Terms of Service

These terms govern your use of Snaffle, a service operated by Snaffle Limited, a New Zealand company (“Snaffle”, “we”, “us”). By creating an account or using Snaffle, you agree to these terms. If you’re agreeing on behalf of a business, you confirm you’re authorised to do so.

Snaffle lets you capture receipts and supplier invoices and files them into your Xero accounting software, with AI-assisted coding suggestions, a supplier bank-account check, and optional job/project tagging. Snaffle is a tool that assists your bookkeeping — it does not replace your accountant, bookkeeper, or your own review.

• Snaffle is for business use. You must provide accurate account information and keep your sign-in secure.
• You're responsible for activity under your account, including staff you invite via an invite link.
• You must be authorised to connect any Xero organisation you link to Snaffle.

You remain responsible for your own accounting and tax records. In particular:

• Snaffle's extracted figures and coding suggestions can be wrong — you and your bookkeeper must review transactions in Xero before relying on them or filing returns.
• Always verify a supplier’s bank account independently before paying. Our bank-account check is a helpful warning, not a guarantee. Confirm new or changed account numbers directly with the supplier using contact details you already trust — not details taken from the invoice.
• You must only upload documents and data you have the right to upload, and must not misuse the service or attempt to disrupt it.
• You're responsible for keeping your own records. Snaffle is not a system of record or a backup service — the documents and transactions filed into Xero are your authoritative records.

When you connect Xero, you authorise Snaffle to access and create data in your Xero organisation as described in our Privacy Policy. Your use of Xero is governed by your own agreement with Xero, and changes Xero makes to its API may affect Snaffle’s features. Snaffle also relies on other third-party services (including our AI, hosting, storage and email providers); we’re not responsible for those services’ availability, accuracy, or their own terms. You can disconnect Snaffle from Xero at any time, which revokes our access.

Coding suggestions, data extraction, the learning loop and the bank-account check are automated and provided on an “as is” basis. They are not professional accounting, tax, or financial advice, and may contain errors. You are responsible for any decision you make based on them.

Some plans are paid and others may be offered free during early access. Where fees apply, we’ll make them clear before you’re charged. All fees are exclusive of GST unless stated otherwise; where GST applies we’ll add it and show it on your invoice. We may change our pricing or plans; for an increase to a paid plan, we’ll give you reasonable notice and you may cancel before it takes effect. If a payment is overdue, we may suspend your access after reasonable notice, without removing your obligation to pay outstanding fees.

We work hard to keep Snaffle running but don’t guarantee uninterrupted or error-free service. We may update, add, or remove features, and may carry out maintenance that temporarily affects availability. Some features and plans are offered on an early-access or beta basis — they may change, be withdrawn, or contain defects, and are provided without any service-level commitment.

We own the Snaffle software and brand. You own your data and the documents you upload, and you grant us the limited rights needed to store and process that data to provide the service, as described in our Privacy Policy. If you give us feedback or suggestions, you grant us a perpetual, royalty-free licence to use them. We may use aggregated and de-identified data (which does not identify you, your business, or any individual) to operate and improve the service.

Snaffle is supplied and acquired in trade. You and Snaffle agree that the guarantees and remedies in the Consumer Guarantees Act 1993 do not apply, to the extent permitted by section 43 of that Act. You agree it is fair and reasonable to be bound by this provision, given that Snaffle is a low-cost tool, you acquire it for the purposes of your business, and these terms make clear that you remain responsible for reviewing all data before relying on it. To the extent permitted by section 5D of the Fair Trading Act 1986, the provisions of sections 9, 12A, 13 and 14(1) of that Act are also excluded where you acquire Snaffle for the purposes of a business.

To the maximum extent permitted by law, Snaffle is provided “as is” and we exclude all implied warranties.

You acknowledge that the supplier bank-account check is an automated heuristic that may produce false positives and false negatives, and that Snaffle creates bills and payment transactions in Xero based on data extracted from documents you supply. You are solely responsible for verifying every payee’s bank account independently before making any payment. To the maximum extent permitted by law, Snaffle is not liable for any loss arising from a payment made to an incorrect, fraudulent, or changed bank account, whether or not the bank-account check flagged it.

To the extent permitted by law, we are not liable for indirect or consequential loss, or for loss arising from incorrect coding, extraction, payments, or tax filings, and our total liability to you for any claim is limited to the fees you paid us in the 12 months before the claim. Nothing in these terms limits liability that cannot be limited by law, including liability for fraud, for death or personal injury caused by our negligence, or under any statutory guarantee that cannot lawfully be excluded.

You indemnify us against any claim, loss, or cost we suffer arising from your breach of these terms, your misuse of the service, your infringement of a third party’s rights, or any data you upload that you did not have the right to upload.

You can stop using Snaffle and close your account at any time. We may suspend or terminate access if you breach these terms or use the service unlawfully. On termination, your right to use Snaffle ends and we may delete the capture history held in Snaffle; documents already filed in Xero remain in your Xero organisation.

We are not liable for any failure or delay in performing our obligations caused by events beyond our reasonable control, including outages of third-party services (such as Xero, our AI provider, or our hosting and email providers), internet failures, or acts of God.

These terms, together with our Privacy Policy, are the entire agreement between us and supersede any prior discussions. If any provision is found unenforceable, the rest remain in force and the provision is read down to the minimum extent necessary. A failure to enforce a term is not a waiver of it. You may not assign these terms without our consent; we may assign them to a successor of our business on notice to you. We’ll send notices to the email on your account; you can reach us at support@snaffle.co.nz.

These terms are governed by the laws of New Zealand, and the New Zealand courts have jurisdiction over any dispute. Before starting court proceedings, the parties will try in good faith to resolve any dispute by discussion, escalating to senior representatives. This does not prevent either party from seeking urgent interim relief.

We may update these terms from time to time. We’ll change the “last updated” date above. For changes that materially and adversely affect you, we’ll give at least 14 days’ notice by email or an in-product notice, and if you don’t agree you may close your account before the change takes effect. Continuing to use Snaffle after a change takes effect means you accept the updated terms.

Questions about these terms? Email support@snaffle.co.nz.