Terms of Service

BookOS provides AI-assisted financial management software for organizing financial data, tracking income and expenses, categorizing transactions, matching receipts, monitoring budgets and cash flow, and generating informational reports. BookOS provides software tools only. Users remain responsible for reviewing all outputs, maintaining accurate records, making financial decisions, and consulting qualified professionals where appropriate.

BookOS is software. It is not a CPA firm, accounting firm, law firm, tax advisor, investment advisor, payroll provider, bank, lender, escrow service, or money transmitter. BookOS does not provide tax advice, tax filing, IRS e-file services, CPA services, investment advice, wealth management, payroll services, banking, lending, escrow, money transmission, or legal services. BookOS does not hold customer funds or move money on your behalf.

You are solely responsible for:

• Reviewing all AI suggestions before relying on them.
• Verifying the accuracy and completeness of data in your workspace.
• Making your own payments, recordkeeping, reporting, and compliance decisions.
• Engaging your own accountant, bookkeeper, tax professional, attorney, investor, or advisor where appropriate.
• Securing access credentials for your workspace and any connected accounts.

BookOS makes no guarantee of accuracy, completeness, savings, tax outcomes, compliance, or financial results.

AI features generate suggestions, summaries, anomaly flags, and drafts. All AI outputs are informational only and may be incomplete or incorrect. You must review AI suggestions before they are used in records, reports, or business decisions. AI outputs do not constitute professional advice. See our AI Use Policy for details on AI data handling.

Bank connections, where available, are provided through third-party data providers you authorize directly. BookOS does not store bank login credentials or hold customer funds. We process data those providers return to us so we can organize it for you. You may revoke connections at any time. Payment and bank-data integrations, where available, are provided by third-party providers. BookOS does not hold customer funds or act as a money transmitter.

Paid plans are recurring subscriptions billed in advance through our third-party payment processor. The current processor is listed in our subprocessor list. All prices are shown on the Pricing page and at checkout in U.S. Dollars unless otherwise stated. Applicable taxes may be added.

Auto-renewal. Subscriptions automatically renew at the end of each billing period at the then-current price for your plan, unless you cancel before the renewal date.

Free trials. Where a free trial is offered, you may cancel at any time before the trial ends to avoid being charged. If you do not cancel, your subscription will convert to a paid plan at the price disclosed at signup.

Cancellation. You can cancel at any time from your workspace settings. Cancellation takes effect at the end of the current billing period; you retain access until then.

Refunds. Fees are non-refundable except where required by law or where we expressly state otherwise. You can request a refund by contacting support; we review requests in good faith and respond within a reasonable time.

Usage limits. Plans include the usage limits shown on the Pricing page. If you reach a limit we may pause or throttle features until the limit resets or you upgrade. We do not charge overage fees unless explicitly disclosed at purchase.

You must provide accurate registration information, maintain secure credentials, and control access to your workspace. You are responsible for all activity under your account. Promptly notify us if you suspect unauthorized use.

You agree to use BookOS lawfully and not to attempt to disrupt, reverse-engineer, scrape, or misuse the service. See our Acceptable Use Policy.

Our handling of your data is described in the Privacy Policy, Security overview, Subprocessors, and Data Processing page. BookOS uses reasonable, security-focused infrastructure and vendors. Some vendors may maintain independent certifications such as SOC 2; BookOS itself does not claim such certifications unless it has completed an independent audit and published it.

You may cancel at any time from your workspace settings. We may suspend or terminate access for violations of these terms, fraud, chargeback abuse, or risk to other users or the service. On termination you can export your data subject to retention policies described in our Privacy Policy.

BookOS is provided "as is" and "as available" to the extent permitted by law. We disclaim all implied warranties including merchantability, fitness for a particular purpose, non-infringement, and any warranty of accuracy, completeness, uninterrupted operation, or that AI outputs are correct or suitable for any purpose.

To the maximum extent permitted by law, BookOS is not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including penalties, interest, lost profits, missed deadlines, financial loss, professional decisions, compliance decisions, or reliance on AI-generated suggestions. Our aggregate liability for any claim is limited to the fees you paid us in the twelve months preceding the claim.

You agree to indemnify and hold BookOS harmless from claims arising out of your use of the service, your data, your violation of these terms, or your professional or financial decisions made in reliance on outputs from the platform.

We may update these terms to reflect product changes or legal requirements. We will provide reasonable notice of material changes and the effective date. Continued use after the effective date constitutes acceptance.

These terms are governed by the laws of the State of Delaware, USA, without regard to conflict of laws. Disputes shall be resolved in the state or federal courts located in Delaware, unless required otherwise by mandatory consumer-protection law in your jurisdiction.

Questions about these terms? Contact support from your workspace or via the contact details on our website.