Naxcol Terms of Service

Effective date: September 3, 2026

Owner: Navara Group, Inc. (operating the Naxcol platform)

Website: https://www.naxcol.com

Support contact: support@naxcol.com

1. Acceptance and scope

These Terms of Service (the Terms) form an agreement between Navara Group, Inc., doing business as Naxcol (Naxcol, we, us, or our), and the person or entity that accesses or uses Naxcol’s websites, applications, spend-management platform, transaction-aggregation tools, subscription-intelligence features, virtual-card features, Budget Tracking Suite, or related services (collectively, the Services).
By accessing or using the Services, you agree to these Terms and the Naxcol Privacy Policy. The Naxcol Privacy Policy is a separate document and must also be reviewed and consented to where required.
The Services are offered concurrently to individual consumers in the United States and Canada and to solopreneurs and small businesses with 1–20 people. Naxcol serves both Canadian and American users. Pricing and certain terms may vary by market. United States pricing is stated in United States dollars (USD), and Canadian pricing is stated in Canadian dollars (CAD). Separate country-specific disclosures, card-program terms, or other mandatory provisions may apply.
You must be at least the age of majority in your province, territory, state, or other place of residence, and capable of entering into a binding agreement, to open a Personal account. For a Business account, the individual accepting these Terms represents that they have authority to bind the organization identified during registration (Business Customer).

2. The Services

Naxcol provides a spend-management platform that combines transaction aggregation, subscription intelligence, and issued virtual cards in a single dashboard. The Services may allow you to connect bank and card accounts, automatically detect recurring charges, flag price increases and duplicate tools, and identify opportunities to cancel products or services you no longer need, without requiring you to switch banks or providers.
Depending on your account, plan, eligibility, and applicable third-party arrangements, the Services may also include guided manual cancellation, automated cancellation, virtual cards, team card controls, accounting-software synchronization, role-based administration, and the Budget Tracking Suite.
Naxcol may add, change, suspend, or discontinue a Service or feature. Where reasonably practicable, we will give advance notice of a material change or discontinuance. We may make changes without advance notice where reasonably necessary for security, legal compliance, fraud prevention, a third-party provider requirement, or to prevent harm to users or the Services.

3. Accounts, credentials, and linked accounts

You must provide accurate, current, and complete registration information and keep it current. You are responsible for safeguarding your account credentials and for activity conducted through your account, except to the extent caused by Naxcol’s failure to use reasonable safeguards.
You may connect eligible bank accounts, card accounts, payment accounts, email accounts, merchant accounts, accounting-software accounts, or other data sources (Linked Accounts) through Naxcol or a third-party connection provider. By connecting a Linked Account, you authorize Naxcol and the applicable connection provider to access, retrieve, process, and refresh the information made available by that account, solely as described in these Terms and the Privacy Policy.
You must have the right to connect each Linked Account. Do not provide another person’s login credentials or connect an account without authorization. You may disconnect a Linked Account through the applicable account settings, subject to technical limitations and records we must retain by law or for legitimate business purposes.
Information from Linked Accounts may be delayed, incomplete, unavailable, duplicated, or incorrectly categorized. You must independently verify any transaction, balance, subscription, recurring charge, price-increase flag, duplicate-tool flag, merchant, cancellation status, budget-tracking output, or other information before acting on it. Naxcol does not control financial institutions, merchants, networks, accounting-software providers, or connection providers and does not guarantee uninterrupted access to Linked Accounts.

4. Subscription intelligence and transaction insights

Naxcol may use transaction descriptions, merchant information, recurring-payment patterns, user settings, and other account activity to automatically identify possible subscriptions and recurring charges, flag possible price increases and duplicate tools, and provide insights, reminders, cancellation assistance, budget-tracking outputs, or recommendations.
The Pro and Premium tiers may provide automated cancellation where the feature is available, supported, and successfully completed through applicable merchants, providers, or third-party services. Naxcol does not guarantee that any subscription or recurring charge will be cancelled, that a cancellation request will be accepted or processed, or that a charge will not recur.
Naxcol’s cancellation features do not require you to switch banks or providers. You remain responsible for reviewing and managing your subscriptions, contractual obligations, payment instructions, and disputes directly with the applicable merchant, financial institution, payment network, or card issuer, including any obligations or charges arising before, during, or after a cancellation request.

5. Virtual cards and card-program terms

Virtual cards are available under eligible Pro and Premium Personal plans and eligible Business plans, including through team card controls, where Naxcol offers them, you meet applicable eligibility requirements, and an issuing bank or other authorized program participant approves you. Any virtual card is issued by STRIPE/LITHIC and is subject to the separate cardholder agreement, program terms, fee schedule, privacy notice, and network rules provided by the issuer and/or program manager (Card Program Terms).
The Card Program Terms control in the event of a conflict with these Terms concerning card issuance, use, authorization, settlement, declines, fees, limits, chargebacks, disputes, card suspension, card cancellation, or cardholder rights.
You must use virtual cards only for lawful, authorized business or personal purposes, as applicable, and in accordance with the Card Program Terms. You must promptly report a lost, compromised, or suspected unauthorized virtual card or account to Naxcol and the issuer using the applicable support channels.
Naxcol may restrict, suspend, or terminate access to virtual cards where reasonably necessary for security, fraud prevention, legal or regulatory compliance, breach of these Terms or Card Program Terms, or an instruction from the issuer, network, or program manager.

6. Personal plans, Business plans, and administration

Personal plans. Personal plans are intended for individual consumer use: Base: $5 per month, plus applicable taxes, including account aggregation, subscription detection, and guided manual cancellation; Pro: $15 per month, plus applicable taxes, including Base features, automated cancellation, and virtual cards; Premium: $25 per month, plus applicable taxes, including Pro features and the full Budget Tracking Suite. Prices are stated in USD for the United States market and CAD for the Canadian market, unless a different price is displayed at checkout.
Business plan. The Business plan is intended for solopreneurs and small businesses with 1–20 people and is priced at $25 per authorized seat per month, plus applicable taxes. The plan includes team card controls, accounting-software synchronization, and role-based administration. The Business Customer may purchase the optional Budget Tracking Suite add-on for $10 per seat per month, plus applicable taxes. Prices are stated in USD for the United States market and CAD for the Canadian market, unless a different price is displayed at checkout.
Business Customer administrators may invite, remove, and manage authorized users; configure role-based permissions; manage team card controls; connect Business Customer accounts and accounting-software accounts; and view business information made available through the Services. The Business Customer represents and warrants that it has obtained all necessary authority, notices, and consents to provide personal information and business information to Naxcol and to permit these administrative activities.
Each Personal account and plan is personal to the registered individual. A Business account may be used by its authorized users and is billed based on the number of authorized seats. You may not resell, sublicense, lease, or make the Services available to third parties except as expressly permitted for authorized users of a Business account.

7. Fees, billing, taxes, and cancellation

You authorize Naxcol or its third-party payment processor to charge the payment method you designate for recurring subscription fees, applicable taxes, per-seat Business plan fees, the optional per-seat Budget Tracking Suite add-on, and any fees you separately agree to at checkout or in the Card Program Terms.
Subscription fees are billed in advance on a recurring monthly basis until cancelled. You may cancel your Naxcol subscription through your account settings or by contacting support at support@naxcol.com. Cancellation of a Naxcol plan is separate from cancellation of a third-party subscription through the Services and takes effect at the end of the then-current paid subscription period unless otherwise required by law or stated at the time of purchase.
Except where required by law or expressly stated otherwise, fees are non-refundable. Naxcol may change subscription fees on advance notice. A change will apply no earlier than your next renewal after the notice period stated in the notice.
You are responsible for all applicable sales, use, value-added, goods and services, harmonized sales, provincial sales, and similar taxes, other than taxes based on Naxcol’s net income.

8. Interchange revenue

Subject to applicable law, the Card Program Terms, and arrangements with the relevant issuer and program participants, Naxcol may earn interchange-related revenue on virtual-card transactions, consistent with its arrangements with the applicable issuer and program participants.
This cap is a statement of Naxcol’s commercial revenue policy; it does not create a cardholder rebate, discount, entitlement, or payment obligation, and it does not alter fees, merchant pricing, interchange rules, or other terms imposed by an issuer, payment network, processor, merchant, or applicable law.

9. Permitted use and prohibited conduct

You may use the Services only in accordance with these Terms and applicable law.
You must not: (a) use the Services for illegal, fraudulent, deceptive, abusive, or harmful activity; (b) circumvent usage limits, security controls, or access restrictions; (c) interfere with the Services or another user’s access; (d) reverse engineer, decompile, or attempt to derive source code except to the extent a prohibition is unenforceable by law; (e) use automated means to access the Services except as expressly authorized; (f) upload malware or harmful code; (g) infringe intellectual-property, privacy, or other rights; or (h) use a virtual card in breach of Card Program Terms or applicable network rules.

10. User content and feedback

You retain ownership of information and content that you submit to the Services (User Content). You grant Naxcol a non-exclusive, worldwide, royalty-free licence to host, reproduce, process, transmit, display, and use User Content only as necessary to operate, secure, support, improve, and provide the Services, subject to the Privacy Policy and applicable law.
If you provide suggestions, ideas, or feedback, you grant Naxcol a perpetual, irrevocable, worldwide, royalty-free right to use it without restriction or compensation, provided we do not identify you publicly without your consent.

11. Intellectual property

Naxcol and its licensors retain all right, title, and interest in the Services, including all software, designs, branding, content, and intellectual property. Subject to these Terms, Naxcol grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable right to access and use the Services for their intended purpose.
Naxcol, Navara Group, Inc.’s logos, and other Naxcol marks are owned by Naxcol or its licensors. You may not use them without prior written permission.

12. Third-party services

The Services may rely on or link to third-party services, including financial institutions, account-connection providers, card issuers, program managers, payment processors, payment networks, merchants, analytics providers, and cloud-service providers. Their products, websites, policies, and terms are governed by their own terms and privacy notices.
Naxcol is not responsible for third-party services, except to the extent responsibility cannot lawfully be excluded. Your use of a third-party service may require you to enter into a separate agreement with that provider.

13. Suspension and termination

You may stop using the Services at any time and may delete your account, subject to the retention provisions in the Privacy Policy and any Card Program Terms.
Naxcol may suspend or terminate access to the Services, remove content, or close an account where reasonably necessary to protect users, Naxcol, or third parties; address suspected fraud, security incidents, or illegal conduct; comply with law or a lawful request; enforce these Terms or Card Program Terms; or where an account has been inactive for twelve (12) months after reasonable notice.
On termination, your right to use the Services ends. Sections that by their nature should survive will survive, including sections 7, 8, 10 through 19 and the Privacy Policy to the extent applicable.

14. Disclaimers

To the maximum extent permitted by law, the Services are provided on an “as is” and “as available” basis. Naxcol disclaims all warranties, representations, and conditions, whether express, implied, statutory, or otherwise, including merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, security, and uninterrupted or error-free operation.
Naxcol does not warrant that information, categorization, insights, recommendations, subscription detection, recurring-charge detection, price-increase flags, duplicate-tool flags, transaction data, balances, cancellation assistance, cancellation status or results, budget-tracking outputs, accounting-software synchronization, or other outputs will be complete, accurate, current, uninterrupted, or suitable for your purposes. Nothing in these Terms excludes warranties or conditions that cannot lawfully be excluded.

15. Limitation of liability

To the maximum extent permitted by applicable law, Naxcol and its affiliates, officers, directors, employees, licensors, suppliers, and agents will not be liable for any indirect, incidental, special, exemplary, punitive, or consequential loss or damage, or any loss of profits, revenue, data, goodwill, or business opportunity, arising out of or related to the Services or these Terms, even if advised of the possibility of the loss or damage.
To the maximum extent permitted by applicable law, Naxcol’s aggregate liability arising out of or related to the Services and these Terms will not exceed the greater of: (a) the amount you paid to Naxcol for the Services in the 12 months before the event giving rise to liability; and (b) CAD $100 for Canadian users or USD $100 for United States users.
The limitations in this section do not limit liability that cannot lawfully be limited or excluded, including liability for fraud or wilful misconduct where such limitation is prohibited by law.

16. Indemnity

To the maximum extent permitted by law, you will indemnify and hold harmless Naxcol and its affiliates, officers, directors, employees, licensors, suppliers, and agents from claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from or related to your breach of these Terms or Card Program Terms, misuse of the Services, violation of applicable law, or infringement of another person’s rights. For a Business Customer, this obligation includes the acts and omissions of its authorized users.

17. Changes to these Terms

Naxcol may revise these Terms from time to time. For a material change, we will provide reasonable prior notice by email, in-product notice, posting on our website, or another reasonable method. The revised Terms take effect on the date stated in the notice. If you continue using the Services after that date, you accept the revised Terms, except where applicable law requires another form of consent.

18. Governing law and disputes

For Canadian users, these Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there, without regard to conflict-of-laws principles. Courts located in Toronto, Ontario have exclusive jurisdiction, except that a consumer may bring a claim in another court where applicable consumer-protection law gives the consumer that right.
For users resident in Québec, mandatory provisions of Québec law that apply to consumer contracts are not waived or limited by this section.
For users in the USA, these Terms and any dispute arising out of or relating to the Services or these Terms are governed by the laws of the State of New York, without regard to conflict-of-laws rules. To the extent a dispute is not subject to arbitration, you consent to the exclusive jurisdiction and venue of the state and federal courts located in New York, except where applicable law prohibits that limitation.

19. General

These Terms, the Naxcol Privacy Policy, the Card Program Terms, and any terms presented at checkout or for a specific Service constitute the entire agreement between you and Naxcol relating to the Services, except where a separate written agreement between Naxcol and a Business Customer expressly states otherwise. The Naxcol Privacy Policy remains a separate document and is not incorporated into these Terms as substantive terms.
If any provision is unenforceable, it will be enforced to the maximum extent permitted and the remaining provisions will remain in effect. Naxcol’s failure to enforce a provision is not a waiver. You may not assign these Terms without Naxcol’s prior written consent. Naxcol may assign these Terms in connection with a merger, acquisition, corporate reorganization, or sale of assets.
Notices to Naxcol must be sent to legal@naxcol.com or 276 Elgin Mills Rd W, Richmond Hill, ON L4C 4M2, Canada. Naxcol may provide notices to you through the Services, email, or another reasonable means using the contact information associated with your account.