1. The Service

Fisco Books is a subscription software service for independent businesses that combines bookkeeping and general ledger, invoicing and payments, inventory, banking reconciliation, point-of-sale sync, scheduling and timekeeping, team communication, and related reporting and AI-assisted features. Available features depend on your business type and plan and may change over time. The Service is provided for lawful business use only and is not intended for personal, family, or household purposes.

2. Eligibility and accounts

You must be at least 18 and able to form a binding contract. You are responsible for the accuracy of your registration information, for keeping your credentials secure, and for all activity under your account. The person who creates the business account is its “Account Owner” and may invite and manage additional users (managers, staff, accountants). You are responsible for your users' compliance with these Terms and for the lawful basis to add any person's information (including employees) to the Service. Notify us promptly of any unauthorized use at support@fiscobooks.com.

3. Free trial

New business accounts include a 7-day free trial with full feature access and no payment method required. At the end of the trial the Service becomes read-limited until you start a paid subscription. We may modify or discontinue trials at any time.

4. Subscriptions, billing, and renewal

• Plans. The Service is offered on a month-to-month plan at $149 per month (cancellable at any time, effective at the end of the then-current billing month) and an annual plan at $99 per month billed monthly on a 12-month commitment. On the annual plan you commit to twelve monthly payments; it does not cancel mid-term and renews for successive 12-month terms unless you give notice before the term ends. Prices are per business location in U.S. dollars and exclude taxes.
• Payment. Billing is handled by Stripe. You authorize us and Stripe to charge your payment method on file for all fees, on a recurring basis, until the subscription is cancelled and any commitment satisfied. You are responsible for applicable sales, use, VAT, GST, and similar taxes.
• Failed payments. If a charge fails, we may retry, and we may suspend or downgrade the Service until payment is current.
• Price changes. We may change fees on at least 30 days' notice, effective at your next renewal (next monthly cycle for month-to-month, next 12-month term for annual).
• Cancellation and refunds. Cancel from the Billing page or the Stripe customer portal. Fees already paid are non-refundable except where required by law, and cancelling does not relieve an unpaid annual commitment. You keep access through the end of the paid period.

5. Your data

“Customer Data” means the information you and your users enter or connect to the Service — financial records, transactions, invoices, inventory, employee and scheduling information, messages, and connected bank-account data. As between the parties, Customer Data is yours. You grant us a worldwide, non-exclusive license to host, process, transmit, display, and back up Customer Data solely to provide, secure, support, and improve the Service and as otherwise permitted in the Privacy Policy. We do not sell Customer Data. You are responsible for the accuracy and legality of Customer Data and for maintaining your own copies; export tools are provided within the Service.

6. Acceptable use

You agree not to, and not to allow anyone to:

• use the Service unlawfully, or to store or transmit unlawful, infringing, or malicious content;
• upload another person's personal or financial information without a lawful basis and any required consent;
• send messages through the Service — including SMS — that are unsolicited, deceptive, or unrelated to the recipient's relationship with your business;
• probe, scan, or breach security; interfere with or place undue load on the Service; or attempt to access another customer's data;
• reverse engineer, resell, sublicense, or provide the Service as a service bureau to third parties;
• use the Service to build a competing product, or scrape it other than through features we provide.

We may investigate suspected violations and suspend accounts that create legal risk or harm to the Service or other customers.

7. Third-party connections

The Service integrates optional third-party services — including Stripe (payments), Plaid (bank-account connections), point-of-sale providers, Twilio (SMS), and others. When you connect one, you authorize the exchange of data needed to provide the relevant feature, and your use of that provider is also governed by its own terms and privacy policy. We are not responsible for third-party services, and they may change or become unavailable.

8. Text-messaging (SMS) program

The Service lets a Customer send operational text messages — such as shift-handoff notes and manager broadcasts — to its own staff who have consented to receive them. If you enable SMS:

• You are responsible for obtaining and recording each recipient's prior express consent, and for honoring opt-out requests. Fisco Books sends these messages on your behalf via Twilio.
• Message frequency varies with shift activity; message and data rates may apply.
• Recipients can reply STOP to opt out or HELP for help, where supported by their carrier.
• Mobile numbers and consent are used only to deliver the messages requested and are not shared with third parties or affiliates for marketing or promotional purposes.
• Carriers are not liable for delayed or undelivered messages.

SMS practices are described further in the Privacy Policy.

9. Our intellectual property

The Service, its software, and its content (excluding Customer Data) are owned by INVENT LLC and its licensors and are protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Service during your subscription for your internal business purposes. We may use aggregated or de-identified data that does not identify you or any individual to operate and improve the Service. Feedback you provide may be used without restriction.

10. Disclaimers

The Service is provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. Fisco Books is a software tool, not an accountant, bookkeeper, tax preparer, lawyer, or financial advisor, and nothing in the Service is professional advice. Reports, automated categorizations, schedules, pay estimates, and AI-assistant responses may contain errors and must be reviewed by you before you rely on them, including for tax filings, payroll, and financial statements. You are solely responsible for your business and legal compliance.

11. Limitation of liability

To the fullest extent permitted by law, neither party will be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, data, or goodwill, even if advised of the possibility. Except for your payment obligations and each party's indemnification obligations, each party's total liability arising out of or related to these Terms will not exceed the amounts you paid us for the Service in the 12 months before the event giving rise to the claim.

12. Indemnification

You will defend and indemnify INVENT LLC against third-party claims, damages, and costs (including reasonable legal fees) arising from Customer Data, your use of the Service, your SMS or other communications, or your breach of these Terms or of law.

13. Term, suspension, and termination

These Terms apply while you have an account. You may stop using the Service and cancel at any time, subject to Section 4. We may suspend or terminate the Service for non-payment, for a material or legal-risk breach, or if required by law or a provider. On termination, your right to use the Service ends; we will make Customer Data available for export for 30 days, after which we may delete it in the ordinary course. Sections that by their nature should survive (including 5, 9–16) survive termination.

14. Changes to the Service or these Terms

We may update the Service and these Terms. For material changes to the Terms we will give notice by email or in-app before they take effect. Continued use after the effective date means you accept the updated Terms; if you do not agree, stop using the Service and cancel.

15. Governing law and disputes

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-laws rules. The state and federal courts located in Delaware have exclusive jurisdiction, and each party consents to venue there. Each party waives any right to a jury trial. The prevailing party in any dispute is entitled to recover reasonable legal fees and costs.

16. General

These Terms and the Privacy Policy are the entire agreement between the parties on this subject. You may not assign them without our consent; we may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets. If a provision is unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. Neither party is liable for delays caused by events beyond its reasonable control. Notices to you may be sent to your account email; notices to us go to the address below.

17. Contact

INVENT LLC · Fisco Books
[ INVENT LLC mailing address — add before launch ]
support@fiscobooks.com