Base terms for a financial product.

Tario helps manage accounting, electronic invoicing, documents, reports, and operational information. It does not replace accounting, tax, or legal advice.

You may use Tario if you are at least 18 years old and have authority to bind the company you register. By creating an account you accept these terms and our privacy policy.

Each company is responsible for the users it invites, the permissions it grants them, and what they do inside its account.

Final review, tax treatment, Hacienda filing, and financial decisions remain with the user and their authorized professionals.

Tario generates, signs, and sends electronic documents to the Dirección General de Tributación (Hacienda) using the information and certificate you upload. You remain the taxpayer of record: the accuracy of the data, your economic activity, CABYS codes, IVA rates, and the decision to issue, accept, or reject each document are yours.

Tario checks every document before sending it to avoid rejections, but the final answer comes from Hacienda. A document rejected by Hacienda is not issued; Tario notifies you so you can correct it.

Hacienda may be saturated, unavailable, or change its rules without notice. Tario does not control that availability and is not responsible for delays caused by Hacienda. When we detect an outage, Tario lets you issue in contingency mode and resends pending documents once the service is back; you are responsible for checking that they are accepted within the legal deadline.

When Hacienda publishes regulatory changes we update Tario within a reasonable time. Meanwhile you remain responsible for meeting your tax obligations, by other means if necessary.

Some functions depend on external payment, communication, artificial intelligence, or banking services. Availability may vary by country, provider, and configuration.

To issue documents you upload your cryptographic key (.p12 certificate), its PIN, and your Hacienda API credentials to Tario. We store them encrypted, in private storage, and use them only to sign and transmit your documents. We never display them on screen or share them with third parties.

You are responsible for obtaining and renewing your certificate and credentials on the Hacienda website, for keeping your password and API tokens safe, and for notifying us immediately if you suspect unauthorized access. We recommend enabling two-step verification.

If you delete your credentials from Tario or revoke them at Hacienda, your account can no longer issue documents until you upload new ones.

The data you upload to Tario is yours. You authorize us to process it only to provide the service, keep it secure, and comply with the law.

You can export your invoices, expenses, XML documents, journal entries, and reports at any time from the application.

Costa Rican law requires keeping electronic documents and accounting records for at least five years (Código de Normas y Procedimientos Tributarios, article 109, and the Electronic Documents Regulation, Executive Decree 44739-H, article 22). Tario keeps your electronic documents and Hacienda's responses for that period even if you cancel your subscription, so you can download them. That retention does not replace your own duty to keep backups.

When you cancel your subscription your company switches to read-only mode: you can sign in to download and export, but not to issue. You can ask us to delete the data the law does not require us to keep by writing to hola@tario.io.

Some Tario functions use artificial intelligence models: the assistant, draft generation, expense classification, and automations. The AI proposes and you review: no accounting or tax change is applied without your confirmation.

We use the models through OpenRouter with a zero data retention policy. Every request requires the model provider not to keep your data or use it for training; if no provider meets that condition for the requested model, the request is not sent. Tario never trains models on your data.

You can turn off each AI automation separately and set a monthly credit cap for it from your company settings.

AI responses may contain errors or omissions. They do not replace an accountant's review or professional advice.

We work to keep Tario continuously available, but we do not guarantee uninterrupted service. There may be scheduled maintenance (announced in advance when possible), provider failures, or events beyond our control.

We take periodic backups of the database and files to recover the service after an incident. Backups are not a way to recover information you deleted on purpose.

Prices for plans, add-ons, and credit packages are published in United States dollars (USD) and exclude Value Added Tax (IVA). Applicable IVA is added to every charge at the time of billing.

Plans and add-ons are billed per company for the chosen monthly or yearly period.

Subscriptions renew automatically at the end of each period until you cancel. You can cancel at any time from Billing; cancellation takes effect at the end of the period already paid and that time is not refunded, unless applicable law provides otherwise.

If we change the price of a plan or add-on we will notify you at least 30 days in advance by email or inside the application. The new price applies from the next renewal.

If a charge fails we will notify you so you can update the payment method. While the subscription is not current we may limit functions such as issuing new documents, without deleting your data.

Credits included in the plan renew at the start of each monthly period. Unused plan credits do not carry over to the next period.

Credits purchased in packages do not expire while the company account remains active.

Usage is deducted first from plan credits and then from purchased credits, in the order they were purchased.

AI automations also consume credits on every run that calls a model. Your company settings show the estimated usage of each one and let you set a monthly cap or turn it off.

Tario does not make automatic credit purchases. Packages are purchased only at the customer's decision.

Credits are non-refundable and non-transferable between companies, unless applicable law provides otherwise.

Credits are deducted based on what the model provider charges us for each call, including calls that fail after being processed; we do not charge for calls the provider did not execute.

Tario POS is an add-on contracted per company and billed monthly or yearly, in addition to the active Tario plan.

The subscription includes 1 location and up to 3 terminals. Additional locations are billed separately, each with its own included terminals.

Documents issued from Tario POS are subject to a fair use policy of up to 10,000 documents per month per company. If usage consistently exceeds that volume, Tario may contact the customer to move them to a custom plan.

Card payments from the merchant's customers are processed through the customer's own ONVO merchant account. Those payments, their fees, and the relationship with ONVO are the customer's responsibility and are separate from the Tario subscription.

You may not use Tario for illegal activities, to issue documents for fictitious transactions, to attempt to access other companies' data, or to overload, breach, or resell the service without authorization.

We may suspend an account when there is a security risk, a serious breach of these terms, or non-payment. We will notify you and, except in cases of fraud or imminent risk, give you the opportunity to fix it. Suspension does not delete your data.

Tario is provided as is. To the extent permitted by law, we are not liable for indirect losses (for example fines, interest, lost profits, or loss of business) arising from errors in the data you uploaded, decisions made with the system's information, or the unavailability of third-party services such as Hacienda, banks, or payment processors.

Our total liability to you for any claim is limited to what you paid Tario in the twelve months before the event giving rise to it, without prejudice to the rights the law grants you as a consumer.

We may update these terms. We will publish the new version on this page with its date and, if the change is significant, notify you by email or inside the application. If you keep using Tario after the effective date, you accept the updated terms.

These terms are governed by the laws of the Republic of Costa Rica. Any dispute will be resolved before the courts of San José, Costa Rica, without prejudice to the rights you may have as a consumer.