BancoOs
Legal

Terms of Service

The agreement between BancoOs and the business customers who use the platform.

Version 1.0 · Effective 13 July 2026

Pending legal review: These terms are a working draft for enterprise evaluation. Governing law, liability caps, and the legal-entity block must be settled by Vietnamese counsel before contractual reliance. Enterprise customers typically execute a signed MSA + DPA that supersedes this page.

1. The service

BancoOs provides an accounts-payable automation platform: document ingestion, AI extraction, invoice–PO–goods-receipt matching, approval workflows, payment preparation, ERP synchronization, and Vietnamese e-invoice compliance checks. The service is provided to organizations; each user account belongs to exactly one customer organization.

2. Your responsibilities

  • Keep your identity provider (Microsoft Entra ID) secure — sign-in and MFA are enforced there. Manage member roles, sessions, and API keys through the in-app Security Center, and revoke access for leavers promptly.
  • Use the platform only for lawful invoice processing for your own organization. You are responsible for the accuracy of master data (vendors, bank details, approval thresholds) you configure.
  • Human review of AI output: extraction and matching are AI-assisted. BancoOs surfaces confidence and routes exceptions to approvers, and approval of a payment remains your organization's decision.

3. Data

Your workspace content remains yours. We process it per the Privacy Policy and, for enterprise agreements, a data processing agreement. You can export your full workspace at any time and request organization deletion (30-day grace window) — both are self-service and audited.

4. Service levels and support

Platform availability, incident response, and maintenance practices are described in the Trust Center. Enterprise SLA commitments (uptime, support-response tiers) are made in order forms, not on this page. [SLA schedule TO CONFIRM as part of enterprise contracting.]

5. Acceptable use

  • No attempts to access another organization's data.
  • No probing or disrupting the service outside the Responsible Disclosure Policy.
  • No resale of the service without a written partnership agreement.

6. Fees, suspension, termination

Fees are set in the order form. We may suspend a workspace for material breach or security risk, with notice where lawful. On termination you retain 30 days to export your data, after which the deletion workflow applies. Accounting-record retention obligations under Vietnamese law survive termination.

7. Warranties and liability

The service is provided with commercially reasonable skill and care. Except as required by law, BancoOs is not liable for indirect or consequential loss; aggregate liability caps are agreed in the MSA. [Liability framework TO CONFIRM with counsel — not yet reviewed under Vietnamese law.]

8. Governing law

[TO CONFIRM: governing law and dispute-resolution venue, expected Vietnam.]