Terms of Service
Last updated: December 2024
Welcome to PlainFinancials. By using our service, you agree to these terms. Please read them carefully.
1. Service Description
PlainFinancials provides AI-powered financial analysis tools that translate your financial data into plain English reports. Our service is designed to help business owners understand their financial position, not to replace professional accounting or financial advice.
2. Account Registration
To use certain features, you must create an account. You agree to:
- Provide accurate and complete information
- Keep your login credentials secure
- Notify us immediately of any unauthorized access
- Be responsible for all activity under your account
3. Acceptable Use
You agree not to:
- Use the service for illegal purposes
- Upload malicious content or attempt to breach security
- Share your account with others (except team features)
- Reverse engineer or copy our software
- Use automated tools to access the service
4. Subscriptions and Payments
Free Tier: Limited to 2 reports total. No payment required.
Paid Plans: Billed monthly or annually. Prices are in USD and may be subject to applicable taxes.
Cancellation: You may cancel anytime. Access continues until the end of your billing period. We do not provide prorated refunds for partial months.
Price Changes: We may change prices with 30 days notice. Existing subscriptions are honored until renewal.
5. Data and Privacy
Your privacy matters to us. Our Privacy Policy explains how we handle your data. Key points:
- Your financial data is encrypted and secure
- We do not sell your data to third parties
- You can delete your data at any time
6. AI-Generated Content
Our reports are generated using artificial intelligence. While we strive for accuracy:
- Reports are for informational purposes only
- They do not constitute professional financial advice
- You should consult qualified professionals for major decisions
- We are not liable for decisions made based on our reports
7. Intellectual Property
PlainFinancials and its content, features, and functionality are owned by us and protected by copyright and trademark laws. Your financial data remains yours. Reports generated for you are yours to use and share.
8. Limitation of Liability
To the maximum extent permitted by law:
- Our service is provided "as is" without warranties
- We are not liable for indirect, incidental, or consequential damages
- Our total liability is limited to the amount you paid us in the past 12 months
9. Indemnification
You agree to indemnify and hold PlainFinancials harmless from claims arising from your use of the service or violation of these terms.
10. Service Availability
We aim for high availability but do not guarantee uninterrupted service. We may modify or discontinue features with reasonable notice.
11. Termination
We may suspend or terminate your account if you violate these terms. You may close your account at any time. Upon termination, your right to use the service ends, but certain provisions of these terms survive.
12. Changes to Terms
We may update these terms. Continued use after changes constitutes acceptance. For significant changes, we will notify you by email.
13. Governing Law
These terms are governed by applicable law. Any disputes will be resolved through good-faith negotiation first.
14. Contact
Questions about these terms? Contact us at: