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Terms & Conditions

Last updated: 1 September 2026

1. About These Terms

These Terms & Conditions (the "Terms") govern your access to and use of the Merchaint platform, websites, APIs, and related services (the "Service"), operated by Merchaint ("we", "our", or "us"). By creating an account, starting a trial, or otherwise using the Service, you agree to these Terms. If you are agreeing on behalf of a company or other organisation, you confirm that you have authority to bind that organisation, and "you" refers to that organisation.

If you do not agree to these Terms, do not use the Service.

2. The Service

Merchaint is a document-processing and data-automation platform. It extracts data from documents you provide, compares and validates that data against your records and rules, and runs the workflows you configure. The features available to you depend on your subscription plan.

We may add, change, or remove features over time. We will not make changes that materially reduce the core functionality of a paid plan during a billing period without giving you reasonable notice.

3. Accounts

  • You must be at least 18 years old and able to form a binding contract.
  • You are responsible for the accuracy of your account information and for keeping your credentials confidential.
  • You are responsible for all activity under your account and under the accounts of users you invite to your workspace.
  • Tell us promptly at hello@merchaint.com if you believe your account has been compromised.

4. Trials, Fees, and Billing

  • Free trials are provided for evaluation only and may be modified or ended at our discretion. Unless you cancel before the trial ends, your plan continues on a paid basis at the then-current rates.
  • Subscription fees are billed in advance on the cycle shown at checkout and renew automatically until cancelled.
  • Usage-based charges (for example, document volume above your plan allowance) are billed in arrears.
  • Fees are exclusive of GST and any other applicable taxes, which are your responsibility.
  • Except where required by law, payments are non-refundable. Cancelling stops future renewals; it does not refund the current period.
  • We may change pricing on at least 30 days' notice, effective from your next renewal.
  • If payment fails or is overdue, we may suspend the Service after giving you notice and a reasonable opportunity to fix it.

5. Your Data

You retain all rights in the documents, records, and other content you or your users upload or connect to the Service ("Your Data"). You grant us a non-exclusive, worldwide licence to host, process, transmit, and display Your Data solely to operate and support the Service for you, and to comply with the law.

You are responsible for having the rights and consents needed to provide Your Data to us, including where it contains personal data of your customers, suppliers, or staff. Our handling of personal data is described in our Privacy Policy.

We may use aggregated and de-identified data that does not identify you or any individual to operate, secure, and improve the Service.

6. Automated Processing and Accuracy

The Service uses automated extraction, matching, and machine-learning techniques. These are probabilistic: results may be incomplete or incorrect, and confidence indicators are estimates, not guarantees. You are responsible for reviewing outputs before relying on them for any accounting, tax, payment, contractual, or regulatory purpose, and for maintaining appropriate human review and approval controls in your workflows.

The Service is a processing tool. It is not accounting, tax, legal, or financial advice.

7. Acceptable Use

You must not:

  • Break the law, or infringe anyone's rights, using the Service.
  • Upload malware, or content you do not have the right to upload or have us process.
  • Attempt to gain unauthorised access to the Service, to other customers' data, or to our infrastructure, or probe our security without written permission.
  • Reverse engineer, decompile, or copy the Service, or resell or provide it to third parties except as expressly permitted by your plan.
  • Use the Service to build a competing product, or to benchmark it for publication without our written consent.
  • Place unreasonable load on the Service, or circumvent rate limits, quotas, or plan allowances.

8. Third-Party Integrations

The Service can connect to third-party systems such as accounting and ERP platforms. Your use of those systems is governed by their own terms, and we are not responsible for their availability, accuracy, or acts. If you authorise a connection, you authorise us to exchange data with that system as needed to provide the integration. Disconnecting an integration may reduce or disable related features.

9. Intellectual Property

We own the Service, including all software, models, interfaces, documentation, and branding, and all improvements to them. Subject to these Terms and payment of applicable fees, we grant you a non-exclusive, non-transferable, revocable right to use the Service during your subscription. No other rights are granted.

If you send us feedback or suggestions, we may use them without restriction or obligation to you.

10. Confidentiality

Each party may receive non-public information from the other. The receiving party will use that information only to perform under these Terms, protect it with at least reasonable care, and not disclose it except to personnel and contractors bound by similar obligations, or where required by law.

11. Availability and Support

We aim to keep the Service available and to provide support during Singapore business hours. The Service may be unavailable during planned maintenance, or as a result of events outside our reasonable control. Unless your plan includes a written service level agreement, the Service is provided without an uptime commitment.

12. Suspension and Termination

  • You may cancel your subscription at any time, effective at the end of the current billing period.
  • We may suspend or terminate your access if you materially breach these Terms, fail to pay, or if your use poses a security or legal risk. Where practical, we will give notice and an opportunity to cure.
  • On termination, your right to use the Service ends. You may export Your Data for 30 days after termination, after which we may delete it in line with our retention practices.
  • Sections on data, intellectual property, confidentiality, disclaimers, liability, indemnity, and governing law survive termination.

13. Disclaimers

To the maximum extent permitted by law, the Service is provided "as is" and "as available". We disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted or error-free, or that extracted or matched data will be accurate or complete.

14. Limitation of Liability

To the maximum extent permitted by law, neither party is liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, goodwill, or data, however caused. Our total aggregate liability arising out of or relating to the Service is limited to the fees you paid us in the 12 months before the event giving rise to the claim.

Nothing in these Terms limits liability that cannot be limited by law, including liability for fraud or for death or personal injury caused by negligence.

15. Indemnity

You will indemnify and hold us harmless against claims, losses, and reasonable costs arising from Your Data, your use of the Service in breach of these Terms, or your violation of law or third-party rights.

16. Changes to Terms

We may update these Terms from time to time. If a change is material, we will notify you by email or in the Service before it takes effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

17. Governing Law and Disputes

These Terms are governed by the laws of Singapore, without regard to conflict of law rules, and the parties submit to the exclusive jurisdiction of the courts of Singapore. Before starting proceedings, please contact us so we can try to resolve the matter directly.

18. General

  • These Terms, together with our Privacy Policy and any order form or plan terms, are the entire agreement between us on this subject.
  • You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets.
  • If any provision is held unenforceable, the rest remains in effect. A delay in enforcing a right is not a waiver of it.
  • Neither party is liable for delays caused by events beyond its reasonable control.
  • There are no third-party beneficiaries to these Terms.

19. Contact Us

Questions about these Terms? Get in touch: