Terms of Service

1. Acceptance

By accessing or using HeadlessCPA ("the Service"), you agree to these Terms of Service. If you are accessing the Service on behalf of a company, you represent that you have authority to bind that company to these terms.

2. Description of Service

HeadlessCPA provides autonomous accounting infrastructure — including transaction categorization, bank feed aggregation, QuickBooks/Xero synchronization, audit trail generation, and compliance export tooling — via API and embeddable UI components. The Service is intended for software developers, SaaS companies, and accounting platforms building accounting functionality into their products.

3. Accounts

You are responsible for maintaining the security of your API keys and dashboard credentials. You must notify us immediately of any unauthorized access. We are not liable for losses resulting from unauthorized use of your credentials.

4. Acceptable Use

You agree not to:

• Use the Service for illegal financial activity
• Attempt to reverse-engineer or extract proprietary ML models
• Exceed agreed API rate limits in a way that degrades service for others
• Misrepresent HeadlessCPA's involvement to your customers
• Store data that violates applicable privacy law

5. Payment Terms

Subscription fees are billed monthly in advance. Usage-based fees (transaction volume overages) are billed in arrears. All fees are non-refundable except as required by applicable law or as explicitly agreed in writing.

6. Data and Confidentiality

Customer data processed through the Service remains customer property. We process it only to provide the Service and as described in our Privacy Policy. We do not sell or share customer financial data with third parties except as required to provide the Service (e.g., Plaid for bank feeds, Convex for data storage).

7. Limitation of Liability

The Service is provided "as is." HeadlessCPA is not a licensed accounting firm and the AI categorization system does not constitute professional accounting advice. For tax compliance, licensed CPA review is available via the Autonomous + CPA Review plan. To the maximum extent permitted by law, our liability to you is limited to the fees paid in the 3 months preceding the claim.

8. Termination

Either party may terminate the agreement with 30 days notice. We may terminate immediately for material breach, including illegal use or non-payment. Upon termination, your data will be available for export for 30 days before deletion.

9. Changes

We may update these terms with 30 days notice. Continued use of the Service after the notice period constitutes acceptance.

10. Contact

Questions about these terms: headlesscpa.com/contact

Note: These terms are a baseline document. Consult qualified legal counsel before relying on them for compliance purposes.