End User License Agreement

This End User License Agreement (“EULA” or “Agreement”) is a legal agreement between you (the “User,” “you,” or “your”) and Hubricon, Inc. (“Hubricon,” “Licensor,” “we,” “our,” or “us”) for the use of the Hubricon software platform, including the web application, APIs, dashboards, AI-generated content, and all related documentation and updates (collectively, the “Software”).

This Agreement supplements and should be read in conjunction with our Terms of Service and Privacy Policy. In the event of a conflict between this EULA and the Terms of Service, the Terms of Service shall prevail.

2.1 License

Subject to your compliance with this Agreement, Hubricon grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Software solely for your internal business purposes in accordance with the applicable subscription plan and these terms.

2.2 Scope

This license permits you to access the Software through a standard web browser at www.hubricon.com. The license is limited to the number of users and organizations permitted under your subscription plan.

2.3 Reservation of Rights

All rights not expressly granted herein are reserved by Hubricon. This Agreement does not grant you any ownership interest in the Software. The Software is licensed, not sold.

You shall not, and shall not permit any third party to:

• Copy, reproduce, distribute, or create derivative works of the Software or any part thereof
• Reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code, algorithms, or data structures of the Software
• Modify, adapt, translate, or create derivative works based on the Software
• Rent, lease, loan, sublicense, sell, resell, or otherwise transfer the Software or access thereto to any third party
• Remove, alter, or obscure any proprietary notices, labels, or marks on the Software
• Use the Software for purposes of benchmarking, competitive analysis, or building a competing product or service
• Use the Software in any manner that violates applicable laws, regulations, or third-party rights
• Use automated tools, scripts, bots, or scrapers to access or extract data from the Software
• Circumvent, disable, or interfere with any security features or access controls of the Software
• Use the Software to store or transmit malicious code, viruses, or harmful data
• Access the Software through any interface other than those provided by Hubricon

4.1 QuickBooks Online

The Software integrates with Intuit QuickBooks Online (“QBO”) through Intuit’s official OAuth 2.0 API. By connecting your QBO account, you authorize Hubricon to access your accounting data in read-only mode. You acknowledge that:

• You have the legal authority to authorize access to the QBO account
• Hubricon’s access is limited to read-only accounting data (Profit & Loss, Balance Sheet, Cash Flow, Chart of Accounts, Company Info)
• Hubricon does not modify, create, or delete any records in your QBO account
• QBO integration is subject to Intuit’s own terms of service and developer policies
• Hubricon is not affiliated with, endorsed by, or sponsored by Intuit, Inc.

4.2 AI Processing

The Software uses Anthropic’s AI technology to analyze financial data and generate insights. You acknowledge that:

• AI-generated content may contain errors and should not be relied upon as the sole basis for financial decisions
• Financial data is transmitted to Anthropic’s API for processing and is not retained by Anthropic after the response is generated
• AI analysis is subject to Anthropic’s usage policies and commercial terms

4.3 Payment Processing

Subscription payments are processed by Stripe, Inc. You acknowledge that payment processing is subject to Stripe’s terms of service and that Hubricon does not store your payment card details.

The Software, including all code, design, documentation, algorithms, trade secrets, trademarks, logos, and visual elements, is the exclusive intellectual property of Hubricon, Inc. and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

You retain all ownership rights to your financial data. The license granted to Hubricon to process your data is limited to providing the Service and terminates upon disconnection of your QBO account or deletion of your Hubricon account.

Hubricon’s collection, use, storage, and protection of your data is governed by our Privacy Policy and Security Practices, which are incorporated herein by reference. Key commitments include:

• All financial data is encrypted at rest (AES-256) and in transit (TLS 1.2+)
• OAuth tokens receive additional AES-256-CBC application-level encryption
• Row-Level Security enforces organization-level data isolation at the database layer
• We do not sell, share, or monetize your financial data
• You may delete all your data at any time by disconnecting integrations and requesting account deletion

THE SOFTWARE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

HUBRICON DOES NOT WARRANT THAT: (A) THE SOFTWARE WILL MEET YOUR SPECIFIC REQUIREMENTS; (B) THE SOFTWARE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) THE RESULTS OBTAINED FROM THE SOFTWARE, INCLUDING AI-GENERATED INSIGHTS, WILL BE ACCURATE OR RELIABLE; OR (D) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED.

THE SOFTWARE IS NOT A SUBSTITUTE FOR PROFESSIONAL FINANCIAL, TAX, LEGAL, OR INVESTMENT ADVICE. YOU ASSUME ALL RESPONSIBILITY FOR DECISIONS MADE BASED ON INFORMATION PROVIDED BY THE SOFTWARE.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL HUBRICON, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO:

• Your access to or use of, or inability to access or use, the Software
• Any conduct or content of any third party on or related to the Software
• Unauthorized access, use, or alteration of your data or transmissions
• Errors, inaccuracies, or omissions in AI-generated content or financial analysis
• Any business decisions made based on information provided by the Software

HUBRICON’S TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF THE AMOUNTS PAID BY YOU TO HUBRICON IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM OR ONE HUNDRED U.S. DOLLARS ($100.00).

You agree to indemnify, defend, and hold harmless Hubricon and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including attorneys’ fees) arising from: (a) your use of the Software; (b) your violation of this Agreement; (c) your violation of any law or the rights of a third party; or (d) any data or content you submit through the Software.

10.1 Term

This Agreement is effective upon your first use of the Software and continues until terminated by either party.

10.2 Termination by You

You may terminate this Agreement at any time by deleting your account and ceasing all use of the Software. Contact contact@hubricon.com to initiate account deletion.

10.3 Termination by Hubricon

Hubricon may terminate or suspend this Agreement and your access to the Software immediately, without prior notice, if: (a) you breach any provision of this Agreement; (b) you engage in fraudulent or illegal activity; (c) continued provision of the Software becomes commercially impractical; or (d) required by law.

10.4 Effect of Termination

Upon termination: (a) all rights and licenses granted to you under this Agreement terminate immediately; (b) you must cease all use of the Software; (c) Hubricon will delete your data in accordance with our Privacy Policy. Sections 3, 5, 7, 8, 9, 11, and 12 survive termination.

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 legal action or proceeding relating to this Agreement shall be subject to the exclusive jurisdiction of the courts located in Delaware, or the United States District Court for the District of Delaware.

12.1 Entire Agreement

This Agreement, together with the Terms of Service, Privacy Policy, and any applicable subscription terms, constitutes the entire agreement between you and Hubricon regarding the Software and supersedes all prior or contemporaneous agreements, representations, and understandings.

12.2 Severability

If any provision of this Agreement is held to be unenforceable, such provision shall be modified only to the extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

12.3 Waiver

No failure or delay by Hubricon in exercising any right under this Agreement shall constitute a waiver of that right.

12.4 Assignment

You may not assign or transfer this Agreement without Hubricon’s prior written consent. Hubricon may assign this Agreement without restriction in connection with a merger, acquisition, or sale of assets.

12.5 Modifications

Hubricon reserves the right to modify this Agreement at any time. Material changes will be communicated via email or prominent notice on the Service at least 30 days in advance. Continued use of the Software after the effective date of changes constitutes acceptance of the modified Agreement.

12.6 Force Majeure

Hubricon shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including but not limited to acts of God, natural disasters, pandemics, war, terrorism, labor disputes, government actions, Internet or telecommunications failures, or third-party service outages.

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