Terms of Service

1. Acceptance of Terms

Welcome to MyBookie. By accessing or using our bookkeeping and expense tracking service ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.

These Terms constitute a legally binding agreement between you and MyBookie. We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting.

2. Description of Service

MyBookie provides a cloud-based bookkeeping and financial management platform that enables users to:

• Track business expenses and income
• Connect bank accounts to automatically import transactions
• Categorize and organize financial data
• Generate financial reports and summaries
• Forecast cash flow based on recurring transactions
• Access AI-powered financial insights
• Export data and share reports with accountants

3. Account Registration

To use MyBookie, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Be responsible for all activity under your account
• Notify us immediately of any unauthorized use

You must be at least 18 years old to create an account and use the Service.

4. Subscription and Payment

4.1 Free Trial

We may offer a free trial period. After the trial expires, you will need to subscribe to continue using the Service.

4.2 Billing

Subscription fees are billed in advance on a monthly or annual basis. All fees are non-refundable except as expressly stated in these Terms or required by law.

4.3 Price Changes

We reserve the right to modify pricing. Price changes will be communicated in advance and will take effect at the start of your next billing cycle.

5. Bank Account Connections

MyBookie uses Plaid Inc. to facilitate bank account connections. By connecting your bank account, you:

• Authorize Plaid to access your financial account information
• Agree to Plaid's terms of service and privacy policy
• Understand that we receive read-only access to your transaction data
• Acknowledge that bank data accuracy depends on your financial institution

6. Acceptable Use

You agree NOT to:

• Use the Service for any illegal purpose
• Attempt to gain unauthorized access to any part of the Service
• Interfere with or disrupt the Service or servers
• Upload malicious code, viruses, or harmful content
• Impersonate any person or entity
• Use the Service to transmit spam or unsolicited messages
• Reverse engineer or attempt to extract source code
• Resell or redistribute the Service without authorization

7. Your Data

7.1 Ownership

You retain all ownership rights to your data. By using MyBookie, you grant us a limited license to use, process, and store your data solely to provide the Service.

7.2 Data Export

You may export your data at any time using the export features provided in the Service.

7.3 Data Deletion

Upon account termination, your data will be deleted in accordance with our Privacy Policy, subject to any legal retention requirements.

8. Intellectual Property

The Service, including its design, features, content, and underlying technology, is owned by MyBookie and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our written permission.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT:

• The Service will be uninterrupted or error-free
• The Service will meet your specific requirements
• Financial data imported will be 100% accurate
• The AI-powered features will provide accurate financial advice

MyBookie is a bookkeeping tool, not a substitute for professional accounting, tax, or financial advice. Always consult qualified professionals for financial decisions.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MYBOOKIE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES, ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT PAID BY YOU IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

11. Indemnification

You agree to indemnify and hold harmless MyBookie, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Service or violation of these Terms.

12. Termination

You may cancel your account at any time. We may suspend or terminate your account if you violate these Terms or for any other reason at our discretion.

Upon termination, your right to use the Service will cease immediately. Sections relating to intellectual property, disclaimers, limitations of liability, and indemnification shall survive termination.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles. Any disputes shall be resolved in the courts of competent jurisdiction.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or through the Service. Your continued use after changes constitutes acceptance of the updated Terms.