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Terms of Service

Last updated: 2026-05-31

These Terms of Service ("Terms") are a legal agreement between you ("you" or "Customer") and the operator of BankChangeGuard ("BankChangeGuard," "we," or "us") governing your access to and use of the BankChangeGuard hosted service (the "Service"). BankChangeGuard is hosted software-as-a-service; no software is sold, installed, or transferred to you. Please read Section 3 (Acceptance), Section 4 (Purchasing through Polar), Section 12 (Disclaimers), and Section 14 (Limitation of liability) carefully.

1. Service description

BankChangeGuard is a workflow and recordkeeping service that lets you log a vendor payment-account change request against a vendor synced from your connected QuickBooks Online account, initiates a callback verification by email to a previously-verified vendor contact, captures the verification response, and produces an exportable audit-trail document intended to help document one component of your risk-based vendor-account-change control process. The Service is informational software; it does not originate ACH transactions, move money, decide whether to release a payment, or provide legal, accounting, financial, insurance, or regulatory advice.

2. Who you are contracting with

BankChangeGuard is operated by Muhammad Hassaan Javed, an individual sole proprietor located in Pakistan, doing business as BankChangeGuard. References to "BankChangeGuard," "we," "us," or "our" mean Muhammad Hassaan Javed d/b/a BankChangeGuard, unless an executed order form expressly identifies another legal entity. No corporation, limited liability company, or other limited-liability entity is currently a party to these Terms.

BankChangeGuard currently operates as a sole proprietorship. A postal address for legal notices is available on request at the contact above.

3. Acceptance of these Terms

You accept these Terms by checking the "I have read and agree to the Terms of Service and Privacy Policy" box presented at account creation or first sign-in, or by accessing the Service, whichever occurs first. We record the version of the Terms you accepted together with your account identifier and the time of acceptance.

4. Purchasing through Polar

Paid subscriptions to the Service are sold by Polar Software, Inc. as Merchant of Record and authorized reseller. When you subscribe, you enter into a purchase transaction with Polar under Polar's buyer terms, and you separately receive access to the Service under these Terms. Your purchase, payment method, invoices, taxes and VAT, subscription renewal, billing support, chargebacks, transaction-level refunds, and cancellation of recurring charges are governed by Polar's buyer terms and checkout disclosures, accepted at checkout. We provide and support the Service; Polar provides first-tier transactional support for payments, refunds, chargebacks, and subscription cancellation. Where these Terms conflict with Polar's terms on payment, taxes, billing, renewal, cancellation of recurring charges, or transaction refunds, Polar's terms control to the extent of the conflict for those matters.

5. Subscription, billing, and cancellation

Access to the paid Service is provided on a monthly subscription basis at the price published at checkout. Subscriptions renew automatically each month until cancelled. You manage and cancel your subscription through the Polar customer portal, which is linked from your BankChangeGuard dashboard, or by contacting Polar support where available. Cancelling stops future renewals and takes effect at the end of the current billing period unless Polar or applicable law provides otherwise. Fees already paid are non-refundable after the billing period begins, except where required by applicable law, handled under Polar's buyer terms, or where a mandatory consumer withdrawal right (such as an EU, UK, or other statutory withdrawal right) applies.

6. Right to access the hosted Service

Subject to these Terms and payment of applicable fees through the Merchant of Record, we grant you a limited, non-exclusive, non-transferable, revocable right to access and use the hosted BankChangeGuard Service during your subscription term for your internal business purposes. No software is sold or transferred to you, and nothing is installed on your systems. We reserve all rights not expressly granted.

7. Acceptable use and restrictions

You will not, and will not permit any third party to:

  • Attempt to reverse engineer or derive the underlying structure of the Service, except to the extent that restriction is prohibited by applicable law.
  • Resell, sublicense, rent, lease, or otherwise commercially exploit access to the Service beyond using it to support your own and your clients' bookkeeping operations.
  • Use the Service to verify accounts for, or send verification emails to, any third party without that third party's authorization.
  • Present any audit record produced by the Service as payment authorization, or rely on the Service as the sole basis for releasing a payment.
  • Interfere with the integrity, performance, or security of the Service or attempt to bypass any rate limits.
  • Use the Service in violation of applicable law, including U.S. financial regulations, payment-network rules, and anti-spam laws.

8. Customer Data and your representations

As between you and BankChangeGuard, you own all data you submit to the Service, including connected QuickBooks Online data, vendor names and contact emails, account last-four values you enter, and verification responses ("Customer Data"). You grant BankChangeGuard a limited license to host, process, and display Customer Data solely to provide and support the Service. Our handling of Customer Data is described in the Privacy Policy and, where we act as a processor, in the Data Processing Addendum.

You represent and warrant that you have all rights, authority, and a valid legal basis to provide Customer Data, including vendor personal data, and to instruct us to contact the vendor contacts you designate, and that such contact data is accurate. As between the parties, you are the controller of the vendor data you bring into the Service and are responsible for any notices and lawful bases required for our processing on your behalf, and for your own and your clients' internal controls and payment decisions.

9. Data Processing Addendum

To the extent BankChangeGuard processes personal data on your behalf (including vendor contact data and verification responses), the BankChangeGuard Data Processing Addendum is incorporated into and forms part of these Terms. If there is a conflict between these Terms and the Data Processing Addendum regarding the processing of personal data, the Data Processing Addendum controls.

10. Third-party services

The Service integrates with Intuit QuickBooks Online via the Intuit Developer Platform. Your use of QuickBooks Online is governed by Intuit's own terms of service, and BankChangeGuard is not affiliated with Intuit, Inc. The Service relies on the subprocessors listed on our Subprocessors page, which we may update with notice as described in our Privacy Policy and the Data Processing Addendum.

11. Not a bank or payment processor

BankChangeGuard is not a bank, financial institution, payment processor, money transmitter, money services business, accounting firm, law firm, compliance advisor, insurance advisor, auditor, or Nacha certification body, and providing the Service does not make us any of these. We do not hold, receive, transmit, or have custody of funds, and we do not originate, authorize, or settle any payment. The Service provides workflow and recordkeeping tools only.

12. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

The Service does not determine whether any vendor, bank account, payment instruction, ACH transaction, or payment release is legitimate or safe. BankChangeGuard does not guarantee that the Service will prevent fraud, detect compromise, identify all suspicious activity, or satisfy the requirements of any bank, insurer, auditor, regulator, Nacha participant, court, or payment-network, or make any payment safe to release. Email callback to a previously-verified contact is a documented workflow control, not independent bank-account ownership verification. Nothing in the Service or in any audit record constitutes legal, accounting, financial, regulatory, insurance, audit, or payment advice. You are solely responsible for deciding whether to release, hold, escalate, or re-verify any payment.

13. Audit records and no third-party reliance

Each audit record (including any audit PDF) reflects only the workflow steps BankChangeGuard performed based on data you provided. It does not prove that the responding person was authorized, that an email account was uncompromised, that a bank account belongs to a vendor, that you should release payment, or that the record will be accepted by any court, insurer, auditor, bank, regulator, or Nacha participant. No audit record guarantees admissibility, insurer acceptance, Nacha compliance, or litigation value.

BankChangeGuard makes no representation to any person other than its contracting Customer, and accepts no liability to any party other than its contracting Customer, whose remedies are limited as set out in Section 14. No third party (including any bank, insurer, auditor, regulator, court, or your clients) should rely on any audit record as proof that any payment is legitimate or authorized. If you share an audit record with a third party, you are responsible for that disclosure and for any further processing of the personal data it contains.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BANKCHANGEGUARD WILL NOT BE LIABLE FOR ANY PAYMENT-RELEASE DECISION, ACH LOSS, WIRE LOSS, BUSINESS EMAIL COMPROMISE LOSS, VENDOR-IMPERSONATION LOSS, INSURANCE-COVERAGE DECISION, AUDIT OUTCOME, REGULATORY FINDING, OR THIRD-PARTY CLAIM ARISING FROM YOUR USE OF OR RELIANCE ON THE SERVICE OR ANY AUDIT RECORD.

BANKCHANGEGUARD'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE, THESE TERMS, OR ANY AUDIT RECORD WILL NOT EXCEED THE AMOUNTS PAID BY YOU FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. IN NO EVENT WILL BANKCHANGEGUARD BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, LOST PROFITS, LOST REVENUE, LOSS OF GOODWILL, LOSS OF DATA, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud or fraudulent misrepresentation, willful misconduct, gross negligence where not waivable, death or personal injury caused by negligence, or any non-waivable statutory consumer or data-protection rights and remedies.

15. Indemnification

You will defend, indemnify, and hold harmless BankChangeGuard and its personnel and agents from and against claims, losses, liabilities, damages, penalties, costs, and expenses, including reasonable attorneys' fees, arising from or related to:

  • your Customer Data or your instructions;
  • your payment-release, payment-hold, vendor-approval, vendor-rejection, or compliance decisions;
  • your use, disclosure, or submission of any audit record or Service output to a bank, insurer, auditor, regulator, court, client, or other third party, and any reliance by your clients on that output;
  • your failure to obtain required rights, consents, authorizations, notices, or lawful bases for data you provide to the Service, or your failure to notify vendors or clients;
  • your use of QuickBooks Online or any other third-party service;
  • chargebacks, refunds, disputes, or payment complaints caused by your misuse or misrepresentation of the Service; and
  • your violation of applicable law, payment-network rules, bank requirements, or third-party rights.

We will give you prompt notice of the claim, allow you to control the defense (with counsel reasonably acceptable to us), and cooperate at your expense; you will not settle any claim in a way that admits liability for us or imposes a non-monetary obligation on us without our prior written consent.

16. Confidentiality

Each party may receive non-public information of the other that is marked or reasonably understood to be confidential ("Confidential Information"), including Customer Data and the verification and audit-trail data processed by the Service. Each party will use the other's Confidential Information only to perform under these Terms and will protect it with at least reasonable care. This obligation does not apply to information that is or becomes public through no fault of the receiving party, was already known without a duty of confidentiality, or is required to be disclosed by law (with notice where lawful).

17. GLBA and covered customers

BankChangeGuard is not a bank, lender, payment processor, money transmitter, or financial institution solely by providing the Service. Some customers may be subject to the Gramm-Leach-Bliley Act, the FTC Safeguards Rule, bank requirements, professional obligations, or client confidentiality duties. You are responsible for determining whether your use of the Service satisfies your obligations. BankChangeGuard will provide reasonable security documentation to support your vendor due diligence but does not certify GLBA compliance.

18. Term and termination

These Terms remain in effect for the duration of your active subscription. Either party may terminate as described in Section 5. BankChangeGuard may suspend or terminate your access immediately for material breach of these Terms, including non-payment. Before deletion, and for a reasonable window after termination, you may export your Customer Data and download previously generated audit records, subject to the retention terms in the Privacy Policy. Sections 2, 8, 9, 11, 12, 13, 14, 15, 16, 17, 19, 20, and 21, and any accrued payment obligations, survive termination; the license in Section 8 survives only as needed to complete deletion or return of Customer Data and the post-termination export window.

19. General (boilerplate)

  • Severability. If any provision of these Terms is held unenforceable, it will be modified to the minimum extent necessary or severed, and the remaining provisions will stay in full force.
  • Entire agreement.These Terms, together with the Privacy Policy and the Data Processing Addendum, are the entire agreement between you and us regarding the Service and supersede prior agreements on that subject. Your purchase and billing are separately governed by the Merchant of Record's terms.
  • Assignment. You may not assign these Terms without our consent. We may assign these Terms to a successor entity in connection with a reorganization, incorporation, merger, or sale of the business.
  • Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control.
  • Notices. We may give notice by email to your registered address or by posting on the Service. You may give notice to legal@bankchangeguard.com.
  • Waiver. A failure to enforce any provision is not a waiver of that provision.

20. Governing law and dispute resolution

These Terms are governed by the laws of the Islamic Republic of Pakistan, where the operator is currently based, without regard to its conflict-of-laws rules, and the courts located there have jurisdiction. This reflects the operator's current sole-proprietor posture and will be updated when an operating entity is formed. Nothing in these Terms limits any non-waivable rights or remedies available under the law of the jurisdiction where the customer is legally entitled to those protections.

21. Changes to these Terms

We may update these Terms from time to time. We will give at least 30 days' notice of material adverse changes by email to your registered address and by posting on this page with a revised "Last updated" date. Material changes take effect no earlier than 30 days after notice, apply prospectively only, and do not affect disputes that have already arisen. If you do not agree to a material change, you may cancel before the effective date, and continued use after the effective date constitutes acceptance, unless an immediate change is required by law or for security reasons.

22. Contact

Questions about these Terms may be sent to legal@bankchangeguard.com.