Terms of Service

Payable by Cephgate  ·  Effective Date: April 3, 2026  ·  Last Updated: April 9, 2026

1. Agreement and Acceptance

These Terms of Service ("Terms") govern your use of Payable, a Gmail add-on for accounts payable automation ("Service"), provided by Cephgate LLC ("Company," "we," "us," or "our"). By installing, accessing, or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

2. Description of Service

Payable is a Gmail add-on that uses artificial intelligence to analyze invoice and receipt emails, extract financial data, and create bills and expenses in your connected QuickBooks Online account. The Service includes:

• AI-powered invoice and receipt analysis (PDF, image, and DOCX formats)
• Automated vendor matching and creation in QuickBooks
• Bill and expense record creation with document attachment
• Purchase order matching and variance detection
• Configurable approval thresholds and payment routing

3. Eligibility and Account Requirements

To use Payable, you must:

• Have a valid Google account with Gmail enabled
• Have an active QuickBooks Online subscription
• Be 18 years of age or older
• Have authority to bind your organization to these Terms if using on behalf of a business

4. User Responsibilities

You are responsible for:

• Accuracy — verifying that AI-extracted data (amounts, vendor names, invoice numbers, categories) is correct before saving to QuickBooks. The Service provides a best-effort extraction; you should review all records before approval.
• Authorization — ensuring you have authorization to process and record the invoices and expenses you submit through the Service.
• Account security — maintaining the security of your Google and QuickBooks credentials. You are responsible for all activity under your account.
• Compliance — ensuring your use of the Service complies with applicable accounting standards, tax regulations, and company policies.
• QuickBooks data — any records created in QuickBooks through the Service are your responsibility to review, approve, and maintain.

5. Acceptable Use

You agree not to:

• Use the Service to process fraudulent, falsified, or unauthorized invoices
• Attempt to reverse engineer, decompile, or extract source code from the Service
• Use the Service in any way that violates applicable laws or regulations
• Share access credentials with unauthorized parties
• Resell, sublicense, or commercialize the Service without written permission from Cephgate
• Use the Service to process invoices for businesses other than your own without authorization

6. AI-Generated Content Disclaimer

7. QuickBooks Integration

The Service integrates with Intuit QuickBooks Online via the Intuit Developer API. Your use of QuickBooks is separately governed by Intuit's Terms of Service. Cephgate LLC is an independent third-party application and is not affiliated with, endorsed by, or sponsored by Intuit Inc. "QuickBooks" is a registered trademark of Intuit Inc.

You authorize Cephgate LLC to access and modify your QuickBooks data (vendors, bills, expenses, attachments) on your behalf as necessary to provide the Service. You may revoke this authorization at any time by disconnecting QuickBooks from Payable Settings.

8. Subscription and Pricing

Payable is offered as a subscription service with the following tiers:

• Free — 5 saves per month, no credit card required
• Pro — $12/month, 30 saves per month
• Business — $39/month, 250 saves per month, up to 5 users
• Enterprise — custom pricing, unlimited saves

All fees are non-refundable except as required by law. We reserve the right to change pricing with 30 days' notice to existing subscribers.

9. Data and Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the data practices described in our Privacy Policy.

10. Intellectual Property

The Service, including all software, AI models, interfaces, and documentation, is owned by Cephgate LLC and protected by copyright, trademark, and other intellectual property laws. These Terms do not grant you any ownership rights in the Service. You retain ownership of all data you input into the Service, including your invoices, vendor information, and QuickBooks data.

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT AI EXTRACTIONS WILL BE ACCURATE OR COMPLETE.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CEPHGATE LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR BUSINESS, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS UNDER THESE TERMS SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

13. Indemnification

You agree to indemnify, defend, and hold harmless Cephgate LLC and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of the Service, your violation of these Terms, or your violation of any third-party rights.

14. Termination

Either party may terminate these Terms at any time. You may terminate by uninstalling Payable and disconnecting your QuickBooks account. We may suspend or terminate your access to the Service if you violate these Terms, fail to pay applicable fees, or if we discontinue the Service. Upon termination, your access to the Service ends immediately; however, any records already created in QuickBooks will remain there.

15. Modifications to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by updating the "Last Updated" date and, where appropriate, notifying you by email. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

16. Governing Law and Disputes

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, rather than in court. You waive any right to a jury trial or to participate in a class action lawsuit or class-wide arbitration. Either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm pending arbitration.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Cephgate LLC regarding the Service and supersede all prior agreements, representations, and understandings.

18. Contact