Terms of Service

Countorra is provided by Armin Samanian, doing business as Countorra (“we” in these terms). Countorra is the name of the service, not a company or other registered business entity. By creating an account or using the product you agree to these terms. If you use Countorra for an organization, you confirm you have authority to bind it.

Countorra is software for keeping your own personal financial records: accounts and transactions, documents, reports, an AI assistant that answers from your records, calculations of certain US income taxes for the situations it supports, and a workspace for organizing tax information. If you choose, it can import transactions from your bank through Plaid.

Countorra is not a bank, a money transmitter or a payment processor — it does not hold or move money — and it is not a tax preparer, an accounting firm or a law firm.

• You must be at least 18 and able to form a binding contract, and provide accurate information. Countorra is not directed at children.
• Whether Countorra may be used in your country has not been assessed outside the United States. Its tax features cover US federal and the states listed in §7 only.
• You are responsible for keeping your password safe and for activity under your account. Tell us promptly if you suspect unauthorized access.
• Each workspace (organization) has its own members, roles, data and plan.
• Accounts sign in with email and password, and can add two-step verification. Keep your sign-in details private; do not share an account.
• Accounts that Countorra provides for development, testing or review are not part of the paid service, may be reset or removed at any time, and carry no commitments.

Countorra offers two plans. A plan belongs to a workspace and is billed to it:

• Countorra Management — $9 USD per month.
• Countorra Tax — $15 USD per month. It includes everything in Countorra Management.

What each plan includes is described on Pricing. Features marked there as coming soon are not part of what you pay for until they are available. Taxes on these prices: depending on where you live, sales tax, VAT or a similar tax may apply. Stripe calculates it at checkout from the location you give, and shows any tax on its checkout page and on each receipt.

• Free trial — once per account. A new account may start one 7-day free trial of either plan. The trial belongs to your account, not to a workspace: an account that has used it — in any workspace, including one since deleted, or under an earlier account with the same email address — does not get another. A card is required to start the trial, and nothing is charged during it. The trial ends exactly 7 days after it starts; Settings → Billing shows the date and time. At that moment the plan's monthly price is charged to your card, and the subscription then renews every month. If you cancel before the trial ends, the subscription ends when the trial does and nothing is charged. If your account has already used its trial, a plan you start is charged when you subscribe. We also send a reminder email a few days before a trial ends; Settings → Billing is where the end date is always shown.
• Confirming the terms. Before Stripe's checkout opens, you confirm the plan's price, whether a trial applies, and that it renews automatically. We keep a record of what you confirmed and when.
• Recurring billing. Plans are monthly subscriptions, charged by Stripe to the payment method you provide, automatically each month at the price you subscribed at, until cancelled. If we change a plan's price, we will tell you before the new price applies to your subscription, and you can cancel before it does.
• Starting. A workspace moves to its plan once Stripe confirms the subscription — not when you return from the checkout page.
• Cancelling. The workspace's owner can cancel at any time in Settings → Billing with Cancel plan; the cancellation is confirmed on screen and by email. It takes effect at the end of the trial or of the period already paid for: nothing more is charged, and until then the plan keeps working and the cancellation can be withdrawn (Keep plan).
• Changing plan, card and invoices. In Settings → Billing. A change of plan is charged (moving up) or credited toward your next invoices (moving down) for the rest of the current period, in the amount shown before you confirm. A new card is entered on Stripe's own page.
• Fair use. Each person has one workspace, which a partner or family members join by invitation. Neither plan sets a limit on questions to the assistant or active bank connections, and Countorra Tax sets none on pages of documents read by text recognition. To keep the service available to everyone, we limit how quickly requests can be made, and we may limit, suspend or end use that is automated or abusive, or that threatens the service or other customers.
• Failed payments. If a payment fails, Stripe tries again, and the workspace keeps working while it does. If no payment can be collected, the subscription ends and the workspace is paused until a plan is chosen. Your data is not deleted.
• Refunds. Payments already made are not refunded automatically: cancelling stops the next renewal, and the plan stays active until the end of the period you paid for. A trial cancelled before it ends is never charged. If you believe you were charged in error, write to us and we will look into it. Nothing in this policy limits a right to a refund that applicable law gives you.
• Earlier plans. A small number of workspaces created before these plans were introduced remain on an earlier, unpaid plan with the limits the product shows them. It is not offered to new workspaces.
• Deleting your account cancels your subscriptions. Before anything is deleted, Countorra cancels the paid subscription of every workspace being deleted — immediately — and confirms with Stripe that it will not be charged again. If that cannot be confirmed, nothing is deleted and you are asked to try again. The unused part of a period already paid for is not credited automatically; refunds follow the policy above. A shared workspace you only leave keeps its plan for its remaining members.

Connecting a bank is optional and available on plans that include it. Countorra uses Plaid to connect to your financial institution, and your use of Plaid is also subject to Plaid's End User Privacy Policy. What is shared and how it is stored is described in our Privacy Policy.

• You choose which institutions to connect. Each connected bank account is added to your books, and if you already keep one of those accounts by hand, we ask you first. Connect only accounts you are authorized to access.
• Imported data comes from your bank through Plaid. We do not guarantee that it is complete, accurate or current, and imports depend on your bank and on Plaid being available. Check imported transactions against your bank statements.
• Pending transactions are not added to your books until they post, and changes you make to an imported transaction are not overwritten.
• The names and logos of banks and other financial institutions shown on our website belong to their owners. They are shown to say which institutions can be connected through Plaid; Countorra is not affiliated with, sponsored by or endorsed by any of them, and not every institution or account type can be connected.
• Your bank may occasionally ask you to sign in again before imports continue.
• You can disconnect at any time. Transactions already imported stay in your books until you delete them.

You agree not to:

• use Countorra unlawfully, or to record fraudulent financial information;
• connect a bank account you are not authorized to access;
• attempt to bypass, disable or probe access controls, organization isolation, rate limits or authentication;
• upload malicious files, or documents or content you do not have the right to upload or that belong to someone who has not authorized you to use them;
• scrape or extract data other than through the product's own features;
• reverse-engineer the product beyond what applicable law expressly permits;
• resell or provide access to the product to third parties without our written permission;
• use the AI assistant to generate unlawful content or to get around the confirmation step in §9.

Countorra's tax engine calculates 2026 US individual income tax: federal income tax and self-employment tax, and state income tax for California, New York State, Arizona, and Florida and Texas (which levy no individual income tax, so their figure is zero), using the rates and rules published by the IRS and those states. California has not yet published its 2026 rates, so until it does, California figures follow the Franchise Tax Board's official 2026 estimated-tax method and are labelled as estimates. Calculations use only the information you enter or confirm, cover full-year residents only, and have real limits:

• The standard deduction is always used; itemized deductions are not modelled.
• Tax is calculated for the filing status you choose. Whether you actually qualify for that status is not determined.
• Not modelled, among others: federal tax credits (including the Child Tax Credit and Earned Income Tax Credit), state credits other than California's exemption credits and Arizona's dependent credit, the qualified business income deduction, capital gains and losses, and the Alternative Minimum Tax. A self-employment loss is not subtracted from other income, and whether someone else can claim you as a dependent is not asked; a result affected by either says so. A refund or balance due is shown only when your withholding and estimated payments are entered and confirmed.
• New York figures cover New York State only — not New York City, Yonkers or the MCTMT. No other state, and no local tax, is covered.
• Each result lists what it does not include. Read that list before relying on a figure.

Tax preparation and tax filing in Countorra organize your information and produce a summary you can export. Countorra does not prepare or file tax returns, does not e-file, does not submit anything to the IRS or any state, and does not provide a tax professional's review. Nothing in Countorra is tax, legal, accounting or financial advice, and Countorra is not a certified public accountant, attorney, enrolled agent, tax preparer or financial adviser. Consult a qualified professional before filing or making decisions that depend on a tax figure.

We do not promise any tax outcome — a refund, an amount owed, a deduction or an audit result. You are responsible for reviewing every figure, and the information it is built from, before you rely on it or file anything. A value read from a document is a proposal until you confirm it, and only confirmed facts are used in a calculation. A calculation is only as complete and accurate as the information it is given.

The AI assistant uses a third-party language model to answer from the records in your workspace. Its explanations and suggestions can be incomplete or wrong, and they are not authoritative and not professional financial, tax, legal or accounting advice. Tax and financial calculations it presents come from Countorra's own calculation code, not from the model, but the model chooses what to ask for and how to describe it. Verify anything before you rely on it. The assistant is a convenience, not a substitute for a professional: it can make mistakes, it is not infallible, and it does not replace the advice of an accountant or tax preparer.

Anything the AI assistant proposes that would create, change or delete a record waits for explicit approval from a member of your workspace with permission to make that change. It is never carried out automatically. Treat every such prompt as a real decision.

You keep ownership of the data, documents and other content you or your workspace's members enter, upload or import. You confirm you have the right to use it in Countorra. We use it only to provide the product to you, as described in our Privacy Policy.

You give Countorra, and the service providers it uses to run the product, a limited licence to store, process and display your content solely to operate the product for you — including sending an uploaded file to a document-reading service and sending structured records to the AI provider, as the Privacy Policy describes. The licence ends when you delete the content or your account, subject to the retention the Privacy Policy describes.

You are responsible for what you upload. Reading a document is automated and can be wrong; you are responsible for reviewing what was read and confirming it before it is used.

You can delete your account yourself in Settings; what is deleted and what is kept is described in the Privacy Policy. We may suspend or terminate an account that violates these terms or puts the product, other users or its providers at risk, with notice where reasonably possible. You may stop using Countorra at any time.

Countorra's software, design and branding belong to Armin Samanian, doing business as Countorra. These terms do not grant you rights to our trademarks, logos or brand assets.

If you send us feedback or suggestions, we may use them without obligation to you.

Countorra is provided “as is” and “as available”. We do not guarantee uninterrupted availability, and features may change as the product develops. Parts of the product depend on third parties — including your bank, Plaid, Stripe and our hosting and AI providers — whose availability we do not control.

To the maximum extent permitted by law, we are not liable for indirect, incidental or consequential damages, or for decisions made in reliance on data you entered or imported, on tax figures, or on AI-generated content. Nothing in these terms limits liability that cannot be limited by law, including for fraud. Cap on liability: [Cap on liability to users — to be provided before launch].

These terms are governed by the laws of the State of California, United States, without regard to conflict-of-law principles. Dispute resolution: [Dispute resolution (venue, arbitration, class-action terms) — to be provided before launch].

If we make a material change, we will update the date at the top of this page and, where appropriate, tell you directly before it takes effect.

Questions about these terms: support@countorra.com.