Terms governing access to the My AI CFO website, application, and related services.

By accessing or using My AI CFO, you agree to these Terms & Conditions and any policies or supplemental terms incorporated by reference. If you use the service on behalf of a company or other entity, you represent that you have authority to bind that entity, and “you” includes both you and that entity.

If you do not agree to these terms, you must not access or use the service.

My AI CFO is intended primarily for business and professional use. You must be at least 18 years old and legally capable of entering into a binding agreement to use the service.

You are responsible for maintaining the confidentiality of your login credentials, passkeys, connected authentication methods, and any administrator accounts under your organization. You are also responsible for all activity under your account or organization workspace, whether or not specifically authorized by you.

Organization administrators are responsible for managing user roles, access rights, permissions, and the accuracy of the business and financial information uploaded or connected to the service.

Subject to these terms, we grant you a limited, non-exclusive, non-transferable, revocable right to access and use My AI CFO for your internal business purposes.

You may not, and may not permit others to:

• use the service in violation of law or third-party rights;
• reverse engineer, decompile, disassemble, copy, or create derivative works from the service except as expressly allowed by law;
• attempt to bypass access controls, quotas, rate limits, or security protections;
• interfere with the integrity, availability, or performance of the service;
• upload malicious code, harmful content, or fraudulent financial information;
• use the service to build or train competing products or models except as expressly authorized by us in writing.

My AI CFO may offer free access, beta access, trial access, and paid subscription plans. Features, usage limits, AI access levels, integrations, storage, and support levels may differ by plan.

If you subscribe to a paid plan, you agree to pay all applicable fees, charges, taxes, and overage amounts associated with your selected plan. Unless otherwise stated, subscriptions renew automatically for the same billing period until canceled.

You authorize us and our payment processors to charge your selected payment method for recurring subscription fees and applicable taxes. Fees are non-refundable except where required by law or expressly stated by us in writing.

We may change pricing, packaging, or plan features prospectively by providing reasonable notice. If payment is overdue, we may suspend or limit access to paid features until the account becomes current.

As between you and us, you retain ownership of the data, content, business context, and financial information you submit to or connect with the service (“Customer Data”). You grant us the rights necessary to host, process, transmit, analyze, and display Customer Data solely to operate, secure, improve, and support the service in accordance with our agreement with you and our privacy commitments.

Your use of My AI CFO is also subject to our Privacy Notice, which explains how we collect, use, and protect information.

You represent that you have all rights, consents, and permissions necessary to provide Customer Data to us and to authorize the service to access third-party connected systems on your behalf.

My AI CFO may provide AI-generated summaries, forecasts, categorizations, draft commentary, financial suggestions, and other machine-generated outputs. These outputs may be incomplete, inaccurate, outdated, biased, or unsuitable for your circumstances.

You are solely responsible for reviewing, validating, and approving any output before relying on it. My AI CFO does not provide accounting, bookkeeping, tax, audit, legal, investment, or fiduciary advice, and no output should be treated as a substitute for qualified professional review.

You remain responsible for your accounting records, compliance obligations, internal controls, financial reporting, and business decisions, including any action taken or not taken based on service outputs.

The service may interoperate with third-party providers such as QuickBooks, banking or financial-data services, cloud infrastructure providers, AI model providers, payment processors, and authentication providers. Your use of those third-party services may also be governed by their separate terms and privacy policies.

We are not responsible for third-party systems, outages, delays, API changes, data errors, account restrictions, connection failures, revoked tokens, or discontinued integrations. We may add, modify, suspend, or remove integrations at any time.

We and our licensors retain all right, title, and interest in and to the service, including the software, models, interfaces, branding, designs, documentation, and all related intellectual property rights. No rights are granted to you except the limited access rights expressly stated in these terms.

If you provide feedback, suggestions, feature requests, or ideas relating to the service, you grant us a worldwide, perpetual, irrevocable, royalty-free right to use and exploit that feedback without restriction or compensation to you.

You may stop using the service at any time. We may suspend or terminate your access, in whole or in part, if we believe you have violated these terms, created security risk, failed to pay fees when due, misused the service, or exposed us or others to legal or operational risk.

Upon termination, your right to use the service ends immediately. We may delete or disable access to Customer Data in accordance with our retention practices, legal obligations, and operational needs.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

We do not warrant that the service will be uninterrupted, error-free, secure, or free from loss, corruption, delays, bugs, or harmful components, or that outputs, analytics, categorizations, or forecasts will be accurate or complete.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEXT DEVELOPMENT STUDIO, INC. AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, GOODWILL, DATA, BUSINESS INTERRUPTION, OR COST OF SUBSTITUTE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) US$100.

You will defend, indemnify, and hold harmless Next Development Studio, Inc. and its affiliates, officers, directors, employees, contractors, and licensors from and against any claims, damages, liabilities, losses, judgments, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to your Customer Data, your use of the service, your violation of these terms, or your violation of any law or third-party right.

These terms and any dispute arising out of or relating to them or the service are governed by the laws of the State of California, without regard to conflict-of-law principles.

Except for claims that qualify for small claims court and claims seeking injunctive or equitable relief for misuse of intellectual property or unauthorized access to systems, any dispute or claim will be resolved by final and binding arbitration on an individual basis. The arbitration will be administered by a nationally recognized arbitration provider under its applicable commercial arbitration rules, and judgment on the award may be entered in any court of competent jurisdiction.

YOU AND WE AGREE THAT EACH MAY BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION OR PROCEEDING.

We may modify the service, discontinue features, or update these terms from time to time. If we make material changes, we may provide notice through the service, by email, or by updating the effective date above. Your continued use of the service after updated terms become effective constitutes acceptance of the revised terms.

Legal notices and questions about these Terms & Conditions may be sent to legal@myaicfo.biz.

My AI CFO is operated by Next Development Studio, Inc..