Terms of Service

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“you,” “your,” or “User”) and Hubricon, Inc. (“Hubricon,” “we,” “our,” or “us”) governing your access to and use of the Hubricon platform, website at www.hubricon.com, and all related services (collectively, the “Service”).

By creating an account, accessing, or using the Service, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you are using the Service on behalf of a business or other legal entity, you represent that you have the authority to bind that entity to these Terms.

If you do not agree to these Terms, you must not access or use the Service.

Hubricon is an AI-powered financial intelligence platform that connects to your QuickBooks Online (“QBO”) account via secure OAuth 2.0 authorization to provide financial dashboards, AI-generated insights, reports, and alerts. The Service is designed to help small and medium-sized businesses understand their financial data.

The Service is provided for informational purposes only. Hubricon does not provide financial, investment, tax, accounting, or legal advice. You should consult qualified professionals before making financial decisions.

You must be at least 18 years of age and capable of entering into a legally binding agreement to use the Service. By using the Service, you represent and warrant that you meet these requirements and that all information you provide is accurate and complete.

To use the Service, you must create an account by providing accurate, current, and complete information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately at contact@hubricon.com of any unauthorized use or security breach

We reserve the right to suspend or terminate accounts that we reasonably believe have been compromised or are being used in violation of these Terms.

5.1 Authorization

By connecting your QBO account, you explicitly authorize Hubricon to access your accounting data in read-only mode through Intuit’s official OAuth 2.0 protocol. You represent and warrant that you have the legal authority to grant access to the QBO account you connect, and that connecting the account does not violate any agreement you have with a third party.

5.2 Scope of Access

Hubricon accesses only accounting data (Profit & Loss, Balance Sheet, Cash Flow, Chart of Accounts, and Company Info) using the com.intuit.quickbooks.accounting scope. We do not:

• Write, modify, create, or delete any data in your QuickBooks account
• Access your Intuit username or password
• Access payroll, employee, or personally identifiable tax information
• Share your QuickBooks data with other users, organizations, or third parties for their independent use

5.3 Disconnection

You may disconnect your QBO account at any time through the Settings page. Upon disconnection, we will revoke the OAuth tokens and delete all synced financial data from our systems. You may also revoke access directly from your Intuit account at apps.intuit.com.

5.4 Intuit Disclaimer

Hubricon is an independent third-party application and is not affiliated with, endorsed by, or sponsored by Intuit, Inc. QuickBooks, QuickBooks Online, and Intuit are trademarks of Intuit, Inc., registered in the United States and other countries. Use of QBO data within the Service is subject to Intuit’s own terms and policies.

The Service uses artificial intelligence (powered by Anthropic’s Claude) to analyze your financial data and generate insights, summaries, and recommendations. You acknowledge and agree that:

• AI-generated content is provided for informational purposes only and may contain errors, inaccuracies, or omissions
• AI-generated content does not constitute financial, tax, legal, or investment advice
• You are solely responsible for any decisions you make based on information provided by the Service
• You should independently verify any AI-generated analysis before relying on it
• Hubricon does not guarantee the accuracy, completeness, or timeliness of AI-generated insights

You agree to use the Service only for lawful business purposes. You shall not:

• Reverse-engineer, decompile, disassemble, or attempt to derive the source code of any part of the Service
• Use the Service to violate any applicable local, state, national, or international law or regulation
• Share, transfer, or provide access to your account credentials to unauthorized third parties
• Attempt to access data, accounts, or systems belonging to other users or organizations
• Use automated bots, scrapers, or other tools to extract data from the Service
• Introduce viruses, malware, or other harmful code to the Service
• Interfere with or disrupt the integrity or performance of the Service
• Use the Service to commit fraud or misrepresent your financial position to any third party
• Resell, sublicense, or redistribute any part of the Service without prior written consent

8.1 Hubricon’s Intellectual Property

The Service, including its design, code, features, documentation, trademarks, logos, and all content created by Hubricon, is the exclusive property of Hubricon, Inc. and is protected by copyright, trademark, and other intellectual property laws. These Terms do not grant you any right, title, or interest in the Service beyond the limited right to use it as described herein.

8.2 Your Data

You retain all ownership rights to your financial data. By using the Service, you grant Hubricon a limited, non-exclusive, revocable license to access, process, and display your financial data solely for the purpose of providing the Service to you. This license terminates immediately when you disconnect your QBO account or delete your Hubricon account.

8.3 Feedback

If you provide feedback, suggestions, or ideas about the Service, you grant Hubricon an unrestricted, perpetual, irrevocable, non-exclusive, royalty-free license to use such feedback for any purpose without obligation or compensation to you.

9.1 Data Preview

Hubricon allows users to connect their QuickBooks account and view a preview of their financial data before subscribing. The preview includes basic financial metrics and does not include AI-generated insights or recommendations.

9.2 Paid Subscriptions

All plans are billed monthly or annually through Stripe. Pricing is based on your trailing twelve-month revenue as calculated from your QuickBooks data. Prices are subject to change with 30 days’ notice. All fees are stated in U.S. dollars. We offer a 30-day money-back guarantee for new subscribers.

9.3 Cancellation

You may cancel your subscription at any time through your account settings or by contacting contact@hubricon.com. Cancellation takes effect at the end of the current billing period. No prorated refunds are provided for partial billing periods. Upon cancellation, your account will lose access to AI-powered features and you will be redirected to resubscribe.

9.4 Refunds

Refund requests are evaluated on a case-by-case basis. To request a refund, contact contact@hubricon.com within 14 days of the charge.

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, HUBRICON DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY.

WITHOUT LIMITING THE FOREGOING, HUBRICON DOES NOT WARRANT THAT: (A) THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; (B) ANY DEFECTS WILL BE CORRECTED; (C) THE AI-GENERATED INSIGHTS WILL BE ACCURATE, COMPLETE, OR RELIABLE; OR (D) THE SERVICE WILL MEET YOUR SPECIFIC REQUIREMENTS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL HUBRICON, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, OR LOSS OF GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF HUBRICON HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

HUBRICON’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU PAID TO HUBRICON IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED DOLLARS ($100.00).

You agree to indemnify, defend, and hold harmless Hubricon, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or in connection with:

• Your use of or access to the Service
• Your violation of these Terms
• Your violation of any applicable law or regulation
• Your violation of any rights of a third party
• Any claim that your use of the Service caused damage to a third party

13.1 By You

You may terminate your account at any time by disconnecting all integrations and contacting contact@hubricon.com. Upon termination, your data will be deleted in accordance with our Privacy Policy.

13.2 By Hubricon

We reserve the right to suspend or terminate your access to the Service at any time, with or without notice, for any reason, including but not limited to violation of these Terms, non-payment, fraudulent activity, or if we cease operations. We will make reasonable efforts to provide notice before termination except in cases of egregious violations.

13.3 Effect of Termination

Upon termination, your right to use the Service ceases immediately. Sections 6, 8, 10, 11, 12, 14, and 15 shall survive termination.

14.1 Governing Law

These Terms 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.

14.2 Dispute Resolution

Any dispute arising out of or relating to these Terms or the Service shall first be attempted to be resolved through good-faith negotiation. If the dispute cannot be resolved within 30 days, either party may submit the dispute to binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall take place in Delaware. Judgment on the arbitration award may be entered in any court of competent jurisdiction.

14.3 Class Action Waiver

YOU AND HUBRICON AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION.

15.1 Entire Agreement

These Terms, together with the Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Hubricon regarding the Service and supersede all prior agreements and understandings.

15.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

15.3 Waiver

The failure of Hubricon to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

15.4 Assignment

You may not assign or transfer these Terms without our prior written consent. Hubricon may assign these Terms without restriction.

15.5 Modifications

We reserve the right to modify these Terms 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 Service after the effective date constitutes acceptance of the modified Terms.

If you have questions about these Terms, contact us at: