These Terms set out the responsibilities, boundaries, and expectations for using Jmoor — written to protect customers, users, partners, and Jmoor alike.
The plain-language version
You review and approve every payroll run and every payment before it goes out.
Jmoor gives you tools, calculations, and alerts — consult professionals for legal, tax, and accounting decisions.
You keep ownership of your business, employee, payroll, and accounting data. Jmoor never claims it.
Clear pricing, clear renewal terms, and reasonable notice before material changes.
This summary is for convenience only and does not replace the full Terms below.
These Terms of Service govern access to and use of Jmoor’s website, software platform, applications, portals, APIs, integrations, products, services, documentation, content, and related offerings.
By accessing or using Jmoor, you agree to these Terms. If you are using Jmoor on behalf of a company, firm, organization, or other legal entity, you confirm that you have authority to bind that entity to these Terms.
Jmoor is an integrated financial operating system designed to help businesses manage payroll, HR, workforce operations, accounting, payments, tax workflows, compliance monitoring, reporting, and related business operations from a unified platform.
Jmoor may support regulated workflows, including payroll remittance, tax preparation support, payment processing, identity verification, AML/KYC screening, and compliance documentation. These services may depend on third-party providers, government systems, payment networks, financial institutions, and customer-provided information.
You may use Jmoor only if you:
To use Jmoor, you may be required to create an account. You agree to:
You are responsible for all activity under your account unless caused by Jmoor’s proven failure to meet its security obligations.
You are responsible for the accuracy, legality, completeness, and timeliness of all information submitted to Jmoor. This includes:
Jmoor may provide automation, validation, alerts, and recommendations, but final responsibility for business, payroll, accounting, tax, compliance, and payment decisions remains with you.
Jmoor provides software, workflow automation, calculations, reports, alerts, and business information tools.
Unless expressly agreed in a separate written professional services agreement, Jmoor does not provide legal, tax, investment, accounting, audit, financial planning, or professional advisory services.
You should consult qualified professionals before making decisions involving:
Where payroll functionality is used, you are responsible for:
Jmoor may calculate payroll based on information provided by you and applicable system rules. You remain responsible for reviewing and approving payroll outputs before submission or payment.
Jmoor may provide tools for tax preparation support, compliance tracking, regulatory reminders, filing workflows, document management, and related calculations. You acknowledge that:
Jmoor’s compliance reminders and alerts are support tools, not a substitute for independent legal, tax, accounting, or regulatory review.
Jmoor may support payment initiation, payment orchestration, bank file generation, EFT, ACH, Interac, card processing, cross-border payouts, FX workflows, virtual cards, trust ledger activity, and other money movement features.
Payment services may be provided by third-party processors, banks, financial institutions, payment networks, open banking providers, or licensed partners.
You are responsible for:
Payments may be delayed, rejected, reversed, frozen, reviewed, or declined due to risk controls, compliance checks, insufficient funds, incorrect information, banking rules, sanctions screening, fraud concerns, or third-party provider requirements.
Where required, Jmoor or its partners may perform identity verification, business verification, beneficial ownership review, sanctions screening, politically exposed person screening, fraud review, and AML/KYC checks.
You agree to provide accurate information and cooperate with reasonable verification requests. Jmoor may suspend, limit, delay, or terminate access to regulated features if:
Fees are described in the applicable order form, subscription plan, invoice, website pricing page, or written agreement.
You agree to pay all applicable fees, taxes, usage charges, add-ons, implementation fees, payment processing fees, and other charges associated with your account.
To support transparent pricing, mandatory charges should be clearly disclosed before purchase. In Canada, the Competition Bureau treats unattainable advertised pricing caused by mandatory fixed additional non-government charges as a false or misleading representation.
Unless otherwise stated in your order form or subscription agreement, paid subscriptions may renew automatically at the end of each billing period. Before enabling recurring billing, Jmoor should clearly disclose:
Automatic renewal rules vary by jurisdiction, and customers may have specific cancellation rights depending on location and customer type. Consumer protection authorities commonly expect cancellation rights and contract terms to be clear, accessible, and provable.
Fees are exclusive of applicable taxes unless stated otherwise.
You are responsible for applicable taxes, including GST/HST, sales tax, VAT, withholding tax, duties, levies, and similar charges, except taxes based on Jmoor’s net income.
If fees are not paid when due, Jmoor may:
Jmoor will use commercially reasonable efforts to avoid disrupting access to essential records — especially payroll, tax, accounting, and compliance records — subject to legal, security, and contractual requirements.
Jmoor may offer trials, previews, pilots, sandbox environments, or beta features. These may be:
You should not rely on beta features for critical payroll, payment, tax, compliance, or accounting obligations unless Jmoor confirms production readiness in writing.
You must not use Jmoor to:
You must maintain reasonable security controls, including:
You must notify Jmoor promptly of any suspected unauthorized access, credential compromise, payment fraud, data breach, or misuse.
You retain ownership of your business data, customer data, employee data, payroll data, accounting records, tax information, and documents submitted to Jmoor.
Jmoor does not claim ownership of customer data.
You grant Jmoor a limited right to process customer data as necessary to:
Jmoor may use aggregated, anonymized, or de-identified data to:
Jmoor will not intentionally use aggregated or de-identified data to identify a specific individual or customer.
Jmoor’s collection, use, disclosure, retention, and protection of personal information is governed by the Jmoor Privacy Policy.
By using Jmoor, you agree to the processing of information as described in the Privacy Policy and applicable data processing agreements.
Read the Privacy PolicyEach party may receive confidential information from the other. Confidential information includes non-public information relating to:
Each party agrees to protect confidential information using reasonable care and to use it only for authorized purposes.
Jmoor and its licensors retain all rights in:
You may not copy, modify, reverse engineer, resell, sublicense, or create derivative works from Jmoor without written permission.
If you provide ideas, suggestions, improvements, or feedback, Jmoor may use them without restriction or compensation, provided we do not disclose your confidential information.
Jmoor may integrate with third-party products and services, including:
Third-party services are governed by their own terms and privacy policies. Jmoor is not responsible for third-party systems, outages, errors, delays, security incidents, or policy changes outside our control.
Jmoor aims to provide reliable service, but does not guarantee uninterrupted or error-free availability. Services may be unavailable due to:
Where practical, Jmoor will provide notice of scheduled maintenance.
Support availability depends on your subscription plan or service agreement. Support may include:
Support does not include professional legal, accounting, tax, audit, or investment advice unless separately agreed in writing.
Jmoor may modify, enhance, remove, or replace features from time to time.
For material changes that negatively affect core paid functionality, Jmoor will use reasonable efforts to provide notice.
Jmoor may suspend access if:
Where practical and lawful, Jmoor will provide notice and an opportunity to resolve the issue.
You may terminate your subscription according to your order form, account settings, or written agreement. Jmoor may terminate services if:
Upon termination, Jmoor may provide a reasonable period for data export unless prohibited by law, security requirements, non-payment restrictions, or third-party limitations.
You are responsible for exporting and retaining records needed for payroll, tax, employment, accounting, audit, and regulatory purposes.
After the applicable retention period, Jmoor may delete, archive, anonymize, or retain data as required by law, contract, or legitimate business need.
Jmoor is provided on an “as is” and “as available” basis except where expressly stated otherwise.
Jmoor does not warrant that:
To the maximum extent permitted by law, Jmoor will not be liable for:
Jmoor’s total liability will be limited to the amount paid by the customer for the affected services during the twelve (12) months before the event giving rise to the claim, unless a different limit is stated in a signed agreement.
You agree to indemnify and hold Jmoor harmless from claims, losses, damages, penalties, costs, and expenses arising from:
Implementation, migration, configuration, training, advisory support, custom development, and managed services may be governed by a separate statement of work.
Unless stated otherwise, professional services are billed separately and may be subject to additional terms.
If you use Jmoor APIs, you agree to:
Jmoor may suspend API access for security, performance, compliance, or misuse reasons.
You agree that Jmoor may communicate electronically through email, platform notifications, account dashboards, support portals, and other digital channels. Electronic communications may include:
These Terms are governed by the laws of the Province of Ontario, Canada, without regard to conflict-of-law principles.
The courts located in Toronto, Ontario, Canada will have exclusive jurisdiction unless otherwise required by applicable law.
Before filing a formal claim, both parties agree to attempt good-faith resolution. A dispute notice should include:
If unresolved, disputes may proceed according to the governing law and jurisdiction section or any arbitration clause included in a signed agreement.
Jmoor will not be liable for delay or failure caused by events beyond reasonable control, including:
Jmoor may update these Terms from time to time. For material changes, Jmoor will provide notice through the website, platform, email, or other reasonable means.
Continued use after changes become effective means you accept the updated Terms.
These Terms, together with the Privacy Policy, Data Processing Agreement, order forms, statements of work, and applicable supplemental terms, form the complete agreement between you and Jmoor regarding the services.
If any provision is found invalid or unenforceable, the remaining provisions will remain in effect.
Failure to enforce any provision does not waive Jmoor’s right to enforce it later.
You may not assign these Terms without Jmoor’s written consent.
Jmoor may assign these Terms in connection with a merger, acquisition, restructuring, financing, or sale of assets.
For legal notices and Terms-related questions, contact the Jmoor Legal Department.
Jmoor Legal Department
Jmoor is built to help businesses manage people, money, accounting, payments, tax, and compliance with confidence. These Terms are designed to protect customers, users, partners, and Jmoor by setting clear responsibilities, boundaries, and expectations.
One System. Every Number. Total Confidence.
Our legal team is happy to help clarify anything before you commit.
