FinOpHQ · Financial Operations HQ

Terms of Service

End User License Agreement
Effective Date: July 12, 2026
Last Updated: August 21, 2026

This End User License Agreement (“Agreement”) is a binding agreement between you (“User,” “you”) and Michael Crews, d/b/a Finophq (“Company,” “we,” “us,” “our”), governing your access to and use of Finophq (the “Service”), a read-only financial analytics and reporting application for home-service business owners.

By creating an account, connecting a supported business platform, or otherwise using the Service, you agree to be bound by this Agreement. If you do not agree, do not use the Service.

1. Description of the Service

The Service ingests, where you choose to connect them: accounting data from supported accounting platforms (currently QuickBooks Online, “QBO”); live bank account data via Plaid Inc. (“Plaid”); and operational data from supported field-service and customer relationship management (“CRM”) platforms (currently Jobber). As the Service adds support for additional platforms in these categories, this Agreement applies to each new connection in the same way. The Service computes financial health metrics and presents them back to you as plain-English analysis, dashboards, and recommendations.

The Service is a decision-support tool, not accounting, tax, legal, or financial advisory services. See Section 8 (Disclaimers).

2. Read-Only Access — What the Service Does and Does Not Do

• Every connection the Service makes is read-only. The Service only ever issues read requests against your connected platforms. It never creates, edits, or deletes any record in any connected platform — no invoices, transactions, journal entries, client or job records, Chart of Accounts changes, or any other write operation, under any circumstance.
• The Service connects to QuickBooks Online exclusively through Intuit's OAuth 2.0 authorization flow, under the com.intuit.quickbooks.accounting scope, with read (GET/query) requests only.
• Where you choose to connect a bank account, the connection is made through Plaid and is read-only in the same way: the Service receives account, balance, and transaction data only. It never initiates payments or transfers, and it never sees or stores your bank credentials — you authenticate directly with Plaid and your financial institution, and you may revoke that connection at any time from within the Service or at my.plaid.com.
• Where you choose to connect a field-service or CRM platform, the connection is made through that platform's own OAuth 2.0 authorization flow and is likewise read-only: the Service receives your operational records but never creates, edits, or deletes anything in that platform.
• You may revoke the Service's access to any connected platform at any time, either from within the Service or from that platform's own connected-apps settings. Disconnecting a platform from within the Service deletes our stored connection tokens for it and removes its data from your stored dashboard snapshot; the configuration choices you have made in the Service remain until you change them or delete your account. See our Privacy Policy for the details of what is stored and how to request deletion.

3. Eligibility and Account Registration

You must be at least 18 years old and have the legal authority to connect the business platforms and accounts you link to the Service (e.g., as the business owner or an authorized user). You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.

4. Fees, Billing, and Cancellation

The Service is offered as a paid subscription (monthly or annual, at the prices shown on our website or at checkout) once billing is enabled for your account. Accounts we designate as beta, founding, or complimentary may use the Service without charge for the period we specify. Payments are processed by Stripe, Inc. (“Stripe”) on Stripe’s hosted pages under Stripe’s own terms; we never receive or store your card number.

Subscriptions renew automatically at the end of each billing period until canceled. You may cancel at any time from the Billing section of the Service (through Stripe’s customer portal); cancellation stops future renewals and your access continues through the end of the period already paid. Fees are non-refundable except where required by law or where we state otherwise in writing. If a renewal payment fails, we may suspend access after a reasonable grace period and notice. Applicable taxes may be added. We may change prices with at least 30 days’ notice; a change takes effect at your next renewal after the notice, and any rate we have promised you in writing (such as a founding rate) is honored as promised.

5. License Grant

Subject to your compliance with this Agreement, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your own internal business purposes. You may not: resell, sublicense, or provide the Service to third parties; reverse-engineer or attempt to extract the Service's underlying source code except as permitted by law; or use the Service to build a competing product.

6. Your Data and Third-Party Connections

You retain all ownership rights in the financial and operational data you connect to or upload into the Service. By connecting any platform or uploading any data, you represent that you have the right to share that data with us for the purpose of operating the Service. Your use of each connected platform remains subject to that platform's own terms — for example, Intuit's Terms of Service for QuickBooks Online; Plaid's End User Services Agreement and your financial institution's own terms for bank connections; and your CRM or field-service platform's own terms. We are not responsible for those third-party platforms' availability, accuracy, or terms.

7. Intellectual Property

The Service, including its software, design, and the specific methodology behind its computed metrics, is owned by Michael Crews, d/b/a Finophq and protected by applicable intellectual property laws. This Agreement grants you no rights in our intellectual property beyond the limited license in Section 5.

8. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

The Service's output — including every computed metric, flag, alert, and plain-English recommendation — is for informational purposes only and does not constitute accounting, tax, legal, or financial advice. Any figure the Service labels as an estimate (e.g., an estimated tax exposure or burden calculation) is a simplified approximation, not a substitute for a qualified accountant's or advisor's analysis of your specific circumstances. You are solely responsible for decisions made using information from the Service, and should consult a licensed professional before making material financial, tax, or business decisions.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MICHAEL CREWS, D/B/A FINOPHQ SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THIS AGREEMENT SHALL NOT EXCEED THE GREATER OF $100 USD OR THE TOTAL AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

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

10. Termination

You may stop using the Service and disconnect any connected platform at any time. If your subscription lapses or is canceled, access to the Service ends at the close of the paid period (Section 4); your account and connected data remain available to resume or delete as described in the Privacy Policy. We may suspend or terminate your access if you violate this Agreement, or discontinue the Service (or any part of it) at our discretion, with notice where reasonably practicable.

11. Changes to this Agreement

We may update this Agreement from time to time. Material changes will be notified via the Service or by email. Continued use of the Service after a change takes effect constitutes acceptance of the revised Agreement.

12. Governing Law

This Agreement is governed by the laws of the State of Arizona, United States, without regard to its conflict-of-laws principles, and any dispute arising from it will be resolved in the state and federal courts located in Arizona.

13. Contact

Questions about this Agreement can be sent to michael@finophq.com.