Terms of Service

1. The Service

FinanceIQ is an AI-powered financial reporting and analysis platform that connects to your Oracle NetSuite instance to deliver real-time dashboards, board-ready management reports, cash flow forecasts, scenario planning, and AI-driven insights via our Finley AI advisor.

The Service is currently offered in a phased rollout. Features may be added, modified, or removed, and performance is provided on a commercially reasonable basis. See Section 9 (Beta and Early Access).

2. Accounts

2.1 Eligibility

You must be at least 18 years old and have authority to enter into a binding contract to create an account.

2.2 Registration

To use the Service you must register for an account and provide accurate information. You are responsible for keeping your account credentials secure and for all activity that occurs under your account. Notify us immediately at contact@tryfinanceiq.com if you suspect unauthorized access.

2.3 Authorized users

You may permit additional users from your organization to access the Service under your subscription. You are responsible for the conduct of all users on your account and for ensuring they comply with these Terms.

3. Subscriptions, Fees, and Payment

3.1 Pricing

The Service is priced at $100 per connected NetSuite instance per month, with a 7-day free trial available on the first connected instance. Pricing and plan details are described at https://www.tryfinanceiq.com/.

3.2 Billing

Fees are billed monthly in advance to the payment method on file. Subscriptions automatically renew at the end of each billing cycle unless cancelled. All fees are in U.S. dollars and exclusive of applicable taxes, which you are responsible for paying.

3.3 Cancellation and prorated refunds

You may cancel your subscription at any time through the Service. Cancellation takes effect immediately, and FinanceIQ will refund the unused portion of the current billing period, prorated to the number of days remaining in that period. Refunds are processed within 30 days of cancellation to the original payment method.

3.4 Failed payments

If a payment fails, we may suspend or terminate your access until the balance is resolved.

3.5 Price changes

We may change Service fees on 30 days' prior notice. Price changes take effect at the start of your next billing period. Continued use after a price change constitutes acceptance.

4. Customer Data

4.1 Ownership

You retain all right, title, and interest in and to the data and content that you or your authorized users upload to the Service, or that FinanceIQ reads from your authorized integrations (collectively, "Customer Data"). FinanceIQ claims no ownership of Customer Data.

4.2 License to FinanceIQ

You grant FinanceIQ a limited, non-exclusive, worldwide, royalty-free license to host, store, process, transmit, and display Customer Data solely to provide and improve the Service for you and your authorized users.

4.3 NetSuite OAuth

When you connect a NetSuite instance, you authorize FinanceIQ to access your NetSuite account using the OAuth scopes you grant. You may revoke this access at any time through your NetSuite account or by disconnecting the integration in the Service. Disconnection will terminate FinanceIQ's ability to refresh data from that instance.

4.4 Aggregated and anonymized data

FinanceIQ may use aggregated, anonymized, or de-identified data derived from the Service for product improvement, analytics, benchmarking, and similar purposes, provided that such data cannot reasonably be associated with you or your organization.

5. AI Features (Finley)

The Service includes an AI-powered advisor called Finley. AI features are provided "as is" and outputs are generated by a third-party large language model provider. AI outputs may contain inaccuracies and should not be relied upon as the sole basis for financial, tax, legal, accounting, or investment decisions.

FinanceIQ does not use Customer Data to train its own AI models. Customer Data submitted to our LLM provider is not used by that provider to improve its products or train its models. The provider may temporarily retain inputs and outputs only for limited operational purposes (such as abuse monitoring and service delivery) as described in its terms. For full details, see our AI Disclosure page.

6. Acceptable Use

You agree not to:

• Use the Service in violation of any applicable law or regulation
• Reverse engineer, decompile, or attempt to derive source code of the Service
• Resell, sublicense, or commercially exploit the Service without our written authorization
• Interfere with or disrupt the Service, or attempt to gain unauthorized access
• Upload viruses, malware, or other harmful code
• Use the Service to send spam, phishing, or harassment
• Use automated means (scrapers, bots) to access the Service beyond rate limits we publish
• Use the Service to benchmark or build a competing product

We may suspend or terminate accounts that violate this Section.

7. Intellectual Property

FinanceIQ, the FinanceIQ name and logo, and all software, content, and materials made available through the service (excluding customer data) are owned by Honey Brown, LLC or its licensors and are protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service in accordance with these Terms.

Any feedback you provide to us is non-confidential and may be used by FinanceIQ without restriction or compensation.

8. Third-Party Services

The Service integrates with third-party services, including your authorized NetSuite instance, our payment processor, and our large language model provider. Your use of those services is governed by their respective terms. FinanceIQ is not responsible for third-party services or the availability of integrations with them.

9. Beta and Early Access Features

The Service is in active development. Certain features may be designated as "beta," "early access," or "preview." Such features are provided "as is" and may change or be discontinued at any time. FinanceIQ disclaims all warranties for beta features and is not liable for any damages arising from their use.

10. Term and Termination

10.1 Term

These Terms remain in effect for as long as you have an account or use the Service.

10.2 Termination by you

You may terminate by cancelling your subscription in the Service. See Section 3.3 for refund handling.

10.3 Termination by FinanceIQ

FinanceIQ may suspend or terminate your account at any time for cause, including violation of these Terms, non-payment, or fraud, or for any reason on 30 days' notice. FinanceIQ may also discontinue the Service in whole or in part.

10.4 Effect of termination

Upon termination, your right to use the Service ends. Within 30 days of termination, you may request export of your Customer Data; after 90 days, Customer Data may be permanently deleted. Sections that by their nature should survive termination (including Sections 4, 7, 11, 12, 13, 14) will survive.

11. Disclaimers

The Service is provided "as is" and "as available" without warranty of any kind. To the fullest extent permitted by law, FinanceIQ and its affiliates disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted operation.

FinanceIQ does not warrant that the Service will be error-free or that AI outputs will be accurate. You are solely responsible for decisions you make based on the Service.

12. Limitation of Liability

To the maximum extent permitted by law:

• In no event will FinanceIQ, Honey Brown, LLC, or their affiliates be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost data, or business interruption, arising out of or relating to these Terms or the Service, even if advised of the possibility of such damages.
• FinanceIQ's total cumulative liability arising out of or relating to these Terms or the Service will not exceed the greater of (a) the fees you paid to FinanceIQ in the 12 months immediately preceding the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).

Some jurisdictions do not allow the exclusion of certain warranties or limitations on liability, so the above may not apply to you in full.

13. Dispute Resolution; Arbitration; Class Action Waiver

13.1 Informal resolution first

Before initiating arbitration, you and FinanceIQ agree to attempt to resolve any dispute informally for at least 60 days. Send a written notice of dispute to contact@tryfinanceiq.com or our notice address in Section 16.7.

13.2 Binding arbitration

If the dispute is not resolved informally, you and FinanceIQ agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules and Procedures, before a single arbitrator. The seat of arbitration is King County, Washington, United States, and the language is English. Judgment on the award may be entered in any court of competent jurisdiction.

13.3 Class action waiver

You and FinanceIQ agree that each party may bring claims against the other only in individual capacity, not as a plaintiff or class member in any class, collective, or representative proceeding. The arbitrator may not consolidate claims or preside over any form of class or representative proceeding.

13.4 Exceptions

Either party may bring claims (a) in small claims court for qualifying claims, or (b) for injunctive or equitable relief to protect intellectual property rights or confidentiality, in court.

13.5 Right to opt out

You may opt out of this arbitration agreement by sending written notice to contact@tryfinanceiq.com within 30 days of first accepting these Terms, with the subject line "Arbitration Opt-Out." If you opt out, disputes will be heard in the courts described in Section 14.

13.6 Governing law

These Terms, and any dispute arising out of or relating to them, are governed by the laws of the State of Washington, United States, without regard to its conflict of laws principles. The Federal Arbitration Act governs interpretation and enforcement of the arbitration agreement.

14. Venue (for claims not subject to arbitration)

For any dispute not subject to arbitration, you and FinanceIQ agree to the exclusive jurisdiction of the state and federal courts located in King County, Washington, United States, and waive any objection to inconvenient forum.

15. Changes to the Terms

We may update these Terms from time to time. If we make material changes, we will notify you at least 30 days before they take effect by email or by posting in the Service. Your continued use of the Service after the effective date constitutes acceptance.

16. General

16.1 Entire agreement

These Terms, together with the Privacy Notice, constitute the entire agreement between you and FinanceIQ regarding the Service and supersede all prior agreements on the subject.

16.2 Assignment

You may not assign these Terms without our prior written consent. FinanceIQ may assign these Terms to an affiliate or in connection with a corporate transaction.

16.3 Severability

If any provision is found unenforceable, the remaining provisions remain in effect.

16.4 No waiver

A party's failure to enforce a provision is not a waiver of that provision.

16.5 Force majeure

Neither party is liable for failures due to events beyond reasonable control.

16.6 Independent contractors

The parties are independent contractors. Nothing in these Terms creates a partnership, agency, or employment relationship.

16.7 Notices

Notices to FinanceIQ must be sent to:

Notices to you will be sent to the email or postal address associated with your account.