Terms of Service

1. Acceptance of Terms

By accessing or using any part of the Tributum platform ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, do not use the Service.

These Terms apply to all users, including clients, visitors, and anyone who accesses the Service. The Tributum Group ("Tributum," "we," "us," or "our") reserves the right to update these Terms at any time. Continued use of the Service after changes constitutes acceptance of the revised Terms. We will notify registered users of material changes by email.

2. Description of Service

Tributum is a financial management platform for small businesses that provides:

• Financial dashboard and reporting tools
• Bookkeeping and income statement tracking
• Integration with third-party financial systems (QuickBooks, Plaid, POS platforms)
• Cash flow and financial forecasting tools
• AI-assisted financial analysis and recommendations (Tier 3)

The Service is offered on a subscription basis with tiered access levels. Features available to you depend on your current subscription tier.

3. User Accounts

Account Creation

You must submit an application and receive approval from Tributum to access the platform. You are responsible for maintaining the confidentiality of your login credentials. You agree to notify us immediately at support@thetributumgroup.com of any unauthorized use of your account.

Account Accuracy

You agree to provide accurate, current, and complete information during the application process and to update such information as necessary. Accounts found to contain false information may be suspended or terminated.

One Account Per Business

Each subscription is for a single business entity. You may not share access credentials with individuals outside your organization or use a single subscription for multiple unrelated businesses.

4. Payment and Subscriptions

Billing

Paid subscriptions are billed monthly in advance via Stripe. By subscribing, you authorize Tributum to charge your payment method on a recurring monthly basis at the rate applicable to your selected tier.

Pricing

Failed Payments

If a payment fails, we will attempt to collect payment up to three times over seven days. If payment is not collected, your account will be downgraded to the free tier. Access is restored immediately upon successful payment.

Cancellation

You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period. No prorated refunds are issued for partial months. Your account will be downgraded to free tier access upon cancellation.

Refund Policy

All subscription fees are non-refundable unless Tributum has materially failed to provide the Service as described and has been given reasonable opportunity to cure the failure. Refund requests must be submitted to support@thetributumgroup.com within 30 days of the charge.

5. Service Level Agreement (SLA)

Uptime Commitment

Tributum targets 99% monthly uptime for the core platform (dashboard access, data retrieval, and account management). "Uptime" is measured as the percentage of minutes in a calendar month during which the Service is accessible and operational, excluding scheduled maintenance windows and excluded events defined below.

Service Credits

If monthly uptime falls below 99%, you may request a service credit equal to a prorated day of your monthly subscription fee for each hour of downtime beyond the SLA threshold, up to a maximum of one month's subscription fee. Service credits are applied to future invoices and are the sole remedy for SLA failures.

Exclusions

The SLA does not apply to downtime caused by:

• Scheduled maintenance (communicated at least 24 hours in advance)
• Third-party service outages (Supabase, Plaid, QuickBooks, Stripe, or any connected POS system)
• Force majeure events (natural disasters, internet infrastructure failures, government actions)
• Your actions or inactions, including misconfigured integrations or unauthorized access attempts
• Free tier accounts (SLA applies to paid tiers only)

Claiming Credits

To claim a service credit, email support@thetributumgroup.com within 30 days of the incident with the subject line "SLA Credit Request." Include the dates and times of downtime experienced. Credits are issued at our discretion after verification.

6. Data and Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the data practices described in the Privacy Policy.

Your Data

You retain ownership of all financial data, business information, and documents you provide to the Service. You grant Tributum a limited license to process and store this data solely to provide the Service to you. We do not sell your data to third parties.

Data Accuracy

Tributum does not guarantee the accuracy of data imported from third-party systems (QuickBooks, Plaid, POS platforms, or other integrations). Dashboard figures, forecasts, and reports are only as accurate as the underlying source data. You are responsible for verifying the accuracy of connected data sources.

Data Retention on Cancellation

Upon account cancellation or termination, your data is retained for 90 days to allow for export. After 90 days, your data is permanently deleted from our systems. You are responsible for exporting any data you wish to keep before this window closes.

7. Third-Party Integrations

The Service connects to third-party platforms including QuickBooks, Plaid, Square, Shopify, Clover, Toast, and Stripe. These connections are governed by the respective third parties' terms of service and privacy policies. Tributum is not responsible for the availability, accuracy, or behavior of third-party services.

When you connect a third-party account, you authorize Tributum to access that account on your behalf within the permissions you grant. You may disconnect any integration at any time from within your dashboard.

8. AI-Generated Content (Tier 3)

Tier 3 subscribers receive access to AI-powered insights, recommendations, and a conversational interface powered by large language model technology. You acknowledge and agree that:

• AI-generated content is for informational purposes only and does not constitute professional financial, tax, legal, or investment advice
• AI outputs may contain errors, omissions, or inaccuracies and should not be relied upon as the sole basis for any business decision
• Your financial data is processed by the AI model to generate personalized insights; see the Privacy Policy for details
• Tributum is not liable for any decisions made based on AI-generated content

9. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable laws or regulations
• Attempt to reverse engineer, decompile, or extract source code from the platform
• Use automated bots or scrapers to access the Service
• Attempt to gain unauthorized access to other users' accounts or Tributum's systems
• Use the Service to process or store data that violates a third party's intellectual property or privacy rights
• Resell or sublicense access to the Service without our written consent

10. Intellectual Property

The Service, including all software, design, content, trademarks, and technology, is and remains the exclusive property of The Tributum Group. Nothing in these Terms grants you any right to use Tributum's name, logos, or trademarks without our prior written consent.

You retain all ownership rights to your data. You grant Tributum a non-exclusive, royalty-free license to use aggregated, anonymized data derived from your use of the Service to improve the platform, subject to our Privacy Policy.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Tributum's total liability to you for any claim arising from or related to the Service shall not exceed the total fees paid by you in the twelve (12) months preceding the claim.

In no event shall Tributum be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, lost revenue, loss of business opportunity, or loss of data, even if Tributum has been advised of the possibility of such damages.

This limitation applies regardless of the legal theory under which the claim is brought, including contract, tort, negligence, strict liability, or otherwise.

12. Indemnification

You agree to indemnify, defend, and hold harmless Tributum and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses — including reasonable legal fees — arising out of or in connection with:

• Your use of the Service in violation of these Terms
• Your violation of any applicable law or regulation
• Inaccurate data you provide to the Service that results in incorrect outputs
• Any claim by a third party arising from your use of the Service

13. Termination

Tributum reserves the right to suspend or terminate your account, with or without notice, for:

• Non-payment of subscription fees
• Violation of these Terms
• Fraudulent, abusive, or illegal activity
• Extended account inactivity (12+ months on a paid tier)

Upon termination, your right to access the Service ceases immediately. Your data will be retained for 90 days per the data retention policy above.

14. Disclaimers

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.

TRIBUTUM DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS. TRIBUTUM DOES NOT WARRANT THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY CONTENT, DATA, OR INFORMATION AVAILABLE THROUGH THE SERVICE.

15. Governing Law and Dispute Resolution

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

Any dispute arising from or relating to these Terms or the Service shall first be submitted to good-faith negotiation. If negotiation fails within 30 days, disputes shall be resolved by binding arbitration in the State of Delaware under the rules of the American Arbitration Association. Class action lawsuits and class-wide arbitration are waived to the extent permitted by law.

Notwithstanding the above, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm.

16. Changes to These Terms

We may update these Terms from time to time. We will notify registered users of material changes via email at least 14 days before the changes take effect. Your continued use of the Service after the effective date of revised Terms constitutes your acceptance of the changes.

The most current version of these Terms is always available at thetributumgroup.com/terms.

17. Contact

Questions about these Terms? Contact us:

The Tributum Group
Email: support@thetributumgroup.com
Incorporated in the State of Delaware, United States