{
 "name": "Invoicing software data terms",
 "title": "Invoicing software data terms",
 "kind": "terms-board",
 "url": "https://sellinvoicedatatoai.com/datasets/invoicing-software-data-terms/",
 "csv": "https://sellinvoicedatatoai.com/datasets/invoicing-software-data-terms.csv",
 "markdown": "https://sellinvoicedatatoai.com/datasets/invoicing-software-data-terms/index.md",
 "computed_at": "2026-10-28",
 "license": "https://sellinvoicedatatoai.com/terms",
 "headline": "13 of 21 invoicing software vendors whose terms we read reserve the right to use their customers' data in aggregated or anonymised form, read 28 October 2026.",
 "quotes": [
  "13 of 21 invoicing software vendors whose terms we read reserve the right to use their customers' data in aggregated or anonymised form, read 28 October 2026.",
  "Who owns the business's data, by vendor: the business 11 of 21, not stated 10 of 21 (invoicing software terms, read 28 October 2026).",
  "Vendor keeps aggregated or anonymised use, by vendor: reserved 13 of 21, not stated 7 of 21, excluded 1 of 21 (invoicing software terms, read 28 October 2026).",
  "Training AI on the business's data, by vendor: not stated 19 of 21, may train 2 of 21 (invoicing software terms, read 28 October 2026).",
  "Export at exit, by vendor: not stated 9 of 21, a number of days 5 of 21, no export promised 5 of 21, on request 2 of 21 (invoicing software terms, read 28 October 2026)."
 ],
 "citation": "\"Invoicing software data terms\", updated 2026-10-28, https://sellinvoicedatatoai.com/datasets/invoicing-software-data-terms/.",
 "national": {
  "n": 21,
  "unit": "vendors",
  "documents": 21,
  "published_sources": 21,
  "named_sources": 21
 },
 "board": {
  "type": "terms",
  "noun": {
   "one": "vendor",
   "many": "vendors"
  },
  "document": {
   "one": "document",
   "many": "documents"
  },
  "fields": [
   {
    "id": "ownership",
    "label": "Who owns the business's data",
    "counts": {
     "customer": 11,
     "not-stated": 10
    },
    "values": [
     {
      "value": "customer",
      "text": "the business"
     },
     {
      "value": "vendor",
      "text": "the vendor"
     }
    ]
   },
   {
    "id": "aggregated_use",
    "label": "Vendor keeps aggregated or anonymised use",
    "counts": {
     "reserved": 13,
     "not-stated": 7,
     "excluded": 1
    },
    "values": [
     {
      "value": "reserved",
      "text": "reserved"
     },
     {
      "value": "excluded",
      "text": "excluded"
     }
    ]
   },
   {
    "id": "ai_training",
    "label": "Training AI on the business's data",
    "counts": {
     "not-stated": 19,
     "may-train": 2
    },
    "values": [
     {
      "value": "may-train",
      "text": "may train"
     },
     {
      "value": "will-not-train",
      "text": "will not train"
     },
     {
      "value": "opt-out",
      "text": "opt-out offered"
     }
    ]
   },
   {
    "id": "export_at_exit",
    "label": "Export at exit",
    "counts": {
     "not-stated": 9,
     "days": 5,
     "none": 5,
     "on-request": 2
    },
    "values": [
     {
      "value": "on-request",
      "text": "on request"
     },
     {
      "value": "none",
      "text": "no export promised"
     },
     {
      "value": "days",
      "text": "a number of days"
     }
    ]
   }
  ],
  "lead": {
   "type": "share",
   "field": "aggregated_use",
   "value": "reserved",
   "n": 13,
   "of": 21,
   "label": "Vendors whose terms reserve aggregated or anonymised use"
  },
  "vendors": [
   {
    "name": "BILL",
    "answers": {
     "ownership": {
      "value": "customer",
      "text": "the business",
      "documents": [
       {
        "document": "BILL Platform General Terms of Service",
        "url": "https://www.bill.com/legal/platform-general-terms-of-service",
        "value": "customer",
        "quote": "Except as otherwise provided in this Agreement, We do not claim ownership of User Data"
       }
      ]
     },
     "aggregated_use": {
      "value": "reserved",
      "text": "reserved",
      "documents": [
       {
        "document": "BILL Platform General Terms of Service",
        "url": "https://www.bill.com/legal/platform-general-terms-of-service",
        "value": "reserved",
        "quote": "You understand that BILL may use aggregated and anonymized data for analytics purposes"
       }
      ]
     },
     "ai_training": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "BILL Platform General Terms of Service",
        "url": "https://www.bill.com/legal/platform-general-terms-of-service",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "export_at_exit": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "BILL Platform General Terms of Service",
        "url": "https://www.bill.com/legal/platform-general-terms-of-service",
        "value": "not-stated",
        "quote": ""
       }
      ]
     }
    }
   },
   {
    "name": "Chargebee",
    "answers": {
     "ownership": {
      "value": "customer",
      "text": "the business",
      "documents": [
       {
        "document": "Chargebee Terms of Service",
        "url": "https://chargebee.com/terms",
        "value": "customer",
        "quote": "You hereby grant Us (i) a limited license to process and disclose Service Data for the purposes of and as permitted under these Terms"
       }
      ]
     },
     "aggregated_use": {
      "value": "reserved",
      "text": "reserved",
      "documents": [
       {
        "document": "Chargebee Terms of Service",
        "url": "https://chargebee.com/terms",
        "value": "reserved",
        "quote": "We, the Affiliates, and the Service Providers may aggregate and analyze technical and other data regarding Customer’s use of the Services"
       }
      ]
     },
     "ai_training": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Chargebee Terms of Service",
        "url": "https://chargebee.com/terms",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "export_at_exit": {
      "value": "120",
      "text": "120 days",
      "documents": [
       {
        "document": "Chargebee Terms of Service",
        "url": "https://chargebee.com/terms",
        "value": "120",
        "quote": "We will retain that Account’s Service Data for one hundred twenty (120) days from such date of termination or expiration"
       }
      ]
     }
    }
   },
   {
    "name": "Chaser",
    "answers": {
     "ownership": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Chaser Terms",
        "url": "https://chaserhq.com/collector-terms",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "aggregated_use": {
      "value": "reserved",
      "text": "reserved",
      "documents": [
       {
        "document": "Chaser Terms",
        "url": "https://chaserhq.com/collector-terms",
        "value": "reserved",
        "quote": "Such use under (b) and (c) may continue during and after the Term and may be in aggregate or de-identified form"
       }
      ]
     },
     "ai_training": {
      "value": "may-train",
      "text": "may train",
      "documents": [
       {
        "document": "Chaser Terms",
        "url": "https://chaserhq.com/collector-terms",
        "value": "may-train",
        "quote": "so that we may: (a) provide the Services to you; (b) train and improve our models"
       }
      ]
     },
     "export_at_exit": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Chaser Terms",
        "url": "https://chaserhq.com/collector-terms",
        "value": "not-stated",
        "quote": ""
       }
      ]
     }
    }
   },
   {
    "name": "Esker on Demand",
    "answers": {
     "ownership": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Esker Terms of Service (US)",
        "url": "https://www.esker.com/terms-service-usa",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "aggregated_use": {
      "value": "reserved",
      "text": "reserved",
      "documents": [
       {
        "document": "Esker Terms of Service (US)",
        "url": "https://www.esker.com/terms-service-usa",
        "value": "reserved",
        "quote": "Esker may collect, use and disclose quantitative data derived from the use of EOD for service improvements, industry analysis, benchmarking, analytics"
       }
      ]
     },
     "ai_training": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Esker Terms of Service (US)",
        "url": "https://www.esker.com/terms-service-usa",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "export_at_exit": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Esker Terms of Service (US)",
        "url": "https://www.esker.com/terms-service-usa",
        "value": "not-stated",
        "quote": ""
       }
      ]
     }
    }
   },
   {
    "name": "Esker TermSync",
    "answers": {
     "ownership": {
      "value": "customer",
      "text": "the business",
      "documents": [
       {
        "document": "Esker TermSync Terms of Service",
        "url": "https://www.esker.com/termsync-terms-service",
        "value": "customer",
        "quote": "You own all rights, title, and interest in and to all Your data and any documents you send to Esker that contain Your data in them"
       }
      ]
     },
     "aggregated_use": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Esker TermSync Terms of Service",
        "url": "https://www.esker.com/termsync-terms-service",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "ai_training": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Esker TermSync Terms of Service",
        "url": "https://www.esker.com/termsync-terms-service",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "export_at_exit": {
      "value": "30",
      "text": "30 days",
      "documents": [
       {
        "document": "Esker TermSync Terms of Service",
        "url": "https://www.esker.com/termsync-terms-service",
        "value": "30",
        "quote": "Upon written request, within thirty days from the termination of these Terms of Service; Your data will be transferred to DVD’s and returned to You for a fee"
       }
      ]
     }
    }
   },
   {
    "name": "FreshBooks",
    "answers": {
     "ownership": {
      "value": "customer",
      "text": "the business",
      "documents": [
       {
        "document": "FreshBooks Terms of Service",
        "url": "https://www.freshbooks.com/policies/terms-of-service",
        "value": "customer",
        "quote": "For clarity, Users retain all ownership rights to User Content"
       }
      ]
     },
     "aggregated_use": {
      "value": "reserved",
      "text": "reserved",
      "documents": [
       {
        "document": "FreshBooks Terms of Service",
        "url": "https://www.freshbooks.com/policies/terms-of-service",
        "value": "reserved",
        "quote": "FreshBooks may use the Aggregated Anonymous Data to improve, support and operate the Services and for any other lawful purpose"
       }
      ]
     },
     "ai_training": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "FreshBooks Terms of Service",
        "url": "https://www.freshbooks.com/policies/terms-of-service",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "export_at_exit": {
      "value": "none",
      "text": "no export promised",
      "documents": [
       {
        "document": "FreshBooks Terms of Service",
        "url": "https://www.freshbooks.com/policies/terms-of-service",
        "value": "none",
        "quote": "we may delete your account at any time, and permanently delete or irreversibly anonymize your User Content, without notice"
       }
      ]
     }
    }
   },
   {
    "name": "Hiveage",
    "answers": {
     "ownership": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Hiveage Terms of Service",
        "url": "https://www.hiveage.com/terms/",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "aggregated_use": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Hiveage Terms of Service",
        "url": "https://www.hiveage.com/terms/",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "ai_training": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Hiveage Terms of Service",
        "url": "https://www.hiveage.com/terms/",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "export_at_exit": {
      "value": "on-request",
      "text": "on request",
      "documents": [
       {
        "document": "Hiveage Terms of Service",
        "url": "https://www.hiveage.com/terms/",
        "value": "on-request",
        "quote": "Where the Service Data is retained and can be exported, Customer may contact Provider within such Data Retention Period to expo"
       }
      ]
     }
    }
   },
   {
    "name": "Invoice Ninja",
    "answers": {
     "ownership": {
      "value": "customer",
      "text": "the business",
      "documents": [
       {
        "document": "Invoice Ninja Terms of Service",
        "url": "https://www.invoiceninja.com/terms/",
        "value": "customer",
        "quote": "The User Account owns all data generated in their invoiceninja.com account"
       }
      ]
     },
     "aggregated_use": {
      "value": "excluded",
      "text": "excluded",
      "documents": [
       {
        "document": "Invoice Ninja Terms of Service",
        "url": "https://www.invoiceninja.com/terms/",
        "value": "excluded",
        "quote": "Invoice Ninja will not access, modify or distribute User Account data"
       }
      ]
     },
     "ai_training": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Invoice Ninja Terms of Service",
        "url": "https://www.invoiceninja.com/terms/",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "export_at_exit": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Invoice Ninja Terms of Service",
        "url": "https://www.invoiceninja.com/terms/",
        "value": "not-stated",
        "quote": ""
       }
      ]
     }
    }
   },
   {
    "name": "Invoice Simple",
    "answers": {
     "ownership": {
      "value": "customer",
      "text": "the business",
      "documents": [
       {
        "document": "Invoice Simple Terms of Service",
        "url": "https://www.invoicesimple.com/terms",
        "value": "customer",
        "quote": "submitted to and stored in the Service that is owned by Customer (“Customer Content”) is owned by Customer"
       }
      ]
     },
     "aggregated_use": {
      "value": "reserved",
      "text": "reserved",
      "documents": [
       {
        "document": "Invoice Simple Terms of Service",
        "url": "https://www.invoicesimple.com/terms",
        "value": "reserved",
        "quote": "Company may use, reproduce, distribute and prepare derivative works from the Customer Content, solely as incorporated into Aggregated Data"
       }
      ]
     },
     "ai_training": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Invoice Simple Terms of Service",
        "url": "https://www.invoicesimple.com/terms",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "export_at_exit": {
      "value": "none",
      "text": "no export promised",
      "documents": [
       {
        "document": "Invoice Simple Terms of Service",
        "url": "https://www.invoicesimple.com/terms",
        "value": "none",
        "quote": "Following expiration or termination of the Agreement or a Customer account, if applicable, Company may deactivate the applicable Customer account(s) and delete any data therein"
       }
      ]
     }
    }
   },
   {
    "name": "Invoice2go",
    "answers": {
     "ownership": {
      "value": "customer",
      "text": "the business",
      "documents": [
       {
        "document": "Invoice2go Terms of Use",
        "url": "https://invoice.2go.com/terms/",
        "value": "customer",
        "quote": "Customer retains all of its rights to any Customer Data that Customer submits to the Product"
       }
      ]
     },
     "aggregated_use": {
      "value": "reserved",
      "text": "reserved",
      "documents": [
       {
        "document": "Invoice2go Terms of Use",
        "url": "https://invoice.2go.com/terms/",
        "value": "reserved",
        "quote": "Invoice2go owns all Aggregate/Anonymous Data and may use and disclose Aggregate/Anonymous Data for its marketing, reporting and other lawful business purposes"
       }
      ]
     },
     "ai_training": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Invoice2go Terms of Use",
        "url": "https://invoice.2go.com/terms/",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "export_at_exit": {
      "value": "none",
      "text": "no export promised",
      "documents": [
       {
        "document": "Invoice2go Terms of Use",
        "url": "https://invoice.2go.com/terms/",
        "value": "none",
        "quote": "Following termination, you will have no further access to any Customer Data in the Product and Invoice2go may delete all Customer Data in its possession"
       }
      ]
     }
    }
   },
   {
    "name": "Invoiced",
    "answers": {
     "ownership": {
      "value": "customer",
      "text": "the business",
      "documents": [
       {
        "document": "Invoiced Terms of Service",
        "url": "https://www.invoiced.com/legal/terms",
        "value": "customer",
        "quote": "All data and logos uploaded by Customer remains the property of Customer, as between Invoiced and Customer"
       }
      ]
     },
     "aggregated_use": {
      "value": "reserved",
      "text": "reserved",
      "documents": [
       {
        "document": "Invoiced Terms of Service",
        "url": "https://www.invoiced.com/legal/terms",
        "value": "reserved",
        "quote": "Invoiced may use non-personally identifiable Customer Data within the Service for purposes of enhancing the Service, aggregated statistical analysis"
       }
      ]
     },
     "ai_training": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Invoiced Terms of Service",
        "url": "https://www.invoiced.com/legal/terms",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "export_at_exit": {
      "value": "90",
      "text": "90 days",
      "documents": [
       {
        "document": "Invoiced Terms of Service",
        "url": "https://www.invoiced.com/legal/terms",
        "value": "90",
        "quote": "Within 90-days after termination, Customer Data will be available as specified in the Invoiced FAQs"
       }
      ]
     }
    }
   },
   {
    "name": "Paddle",
    "answers": {
     "ownership": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Paddle Terms",
        "url": "https://www.paddle.com/legal/terms",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "aggregated_use": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Paddle Terms",
        "url": "https://www.paddle.com/legal/terms",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "ai_training": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Paddle Terms",
        "url": "https://www.paddle.com/legal/terms",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "export_at_exit": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Paddle Terms",
        "url": "https://www.paddle.com/legal/terms",
        "value": "not-stated",
        "quote": ""
       }
      ]
     }
    }
   },
   {
    "name": "PayPal",
    "answers": {
     "ownership": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "PayPal User Agreement (US)",
        "url": "https://www.paypal.com/us/legalhub/paypal/useragreement-full",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "aggregated_use": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "PayPal User Agreement (US)",
        "url": "https://www.paypal.com/us/legalhub/paypal/useragreement-full",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "ai_training": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "PayPal User Agreement (US)",
        "url": "https://www.paypal.com/us/legalhub/paypal/useragreement-full",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "export_at_exit": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "PayPal User Agreement (US)",
        "url": "https://www.paypal.com/us/legalhub/paypal/useragreement-full",
        "value": "not-stated",
        "quote": ""
       }
      ]
     }
    }
   },
   {
    "name": "Paystand",
    "answers": {
     "ownership": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Paystand Terms of Service",
        "url": "https://www.paystand.com/terms-of-service",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "aggregated_use": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Paystand Terms of Service",
        "url": "https://www.paystand.com/terms-of-service",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "ai_training": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Paystand Terms of Service",
        "url": "https://www.paystand.com/terms-of-service",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "export_at_exit": {
      "value": "none",
      "text": "no export promised",
      "documents": [
       {
        "document": "Paystand Terms of Service",
        "url": "https://www.paystand.com/terms-of-service",
        "value": "none",
        "quote": "we reserve the right (but have no obligation) to delete all of your information and Account data stored on our servers"
       }
      ]
     }
    }
   },
   {
    "name": "Recurly",
    "answers": {
     "ownership": {
      "value": "customer",
      "text": "the business",
      "documents": [
       {
        "document": "Recurly Starter Plan Terms of Service",
        "url": "https://www.recurly.com/legal/terms/",
        "value": "customer",
        "quote": "Recurly does not own the Customer Data. Merchant, not Recurly, will have sole responsibility for the accuracy, quality, integrity, legality and intellectual property ownership of all Customer Data"
       }
      ]
     },
     "aggregated_use": {
      "value": "reserved",
      "text": "reserved",
      "documents": [
       {
        "document": "Recurly Starter Plan Terms of Service",
        "url": "https://www.recurly.com/legal/terms/",
        "value": "reserved",
        "quote": "Recurly may (i) internally use (but not disclose) information and data collected by Recurly regarding Merchant’s use of the Service to create Aggregated Anonymous Data"
       }
      ]
     },
     "ai_training": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Recurly Starter Plan Terms of Service",
        "url": "https://www.recurly.com/legal/terms/",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "export_at_exit": {
      "value": "30",
      "text": "30 days",
      "documents": [
       {
        "document": "Recurly Starter Plan Terms of Service",
        "url": "https://www.recurly.com/legal/terms/",
        "value": "30",
        "quote": "Recurly will retain a copy of Merchant’s billing data for a period of thirty (30) days"
       }
      ]
     }
    }
   },
   {
    "name": "Sage AR Automation",
    "answers": {
     "ownership": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Sage AR Automation Customer Terms (US)",
        "url": "https://www.sage.com/en-us/legal/terms/sage-ar-automation-tos/customer/",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "aggregated_use": {
      "value": "reserved",
      "text": "reserved",
      "documents": [
       {
        "document": "Sage AR Automation Customer Terms (US)",
        "url": "https://www.sage.com/en-us/legal/terms/sage-ar-automation-tos/customer/",
        "value": "reserved",
        "quote": "any external disclosure or use of Usage Data by Sage will be in an aggregated form that does not identify or otherwise permit the identification of you"
       }
      ]
     },
     "ai_training": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Sage AR Automation Customer Terms (US)",
        "url": "https://www.sage.com/en-us/legal/terms/sage-ar-automation-tos/customer/",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "export_at_exit": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Sage AR Automation Customer Terms (US)",
        "url": "https://www.sage.com/en-us/legal/terms/sage-ar-automation-tos/customer/",
        "value": "not-stated",
        "quote": ""
       }
      ]
     }
    }
   },
   {
    "name": "Square",
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     "ownership": {
      "value": "customer",
      "text": "the business",
      "documents": [
       {
        "document": "Square General Terms of Service (US)",
        "url": "https://squareup.com/us/en/legal/general/ua",
        "value": "customer",
        "quote": "You retain all rights to your content when you upload it into our Services"
       }
      ]
     },
     "aggregated_use": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Square General Terms of Service (US)",
        "url": "https://squareup.com/us/en/legal/general/ua",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "ai_training": {
      "value": "may-train",
      "text": "may train",
      "documents": [
       {
        "document": "Square General Terms of Service (US)",
        "url": "https://squareup.com/us/en/legal/general/ua",
        "value": "may-train",
        "quote": "including developing, training, testing, evaluating, and improving products, services, technologies, and models"
       }
      ]
     },
     "export_at_exit": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Square General Terms of Service (US)",
        "url": "https://squareup.com/us/en/legal/general/ua",
        "value": "not-stated",
        "quote": ""
       }
      ]
     }
    }
   },
   {
    "name": "Stripe",
    "answers": {
     "ownership": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Stripe Services Agreement",
        "url": "https://stripe.com/legal/ssa",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "aggregated_use": {
      "value": "reserved",
      "text": "reserved",
      "documents": [
       {
        "document": "Stripe Services Agreement",
        "url": "https://stripe.com/legal/ssa",
        "value": "reserved",
        "quote": "information Stripe uses for security or fraud prevention; and (c) all aggregated information Stripe generates"
       }
      ]
     },
     "ai_training": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Stripe Services Agreement",
        "url": "https://stripe.com/legal/ssa",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "export_at_exit": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Stripe Services Agreement",
        "url": "https://stripe.com/legal/ssa",
        "value": "not-stated",
        "quote": ""
       }
      ]
     }
    }
   },
   {
    "name": "Tipalti",
    "answers": {
     "ownership": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Tipalti Software Services Agreement (UK)",
        "url": "https://tipalti.com/en-uk/legal/ssa/",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "aggregated_use": {
      "value": "reserved",
      "text": "reserved",
      "documents": [
       {
        "document": "Tipalti Software Services Agreement (UK)",
        "url": "https://tipalti.com/en-uk/legal/ssa/",
        "value": "reserved",
        "quote": "Tipalti may generate, use, and disclose aggregated or anonymized Customer Data for Tipalti’s own business purposes"
       }
      ]
     },
     "ai_training": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Tipalti Software Services Agreement (UK)",
        "url": "https://tipalti.com/en-uk/legal/ssa/",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "export_at_exit": {
      "value": "on-request",
      "text": "on request",
      "documents": [
       {
        "document": "Tipalti Software Services Agreement (UK)",
        "url": "https://tipalti.com/en-uk/legal/ssa/",
        "value": "on-request",
        "quote": "During the Term, Customer may download a copy of their data directly from the Services"
       }
      ]
     }
    }
   },
   {
    "name": "Versapay",
    "answers": {
     "ownership": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Versapay ARC Terms of Service",
        "url": "https://www.versapay.com/arc-oracle-terms-of-service",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "aggregated_use": {
      "value": "reserved",
      "text": "reserved",
      "documents": [
       {
        "document": "Versapay ARC Terms of Service",
        "url": "https://www.versapay.com/arc-oracle-terms-of-service",
        "value": "reserved",
        "quote": "license to use Company Data and associated output in a form that is sufficiently de-identified and aggregated so as not to be attributable to the Company"
       }
      ]
     },
     "ai_training": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Versapay ARC Terms of Service",
        "url": "https://www.versapay.com/arc-oracle-terms-of-service",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "export_at_exit": {
      "value": "30",
      "text": "30 days",
      "documents": [
       {
        "document": "Versapay ARC Terms of Service",
        "url": "https://www.versapay.com/arc-oracle-terms-of-service",
        "value": "30",
        "quote": "such requests being made no later than 30 days after the date of termination of this Agreement, Versapay will enable Company to export or download Company Data"
       }
      ]
     }
    }
   },
   {
    "name": "Wave",
    "answers": {
     "ownership": {
      "value": "customer",
      "text": "the business",
      "documents": [
       {
        "document": "Wave Terms of Use",
        "url": "https://www.waveapps.com/legal/terms-of-use",
        "value": "customer",
        "quote": "You own all of your business’s private data, content and all information which you enter and use in connection with the Services"
       }
      ]
     },
     "aggregated_use": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Wave Terms of Use",
        "url": "https://www.waveapps.com/legal/terms-of-use",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "ai_training": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Wave Terms of Use",
        "url": "https://www.waveapps.com/legal/terms-of-use",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "export_at_exit": {
      "value": "none",
      "text": "no export promised",
      "documents": [
       {
        "document": "Wave Terms of Use",
        "url": "https://www.waveapps.com/legal/terms-of-use",
        "value": "none",
        "quote": "That Wave will not be liable to you or any third party for termination of access to the Service, deletion of your information or data, or export of your information or data"
       }
      ]
     }
    }
   }
  ]
 },
 "subject_kind": "vendor",
 "rows": [
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   "document": "BILL Platform General Terms of Service",
   "question": "ownership",
   "answer": "customer",
   "answer_text": "the business",
   "status": "stated",
   "retrieved_at": "2026-10-08",
   "quote": "Except as otherwise provided in this Agreement, We do not claim ownership of User Data",
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  {
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   "document": "BILL Platform General Terms of Service",
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   "answer": "reserved",
   "answer_text": "reserved",
   "status": "stated",
   "retrieved_at": "2026-10-08",
   "quote": "You understand that BILL may use aggregated and anonymized data for analytics purposes",
   "text_sha256": "4029566ec5ee46cf9d97c63fc27e3c208ee99d7df06e2561f3393a8452a8ffd3"
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  {
   "subject": "BILL",
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   "document": "BILL Platform General Terms of Service",
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   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-08",
   "quote": "Nothing on this document answers it (72,315 characters of document text, read 2026-10-08).",
   "text_sha256": "4029566ec5ee46cf9d97c63fc27e3c208ee99d7df06e2561f3393a8452a8ffd3"
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  {
   "subject": "BILL",
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   "document": "BILL Platform General Terms of Service",
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   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-08",
   "quote": "Nothing on this document answers it (72,315 characters of document text, read 2026-10-08).",
   "text_sha256": "4029566ec5ee46cf9d97c63fc27e3c208ee99d7df06e2561f3393a8452a8ffd3"
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  {
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   "document": "Chargebee Terms of Service",
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   "answer": "customer",
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   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "You hereby grant Us (i) a limited license to process and disclose Service Data for the purposes of and as permitted under these Terms",
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   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "We, the Affiliates, and the Service Providers may aggregate and analyze technical and other data regarding Customer’s use of the Services",
   "text_sha256": "d07b73391eec8493ca464521daa627d063f08bf2895a6d55f6d93b5ceec964ca"
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   "answer_text": "not stated",
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   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (54,945 characters of document text, read 2026-10-28).",
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  {
   "subject": "Chargebee",
   "url": "https://chargebee.com/terms",
   "document": "Chargebee Terms of Service",
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   "answer": "120",
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   "retrieved_at": "2026-10-28",
   "quote": "We will retain that Account’s Service Data for one hundred twenty (120) days from such date of termination or expiration",
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  {
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   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (80,154 characters of document text, read 2026-10-28).",
   "text_sha256": "4e9d0832bb48e6613161cf26aa0aeedf20ede0795b0d811f57e9de40226307d5"
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   "quote": "Such use under (b) and (c) may continue during and after the Term and may be in aggregate or de-identified form",
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   "quote": "so that we may: (a) provide the Services to you; (b) train and improve our models",
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   "quote": "Nothing on this document answers it (80,154 characters of document text, read 2026-10-28).",
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   "quote": "Nothing on this document answers it (74,296 characters of document text, read 2026-10-27).",
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   "quote": "Esker may collect, use and disclose quantitative data derived from the use of EOD for service improvements, industry analysis, benchmarking, analytics",
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   "quote": "For clarity, Users retain all ownership rights to User Content",
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   "quote": "FreshBooks may use the Aggregated Anonymous Data to improve, support and operate the Services and for any other lawful purpose",
   "text_sha256": "e30f49f68e2fcdaa1baabda3516ded364648a74755e2c2a362bc08e5d3464293"
  },
  {
   "subject": "FreshBooks",
   "url": "https://www.freshbooks.com/policies/terms-of-service",
   "document": "FreshBooks Terms of Service",
   "question": "ai_training",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-08",
   "quote": "Nothing on this document answers it (59,139 characters of document text, read 2026-10-08).",
   "text_sha256": "e30f49f68e2fcdaa1baabda3516ded364648a74755e2c2a362bc08e5d3464293"
  },
  {
   "subject": "FreshBooks",
   "url": "https://www.freshbooks.com/policies/terms-of-service",
   "document": "FreshBooks Terms of Service",
   "question": "export_at_exit",
   "answer": "none",
   "answer_text": "no export promised",
   "status": "stated",
   "retrieved_at": "2026-10-08",
   "quote": "we may delete your account at any time, and permanently delete or irreversibly anonymize your User Content, without notice",
   "text_sha256": "e30f49f68e2fcdaa1baabda3516ded364648a74755e2c2a362bc08e5d3464293"
  },
  {
   "subject": "Hiveage",
   "url": "https://www.hiveage.com/terms/",
   "document": "Hiveage Terms of Service",
   "question": "ownership",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (41,007 characters of document text, read 2026-10-28).",
   "text_sha256": "715062d2c3af580736104733b62aa711330c8920fa1624b9d9ae46737f784f64"
  },
  {
   "subject": "Hiveage",
   "url": "https://www.hiveage.com/terms/",
   "document": "Hiveage Terms of Service",
   "question": "aggregated_use",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (41,007 characters of document text, read 2026-10-28).",
   "text_sha256": "715062d2c3af580736104733b62aa711330c8920fa1624b9d9ae46737f784f64"
  },
  {
   "subject": "Hiveage",
   "url": "https://www.hiveage.com/terms/",
   "document": "Hiveage Terms of Service",
   "question": "ai_training",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (41,007 characters of document text, read 2026-10-28).",
   "text_sha256": "715062d2c3af580736104733b62aa711330c8920fa1624b9d9ae46737f784f64"
  },
  {
   "subject": "Hiveage",
   "url": "https://www.hiveage.com/terms/",
   "document": "Hiveage Terms of Service",
   "question": "export_at_exit",
   "answer": "on-request",
   "answer_text": "on request",
   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "Where the Service Data is retained and can be exported, Customer may contact Provider within such Data Retention Period to expo",
   "text_sha256": "715062d2c3af580736104733b62aa711330c8920fa1624b9d9ae46737f784f64"
  },
  {
   "subject": "Invoice Ninja",
   "url": "https://www.invoiceninja.com/terms/",
   "document": "Invoice Ninja Terms of Service",
   "question": "ownership",
   "answer": "customer",
   "answer_text": "the business",
   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "The User Account owns all data generated in their invoiceninja.com account",
   "text_sha256": "b95a0df7b844defba73a1f96352c2bb52c9a08a21ece0f57c99c29e5d421974a"
  },
  {
   "subject": "Invoice Ninja",
   "url": "https://www.invoiceninja.com/terms/",
   "document": "Invoice Ninja Terms of Service",
   "question": "aggregated_use",
   "answer": "excluded",
   "answer_text": "excluded",
   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "Invoice Ninja will not access, modify or distribute User Account data",
   "text_sha256": "b95a0df7b844defba73a1f96352c2bb52c9a08a21ece0f57c99c29e5d421974a"
  },
  {
   "subject": "Invoice Ninja",
   "url": "https://www.invoiceninja.com/terms/",
   "document": "Invoice Ninja Terms of Service",
   "question": "ai_training",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (10,863 characters of document text, read 2026-10-28).",
   "text_sha256": "b95a0df7b844defba73a1f96352c2bb52c9a08a21ece0f57c99c29e5d421974a"
  },
  {
   "subject": "Invoice Ninja",
   "url": "https://www.invoiceninja.com/terms/",
   "document": "Invoice Ninja Terms of Service",
   "question": "export_at_exit",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (10,863 characters of document text, read 2026-10-28).",
   "text_sha256": "b95a0df7b844defba73a1f96352c2bb52c9a08a21ece0f57c99c29e5d421974a"
  },
  {
   "subject": "Invoice Simple",
   "url": "https://www.invoicesimple.com/terms",
   "document": "Invoice Simple Terms of Service",
   "question": "ownership",
   "answer": "customer",
   "answer_text": "the business",
   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "submitted to and stored in the Service that is owned by Customer (“Customer Content”) is owned by Customer",
   "text_sha256": "7a1f87dcfaeec943b1626df16e1feeed0b729f32028fa99a11b78fbf2428fb94"
  },
  {
   "subject": "Invoice Simple",
   "url": "https://www.invoicesimple.com/terms",
   "document": "Invoice Simple Terms of Service",
   "question": "aggregated_use",
   "answer": "reserved",
   "answer_text": "reserved",
   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "Company may use, reproduce, distribute and prepare derivative works from the Customer Content, solely as incorporated into Aggregated Data",
   "text_sha256": "7a1f87dcfaeec943b1626df16e1feeed0b729f32028fa99a11b78fbf2428fb94"
  },
  {
   "subject": "Invoice Simple",
   "url": "https://www.invoicesimple.com/terms",
   "document": "Invoice Simple Terms of Service",
   "question": "ai_training",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (40,864 characters of document text, read 2026-10-28).",
   "text_sha256": "7a1f87dcfaeec943b1626df16e1feeed0b729f32028fa99a11b78fbf2428fb94"
  },
  {
   "subject": "Invoice Simple",
   "url": "https://www.invoicesimple.com/terms",
   "document": "Invoice Simple Terms of Service",
   "question": "export_at_exit",
   "answer": "none",
   "answer_text": "no export promised",
   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "Following expiration or termination of the Agreement or a Customer account, if applicable, Company may deactivate the applicable Customer account(s) and delete any data therein",
   "text_sha256": "7a1f87dcfaeec943b1626df16e1feeed0b729f32028fa99a11b78fbf2428fb94"
  },
  {
   "subject": "Invoice2go",
   "url": "https://invoice.2go.com/terms/",
   "document": "Invoice2go Terms of Use",
   "question": "ownership",
   "answer": "customer",
   "answer_text": "the business",
   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "Customer retains all of its rights to any Customer Data that Customer submits to the Product",
   "text_sha256": "7a1830059868f638c9c84b2f2a20d3d01b7a9afdf1415b49e233a4c5131998ef"
  },
  {
   "subject": "Invoice2go",
   "url": "https://invoice.2go.com/terms/",
   "document": "Invoice2go Terms of Use",
   "question": "aggregated_use",
   "answer": "reserved",
   "answer_text": "reserved",
   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "Invoice2go owns all Aggregate/Anonymous Data and may use and disclose Aggregate/Anonymous Data for its marketing, reporting and other lawful business purposes",
   "text_sha256": "7a1830059868f638c9c84b2f2a20d3d01b7a9afdf1415b49e233a4c5131998ef"
  },
  {
   "subject": "Invoice2go",
   "url": "https://invoice.2go.com/terms/",
   "document": "Invoice2go Terms of Use",
   "question": "ai_training",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (66,962 characters of document text, read 2026-10-28).",
   "text_sha256": "7a1830059868f638c9c84b2f2a20d3d01b7a9afdf1415b49e233a4c5131998ef"
  },
  {
   "subject": "Invoice2go",
   "url": "https://invoice.2go.com/terms/",
   "document": "Invoice2go Terms of Use",
   "question": "export_at_exit",
   "answer": "none",
   "answer_text": "no export promised",
   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "Following termination, you will have no further access to any Customer Data in the Product and Invoice2go may delete all Customer Data in its possession",
   "text_sha256": "7a1830059868f638c9c84b2f2a20d3d01b7a9afdf1415b49e233a4c5131998ef"
  },
  {
   "subject": "Invoiced",
   "url": "https://www.invoiced.com/legal/terms",
   "document": "Invoiced Terms of Service",
   "question": "ownership",
   "answer": "customer",
   "answer_text": "the business",
   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "All data and logos uploaded by Customer remains the property of Customer, as between Invoiced and Customer",
   "text_sha256": "a804002924cbf278dd42a5b71ece909eb0691c372c0761c1d08e801fec2af908"
  },
  {
   "subject": "Invoiced",
   "url": "https://www.invoiced.com/legal/terms",
   "document": "Invoiced Terms of Service",
   "question": "aggregated_use",
   "answer": "reserved",
   "answer_text": "reserved",
   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "Invoiced may use non-personally identifiable Customer Data within the Service for purposes of enhancing the Service, aggregated statistical analysis",
   "text_sha256": "a804002924cbf278dd42a5b71ece909eb0691c372c0761c1d08e801fec2af908"
  },
  {
   "subject": "Invoiced",
   "url": "https://www.invoiced.com/legal/terms",
   "document": "Invoiced Terms of Service",
   "question": "ai_training",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (16,587 characters of document text, read 2026-10-28).",
   "text_sha256": "a804002924cbf278dd42a5b71ece909eb0691c372c0761c1d08e801fec2af908"
  },
  {
   "subject": "Invoiced",
   "url": "https://www.invoiced.com/legal/terms",
   "document": "Invoiced Terms of Service",
   "question": "export_at_exit",
   "answer": "90",
   "answer_text": "90 days",
   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "Within 90-days after termination, Customer Data will be available as specified in the Invoiced FAQs",
   "text_sha256": "a804002924cbf278dd42a5b71ece909eb0691c372c0761c1d08e801fec2af908"
  },
  {
   "subject": "Paddle",
   "url": "https://www.paddle.com/legal/terms",
   "document": "Paddle Terms",
   "question": "ownership",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (52,336 characters of document text, read 2026-10-28).",
   "text_sha256": "5f40d80c3d4985ce6dce2d1cdae5123b1f1ba4e1e980e5cf9168341c0b195937"
  },
  {
   "subject": "Paddle",
   "url": "https://www.paddle.com/legal/terms",
   "document": "Paddle Terms",
   "question": "aggregated_use",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (52,336 characters of document text, read 2026-10-28).",
   "text_sha256": "5f40d80c3d4985ce6dce2d1cdae5123b1f1ba4e1e980e5cf9168341c0b195937"
  },
  {
   "subject": "Paddle",
   "url": "https://www.paddle.com/legal/terms",
   "document": "Paddle Terms",
   "question": "ai_training",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (52,336 characters of document text, read 2026-10-28).",
   "text_sha256": "5f40d80c3d4985ce6dce2d1cdae5123b1f1ba4e1e980e5cf9168341c0b195937"
  },
  {
   "subject": "Paddle",
   "url": "https://www.paddle.com/legal/terms",
   "document": "Paddle Terms",
   "question": "export_at_exit",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (52,336 characters of document text, read 2026-10-28).",
   "text_sha256": "5f40d80c3d4985ce6dce2d1cdae5123b1f1ba4e1e980e5cf9168341c0b195937"
  },
  {
   "subject": "PayPal",
   "url": "https://www.paypal.com/us/legalhub/paypal/useragreement-full",
   "document": "PayPal User Agreement (US)",
   "question": "ownership",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (173,353 characters of document text, read 2026-10-28).",
   "text_sha256": "b4fc0c9c0bbbbd4b8d5bc3361534ba1944abdd2dd47f93e6161bb167ce921397"
  },
  {
   "subject": "PayPal",
   "url": "https://www.paypal.com/us/legalhub/paypal/useragreement-full",
   "document": "PayPal User Agreement (US)",
   "question": "aggregated_use",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (173,353 characters of document text, read 2026-10-28).",
   "text_sha256": "b4fc0c9c0bbbbd4b8d5bc3361534ba1944abdd2dd47f93e6161bb167ce921397"
  },
  {
   "subject": "PayPal",
   "url": "https://www.paypal.com/us/legalhub/paypal/useragreement-full",
   "document": "PayPal User Agreement (US)",
   "question": "ai_training",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (173,353 characters of document text, read 2026-10-28).",
   "text_sha256": "b4fc0c9c0bbbbd4b8d5bc3361534ba1944abdd2dd47f93e6161bb167ce921397"
  },
  {
   "subject": "PayPal",
   "url": "https://www.paypal.com/us/legalhub/paypal/useragreement-full",
   "document": "PayPal User Agreement (US)",
   "question": "export_at_exit",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (173,353 characters of document text, read 2026-10-28).",
   "text_sha256": "b4fc0c9c0bbbbd4b8d5bc3361534ba1944abdd2dd47f93e6161bb167ce921397"
  },
  {
   "subject": "Paystand",
   "url": "https://www.paystand.com/terms-of-service",
   "document": "Paystand Terms of Service",
   "question": "ownership",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (79,138 characters of document text, read 2026-10-28).",
   "text_sha256": "868af7fd2ea06ac4df66d5f7f50de437e984590ff2bc23288d900243f563a8be"
  },
  {
   "subject": "Paystand",
   "url": "https://www.paystand.com/terms-of-service",
   "document": "Paystand Terms of Service",
   "question": "aggregated_use",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (79,138 characters of document text, read 2026-10-28).",
   "text_sha256": "868af7fd2ea06ac4df66d5f7f50de437e984590ff2bc23288d900243f563a8be"
  },
  {
   "subject": "Paystand",
   "url": "https://www.paystand.com/terms-of-service",
   "document": "Paystand Terms of Service",
   "question": "ai_training",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (79,138 characters of document text, read 2026-10-28).",
   "text_sha256": "868af7fd2ea06ac4df66d5f7f50de437e984590ff2bc23288d900243f563a8be"
  },
  {
   "subject": "Paystand",
   "url": "https://www.paystand.com/terms-of-service",
   "document": "Paystand Terms of Service",
   "question": "export_at_exit",
   "answer": "none",
   "answer_text": "no export promised",
   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "we reserve the right (but have no obligation) to delete all of your information and Account data stored on our servers",
   "text_sha256": "868af7fd2ea06ac4df66d5f7f50de437e984590ff2bc23288d900243f563a8be"
  },
  {
   "subject": "Recurly",
   "url": "https://www.recurly.com/legal/terms/",
   "document": "Recurly Starter Plan Terms of Service",
   "question": "ownership",
   "answer": "customer",
   "answer_text": "the business",
   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "Recurly does not own the Customer Data. Merchant, not Recurly, will have sole responsibility for the accuracy, quality, integrity, legality and intellectual property ownership of all Customer Data",
   "text_sha256": "0ca76de368879ebca3b7699e7bfb5d7119609bfe66c4732e3e2312f7c2bc4885"
  },
  {
   "subject": "Recurly",
   "url": "https://www.recurly.com/legal/terms/",
   "document": "Recurly Starter Plan Terms of Service",
   "question": "aggregated_use",
   "answer": "reserved",
   "answer_text": "reserved",
   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "Recurly may (i) internally use (but not disclose) information and data collected by Recurly regarding Merchant’s use of the Service to create Aggregated Anonymous Data",
   "text_sha256": "0ca76de368879ebca3b7699e7bfb5d7119609bfe66c4732e3e2312f7c2bc4885"
  },
  {
   "subject": "Recurly",
   "url": "https://www.recurly.com/legal/terms/",
   "document": "Recurly Starter Plan Terms of Service",
   "question": "ai_training",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (39,932 characters of document text, read 2026-10-28).",
   "text_sha256": "0ca76de368879ebca3b7699e7bfb5d7119609bfe66c4732e3e2312f7c2bc4885"
  },
  {
   "subject": "Recurly",
   "url": "https://www.recurly.com/legal/terms/",
   "document": "Recurly Starter Plan Terms of Service",
   "question": "export_at_exit",
   "answer": "30",
   "answer_text": "30 days",
   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "Recurly will retain a copy of Merchant’s billing data for a period of thirty (30) days",
   "text_sha256": "0ca76de368879ebca3b7699e7bfb5d7119609bfe66c4732e3e2312f7c2bc4885"
  },
  {
   "subject": "Sage AR Automation",
   "url": "https://www.sage.com/en-us/legal/terms/sage-ar-automation-tos/customer/",
   "document": "Sage AR Automation Customer Terms (US)",
   "question": "ownership",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-08",
   "quote": "Nothing on this document answers it (68,166 characters of document text, read 2026-10-08).",
   "text_sha256": "bbc7ceb5b529463e8e24c76fd8283c3c351c16180b6c8da282108dc8bbe2d923"
  },
  {
   "subject": "Sage AR Automation",
   "url": "https://www.sage.com/en-us/legal/terms/sage-ar-automation-tos/customer/",
   "document": "Sage AR Automation Customer Terms (US)",
   "question": "aggregated_use",
   "answer": "reserved",
   "answer_text": "reserved",
   "status": "stated",
   "retrieved_at": "2026-10-08",
   "quote": "any external disclosure or use of Usage Data by Sage will be in an aggregated form that does not identify or otherwise permit the identification of you",
   "text_sha256": "bbc7ceb5b529463e8e24c76fd8283c3c351c16180b6c8da282108dc8bbe2d923"
  },
  {
   "subject": "Sage AR Automation",
   "url": "https://www.sage.com/en-us/legal/terms/sage-ar-automation-tos/customer/",
   "document": "Sage AR Automation Customer Terms (US)",
   "question": "ai_training",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-08",
   "quote": "Nothing on this document answers it (68,166 characters of document text, read 2026-10-08).",
   "text_sha256": "bbc7ceb5b529463e8e24c76fd8283c3c351c16180b6c8da282108dc8bbe2d923"
  },
  {
   "subject": "Sage AR Automation",
   "url": "https://www.sage.com/en-us/legal/terms/sage-ar-automation-tos/customer/",
   "document": "Sage AR Automation Customer Terms (US)",
   "question": "export_at_exit",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-08",
   "quote": "Nothing on this document answers it (68,166 characters of document text, read 2026-10-08).",
   "text_sha256": "bbc7ceb5b529463e8e24c76fd8283c3c351c16180b6c8da282108dc8bbe2d923"
  },
  {
   "subject": "Square",
   "url": "https://squareup.com/us/en/legal/general/ua",
   "document": "Square General Terms of Service (US)",
   "question": "ownership",
   "answer": "customer",
   "answer_text": "the business",
   "status": "stated",
   "retrieved_at": "2026-10-08",
   "quote": "You retain all rights to your content when you upload it into our Services",
   "text_sha256": "e0f17efa18962d1056a0dddbe86a072b21a19939e6ed606aae9a166982645da4"
  },
  {
   "subject": "Square",
   "url": "https://squareup.com/us/en/legal/general/ua",
   "document": "Square General Terms of Service (US)",
   "question": "aggregated_use",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-08",
   "quote": "Nothing on this document answers it (84,760 characters of document text, read 2026-10-08).",
   "text_sha256": "e0f17efa18962d1056a0dddbe86a072b21a19939e6ed606aae9a166982645da4"
  },
  {
   "subject": "Square",
   "url": "https://squareup.com/us/en/legal/general/ua",
   "document": "Square General Terms of Service (US)",
   "question": "ai_training",
   "answer": "may-train",
   "answer_text": "may train",
   "status": "stated",
   "retrieved_at": "2026-10-08",
   "quote": "including developing, training, testing, evaluating, and improving products, services, technologies, and models",
   "text_sha256": "e0f17efa18962d1056a0dddbe86a072b21a19939e6ed606aae9a166982645da4"
  },
  {
   "subject": "Square",
   "url": "https://squareup.com/us/en/legal/general/ua",
   "document": "Square General Terms of Service (US)",
   "question": "export_at_exit",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-08",
   "quote": "Nothing on this document answers it (84,760 characters of document text, read 2026-10-08).",
   "text_sha256": "e0f17efa18962d1056a0dddbe86a072b21a19939e6ed606aae9a166982645da4"
  },
  {
   "subject": "Stripe",
   "url": "https://stripe.com/legal/ssa",
   "document": "Stripe Services Agreement",
   "question": "ownership",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-12",
   "quote": "Nothing on this document answers it (144,935 characters of document text, read 2026-10-12).",
   "text_sha256": "76dd439c1c5a149d72be6e92b466f3ec49fccab2f665e49464f161c4d15b5de0"
  },
  {
   "subject": "Stripe",
   "url": "https://stripe.com/legal/ssa",
   "document": "Stripe Services Agreement",
   "question": "aggregated_use",
   "answer": "reserved",
   "answer_text": "reserved",
   "status": "stated",
   "retrieved_at": "2026-10-12",
   "quote": "information Stripe uses for security or fraud prevention; and (c) all aggregated information Stripe generates",
   "text_sha256": "76dd439c1c5a149d72be6e92b466f3ec49fccab2f665e49464f161c4d15b5de0"
  },
  {
   "subject": "Stripe",
   "url": "https://stripe.com/legal/ssa",
   "document": "Stripe Services Agreement",
   "question": "ai_training",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-12",
   "quote": "Nothing on this document answers it (144,935 characters of document text, read 2026-10-12).",
   "text_sha256": "76dd439c1c5a149d72be6e92b466f3ec49fccab2f665e49464f161c4d15b5de0"
  },
  {
   "subject": "Stripe",
   "url": "https://stripe.com/legal/ssa",
   "document": "Stripe Services Agreement",
   "question": "export_at_exit",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-12",
   "quote": "Nothing on this document answers it (144,935 characters of document text, read 2026-10-12).",
   "text_sha256": "76dd439c1c5a149d72be6e92b466f3ec49fccab2f665e49464f161c4d15b5de0"
  },
  {
   "subject": "Tipalti",
   "url": "https://tipalti.com/en-uk/legal/ssa/",
   "document": "Tipalti Software Services Agreement (UK)",
   "question": "ownership",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (36,984 characters of document text, read 2026-10-28).",
   "text_sha256": "44600ec500f714380ab620112c28f8cbccbcc19bbd36447a503950109c75199b"
  },
  {
   "subject": "Tipalti",
   "url": "https://tipalti.com/en-uk/legal/ssa/",
   "document": "Tipalti Software Services Agreement (UK)",
   "question": "aggregated_use",
   "answer": "reserved",
   "answer_text": "reserved",
   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "Tipalti may generate, use, and disclose aggregated or anonymized Customer Data for Tipalti’s own business purposes",
   "text_sha256": "44600ec500f714380ab620112c28f8cbccbcc19bbd36447a503950109c75199b"
  },
  {
   "subject": "Tipalti",
   "url": "https://tipalti.com/en-uk/legal/ssa/",
   "document": "Tipalti Software Services Agreement (UK)",
   "question": "ai_training",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (36,984 characters of document text, read 2026-10-28).",
   "text_sha256": "44600ec500f714380ab620112c28f8cbccbcc19bbd36447a503950109c75199b"
  },
  {
   "subject": "Tipalti",
   "url": "https://tipalti.com/en-uk/legal/ssa/",
   "document": "Tipalti Software Services Agreement (UK)",
   "question": "export_at_exit",
   "answer": "on-request",
   "answer_text": "on request",
   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "During the Term, Customer may download a copy of their data directly from the Services",
   "text_sha256": "44600ec500f714380ab620112c28f8cbccbcc19bbd36447a503950109c75199b"
  },
  {
   "subject": "Versapay",
   "url": "https://www.versapay.com/arc-oracle-terms-of-service",
   "document": "Versapay ARC Terms of Service",
   "question": "ownership",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (40,224 characters of document text, read 2026-10-28).",
   "text_sha256": "51148d0404209268acbd2b1ab3b4b4e5302f2d73e8ba0c126e2ee3bd1ef05889"
  },
  {
   "subject": "Versapay",
   "url": "https://www.versapay.com/arc-oracle-terms-of-service",
   "document": "Versapay ARC Terms of Service",
   "question": "aggregated_use",
   "answer": "reserved",
   "answer_text": "reserved",
   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "license to use Company Data and associated output in a form that is sufficiently de-identified and aggregated so as not to be attributable to the Company",
   "text_sha256": "51148d0404209268acbd2b1ab3b4b4e5302f2d73e8ba0c126e2ee3bd1ef05889"
  },
  {
   "subject": "Versapay",
   "url": "https://www.versapay.com/arc-oracle-terms-of-service",
   "document": "Versapay ARC Terms of Service",
   "question": "ai_training",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-28",
   "quote": "Nothing on this document answers it (40,224 characters of document text, read 2026-10-28).",
   "text_sha256": "51148d0404209268acbd2b1ab3b4b4e5302f2d73e8ba0c126e2ee3bd1ef05889"
  },
  {
   "subject": "Versapay",
   "url": "https://www.versapay.com/arc-oracle-terms-of-service",
   "document": "Versapay ARC Terms of Service",
   "question": "export_at_exit",
   "answer": "30",
   "answer_text": "30 days",
   "status": "stated",
   "retrieved_at": "2026-10-28",
   "quote": "such requests being made no later than 30 days after the date of termination of this Agreement, Versapay will enable Company to export or download Company Data",
   "text_sha256": "51148d0404209268acbd2b1ab3b4b4e5302f2d73e8ba0c126e2ee3bd1ef05889"
  },
  {
   "subject": "Wave",
   "url": "https://www.waveapps.com/legal/terms-of-use",
   "document": "Wave Terms of Use",
   "question": "ownership",
   "answer": "customer",
   "answer_text": "the business",
   "status": "stated",
   "retrieved_at": "2026-10-08",
   "quote": "You own all of your business’s private data, content and all information which you enter and use in connection with the Services",
   "text_sha256": "168939c1e2c09fc7ba0ed9f9bf4e88d5842f81eb9ba7da769544f7d316b03621"
  },
  {
   "subject": "Wave",
   "url": "https://www.waveapps.com/legal/terms-of-use",
   "document": "Wave Terms of Use",
   "question": "aggregated_use",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-08",
   "quote": "Nothing on this document answers it (77,949 characters of document text, read 2026-10-08).",
   "text_sha256": "168939c1e2c09fc7ba0ed9f9bf4e88d5842f81eb9ba7da769544f7d316b03621"
  },
  {
   "subject": "Wave",
   "url": "https://www.waveapps.com/legal/terms-of-use",
   "document": "Wave Terms of Use",
   "question": "ai_training",
   "answer": "not-stated",
   "answer_text": "not stated",
   "status": "not-stated",
   "retrieved_at": "2026-10-08",
   "quote": "Nothing on this document answers it (77,949 characters of document text, read 2026-10-08).",
   "text_sha256": "168939c1e2c09fc7ba0ed9f9bf4e88d5842f81eb9ba7da769544f7d316b03621"
  },
  {
   "subject": "Wave",
   "url": "https://www.waveapps.com/legal/terms-of-use",
   "document": "Wave Terms of Use",
   "question": "export_at_exit",
   "answer": "none",
   "answer_text": "no export promised",
   "status": "stated",
   "retrieved_at": "2026-10-08",
   "quote": "That Wave will not be liable to you or any third party for termination of access to the Service, deletion of your information or data, or export of your information or data",
   "text_sha256": "168939c1e2c09fc7ba0ed9f9bf4e88d5842f81eb9ba7da769544f7d316b03621"
  }
 ],
 "sources": [
  {
   "url": "https://www.freshbooks.com/policies/terms-of-service",
   "label": "FreshBooks terms of service",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.waveapps.com/legal/terms-of-use",
   "label": "Wave terms of use",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.invoiceninja.com/terms/",
   "label": "Invoice Ninja terms of service",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://invoice.2go.com/terms/",
   "label": "Invoice2go terms of use",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.invoicesimple.com/terms",
   "label": "Invoice Simple terms of service",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.hiveage.com/terms/",
   "label": "Hiveage terms of service",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.bill.com/legal/platform-general-terms-of-service",
   "label": "BILL platform general terms of service",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://tipalti.com/en-uk/legal/ssa/",
   "label": "Tipalti software services agreement (UK)",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.sage.com/en-us/legal/terms/sage-ar-automation-tos/customer/",
   "label": "Sage AR Automation customer terms (US)",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.esker.com/terms-service-usa",
   "label": "Esker terms of service (US)",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.esker.com/termsync-terms-service",
   "label": "Esker TermSync terms of service",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.versapay.com/arc-oracle-terms-of-service",
   "label": "Versapay ARC terms of service",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://chaserhq.com/collector-terms",
   "label": "Chaser terms",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.invoiced.com/legal/terms",
   "label": "Invoiced terms of service",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.paystand.com/terms-of-service",
   "label": "Paystand terms of service",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://chargebee.com/terms",
   "label": "Chargebee terms of service",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.recurly.com/legal/terms/",
   "label": "Recurly terms of service",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.paddle.com/legal/terms",
   "label": "Paddle terms",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://stripe.com/legal/ssa",
   "label": "Stripe services agreement",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://squareup.com/us/en/legal/general/ua",
   "label": "Square general terms of service (US)",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.paypal.com/us/legalhub/paypal/useragreement-full",
   "label": "PayPal user agreement (US)",
   "license": "cited for reporting; the vendor's own published terms",
   "class": "primary-provider-own-site",
   "status": "read"
  }
 ],
 "methodology": "Each vendor's own published terms were read through estate-fetch and stored whole (sha256 on every row). For every document, four questions were answered from the vendor's own words: who owns the business's data, vendor keeps aggregated or anonymised use, training AI on the business's data, export at exit. Every stated answer carries the sentence it rests on, checked against the stored text; 'not stated' means the document read does not address the question. A vendor with several documents reads 'varies' where they disagree. 21 vendors, 21 documents.",
 "embed": "<figure style=\"margin:0;padding:16px;border:1px solid #d0d0d0;background:#ffffff\"><blockquote style=\"margin:0 0 8px;background:#ffffff\">13 of 21 invoicing software vendors whose terms we read reserve the right to use their customers' data in aggregated or anonymised form, read 28 October 2026.</blockquote><figcaption style=\"background:#ffffff\"><a href=\"https://sellinvoicedatatoai.com/datasets/invoicing-software-data-terms/\" style=\"background:#ffffff\">Invoicing software data terms, sellinvoicedatatoai.com</a></figcaption></figure>"
}