Terms of Service - Lucra.tax
General Terms
Current as of October 16, 2025
Introductory and Overview
These Terms of Service ("Agreement") are a legal agreement between you and Lucra Tax Inc. ("Lucra.tax"). We provide the Lucra.tax platform (the "Platform") that includes (1) a variety of Services, including app.Lucra.tax and mcp.Lucra.tax (each, individually, a “Service”); and (2) installable software (including desktop and mobile applications), including any accompanying documentation and updates to such software or documentation (collectively, "Software"). Lucra.tax, along with any parent, subsidiary, affiliate, or related companies are referred to in these provisions as "Lucra.tax", "we", "us", or "our."
By clicking "I Agree," indicating acceptance electronically, or by installing, accessing or using the Platform, you agree to this Agreement. If you do not agree to this Agreement, then you are not permitted to use the Platform.
If this Agreement is being entered into by a company or another legal entity, you represent that you have the authority to enter this Agreement to bind such entity and its affiliates to these terms and conditions as its authorized representative, in which case the terms "you" or "your" will refer to such entity and its affiliates as well as you. If the legal entity that you represent does not agree with these terms and conditions, you must not accept this Agreement, register nor use or access the Platform as an authorized representative.
1. AGREEMENT TO THESE TERMS
To access or use the Platform, you acknowledge and agree:
2. YOUR PERSONAL INFORMATION
You can view the Privacy Policy provided with the Platform and on the website for the Platform. Lucra.tax may, as part of the Platform, use, maintain, transfer or otherwise process your personal information in accordance with the Privacy Policy, and with applicable law, including the Personal Information Protection and Electronic Documents Act (PIPEDA) or applicable Provincial Data Protection statutes/regulations. We may use your personal information to improve the Platform, market our Platform, and to develop new products or Services. We may access or store personal information in multiple countries, including countries outside of your own country to the extent permitted by applicable law.
To the extent we allow you to input personal information (as the term is defined under applicable law) about individuals other than yourself, you represent and warrant that you have complied with all applicable laws and received the proper authority or consent to allow us to collect and process such information to operate our business; to use or disclose the data in accordance with the Privacy Policy; to move the data outside of the country of residence of the owner of the personal data, if applicable; to provide the data to Third Party Products (defined below) that you approve; and to otherwise use and disclose the data in accordance with this Agreement. You acknowledge and agree that Lucra.tax may provide data in your account to any Additional Users (defined below) to which that data is applicable.
3. CHANGES TO THE AGREEMENT
We reserve the right to modify this Agreement in whole or any part, in our sole discretion, at any time, and the modifications will be effective when posted through the Platform or on our website for the Services or when we notify you by other means. It is important that you review this Agreement whenever we modify it because your continued use of the Platform indicates your agreement to the modifications.
In some cases, or where otherwise required by law, you may need to accept changes to this Agreement to continue using the Platform. If you do not agree to the changes, you may stop using the Platform or terminate your account. We have the right, in our sole discretion, to revise, update, or otherwise modify, suspend or discontinue the Platform or alter your access to the Platform; and for material changes, to the extent reasonably possible, we will provide you with reasonable notice either posted on the website hosting the Platform or to the Administrator’s (as defined below) email address. Note that we may modify the amount of storage space you have through the Platform and the number of times (and the maximum duration for which) you may access the Platform in a given period of time. In the event we need to maintain the security of the system or comply with any laws or regulations, we reserve the right to modify the Platform immediately, and to provide the Administrator with electronic or written notice within thirty (30) days after any material modifications. You may reject any changes to the Platform by discontinuing use of the Platform to which such changes relate. Your continued use of the Platform will constitute your acceptance of and agreement to such changes.
4. YOUR RIGHTS TO USE THE PLATFORM
Subject to your compliance with this Agreement, you may access and use the Platform only for your own internal, lawful and non-commercial purposes.
5. TRIAL VERSIONS AND BETA FEATURES
We may include new, modified or updated beta, pre-release and trial features as part of the Platform and such features are provided as-is. Your use of such features must follow any additional rules or restrictions that we may place on their use.
6. ACCOUNT
You must sign up for an account to use the Platform. We will need to verify your identity and you authorize us to collect information from you to do so, collectively forming your “Account Information”). You agree to provide accurate, up-to-date Account Information, and we disclaim any liability arising from your failure to do so. Failure to provide accurate and up-to-date Account Information may limit your ability to use the Platform, may affect the Platform’s accuracy & effectiveness, and limit our ability to access or recover your account.
You are responsible for securely managing your login credentials (including username, password and Multi Factor Authentication) for the Platform. You agree to contact us immediately if you become aware of your Account Information or a device you use to access the Platform has been lost or stolen or compromised or if someone is using your account without your permission.
7. PAYMENT AND TAXES
We may require payment of fees or a subscription charge for use of the Platform or portions thereof and you agree to pay such fees or subscription charge. If you registered for a trial, you may need to purchase a subscription to the Platform before the trial ends in order to retain access to any User Data (defined below) provided to, or created through, the Platform.
For Services offered on a payment or subscription basis, the following terms apply, unless we notify you in writing.
Payments will be billed to you in Canadian dollars or other currencies which may be made available (plus any and all applicable taxes, including without limitation GST, HST and PST, as applicable) and your account will be debited when you subscribe and provide your payment information, unless stated otherwise in the program ordering or payment terms on the website for the Services.
If your payment and registration information is not accurate, current, and complete, or a chargeback is processed on your account, we may at our discretion suspend or terminate your account immediately, without notice, and refuse your use of the Platform. If you do not notify us of updates to your payment method, we may participate in programs supported by your card provider to attempt to update your payment information, and you authorize us to continue billing your account with the updated information that we obtain in this manner.
If you stop using the Platform or the applicable Services, Lucra.tax has fulfilled your subscription term. After your access to the Platform is terminated, you may no longer have access to any of the data or Content in the Platform. We suggest you retain your own copies of any Content that you may need as Lucra.tax is not responsible for providing you with access to your Content or the Platform after any cancellation or termination of this Agreement. Additional cancellation or renewal terms may be provided to you on the website for the Services.
You may be charged a subscription fee in advance on an annual basis or other recurring interval disclosed to you prior to your purchase. We will automatically renew your subscriptions at the then-current rates, unless the subscription is cancelled or terminated under this Agreement. We may change the price for recurring subscription fees from time to time with notice to you. If you do not agree with the price change, you may unsubscribe prior to implementation of the price change. Your payment to Lucra.tax will automatically renew at the end of the applicable subscription period, unless cancelled. Subscription cancellations will take effect the day after the last day of the current subscription period. If you cancel in the middle of a subscription period, you will be able to continue to access and use the applicable Service until the end of your subscription period. We do not provide refunds or credits for any cancellations or partial subscription period.
If you stop using the Platform or the applicable Services, Lucra.tax has fulfilled your subscription term. After your access to the Platform is terminated, you may no longer have access to any of the data or Content in the Platform. We suggest you retain your own copies of any Content that you may need as we are not responsible for providing you with access to your Content or the Platform after any cancellation or termination of this Agreement. Additional cancellation or renewal terms may be provided to you on the website for specific Services.
8. USE WITH MOBILE DEVICE
Access to the Platform may be available through one or more apps for compatible computers or mobile devices. You agree that you are solely responsible for any applicable changes, updates and fees as well as complying with the provisions of your agreement with your telecommunications provider and any third-party mobile app marketplace.
With respect to the applicable Software, you are only granted limited rights to install and use the Software you have downloaded, signed up for or for which you have purchased a license or acquired a free trial. We reserve all other rights in the applicable Software not granted to you in writing in this Agreement. Conditional to your agreement and compliance with the terms and conditions of this Agreement, including all payment obligations, Lucra.tax grants you a personal, limited, nonexclusive, nontransferable, revocable license to use the applicable Software only for the period of use provided in the applicable ordering and activation terms, as set forth in this Agreement and only for the purposes described by Lucra.tax for the applicable Software.
You acknowledge and agree that such Software is provided on a license to use basis and is not sold.
9. OTHER PRODUCTS AND SERVICES
9.1. Service Providers. We may use third parties in the operation of our Platform or to perform any of our obligations in this Agreement (each a “Service Provider”). In order for our Service Providers to be able to provide you with certain aspects of the Platform, we may share a limited amount of your data or Content with such Service Provider. Our agreements with Service Providers outline the appropriate use and handling of this information and prohibit the Service Provider from using any of your information for purposes unrelated to the Platform, except as agreed to by you.
You agree to indemnify and hold Lucra.tax and its Affiliates harmless from any and all losses, damages, judgments, fines, costs and expenses (including legal fees) in connection with any claims arising out of or relating to your use of Service Providers.
9.2. Third Party Products and Advice. By using the Platform, you agree that we may market to you or offer you access to products or services from third parties (“Third Party Products”). If you decide to use or access any Third Party Products, you agree that you are solely responsible for your relationship with the provider of the product. Lucra.tax is not affiliated with Third Party Products and does not endorse or recommend any Third Party Products. Except as prohibited by law, you agree that the providers of the Third Party Products, and not Lucra.tax, are solely responsible for their own actions or inactions, and Lucra.tax is not liable for any damages, claims or liabilities arising out of or related to any Third Party Products. You agree that you will (a) review and comply with all Third Party Product terms and conditions, and (b) not use the Third Party Product in any manner that would infringe or violate the rights of Lucra.tax or any other party or in furtherance of criminal, fraudulent or other unlawful activity.
From time to time, we may offer specific functionality in the Platform that provides you with the opportunity to seek professional advice, for example, the ability to speak with a tax expert. Unless specifically disclosed, Lucra.tax is not in the business of providing legal, financial, accounting, tax, health care, insurance, real estate or other professional service or advice. You should consult with relevant professionals in those respective fields for advice.
10. CONTENT AND DATA
You are solely responsible for anything you write, submit, receive, share and store or any data you input into the Platform (collectively "Content"). Content includes but is not limited to data, information, materials, text, graphics, images, audio and video that are uploaded, transmitted, posted, generated, stored, or otherwise made available through the Platform. You have no obligation to provide any Content to the Platform, and you are free to choose the Content that you want to provide. You acknowledge certain functionality in the Platform may be dependent on the provision of Content and may not be available without such Content.
You retain any intellectual property rights that you have to your Content. By sharing your Content in connection with the Platform, you hereby grant Lucra.tax a worldwide, non-exclusive and royalty-free license to use your Content for the purposes of operating, providing and improving the Platform. Specifically, you grant us rights to do the following:
This license lasts for as long as your Content is protected by intellectual property rights.
We may collect, derive or generate deidentified and/or aggregated data regarding your usage of or the performance of the Platform, including data derived from your Content. Lucra.tax will own all such data and may use this data without restriction, including, but not limited to, operating, analyzing, improving, or marketing our products and services, including the Platform.
As between you and Lucra.tax, Lucra.tax and its licensors retain all rights, title or interest in and to the Platform, except for the rights granted to you.
You may have the opportunity to share your data, Content, or ways in which you aggregate data (“Account Content”) with other users (“Additional Users”) of the Platform, other Lucra.tax customers (such as professional services providers), and other third parties. When sharing any Account Content, you agree not to share any confidential information. If you have the option of accessing another user’s Account Content, you understand and agree that the Account Content is being provided by that user, and not Lucra.tax, for information and guidance purposes only, and Lucra.tax and such users are not responsible in any way for your use of the Account Content.
Additional Users may include tax preparation professionals, accountants, bookkeepers, legal counsel, or other service providers that you authorize to have access to all or part of your Content.
11. PROHIBITED USES
You agree not use the Platform to:
Lucra.tax may terminate your use of the Platform based on our reasonable suspicion that your activities, business or products are objectionable or promote, support, or engage in any of the prohibited uses described above.
Lucra.tax may, but has no obligation to, monitor access to or use of the Platform or Content or to review or edit any Content, including, without limitation, for the purpose of operating the Platform, to ensure compliance with this Agreement, and to comply with applicable law or other legal requirements. We may disclose any information necessary to satisfy our legal obligations, protect Lucra.tax or its customers, or operate the Platform properly. Lucra.tax, in its sole discretion, may refuse to post, remove, or refuse to remove, or disable any Content, in whole or in part, that is alleged to be, or that we consider to be unacceptable, undesirable, inappropriate, or in violation of this Agreement.
12. TERMINATION OF THE AGREEMENT
Lucra.tax may, in its sole discretion, and without notice, restrict, deny, terminate this Agreement or suspend the Platform, related or other services, effective immediately, in whole or in part, if we determine that your use of the Platform violates the Agreement, is improper or substantially exceeds or differs from normal use by other users, raises suspicion of fraud, misuse, security concern, illegal activity or unauthorized access issues; to protect the integrity or availability of the Platform or systems and comply with the applicable Lucra.tax policy; if you no longer agree to receive electronic communications; or if your use of the Platform conflicts with our interests or those of another user of the Platform.
In addition to the foregoing, Lucra.tax may terminate this Agreement immediately if: (i) you become insolvent, or are generally unable to pay your debts as they become due, or you make an assignment for the benefit of your creditors or seek relief under any bankruptcy, insolvency, or debtor’s relief law; (ii) you file a voluntary petition in bankruptcy or proceedings are commenced against you under any bankruptcy, insolvency, or debtor relief law; (iii) a receiver is appointed for you or your material assets; (iv) you are liquidated or dissolved or cease operations; or (v) we receive notice of your bankruptcy, insolvency or similar arrangement.
13. EFFECT OF TERMINATION
Upon expiration of your subscription or cancellation of your account, or Lucra.tax's termination of your account or this Agreement, you must immediately stop using the Platform and pay all outstanding fees for Services used. No expiration or termination will affect your obligation to pay all fees due or that may have accrued through the effective date of expiration or termination or entitle you to any refund. Except for consumers in Quebec, Lucra.tax reserves the right to terminate a free account at any time. If you are a Quebec Consumer refer to Section 23.
14. SURVIVAL
The following Sections will survive any termination, discontinuation or cancellation of the Platform, your account or this Agreement: “Your Personal Information,” “Payments and Taxes” (with respect to fees due and unpaid), “Content and Data,” “Effect of Termination,” “Disclaimers,” “Limitations of Liability,” “Indemnification,” “Disputes,” “General,” “Contact Information,” and “Province Specific Terms” (to the extent such terms modify terms in one of the sections referenced in this paragraph for Quebec Consumers), as well as any other provisions that express survive such termination, discontinuation or cancellation.
15. COMMUNICATIONS
In order to properly support and serve you, we occasionally need to reach out and contact you, and may do so in a variety of ways such as via text message, email or messaging functionality in the Platform. We want to provide you with options for receiving communications from us, and as such you may opt-in or opt-out of receiving certain types of communications from us or sign up to receive certain kinds of messages from us, depending on the Service. You will need to notify us of any changes to your contact details to ensure your preferences are updated.
16. DISCLAIMERS
IF YOU ARE A QUEBEC CONSUMER, THIS PROVISION IS NOT APPLICABLE TO YOU REFER TO SECTION 23.
YOUR USE OF THE PLATFORM, SOFTWARE, AND CONTENT IS ENTIRELY AT YOUR OWN RISK. EXCEPT AS DESCRIBED IN THIS AGREEMENT, THE PLATFORM IS PROVIDED "AS IS." TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LUCRA.TAX, ITS AFFILIATES AND ITS AND THEIR THIRD PARTY PROVIDERS, LICENSORS, DISTRIBUTORS AND SUPPLIERS (COLLECTIVELY "SUPPLIERS") DISCLAIM ALL WARRANTIES OR CONDITION THAT THE PLATFORM IS FIT FOR A PARTICULAR PURPOSE, OR OF TITLE, MERCHANTABILITY, DATA LOSS, NON-INTERFERENCE WITH OR NON-INFRINGEMENT OR NO MISAPPROPRIATION OF ANY INTELLECTUAL PROPERTY RIGHTS, OR OF THE ACCURACY, RELIABILITY, OR QUALITY OF CONTENT IN OR LINKED TO THE PLATFORM. LUCRA.TAX AND ITS AFFILIATES AND SUPPLIERS DO NOT WARRANT THAT THE PLATFORM IS SECURE OR FREE FROM BUGS, VIRUSES, INTERRUPTION, ERRORS, THEFT, OR DESTRUCTION. IF THE EXCLUSIONS FOR ANY IMPLIED WARRANTIES OR CONDITIONS DO NOT APPLY TO YOU, ANY IMPLIED WARRANTIES OR CONDITIONS ARE LIMITED TO 60 DAYS FROM THE DATE OF PURCHASE OR DELIVERY OF ACCESS TO THE PLATFORM, WHICHEVER IS SOONER. SOME PROVINCES DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR CONDITIONS, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. THIS WARRANTY GIVES YOU SPECIFIC LEGAL RIGHTS, AND YOU MAY HAVE OTHER RIGHTS THAT VARY FROM PROVINCE TO PROVINCE.
LUCRA.TAX, ITS AFFILIATES AND SUPPLIERS DISCLAIM ANY REPRESENTATIONS OR WARRANTIES THAT YOUR USE OF THE PLATFORM WILL SATISFY OR ENSURE COMPLIANCE WITH ANY LEGAL OBLIGATIONS OR LAWS OR REGULATIONS.
LUCRA.TAX DOES NOT REPRESENT THAT THE PLATFORM AND/OR CONTENT WITHIN THE PLATFORM IS APPROPRIATE OR AVAILABLE FOR USE IN ALL JURISDICTIONS OR COUNTRIES. LUCRA.TAX PROHIBITS ACCESSING CONTENT FROM WITHIN COUNTRIES OR STATES WHERE SUCH CONTENT IS ILLEGAL. YOU ARE RESPONSIBLE FOR COMPLIANCE WITH ALL APPLICABLE LAWS PERTAINING TO YOUR USE AND ACCESS TO THE PLATFORM IN YOUR JURISDICTION.
WITHOUT LIMITING THE FOREGOING, LUCRA.TAX DOES NOT GIVE PROFESSIONAL ADVICE. UNLESS SPECIFICALLY INCLUDED WITH THE PLATFORM, LUCRA.TAX IS NOT IN THE BUSINESS OF PROVIDING LEGAL, FINANCIAL, ACCOUNTING, TAX, HEALTH CARE, REAL ESTATE OR OTHER PROFESSIONAL SERVICES OR ADVICE. CONSULT THE SERVICES OF A COMPETENT PROFESSIONAL WHEN YOU NEED THIS TYPE OF ASSISTANCE.
17. LIMITATION OF LIABILITY
Our liability is limited when it comes to issues you may encounter with our Platform.
IF YOU ARE A QUEBEC CONSUMER, THIS PROVISION IS NOT APPLICABLE TO YOU; PLEASE REFER TO SECTION 23.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE ENTIRE LIABILITY OF LUCRA.TAX, ITS AFFILIATES AND SUPPLIERS FOR ALL CLAIMS RELATING TO THIS AGREEMENT SHALL BE LIMITED TO THE AMOUNT YOU PAID FOR THE SERVICES DURING THE TWELVE (12) MONTHS PRIOR TO SUCH CLAIM. SUBJECT TO APPLICABLE LAW, LUCRA.TAX, ITS AFFILIATES AND SUPPLIERS ARE NOT LIABLE FOR ANY OF THE FOLLOWING: (A) INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES; (B) DAMAGES RELATING TO FAILURES OF TELECOMMUNICATIONS, THE INTERNET, ELECTRONIC COMMUNICATIONS, CORRUPTION, SECURITY, LOSS OR THEFT OF DATA, VIRUSES, SPYWARE, LOSS OF BUSINESS, REVENUE, PROFITS OR INVESTMENT, OR USE OF SOFTWARE OR HARDWARE THAT DOES NOT MEET LUCRA.TAX SYSTEMS REQUIREMENTS. THE ABOVE LIMITATIONS APPLY EVEN IF LUCRA.TAX AND ITS AFFILIATES AND SUPPLIERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS AGREEMENT SETS FORTH THE ENTIRE LIABILITY OF LUCRA.TAX, ITS AFFILIATES AND SUPPLIERS AND YOUR EXCLUSIVE REMEDY WITH RESPECT TO THE PLATFORM AND ITS USE.
18. INDEMNIFICATION
If someone sues us because you used the Platform unlawfully or didn't follow our rules, you will be responsible for any harm to us.
You agree to indemnify and hold Lucra.tax, its Affiliates and Suppliers harmless from any and all losses, damages, judgments, fines, costs and expenses (including legal fees) in connection with any claims arising out of or relating to your use of the Platform or violation of this Agreement (collectively referred to as "Claims"). Lucra.tax reserves the right, in its sole discretion and at its own expense, to assume the exclusive defense and control of any Claims. You agree to reasonably cooperate as requested by Lucra.tax in the defense of any Claims.
19. DISPUTES
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, all disputes, controversies or claims in connection with this Agreement or breach thereof, shall be determined by arbitration administered by ICDR Canada in accordance with its Canadian Arbitration Rules. The number of arbitrators shall be one, the place of arbitration shall be the City of Vancouver, British Columbia, Canada and the language of the arbitration shall be English. The award by the arbitrator shall be final and binding on the parties and the arbitration process shall be confidential. Each party will be responsible for its own costs of arbitration. Any controversy or claim arising out of or relating to this Agreement, or the breach thereof, shall be brought in the parties' individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. This Section shall survive expiration, termination or rescission of this Agreement.
20. LANGUAGE
The English-language version of this Agreement applies unless you are a Quebec Consumer.
If you are a Quebec Consumer, this provision is not applicable to you; please refer to Section 23. Any translation of this Agreement is done for local requirements and in the event of a dispute between the English and any non-English version, the English version of this Agreement shall govern.
21. GENERAL
21.1 Governing Law.
If you are a Quebec Consumer, this provision is not applicable to you; please refer to Section 23. The Province of British Columbia and the federal laws of Canada govern this Agreement without regard to its Conflicts of Laws provisions. You agree to the exclusive jurisdiction of the Province of British Columbia and the Courts of the Province of British Columbia. The United Nations Convention on Contracts for the International Sale of Goods does not apply to this Agreement.
21.2 Export and Trade Restrictions.
You acknowledge that the Platform, including the mobile application, and the underlying software is subject to restrictions and controls imposed by the Export and Import Permits Act (Canada) and regulations under the Export and Import Permits Act as well as the U.S. export controls regulations administered by the U.S. Department of Commerce (15 CFR, Chapter VII) and that you will comply with all applicable laws and regulations. You will not export or re-export any part of the Platform, in violation of the Canadian and U.S. export administration laws and regulations, directly or indirectly. You further acknowledge that the underlying software may include technical data subject to such Canada and U.S. export regulations.
21.3 Force Majeure.
Any delay in or failure of performance by Lucra.tax under this Agreement will not be considered a breach of this Agreement and will be excused to the extent caused by any occurrence beyond its reasonable control, including, but not limited to acts of God, power outages, failures of the Internet, failures of banking or Payments Canada networks, or failures of the Plaid network.
21.4 Waiver.
Failure on the part of Lucra.tax to act or enforce any of our rights does not constitute a waiver of any of our rights. Any waiver by Lucra.tax of any of the provisions in the Agreement must be made in writing and signed by a duly authorized officer of Lucra.tax.
21.5 Entire Agreement; Severability.
This Agreement, including the Section B terms below, is the entire agreement between you and Lucra.tax regarding its subject matter and replaces all prior understandings, communications and agreements, oral or written, regarding its subject matter. If any court of law, having the jurisdiction, rules that any part of this Agreement is invalid, that section will be removed without affecting the remainder of the Agreement. The remaining terms will be valid and enforceable.
21.6 Assignment.
You may not assign your rights under this Agreement, under operation of law or otherwise, without Lucra.tax's written consent. Any attempts to do so without our consent will be null and void. Lucra.tax may assign or transfer this Agreement without your consent to any party.
22. CONTACT INFORMATION
If you have any questions about the Platform or this Agreement, please contact support@Lucra.tax.
23. PROVINCE SPECIFIC TERMS
If you are an individual residing in the Province of Quebec and you are not using the Platform for the purposes of a business ("Québec Consumers”), you are not permitted to use the platform at this time.