Terms of Service

IMPORTANT NOTICE
Acct4Cast is a financial reporting and forecasting tool. It does not provide financial advice, accounting services, tax advice, or investment recommendations. All reports, forecasts, and scenario outputs are informational only. Consult a licensed CPA or financial advisor before making any business decisions.

Effective Date: [05/19/2026] Version: 1.0

SECTION 1
Agreement Overview

1.1 Parties
This End-User License Agreement (the “Agreement”) is a legally binding agreement between you, the individual or business entity accessing the Service (“User,” “you,” or “your”), and Account4Cast, LLC (“Acct4Cast,” “we,” “us,” or “our”), a Washington State limited liability company. Before using the Service, confirm the entity is registered with the Washington Secretary of State. If you are operating under a different entity structure, contact us at legal@acct4cast.com before accepting these terms.
1.2 Acceptance
By registering for an account, connecting your QuickBooks Online account, or accessing any portion of the Acct4Cast dashboard at app.acct4cast.com, you agree to be bound by this Agreement in full. If you do not agree, you must not access or use the Service.
Clickwrap acceptance: During account registration you will be required to check a box confirming your acceptance. The date, time, IP address, and version of the Agreement you accepted are recorded and constitute your binding acceptance.
1.3 Service Description
Acct4Cast is a financial intelligence platform that connects to your authorized QuickBooks Online account via Intuit’s OAuth 2.0 API to retrieve financial data and generate budget-versus-actual reports, rolling forecasts, variance alerts, and scenario models. The Service operates at app.acct4cast.com on infrastructure hosted by DigitalOcean.
1.4 Entire Agreement
This Agreement, together with the Privacy Policy published at acct4cast.com/privacy, constitutes the entire agreement between you and Acct4Cast regarding the Service and supersedes all prior communications, representations, or agreements, whether written or oral.

SECTION 2
License Grant

2.1 Limited License
Acct4Cast grants you a non-exclusive, non-transferable, limited, revocable license to use the Service solely for your internal business financial analysis purposes. This license is conditional on your continued compliance with this Agreement and your active, paid subscription.
2.2 Scope
The license permits you to:
• Access the web dashboard at app.acct4cast.com
• Connect one QuickBooks Online company per subscription tier
• Generate budget-versus-actual reports, rolling forecasts, and variance alerts
• Run scenario models using the sandbox playground
• Receive automated email reports as configured in your account settings

2.3 No Sublicense
You may not sublicense, resell, or distribute access to the Service to third parties. Acct4Cast may, at its sole discretion, offer CPA Partner or white-label arrangements under separate written agreements. No such arrangement exists by default under this Agreement.

SECTION 3
Subscription and Billing

3.1 Subscription Plans
Access to Acct4Cast requires a paid subscription. Current pricing is published at acct4cast.com/pricing. Subscription fees are billed monthly in advance and processed by Stripe, Inc. By subscribing, you also agree to Stripe’s Terms of Service.
3.2 Free Trial
If a trial period is offered, its duration and terms will be communicated at signup. At the end of the trial, the Service requires a paid subscription to remain accessible. No data will be deleted immediately upon trial expiry; however, access to the dashboard will be suspended until a subscription is activated.
3.3 Cancellation
You may cancel your subscription at any time from within your account settings. Access continues through the end of the current billing period. No refunds are issued for partial months. Upon cancellation, your data is retained for 30 days to allow export, after which it is permanently deleted.
3.4 Price Changes
Acct4Cast reserves the right to modify subscription pricing. You will receive 30 days’ written notice to your registered email address before any price increase takes effect. Continued use of the Service after the effective date constitutes acceptance of the revised pricing.

SECTION 4
QuickBooks Online Integration

4.1 Third-Party Service
Acct4Cast integrates with QuickBooks Online, a service operated by Intuit Inc. By using the Service, you also agree to be bound by Intuit’s Terms of Service and API License Agreement. Acct4Cast does not own or control QuickBooks or its services and is not responsible for any changes, limitations, or discontinuations of the QuickBooks API.
4.2 OAuth Authorization and Scope
You authorize Acct4Cast to access your QuickBooks Online financial data using OAuth 2.0 credentials. This authorization is scoped to read-only access of the following data:
• Profit and Loss reports (income, expense, net income by category)
• Balance Sheet data
• Budget data (where your QB plan includes budgets)
• Transaction-level data required for variance and forecast calculations

Acct4Cast does not initiate transactions, modify records, or access data outside the authorized scope. You may revoke this authorization at any time from within QuickBooks Online or your Acct4Cast account settings.
4.3 Your QB Subscription Requirement
You must have a valid QuickBooks Online subscription to use the integration. Acct4Cast is not liable for any interruption to the Service caused by changes, outages, or API deprecations on Intuit’s platform.
4.4 Token Management
Acct4Cast automatically refreshes your QuickBooks OAuth access tokens to maintain an uninterrupted connection. Tokens are stored encrypted in the Acct4Cast database and are never exposed in API responses, log files, or client-side code. If you revoke access from within QuickBooks Online, the Acct4Cast connection will terminate and financial data will no longer sync.
4.5 Data Ownership
Acct4Cast does not claim ownership of your QuickBooks data. Your financial data belongs to you at all times. Acct4Cast has a limited license to process and display that data solely to provide the Service to you. You are responsible for ensuring you have the legal right to access and use the data in your QuickBooks account.

SECTION 5
Acceptable Use

You agree not to:
• Use the Service for any purpose other than your own internal business financial analysis
• Attempt to reverse-engineer, decompile, or extract the source code of the Service
• Share your login credentials with unauthorized parties
• Use the Service to process financial data belonging to companies other than your own without a CPA Partner agreement
• Circumvent, disable, or interfere with any security or rate-limiting features of the Service
• Use the Service in any way that violates applicable law, Intuit’s API usage policies, or these terms
• Attempt to access another user’s data or the underlying database infrastructure
• Use automated scripts or bots to interact with the Service in a manner that exceeds normal usage patterns

SECTION 6
Intellectual Property

6.1 Acct4Cast IP
All software, algorithms, UI design, brand assets, documentation, methodology, and Rate of Climb technology underlying the Service are the intellectual property of Account4Cast, LLC. Nothing in this Agreement transfers any ownership rights to you. You may not copy, reproduce, or create derivative works based on the Service.
6.2 Your Data
All financial data retrieved from your QuickBooks account belongs to you. Acct4Cast has a limited license to process and display that data solely to provide the Service. This license terminates when your subscription ends or when you revoke QuickBooks access authorization.
6.3 Feedback
Any feedback, suggestions, feature requests, or ideas you submit regarding the Service may be used by Acct4Cast to improve the product without any obligation or compensation to you. You waive any claim to intellectual property rights in such feedback.

SECTION 7
Disclaimers

7.1 Not Financial Advice
IMPORTANT: The reports, forecasts, scenarios, and alerts generated by Acct4Cast are informational tools only. They do not constitute financial advice, accounting services, tax advice, or investment recommendations. You should consult a qualified, licensed CPA or financial advisor before making any business decisions based on information displayed in the Service.
7.2 No Guarantee of Accuracy
Acct4Cast makes reasonable efforts to provide accurate calculations and reports. However, it is not practically possible to produce software that works error-free in every situation. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. ACCT4CAST EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
7.3 Third-Party Data Dependency
The accuracy of all reports depends on the accuracy of the underlying data in your QuickBooks Online account. Acct4Cast is not liable for errors in data retrieved from QuickBooks, errors resulting from incorrect or incomplete data in your QB account, or financial or business losses resulting from integration failures, API outages, or misuse of the Service.
7.4 Force Majeure
Acct4Cast shall not be liable for any delay or failure in performance resulting from causes beyond its reasonable control, including but not limited to QuickBooks API unavailability, DigitalOcean infrastructure failures, internet outages, acts of God, or third-party service interruptions.

SECTION 8
Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ACCT4CAST’S TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM OR RELATED TO THIS AGREEMENT OR THE SERVICE SHALL NOT EXCEED THE TOTAL SUBSCRIPTION FEES PAID BY YOU IN THE THREE MONTHS IMMEDIATELY PRECEDING THE CLAIM.

ACCT4CAST SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOST DATA, OR BUSINESS INTERRUPTION, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF ACCT4CAST HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Some jurisdictions do not allow the exclusion or limitation of implied warranties or liability for incidental or consequential damages. In those jurisdictions, Acct4Cast’s liability is limited to the maximum extent permitted by applicable law.

SECTION 9
Termination

9.1 Termination by You
You may terminate this Agreement at any time by canceling your subscription and disconnecting the QuickBooks integration from within your account settings at app.acct4cast.com/settings.
9.2 Termination by Acct4Cast
Acct4Cast may suspend or terminate your access to the Service, with or without notice, if you violate any term of this Agreement, if your subscription payment fails and is not resolved within 7 days, if QuickBooks changes its API terms in a way that requires termination of your access, or for any other reason at Acct4Cast’s sole discretion with 30 days’ notice.
9.3 Effect of Termination
Upon termination for any reason, your access to the dashboard will be revoked. Acct4Cast will retain your data for 30 days following termination to allow you to export it. After 30 days, all data associated with your account will be permanently deleted from all production systems and backups. Termination does not relieve you of any payment obligations accrued before the termination date.

SECTION 10
Governing Law and Disputes

10.1 Governing Law
This Agreement is governed by the laws of the State of Washington, without regard to its conflict of law principles.
10.2 Arbitration
Any disputes arising from or related to this Agreement shall be resolved through binding arbitration in Spokane County, Washington, administered under the rules of JAMS or AAA at Acct4Cast’s election. Either party may seek injunctive or other equitable relief in a court of competent jurisdiction to protect intellectual property rights without first resorting to arbitration.
10.3 Arbitration Opt-Out
Arbitration Opt-Out Right
You may opt out of binding arbitration within 30 days of first accepting this Agreement by sending written notice to legal@acct4cast.com with the subject line “Arbitration Opt-Out.” Opting out does not affect any other provision of this Agreement.

10.4 Class Action Waiver
Any arbitration or court proceeding shall be conducted on an individual basis only. You waive any right to bring or participate in a class action, class arbitration, or consolidated proceeding.

SECTION 11
Modifications

Acct4Cast reserves the right to update this Agreement at any time. Changes will be posted at acct4cast.com/terms with an updated effective date and version number. For material changes, you will receive email notice to your registered address at least 14 days before the change takes effect. Continued use of the Service after the effective date constitutes acceptance of the revised terms. If you do not agree to the revised terms, you must cancel your subscription before the effective date.

SECTION 12
General Provisions

12.1 Severability
If any provision of this Agreement is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.
12.2 Waiver
Acct4Cast’s failure to enforce any provision of this Agreement shall not constitute a waiver of its right to enforce that provision in the future.
12.3 Assignment
You may not assign or transfer this Agreement or any rights under it without Acct4Cast’s prior written consent. Acct4Cast may assign this Agreement in connection with a merger, acquisition, or sale of substantially all of its assets, with notice to you.
12.4 Notices
Notices from Acct4Cast to you will be delivered to your registered email address. Notices from you to Acct4Cast must be sent to legal@acct4cast.com. Notices are effective upon confirmed delivery.