Terms of service.

01The agreement

These Terms of Service ("Terms") are a binding contract between you ("Customer," "you") and Avo LLC ("BooksGPT," "we," "us"). By creating an account, buying a plan, subscribing to a plan, or using the Service in any way, you agree to these Terms. If you don't agree, don't use the Service. And we'll refund your first payment within 30 days.

"Service" means the BooksGPT web application, mobile apps, API, connectors, and any other software or documentation we make available under the BooksGPT name.

02Your license & plans

Subject to your payment of the applicable fee and your compliance with these Terms, BooksGPT grants you a worldwide, non-exclusive, non-transferable license to use the Service for the businesses covered by your plan, including all updates and enhancements we release while your license is in effect.

The two ways to buy

Some plans are sold as a one-time lifetime purchase and some are sold as a recurring monthly subscription. Which one you bought determines which payment terms in section 4 apply to you. At current pricing:

Prices in this table are the prices in effect when these Terms were last updated. The price that binds you is the one shown at the point of sale when you bought, and for a one-time purchase that price is fixed forever (section 4).

One plan, several businesses

The license is per plan, not per business. One purchase or one subscription covers every business your plan includes, all under a single login. If you operate a second business, you do not need a second purchase or a second subscription; you add it to the plan you already have, up to the number of businesses included above.

If you need more businesses than your plan includes, you can add them as an opt-in add-on, billed monthly or yearly, rather than buying the plan again. That add-on is a recurring charge and its terms are set out in section 4.

What "lifetime" means

A lifetime plan is a one-time charge for a perpetual license. It does not renew, there is no subscription attached to it, and there is nothing to cancel. It includes every update and enhancement we ship for as long as we operate the Service, at no further charge for the plan itself.

"Lifetime" refers to the life of the Service, not to a guarantee that we will operate it forever. That is precisely why the wind-down commitment below is a binding part of these Terms rather than a statement of intent.

If we ever wind down the Service

If BooksGPT ever decides to stop operating the Service, we will give you at least 18 months' written notice, provide a full data export in standard formats (CSV, QBO journal, PDF), and, where reasonable, release the read-only books software as open-source under a permissive license so you can run your own copy.

03Your account

You must be at least 18 and authorized to bind your business to these Terms. You're responsible for keeping your password and any API keys confidential, and for all activity that happens under your account. Notify us immediately if you suspect unauthorized access.

04Payments & refunds

All payments are processed by Stripe. We don't store full card numbers.

One-time lifetime purchases. If you buy a lifetime plan (Solo or Business), you are charged once, at the time of purchase, at the price shown at checkout. That charge does not renew. There is no monthly fee, no annual fee, and no future charge for the plan itself. There is no subscription to cancel, because a lifetime purchase never created one.

Subscriptions. If you subscribe (Solo, Business, Practice, or Firm), you start with a 7-day free trial. We collect a card when you sign up and bill you $0 that day. If you do not cancel before the trial ends, the price for the billing cycle you chose is charged at the end of the trial and then automatically each cycle until you cancel. Both the price and the cycle are the ones listed at the point of sale when you subscribed.

Monthly or yearly. Every subscription plan can be billed monthly or yearly. Yearly means one invoice covering twelve months, charged in advance. You can move from monthly to yearly at any time from Settings; we credit the unused part of the month you have already paid for against the yearly invoice. Moving from yearly back to monthly happens at your renewal date, not part-way through a year, because a yearly charge is not refunded part-way through its term.

Cancellation. A subscription can be cancelled any time from Settings, including during the free trial. Cancellation stops future renewals; your access continues through the end of the billing period you have already paid for, whether that is a month or a year, and we don't pro-rate partial periods. A lifetime purchase has nothing to cancel. If you stop using the Service your access does not lapse, and no further charge is made for the plan.

Extra businesses (a recurring add-on). Every plan includes a set number of businesses (section 2). If you want more than your plan includes, you can add them as an opt-in add-on instead of buying a second plan. This add-on is a recurring charge, and it recurs even if you bought a lifetime plan. That is the one recurring charge that can sit on top of a one-time purchase, so we would rather state it here than have you discover it on a statement. At current pricing it is $5 per extra business per month, or $60 per extra business per year, on a lifetime or Firm plan, and $10 per extra business per month, or $120 per year, on a Solo, Business, or Practice plan. The yearly price is twelve times the monthly one: it buys one invoice a year instead of twelve, not a discount. You choose whether to add it, you can remove it any time from Settings, and removal takes effect at the end of the current billing period. A yearly seat is not refunded part-way through its year: removing it frees the business slot straight away, and the charge stops at your renewal date rather than that day. Your one-time purchase price is unaffected either way.

30-day refund. If you ask for a refund within 30 days of your first payment, for any reason or no reason, we will refund that payment in full. This applies to a one-time lifetime purchase exactly as it applies to a monthly subscription: buying BooksGPT outright does not give up the refund window. Email [email protected] and we'll process it within 5 business days. After 30 days, and for subsequent renewal or add-on charges, refunds are at our discretion.

5× Boost. If you turn on the optional 5× Boost ($15/month at current pricing), that charge recurs monthly until you turn it off. You can turn it off at any time from Settings; the change takes effect at the end of the current billing month.

Price changes. We can change the price of a recurring charge (a monthly subscription, the extra-business add-on, or Boost) for new and existing customers with at least 60 days' written notice before the change takes effect on your account. If you don't want to continue at the new price, you can cancel before it takes effect. A completed one-time lifetime purchase is not subject to price changes. We cannot go back and bill you more for a plan you have already bought outright.

05Usage limits & boost

The Solo and Business plans include the following monthly limits on AI-categorized transactions and AI consultations. These limits apply to those plans on either the lifetime or the monthly lane; the Practice and Firm plans are not subject to them.

Bank imports and historical data are not subject to any limit. If you exceed an AI limit and don't turn on the 5× Boost, your transactions still import; they just sit in a queue marked "needs categorization" until next month, or until you boost.

06Your data is yours

You retain all right, title, and interest in and to your books data ("Customer Data"). You grant BooksGPT a limited license to host, process, display, and transmit your Customer Data solely to provide the Service and as described in our Privacy Policy.

You can export your Customer Data at any time. PDF, CSV, or QBO journal format. From Settings → Data → Export. After you delete your account, you have 90 days to come back; after that, we permanently delete your Customer Data per our retention policy (section 7).

07Data retention & storage

While your account is active, BooksGPT retains all of your Customer Data for the life of the account. We never trim, sample, or expire your history to save space.

Hot storage (most recent ~18 months). Transactions, invoices, reports, and ledgers from roughly the last 18 months are held in high-availability ("hot") storage. This is the data that powers instant search, live reports, reconciliation, and the AI accountant, so it is always immediately accessible.

Long-term storage (older than ~18 months). Older records are moved to secure long-term ("archival") storage. They remain part of your books, stay retrievable on demand, and are kept for the full life of your account, so you keep a complete multi-year history.

You can export your complete history, hot or archived, at any time from Settings → Data → Export, in PDF, CSV, or QBO journal format. What happens to your data after you close your account is covered in Termination and in our Privacy Policy.

08AI outputs & accuracy

BooksGPT uses machine learning to categorize transactions, draft invoices, and surface anomalies. AI outputs are defaults you can edit, not financial advice. You are responsible for reviewing the AI's work and approving anything that goes onto your ledger or to a client.

We publish our held-out eval results in good faith. The most recent results (v1.4) show 91.2% categorization accuracy on our 50,000-transaction held-out set. That is the same figure we publish on our pricing and product pages; if you ever see a different accuracy number under the BooksGPT name, this one is the current one. We do not guarantee any specific accuracy for your particular books, and we are not liable for tax positions, business decisions, or invoices sent based on AI outputs that you did not review.

BooksGPT does not provide tax, legal, or accounting advice. Talk to a licensed CPA, EA, or attorney for advice on your specific situation. We are software, not a fiduciary.

09Acceptable use

You agree not to:

• Use the Service for any illegal purpose, including but not limited to money laundering, tax evasion, or transactions involving sanctioned parties.
• Reverse-engineer, decompile, or attempt to extract our model weights (which are not part of the Service we license to you).
• Resell, sublicense, or share access to the Service with parties outside the businesses covered by your plan.
• Attempt to exceed your usage limits through automation, multiple accounts, or circumvention.
• Upload malware, attempt to compromise our infrastructure, or interfere with other customers' use.

We may suspend or terminate accounts that violate this section. Where the violation is fixable, we'll give you 14 days' notice to fix it; serious violations (fraud, hacking) get immediate termination.

10Intellectual property

BooksGPT retains all right, title, and interest in the Service. The software, the AI models, the documentation, the brand. Buying or subscribing to a plan grants you the right to use the Service described in section 2, not ownership of it. That is true of a lifetime purchase as well: you own a perpetual license to use BooksGPT, not the software itself.

If you give us feedback (a bug report, a feature request, an idea), we may use it without obligation to you. We won't claim ownership of your feedback; we just want to be able to build the thing you suggested.

11Warranties & disclaimers

We warrant that the Service will substantially conform to its documentation, and that we will use commercially reasonable efforts to maintain at least 99.9% monthly uptime, excluding scheduled maintenance windows announced in advance.

Otherwise, the Service is provided "as is." To the maximum extent permitted by law, we disclaim all other warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty arising from course of dealing or trade usage.

12Limitation of liability

To the maximum extent permitted by law:

• Our total cumulative liability to you for any claim arising out of these Terms or the Service is capped at the greater of (a) the amount you paid us in the 12 months before the claim arose, or (b) $1,000.
• Neither party is liable to the other for any indirect, incidental, special, consequential, or punitive damages, including lost profits, lost data, or business interruption.
• These limits do not apply to (i) breach of confidentiality, (ii) indemnification obligations, or (iii) gross negligence or willful misconduct.

13Termination

You can terminate your account at any time from Settings → Account → Delete. We can terminate or suspend your account for material breach of these Terms with 14 days' notice (or immediately for the serious violations in section 9). On termination:

• Your access to the Service ends.
• You have 90 days to export your data; after that, we delete it.
• You are not entitled to a refund of amounts already charged, whether that is a subscription fee, an add-on fee, or a one-time lifetime purchase, unless you are within the 30-day first-payment refund window in section 4. Cancelling a subscription simply stops future renewals.
• Sections that should reasonably survive termination (IP, liability, indemnity) survive.

14Governing law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Any dispute that can't be resolved by good-faith discussion will go to binding arbitration in Oakland, California, under the AAA Commercial Rules. Except that either party can sue in small-claims court for an individual claim, and either party can seek injunctive relief in any court of competent jurisdiction for IP claims.

Class actions are waived. You agree to resolve any disputes on an individual basis, not as part of a class or representative action.

15Changes to terms

We may update these Terms when the Service evolves. Material changes (anything that affects your rights or obligations) get at least 30 days' email notice before they take effect. Non-material clean-ups (typos, clarifications) take effect on posting. If you don't agree to a material change, your remedy is to stop using the Service. And if it's within 30 days of the original purchase, request a refund.

16Contact

Questions about these Terms or notices required by them:

• Email: [email protected]
• Mail: Avo LLC · Attn: Legal · 5151 California Avenue, Irvine, CA 92617

For account, billing, or product questions, please use [email protected] instead. We'll get back to you faster.