Terms of Service

1. Acceptance of Terms

By creating an account, connecting a QuickBooks file, or sending a message to the Finlive WhatsApp number, you agree to these Terms. If you do not agree, you must not use the Service. If you are using the Service on behalf of a business entity, you represent that you have authority to bind that entity to these Terms, and references to “you” include that entity.

These Terms incorporate by reference our Privacy Policy and any additional terms presented to you within the Service. In case of conflict, these Terms govern.

2. Service Description

Finlive is an AI-powered financial assistant that connects to QuickBooks Online via Intuit's OAuth 2.0 API and delivers financial insights via WhatsApp. The Service allows you to ask questions about your business finances in plain English and receive structured, data-backed answers in real time.

Key characteristics of the Service:

• Read-only access: Finlive accesses your QuickBooks data in read-only mode. We do not create, modify, approve, delete, or otherwise alter any data in your QuickBooks account.
• WhatsApp delivery: Responses are delivered via WhatsApp using the WhatsApp Business API. You must have a valid WhatsApp account to use the Service.
• Informational only: Finlive provides financial data summaries and observations. The Service does not provide professional financial, accounting, tax, investment, or legal advice.
• QuickBooks Online only: The Service is compatible with QuickBooks Online accounts in the United States only. QuickBooks Desktop is not supported.

3. Eligibility & Account

To use the Service, you must:

• Be at least 18 years of age.
• Have a valid, active QuickBooks Online account.
• Have a WhatsApp account linked to a valid phone number.
• Be authorized to connect your QuickBooks company file to third-party applications (i.e., you are an admin or owner of the QuickBooks account).
• Not be located in a country subject to US government embargoes or sanctions.

You are responsible for all activity that occurs under your account. You must notify us immediately at support@finlive.ai if you become aware of any unauthorized access to your account.

4. Free Trial

New users receive a 14-day free trial upon connecting their first QuickBooks company file. The free trial:

• Requires no credit card or payment information.
• Provides full, unrestricted access to all Service features.
• Automatically expires at the end of 14 days. No charges are incurred if you do not subscribe.
• May not be combined with any other promotional offer unless explicitly stated.

We reserve the right to modify or discontinue the free trial at any time for new users, without affecting trials already in progress.

5. Subscription & Billing

Following the free trial, continued access requires a paid subscription. Current pricing:

Each “business” refers to one connected QuickBooks Online company file. Prices are in US dollars and exclude applicable taxes.

• Auto-renewal: Subscriptions renew automatically at the end of each billing period unless cancelled before the renewal date.
• Cancellation: You may cancel at any time. Cancellation takes effect at the end of the current paid period. Access continues until then.
• Refunds: Fees paid are non-refundable except as required by applicable law. If you believe a charge was made in error, contact support@finlive.ai within 14 days of the charge.
• Price changes: We will provide at least 30 days' notice of any price increase to existing subscribers. Continued use after the effective date of the new pricing constitutes acceptance.
• Taxes: You are responsible for all applicable taxes, levies, or duties imposed by taxing authorities.

6. QuickBooks Integration

The Service integrates with QuickBooks Online via Intuit's official OAuth 2.0 API. By connecting your QuickBooks account, you authorize Finlive to access your QuickBooks data on your behalf in accordance with the permissions you grant during the OAuth flow.

What we access:

• Account balances and chart of accounts
• Profit & Loss statements and financial reports
• Invoices, bills, and transaction records
• Customer and vendor records
• Cash flow information
• Any other data within the QuickBooks Accounting API scope required to respond to your queries

What we do not do:

• We do not create, modify, delete, or approve any data in QuickBooks.
• We do not store complete copies of your QuickBooks database.
• We do not share your QuickBooks data with third parties for advertising, marketing, or any purpose other than delivering the Service to you.
• We do not sell your QuickBooks data to any third party.
• We do not use your individual QuickBooks data to train AI models without your explicit opt-in consent.

Your use of QuickBooks is also governed by Intuit's Terms of Service. Finlive's integration with QuickBooks is subject to Intuit's Platform Usage Policies. In the event of conflict between these Terms and Intuit's policies with respect to QuickBooks data, Intuit's policies govern.

You may revoke Finlive's access to your QuickBooks account at any time by navigating to QuickBooks Settings → Apps → Connected Apps and disconnecting Finlive. Upon revocation, we will cease accessing your QuickBooks data and will delete your OAuth tokens within 24 hours.

7. WhatsApp Delivery

The Service delivers responses via WhatsApp using Meta's WhatsApp Business API. Your use of WhatsApp is governed by Meta's Terms of Service and Privacy Policy. By using the Service, you consent to receive messages from Finlive via WhatsApp, including responses to your queries and service-related notifications (such as trial expiration notices).

Finlive is not responsible for the availability, reliability, or performance of WhatsApp. Message delivery may be delayed or fail due to factors outside our control, including WhatsApp infrastructure issues or carrier-level blocking.

You may opt out of service notifications by messaging “STOP NOTIFICATIONS” to the Finlive WhatsApp number. Note that opting out of notifications does not cancel your subscription.

8. Acceptable Use

You agree not to use the Service to:

• Violate any applicable law, regulation, or third-party rights.
• Reverse engineer, decompile, disassemble, or attempt to extract the source code, AI models, or proprietary algorithms underlying the Service.
• Automate queries at a volume that constitutes a denial-of-service attack or unreasonably burdens our infrastructure.
• Transmit false, misleading, or fraudulent information to the Service.
• Use the Service as a substitute for qualified professional financial, accounting, tax, or legal advice when such advice is required by your situation.
• Share your account access with individuals who are not authorized users of your QuickBooks account.
• Attempt to probe, scan, or test the vulnerability of our systems or circumvent security measures.

Violation of this section may result in immediate suspension or termination of your account without refund.

9. Intellectual Property

The Service, including its design, software, AI models, brand assets, website content, and documentation, is owned by Finlive Inc. and protected by copyright, trademark, and other applicable intellectual property laws. These Terms do not grant you any ownership right or license in the Service beyond the limited right to use it as described herein.

Your data: You retain full ownership of your QuickBooks data and any content you provide to the Service. By using the Service, you grant Finlive a limited, non-exclusive license to access and process your data solely to operate and improve the Service as described in our Privacy Policy.

“Finlive,” the Finlive logo, and related marks are trademarks of Finlive Inc. “QuickBooks” and “Intuit” are registered trademarks of Intuit Inc. Finlive is not affiliated with, endorsed by, or sponsored by Intuit Inc.

10. Disclaimers

Not professional advice.

The Service provides financial data summaries and observations based on your QuickBooks data. Nothing in the Service constitutes professional financial, accounting, tax, investment, legal, or business advice. Always consult a qualified professional before making significant financial or business decisions.

No warranty.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. THE ACCURACY OF RESPONSES DEPENDS ON THE ACCURACY OF YOUR UNDERLYING QUICKBOOKS DATA.

No affiliation with Intuit.

Finlive is an independent application. We are not affiliated with, endorsed by, or sponsored by Intuit Inc. or any of its subsidiaries. “QuickBooks” is a registered trademark of Intuit Inc.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FINLIVE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, BUSINESS, DATA, GOODWILL, OR SAVINGS, ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY FOR ANY CLAIMS ARISING UNDER THESE TERMS OR RELATED TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) $100 USD OR (B) THE TOTAL FEES YOU PAID TO FINLIVE IN THE 12 MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, our liability is limited to the greatest extent permitted by applicable law.

12. Indemnification

You agree to defend, indemnify, and hold harmless Finlive Inc. and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or relating to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any applicable law or third-party right; or (d) any data you provide to the Service that infringes on third-party rights or violates applicable law.

13. Termination

By you: You may terminate your account at any time by canceling your subscription and revoking QuickBooks OAuth access through QuickBooks' Connected Apps settings. You may also email support@finlive.ai to request account deletion.

By us: We may suspend or terminate your account immediately, without prior notice or liability, if you: (a) breach these Terms; (b) engage in conduct that we determine, in our sole discretion, is harmful to us, other users, or third parties; (c) fail to pay applicable subscription fees; or (d) as required by applicable law.

Upon termination: Your right to use the Service ceases immediately. We will delete your data in accordance with our Privacy Policy. Sections 9, 10, 11, 12, and 16 survive termination.

14. Third-Party Services

The Service integrates with or relies on third-party services, including:

• Intuit / QuickBooks Online — data source, governed by Intuit's Terms of Service and Privacy Policy.
• Meta / WhatsApp Business API — message delivery, governed by Meta's Terms of Service and Privacy Policy.
• Payment processor — subscription billing, governed by the processor's own terms.
• Cloud infrastructure providers — hosting and security services.

Finlive is not responsible for the acts, omissions, or policies of any third-party service. Links to third-party websites or services do not constitute an endorsement.

15. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by sending a message to your registered WhatsApp number or by posting a notice on our website at least 14 days before the changes take effect. The “Last updated” date at the top of this page reflects the most recent revision.

Your continued use of the Service after the effective date of any changes constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service and cancel your subscription before the changes take effect.

16. Governing Law & Disputes

These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

Informal resolution: Before initiating any formal dispute, you agree to contact us at support@finlive.ai and provide a written description of the dispute. Both parties will attempt to resolve the dispute informally within 30 days.

Binding arbitration: If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration in accordance with the rules of the American Arbitration Association, conducted in Delaware, in English.

Class action waiver: You agree that any dispute resolution proceedings will be conducted only on an individual basis and not as a class, consolidated, or representative action.

Nothing in this section prevents either party from seeking injunctive or other equitable relief in a court of competent jurisdiction to prevent imminent harm.

17. Contact

Questions, concerns, or requests related to these Terms should be directed to: