Terms of Service
Effective October 25, 2026 · Last updated October 25, 2026
IMPORTANT — These Terms contain a binding arbitration agreement and a class action waiver (Section 18). Please read them carefully.
1. Acceptance of these Terms
These Terms of Service (“Terms”) form a legally binding agreement between you (and the entity you represent) and Arrow CFO LLC, a Florida limited liability company, which provides the ChartOfAccounts.ai service (“ChartOfAccounts.ai,” “we,” “us,” or “our”).
By creating an account, clicking “I agree,” subscribing, purchasing credits, or using any part of the ChartOfAccounts.ai services (the “Service”), you agree to be bound by these Terms and our Privacy Policy, Acceptable Use Policy, Refund Policy, Cookie Policy, and (where applicable) our Data Processing Addendum (collectively, the “Agreement”).
If you do not agree to the Agreement, do not use the Service. If you accept on behalf of an entity, you represent and warrant that you have authority to bind that entity.
2. Changes to these Terms
We may update these Terms from time to time. If we make material changes, we will post them here at least 30 days before they take effect and email account holders where we can. We send that email by hand, so check this page rather than relying on it arriving. Continued use after the effective date constitutes acceptance. If you do not agree, you must stop using the Service before the effective date and may cancel your subscription with a pro-rated refund for the unused portion of any prepaid term, as described in the Refund Policy.
3. The Service is not accounting, tax, or legal advice
This is one of the most important sections. Please read carefully.
ChartOfAccounts.ai generates AI-assisted suggestions based on general Generally Accepted Accounting Principles (GAAP) and patterns in the data you submit. Nothing produced by the Service constitutes accounting, tax, or legal advice. AI outputs may contain errors, omissions, or inaccuracies; may not reflect your jurisdiction, entity type, or regulatory requirements; are proposals only; and do not account for the full context of your business.
You are responsible for every change you apply to your books. We recommend that you check AI-generated outputs with a qualified accountant before you apply any change in QuickBooks. We expressly disclaim responsibility for any financial, legal, or tax consequence arising from your use of the Service.
4. Description of the Service
The Service currently supports:
- Importing your chart of accounts from QuickBooks Online via OAuth 2.0 (read-only)
- Uploading a chart of accounts as a CSV or Excel file
- Starting from an industry template
- Running AI-powered analysis and optimization against GAAP guidelines
- Viewing, comparing, editing, and exporting the proposed optimized chart
Features, plans, pricing, and availability may change. We may modify, suspend, or discontinue parts of the Service at any time; if a change materially reduces functionality of a paid plan, you may cancel and receive a pro-rated refund as described in the Refund Policy.
5. Eligibility and accounts
You must be at least 18 years old and have authority to enter into the Agreement. You are responsible for the security of your credentials and for all activity under your account. Notify support@chartofaccounts.ai immediately of any unauthorized access. We may suspend or terminate accounts that violate the Agreement or expose us, our users, or third parties to legal or operational risk.
6. Your data and our license to use it
You retain all rights, title, and interest in the data you upload, connect, or otherwise submit to the Service (“Customer Data”). You grant us a worldwide, non-exclusive, royalty-free license to host, copy, transmit, display, and process Customer Data solely to provide, secure, and support the Service for you.
We do not sell Customer Data. We do not use Customer Data to train AI models. See our Privacy Policy and, where the GDPR or UK GDPR applies, our Data Processing Addendum.
When you connect QuickBooks Online, you authorize us to read your chart of accounts data via Intuit’s official API. We do not write to your QuickBooks Online company file. You may disconnect at any time.
7. Acceptable Use
You agree to comply with our Acceptable Use Policy. In summary, you must not (a) use the Service unlawfully or to violate any third-party right; (b) upload data you do not have the right to submit; (c) reverse-engineer, scrape, or extract data from the Service beyond normal use; (d) attempt to circumvent billing, access controls, security, or rate limits; (e) misuse AI features to deceive, defraud, or harm any party; or (f) hold out AI-generated output as certified accounting advice.
8. Subscriptions, credits, and billing
Plans and credits. Pricing is described on the Pricing page. We currently offer subscription plans (Starter and Professional) that include a monthly allotment of credits, and one-time wallet top-up credit packs. Credits are consumed by running analyses, optimizations, and other metered features at the rates published in-product.
Authorization to charge. When you subscribe or purchase credits, you authorize us (through our payment processor, Stripe, Inc.) to charge your payment method for all fees due, including recurring fees, taxes, and applicable third-party transaction fees. Recurring fees renew automatically each billing period until you cancel.
Taxes. We do not currently collect sales tax on our prices, as stated in the Refund Policy. If that changes we will show the tax at checkout. You remain responsible for any sales, use, VAT, GST, or similar tax that applies to you, other than taxes based on our net income.
Failed payment. If a charge fails, we may suspend or downgrade your account after reasonable retry and notice. You remain responsible for amounts due.
Cancellation. You may cancel your subscription at any time from the Customer Portal or by emailing support@chartofaccounts.ai. Cancellation takes effect at the end of the current paid term; your plan continues until then.
Refunds. Refund eligibility, the 14-day money-back guarantee for first-time subscribers, refunds for the unused part of a term after a material adverse change, and how credits roll over between billing periods are governed by the Refund Policy.
Price changes. We may change pricing. We will post the new prices at least 30 days before they take effect and email account holders where we can, by hand. Price changes do not apply to a paid term you have already prepaid. You may cancel before the new price takes effect.
9. Free trials and beta features
We may offer free trials, demo accounts, or beta features. Beta and trial features are provided “AS IS” without any warranty and may be modified or discontinued at any time. Usage limits apply.
10. Intellectual property
We retain all rights in the Service, including software, design, and underlying technology. Subject to the Agreement, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your internal business purposes.
Optimized charts of accounts generated from your Customer Data are licensed to you for your own business use; you may export, share, and implement them subject to your professional review and Section 3.
You may give us feedback, suggestions, or ideas (“Feedback”). You grant us a perpetual, irrevocable, royalty-free license to use Feedback without restriction.
11. Third-party services
The Service integrates with third-party platforms including QuickBooks Online (Intuit Inc.), Stripe, Supabase, Vercel, Anthropic, and others listed in our Subprocessor List. Your use of those integrations is also subject to those providers’ own terms and privacy policies. We are not responsible for the acts or omissions of third-party providers.
ChartOfAccounts.ai is not affiliated with, endorsed by, or officially partnered with Intuit Inc. or QuickBooks. The QuickBooks integration uses Intuit’s public developer API program.
12. Disclaimer of warranties
EXCEPT AS EXPRESSLY STATED IN THE AGREEMENT, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. WE DISCLAIM ALL IMPLIED WARRANTIES INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT AI OUTPUTS WILL BE ACCURATE OR SUITABLE FOR YOUR PURPOSES.
13. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, OR DATA, OR FOR BUSINESS INTERRUPTION, TAX PENALTIES, ACCOUNTING ERRORS, OR REGULATORY VIOLATIONS, ARISING FROM OR RELATED TO THE AGREEMENT OR THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY.
EACH PARTY’S TOTAL AGGREGATE LIABILITY ARISING FROM OR RELATED TO THE AGREEMENT WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).
The limitations in this Section apply to the maximum extent permitted by law and survive termination of the Agreement. Some jurisdictions do not allow exclusion of certain damages, so the above limits may not apply to you.
14. Indemnification
You will defend, indemnify, and hold harmless Arrow CFO LLC, its affiliates, and their officers, directors, employees, and agents from any third-party claim, demand, or proceeding arising from (a) your Customer Data; (b) your violation of the Agreement, including the Acceptable Use Policy; or (c) your violation of any third-party right, including intellectual property, privacy, or accounting/tax obligations. We may assume control of any matter for which you owe indemnification.
15. Term, suspension, and termination
The Agreement starts when you first accept it and continues until terminated. You may terminate at any time by closing your account. We may suspend or terminate your access (a) if you materially breach the Agreement and do not cure within 10 days of notice; (b) to comply with law or a regulator request; (c) to address a security risk; or (d) if you fail to pay amounts due.
On termination, your right to use the Service ends immediately, and so does your access to the in-app export tools. Export the charts you want to keep before you close your account. Afterwards, email support@chartofaccounts.ai to request a copy of your data; we handle those requests by hand. What we retain after termination is described in the Privacy Policy.
16. Auto-renewal disclosure
Subscriptions are monthly and renew automatically at the end of each billing period at the then-current rate until you cancel. We do not currently collect sales tax on that rate; if that changes, the tax will be shown at checkout. We do not currently offer an annual plan. You may cancel at any time from the Customer Portal; cancellation takes effect at the end of the then-current paid term, and you will not be charged for the next term.
17. Governing law
The Agreement is governed by the laws of the State of Florida and applicable U.S. federal law, without regard to conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
18. Binding arbitration & class action waiver (US users)
PLEASE READ — Section 18 affects your legal rights. It requires you to resolve disputes through binding arbitration and waives your right to participate in a class action.
Informal resolution first. Before filing a claim, you and we agree to try to resolve any dispute informally for at least 60 days. Send a written notice to legal@chartofaccounts.ai describing the dispute and the relief sought.
Arbitration. Any dispute that is not resolved informally will be resolved exclusively by binding individual arbitration administered by the American Arbitration Association (AAA) under its AAA Consumer Arbitration Rules, seated in Miami-Dade County, Florida. The arbitrator (and not any federal, state, or local court) has exclusive authority to resolve any dispute about the interpretation, applicability, enforceability, or formation of this arbitration agreement. Judgment on the award may be entered in any court of competent jurisdiction.
Class action waiver. YOU AND WE EACH AGREE THAT DISPUTES WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S CLAIMS.
Small claims carve-out. Either party may bring an individual action in small claims court for claims within that court’s jurisdiction (currently up to $10,000 in most U.S. jurisdictions).
Injunctive relief carve-out. Either party may seek injunctive or equitable relief in court to protect intellectual property rights.
30-day opt-out. You may opt out of this arbitration agreement by emailing legal@chartofaccounts.ai within 30 days of first accepting these Terms with the subject line “Arbitration Opt-Out” and including your account email. Opting out does not affect any other part of the Agreement.
Severability. If the class action waiver is found unenforceable as to a particular claim or remedy, that claim or remedy (and only that claim or remedy) will be severed and brought in a court of competent jurisdiction in Florida; all other claims will proceed in arbitration.
19. Export, sanctions, and government use
You may not use the Service in violation of U.S. export-control or economic-sanctions laws, including by accessing the Service from an embargoed jurisdiction (currently including Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions). If you are a U.S. federal government user, the Service is provided as a “commercial item” under FAR 12.211 and 12.212.
20. Notices
We may give notice by email to your account address or by posting on our website. You may give notice to us at legal@chartofaccounts.ai.
21. Assignment
You may not assign the Agreement without our prior written consent. We may assign the Agreement in connection with a merger, acquisition, reorganization, or sale of substantially all of our assets. Any prohibited assignment is void.
22. Miscellaneous
The Agreement is the entire agreement between the parties and supersedes all prior agreements on its subject matter. If any provision is held unenforceable, the remaining provisions remain in effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable. Failure to enforce a provision is not a waiver. The parties are independent contractors; the Agreement does not create any agency, partnership, or joint venture. Headings are for convenience only.
23. Contact
Arrow CFO LLC
Legal: legal@chartofaccounts.ai
Support: support@chartofaccounts.ai