Effective May 19, 2026 · Last updated May 19, 2026
IMPORTANT — These Terms contain a binding arbitration agreement and a class action waiver (Section 18). Please read them carefully.
These Terms of Service (“Terms”) form a legally binding agreement between you (and the entity you represent) and Aero CFO, LLC, a Florida limited liability company doing business as ChartOfAccounts.ai (“ChartOfAccounts.ai,” “we,” “us,” or “our”).
By creating an account, clicking “I agree,” subscribing, purchasing credits, or using any part of the Chart of Accounts Optimizer or 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.
We may update these Terms from time to time. If we make material changes, we will provide at least 30 days’ advance notice by email or in-app notice. 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.
This is one of the most important sections. Please read carefully.
Chart of Accounts Optimizer 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 must have all AI-generated outputs reviewed and approved by a qualified accounting professional before applying any change to your live books. We expressly disclaim responsibility for any financial, legal, or tax consequence arising from your use of the Service.
The Service currently supports:
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.
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.
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.
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.
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. Prices are exclusive of taxes unless stated otherwise. You are responsible for all sales, use, VAT, GST, or similar taxes 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 unused prepaid terms after a material adverse change, and credit expiration terms are governed by the Refund Policy.
Price changes. We may change pricing with at least 30 days’ notice. Price changes do not apply to a paid term you have already prepaid. You may cancel before the new price takes effect.
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.
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.
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.
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.
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.
You will defend, indemnify, and hold harmless Aero 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.
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. You may export your Customer Data for 30 days after termination; after that period, we may delete your Customer Data in accordance with the Privacy Policy.
Subscriptions automatically renew at the end of each billing period (monthly or annually, as applicable) at the then-current rate, plus applicable taxes, until you cancel. 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. We will send you a renewal reminder email at least 7 days before any annual renewal.
The Agreement is governed by the laws of the State of Delaware 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.
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 Wilmington, Delaware. 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 Delaware; all other claims will proceed in arbitration.
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.
We may give notice by email to your account address, by in-app notice, or by posting on our website. You may give notice to us at legal@chartofaccounts.ai.
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.
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.
Aero CFO, LLC
Aero CFO, LLC — Attn: Legal, Florida, USA
Legal: legal@chartofaccounts.ai
Support: support@chartofaccounts.ai