Terms of Service
Last updated: March 2026
1. Preamble and Acceptance of Terms
These Terms of Service govern access to and use of Monquiro, an AI-powered accounting assistant operated by Rune Labs SAS, a company registered in France. By creating an account, connecting integrations, or using any Monquiro feature, you confirm that you have read and accepted these Terms.
These Terms form a legally binding contract between you and Rune Labs SAS under the French Code civil. If you use Monquiro on behalf of a company or organization, you represent that you are authorized to bind that entity.
If you do not agree with these Terms, you must not access or use the Service. These Terms are governed by French law, subject to mandatory protections available to eligible consumers under applicable law.
2. Definitions
For these Terms: "Service" means Monquiro and all related features; "User" means any person or legal entity using the Service; "Account" means the authenticated profile created through Google OAuth.
"Content" means all text, interfaces, data structures, and materials made available by Monquiro; "User Data" means data you provide or authorize us to access, including invoices, receipts, email metadata, and chat inputs; "Subscription" means any paid plan or free trial tied to your Account.
"AI Features" means automated parsing, categorization, chat, and reporting functions; "Third-Party Services" means external providers such as Google, Pennylane, Mistral AI, and Stripe; "Personal Data" has the meaning given under the GDPR and applicable EU data protection laws.
3. Service Description
Monquiro provides tools designed for freelancers and small businesses to collect and organize accounting information. Core features include Gmail invoice scanning in read-only mode, Pennylane synchronization, AI-powered invoice parsing and chat, and financial reporting views.
Monquiro helps you prepare and structure information, but it does not act as your accountant, statutory auditor, tax advisor, lawyer, or regulated financial professional. The Service is software support for operational workflows, not a certified accounting engagement.
You remain solely responsible for bookkeeping choices, tax filings, legal declarations, and regulatory compliance. When needed, you should obtain independent advice from qualified professionals.
4. Account Registration and Security
Access to Monquiro requires sign-in through Google OAuth. You agree to maintain one account per natural person, unless we expressly authorize another setup in writing.
You must be at least 18 years old, or the legal age required to enter a business contract in your jurisdiction, and you must provide accurate and up-to-date account information. You are responsible for all actions performed through your Account.
You must keep your authentication method secure and promptly notify support@monquiro.com if you suspect unauthorized access. We may suspend or restrict access if we detect fraud, abuse, or security risks.
5. Gmail Access and Email Data
When you authorize Gmail access, Monquiro uses read-only permissions to identify invoice-related emails and attachments, such as PDF invoices and receipt messages. Monquiro does not send emails, delete emails, modify mailbox settings, or act on your behalf in Gmail.
The Service extracts relevant accounting fields, such as sender identity, invoice amounts, dates, tax information, attachment text, and transaction references needed for categorization and sync. You may revoke Gmail permissions at any time in your Google account settings, which will stop future Gmail data access.
Monquiro's use and transfer to any other app of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements.
6. AI-Powered Features and Disclaimer
Monquiro uses AI systems to parse invoices, suggest categories, generate summaries, and answer user questions in chat. These AI features are provided to assist your workflow and reduce manual processing.
AI output may contain inaccuracies, omissions, or outdated interpretations, especially where source documents are incomplete or ambiguous. Results can vary depending on context and document quality.
All AI outputs are informational only and do not constitute accounting, tax, legal, or financial advice. You are solely responsible for reviewing and validating all AI-generated data before relying on it.
7. Third-Party Integrations
Monquiro integrates with Google for authentication and Gmail access, Pennylane for accounting synchronization, Mistral AI for certain AI processing, and Stripe for subscription payments. These services are operated by independent providers.
Your use of each Third-Party Service is subject to that provider's own terms, privacy policies, and technical rules. You are responsible for maintaining valid accounts and permissions with those providers.
Rune Labs SAS is not responsible for downtime, API changes, access revocations, billing incidents, or functional limitations caused by Third-Party Services. If a provider changes or discontinues a feature, we may adapt or remove related functionality in Monquiro.
8. Subscription Plans and Billing
Monquiro offers a 7-day free trial and paid subscriptions with usage caps, including monthly invoice limits and other plan-based thresholds. Paid subscriptions are billed through Stripe on a recurring basis and renew automatically unless canceled before the renewal date.
You may cancel at any time from your billing settings, and cancellation takes effect at the end of the current billing period unless stated otherwise in your plan. Except where required by mandatory law, fees paid for active periods are non-refundable, and partial-month unused usage is not automatically reimbursed.
Where French or EU consumer law grants a withdrawal right for digital services, you acknowledge that service performance may begin immediately after purchase with your prior express consent and, where applicable, waiver of withdrawal once performance starts. We may change prices with at least 30 days notice before the new price takes effect.
9. User Obligations and Acceptable Use
You agree to use Monquiro lawfully, in good faith, and only for legitimate business and accounting support purposes. You must comply with applicable laws, including tax, anti-fraud, bookkeeping, and accounting obligations that apply to your activity.
You must not misuse the Service, attempt unauthorized access, interfere with infrastructure, upload malicious content, reverse engineer protected parts of the platform, or use automated means to scrape or overload the Service without permission. You must not use Monquiro to process illegal transactions or unlawful content.
You remain responsible for the legality, accuracy, and rights clearance of all User Data you submit or connect. We may suspend or terminate accounts involved in abuse, security incidents, or legal violations.
10. Intellectual Property
Monquiro, including its software, source code, architecture, interfaces, trademarks, branding, and documentation, is owned by Rune Labs SAS or its licensors and is protected by intellectual property laws. No ownership rights are transferred to you by using the Service.
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Service for your internal business purposes during an active Subscription. Any rights not expressly granted are reserved.
You retain ownership of your User Data. You grant Rune Labs SAS a limited license to host, process, analyze, reproduce, and transmit User Data solely as needed to provide, secure, improve, and support the Service in accordance with these Terms and the Privacy Policy.
11. Data Processing and Privacy
Processing of Personal Data is described in our Privacy Policy, which is incorporated by reference into these Terms. By using Monquiro, you acknowledge that your data is processed for account management, document processing, support, billing, and service improvement.
Rune Labs SAS applies GDPR principles, including data minimization, purpose limitation, and appropriate technical and organizational safeguards. Personal Data is processed primarily within the European Union whenever technically and commercially feasible.
Data in transit is protected through encrypted communications, and stored sensitive data is protected by encryption at rest and access controls. If cross-border transfers are required, we implement appropriate legal safeguards under applicable data protection law.
12. Limitation of Liability
The Service is provided on an as-is and as-available basis, to the fullest extent permitted by applicable law. Rune Labs SAS does not guarantee uninterrupted availability, complete accuracy of AI outputs, or error-free operation across all integrations and document formats.
To the extent permitted by law, Rune Labs SAS is not liable for indirect or consequential losses, loss of profit, loss of business opportunity, reputational harm, third-party outages, or losses resulting from your failure to verify accounting and tax information. In all cases where liability may be limited, our aggregate liability is capped at the total fees paid by you for Monquiro during the 12 months preceding the event giving rise to the claim.
Nothing in these Terms excludes or limits liability that cannot be excluded under French law, including mandatory consumer protections under the Code de la consommation and liability for fraud, gross negligence, or bodily injury where exclusion is prohibited.
13. Indemnification
You agree to indemnify and hold harmless Rune Labs SAS, its officers, and employees against claims, losses, liabilities, and costs arising from your misuse of the Service. This includes claims resulting from unlawful use, rights infringement, or breach of these Terms.
This indemnity also applies to claims caused by your User Data, your failure to obtain required rights or permissions, or your non-compliance with tax and accounting obligations. We will notify you promptly of any covered claim and cooperate reasonably in the defense.
You may not settle a claim that imposes obligations on Rune Labs SAS without our prior written consent. We reserve the right to assume control of defense at our own cost when appropriate.
14. Service Modification and Termination
We may modify, suspend, or discontinue all or part of Monquiro for operational, legal, security, or product reasons. For material adverse changes, we will provide reasonable prior notice when feasible.
You may stop using the Service and terminate your Subscription at any time through your account settings. We may suspend or terminate access for material breach, non-payment, abuse, legal risk, or security threats.
Upon account deletion or termination, access ends and data deletion workflows begin. Unless retention is required by law, User Data is deleted from active systems within 30 days, subject to limited backup lifecycle constraints.
15. Force Majeure
Neither party is liable for delay or non-performance caused by events outside reasonable control, including major network failures, cyberattacks of exceptional scale, natural disasters, governmental actions, labor disputes, or widespread provider outages. Obligations affected by such events are suspended for the duration of the event.
Each party shall use reasonable efforts to mitigate effects and resume performance as soon as possible. If the force majeure event continues beyond a reasonable period, either party may terminate affected services without penalty.
This clause is interpreted consistently with principles of force majeure under French law, including Article 1218 of the French Code civil.
16. Governing Law and Dispute Resolution
These Terms are governed by French law. Any dispute concerning validity, interpretation, performance, or termination of these Terms falls under the jurisdiction of competent courts in Paris, France, subject to mandatory jurisdiction rules for protected consumers.
Before initiating court proceedings, consumers are invited to seek an amicable resolution and may use a consumer mediation mechanism in accordance with the French Code de la consommation. EU consumers may also access the Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr.
Nothing in this section limits any mandatory rights you may have to bring claims before another competent court under applicable consumer protection law.
17. Severability and Entire Agreement
If any provision of these Terms is held invalid, illegal, or unenforceable, the remaining provisions remain in full force and effect. The invalid provision will be interpreted, to the extent possible, in a manner that preserves its intended economic and legal effect.
These Terms, together with the Privacy Policy and any plan-specific terms presented at checkout, constitute the entire agreement between you and Rune Labs SAS regarding the Service. They replace prior discussions, proposals, or understandings on the same subject.
A failure to enforce any right under these Terms is not a waiver of that right. Any waiver must be explicit and in writing.
18. Changes to Terms
We may update these Terms to reflect legal, security, technical, or product changes. For material changes, we will provide at least 30 days notice by in-product notice, email, or another reasonable communication channel.
If you continue using Monquiro after the effective date of updated Terms, the updated Terms apply. If you disagree with material changes, you may stop using the Service and cancel your Subscription before the changes take effect.
Non-material clarifications may take effect immediately where permitted by law. The latest version is always available on this Terms page with its effective date.
19. Contact Information
Operator: Rune Labs SAS, a company registered in France, trading as Monquiro.
Legal contact: contact@monquiro.com. Support contact: support@monquiro.com.
Registered office: 254 rue Vendôme, 69003 Lyon, France.