← Back to invisiple.com

Terms of Service

Simple Labs Inc. · Effective & last updated August 24, 2026 · legal@invisiple.com

Effective Date: August 24, 2026

Last Updated: August 24, 2026

Contact: legal@invisiple.com

1. AGREEMENT TO TERMS

By creating an Invisiple account or using any Invisiple service, you agree to these Terms of Service ("Terms"). If you do not agree, do not use Invisiple.

These Terms form a legally binding agreement between you and Simple Labs Inc. ("we," "us," "our"), a company incorporated in the Province of Ontario, Canada, operating Invisiple.

If you receive an invoice, quote, or other document from an Invisiple account holder (for example, by clicking a link in an email), see Section 2.3. These Terms govern the Invisiple account holder who sent it to you, not you as a recipient.

2. DESCRIPTION OF SERVICE

2.1 Overview

Invisiple is a financial management platform that helps small and medium-sized businesses:

Invisiple is a financial management tool, not a financial advisor, tax advisor, or accounting service. Nothing in Invisiple constitutes professional financial, tax, legal, or accounting advice.

2.2 Tax Suggestions and Forecasting Are Not Professional Advice

Invisiple may surface tax-related suggestions, alerts, or triggers, and may generate financial forecasts or projections, including cash flow, debt payoff, and burn-rate projections, based on your data. These features are provided as informational tools only and do not constitute professional tax, legal, financial, or accounting advice.

Forecasts and projections are not guarantees or absolute predictions. They are derived from mathematical models and equations applied to the data available to us at the time. Real-world outcomes depend on external factors (market conditions, regulatory changes, your own future decisions, and events outside our knowledge or control) that these models cannot account for and that can cause actual results to differ, sometimes significantly, from any forecast.

Tax suggestions and triggers are based on general patterns in your data and applicable rules as we understand them; they are not a substitute for advice from a qualified accountant or tax professional who can assess your specific situation. You should consult a qualified professional before making any tax, financial, or business decision based on information from Invisiple, and you remain solely responsible for the accuracy of your tax filings and financial decisions.

2.3 Sending Invoices, Quotes, and Documents to Your Clients

Invisiple lets you email invoices, quotes, and other documents to people you do business with, using a secure one-time tracked link. When you do this:

2.4 "Marked as Paid" by a Client Is Not Proof of Payment

If a client marks an invoice as paid through the tracked link page, that is a provisional claim from them, shown to you as a badge. It is not a payment record and does not mark the invoice paid in your books. Only a matched bank transaction (where connected) or your own manual confirmation marks an invoice paid.

2.5 AI-Generated Content

Invisiple uses artificial intelligence to generate content on your behalf, including receipt data extraction, expense categorization, tax suggestions and triggers, financial forecasts and projections, and weekly financial reports. This content is AI-generated, with human editing and input where a person (you, or your accountant) reviews, edits, or approves it before it is sent or relied upon.

Where a report or document is reviewed and edited by an accountant before delivery, applicable disclosure requirements are met through the report's own AI-disclosure notice, which reflects whether the content was reviewed. You remain responsible for reviewing AI-generated content for accuracy before relying on it or sending it to a third party, consistent with Section 2.2 and Section 6.4.

2.6 Management Ledger

Management Ledger is a management reporting view available on eligible plans. It exists so that a business handling cash can see where its cash actually stands today, without waiting for a bank deposit to appear, and make day-to-day decisions on a current number rather than a stale one.

It is one view over one set of books. Management Ledger does not create a separate or parallel set of records. Your business has a single ledger in Invisiple, and Management Ledger is a way of looking at part of it and adding to it. Everything you record through it is subject to the same terms as anything else you record in Invisiple.

Cash sales and cash expenses are posted to your books. When you record a cash sale or a cash expense in Management Ledger, whether as an individual transaction or as an end-of-day total, it is written to your official ledger and it counts toward your profit and loss and your annual summary in exactly the same way as any other income or expense. This is not optional and there is no setting that changes it. Invisiple provides no mechanism for recording income anywhere other than your books.

Cash-on-hand counts are an operations figure, not an income record. Management Ledger also lets you record how much cash is physically in your till or safe at a point in time. That entry is a count, not a transaction. It does not add income or expenses to your books, because it is not a sale and does not represent one. A cash-on-hand count is not a substitute for recording a sale: if money in your till came from sales, those sales must be recorded as cash sales, which post to your books as described above. Recording your sales accurately remains your responsibility under Section 6.4 and Section 5.2.

Corrections stay on the record. Management Ledger has no delete and no in-place edit. If an entry is wrong, you correct it by reversing it, giving a reason, and entering the right figure. Both the reversed entry and its replacement remain visible in your ledger and in your records permanently, and where the entry had been posted to your official books, the correction is applied there too. This is deliberate. The feature is able to correct what was recorded and is not able to remove it.

You remain responsible for what you record. As set out in Section 6.4, the accuracy and completeness of your financial records is yours. Management Ledger is a recording and reporting tool. Using it does not change any obligation you have to report income, to keep records, or to file accurately, and figures shown in it are not professional accounting or tax advice (see Section 2.2). If you or your accountant reconcile a physical cash count against the running figure Invisiple shows, any difference between them is information for you to investigate, not a determination by us.

Availability. Management Ledger is included on certain plans only, listed at invisiple.com/pricing. If your plan changes so that it is no longer included, your existing Management Ledger records are not deleted: they remain visible to you in read-only form, and the underlying records in your own Google Drive remain yours and under your control, as set out in Section 6.1 and our Privacy Policy.

3. ELIGIBILITY

To use Invisiple you must:

4. ACCOUNT REGISTRATION

4.1 Accurate Information

You agree to provide accurate, current, and complete information when creating your account and to update it as needed.

4.2 Account Security

You are responsible for:

4.3 One Account Per Business, Linked Accounts for Multiple Businesses

Each business entity has its own Invisiple account and its own segregated financial data. If you operate more than one business, you can link additional business accounts to your login and switch between them. Linking requires you to verify the password of the account being linked (we never link accounts by matching email addresses alone). Linking does not merge or share financial data between businesses; each remains a separate, independently accessible record.

5. ACCEPTABLE USE

5.1 Permitted Use

You may use Invisiple to manage legitimate business financial records for lawful purposes, including invoicing and quoting your own clients.

5.2 Prohibited Use

You may not use Invisiple to:

We reserve the right to suspend or terminate any account we believe is being used in violation of these Terms.

6. YOUR DATA

6.1 You Own Your Data

Your financial records are yours. Invisiple does not claim ownership of any financial data you input into the platform.

6.2 License to Operate the Service

By using Invisiple, you grant Simple Labs Inc. a limited, non-exclusive license to process your data as necessary to provide the service, including OCR processing of receipt images, generation of anonymized signals for intelligence features, and delivering documents you send to your clients. This license ends when you delete your account.

6.3 Anonymized Signals

As described in our Privacy Policy, we generate anonymized, non-reversible signals from your financial activity to power intelligence features. These signals do not contain your raw financial data. You consent to the generation and use of these signals by using the service.

6.4 Data Accuracy

You are responsible for the accuracy of the financial records you submit, and of any client contact information, invoice, or quote you send through the service. Invisiple's OCR and categorization features are provided as assistance tools. Always review categorizations for tax compliance purposes. We are not liable for errors in automatically extracted or categorized data.

6.5 Sharing With Your Accountant

If an accounting firm using Invisiple invites you as a client, or you connect your own accountant through the app, your financial records will only be shared with that accountant after you give explicit consent, as described in our Privacy Policy. Once shared, that data becomes subject to your accountant's own handling of it, outside our control. You may withdraw consent at any time, which stops future sharing but does not affect records your accountant already received.

If you are an accountant using the Accountant Portal, your clients' data is made available to you only after each client has separately given explicit consent, and is subject to your own professional obligations to those clients, outside our control.

6.6 Client Contact Information

Contact details you add for a client (name and email address) are used only to deliver invoices, quotes, and related documents to that client and to show you delivery status. This information is stored under your own account and is not shared with, or visible to, any other Invisiple account holder.

6.7 Importing a Document Sent to You

If someone sends you an Invisiple invoice and you choose to sign into your own Invisiple account to import it, that document is filed as an expense record in your account. This transfers data between two independent Invisiple accounts at your request; we verify you're importing into an account you actually own, but we do not verify the accuracy of what the other party sent. You are responsible for reviewing anything you import this way before relying on it.

6.8 Records Created Through Management Ledger

Entries you make through Management Ledger, including cash sales, cash expenses, cash-on-hand counts, and corrections, are your financial records under Section 6.1. Their amounts and descriptions are stored in your own Google Drive alongside the rest of your records, together with a readable cash log spreadsheet you can open directly at any time. Reversed entries and their reasons are retained as part of the audit record and are not removed when an entry is corrected.

7. SUBSCRIPTION AND PAYMENT

7.1 Plans

Invisiple is offered on several subscription tiers. Current pricing is available at invisiple.com/pricing. We reserve the right to change pricing with 30 days notice to existing subscribers.

7.2 Billing

Subscriptions are billed monthly or annually in advance. All prices are in Canadian dollars unless otherwise stated. Applicable taxes will be added at checkout.

7.3 Cancellation

You may cancel your subscription at any time. Cancellation takes effect at the end of your current billing period. We do not provide refunds for partial billing periods except where required by applicable law.

7.4 Free Tier

The free tier is provided as-is with no service level guarantees. We reserve the right to modify or discontinue the free tier with 30 days notice.

7.5 Accountant-Sponsored Plans

Where an accounting firm sponsors a client's account under a Managed or Managed Plus plan, billing runs through the accountant's own subscription with Invisiple, not the client's. If that sponsorship ends, the client's account either reverts to a self-serve plan or is subject to cancellation, as described at the time of hand-off.

8. INTELLECTUAL PROPERTY

8.1 Our Property

Invisiple, its features, design, code, trademarks, and content are owned by Simple Labs Inc. or licensed to us. Nothing in these Terms grants you any right to use our intellectual property except as necessary to use the service.

8.2 Feedback

If you provide feedback or suggestions about Invisiple, you grant us a perpetual, royalty-free right to use that feedback to improve the service without any obligation to you.

9. THIRD-PARTY SERVICES

Invisiple integrates with third-party services including Google Drive, WhatsApp, email delivery providers, and financial data providers, to store your records, send messages, and deliver documents on your behalf. Your use of these services is subject to their own terms and privacy policies. We are not responsible for the practices of third-party services.

10. DISCLAIMER OF WARRANTIES

INVISIPLE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

WE DO NOT WARRANT THAT:

USE OF INVISIPLE FOR TAX COMPLIANCE PURPOSES DOES NOT SUBSTITUTE FOR PROFESSIONAL ACCOUNTING ADVICE. CONSULT A QUALIFIED ACCOUNTANT FOR TAX FILING AND COMPLIANCE DECISIONS.

11. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SIMPLE LABS INC. SHALL NOT BE LIABLE FOR:

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM THESE TERMS OR YOUR USE OF INVISIPLE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM.

12. INDEMNIFICATION

You agree to indemnify and hold harmless Simple Labs Inc. and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from:

13. TERMINATION

13.1 By You

You may cancel your account at any time through the app settings or by contacting support@invisiple.com.

13.2 By Us

We may suspend or terminate your account immediately if:

We will provide notice where reasonably possible, except where immediate termination is required for security or legal reasons.

13.3 Effect of Termination

Upon termination, your access to Invisiple ends. Your encrypted backup in Google Drive remains in your Drive. Your anonymized signals on our servers are deleted within 30 days. Tracked delivery links you sent stop working; documents already downloaded by a recipient remain with them.

14. GOVERNING LAW AND DISPUTES

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Any dispute arising from these Terms or your use of Invisiple that cannot be resolved informally shall be submitted to binding arbitration in Toronto, Ontario under the rules of the ADR Institute of Canada. Class action arbitration is waived. Disputes must be brought individually.

Nothing in this section prevents either party from seeking emergency injunctive relief from a court of competent jurisdiction.

15. CHANGES TO TERMS

We may update these Terms as our service evolves or as required by law. We will notify you of material changes via email or in-app notification at least 30 days before they take effect. Continued use of Invisiple after the effective date constitutes acceptance of the updated Terms.

16. GENERAL

Entire agreement: These Terms and our Privacy Policy constitute the entire agreement between you and Simple Labs Inc. regarding Invisiple.

Severability: If any provision of these Terms is found unenforceable, the remaining provisions remain in full effect.

No waiver: Our failure to enforce any right or provision does not constitute a waiver of that right.

Assignment: You may not assign your rights under these Terms without our written consent. We may assign our rights in connection with a merger or acquisition.

17. CONTACT

Legal inquiries: legal@invisiple.com

Privacy inquiries: privacy@invisiple.com

General support: support@invisiple.com

Company: Simple Labs Inc., Canada

Version 3, published August 24, 2026.