ClaroPro

Legal

Terms of Service

Effective Date: August 5, 2026  ·  Last Updated: August 5, 2026
Spanish version provided as a courtesy translation; English version controls in case of conflict.

Notice: By accessing or using ClaroPro, you agree to these Terms. If you do not agree, please do not use our Services.

1. Acceptance of Terms

Welcome to ClaroPro ("ClaroPro," "we," "us," or "our"), a product of Refugio IO, Inc. These Terms of Service govern your access to and use of the ClaroPro platform, iOS application, and all related services (collectively, the "Services").

By downloading, installing, or using the Services, you confirm that you are at least 18 years old and legally capable of entering into a binding contract, and you agree to be bound by these Terms.

2. Description of Services

ClaroPro provides AI-powered voice-first invoicing tools designed for small business owners and solopreneurs. The Services include:

  • Voice-to-invoice generation using AI
  • Payment link creation and sharing
  • Card and ACH/bank transfer payment collection
  • Deposit collection and payment plan scheduling
  • Automated payment reminders
  • Bilingual (English & Spanish) invoice support

Features may be updated, modified, or discontinued at any time without prior notice.

3. Eligibility & Accounts

  • You must be at least 18 years old and legally capable of entering into a contract.
  • You agree to provide accurate and complete account information.
  • You are responsible for maintaining the confidentiality of your credentials and for all activities that occur under your account.

4. Acceptable Use

You agree not to:

  • Use the Services for unlawful or fraudulent purposes
  • Reverse engineer, copy, or attempt to extract source code
  • Interfere with or disrupt the Services or related infrastructure
  • Use automated systems (bots, scrapers) without written permission
  • Violate any applicable laws or regulations

Violation of these terms may result in immediate suspension or termination of your access.

5. Intellectual Property

All content, software, and materials ("Content") within the Services are owned by Refugio IO, Inc. or its licensors and are protected by applicable intellectual property laws. ClaroPro and ClaroWeb are trademarks of Refugio IO, Inc.

You receive a limited, non-exclusive, non-transferable license to use the Services for your internal business purposes. You may not:

  • Copy, modify, or distribute Content
  • Sell or sublicense access to the Services
  • Use ClaroPro trademarks without written permission

6. User Data & Outputs

You retain ownership of data you submit to the Services ("User Data"). By using the Services, you grant ClaroPro a limited license to process and use your User Data solely to provide and improve the Services.

AI-generated outputs — including voice-dictated invoices and translations — are provided "as-is." You are responsible for reviewing and validating all outputs before sending them to customers or relying on them for business decisions.

7. Payments & Subscriptions

ClaroPro offers the following plans:

  • Starter (Free): No monthly fee. Transaction rates: 3.9% + $0.30 per card payment (2.9% to the card network + 1% to ClaroPro); 1.0% per ACH/bank transfer.
  • Pro ($29/month): Reduced transaction rates: 3.7% + $0.30 per card; 0.75% per ACH.
  • Scale ($99/month): Lowest transaction rates: 3.5% + $0.30 per card; 0.5% per ACH.

Subscription fees are billed monthly as agreed at signup. Fees are non-refundable unless stated otherwise. Pricing may change with prior notice. Non-payment may result in downgrade or suspension of your account.

Payment Processing

Payments collected through ClaroPro are processed by Finix Payments, Inc. and its partner banks. Merchant verification and a Payment Processing Agreement are required to activate payment collection. You authorize ClaroPro to debit your linked bank account for applicable fees, refunds, chargebacks, and returned transfers.

Processing Fee Schedule

The following fees apply based on your plan at the time of each transaction:

Fee Type Rate Plan
Card Processing (Visa / MC / Discover / Amex) 3.90% + $0.30 Starter
ACH / Bank Transfer 1.00% Starter
Card Processing (Visa / MC / Discover / Amex) 3.75% + $0.30 Pro
ACH / Bank Transfer 0.75% Pro
Card Processing (Visa / MC / Discover / Amex) 3.50% + $0.30 Scale
ACH / Bank Transfer 0.50% Scale
Account Updater (keep card on file current) $0.50 per update All Plans
ACH Chargeback / Return Fee $30.00 All Plans
Monthly PCI Non-Compliance Fee (waived with PCI Attestation) $35.00/mo All Plans

Card processing rates include both the card network fee and the ClaroPro platform fee. Fees are subject to change with advance notice. The $0.30 per-transaction fee applies to card payments only.

8. Third-Party Services

The Services may integrate with third-party tools, payment processors, identity verification providers, and infrastructure providers. ClaroPro is not responsible for the content, availability, or practices of third-party services.

9. Disclaimer of Warranties

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND. CLAROPRO MAKES NO WARRANTIES REGARDING:

  • Accuracy or reliability of AI-generated outputs
  • Uninterrupted availability or uptime
  • Fitness for any particular business purpose

Your use of the Services is at your own risk.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, REFUGIO IO, INC. AND CLAROPRO ARE NOT LIABLE FOR:

  • Indirect, incidental, or consequential damages
  • Loss of profits, data, or business opportunities

Our total liability to you for any claim arising under these Terms shall not exceed the amounts you paid to ClaroPro in the 12 months preceding the claim.

11. Indemnification

You agree to defend, indemnify, and hold harmless Refugio IO, Inc., its affiliates, officers, and employees from any claims, damages, or expenses (including reasonable attorney's fees) arising from: (a) your use of the Services; (b) your violation of these Terms; or (c) your infringement of any third-party rights.

12. Termination

ClaroPro may suspend or terminate your access if you violate these Terms or if your account poses a risk to the platform or other users. Upon termination, your right to use the Services ends immediately. Provisions regarding intellectual property, disclaimers, limitations of liability, and indemnification survive termination.

13. Dispute Resolution & Arbitration

Any disputes arising from or relating to these Terms or the Services will be resolved through binding arbitration rather than in court, except where prohibited by applicable law. You waive any right to participate in a class-action lawsuit or class-wide arbitration.

14. Changes to Terms

We may update these Terms periodically. Material changes will be communicated via email or in-app notice. Your continued use of the Services after such notice constitutes acceptance of the updated Terms.

15. General Provisions

  • These Terms constitute the entire agreement between you and ClaroPro regarding the Services.
  • If any provision is found unenforceable, the remaining provisions continue in effect.
  • You may not assign your rights under these Terms without our consent. ClaroPro may assign its rights without restriction.

16. Contact

ClaroPro is a product of Refugio IO, Inc.
Email: hola@claropro.ai
Support: claropro.ai/#support

© 2026 Refugio IO, Inc. All rights reserved.
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