Backfill

Terms of Service

Last updated: January 27, 2026

Thank you for using Backfill! We build our platform to help you sync and reconcile financial data across your business systems. Because we can’t know every customer personally, we have these Terms of Service to help keep things running smoothly.

When we say “Company”, “we”, “our”, or “us” in this document, we are referring to Backfill, Inc.

When we say “Services”, we mean the Backfill platform, including our website at backfill.io and any related applications, APIs, and tools.

When we say “You” or “your”, we are referring to the people or organizations that own an account with our Services.

We may update these Terms of Service (“Terms”) in the future. Whenever we make a significant change, we will refresh the date at the top of this page and notify account holders via email.

When you use our Services, now or in the future, you are agreeing to the latest Terms. There may be times where we do not exercise or enforce a right or provision of the Terms; however, that does not mean we are waiving that right or provision. These Terms do contain a limitation of our liability.

If you violate any of the Terms, we may terminate your account.

Account Terms

  1. You are responsible for maintaining the security of your account and password and for ensuring that any of your users do the same. The Company cannot and will not be liable for any loss or damage from your failure to comply with this security obligation. We recommend all users set up two-factor authentication for added security.

  2. You may not use the Services for any purpose outlined in our Use Restrictions Policy, and you may not permit any of your users to do so, either.

  3. You are responsible for all content posted to and activity that occurs under your account, including content posted by and activity of any users in your account.

  4. You must be a human. Accounts registered by “bots” or other automated methods are not permitted.

  5. You must be at least 18 years old to use our Services.

Payment, Refunds, and Plan Changes

  1. If you are using a free version of our Services, it is really free: we do not ask you for your credit card and we do not sell your data.

  2. For paid Services that offer a free trial, we explain the length of trial when you sign up. After the trial period, you need to pay in advance to keep using the Service. If you do not pay, we will freeze your account and it will be inaccessible until you make payment. If your account has been frozen for a while, we will queue it up for auto-cancellation.

  3. If you are upgrading from a free plan to a paid plan, we will charge your card immediately and your billing cycle starts on the day of upgrade. For other upgrades or downgrades in plan level, the new rate starts from the next billing cycle.

  4. All fees are exclusive of all taxes, levies, or duties imposed by taxing authorities. Where required, we will collect those taxes on behalf of the taxing authority and remit those taxes to taxing authorities. Otherwise, you are responsible for payment of all taxes, levies, or duties.

  5. Refunds are handled on a case-by-case basis. If you’re unhappy with our service, contact us at support@backfill.io and we’ll work something out.

Cancellation and Termination

  1. You are solely responsible for properly canceling your account. You can cancel your account from your account settings. An email or phone request to cancel your account is not automatically considered cancellation. If you need help canceling your account, you can always contact our Support team at support@backfill.io.

  2. All of your content will be inaccessible from the Services immediately upon account cancellation. Within 30 days, all content will be permanently deleted from active systems and logs. Within 60 days, all content will be permanently deleted from our backups. We cannot recover this information once it has been permanently deleted. If you want to export any data before your account is canceled, you can do so from your account dashboard.

  3. If you cancel the Service before the end of your current paid up period, your cancellation will take effect immediately, and you will not be charged again. We do not automatically prorate unused time in the last billing cycle.

  4. We have the right to suspend or terminate your account and refuse any and all current or future use of our Services for any reason at any time. Suspension means you and any other users on your account will not be able to access the account or any content in the account. Termination will furthermore result in the deletion of your account or your access to your account, and the forfeiture and relinquishment of all content in your account. We also reserve the right to refuse the use of the Services to anyone for any reason at any time. For more details, see our Use Restrictions Policy.

  5. Verbal, physical, written or other abuse (including threats of abuse or retribution) of a Company employee or officer will result in immediate account termination.

Modifications to the Service and Prices

  1. We reserve the right at any time to modify or discontinue, temporarily or permanently, any part of our Services with or without notice. We will make reasonable efforts to notify you of significant changes that affect your use of the Services.

  2. Sometimes we change the pricing structure for our products. When we do that, we tend to exempt existing customers from those changes. However, we may choose to change the prices for existing customers. If we do so, we will give at least 30 days notice and will notify you via the email address on record.

Uptime, Security, and Privacy

  1. Your use of the Services is at your sole risk. We provide these Services on an “as is” and “as available” basis. We do not offer service-level agreements for most plans but do take uptime of our applications seriously.

  2. We reserve the right to temporarily disable your account if your usage significantly exceeds the average usage of other customers of the Services. Of course, we’ll reach out to the account owner before taking any action except in rare cases where the level of use may negatively impact the performance of the Service for other customers.

  3. We take many measures to protect and secure your data through backups, redundancies, and encryption. We enforce encryption for data transmission from the public Internet. All data is encrypted at rest.

  4. When you use our Services, you entrust us with your data. We take that trust to heart. You agree that Backfill may process your data as described in our Privacy Policy and for no other purpose. We as humans can access your data for the following reasons:

    • To help you with support requests you make. We’ll ask for express consent before accessing your account.
    • On the rare occasions when an error occurs that stops an automated process partway through. When we can fix the issue and restart automated processing without looking at any personal data, we do. In rare cases, we have to look at a minimum amount of personal data to fix the issue.
    • To safeguard Backfill. We’ll look at logs and metadata as part of our work to ensure the security of your data and the Services as a whole. If necessary, we may also access accounts as part of an abuse report investigation.
    • To the extent required by applicable law.

  5. We use third party vendors and hosting partners to provide the necessary hardware, software, networking, storage, and related technology required to run the Services. You can see a list of subprocessors in our Privacy Policy.

  6. Under the California Consumer Privacy Act (“CCPA”), Backfill is a “service provider”, not a “business” or “third party”, with respect to your use of the Services. That means we process any data you share with us only for the purpose you signed up for and as described in these Terms and our Privacy Policy. We do not retain, use, disclose, or sell any of that information for any other commercial purposes unless we have your explicit permission.

  7. These Terms incorporate the Backfill Data Processing Addendum (“DPA”) when the EU General Data Protection Regulation (“GDPR”) or United Kingdom General Data Protection Regulation (“UK GDPR”) applies to your use of Backfill Services to process Customer Data as defined in the DPA. A DPA is available upon request at privacy@backfill.io.

Financial Data and Third-Party Connections

  1. Backfill connects to third-party services (such as Stripe) on your behalf to synchronize and reconcile financial data. You authorize us to access these services using the credentials or permissions you provide.

  2. You represent and warrant that you have all necessary rights and permissions to connect your third-party accounts to Backfill and to allow us to access and process the data contained therein.

  3. You are responsible for ensuring that your use of Backfill complies with the terms of service of any third-party services you connect.

  4. We are not responsible for any changes, outages, or limitations imposed by third-party services that may affect the functionality of our Services.

  5. If your connected systems contain personal data about your customers or other third parties, you represent that you have obtained all necessary consents and authorizations to share that data with us for processing.

Copyright and Content Ownership

  1. You give us a limited license to use the content posted by you and your users in order to provide the Services to you, but we claim no ownership rights over those materials. All materials you submit to the Services remain yours.

  2. We do not pre-screen content, but we reserve the right (but not the obligation) in our sole discretion to refuse or remove any content that is available via the Service.

  3. The Company or its licensors own all right, title, and interest in and to the Services, including all intellectual property rights therein, and you obtain no ownership rights in the Services as a result of your use. You may not duplicate, copy, or reuse any portion of the HTML, CSS, JavaScript, or visual design elements without express written permission from the Company.

  4. You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Services, use of the Services, or access to the Services without the express written permission of the Company.

Features and Bugs

We design our Services with care, based on our own experience and the experiences of customers who share their time and feedback. However, there is no such thing as a service that pleases everybody. We make no guarantees that our Services will meet your specific requirements or expectations.

We also test all of our features extensively before shipping them. As with any software, our Services inevitably have some bugs. We track the bugs reported to us and work through priority ones, especially any related to security or privacy. Not all reported bugs will get fixed and we don’t guarantee completely error-free Services.

API Terms

We offer Application Program Interfaces (“APIs”) for our Services. Any use of the API, including through a third-party product that accesses the Services, is bound by these Terms plus the following specific terms:

  1. You expressly understand and agree that we are not liable for any damages or losses resulting from your use of the API or third-party products that access data via the API.

  2. Abuse or excessively frequent requests to the Services via the API may result in the temporary or permanent suspension of your account’s access to the API. The Company, in its sole discretion, will determine abuse or excessive usage of the API. If we need to suspend your account’s access, we will attempt to warn the account owner first. If your API usage could or has caused downtime, we may cut off access without prior notice.

  3. We reserve the right to modify, deprecate, or discontinue the API (or any part of it) at any time with reasonable notice.

Use Restrictions

You may not use the Services for any of the following:

  1. Illegal activity: Violating any applicable laws or regulations, including financial regulations, data protection laws, or export controls.

  2. Harmful or fraudulent activity: Engaging in any activity that is deceptive, fraudulent, or harmful to others, including phishing, money laundering, or financial fraud.

  3. Infringing content: Uploading or transmitting content that infringes on intellectual property rights of others.

  4. Security violations: Attempting to probe, scan, or test the vulnerability of our systems or networks, or attempting to breach security or authentication measures.

  5. Network abuse: Interfering with or disrupting the Services or servers or networks connected to the Services.

  6. Excessive use: Using the Services in a way that consumes a disproportionate amount of infrastructure resources.

We reserve the right to suspend or terminate your account if we determine, in our sole discretion, that you are engaged in any of these activities.

Liability

You expressly understand and agree that the Company shall not be liable, in law or in equity, to you or to any third party for any direct, indirect, incidental, lost profits, special, consequential, punitive or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if the Company has been advised of the possibility of such damages), resulting from: (i) the use or the inability to use the Services; (ii) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the Services; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third party on the service; (v) or any other matter relating to these Terms or the Services, whether as a breach of contract, tort (including negligence whether active or passive), or any other theory of liability.

In other words: choosing to use our Services does mean you are making a bet on us. If the bet does not work out, that’s on you, not us. We do our darnedest to be as safe a bet as possible through careful management of the business; investments in security, infrastructure, and talent; and in general giving a damn. If you choose to use our Services, thank you for betting on us.

Indemnification

You agree to indemnify and hold harmless the Company and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Services, your violation of these Terms, or your violation of any rights of a third party.

Governing Law and Jurisdiction

These Terms shall be governed by the laws of the State of Delaware, without regard to its conflict of laws principles. Any disputes arising from these Terms or the Services shall be resolved in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of such courts.

Contact

If you have a question about any of these Terms, please contact us at support@backfill.io.

Adapted from Basecamp open-source policies / CC BY 4.0