Effective date: October 28, 2025
1. General
1.1. These Terms of Service (the “Agreement”) govern the relationship between the user of the Scrugio service (the “User”) and scrugio.com (“Scrugio”, “we”, “us”), which provides access to the service available at scrugio.com and app.scrugio.com (together, the “Service”).
1.2. The Service is provided only on the condition that you fully accept this Agreement.
1.3. Registering, activating a trial, paying for access, and/or continuing to use the Service constitutes your acceptance of the then-current version of this Agreement.
1.4. If you do not agree with the Agreement, you must stop using the Service immediately.
1.5. This Agreement is a legally binding contract between you and Scrugio. Acceptance occurs by registering for the Service and/or paying for access.
2. Service Description
2.1. Scrugio is a cloud (SaaS) product accessible via web interface at scrugio.com and app.scrugio.com, designed for:
- financial modeling and cash-flow forecasting;
- revenue and sales modeling (funnel, average check, conversion, LTV);
- headcount/compensation modeling (team, payroll, hiring, departures, growth);
- purchasing and cost modeling;
- budgeting and plan-vs-actual analysis;
- analysis of key business metrics;
- preparation of management, investor, and presentation reporting.
2.2. Access is provided:
- with a 14-day trial period; then
- on a paid subscription basis per Scrugio’s pricing.
2.3. Trial access may be function-limited (e.g., users, projects, exports, scenarios). Full functionality is available on paid plans.
2.4. We may change the Service (features, interface, calculations, forecasting models, integrations; add or remove modules) at our discretion. Such changes do not constitute a breach of this Agreement.
3. Registration, Account, and Access
3.1. To use the Service, you must create an account and provide accurate information.
3.2. You are responsible for safeguarding your login, password, access tokens, and other authentication means.
3.3. Actions carried out through your account are deemed yours unless you prove unauthorized use not caused by your breach of this Agreement.
3.4. Do not share your account with third parties unless your plan explicitly allows team access.
3.5. We may suspend or limit access if:
- we suspect a breach of this Agreement;
- we suspect unauthorized access;
- the trial has ended and no paid plan is active;
- fees are unpaid or the paid period has expired.
3.6. You must promptly notify us of any unauthorized access to your account.
4. Plans, Payment, and Refunds
4.1. After the 14-day trial, access is paid.
4.2. Pricing, plan features, billing periods (monthly, yearly, etc.), and commercial terms are shown on scrugio.comand/or within the Service (including app.scrugio.com).
4.3. Fees are prepaid for the selected term.
4.4. Depending on your plan, auto-renewal may apply. If you do not want auto-renewal, disable it before the next charge date.
4.5. The Service is deemed delivered when we enable your technical ability to use it.
4.6. Refunds.
Where required by applicable consumer protection law, you may be entitled to a refund or withdrawal/cancellation right. Otherwise, fees are non-refundable, including for partial use or early cancellation. If access is terminated due to your breach, paid amounts are not refunded. Any payment processor or bank fees are your responsibility unless stated otherwise.
4.7. Taxes, duties, and additional charges (if any) are your responsibility unless the checkout explicitly states otherwise.
5. User Data and Confidentiality
5.1. While using the Service, you may upload or enter information, including:
- financial metrics;
- budgets and plan-vs-actuals;
- sales plans and funnel structure;
- purchasing and cost data;
- workforce/team information (positions, compensation, hiring, departures, growth);
- cash-flow forecasts;
- business KPIs;
- scenarios and assumptions,
(collectively, “User Data”).
5.2. You retain all rights to your User Data. Scrugio does not claim ownership of your business data.
5.3. You grant Scrugio a non-exclusive license to use User Data solely to:
- store and back up User Data;
- process it within the Service;
- generate reports and visualizations for you;
- provide technical support and ensure Service operation.
5.4. We do not disclose User Data to third parties except:
- to comply with applicable law or lawful requests by competent authorities;
- to infrastructure/service providers (hosting, billing, error logging, etc.) under confidentiality obligations;
- with your explicit request/permission (e.g., onboarding or manual model setup at your direction).
5.5. You warrant that you have the right to input such data and that doing so does not violate confidentiality, privacy, or trade-secret obligations to third parties.
6. Acceptable Use and Restrictions
6.1. You must not:
- violate applicable law or third-party rights using the Service;
- attempt to access others’ data or accounts, internal components, restricted APIs, source code, or databases unless expressly permitted;
- bypass plan limits (projects, scenarios, users, export limits, etc.);
- create excessive load (e.g., abusive automation, scraping), interfere with normal operations, exploit vulnerabilities, reverse engineer, decompile, or de-obfuscate;
- use the Service to copy its functionality, calculation structure, interface, or algorithms to build a competing product or offering;
- reproduce, publish, or distribute the Service’s interface materials, text, visuals, documentation, or other content without prior written consent, except reports/models you export from your own User Data.
6.2. If you breach Section 6.1, we may limit or terminate your access without prior notice.
7. Warranties and Disclaimers
7.1. The Service is provided “as is”. Technical errors, calculation inaccuracies, data update delays, or interruptions may occur.
7.2. Forecasts and models (sales, costs, hiring, purchasing, budgets, financial scenarios) created via the Service may differ from your actual business results.
7.3. We do not warrant:
- commercial outcomes;
- revenue or profit growth;
- accuracy or completeness of analytics;
- fitness of the Service for your particular purpose.
7.4. The Service is not investment, financial, accounting, tax, or legal advice. You are solely responsible for decisions you make.
8. Limitation of Liability
8.1. We are not liable for any indirect, incidental, consequential, special, exemplary, or punitive damages; lost profits; lost data; or loss of business reputation arising from or related to use or inability to use the Service.
8.2. We are not responsible for:
- failures of the internet, payment systems, hosting, or other external services;
- inaccurate, outdated, or incomplete data you input;
- consequences of third-party access to your account where you failed to safeguard your credentials.
8.3. Our aggregate liability for all claims related to the Service is limited to the amount you actually paid for the Service for the most recent paid period, capped at the amount of one (1) month of fees for your then-current plan, unless a different minimum is mandated by applicable law.
8.4. Nothing in this Agreement limits non-waivable consumer rights provided by applicable law.
9. Changes to the Agreement, Plans, and Functionality
9.1. We may modify:
- this Agreement;
- pricing and plan composition;
- the Service’s technical and functional characteristics.
9.2. The updated Agreement takes effect upon publication at scrugio.com and/or within the Service (including app.scrugio.com), unless a different effective date is stated.
9.3. Your continued use after changes are published constitutes acceptance of the changes.
9.4. If you do not agree with changes, stop using the Service and export your User Data before access ends.
10. Intellectual Property
10.1. The Service’s code, design, interfaces, databases, calculation algorithms, texts, visual elements, trademarks, and logos are owned by Scrugio or its licensors.
10.2. No intellectual property rights are assigned to you. You receive a limited, revocable, non-transferable license to use the Service within your plan’s functionality and only for your internal business purposes.
10.3. Reports, models, dashboards, presentations you export from the Service based on your User Data may be freely used by you for business purposes, except where such materials would disclose Scrugio’s trade secrets (e.g., source code or non-public methodology).
11. Governing Law and Dispute Resolution
11.1. This Agreement is governed by the laws of England and Wales, without regard to conflict-of-laws rules, and you retain any non-waivable consumer protections under the laws of your habitual residence.
11.2. Disputes will be resolved amicably first (30-day written notice period). If unresolved, disputes are subject to the exclusive jurisdiction of the courts of England and Wales, unless applicable law requires a different forum.
11.3. If a mandatory law grants you the right to bring claims in your local courts, this Section does not deprive you of that right.
12. Contact
12.1. For billing, technical support, access, suspensions, or other Service matters, contact: 📧 business@scrugio.com.
12.2. Current company/billing details (where applicable) may also be provided on invoices or in your account.
13. Miscellaneous
13.1. If any provision is held invalid, the remainder remains in force.
13.2. Our failure to enforce any provision is not a waiver of our right to do so later.
13.3. You confirm that you have read, understand, and agree to this Agreement.