Terms of Service

Effective Date: June 1, 2026
Last Updated: June 1, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Inquey ("we," "our," or "us") governing your access to and use of the Inquey platform, including our website, applications, and services (collectively, the "Service").

By creating an account, accessing, or using our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the Service.

2. Description of Service

Inquey provides a cloud-based software platform that integrates with QuickBooks Online to offer:

• Financial data analysis and insights
• AI-powered bookkeeping assistance
• Transaction reconciliation tools
• Document management and analysis
• Automated reporting and recommendations

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice.

3. Eligibility

To use our Service, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding contract
• Not be prohibited from using the Service under applicable laws
• Have an active QuickBooks Online account
• Provide accurate and complete registration information

By using the Service, you represent and warrant that you meet these eligibility requirements.

4. Account Registration and Security

4.1 Account Creation

To access certain features of the Service, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security of your account credentials
• Not share your account with others
• Notify us immediately of any unauthorized access or security breach

4.2 Account Responsibility

You are solely responsible for all activities that occur under your account. We are not liable for any loss or damage arising from your failure to maintain account security.

5. QuickBooks Integration

5.1 Authorization

To use our Service, you must authorize Inquey to access your QuickBooks Online account using OAuth 2.0. By connecting your QuickBooks account, you grant us permission to:

• Access and retrieve your financial data
• Read company information and settings
• Access transactions, accounts, customers, and vendors
• Generate and access reports

5.2 Data Accuracy

Our Service relies on data from your QuickBooks Online account. We are not responsible for the accuracy, completeness, or reliability of data provided by QuickBooks or data you enter into QuickBooks.

5.3 Disconnection

You may disconnect your QuickBooks account at any time through your account settings. Upon disconnection, we will cease accessing your QuickBooks data and will delete it according to our data retention policies.

6. Subscription and Payment

6.1 Subscription Plans

Access to the Service requires a paid subscription. We offer monthly and annual subscription plans. Current pricing is available on our website.

6.2 Payment Processing

All payments are processed through Stripe, a third-party payment processor. By subscribing, you agree to Stripe's terms of service and authorize us to charge your payment method.

6.3 Automatic Renewal

Subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date. You will be charged the then-current subscription rate.

6.4 Cancellation

You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period. We do not provide refunds for partial subscription periods.

6.5 Failed Payments

If payment fails, we will attempt to process payment again. If payment continues to fail, your account may be suspended or terminated. You remain responsible for any outstanding amounts owed.

7. Acceptable Use

7.1 Permitted Use

You may use the Service only for lawful purposes and in accordance with these Terms. You agree to use the Service solely for your own business or professional purposes.

7.2 Prohibited Conduct

You agree NOT to:

• Use the Service for any illegal or unauthorized purpose
• Violate any laws in your jurisdiction
• Infringe on intellectual property rights
• Transmit malicious code, viruses, or harmful software
• Attempt to gain unauthorized access to our systems
• Reverse engineer, decompile, or disassemble any part of the Service
• Use automated tools to access the Service without permission
• Interfere with or disrupt the Service or servers
• Impersonate any person or entity
• Collect or store personal data about other users
• Resell or commercially exploit the Service

8. Intellectual Property

8.1 Our Rights

The Service and its original content, features, and functionality are owned by Inquey and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

8.2 Your Rights

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your business purposes.

8.3 Your Data

You retain all rights to your data, including the financial data you connect through QuickBooks. By using the Service, you grant us a license to use, process, and analyze your data solely to provide and improve the Service.

9. AI-Generated Content and Recommendations

Our Service uses artificial intelligence to analyze your data and provide recommendations. You acknowledge and agree that:

• AI-generated content is provided for informational purposes only
• Recommendations should not be considered professional financial or legal advice
• You are responsible for verifying the accuracy of any AI-generated content
• You should consult qualified professionals for specific financial decisions
• We are not liable for decisions made based on AI-generated recommendations

10. Data Privacy and Security

Our collection, use, and protection of your personal information is governed by our Privacy Policy. By using the Service, you consent to our data practices as described in the Privacy Policy.

While we implement industry-standard security measures, we cannot guarantee absolute security. You acknowledge that you provide data at your own risk.

11. Third-Party Services

The Service integrates with third-party services, including QuickBooks Online and Stripe. Your use of these services is subject to their respective terms of service and privacy policies. We are not responsible for the practices or content of third-party services.

12. Disclaimers and Warranties

12.1 "AS IS" Service

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

12.2 No Warranty

We do not warrant that:

• The Service will be uninterrupted, secure, or error-free
• The results obtained from the Service will be accurate or reliable
• Any errors in the Service will be corrected
• The Service will meet your requirements

12.3 Not Professional Advice

The Service does not provide professional financial, accounting, tax, or legal advice. You should consult qualified professionals for specific advice regarding your financial situation.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL INQUEY, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR:

• ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL
• ANY DAMAGES ARISING FROM YOUR USE OR INABILITY TO USE THE SERVICE
• ANY DAMAGES ARISING FROM UNAUTHORIZED ACCESS TO YOUR DATA

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM, OR $100, WHICHEVER IS GREATER.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so some of these limitations may not apply to you.

14. Indemnification

You agree to indemnify, defend, and hold harmless Inquey and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another party
• Your data or content submitted through the Service

15. Term and Termination

15.1 Term

These Terms remain in effect while you use the Service.

15.2 Termination by You

You may terminate your account at any time by canceling your subscription and ceasing to use the Service.

15.3 Termination by Us

We may suspend or terminate your account immediately, without prior notice, if you:

• Breach these Terms
• Fail to pay subscription fees
• Engage in prohibited conduct
• Violate applicable laws

15.4 Effects of Termination

Upon termination:

• Your right to use the Service immediately ceases
• We will disconnect your QuickBooks account
• We will delete your data according to our retention policies
• You remain liable for any outstanding fees

16. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting the updated Terms on our website
• Updating the "Last Updated" date
• Sending an email notification (for significant changes)

Your continued use of the Service after changes are posted constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using the Service and cancel your account.

17. Governing Law and Dispute Resolution

17.1 Governing Law

These Terms are governed by and construed in accordance with the laws of Utah, United States, without regard to its conflict of law provisions.

17.2 Dispute Resolution

Any dispute arising from these Terms or the Service shall be resolved through:

1. Informal Negotiation: Contact us at support@inquey.com to attempt resolution
2. Binding Arbitration: If negotiation fails, disputes will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association

17.3 Class Action Waiver

You agree to resolve disputes on an individual basis only. You waive any right to participate in class actions or class arbitrations.

18. General Provisions

18.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Inquey regarding the Service.

18.2 Severability

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

18.3 Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

18.4 Assignment

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

18.5 Force Majeure

We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control.

19. Contact Information

20. Acknowledgment

BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM.

© 2026 Inquey. All rights reserved.