CFO in a Box

This End-User License Agreement ("Agreement") is a legal agreement between you ("User," "you") and Anne Napolitano Consulting, Inc. ("ANC," "we," "our," or "us") governing your use of the CFO in a Box web application and all related services (collectively, the "Service").

By creating an account or using the Service, you agree to be bound by this Agreement. If you do not agree, do not use the Service.

Subject to your compliance with this Agreement and timely payment of applicable fees, ANC grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes during your subscription term.

CFO in a Box provides AI-powered financial analysis, advisory chat, dashboard reporting, scenario modeling, and educational resources for small business owners. The Service uses your uploaded financial data and, if connected, data retrieved from your QuickBooks Online account to generate insights and recommendations.

You must create an account to use the Service. You agree to:

• Provide accurate and complete registration information
• Keep your password secure and not share account access
• Notify us immediately of any unauthorized use of your account
• Be responsible for all activity that occurs under your account

• Free tier: limited access to Service features as described on our pricing page
• Paid subscription: full access; billed monthly or annually via Stripe
• Fees are non-refundable except as required by law or stated in our refund policy
• We reserve the right to change pricing with 30 days' notice to active subscribers
• Failure to pay may result in suspension or termination of access

You agree to use the Service only for lawful purposes and in accordance with this Agreement. You agree not to:

• Upload financial data belonging to another business without authorization
• Attempt to reverse-engineer, decompile, or extract source code from the Service
• Use the Service to provide financial advisory services to third parties without our written consent
• Circumvent any access controls, authentication, or security measures
• Use automated scripts, bots, or scrapers to access the Service
• Upload files containing malware, viruses, or malicious code
• Violate any applicable law or regulation

You retain all ownership rights to the financial data and content you upload to the Service ("User Data"). By using the Service, you grant ANC a limited license to process, store, and use your User Data solely to provide and improve the Service.

You represent and warrant that:

• You have the right to upload and share any data you provide
• Your User Data does not infringe any third-party intellectual property rights
• Your User Data does not violate any applicable law

If you connect a QuickBooks Online account, you authorize ANC to:

• Complete the Intuit OAuth 2.0 authorization flow on your behalf
• Retrieve financial data from your QuickBooks company using the permissions you grant
• Store OAuth tokens in encrypted form to maintain the connection

You can disconnect your QuickBooks account at any time from Account Settings. Disconnection immediately revokes our access and deletes stored tokens. ANC's use of QuickBooks data is subject to Intuit's platform policies and restricted to providing the features of this Service.

All software, design, content, trademarks, and methodologies comprising the Service (excluding User Data) are owned by ANC or its licensors and protected by applicable intellectual property laws. This Agreement grants you no rights in ANC's intellectual property except the limited license described in Section 2.

ANC treats your business and financial information as confidential and does not share it except as described in our Privacy Policy. You agree to keep any non-public information about ANC's systems, pricing, or methodologies confidential.

By you: You may cancel your subscription and close your account at any time from Account Settings. Upon closure, we will delete your data within 90 days upon request.

By ANC: We may suspend or terminate your access immediately if you:

• Violate this Agreement
• Fail to pay applicable fees after notice
• Engage in fraudulent or abusive activity

Upon termination, your license to use the Service ends immediately. Sections 9, 10, 13, 14, and 15 survive termination.

The Service is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that AI-generated outputs will be accurate or complete.

To the maximum extent permitted by law, ANC and its officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service, including but not limited to loss of profits, data, or business opportunities — even if advised of the possibility of such damages. ANC's total liability to you for any claims arising under this Agreement shall not exceed the amount you paid to ANC in the 12 months preceding the claim.

This Agreement is governed by the laws of the State of New York, without regard to conflict-of-law principles. Any disputes shall be resolved in the state or federal courts located in Suffolk County, New York, and you consent to personal jurisdiction in those courts.

We may update this Agreement from time to time. We will notify you of material changes via email or in-app notice at least 14 days before they take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Agreement.