Terms of Service

Last updated: November 9, 2026

These terms are an agreement between you and Summl, of California ("Summl", "we", "us"). They cover your use of summl.com, app.summl.com and the Summl service. By creating an account or paying for a report, you agree to them.

1. What Summl does

Summl reads financial documents you upload (such as bank, card, point-of-sale, delivery, payroll and supplier statements), categorizes the transactions with the help of artificial intelligence, and produces a profit and loss report with analysis. You can ask questions about your restaurant and your reports.

2. Not professional advice

Summl gives you information to understand your business. It is not tax, legal, accounting, audit or financial advice, and it does not replace an accountant. Reports are produced automatically from the documents you provide and may contain errors or omissions, especially when documents are missing, incomplete or unclear. Review your reports, and consult a qualified professional before making tax filings or significant decisions.

3. Your account

  • You must be at least 18 and able to enter a contract. You use Summl for a business.
  • You sign in with a link sent to your email. Keep access to that email secure; you're responsible for activity on your account.
  • Give accurate information, and only upload documents you have the right to use.

4. Prices and payment

  • Free: a limited number of restaurant questions each month, as shown on the site.
  • One-time P&L: priced by the period your documents cover, as shown at checkout (for example $50 for up to one month, $100 for two to three months, $200 for four to twelve months, and $200 per year beyond twelve months). Each includes a set number of follow-up questions about that report.
  • Payments are processed by Stripe. Prices are in US dollars and exclude sales tax, which may be added where it applies.
  • Period check. Before building, Summl compares the period your documents cover with what you bought. If they cover more, you may pay the difference to upgrade or build only the period you paid for. If they cover less, you may upload more documents, build as is, or switch to the smaller report and receive the difference as store credit.
  • Store credit applies automatically to future Summl purchases. It has no cash value, can't be transferred, and doesn't expire while Summl operates.

5. Refunds

Before your report is built, you may ask for a refund by contacting us. Once a report has been built, the payment isn't refundable, except where the law requires otherwise. Details are in the refund policy.

6. Fair use

Don't misuse Summl: no automated or bulk access, no attempts to break, overload or reverse engineer the service, no unlawful or fraudulent documents, and no use for anyone else's business without their permission. Plans described as "unlimited" are for the normal use of one business; we may limit unusual volumes. We may suspend accounts that break these terms.

7. Your data

You own your documents and reports. You give Summl permission to store and process them only to provide the service to you, as described in the privacy policy. You can download your reports and ask us to delete your account and data at any time.

8. Our service

We work to keep Summl available and accurate, but it is provided "as is" and "as available", without warranties of any kind to the extent the law allows. We may change or discontinue features; if we discontinue the service, we'll give you reasonable notice to download your reports.

9. Limitation of liability

To the extent the law allows, Summl is not liable for indirect, incidental, special or consequential damages, or lost profits, revenue or data. Our total liability for any claim relating to the service is limited to the amount you paid Summl in the twelve months before the claim.

10. Changes to these terms

We may update these terms. If a change is significant, we'll tell you by email or in the app before it takes effect. Continuing to use Summl after that means you accept the updated terms.

11. Law and disputes

These terms are governed by the laws of the State of California. Disputes will be handled in the state or federal courts located in California, unless the law requires otherwise.

12. Contact

Questions about these terms: support@summl.com.