Legal DocumentationUpdated Q1 2025

Terms of Service & Agreement Scope

Please review these Terms of Service carefully prior to utilizing the AccuFirm Financial Operating System. This document defines your legal rights, obligations, and the boundaries of platform utility for owner-led service businesses.

Effective DateJanuary 15, 2025
Applicable Service TierAll Plans & Trials
Governing JurisdictionDelaware, United States
Target AudienceOwner-led Service Entities

1. Acceptance Conditions and Governance Scope

These terms apply universally to all registered accounts, authenticated integrations, and administrative accounts configured on the AccuFirm domain and associated application APIs.

Binding Legal Agreement
By creating an account, accessing, or using AccuFirm, you enter into a legally binding contract with AccuFirm Inc.
Authorized Business Representative
You confirm that you possess the organizational and legal authority to bind your entity or practice to these terms.
Scope of Service & Software
Governs access to the financial command platform, modeling tools, integrations, and advisory coordination surfaces.
Continuous Acceptance
Continued use following documented policy updates constitutes complete acknowledgement and agreement to revised terms.

Questions regarding specific commercial contracts or enterprise addenda?

Contact our legal compliance team for inquiries regarding customized MSA execution.

Professional Services Disclosures
Compliance & Transparency

Professional Services Disclosures

Explicit statements regarding our platform operations, regulatory standing, data handling standards, and advisory boundaries.

Operational Scope
Nature of Services & Platform Scope

AccuFirm provides financial operating software, cash-flow intelligence models, and advisory workflow orchestration for owner-led businesses.

AccuFirm is a financial technology platform and management operating system. AccuFirm is not a certified public accounting firm, registered investment adviser, or direct banking institution. Analytical projections, cash-flow scores, and runway estimates represent financial intelligence simulations based on user-connected data and stated business assumptions.

Non-Fiduciary
Tax, Legal & Fiduciary Limitations

Simulations and reports generated by the platform do not constitute formal tax opinions, audit reports, or securities advice.

While AccuFirm facilitates structured collaboration with licensed CPAs, fractional CFOs, and bookkeepers, platform outputs alone do not substitute for customized legal, statutory tax filing, or formal investment advisory engagements. Users should confirm jurisdiction-specific tax strategies with their dedicated certified professional before executing corporate distributions or tax elections.

Read-Only Security
Data Connectivity & Banking Integration

Financial institution connectivity is facilitated via regulated data aggregators using encrypted, read-only protocols.

AccuFirm connects with business checking, credit, and accounting ledgers using SOC2 Type II compliant, read-only data access layers with AES-256 encryption at rest and in transit. AccuFirm does not store banking credentials, cannot initiate fund transfers, and does not hold custody of corporate deposits.

Methodology
Professional Standards & Clarity Scores

Financial Clarity Scores evaluate operating ratios and liquidity cushions against established service business benchmarks.

Performance metrics, cash flow buffer indicators, and tax readiness benchmarks are evaluated against normalized standards for owner-led service businesses generating $150,000 to $1,000,000+ in annual billings. Historical patterns and scenario models do not guarantee future liquidity or solvency outcomes.

Questions Regarding Compliance & Legal Terms?

Review full platform agreements, terms of service, and data protection policies.

AccuFirm Governance Standard • Last Updated: Q1 2025
Compliance & Platform Rules

User Obligations & Acceptable Use

Clear guidelines and security requirements designed to protect financial integrity, automated forecasting feeds, and institutional-grade data privacy across AccuFirm.

Primary Account Obligations

Requirements for all owner-led businesses, controllers, and authorized users.

Governed by Master Terms
Mandatory
Accurate Financial Reporting
Users must provide accurate, verified accounting records, revenue streams, and bank account credentials for modeling financial runway and tax readiness.
Security Standard
Account Security & Credentials
You are responsible for safeguarding login keys, multi-factor authentication tokens, and access privileges assigned to internal team members.
Compliance
Authorized Business Representation
Only authorized owners, fractional CFOs, or designated controllers may bind corporate entities to automated calculation and sync services.
Zero Tolerance

Prohibited Conduct & Misuse

To maintain regulatory compliance and secure bank communication channels, the following actions constitute immediate grounds for credential revocation and contract termination.

SEC-01

System Exploitation & Reverse Engineering

Decompiling, scraping, benchmarking without authorization, or attempting to extract proprietary cash-flow forecasting algorithms.

DAT-02

Fraudulent Data Injection

Submitting fictitious transactions, falsified tax IDs, or manipulated financial statements to artificially distort clarity scoring.

AUT-03

Unauthorized Credential Sharing

Distributing single-seat executive credentials to third-party consultants outside your contracted organization framework.

INT-04

API Abuse & Excessive Requests

Automating bulk extraction queries or flooding bank connection endpoints beyond defined rate limits and standard sync cycles.

Enforcement Framework & Details

Specific terms regarding platform access, system uptime guarantees, and suspension protocols.

Need clarification on custom integrations?

Contact our compliance and security desk for API scopes and high-volume limits.

Terms & Disclaimers

Limitation of Liability

AccuFirm is designed as an analytical financial operating system. This document outlines the legal scope, damage exclusions, and operational limitations governing platform usage.

Effective Date: January 1, 2025Version 2.4
No Fiduciary or Tax Advice
AccuFirm provides analytical intelligence and cash-flow forecasting software. Calculations do not constitute formal CPA, tax filing, or licensed legal counsel.
Aggregate Liability Cap
To the maximum extent permitted by law, AccuFirm's aggregate liability for all claims is limited to the fees paid during the prior 12-month billing period.
Third-Party Banking Feeds
We partner with secure open-banking providers. AccuFirm is not liable for upstream bank feed delays, API disconnections, or institution outages.
Business Decision Autonomy
Operational spending, tax distributions, and investment actions remain the sole responsibility and discretion of the business owner.

Statutory Provisions & Contractual Exclusions

Expand each section to review the specific legal terminology and liability boundaries.

5 Key Sections

AccuFirm operates as a financial operating system designed to aggregate, forecast, and visualize business metrics alongside personal wealth scenarios. The software outputs, clarity scores, and automated insights serve solely as informational decision-support aids. Users must independently verify statutory tax deadlines, compliance filings, and audited statements with qualified professional advisors.

Questions Regarding Our Terms?

For compliance inquiries or enterprise agreement addendums, contact our legal counsel.

Terms of Service

Billing & Subscription Terms

Clear, transparent policies regarding subscriptions, payment schedules, and account terms.

Subscription & Invoicing

Subscriptions are billed in advance on a monthly or annual recurring cycle. Invoices are generated automatically and sent to the billing contact on file.

Renewal & Cancellation

Plans renew automatically at the end of each billing period unless cancelled through your dashboard at least 24 hours prior to renewal date.

Refunds & Adjustments

Fees are non-refundable except where required by law. Tier adjustments take effect immediately with prorated balance adjustments.

Taxes & Regulatory Fees

All published pricing is exclusive of applicable state, federal, and local sales taxes, which are calculated based on your jurisdiction.

Commitment to Clear Financial Operations

If you have questions about your billing terms or need an invoice adjustment for your organization, our operations team is available to assist you.

Clarity & Transparency

Services Scope & Operating Boundaries

Clear commitments and transparent boundaries. Understand exactly how AccuFirm operates as your financial command center, and how we coordinate with your external tax and legal partners.

Included Platform Feature
Financial Command Center
Live operating system connecting accounting software, banking data, and owner accounts.
  • Dynamic runway calculators & safety buffer checks
  • Scenario simulation for hiring, raises, and capital purchases
  • Automated alerts before cash dips below comfort thresholds
Proactive Architecture
Tax Readiness & Planning
Pre-emptive clarity so quarterly vouchers and year-end filings produce zero surprises.
  • Real-time corporate tax liability estimation
  • S-Corp reasonable compensation guidance and review
  • Clean handoff packages prepared directly for your CPA
Strategic Bridge
Personal Wealth Alignment
Bridging business profits to founder net worth, real estate, and retirement capital.
  • Owner drawing safety thresholds & timeline optimization
  • Retirement vehicle capacity planning (Solo 401k, Cash Balance)
  • Target exit and liquidity milestone tracking

Detailed Scope Breakdown

A granular inventory of what falls directly within the AccuFirm platform vs. referral boundaries.

Real-Time Cash Flow Forecasting
In Scope

13-week and 12-month rolling cash runway modeling linked directly to operational bank feeds and accounts receivable.

Direct automated live syncActive SLA
Safe-to-Spend & Owner Distribution Calculation
In Scope

Algorithmic computation of retained earnings vs. safe owner distributions accounting for future tax set-asides.

Dynamic threshold alertsActive SLA
Unified Business + Personal Wealth View
In Scope

Consolidation of business equity, cash reserves, personal retirement assets, and private holdings into a single dashboard.

Weekly automatic valuation syncActive SLA
Quarterly Tax Readiness & Reserve Structuring
In Scope

Proactive estimate projections, safe harbor monitoring, and automated calculation of dedicated tax reserve account transfers.

Preparation & advisory estimatesActive SLA
Fractional CFO Strategy Reviews
In Scope

Monthly or quarterly high-touch strategic advisory sessions with a dedicated service-business financial analyst.

Standard on Growth & Enterprise tiersActive SLA
Form 1120-S / 1065 / 1040 Tax Return Filing
Boundary

Signing and submitting statutory tax returns to federal or state revenue departments.

Delivered via partner CPA or your existing preparer
Legal Contract Drafting & Formation
Boundary

Drafting operating agreements, partnership dispute documentation, or client service master agreements.

Requires qualified legal counsel
Daily Micro-Bookkeeping / Invoicing Execution
Boundary

Sending daily individual client invoices, cutting manual physical checks, or vendor collection calls.

We ingest and orchestrate accounting data, not manual entry
Discretionary Investment Management / Brokerage
Boundary

Executing stock market trades, trading securities, or selling regulated financial products.

We provide net-worth modeling, not broker services
Regulatory & Advisory Architecture

Built to Empower, Not to Confuse Responsibilities

We operate as your strategic financial intelligence layer. We deliver clean numbers, forward runway forecasts, and proactive tax estimates so you can make informed business and wealth decisions with confidence.

Frequently Asked Questions on Scope

Common questions from founders and firm owners about scope coverage.

Ready to verify your firm's financial position?

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