Terms of Service.

Last updated: April 28, 2026. By creating an account or using flatbooks, you agree to these terms.

1. The Service

Flatbooks ("the Service") is a Software-as-a-Service (SaaS) bookkeeping product operated by the Flatbooks team. The Service helps small-business owners — primarily real-estate operators with multiple legal entities — categorize bank transactions, generate consolidated accounting reports (trial balance, profit and loss, cash flow), and produce export files for handoff to a Certified Public Accountant (CPA).

The Service is provided on an "as-is" and "as-available" basis. We make commercially reasonable efforts to maintain uptime, respond to support requests, and ship security patches.

The Service is not accounting advice, tax advice, legal advice, or investment advice. The output requires review by a qualified professional (CPA, EA, or licensed bookkeeper) before being used to file taxes or make business decisions.

2. Eligibility

To use the Service you must be at least 18 years old, have legal authority to bind a business entity to these terms (if subscribing on behalf of a business), and not be barred from receiving services under US law or the laws of your jurisdiction.

3. Subscription & Billing

Pricing is published at flatbooks.io/pricing. At launch, two tiers are offered:

• Founders: $99 USD per month, locked at this price for the lifetime of the subscription so long as it remains continuously active.
• Standard: $199 USD per month, the rate for new subscribers after the Founders cohort closes.
• Annual billing is available at $990 (Founders) or $1,990 (Standard) per year — the equivalent of 10 months at the monthly rate.

Subscriptions auto-renew at the end of each billing cycle (monthly or annual) until cancelled. Payments are processed by Paddle.com Inc., our merchant of record. We do not receive or store your payment-card details.

Prices are quoted in USD and may exclude applicable VAT, GST, or sales tax depending on your jurisdiction. Paddle calculates and remits any applicable taxes.

4. Cancellation & Refunds

You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period; you retain access until that date. We offer a 14-day money-back guarantee on first-time payments. See our full refund and cancellation policy for details on pro-rata refunds (annual plans), service-interruption credits, and chargeback procedures.

5. Your Responsibilities

• Verify that transactions are categorized correctly. AI categorization is a starting point, not an authoritative classification.
• Verify that the consolidated trial balance reconciles to your bank records before filing taxes or making material business decisions.
• Engage a qualified CPA or tax professional for tax filing. The Service does not file taxes for you; it produces a handoff artifact.
• Keep your account credentials secure. You are responsible for activity that occurs under your account.
• Use the Service only for lawful purposes and in compliance with US tax and accounting regulations applicable to your business.

6. Acceptable Use

You may not:

• Reverse-engineer, decompile, or attempt to extract source code from the Service.
• Use the Service to launder transactions, evade taxes, or facilitate fraud.
• Resell, sublicense, or white-label the Service without a written commercial agreement.
• Upload data you do not have legal authority to process.
• Probe, scan, or test the Service's vulnerability without coordinating with us at security@flatbooks.io.

7. Intellectual Property

The Service, including its software, design, and brand, is the property of the Flatbooks team. We grant you a non-exclusive, non-transferable, revocable license to use the Service for your own bookkeeping while your subscription is active. Your transaction data, categorizations, and exports remain yours; we make no claim to your data.

8. Limitation of Liability

To the maximum extent permitted by applicable law, our total aggregate liability for any claim arising from or related to the Service is limited to the fees you paid us in the 12 months preceding the claim. We are not liable for indirect, incidental, consequential, or punitive damages, including but not limited to: tax penalties or interest, misclassified transactions discovered after filing, lost business or profits, or data loss caused by upstream providers (Plaid, Supabase, Anthropic, Paddle, Sentry).

Some jurisdictions do not allow these limitations; in those jurisdictions, our liability is limited to the maximum extent permitted by local law.

9. Termination

We may suspend or terminate your account if you violate these terms, engage in fraudulent activity, or fail to pay outstanding fees. We will provide notice and a reasonable cure period for non-payment before termination, except in cases of fraud or imminent harm.

10. Changes to These Terms

We may update these terms from time to time. Material changes will be announced via email to the address on file at least 30 days before they take effect. Continued use of the Service after the effective date constitutes acceptance of the updated terms.

11. Governing Law

These terms are governed by the laws of Montenegro, without regard to conflict-of-laws principles. Any dispute will be resolved in the competent courts of Podgorica, Montenegro.

12. Contact

Questions about these terms? Email support@flatbooks.io. We respond within 1 business day.