End User License Agreement

1. Introduction

This End User License Agreement ("Agreement" or "EULA") is a legal agreement between you ("User," "you," or "your") and CrewCFO ("Company," "we," "us," or "our") governing your use of the CrewCFO platform, including all associated software, applications, websites, and services (collectively, the "Service").

By accessing or using the Service, you agree to be bound by this Agreement. If you do not agree to these terms, do not use the Service. If you are using the Service on behalf of a business or organization, you represent that you have the authority to bind that entity to this Agreement.

2. License Grant

Subject to your compliance with this Agreement, CrewCFO grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes. This license does not include:

• The right to sublicense, sell, resell, transfer, assign, or distribute the Service
• The right to modify, reverse engineer, decompile, or disassemble any part of the Service
• The right to copy, reproduce, or duplicate the Service except as expressly permitted
• The right to use the Service for any unlawful purpose or in violation of any applicable laws
• The right to use the Service to develop a competing product or service

3. Account Registration and Security

To use certain features of the Service, you must register for an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Accept responsibility for all activities that occur under your account
• Notify CrewCFO immediately of any unauthorized use of your account

CrewCFO reserves the right to suspend or terminate your account if any information provided proves to be inaccurate, not current, or incomplete.

4. Third-Party Integrations

The Service may integrate with third-party services, including but not limited to QuickBooks Online, banking institutions, and other financial software ("Third-Party Services"). By using these integrations, you acknowledge that:

• Your use of Third-Party Services is subject to their respective terms of service and privacy policies
• CrewCFO is not responsible for the availability, accuracy, or functionality of Third-Party Services
• You authorize CrewCFO to access and retrieve data from connected Third-Party Services on your behalf
• CrewCFO may modify or discontinue integrations with Third-Party Services at any time

5. User Data and Privacy

You retain all ownership rights to data you submit to the Service ("User Data"). By using the Service, you grant CrewCFO a limited license to use, process, and store your User Data solely for the purpose of providing and improving the Service.

CrewCFO will handle your User Data in accordance with our Privacy Policy. We implement industry-standard security measures, including:

• 256-bit encryption for data in transit and at rest
• SOC 2 compliant infrastructure
• Regular security audits and penetration testing
• Strict access controls and authentication measures

We do not sell your User Data to third parties. We may use anonymized, aggregated data for analytics, benchmarking, and service improvement.

6. AI and Automated Features

The Service includes artificial intelligence and machine learning features that automatically classify transactions, generate forecasts, and provide financial insights. You acknowledge that:

• AI-generated classifications and insights are provided as suggestions and may not always be accurate
• You are responsible for reviewing and verifying AI-generated outputs before relying on them for financial decisions
• The Service is not a substitute for professional accounting, tax, or legal advice
• CrewCFO continuously improves AI models, which may affect outputs over time

7. Fees and Payment

Access to the Service requires payment of subscription fees as described on our pricing page. By subscribing, you agree to:

• Pay all applicable fees in accordance with your selected plan
• Provide valid payment information and authorize recurring charges
• Accept that fees are non-refundable except as expressly stated in our refund policy
• Acknowledge that CrewCFO may modify pricing with 30 days' notice

We offer a 30-day money-back guarantee for new subscribers. Annual subscriptions may be cancelled with a prorated refund for unused months.

8. Intellectual Property

The Service, including all software, algorithms, designs, text, graphics, logos, and other content, is owned by CrewCFO and protected by intellectual property laws. You may not:

• Use CrewCFO's trademarks, logos, or branding without prior written consent
• Remove, alter, or obscure any proprietary notices on the Service
• Claim ownership of any CrewCFO intellectual property

You retain intellectual property rights to your User Data. CrewCFO claims no ownership over your financial information, reports, or exported data.

9. Prohibited Uses

You agree not to use the Service to:

• Violate any applicable laws, regulations, or third-party rights
• Transmit viruses, malware, or other malicious code
• Attempt to gain unauthorized access to the Service or its systems
• Interfere with or disrupt the Service or servers
• Scrape, harvest, or collect data from the Service without authorization
• Use the Service for fraudulent purposes or to facilitate money laundering
• Impersonate another person or entity
• Share login credentials with unauthorized parties

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
• WARRANTIES THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE
• WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY CONTENT

CrewCFO does not warrant that the Service will meet your specific requirements or that any errors will be corrected. You use the Service at your own risk.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREWCFO SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from your use of or inability to use the Service
• Damages resulting from unauthorized access to your account or data

CrewCFO's total liability for any claims arising from this Agreement shall not exceed the amount you paid for the Service in the twelve (12) months preceding the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless CrewCFO, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Service; (b) your violation of this Agreement; (c) your violation of any third-party rights; or (d) your User Data.

13. Termination

Either party may terminate this Agreement at any time. You may cancel your subscription through your account settings or by contacting support. CrewCFO may terminate or suspend your access if you:

• Violate any provision of this Agreement
• Fail to pay applicable fees
• Engage in conduct that may harm CrewCFO or other users

Upon termination, your right to use the Service immediately ceases. You may export your User Data for 30 days following termination. After this period, CrewCFO may delete your data in accordance with our data retention policy.

14. Modifications to the Agreement

CrewCFO reserves the right to modify this Agreement at any time. We will notify you of material changes via email or through the Service. Your continued use of the Service after such modifications constitutes acceptance of the updated Agreement. If you do not agree to the modified terms, you must stop using the Service and cancel your subscription.

15. Governing Law and Dispute Resolution

This Agreement shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

Any disputes arising from this Agreement shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive any right to participate in a class action lawsuit or class-wide arbitration.

16. Miscellaneous

• Entire Agreement: This Agreement constitutes the entire agreement between you and CrewCFO regarding the Service and supersedes all prior agreements.
• Severability: If any provision of this Agreement is found to be unenforceable, the remaining provisions shall remain in full force and effect.
• Waiver: The failure of CrewCFO to enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision.
• Assignment: You may not assign or transfer this Agreement without CrewCFO's prior written consent. CrewCFO may assign this Agreement without restriction.
• Force Majeure: CrewCFO shall not be liable for any failure or delay in performance due to circumstances beyond its reasonable control.

17. Contact Information

If you have any questions about this Agreement, please contact us at: