Last Modified: January 26, 2026
These Terms of Service (the “Terms” or “Agreement”) form a binding agreement between you and Alto (“Alto,” “we,” “us,” or the “Company”). These Terms govern your access to and use of our website, applications, and related services, including https://myalto.ca and any related web or mobile applications (collectively, the “Services”).
BY ACCESSING OR USING THE SERVICES, OR BY CLICKING TO ACCEPT THESE TERMS, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND ANY POLICIES INCORPORATED BY REFERENCE. IF YOU DO NOT AGREE, YOU MUST NOT ACCESS OR USE THE SERVICES.
You may not access or use the Services if you: (A) do not agree to these Terms; (B) are not at least 18 years of age (or the age of majority in your jurisdiction); or (C) are prohibited from using the Services under applicable law.
1) Changes to These Terms
We may update these Terms from time to time in our discretion. We encourage you to review them periodically. Unless otherwise stated, updates take effect when posted. By continuing to use the Services after updated Terms are posted, you agree to the revised Terms.
2) Eligibility and Your Account
A. Eligibility
By using the Services, you represent and warrant that:
- you are at least the age of majority in your jurisdiction and can enter into a binding contract; and
- you have not been suspended or removed from the Services.
B. Account Registration and Accuracy
To access certain features, you may need to create an account and provide information such as your name, email address, or billing information. You agree that any information you provide is accurate, current, and complete, and you will keep it updated.
C. Account Security
You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us promptly if you suspect unauthorized access to your account.
D. Service Availability and Changes
We aim to provide reliable access to the Services, but we do not guarantee uninterrupted availability. The Services may be modified, suspended, or discontinued (in whole or in part) at any time. We are not liable for any unavailability of the Services.
3) Privacy
Our collection and use of personal information is described in our Privacy Policy, which forms part of these Terms and is available at: https://myalto.ca/legal/privacy-policy.
If you use the Services to connect or import information from financial institutions or third-party providers, you authorize us to receive and process that information to provide the Services in accordance with the Privacy Policy. You are also responsible for complying with any applicable terms of those third parties.
4) The Services and Financial Information
Alto is designed to help you view and organize financial information you choose to connect or import. Alto may display information derived from third-party sources (such as transaction descriptions, balances, and categories). While we strive for accuracy, we do not guarantee that third-party data is complete, accurate, or up to date, and we are not responsible for errors originating from third-party providers.
Alto does not provide financial, legal, accounting, or tax advice. The Services are provided for informational and general budgeting purposes only. You are solely responsible for any decisions you make based on the information provided through the Services.
5) Subscription Plans, Billing, and Payments
A. Subscription Plans
Some portions of the Services may require a paid subscription. Subscription options (for example, monthly or annual) and pricing are presented at the time of purchase.
B. Automatic Renewal
Unless you cancel before your renewal date, paid subscriptions automatically renew for successive billing periods, and you authorize us (and our payment processors) to charge your payment method for the applicable fees and taxes.
C. Pricing, Taxes, and Errors
Prices may change at any time, but changes will apply only to future billing periods unless otherwise required by law. Prices displayed may not include taxes, which may be added at checkout. We reserve the right to correct pricing errors, cancel affected purchases, and issue refunds where appropriate.
D. Free Trials and Promotions
We may offer free trials or promotions from time to time. The specific terms will be disclosed at sign-up or at the time of the offer. If you start a free trial, you may be required to provide a valid payment method, and unless you cancel before the trial ends, you will be charged at the end of the trial.
We may modify, withdraw, or terminate trials and promotions at any time, to the extent permitted by law.
E. Cancellation
You may cancel your subscription at any time. Cancellation stops future renewals, and your access typically continues until the end of your then-current paid period.
Unless required by law, we do not typically provide refunds for unused time in a subscription period. If you believe a billing issue requires review, contact us at contact@myalto.ca.
F. Third-Party Purchases (App Stores)
If you purchase a subscription through a third-party platform (such as Apple’s App Store), your subscription may be managed by that third party and you may need to cancel through that platform. We are not responsible for the billing or refund practices of third parties.
6) Acceptable Use and Prohibited Conduct
You agree to use the Services only for lawful purposes and in compliance with these Terms. You must not:
- use the Services in any way that violates applicable laws or regulations
- interfere with, disable, overburden, or impair the Services
- attempt to gain unauthorized access to the Services, systems, or networks
- introduce malicious code, malware, or harmful technology
- scrape, crawl, or copy the Services or content using automated means without our permission
- impersonate another person or misrepresent your affiliation with any person or entity
- upload, submit, or transmit content that is unlawful, misleading, harmful, infringing, or otherwise objectionable
- use the Services to transmit spam or unsolicited promotional messages
We may suspend or terminate your access if we reasonably believe you have violated these Terms or if needed to protect the Services, Alto, users, or third parties.
7) User Content and Submissions
If you upload, submit, or otherwise provide information or content through the Services (collectively, “Submissions”), you represent and warrant that you have the right to provide those Submissions and that they do not violate any laws or third-party rights.
You grant Alto a non-exclusive, worldwide, royalty-free license to use, host, store, reproduce, modify (for technical purposes), and display your Submissions solely to operate, provide, and improve the Services, and as otherwise permitted by our Privacy Policy.
8) Intellectual Property
The Services, including their features, design, text, graphics, logos, software, and content, are owned by Alto or its licensors and are protected by intellectual property laws.
Except for the limited right to use the Services in accordance with these Terms, no rights are granted to you. You may not copy, modify, distribute, sell, lease, reverse engineer, or create derivative works from any part of the Services unless permitted by law or expressly authorized by Alto in writing.
All trademarks, logos, and service marks used within the Services are owned by Alto or third parties. You may not use them without authorization.
9) Third-Party Services and Links
The Services may integrate with or contain links to third-party websites, tools, or services. We do not control third parties and are not responsible for their content, policies, or practices. Your use of third-party services is at your own risk and may be subject to those third parties’ terms and policies.
10) Monitoring, Enforcement, and Termination
We may:
- investigate suspected violations of these Terms
- remove or restrict access to content or features
- suspend or terminate accounts and access to the Services
- cooperate with law enforcement or regulatory requests, where required
To the maximum extent permitted by applicable law, you agree that Alto is not liable for actions taken in good faith to enforce these Terms or protect the Services or users.
11) Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES AND ALL CONTENT AND FUNCTIONALITY ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. This includes implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, title, and non-infringement.
You understand that use of the Internet and electronic systems involves inherent risks, and we cannot guarantee the Services will be error-free, secure, uninterrupted, or available at all times.
Some jurisdictions do not allow certain warranty disclaimers, so some of the above may not apply to you.
12) Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL ALTO OR ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, AGGRAVATED, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR REPUTATION, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
To the fullest extent permitted by applicable law, Alto’s total liability for any claim arising out of or relating to these Terms or the Services will not exceed the lesser of:
- the total amounts paid by you to Alto for the Services in the three (3) months prior to the event giving rise to the claim; or
- $100 CAD.
Some jurisdictions do not allow limitations of liability, so some of the above may not apply to you.
13) Indemnification
To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Alto and its affiliates and their respective directors, officers, employees, agents, contractors, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, and expenses (including reasonable legal fees) arising from or related to:
- your use of the Services
- your Submissions
- your violation of these Terms
- your violation of any applicable law or third-party rights
14) Force Majeure
Alto will not be liable for any delay or failure to perform resulting from causes beyond our reasonable control, including acts of God, natural disasters, labour disputes, war, terrorism, pandemics, utility failures, or Internet or hosting interruptions.
15) Geographic Availability
Alto is based in Ontario, Canada. The Services may not be available or appropriate for use in all jurisdictions. If you choose to access the Services from outside Ontario, you do so at your own risk and are responsible for compliance with local laws.
16) Governing Law and Jurisdiction (Ontario)
These Terms and your use of the Services are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario, without regard to conflict of law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
Any dispute, claim, or proceeding arising out of or relating to the Services or these Terms shall be brought exclusively in the courts located in Ontario, Canada, and you irrevocably submit to the jurisdiction of those courts and waive any objection to venue.
17) Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect.
18) Waiver
No waiver by Alto of any term or condition is a continuing waiver unless expressly stated. A failure to enforce any provision does not constitute a waiver of that provision.
19) Entire Agreement
These Terms, together with the Privacy Policy and any other policies referenced within the Services, constitute the entire agreement between you and Alto regarding the Services and supersede any prior agreements or communications.
20) Assignment
You may not assign or transfer these Terms without Alto’s prior written consent. Alto may assign these Terms and its rights and obligations without restriction.
21) App Store Terms (Apple / iOS)
If you access the Services through an application distributed via Apple’s App Store, you acknowledge that:
- these Terms are between you and Alto, not Apple
- Apple has no obligation to provide maintenance or support
- to the maximum extent permitted by law, Apple has no warranty obligations with respect to the Services
- Apple is not responsible for any claims related to the Services
- Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them as such
This section applies to the extent required by Apple’s terms and applicable law.
22) Contact
All feedback, comments, requests for support, and other communications relating to the Services should be directed to:
Email: contact@myalto.ca