This is a contract ("Terms") between you and CayBook Accounting ("we," "us," "our," "Origami"). These Terms apply whenever you use any of the sites, apps, products, or services ("Services") we offer, in existence now or created in the future. Further, we may automatically upgrade our Services, and these Terms will apply to such upgrades. By accessing or using the Services, you agree to be bound by these Terms. If you use our services on behalf of an organization, you agree to these terms on behalf of that organization. If you do not agree to these Terms, you may not use the Services.

CayBook Accounting is committed to safeguarding the personal information entrusted to us by our clients. We manage your personal information in accordance with the Cayman Islands Data Protection Act and other applicable laws. This policy outlines the principles and practices we follow in protecting your personal information.

You are responsible for safeguarding your password to the Services, making sure that others don’t have access to it, and keeping your account information current. You must immediately notify CayBook of any unauthorized uses of your account or any other breaches of security. Caybook will not be liable for your acts or omissions, including any damages of any kind incurred as a result of your acts or omissions.

Monthly fees are charged in advance and must be paid on the first of each month. Catch up fees must be paid in two equal payments, the first half before we commence work and the second half 30 days after we commence work.

You are free to stop using the Services at any time. We also reserve the right to suspend or end the Services at any time at our discretion and without notice. For example, we may suspend or terminate your use of the Services if you fail to comply with these Terms, or use the Services in a manner that would cause us legal liability, disrupt the Services, or disrupt others’ use of the Services.

In performing our Services, we will send messages and documents electronically. As such communications can be intercepted, misdirected, infected by a virus or otherwise used or communicated by an unintended third party, we cannot guarantee or warrant that communications from us will be properly delivered only to the addressee. Therefore, we specifically disclaim, and you release us from any liability or responsibility whatsoever for interception or unintentional disclosure of communications transmitted by us in connection with the performance of the Services. In that regard, you agree that we shall have no liability for any loss or damage to any person or entity resulting from such communications, including any that are consequential, incidental, direct, indirect, punitive, exemplary or special damages (such as loss of data, revenues, or anticipated profits).

If you do not consent to our use of electronic communications, you may not use the Services.