Terms & Conditions

Key points

• Loot is a financial management tool for Canadian freelancers. You own your data.
• Your data is stored on servers in the United States (Supabase, Vercel, Stripe). We do not claim Canadian data residency.
• We do not sell your personal information. We do not serve ads.
• You can delete your account and all associated data at any time through your account settings.
• Loot includes gamification features (Streaks, Drops, Haul). These are part of the core service. There is no separate fee or subscription for them.

1. Agreement to terms

By creating a Loot account, you agree to these Terms & Conditions in their entirety, including the Privacy Policy in Section 11. If you do not agree, do not create an account.

You must be at least 18 years old to use Loot. By creating an account, you confirm that you meet this requirement.

2. What Loot is

Loot is a software-as-a-service (SaaS) tool that helps Canadian freelancers track invoices, payments, and client relationships. It includes a gamification layer (Streaks, Drops, and Haul) designed to encourage consistent financial habits.

Loot is not an accounting firm, tax advisor, or financial institution. The information provided in Loot does not constitute financial, legal, or tax advice. You are responsible for your own financial decisions, tax filings, and compliance with applicable laws.

3. Your account

You are responsible for maintaining the security of your account credentials. Do not share your login information with anyone.

You agree to provide accurate information when creating your account and to keep it up to date.

We reserve the right to suspend or terminate accounts that violate these terms, engage in fraudulent activity, or are used in ways that could harm other users or the service.

4. Subscription and billing

Loot offers both free and paid plans. Paid subscriptions are billed monthly through Stripe.

By subscribing to a paid plan, you authorize us to charge the payment method on file through Stripe on a recurring monthly basis until you cancel.

You can manage your subscription (including upgrading, downgrading, or cancelling) through the customer portal accessible from your account settings. Cancellation takes effect at the end of your current billing period.

Pricing is listed in Canadian dollars (CA$). We reserve the right to change pricing with 30 days' notice. Price changes do not apply retroactively to the current billing period.

Refund requests are handled on a case-by-case basis. Contact us at privacy@getloot.ca.

5. Your data and content

You retain ownership of all data you enter into Loot, including client information, invoices, payment records, and quotes.

We do not claim any intellectual property rights over your content. We access your data only to provide the service, improve the product based on aggregated and anonymized patterns, and comply with legal requirements.

You are responsible for the accuracy of the data you enter. Loot does not verify invoice amounts, client details, or payment records.

6. Gamification features

Loot's gamification features (Streaks, Drops, and Haul) are part of the core service. They track your invoicing activity and financial milestones to help build consistent habits. These features are included at every plan tier; there is no separate fee or subscription for them.

Gamification data (streak length, earned drops, monthly haul totals) is derived from your actual usage. It is not editable or transferable.

Streaks reset when a full calendar day passes without a qualifying activity (sending an invoice, sending a quote, or logging a payment). There are no grace periods.

Drops are earned achievements that unlock when you cross specific thresholds. Once earned, drops are permanent and remain in your collection even if your streak resets.

7. Acceptable use

You agree not to:

• Use Loot for any unlawful purpose
• Attempt to access other users' accounts or data
• Reverse-engineer, decompile, or attempt to extract the source code of Loot
• Use automated tools to scrape, crawl, or otherwise extract data from Loot
• Interfere with or disrupt the service or its infrastructure
• Misrepresent your identity or affiliation

8. Service availability

We aim to keep Loot available and reliable, but we do not guarantee uninterrupted service. Downtime may occur for maintenance, infrastructure updates, or circumstances beyond our control.

We are not liable for any loss of data, revenue, or business opportunity arising from service interruptions.

9. Limitation of liability

To the fullest extent permitted by Canadian law, Loot's total liability for any claim arising from your use of the service is limited to the amount you paid for Loot in the 12 months preceding the claim.

Loot is not liable for indirect, incidental, consequential, or punitive damages, including loss of profits, data, or business opportunities.

Loot is a financial tracking tool. It is not a financial institution and does not provide financial, tax, or legal advice. We are not liable for decisions you make based on information displayed in Loot, including invoice amounts, payment calculations, tax figures, or haul summaries.

10. Changes to these terms

We may update these terms from time to time. If we make changes, we will notify you by email or through the Loot application before the changes take effect.

Continued use of Loot after changes take effect constitutes acceptance of the updated terms. If you do not agree with the changes, you may delete your account.

11. Privacy Policy

Our Privacy Policy is part of these Terms & Conditions. It explains what personal information we collect, how we use and protect it, where it is stored, how long we keep it, and your rights under PIPEDA. By agreeing to these terms, you also consent to the collection, use, and disclosure of your personal information as described in the Privacy Policy.

11.1 Payment processing through Stripe Connect

Loot uses Stripe Connect to enable you to accept client payments on invoices you generate. To use this feature, you must connect your own Stripe account to Loot through our service. When you do, Loot acts as a payment platform; you remain the merchant of record on every payment your clients make through a Payment Link issued from your Loot invoice. Your clients' payment card data is collected and processed by Stripe directly on your connected account. Loot does not collect, store, or transmit your clients' payment card information at any point. Loot does not hold or transfer client funds; client payments settle directly into your Stripe account on Stripe's standard schedule. Connecting your Stripe account through Loot is subject to the Stripe Connected Account Agreement, which governs the terms of your relationship with Stripe. You are responsible for compliance with applicable tax, regulatory, and reporting obligations on the payments you receive. Loot is not a financial institution and does not provide financial, tax, or legal advice.

12. Governing law

These terms are governed by the laws of the Province of Newfoundland and Labrador and the federal laws of Canada applicable therein.

13. Contact

Questions about these terms, your account, or your personal information?

Email: privacy@getloot.ca

Mailing address: 14 Eastaff St., St. John's, NL A1E 2J4

You can also contact the Office of the Privacy Commissioner of Canada at priv.gc.ca. Quebec residents may contact the Commission d'accès à l'information du Québec at cai.gouv.qc.ca.