Terms of Service

These Terms of Service (the "Terms") are a contract between you and [Company] ("we", "us"), the operator of Owncroft (the "Service"). By creating an account or using the Service, you agree to these Terms. If you are using the Service for a business, you accept these Terms on that business's behalf and confirm you are authorized to do so.

If you do not agree, do not use the Service.

Owncroft is accounting and bookkeeping software for small businesses. It helps you record customers, appointments, invoices, payments, income, expenses, mileage, budgets, and bank reconciliation, and it can accept card payments from your customers through Stripe.

We may add, change, or remove features, and we may suspend or discontinue the Service, at any time. We will give reasonable notice of material changes where we can.

You must be at least 18 years old and able to form a binding contract. The Service is for business use, not for personal or household purposes.

You are responsible for everything that happens under your account and for keeping your password secure. Tell us promptly if you suspect unauthorized access. We offer two-factor authentication and recommend you enable it.

You are responsible for the accuracy of the information you and your team enter, and for making sure the people you invite are authorized to access your business's data.

Paid plans are billed in advance on a recurring basis (monthly or annually, as you choose) and renew automatically until you cancel. When you subscribe, we clearly disclose the price and the renewal, and you consent to the recurring charge. We keep a record of that consent.

Prices may change; we will give you notice before a changed price applies to you. Applicable taxes are added where required. Payment is processed by Stripe; we do not store your full card number.

Separately, if you use Owncroft to charge your own customers, those payments are processed through your own Stripe account, you are the merchant of record for them, and we may charge a platform fee as disclosed in the app.

You can cancel at any time from your billing settings. Cancellation stops the next renewal; you keep access until the end of the period you have already paid for. Refunds are governed by our Refund Policy.

You may not use the Service to break the law, infringe others' rights, send spam, upload malicious code, probe or breach security, reverse engineer the Service, or resell access without our permission. You may not use the Service to store data you have no right to hold.

You keep ownership of the data and files you put into the Service ("Your Content"). You grant us the limited license needed to host, process, back up, and display Your Content for the sole purpose of operating the Service for you, including sending documents to our sub-processors as described in our Privacy Policy.

You are responsible for Your Content and for having the right to give us that license, including for any personal data of your own customers that you enter.

Some features use artificial intelligence to read documents (such as receipts, invoices, and bank statements) and to suggest categories for transactions. AI output can be wrong or incomplete. It is a starting point, not a substitute for your judgment. You are responsible for reviewing and confirming any AI-generated figures before you rely on them, file them, or share them.

The Service is a tool. It does not provide accounting, tax, legal, or other professional advice. Confirm your figures with a qualified professional.

The Service, including its software, design, and brand, belongs to us. These Terms do not give you any rights in it beyond the right to use the Service under these Terms.

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

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any lost profits, revenue, data, or goodwill. Our total liability arising out of or relating to the Service will not exceed the amount you paid us for the Service in the twelve months before the event giving rise to the claim.

You agree to indemnify and hold us harmless from claims, damages, and expenses arising out of your use of the Service, Your Content, or your violation of these Terms or of any law or third-party right.

You may stop using the Service at any time. We may suspend or terminate your access if you violate these Terms or if we are required to by law. After termination we will make your data available for export for a reasonable period, then delete it, subject to any retention the law requires.

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. The courts located in Texas will have jurisdiction over any dispute, unless a mandatory law provides otherwise.

We may update these Terms. If a change is material, we will notify you by email or in the app before it takes effect. Continuing to use the Service after a change takes effect means you accept the updated Terms.

Questions about these Terms: [contact-email].