Terms of Service

Last Updated: April 22, 2026

1. Acceptance of Terms

By accessing or using the Paier platform (the “Service”) provided by Paier, Inc. (“Paier,” “we,” “us,” or “our”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not use the Service.

These Terms apply to all users, including employers, employees, vendors, and any other parties accessing the Service.

2. Description of Service

Paier provides an AI-powered accounts payable automation and daily pay platform that includes:

• Invoice processing and payment automation
• Vendor management and communication
• Daily pay / earned wage access for employees
• Bank account connectivity via Plaid
• AI assistant (“Bob from Accounting”) for financial tasks
• Email inbox scanning for invoice detection and fraud prevention
• Fraud detection and security monitoring (Guardian AI)

3. Account Registration

3.1 Eligibility

You must be at least 18 years old and have the legal authority to bind yourself or your organization to these Terms.

3.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access

3.3 Accurate Information

You agree to provide accurate, current, and complete information during registration and to update such information as necessary.

4. Acceptable Use

You agree NOT to:

• Use the Service for any illegal purpose or in violation of any laws
• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to any part of the Service
• Interfere with or disrupt the Service or servers
• Use the Service to transmit malware or harmful code
• Reverse engineer, decompile, or attempt to extract source code
• Use automated systems (bots, scrapers) without permission
• Impersonate another person or entity

5. Financial Services

5.1 Payment Processing

Payment processing services are provided through third-party partners including Stripe, Dwolla, and Plaid. Your use of these services is subject to their respective terms and conditions.

5.2 Daily Pay / Earned Wage Access

Daily pay features allow eligible employees to access earned wages before payday. This is subject to:

• Employer enrollment and approval
• Available earned wage balance
• Applicable fees (if any) disclosed at time of transaction

5.3 ACH Transfers

ACH transfers typically take 1-3 business days. You authorize us to initiate debit and credit entries to the bank accounts you connect.

6. Email Scanning & Gmail Integration

6.1 Authorization

By connecting your Gmail account to Paier, you authorize us to access your email data as described in our Privacy Policy (Section 9). This access is used solely to provide invoice detection, fraud prevention, and vendor communication features.

6.2 Your Responsibilities

• You are responsible for reviewing all AI-generated email drafts before sending
• You acknowledge that email scanning results (invoice amounts, vendor identification, threat assessments) are AI-generated and may contain errors
• You should verify critical financial information before taking action

6.3 Limitations

• Email scanning is provided as-is and may not detect all invoices, threats, or relevant emails
• Guardian AI fraud detection is a supplementary tool and does not guarantee protection against all threats
• We are not responsible for actions taken based on AI-generated assessments

6.4 Revocation

You may disconnect your Gmail at any time from the Settings page. You may also revoke access from your Google Account permissions. Upon revocation, email scanning features will be disabled and stored scan data will be deleted within 30 days.

7. Fees and Billing

Fees for using the Service are described on our pricing page and in your service agreement. We reserve the right to change fees with 30 days notice.

• Subscription fees are billed monthly or annually as selected
• Transaction fees (if applicable) are deducted at time of transaction
• All fees are non-refundable unless otherwise stated

8. Intellectual Property

The Service, including its original content, features, and functionality, is owned by Paier and is protected by copyright, trademark, and other intellectual property laws.

You retain ownership of any content you upload (invoices, documents, etc.), but grant us a license to use, process, and store such content to provide the Service.

9. AI Services (Bob from Accounting)

Our AI assistant “Bob from Accounting” is designed to help with financial tasks but:

• Is not a substitute for professional financial, legal, or tax advice
• May occasionally make errors or provide incomplete information
• Should have its outputs reviewed before taking significant actions

You are responsible for verifying any information or recommendations provided by the AI.

10. Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your data, including specific provisions for Gmail data usage.

11. Third-Party Services

The Service integrates with third-party services including:

• Google (Gmail — email scanning and sending)
• Plaid (bank account connectivity)
• Stripe, Dwolla (payment processing)
• QuickBooks (accounting sync)
• Gusto (payroll integration)

Your use of these services is subject to their respective terms. We are not responsible for their availability or functionality.

12. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OR RELIABILITY OF RESULTS

We do not guarantee uninterrupted or error-free operation of the Service.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PAIER SHALL NOT BE LIABLE FOR:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, data, or business opportunities
• Damages arising from third-party services or integrations
• Damages arising from AI-generated recommendations or email assessments

Our total liability shall not exceed the amounts paid by you to Paier in the 12 months preceding the claim.

14. Indemnification

You agree to indemnify and hold harmless Paier, its officers, directors, employees, and agents from any claims, damages, or expenses arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights

15. Termination

We may suspend or terminate your account at any time for:

• Violation of these Terms
• Fraudulent or illegal activity
• Non-payment of fees
• Extended inactivity

You may terminate your account at any time by contacting support. Upon termination, your right to use the Service ceases immediately.

16. Changes to Terms

We may modify these Terms at any time. Material changes will be communicated via email or notice on the Service at least 30 days before taking effect. Continued use of the Service after changes constitutes acceptance.

17. SMS Messaging & Communications

Paier operates an SMS notification program (the “Paier Notifications” program) to deliver account-related text messages to users who have provided their phone number and opted in. The following terms apply specifically to SMS communications.

Program Name

Paier Notifications

Description of Messages

Messages sent under this program include, but are not limited to: two-factor authentication (2FA) verification codes, account sign-in codes, peer-to-peer payment confirmations, payment requests, payment-received notifications, daily pay deposit alerts, bill payment reminders, and invitations from other Paier users to join the platform. Messages may contain URLs that link to the Paier application or payment claim pages. Paier does not send marketing or promotional SMS through this program.

How to Opt In

You opt in to receive SMS messages from Paier in one of two ways:

1. By entering your phone number in our signup, login, or account verification forms on paier-ai.com or in the Paier mobile application and tapping “Send Code” (or a similar action button) to receive a verification SMS. This action constitutes explicit consent to receive SMS from Paier for authentication and account-related notifications.
2. When another Paier user sends you a peer-to-peer payment, payment request, or invitation using your phone number, the sender has authorized that initial contact and Paier sends a single transactional SMS with a claim or join link.

Paier does not purchase, rent, or obtain phone numbers from third parties. All numbers are collected directly from the user or shared to them by another user of the Service.

Message Frequency

Message frequency varies based on your account activity. You should expect to receive approximately one (1) SMS per authentication event (signup, sign-in, or account verification) and one (1) SMS per transactional event (payment sent/received, daily pay deposit, or bill reminder). Most active users receive fewer than ten (10) messages per month.

Message and Data Rates

Message and data rates may apply, as charged by your mobile carrier. Paier does not charge you for SMS messages, but your carrier's standard SMS and data rates apply to all messages sent and received. Contact your mobile carrier if you have questions about your plan.

How to Opt Out — Reply STOP

You can opt out of the Paier Notifications SMS program at any time by replying STOP to any SMS message received from Paier. After you send STOP, you will receive a single confirmation message and will not receive further SMS from this program. To resume receiving messages, reply START or UNSTOP.

Help — Reply HELP

For help or questions about the SMS program, reply HELP to any Paier SMS to receive a response with support contact information, or contact our support team directly at support@paier-ai.com.

Supported Carriers

The Paier Notifications program is available on all major US carriers including, but not limited to, AT&T, Verizon, T-Mobile, US Cellular, Sprint, Boost Mobile, Cricket Wireless, MetroPCS, and Virgin Mobile. Carriers are not liable for delayed or undelivered messages.

Support Contact

For any questions or concerns regarding the Paier Notifications SMS program, contact support@paier-ai.com or visit paier-ai.com.

Privacy

Paier does not share your mobile phone number or SMS-related data with third parties for marketing purposes. For full details on how we collect and use your information, see our Privacy Policy.

18. Governing Law

These Terms shall be governed by the laws of the State of New York, without regard to conflict of law principles. Any disputes shall be resolved in the courts of New York County, New York.

19. Dispute Resolution

Before filing any claim, you agree to attempt to resolve the dispute informally by contacting us at legal@paier-ai.com. We will attempt to resolve the dispute within 30 days.

20. Severability

If any provision of these Terms is found unenforceable, the remaining provisions will continue in effect.

21. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Paier regarding the Service.

22. Contact Us

For questions about these Terms, please contact us:

• Email: legal@paier-ai.com
• Address: Paier, Inc., New York, NY