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1. Google API Limited Use Disclosure

Our use and transfer of information received from Google APIs to any other app will adhere to the Google API Service User Data Policy, including the Limited Use requirements.

2. Our "Zero-Access" Architecture

Unlike many competitors, our Add-on is designed so that your spreadsheet data stays exactly where it belongs: inside your Google Sheet.

• No Data Extraction: We do not have a database that stores your spreadsheet content.
• No Data Visibility: Our developers and systems cannot "see" the values, formulas, or financial data within your spreadsheets.
• Local Execution: The Add-on processes data locally within your Google account environment.

3. Why We Request Specific Permissions (OAuth Scopes)

To function, the Add-on requires specific permissions from your Google Account. Here is why we need them:

4. Payment Processing (Stripe)

• We do not store or process your financial payment details (credit card numbers, bank info).
• All payments are handled by Stripe. Your interaction with Stripe is governed by their own Privacy Policy.
• We only receive confirmation from Stripe that a subscription is active; we never see your full payment credentials.

5. Information We Collect

Because we do not access your spreadsheet data, the only information we collect is "Account Metadata":

• Identity Data: Email address and name (via Google Profile).
• Subscription Data: Subscription type, start date, and transaction ID (via Stripe).
• Usage Metadata: Technical logs (e.g., error reports, timestamp of last use) to help us improve the Add-on.

6. Global Privacy Rights & Compliance

7. International Data Transfers

Since your spreadsheet data never leaves your Google account, no international transfer of your financial data occurs. Account metadata (email/billing info) may be stored on secure servers located in the United States to facilitate global licensing.

8. Data Retention

• Spreadsheet Data: We never have it, so we never retain it.
• Account Metadata: Retained as long as your account is active. If cancelled, deleted after 12 months unless required by law for tax purposes.

9. Contact Us

If you have questions about this policy or how we handle your metadata, please contact:

1. Parties to Agreement and Definitions

• Application Owner: E. CFO Pty Ltd (ABN: 23 162 592 805).
• Application: Refers collectively and separately to the eCFO Compass Google Sheets Add-on, its associated documentation, and all future modified versions, which enable cashflow forecasting by integrating with accounting data sources, such as Xero.
• Accounting Data Source: Third-party services, such as Xero, that the Application connects to under your authorisation.
• Subscription: Your right to use the Application, which is granted for a specific term upon payment of the applicable fees, tied to a single instance of an Accounting Data Source (e.g., one Xero Company File ID).

2. Licence to Use Application

2.1. Grant of Licence: We grant you a personal, non-exclusive, non-transferable, and non-sublicensable license to use the Application for which you have paid all applicable fees, solely for your internal business purposes during the Subscription period.

2.2. User Access: Your right to use the Application is subject to your full compliance with these Terms and the timely payment of your Subscription fees.

2.3. Data Viewing upon Expiry: Should you fail to renew your Subscription, you will no longer be able to use the Application for general processing or reporting. However, the Application may, at our sole discretion, permit use for viewing or exporting data which was entered or calculated prior to the expiry of the Subscription period.

2.4. Prohibited Acts: You must not (a) reverse assemble, reverse compile, or decode the Application or attempt to ascertain its source code; (b) remove, change, or bypass any copyright or Application protection statements; (c) sell, transfer, assign, or sublicense any rights granted under this Licence.

3. Subscription, Fees, and Payment

3.1. Fees: You agree to pay all charges and fees at the prices then in effect for your Subscription. All payments shall be in Australian Dollars (AUD) unless otherwise agreed.

3.2. Taxes: Subscription fees include Australian Goods and Services Tax (GST) for Australian customers. For customers outside Australia, all prices are exclusive of any local sales tax, VAT, or other duties, and you are responsible for paying all such taxes.

3.3. Recurring Charges: If your purchase is subject to recurring charges, you consent to our charging your payment method on a recurring basis without requiring your prior approval for each recurring charge until you notify us of your cancellation.

3.4. Payment Processor: We do not store your full payment details. All payments are processed by our third-party payment processor, Stripe. Your interaction with Stripe is governed by their separate privacy policy.

4. Cancellation and Termination of Licence

4.1. Customer Cancellation: You may cancel your Subscription at any time by selecting the cancellation option within the Application or contacting us.

4.3. Termination by Us: We reserve the right to terminate your Licence immediately and without notice if you breach any of these Terms.

4.4. Retention of Data: Upon termination, your account metadata (as defined in our Privacy Policy) will be handled as set out in our Privacy Policy. Data residing in your Google Sheets is your responsibility.

5. Data Privacy, Processing, and Security

5.1. Privacy Policy: Our full Privacy Policy is available at Privacy Policy and is incorporated into these Terms by reference. You agree to be bound by its contents.

5.2. Zero-Access Architecture: You acknowledge that the Application is designed with a "Zero-Access" Architecture. Your spreadsheet data is processed locally within your Google account environment and is not transmitted to or stored on our servers.

5.3. Xero Integration: You are responsible for authorising the connection between the Application and your Xero account. We only access the data from your Xero account as necessary to perform the agreed-upon Services (e.g., fetching data for forecasting).

5.4. Data Storage and Transfer: Account metadata (email/billing information) may be stored on secure servers located in the United States to facilitate global licensing. Since your financial spreadsheet data never leaves your Google account, no international transfer of your financial data occurs by us.

5.5. Security Incidents: We will notify any affected customers as soon as practical if we discover a security breach involving your personal account metadata, in accordance with applicable laws, including Australia's Notifiable Data Breaches scheme.

6. Exclusion of Warranties and Limitation of Liability

6.1. Australian Consumer Law: Nothing in this agreement excludes, restricts, or modifies the application of any provision of the Australian Consumer Law (“ACL”), the exercise of any right or remedy conferred by the ACL, or our liability for a failure to comply with applicable consumer guarantees, where to do so would contravene the ACL or cause any part of these provisions to be void.

6.2. Disclaimer: The Services are provided on an "AS-IS" and "AS-AVAILABLE" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

6.4. Consequential Damages: In no event will we or our directors, employees, or agents be liable for lost profits, lost savings, damage to or destruction of data, or any incidental or consequential damages.

7. Governing Law and Dispute Resolution

7.1. Governing Law: These Terms of Service are governed by and construed in accordance with the laws of the State of Queensland, Australia.

7.2. Jurisdiction: You irrevocably agree that all disputes are subject to and must be submitted to the non-exclusive jurisdiction of the Courts of Queensland, Australia. This non-exclusive clause allows for you to bring a claim in a local court if required by your local consumer protection laws.

7.3. Informal Negotiations: To expedite resolution and control the cost of any dispute, the Parties agree to first attempt to negotiate any Dispute informally for at least thirty (30) days before initiating any formal legal action.

8. Miscellaneous

8.1. Changes to Terms: We reserve the right to change these Terms at any time. We will alert you about any changes by updating the “Last Updated” date of these Terms of Service.

8.2. Indemnification: You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand made by any third party due to or arising out of your use of the Services or breach of these Terms.