Terms of Service

1. Agreement to Terms

By accessing or using the MainStreetCFO platform ("Service") operated by MainStreet CFO, Inc., a Delaware corporation ("MainStreetCFO," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service. These Terms constitute a legally binding agreement between you and MainStreetCFO.

2. Description of Service

MainStreetCFO provides AI-powered financial analytics, cash flow forecasting, margin analysis, alerts, and business intelligence tools designed for small and medium-sized businesses. The Service analyzes financial data you provide to generate insights, forecasts, and recommendations.

3. Important Financial Disclaimer

4. Account Registration

To use the Service, you must:

• Be at least 18 years of age
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Be authorized to connect the financial accounts you link to the Service
• Notify us immediately of any unauthorized use of your account

You are responsible for all activity that occurs under your account. We reserve the right to suspend or terminate accounts that violate these Terms.

5. Authorized Use of Financial Data

By connecting your financial accounts or uploading financial data, you represent and warrant that:

• You are the owner of or are authorized to access the financial accounts and data you provide
• You grant us permission to access, retrieve, and process this data solely to provide the Service
• The data you provide is accurate to the best of your knowledge

We access your financial data in read-only mode. We cannot initiate transactions, move funds, or make changes to your connected accounts.

6. Subscription & Billing

The Service is offered on a subscription basis. By subscribing, you agree to pay the applicable fees for your selected plan. Key billing terms:

• Subscriptions are billed monthly or annually as selected
• Fees are non-refundable except as required by law or at our sole discretion
• We may change pricing with 30 days' notice to existing subscribers
• Failure to pay may result in suspension or termination of your account
• You may cancel your subscription at any time; cancellation takes effect at the end of the current billing period

7. Free Trials & Promotions

We may offer free trials or promotional pricing at our discretion. At the end of a free trial, your account will automatically convert to a paid subscription unless you cancel before the trial ends. We will notify you before any charges are applied.

8. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable laws
• Attempt to gain unauthorized access to the Service or its related systems
• Reverse engineer, decompile, or disassemble any part of the Service
• Use the Service to process data belonging to third parties without their authorization
• Resell, redistribute, or sublicense the Service without our written consent
• Interfere with or disrupt the integrity or performance of the Service
• Upload malicious code, viruses, or harmful files
• Use automated means to scrape or extract data from the Service

9. Intellectual Property

The Service, including all software, algorithms, designs, text, graphics, and other content, is owned by MainStreetCFO and is protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable, non-sublicensable license to use the Service for your internal business purposes during your subscription.

We may collect aggregated, anonymized usage data (e.g., performance metrics, feature-adoption statistics) to operate, secure, and improve the Service. Such aggregated data does not identify you or your business and is not Customer Data (see Section 10).

10. Customer Data

"Customer Data" means any data you upload to the Service, sync into the Service from a connected integration (such as QuickBooks Online, Plaid, or Gusto), or otherwise input into the Service, including financial records, transactions, invoices, employee data, datasets, and chat conversations with the in-product assistant.

You own all Customer Data. As between you and MainStreetCFO, you retain all right, title, and interest in and to your Customer Data, including any intellectual property rights. We claim no ownership over your Customer Data.

You grant MainStreetCFO a limited, non-exclusive, worldwide, royalty-free license to access, store, process, transmit, and display Customer Data solely as necessary to (a) provide and maintain the Service to you, (b) comply with your instructions and applicable law, and (c) prevent or address service or technical issues. This license terminates when you delete the relevant Customer Data or your account, except as required for backup retention as described in our Privacy Policy.

No AI/ML training on your data.We do not use Customer Data to train, fine-tune, or improve any AI or machine-learning model, whether ours or a third party's. Our AI sub-processors operate under no-training service-provider terms (see our Privacy Policy for the current sub-processor list).

On termination of your account, you may export your Customer Data within 30 days; after that we will delete it in accordance with our Privacy Policy retention schedule, except where retention is required by law (for example, billing records retained for tax purposes).

11. QuickBooks Online Integration

MainStreetCFO is a third-party application that integrates with Intuit's QuickBooks Online platform. Your use of the QuickBooks integration is additionally governed by Intuit's Terms of Service. By connecting QuickBooks to MainStreetCFO, you authorize us to access your QuickBooks data on a read-only basis, limited to the scopes you approve during the OAuth consent flow.

We will not write to, modify, or delete any record inside your QuickBooks company. We will not move funds, send invoices, or transact with any third party on your behalf using your QuickBooks credentials. You may disconnect QuickBooks at any time from inside MainStreetCFO or from your Intuit account, and you may request immediate deletion of all data we have synced from QuickBooks. See our Privacy Policy for details.

MainStreetCFO is not affiliated with, endorsed by, or sponsored by Intuit Inc. QuickBooks and the QuickBooks logo are trademarks of Intuit Inc. and used for identification purposes only.

12. AI-Generated Content

The Service uses artificial intelligence to generate financial insights, forecasts, alerts, and analyses. You acknowledge that:

• AI-generated content may contain errors, inaccuracies, hallucinations, or omissions
• Forecasts and projections are estimates based on historical data and are not guarantees of future results
• You are solely responsible for any decisions you make based on AI-generated content
• AI models improve over time but are not infallible and should not be relied on for decisions that require the judgment of a licensed professional
• The AI output is not investment, tax, accounting, or legal advice (see Section 3)

13. Beta and Pre-Release Services

From time to time we may offer access to features identified as "beta," "preview," "early access," or similar (collectively, "Beta Services"). Beta Services are provided on an AS IS basis, may be unstable or incomplete, and may be modified, suspended, or discontinued at any time without notice. To the maximum extent permitted by law, Beta Services are excluded from any service-level commitments, warranties, or indemnities provided elsewhere in these Terms. Your use of a Beta Service is voluntary; if you do not agree to these conditions, do not use the Beta Service.

14. Limitation of Liability

15. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components, or that any financial data, analysis, or forecast will be accurate or complete.

16. Mutual Indemnification

16.1 By MainStreetCFO (Intellectual-Property Indemnity)

MainStreetCFO will defend, indemnify, and hold harmless you and your officers, directors, employees, and agents from and against any third-party claim that the Service, when used by you in accordance with these Terms, infringes that third party's United States patent, copyright, trademark, or trade secret, and will pay any settlement amounts we agree to or final judgments awarded against you on such a claim, provided you (a) promptly notify us in writing of the claim, (b) give us sole control of the defense and settlement, and (c) provide reasonable cooperation at our expense.

If the Service becomes, or in our opinion is likely to become, the subject of a valid infringement claim, we may, at our option and expense: (i) procure a license that lets you keep using the Service; (ii) modify the Service to be non-infringing while remaining materially equivalent; or (iii) terminate the affected portion of the Service and refund any pre-paid fees for the unused remaining subscription period.

Exclusions. We have no obligation under this Section 16.1 for any claim arising from (a) your use of the Service in combination with software, services, or data not provided or recommended by us where the claim would not have arisen but for the combination; (b) modifications to the Service made by anyone other than us or our authorized agents; (c) your use of the Service after we have provided a non-infringing alternative; (d) Customer Data; or (e) Beta Services. THIS SECTION 16.1 STATES OUR ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY FOR INTELLECTUAL-PROPERTY INFRINGEMENT CLAIMS.

16.2 By You

You agree to defend, indemnify, and hold harmless MainStreetCFO and its officers, directors, employees, and agents from and against any third-party claim arising out of or in connection with (a) your Customer Data, including any claim that Customer Data infringes a third party's rights or violates applicable law; (b) your use of the Service in violation of these Terms or applicable law; (c) your breach of any representation or warranty in these Terms; or (d) the connection of an integration to the Service that you were not authorized to connect. You will pay any settlement amounts you agree to or final judgments awarded against us on such a claim, provided we (a) promptly notify you in writing of the claim, (b) give you sole control of the defense and settlement, and (c) provide reasonable cooperation at your expense.

17. Confidentiality

"Confidential Information" means any non-public information disclosed by one party (the "Discloser") to the other (the "Recipient") that is identified as confidential or that, given the circumstances of disclosure, a reasonable person would understand to be confidential. Customer Data is your Confidential Information. Information about the Service's features, performance, security, architecture, pricing, and roadmap is our Confidential Information.

The Recipient will (a) use Confidential Information only to perform under these Terms, (b) protect Confidential Information using at least the degree of care it uses to protect its own information of similar sensitivity (and in no event less than reasonable care), and (c) not disclose Confidential Information to any third party except to its employees, contractors, and sub-processors who have a need to know and who are bound by confidentiality obligations at least as protective as those in this Section.

Confidential Information does not include information that (a) is or becomes publicly known through no breach of this Section, (b) was rightfully in the Recipient's possession before disclosure, (c) is independently developed without reference to the Discloser's information, or (d) is rightfully received from a third party without confidentiality obligations.

The Recipient may disclose Confidential Information if required by law, subpoena, or court order, provided that (where legally permitted) the Recipient gives the Discloser prompt notice and reasonable cooperation in seeking a protective order.

18. Force Majeure

Neither party is liable for any failure or delay in performance under these Terms (other than payment obligations) caused by events beyond that party's reasonable control, including acts of God, natural disasters, pandemic, war, terrorism, civil disturbance, government action, internet or utility failure, third-party-cloud-provider outage (including outages of services we use such as AWS, Vercel, Supabase, or Anthropic), labor dispute, or denial-of-service attack. The affected party will use commercially reasonable efforts to resume performance promptly.

19. Termination

We may suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. Upon termination:

• Your right to use the Service ceases immediately
• You may request an export of your data within 30 days of termination
• We will delete your financial data within 30 days unless required by law to retain it
• Any outstanding fees remain due and payable

20. Dispute Resolution

Any disputes arising from these Terms or the Service shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association. The arbitration shall take place in the State of Delaware (or by remote/video proceeding if both parties agree), and the decision of the arbitrator shall be final and binding.

You agree to resolve disputes on an individual basis and waive any right to participate in a class action lawsuit or class-wide arbitration.

21. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Delaware, without regard to conflict of law principles. The federal and state courts located in Delaware shall have exclusive jurisdiction over any disputes that are not subject to the arbitration provision in Section 20.

22. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on this page and updating the "Last updated" date. For significant changes, we will notify you via email. Your continued use of the Service after changes constitutes acceptance of the updated Terms.

23. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

24. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and MainStreetCFO regarding the use of the Service and supersede all prior agreements and understandings.

25. Contact Us

If you have questions about these Terms, contact us at: