These terms govern your use of Marbles, the cloud accounting platform operated by Covalent API Pty Ltd (ABN 65 652 751 598), a company incorporated in New South Wales, Australia.
Marbles is cloud accounting software for Australian businesses, operated by Covalent API Pty Ltd. The platform provides a double entry general ledger together with bank feeds, reconciliation, invoicing and quotes, bills and accounts payable, payroll, GST tracking, BAS-ready reporting, financial reporting and an MCP interface that allows approved AI assistants such as Claude to operate your account. Marbles uses automation and AI to perform routine accounting work inside the platform - coding transactions, matching documents, reconciling accounts, chasing invoices and preparing month end - and surfaces items requiring judgement to you.
Marbles is software. It is not a registered tax agent or BAS agent and does not provide accounting, tax, legal or financial advice. Outputs produced by the platform, including BAS figures, payroll calculations and reports, are prepared from the data connected to your account and are provided for your review. You remain responsible for the accuracy of your records and for reviewing, approving and lodging anything submitted to the ATO or another authority, or for engaging a registered agent to do so.
By creating an account you agree to these terms. If you use Marbles on behalf of a business, you represent that you have authority to bind that business.
You are responsible for the confidentiality of your login and for all activity under your account, including activity performed by team members, advisors and AI assistants you have authorised. You control who has access and what they can do through your account settings and connector permissions. Notify us immediately at hello@marbles.ltd if you suspect unauthorised access.
You must be at least 18 and operating a genuine business to use Marbles. We may suspend accounts used for unlawful purposes or in breach of these terms.
Marbles offers a Free plan and paid plans as set out on our pricing page. All prices are in Australian dollars and exclude GST, which is added at the prevailing rate; a tax invoice is issued for every payment. Paid plans are billed monthly in advance and begin with a free 14 day trial. Introductory discounts, where offered, apply for the period stated at sign-up and revert to the standard price afterwards.
The Free plan has usage limits described on the pricing page. If you exceed them we will prompt you to upgrade; we will not move you to a paid plan or charge you without your action. We may change plan pricing or features with at least 30 days written notice to active customers.
You may cancel any paid plan at any time; cancellation takes effect at the end of the current billing period. Except where required by law, fees already paid are non-refundable. We may provide refunds or credits at our discretion. Migrations and promotional offers are subject to the inclusions displayed at sign-up.
You own your data. We claim no intellectual property in the financial records, contacts, documents or other content you store in Marbles, and we process it only to provide and improve the service. You may export your data at any time using the export tools in the platform, on any plan.
Bank connections are established through the Consumer Data Right and are read only: Marbles can see account and transaction data you authorise, and cannot move money through those connections. Where you choose to connect a payments provider such as Airwallex, payments are executed by that provider under its terms and only on your explicit approval within Marbles.
Marbles integrates with third-party services including banks, payment providers, payroll engines, accounting platforms you migrate from and AI assistants. Those services are provided under their own terms and may change, become unavailable or experience errors or outages outside our control. We are not responsible for the operation of a third-party service, except to the extent required by law.
On account closure we retain your accounting records for 7 years, consistent with ATO record keeping obligations, after which they are permanently deleted. You can request earlier deletion of personal contact details at any time.
Marbles and its software, models, interfaces, designs and other intellectual property belong to us or our licensors. You may use the service for your internal business purposes while your account is active. You must not misuse the service, interfere with its operation, attempt unauthorised access, reverse engineer it except where permitted by law, or use it to break the law or the rights of others.
Marbles uses automated systems and AI models to perform accounting work. These systems can be wrong. The platform is designed to enforce accounting validity at the ledger level, uses confidence thresholds to decide what is automated and what is queued for your review, and logs every action. You are responsible for reviewing exceptions surfaced to you and for the final state of your books.
By enabling automation, you authorise Marbles to perform non-payment and non-lodgement accounting actions within the permissions and settings of your account. You can review those actions through your audit history.
Actions with financial or compliance consequences - moving money, lodging with a regulator - require explicit approval by a named person on your account. An AI assistant cannot perform those actions on its own request. Where you connect an AI assistant such as Claude through MCP, that assistant acts under the permissions you grant and its actions are recorded in your audit history.
We do not use your individual financial data to train AI models shared with other customers. Aggregated, de-identified patterns across the platform may be used to improve classification and reconciliation quality.
To the maximum extent permitted by Australian law, Marbles is not liable for indirect, incidental or consequential loss, including penalties, interest or losses arising from late or incorrect lodgements, payments made on your approval, or reliance on outputs you have not reviewed. Our aggregate liability for direct loss in any 12-month period is capped at the fees you paid in that period, or $100 for Free plan users.
Nothing in these terms excludes, restricts or modifies any consumer guarantee or other right or remedy that cannot lawfully be excluded, restricted or modified. Where permitted by law, our liability for breach of a non-excludable guarantee is limited to supplying the services again or paying the cost of having them supplied again.
You may close your account at any time from account settings. We may suspend or terminate your account immediately for breach of these terms or unlawful use, and may close inactive Free accounts after 12 months with 30 days notice.
On termination you retain export access for 30 days, after which records are archived for the statutory retention period and then deleted.
These terms are governed by the laws of New South Wales, Australia, and disputes are subject to the exclusive jurisdiction of its courts.
Marbles is operated by Covalent API Pty Ltd, ABN 65 652 751 598, Three International Towers, 300 Barangaroo Avenue, Sydney NSW 2000, Australia.
Questions about these terms: hello@marbles.ltd
These terms were last updated September 2026. We will notify active customers by email of any material changes at least 30 days before they take effect.