Terms of Service

The short version

Orla is a tool for recording and organising your money. It is not a bank, not a broker, and not your accountant. Your bank and exchange connections are read-only, and your self-custody wallets are yours alone: Orla keeps the book, you keep the funds.

One feature is different, and we would rather say so here than bury it: if you use Orla's virtual cards, you prepay a balance that we hold in order to fund them. That section is below.

Who can use Orla

You must be old enough to form a binding contract where you live, and you must use Orla lawfully. You are responsible for what happens under your account, so keep your sign-in methods and recovery codes safe.

Your account

You are responsible for the accuracy of what you put in and for keeping your access secure. Set up two-factor sign-in and passkeys where you can. If you lose every sign-in method, we may not be able to restore access.

Crypto is non-custodial

This one matters. When you create or import a wallet in Orla, the key is generated in your browser and encrypted there with a password we never receive. We store the public address and the encrypted key file. Without that password we cannot sign for you or move those funds, and we cannot recover a lost key or password. The file is only as strong as that password, so choose a long one. Every transaction is signed by you, on your device.

Connections to exchanges, banks and creator platforms are read-only. Orla reads balances and history; it cannot move money out of them.

This section is about your wallets and connections. It does not describe the card balance, which works differently and is set out next.

Virtual cards and the balance behind them

Cards are the one place where we hold money for you, so here is exactly how it works. To fund cards in a space you send stablecoins to a wallet we operate. That top-up credits a prepaid balance for that space, and the spending limits of the cards in it can never exceed that balance. Spending on a card draws the balance down.

The cards themselves are issued by our card issuing partner, not by Orla, and their card terms apply to the card. Issuing a card requires the holder to pass the issuer's identity checks; a card can be declined or frozen by the issuer or by us where a check, the law or a sanctions rule requires it.

The prepaid balance is money you have paid us in advance for card spending. It is not a deposit, it earns no interest, and it is not protected by a deposit guarantee scheme. You can ask us to return an unspent balance at [email protected]; we may first need any live card closed, and we return it in the same asset it arrived in, net of the network fee.

Not financial, tax or legal advice

Orla shows you your own numbers and produces reports, including a FIFO capital-gains report. These are informational. They are not financial, investment, tax or legal advice, and the capital-gains figures are a calculation for your accountant to review, not a filing. Decisions about your money are yours.

Subscriptions and billing

Free is a plan you can use for as long as you like. Paid plans raise limits and add features, and a subscription belongs to you and applies across the spaces you own.

You can pay by card or in stablecoins. Billing periods run one, three, six or twelve months, paid up front, and prepaid time stacks. Card plans renew automatically until you remove the card; cancelling keeps access to the end of the paid period and then returns you to Free. Crypto payments are matched on-chain, so send the exact amount shown.

When an agent or the autopilot sends a payment by itself in a space you pay for, Orla charges a fee of 0.25% of our US dollar estimate of its value, at most $25 a payment. A purchase on an agent's card counts as such a payment. Payments you press or sign yourself carry no fee, and neither does a payment an agent asked you about and you accepted. The fee is invoiced in US dollars, separately from your plan, once a month between the 1st and the 3rd (UTC), for the previous calendar month. One invoice covers every space you pay for and includes any fees from earlier months that were not yet invoiced. If a month's fee comes to less than $1, we do not invoice it and carry it into the next month. Where we can match money that comes back to its payment (a returned payout, a transfer that fails on the network, a merchant refund), the fee on it is taken off your next invoice. An invoice is due 14 days after it is issued.

You pay each invoice by card or in USDT or USDC. If the card saved for your plan is one we charge directly (the card checkout says so when you choose it), we charge each invoice to that card no sooner than 7 days after it is issued. If the card is declined, we try again no sooner than the 10th and then the 13th day after the invoice is issued. We do not charge the card sooner than 3 days after we have emailed you that the card pays the fee, and that email has reached you; if it does not reach you, we do not charge the card and you pay in USDT or USDC. If the card is declined three times, the invoice keeps its due date and you pay it in USDT or USDC on Plans & billing. You can stop the card paying this fee at any time. The setting “Card pays the autopilot fee” on Plans & billing is on by default. When it is off, you pay each invoice in USDT or USDC on that page, and your plan keeps renewing by card. Turning it off does not reverse a charge already made or stop one already under way, and turning it on again applies from the next invoice. Removing the card stops your plan renewing and moves unpaid fee invoices to USDT or USDC. Cancelling your plan does not remove the card: we keep charging fee invoices to it until you remove it or turn the setting off.

If an invoice is not paid by its due date, payments your agents and the autopilot send wait for your confirmation in every space you pay for, until the invoice is paid. Purchases on an agent's card are not stopped, and their fee goes into the next invoice. Payments you make yourself are not held.

Prepaid time is not refunded when you cancel or when you close your account: you keep the access you paid for until it runs out. If we close or suspend your account for something you did not do, we refund the unused part. Nothing here removes a refund or withdrawal right your local consumer law gives you and does not let you waive.

A crypto payment is matched by its exact amount, so an amount that does not match is not automatically credited. If you send the wrong amount, or send after a request expired, write to [email protected] with the transaction hash and we will sort it out by hand.

Invoices you send through Orla

If you send an invoice through Orla by email, the person at that address can add a copy of it to their own book in Orla. If they already use Orla with that address confirmed, the copy reaches them when you send the invoice. If not, they can sign up with that address and confirm it, and then add the invoices Orla sent to it within the 12 months before that which are still open. Only the address in the To field counts, not an address in copy. The copy shows the amount, the lines, the payment details and the status. If you cancel the invoice or issue a credit note, their copy changes with it. If you mark it paid, their copy shows that you call it paid and stays open until they record the payment themselves.

Their book and yours stay separate. Orla copies nothing from their book into yours. Orla does not tell you whether the person has an Orla account or has added your invoice; you learn it only from what they do with the copy: if they record a payment, your invoice shows a note that the client says it has paid, and if they decline an invoice they had added to their book, you are told it was declined. Whoever controls an address and confirms it can add what was sent to it, so send invoices only to addresses you mean to bill.

This is on by default. As the owner or an admin of a space, you can turn it off in the space's settings (“Let clients add your invoices to Orla”). While it is off, your emails go out as before, new invoices reach clients who already use Orla only as an email, and invoices nobody has added yet cannot be added; turn it back on and they can be added again. A copy a recipient has already added stays in their book and still follows your cancellations and credit notes.

Acceptable use

Don't use Orla to break the law or to harm the service or other people. In particular, don't:

• use it for money laundering, fraud, or evading sanctions;
• attack, probe, or disrupt the service, or try to access data that isn't yours;
• upload malware, or content you have no right to share.

Third-party connections

When you connect a bank, exchange, wallet or other service, your use of that service is governed by its own terms. Orla is not responsible for a third party's availability, accuracy or actions.

Three of those connections say so themselves, because the platform requires it. Connecting a YouTube channel means you also agree to the YouTube Terms of Service at https://www.youtube.com/t/terms, and Google's handling of your data is governed by the Google Privacy Policy at https://policies.google.com/privacy. Connecting an Etsy shop means you also agree to Etsy's own terms for sellers. You can revoke either connection at any time, from Orla or from the platform, and revoking it stops us reading anything further. Connecting an AdMob account means the same Google Privacy Policy governs Google's handling of that data.

Availability and changes

We work to keep Orla available and accurate, but we provide it “as is”, without warranties. Some features depend on third-party integrations and may be unavailable at times. We may change or discontinue features, and we will give reasonable notice of material changes.

Limitation of liability

To the extent the law allows, Orla is not liable for indirect or consequential losses, or for losses arising from your own transactions, lost keys, or third-party services. Nothing here limits liability that cannot lawfully be limited.

Ending it

You can stop using Orla and delete your account at any time. We may suspend or close an account that breaks these terms or the law. Two things must be settled first: a shared space you solely own has to be handed over or deleted so its other members keep their data, and any live card has to be closed and its balance dealt with. The app tells you which one is blocking.

Governing law

These terms are governed by the laws of Singapore, and disputes are subject to the courts of Singapore, except where local law gives you rights that cannot be waived.

Contact

Questions about these terms? Write to [email protected].