Welcome to FiscalInsights. By accessing or using our AI-powered financial operations platform, you agree to be bound by these Terms of Service ("Terms"). Please read them carefully.

1. Acceptance of Terms

By creating an account or using FiscalInsights, you agree to these Terms and our Privacy Policy. If you do not agree, do not use our services. You must be at least 18 years old and have the legal authority to enter into these Terms.

2. Description of Service

FiscalInsights provides an AI-powered financial operations platform that includes:

• Automated expense categorization and tracking
• Cash flow forecasting and management
• Invoice creation and management
• Bank account integration and transaction syncing
• Financial reporting and analytics
• Tax estimation and preparation assistance

3. Account Registration

To use our services, you must:

• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Promptly update any changes to your information
• Accept responsibility for all activities under your account

4. Subscription and Payment

Pricing

Our subscription plans are billed monthly or annually as indicated at the time of purchase. Prices are subject to change with 30 days' notice.

Free Trial

We offer a free trial period for new users. At the end of the trial, you will be charged unless you cancel before the trial ends.

Refunds

We offer a 30-day money-back guarantee for annual subscriptions. Monthly subscriptions are non-refundable but can be cancelled at any time.

5. Acceptable Use

You agree not to:

• Use the service for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the service
• Upload malicious code or content
• Resell or redistribute the service without permission
• Use the service to compete with FiscalInsights

6. Intellectual Property

FiscalInsights and its licensors own all rights to the platform, including software, algorithms, designs, and content. You receive a limited, non-exclusive license to use the service for your business purposes.

You retain ownership of your data. By using our service, you grant us a license to process your data to provide the service and improve our AI models using anonymized, aggregated data.

7. AI and Automation Disclaimer

Important: FiscalInsights uses artificial intelligence to provide financial insights and automation. While we strive for accuracy:

• AI-generated insights are not financial, tax, or legal advice
• You should verify important financial decisions with a qualified professional
• We do not guarantee the accuracy of categorization or forecasts
• You are responsible for reviewing and approving all transactions and reports

8. Limitation of Liability

To the maximum extent permitted by law, FiscalInsights shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities.

Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim.

9. Indemnification

You agree to indemnify and hold harmless FiscalInsights and its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of the service or violation of these Terms.

10. Data and Security

We implement industry-standard security measures to protect your data. However, no system is completely secure. You acknowledge the inherent risks of transmitting data over the internet.

11. Third-Party Integrations

Our service integrates with third-party providers (e.g., Plaid, Stripe). Your use of these integrations is subject to their respective terms and privacy policies. We are not responsible for third-party services.

12. Termination

You may cancel your subscription at any time. We may suspend or terminate your account for violation of these Terms or for any reason with notice. Upon termination, you may export your data within 30 days.

13. Changes to Terms

We may modify these Terms at any time. Material changes will be communicated via email or platform notification at least 30 days in advance. Continued use after changes constitutes acceptance.

14. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Any disputes shall be resolved in the state or federal courts located in San Francisco County, California.

15. Contact Information

For questions about these Terms, contact us at:

• Email: legal@fiscalinsights.com
• Address: FiscalInsights Inc., 548 Market Street, Suite 35000, San Francisco, CA 94104