Terms of Service for ZentraSnap
1. Introduction and Acceptance
These Terms of Service (“Terms”) govern your access to and use of the ZentraSnap website, application and related services (“ZentraSnap”, the “Service”, “we”, “us” or “our”), operated by Cristin Griu, trading as ZentraSnap, in Ireland.
By creating an account, purchasing a subscription, accessing the Service or otherwise using ZentraSnap, you agree to be bound by these Terms, our Privacy Policy and, where applicable, our Data Processing Agreement.
If you do not agree to these Terms, you must not use the Service.
2. Business-to-Business Service
ZentraSnap is designed primarily for commercial and professional use by accountants, bookkeepers, accounting firms, financial professionals and other business users.
The Service is not designed primarily as a consumer service.
If you nevertheless qualify as a consumer under applicable law, nothing in these Terms excludes or limits any statutory rights that cannot lawfully be excluded or restricted.
3. Description of the Service and Processing Architecture
ZentraSnap provides software for extracting structured financial information from documents including bank statements, invoices and receipts and presenting that information in formats such as tables and spreadsheet files. Different document types may use different processing systems.
Bank Statements
Bank statements submitted to ZentraSnap are temporarily uploaded to private object storage provided by Cloudflare R2. Where a supported image file is submitted as a bank statement, ZentraSnap may first convert the image into PDF format locally within the user's browser before uploading it.
Bank statements are processed using cloud computing infrastructure supplied by Modal Labs. Processing may include native PDF text extraction and ZentraSnap's own machine-learning document extraction models.
Where OCR is required, including for scanned documents, photographs, image-based PDFs, documents without usable native text, or documents for which the initial extraction does not identify transaction data, ZentraSnap may transmit the relevant document or page to Microsoft Azure AI Document Intelligence for optical character recognition.
Azure may return recognised text, confidence information and document-position information to ZentraSnap, which is then processed using ZentraSnap's extraction models.
Microsoft Azure temporarily stores submitted OCR input and analysis results as part of providing Document Intelligence. Microsoft states that this data is stored in Azure Storage in the same processing region and is automatically deleted following its temporary retention period of up to 24 hours. ZentraSnap's processing system may also request earlier deletion after the required analysis result has been retrieved.
Extracted transaction information and temporary job information may be stored in Cloudflare R2 while the processing job is completed and the results are delivered to you.
ZentraSnap's processing system is configured to delete the original uploaded bank-statement file from its temporary Cloudflare R2 storage after processing completes or fails. As an additional safeguard, temporary bank-statement files, extraction results and related job data stored in Cloudflare R2 are subject to an automated lifecycle rule configured to expire them after one day.
Cloudflare states that R2 objects are encrypted at rest and transfers are protected using TLS. Modal provides cloud execution infrastructure used by ZentraSnap for bank-statement processing and maintains its own security, privacy and data-retention practices.
Invoices and Receipts
Invoices and receipts submitted to ZentraSnap are processed using the paid Google Gemini API to identify and return structured information such as supplier information, dates, invoice numbers, totals, tax values and line items.
Under Google's current terms for paid Gemini API services, Google does not use customer prompts, uploaded files or responses to improve its products by default.
Google may process and retain certain information for security, abuse prevention, operational logging or legal-compliance purposes in accordance with its applicable policies and the configuration of the relevant project.
Changes to Processing Technology
ZentraSnap may replace, upgrade or modify models, OCR engines, cloud providers or other technical components from time to time in order to improve accuracy, performance, security or reliability.
Where such a change materially affects the processing of personal data, our Privacy Policy, Data Processing Agreement or subprocessor information will be updated as appropriate.
4. Customer Documents and Data
You retain all rights that you or your clients have in documents, financial information and other data submitted to the Service (“Customer Data”).
You grant ZentraSnap only the limited rights necessary to receive, temporarily store, transmit, process and return Customer Data for the purpose of operating the Service and fulfilling your requested extraction task.
ZentraSnap will not use customer-uploaded financial documents to train its own machine-learning models unless you have separately and expressly agreed to such use.
Nothing in these Terms transfers ownership of your Customer Data to ZentraSnap.
5. User Responsibilities
By using ZentraSnap, you agree to use the Service only for lawful business or professional purposes.
You are responsible for ensuring that you have the necessary legal authority and appropriate lawful basis to upload and process any personal, financial or confidential information submitted through your account. Where you process information relating to clients or other third parties, you are responsible for providing any notices and obtaining any permissions that are required under applicable law.
You are also responsible for maintaining the security of your device, network, browser and account credentials and for promptly notifying ZentraSnap if you become aware of unauthorised access to your account.
You must not use ZentraSnap to violate applicable privacy, data-protection or other laws; interfere with or disrupt the Service; attempt to gain unauthorised access to ZentraSnap or its infrastructure; circumvent subscription, credit, usage, security, rate-limit or access controls; introduce malicious software; or use the Service for fraudulent or unlawful purposes.
ZentraSnap may impose reasonable technical, usage, file-size, page-count, rate or processing limits where necessary to maintain security, availability, fair use or service performance.
6. Intellectual Property
Except for Customer Data and third-party materials, all rights, title and interest in ZentraSnap, including its software, user interface, branding, source code, extraction systems, processing logic and other proprietary technology, belong to ZentraSnap or its licensors.
Subject to these Terms and payment of any applicable fees, ZentraSnap grants you a limited, non-exclusive, non-transferable and revocable right to use the Service for your internal business or professional purposes.
You may not copy, reproduce, resell, sublicense or redistribute the Service as your own product; attempt to obtain ZentraSnap's proprietary source code or non-public extraction logic; circumvent technical restrictions; or use the Service or its proprietary technology to create an unauthorised copy of ZentraSnap.
Nothing in this section prohibits conduct that applicable law expressly permits and which cannot lawfully be restricted by contract.
7. No Financial, Accounting, Tax or Professional Advice
ZentraSnap is a document-processing and data-extraction tool. ZentraSnap does not provide accounting, auditing, tax, financial, investment, legal or other professional advice.
You remain solely responsible for any accounting records, tax returns, financial statements, client work or professional decisions made using information extracted by the Service.
8. Verification of Output and Accuracy
All extracted information must be independently reviewed and verified against the original source document before being relied upon.
ZentraSnap uses technologies including OCR, machine-learning document extraction and, for certain document types, generative artificial intelligence. These systems may produce incorrect, incomplete, duplicated, omitted or misclassified information. Errors may result from factors including document quality, unusual formatting, unsupported languages, bank-layout changes, image quality, OCR errors, model limitations or errors produced by third-party AI services.
Features such as balance checks, audit indicators, document highlighting and other validation tools are provided to assist review but do not guarantee that extraction results are correct. ZentraSnap does not guarantee that extracted data, spreadsheet exports or other outputs will be 100% accurate, complete or error-free.
You are responsible for verifying all outputs before using them for bookkeeping, accounting, taxation, reporting, filing, compliance or any other professional purpose.
Reliance on unverified extracted information is at your own risk.
9. Accounts and Access
You may be required to maintain an authenticated ZentraSnap account in order to use some or all features. You are responsible for activity carried out through your account and must take reasonable steps to protect your login credentials.
Authentication services may be provided through Clerk and supported third-party identity providers.
We may suspend access where we reasonably believe an account has been compromised, is being used unlawfully or presents a security risk.
10. Payments, Subscriptions and Credits
Certain ZentraSnap functionality requires a paid subscription. Subscriptions are managed using Clerk Billing, with payment processing performed through Stripe. Clerk currently uses Stripe for payment processing and is not itself the merchant of record. By purchasing a recurring subscription, you authorise the applicable payment provider to charge your selected payment method for the subscription fees shown at checkout.
Credit Allowance and Usage
Where a subscription plan includes a monthly credit allowance, the current ZentraSnap Standard plan includes 3,000 credits for each monthly credit period. A monthly credit period may operate within a longer annual subscription, so the timing of credit refreshes may differ from the frequency with which subscription fees are charged.
Promotional, trial or other plans may include a different credit allowance. Where a different allowance is displayed in the Service or at checkout for your plan, that displayed allowance will apply.
Credits are consumed according to the type of processing performed. Unless the Service states otherwise, the current usage rates are:
- Native bank-statement page: 1 credit per page.
- Bank-statement page requiring OCR: 2 credits per page in total.
- Invoice: 5 credits per uploaded invoice file.
- Receipt: 5 credits per uploaded receipt file.
For bank-statement processing, ZentraSnap may temporarily reserve up to 2 credits per submitted page before processing begins so that sufficient credits are available for the maximum applicable page cost. This reservation is not necessarily the final charge. After successful processing, the final charge is calculated from the actual processing performed and any unused portion of the reservation is released.
If processing fails before a charge is successfully completed, ZentraSnap will generally release the associated credit reservation. Where a processing task has completed successfully, leaving the page, closing the browser or refreshing the Service does not cancel the completed usage or reverse credits properly charged for that processing.
Unused credits do not roll over into a new monthly credit period unless ZentraSnap expressly states otherwise. Credits have no cash value, are not a stored-value product or currency, cannot be transferred between accounts and are not separately redeemable or refundable for cash.
If your available credit balance is insufficient for a requested task, ZentraSnap may prevent that task from starting until sufficient credits become available through a new credit period, an applicable plan change or another credit allocation made available by ZentraSnap.
Automatic Renewal: Unless stated otherwise, paid subscriptions automatically renew at the end of the applicable monthly or annual billing period until cancelled.
Cancellation: You may cancel your subscription through the available account or billing controls. Unless otherwise stated, cancellation takes effect at the end of the current paid billing period and you may continue to use the applicable paid functionality until that period ends.
Refunds: Payments for business subscriptions are generally non-refundable once charged, except where a refund is required by applicable law or is expressly provided by ZentraSnap. Unused credits are not separately refundable. Nothing in these Terms limits any refund or cancellation right that cannot legally be excluded.
Pricing and Credit Changes: We may change subscription prices, future credit allowances or future credit-consumption rates from time to time. Changes affecting an existing recurring subscription will be communicated where required and will normally apply prospectively rather than retroactively to processing already completed. Unless expressly stated otherwise, fees may be exclusive of applicable taxes, VAT, duties or similar charges. You are responsible for taxes applicable to your purchase except where ZentraSnap or a payment provider is legally required to collect and remit them.
11. Third-Party Services
ZentraSnap relies on third-party infrastructure and service providers in order to operate. These may include:
- Clerk: Authentication, account management and subscription functionality.
- Stripe: Payment processing.
- Vercel: Website hosting and server-side application infrastructure.
- Cloudflare R2 and D1: Temporary private storage used in bank-statement processing and limited service-usage and credit-accounting records.
- Modal Labs: Cloud computing/GPU infrastructure used for bank-statement extraction and OCR.
- Microsoft Azure AI Document Intelligence: OCR Processing
- Google Gemini API / Google AI Studio: Invoice and receipt extraction and related API processing.
- Upstash: Rate limiting
Modal's DPA provides for processing of customer personal data for the purpose of delivering its service and includes provisions concerning international transfers and subprocessors.
ZentraSnap does not control the continuous availability of third-party infrastructure. Temporary outages, service changes, provider failures, network interruptions or other events affecting these providers may affect ZentraSnap. To the extent permitted by law, ZentraSnap is not responsible for failures caused solely by third-party infrastructure outside our reasonable control.
This section does not remove ZentraSnap's responsibilities under applicable data-protection law where ZentraSnap is responsible for selecting or using a processor or subprocessor.
12. Privacy and Data Protection
Our processing of personal data is described in our Privacy Policy. Where ZentraSnap processes Client Financial Data on your behalf as a processor or subprocessor, that processing is also governed by our Data Processing Agreement.
You acknowledge that documents submitted to ZentraSnap may contain personal data and that the Service necessarily processes such information in order to perform the requested extraction.
13. Availability and Changes to the Service
We aim to provide a reliable Service but do not guarantee uninterrupted or continuous availability.
We may modify, update, replace, suspend or discontinue features where reasonably necessary for security, maintenance, legal compliance, technical improvements or changes to third-party services. We may perform scheduled or emergency maintenance without guaranteeing uninterrupted availability during such periods.
Where a material change substantially affects a paid service, we will take reasonable steps to communicate the change where appropriate.
14. Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ZENTRASNAP IS PROVIDED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. WE DO NOT WARRANT THAT THE SERVICE WILL ALWAYS BE AVAILABLE, UNINTERRUPTED, COMPLETELY SECURE OR ERROR-FREE OR THAT EXTRACTED INFORMATION WILL ALWAYS BE ACCURATE OR COMPLETE. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM WARRANTIES THAT MAY OTHERWISE BE IMPLIED BY LAW, INCLUDING WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, EXCEPT WHERE SUCH WARRANTIES CANNOT LEGALLY BE EXCLUDED.
15. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ZENTRASNAP WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR PUNITIVE LOSS ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE. THIS INCLUDES, WHERE LEGALLY PERMITTED, LOSS OF PROFIT, LOSS OF BUSINESS, LOSS OF OPPORTUNITY, LOSS ARISING FROM INACCURATE EXTRACTED INFORMATION, TAX PENALTIES, PROFESSIONAL FEES INCURRED AS A RESULT OF UNVERIFIED OUTPUTS OR LOSS OF DATA.
TO THE FULLEST EXTENT PERMITTED BY LAW, ZENTRASNAP'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR IN CONNECTION WITH THE SERVICE OR THESE TERMS WILL NOT EXCEED THE TOTAL SUBSCRIPTION FEES ACTUALLY PAID BY YOU TO ZENTRASNAP DURING THE 12 MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
NOTHING IN THESE TERMS EXCLUDES OR LIMITS LIABILITY FOR FRAUD OR FRAUDULENT MISREPRESENTATION, DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE WHERE SUCH LIABILITY CANNOT LEGALLY BE EXCLUDED, OR ANY OTHER LIABILITY THAT APPLICABLE LAW DOES NOT PERMIT US TO EXCLUDE OR LIMIT.
16. Indemnity
To the extent permitted by law, you agree to indemnify and hold ZentraSnap harmless against third-party claims, losses, liabilities and reasonable costs arising directly from your unlawful use of the Service, your lack of authority to process Customer Data submitted through ZentraSnap, or your material breach of these Terms.
This section does not apply to the extent that a claim results from ZentraSnap's own breach of applicable law, these Terms or the Data Processing Agreement.
17. Suspension and Termination
You may stop using ZentraSnap at any time and may cancel your subscription as described above.
We may suspend or restrict your access where reasonably necessary because of non-payment, security threats, suspected fraud, unlawful activity, abuse of the Service, attempts to circumvent technical restrictions or a material breach of these Terms. We may terminate an account for a material breach that is not remedied where remediation is reasonably possible. Immediate suspension or termination may occur where necessary to protect ZentraSnap, its customers, third parties or infrastructure from significant security, legal or operational risk.
Termination does not remove rights or obligations that arose before termination. Sections that by their nature are intended to survive termination, including intellectual-property provisions, payment obligations, disclaimers, limitations of liability and data-protection obligations, will continue to apply as appropriate.
18. Data Processing Agreement
For the purposes of data-protection law, the customer or the organisation on whose behalf the customer uses ZentraSnap will generally act as the Data Controller, or in some circumstances as another Data Processor, in relation to Client Financial Data. ZentraSnap acts as a Data Processor or subprocessor when processing such information on the customer's behalf.
ZentraSnap may use subprocessors including Cloudflare, Modal and Google to provide the relevant document-processing functionality. The processing of Client Financial Data is governed by our Data Processing Agreement, which is incorporated into these Terms by reference.
The DPA is available at: /dpa
If there is a conflict between these Terms and the DPA concerning the processing of personal data on your behalf, the DPA will prevail to the extent of that conflict.
19. Changes to These Terms
We may amend these Terms from time to time to reflect changes in the Service, technology, pricing, applicable law or our business practices. When we make a material change, we will update the effective date and take reasonable steps to provide notice where required.
Changes will not retroactively alter fees already paid or liabilities that arose before the updated Terms became effective unless required by law. Your continued use of ZentraSnap after updated Terms become effective constitutes acceptance of the revised Terms where legally permitted.
20. Governing Law and Jurisdiction
These Terms and any dispute arising from them are governed by the laws of Ireland. Subject to any mandatory legal rights that apply, the courts of Ireland will have jurisdiction over disputes relating to these Terms or the Service.
21. Force Majeure
ZentraSnap will not be liable for delay or failure to perform an obligation caused by circumstances outside our reasonable control. Such circumstances may include major internet or cloud-service outages, natural disasters, power failures, labour disputes, government action, cyberattacks, telecommunications failures or failures of third-party infrastructure.
This provision does not excuse payment obligations that became due before the relevant event.
22. Entire Agreement and Severability
These Terms, together with the Privacy Policy, Data Processing Agreement and any other terms expressly incorporated by reference, form the agreement governing your use of ZentraSnap.
If a provision of these Terms is found unenforceable or invalid, the remaining provisions will continue in effect to the extent permitted by law.
A failure by ZentraSnap to enforce a provision immediately does not waive our right to enforce it later.
23. Contact
If you have questions about these Terms, please contact: