Terms of Use

Effective as of: 6/14/2025

Welcome to Dott, a service provided by Dott LLC. This Terms of Use Agreement ("Agreement") governs your use of the Dott website, mobile applications, and all related services offered by Dott LLC. By accessing or using our service, you acknowledge that you have read, understood, and agree to be bound by these terms.

1. Acceptance of Terms

By registering for and/or using Dott in any manner, including but not limited to visiting or browsing the website or downloading the application, you agree to be bound by this Agreement, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing Dott. The materials contained in Dott are protected by applicable copyright and trademark law.

2. Description of Service

Dott is a comprehensive financial management platform that provides businesses with tools for accounting, payroll, payment processing, invoicing, and financial insights. Our services include subscription-based access to our software, payment processing capabilities, payroll services, and invoice factoring in select regions. The specific features available to you may depend on your subscription level, geographical location, and applicable laws and regulations.

3. User Accounts

To access most features of Dott, you must register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for safeguarding your password and for all activities that occur under your account. You agree to notify Dott LLC immediately of any unauthorized use of your account. Dott LLC cannot and will not be liable for any loss or damage arising from your failure to comply with the above requirements.

4. Subscription and Payments

Dott offers various subscription plans and payment services. By subscribing to our services, you agree to pay the applicable fees as they become due. Subscription fees are billed in advance on a monthly or annual basis depending on your selected billing cycle. When you register for a paid service, you must provide accurate and complete information for a valid payment method that you are authorized to use.

4.1 Recurring Billing

By subscribing to Dott services, you authorize us to charge the payment method you provide to us on a recurring basis. If we are unable to charge your payment method for any reason, we reserve the right to terminate or suspend your access to the paid services.

4.2 Payment Processing

Dott uses third-party payment processors including Stripe, Flutterwave, DLocal, Wise, PayPal, and others to process transactions. Your use of these payment services is subject to the applicable payment processor's terms of service and privacy policy. Dott charges a transaction fee for payment processing services as outlined in our pricing page.

4.3 Refunds

All fees are non-refundable unless otherwise specified or required by applicable law. If you believe you've been charged in error, please contact our customer support team.

5. User Conduct

You agree to use Dott only for lawful purposes and in accordance with this Agreement. You agree not to use Dott:

• In any way that violates any applicable federal, state, local, or international law or regulation.
• To transmit any material that is unlawful, threatening, abusive, libelous, defamatory, obscene, or otherwise objectionable.
• To impersonate or attempt to impersonate Dott LLC, a Dott LLC employee, another user, or any other person or entity.
• To engage in any activity that interferes with or disrupts the services (or the servers and networks connected to the services).
• To attempt to circumvent any security measures implemented by Dott LLC.
• For money laundering, terrorist financing, or any other illegal financial activities.

6. Payment and Financial Services

Dott enables users to process payments, manage payroll, and access financial services through various third-party providers. When using these services, you agree to comply with all applicable laws and regulations, including those related to financial transactions, anti-money laundering requirements, and data privacy.

6.1 Payment Processing

Use of our payment processing features is subject to the terms of service of our payment partners. You are responsible for ensuring all payment information provided is accurate and that you are authorized to use the payment methods you provide.

6.2 Invoice Factoring

Where available, Dott offers invoice factoring services subject to additional terms and eligibility requirements. These services are currently only available in the United States and Canada. By using our invoice factoring services, you authorize Dott LLC to verify your business information, credit history, and other relevant details.

6.3 International Transactions

For international transactions, you acknowledge that currency conversion rates and additional fees may apply. Dott LLC is not responsible for any fees charged by your financial institution or any third-party payment processors.

7. Data and Content

You retain all rights to your data uploaded to Dott. By using our services, you grant Dott LLC a non-exclusive, worldwide, royalty-free license to use, process, and display your data solely for the purpose of providing and improving our services. We will maintain appropriate administrative, physical, and technical safeguards to protect your data.

7.1 Data Processing

As part of providing our services, Dott processes financial and personal data in accordance with our Privacy Policy. You acknowledge that Dott may use third-party service providers to process data on our behalf.

7.2 Data Security

You are responsible for maintaining the confidentiality of your account information and for restricting access to your computer or device. You agree to accept responsibility for all activities that occur under your account.

8. Intellectual Property

All content and functionality on Dott, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of Dott LLC or its licensors and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. The compilation of all content and any software or other materials on Dott are the exclusive property of Dott LLC and protected by U.S. and international copyright laws.

9. Privacy

Your privacy is important to us. Our Privacy Policy, which is incorporated into this Agreement by reference, explains how we collect, use, and disclose information about you. By using Dott, you consent to the collection and use of information as described in our Privacy Policy.

10. Third-Party Links and Services

Dott may contain links to third-party websites or services that are not owned or controlled by Dott LLC. Dott LLC has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Dott LLC shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

11. Disclaimer of Warranties

DOTT IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, DOTT LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. DOTT LLC DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN DOTT WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT DOTT OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL DOTT LLC, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS OR LICENSORS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES (INCLUDING LOSS OF USE, DATA, BUSINESS, OR PROFITS) ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, WHETHER BASED ON BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR OTHERWISE, EVEN IF DOTT LLC OR ITS REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

12.1 Limitation of Total Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DOTT LLC'S TOTAL LIABILITY TO YOU FOR ANY DAMAGES (REGARDLESS OF THE FOUNDATION FOR THE ACTION) SHALL NOT EXCEED THE AMOUNT YOU HAVE PAID DOTT LLC IN THE PRIOR 12 MONTHS.

13. Indemnification

You agree to indemnify, defend and hold harmless Dott LLC, its affiliates, officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of Dott, including but not limited to any breach by you of the terms of this Agreement or violation of any law, regulation, or third-party rights.

14. Termination

Dott LLC reserves the right to terminate or suspend your account and access to Dott immediately, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach this Agreement. Upon termination, your right to use Dott will immediately cease. All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

14.1 Data After Termination

Upon termination, you may request a copy of your data within 30 days. After this period, we may delete your data in accordance with our data retention policies and applicable laws.

15. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located within Delaware for the resolution of any disputes.

16. Compliance with Laws

You agree to comply with all applicable domestic and international laws, statutes, ordinances, and regulations regarding your use of Dott and any financial transactions conducted through it. Dott LLC reserves the right to investigate and take appropriate legal action against anyone who, in Dott LLC's sole discretion, violates this provision.

17. Changes to Agreement

We reserve the right, at our sole discretion, to modify or replace this Agreement at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use Dott after those revisions become effective, you agree to be bound by the revised Agreement.

18. Entire Agreement

This Agreement, together with our Privacy Policy and any other legal notices and agreements published by Dott LLC, shall constitute the entire agreement between you and Dott LLC concerning Dott.

19. Severability

If any provision of this Agreement is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that this Agreement will otherwise remain in full force and effect and enforceable.

20. Contact Information

If you have any questions about this Agreement, please contact us at: