ClearRecord — Terms and Conditions

These Terms and Conditions ("Terms") govern your access to and use of ClearRecord, a software application and related services (the "Service").

ClearRecord is a product and brand operated by PivotalPoint OÜ, an Estonian private limited company.

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Company Information

• Legal entity: PivotalPoint OÜ
• Country of incorporation: Estonia
• Registry code: 16951192
• Contact email: clearrecord@pivotalpoint.io

2. Nature of the Service

ClearRecord is a record-keeping and calculation tool designed to help users log, organize, and export shared financial information.

The Service:

• records user-submitted data in an append-only manner
• applies user-defined or system-defined rules to calculate balances
• generates informational summaries and exports

ClearRecord is not:

• a legal service
• a financial advisory service
• an accounting service
• a payment service
• a mediation or dispute resolution service

All outputs are informational only.

3. No Legal, Financial, or Tax Advice

ClearRecord does not provide legal, financial, tax, or accounting advice.

Any information, calculations, summaries, or exports produced by the Service:

• are based solely on user-provided data and configurations
• may not reflect applicable laws or court requirements
• must be independently reviewed by qualified professionals

You are solely responsible for determining whether outputs are suitable for your purposes.

4. User Responsibilities

You are solely responsible for:

• the accuracy, completeness, and legality of all data you enter
• ensuring you have the right to submit data relating to other individuals
• verifying calculations and exports before relying on them
• compliance with applicable laws, agreements, or court orders

You acknowledge that errors in input (including misclassification, incorrect amounts, dates, or parties) may lead to incorrect outputs.

You represent and warrant that you have the legal right or parental authority to enter data regarding any minor children or third parties. You agree to indemnify PivotalPoint OÜ against any claims arising from the unauthorized entry of sensitive personal data by you.

5. No Liability for User Disputes

ClearRecord does not verify, arbitrate, or resolve disputes between users.

Any disagreement regarding:

• expenses
• approvals
• classifications
• balances
• settlements

is strictly between the users involved.

PivotalPoint OÜ has no obligation to intervene, interpret intent, or enforce agreements between users.

6. Approval, Pending, and Disputed Items

The Service may allow certain entries to be marked as pending, approved, disputed, or similar statuses.

You acknowledge and agree that:

• these statuses are procedural indicators only
• they do not create legal obligations
• they do not constitute acceptance, waiver, or consent
• they do not replace formal agreements or legal processes

7. Limitation of Liability

To the maximum extent permitted by law:

PivotalPoint OÜ shall not be liable for:

• indirect, incidental, consequential, or special damages
• loss of profits, revenue, data, or business opportunities
• decisions made based on Service outputs
• disputes, claims, or proceedings between users

Total liability, if any, shall not exceed the fees paid by you for the Service during the twelve (12) months preceding the claim.

8. No Warranty

The Service is provided "as is" and "as available".

PivotalPoint OÜ makes no warranties, express or implied, including but not limited to:

• fitness for a particular purpose
• accuracy of calculations
• uninterrupted or error-free operation
• compliance with legal or regulatory requirements

9. Bugs, Errors, and Data Integrity

While ClearRecord is designed to preserve data integrity, you acknowledge that:

• software may contain bugs or defects
• calculations may be impacted by configuration or data errors
• exports may not meet external evidentiary standards

You agree to independently verify all outputs before use.

10. Payments and Subscriptions (If Applicable)

If paid plans or features are offered:

• fees are charged per workspace or as otherwise specified
• payments are non-refundable unless required by law
• PivotalPoint OÜ does not guarantee continued availability of specific pricing tiers

Failure to pay may result in restricted access to paid features.

11. Data Protection and Privacy

Personal data is processed in accordance with applicable data protection laws, including the GDPR.

Details regarding data collection, processing, and retention are described in the Privacy Policy, which forms part of these Terms.

12. Termination

You may stop using the Service at any time.

PivotalPoint OÜ may suspend or terminate access:

• for violation of these Terms
• for legal or security reasons
• to comply with applicable laws

Termination does not affect rights or obligations accrued prior to termination.

13. Intellectual Property

All intellectual property rights in the Service, including software, branding, and documentation, are owned by PivotalPoint OÜ.

You are granted a limited, non-exclusive, non-transferable right to use the Service in accordance with these Terms.

14. Governing Law and Jurisdiction

These Terms are governed by the laws of Estonia, without regard to conflict of law principles.

Any disputes shall be subject to the exclusive jurisdiction of the courts of Estonia.

15. Changes to the Terms

PivotalPoint OÜ may update these Terms from time to time.

Continued use of the Service after changes become effective constitutes acceptance of the updated Terms.

16. Contact

For questions regarding these Terms, contact:

PivotalPoint OÜ
Email: clearrecord@pivotalpoint.io