and accounting law. Section 10 of the Privacy Policy has the full retention schedule.
- Survival. Sections 6, 7, 11, 12, 13 and 15 survive termination.
11. Acceptable use and licence
We grant you a limited, non-exclusive, non-transferable licence to access and use the Platform for your internal business purposes during the term. You must not:
- copy, modify, distribute, sell, sublicense or reverse-engineer any part of the Platform;
- use the Platform to break the law, infringe others’ rights, or process data you are not entitled to process;
- interfere with the operation or security of the Platform, or attempt to gain unauthorised access to it or to other customers’ data;
- use automated means to scrape or extract data from the Platform other than through features we provide;
- resell the Platform or use it to build a competing product.
The Platform, its software, design and content are owned by Dori Finance or its licensors and are protected by intellectual property law. All rights not expressly granted are reserved. If you send us feedback, we may use it without obligation to you.
12. Availability and support
We aim to keep the Platform available at all times, but do not guarantee uninterrupted or error-free operation. We may suspend access for maintenance, security or upgrades, and will give advance notice where practical. Support is provided by email at hello@dorifinance.com during Portuguese business hours. Any service level commitments beyond this must be agreed in writing.
13. Warranties and liability
- As is. Except as expressly stated in these Terms, the Platform is provided “as is” and we disclaim all other warranties, express or implied, including fitness for a particular purpose and accuracy of AI outputs.
- Your decisions. You are solely responsible for reviewing outputs and for decisions taken on the basis of the Platform, including accounting entries, tax filings and payments. We are not liable for loss arising from your reliance on unreviewed or incorrect outputs.
- Exclusions. To the extent permitted by law, neither party is liable for indirect or consequential loss, loss of profit, revenue, business or goodwill, or loss or corruption of data caused by events outside its reasonable control.
- Cap. To the extent permitted by law, our total liability arising out of or in connection with these Terms in any 12-month period is limited to the fees you paid us in the 12 months before the event giving rise to the claim.
- What is not limited. Nothing in these Terms limits liability for fraud, wilful misconduct, gross negligence, death or personal injury, or any other liability that cannot be limited under Portuguese law.
14. Indemnity
You will indemnify us against claims by third parties arising from Customer Data you upload, from your breach of Section 6 or Section 11, or from your Users’ use of the Platform in breach of these Terms. We will indemnify you against third-party claims that the Platform, used in accordance with these Terms, infringes their intellectual property rights, provided you notify us promptly and let us control the defence.
15. General
- Changes to these Terms. We may update these Terms to reflect changes to the Platform, including how AI is used, or to the law. For material changes we will notify you by email or in the Platform at least 14 days before they take effect. Continued use after that date is acceptance. If you do not agree, cancel before the change takes effect.
- Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control, including outages at banks, AI providers or hosting providers, provided it uses reasonable efforts to resume.
- Assignment. You may not assign these Terms without our written consent. We may assign them to a successor in a merger, acquisition or sale of assets, with notice to you.
- Entire agreement. These Terms, the Privacy Policy, the Subprocessors page and any written order or data processing agreement between us form the entire agreement and replace any earlier discussions.
- Severability. If any provision is found invalid, the rest remain in force.
- No waiver. Failure to enforce a provision is not a waiver of it.
- Notices. We send notices to the account holder’s email address. Send notices to us at hello@dorifinance.com or by post to the registered office above.
- Language. These Terms are published in English and Portuguese. In case of conflict, the Portuguese version prevails.
16. Governing law and jurisdiction
These Terms are governed by Portuguese law. Any dispute arising out of or in connection with them will be submitted to the exclusive jurisdiction of the courts of Lisbon, Portugal, without prejudice to any mandatory rule granting jurisdiction to another court.
17. Contact
- Leancfo, Unipessoal Lda, trading as Dori Finance
- NIPC 518703045
- Rua Penha de França, Nº 125, 1º Dtº, 1170-302 Lisboa, Portugal
- General: hello@dorifinance.com
- Privacy: hello@dorifinance.com