Terms of Service

Effective September 16, 2026 · ARS & Associates

These Terms of Service govern access to and use of the ARS CFO Concierge software platform, dashboards, websites, applications, reports, integrations, and related support services. They are a binding agreement between ARS Accounting, also referred to as ARS CFO Concierge, ARS, we, us, or our, and the business or organization that accepts these Terms, together with each authorized user, referred to as Customer or you.

The Platform is a business financial-management and analytics tool. It may connect to QuickBooks Online and other third-party services at the Customer’s direction. The Platform does not replace the Customer’s judgment, internal controls, books and records, or professional advice tailored to a specific decision.

1 Acceptance and Authority

By creating an account, clicking to accept, connecting a QuickBooks company, signing an order form that references these Terms, or using the Platform, you agree to these Terms. If you use the Platform for an entity, you represent that you have authority to bind that entity. The Platform is intended for business use by persons who are at least 18 years old and capable of entering a binding contract.

If you do not agree, do not access or use the Platform and do not connect a QuickBooks company or other data source.

2 Relationship to Other Agreements

An order form, subscription proposal, engagement letter, statement of work, data-processing addendum, or other written agreement accepted by ARS may apply to your use of the Platform. If a signed agreement conflicts with these Terms, the signed agreement controls for the subject of the conflict. Professional accounting, bookkeeping, tax, bill-pay, consulting, or CFO services are governed by the applicable engagement agreement and are not created merely by using the Platform.

3 The Platform

The Platform may provide financial dashboards, key performance indicators, forecasts, budgets, cash-flow views, transaction classifications, alerts, reports, workflow tools, benchmarking, document exchange, user-role views, and other features. Available features may depend on your plan, industry, configuration, data sources, and permissions.

We may improve, add, remove, or modify features. We will use commercially reasonable efforts to avoid materially reducing paid core functionality during a current subscription term, but we do not guarantee that every feature or integration will remain available.

4 Accounts and Authorized Users

You must provide accurate account information and keep it current. You are responsible for all activity under your account and for maintaining the confidentiality of credentials. You must promptly notify us at info@arsaccounting.com if you suspect unauthorized access, credential compromise, or misuse.

The Customer may authorize owners, employees, accountants, advisors, managers, chefs, administrators, and other users. The Customer is responsible for selecting appropriate roles and permissions, removing access when it is no longer needed, and ensuring that each user may lawfully view and use the information made available to that user. An account administrator may control the Customer account and may access, export, change, or delete Customer Data as permitted by the Platform.

5 QuickBooks and Intuit Connection

At your direction, the Platform may connect to QuickBooks Online through Intuit’s authorization process. By connecting a QuickBooks company, you authorize ARS to access, retrieve, use, process, and display the QuickBooks data made available through the permissions you approve, solely as described in these Terms, our Privacy Policy, and any applicable written agreement.

You represent that you are authorized to connect the QuickBooks company and to permit ARS to process its data. You may revoke the connection through the Platform, where available, or through Intuit. Disconnecting stops future synchronization but may not automatically delete data previously imported into the Platform. Deletion is addressed in Section 17 and the Privacy Policy.

QuickBooks and Intuit are third-party services. Their availability, data, permissions, and operation are controlled by Intuit and are subject to Intuit’s own terms and privacy statement. ARS is an independent provider and is not responsible for changes, outages, errors, or acts of Intuit. Intuit and QuickBooks names and marks belong to their respective owners. No endorsement or sponsorship is implied unless expressly stated in an authorized listing.

6 Other Third Party Services

The Platform may interoperate with banks, payment processors, payroll providers, point-of-sale systems, document platforms, analytics tools, cloud infrastructure, and other services. Your use of a third-party service is governed by that provider’s terms. You authorize us to exchange data with a third-party service when you enable the integration or direct us to do so. We are not responsible for third-party services, their data accuracy, security, availability, fees, or changes.

7 Customer Data

Customer Data means information submitted to, uploaded to, generated for, or retrieved by the Platform for the Customer, including data obtained from QuickBooks Online and other authorized sources. As between ARS and the Customer, the Customer retains its rights in Customer Data.

The Customer grants ARS a limited, nonexclusive, worldwide, royalty-free right to host, copy, transmit, transform, analyze, display, and otherwise process Customer Data only as reasonably necessary to provide, secure, support, maintain, and improve the Platform; comply with law; prevent fraud or misuse; and carry out the Customer’s instructions. This right continues only while needed for those purposes and subject to our retention obligations.

The Customer is responsible for the lawfulness, quality, accuracy, and completeness of Customer Data and for obtaining any notices, permissions, and consents needed to provide it to ARS. Do not upload data you are not authorized to use or disclose.

8 Confidentiality

Each party may receive nonpublic information that should reasonably be understood as confidential. The receiving party will use confidential information only to perform or exercise rights under the parties’ agreements, protect it using reasonable care, and disclose it only to personnel and service providers who need it and are bound by confidentiality duties. These restrictions do not apply to information that is public without breach, already lawfully known, independently developed without use of the confidential information, or lawfully received from another source without restriction.

A party may disclose confidential information when legally required if it gives notice when permitted and reasonably cooperates with efforts to limit the disclosure. Customer Data is Customer confidential information. The Platform, its nonpublic technology, security information, pricing, and product plans are ARS confidential information.

9 Data Security

ARS maintains reasonable administrative, technical, and organizational safeguards designed to protect Customer Data against unauthorized access, use, alteration, or disclosure. No system is completely secure, and we do not guarantee that a security incident will never occur. The Customer remains responsible for its devices, networks, credentials, access controls, user permissions, exports, and local copies of data.

If ARS confirms a security incident affecting Customer Data, ARS will investigate and provide notices required by applicable law. The Customer agrees to reasonably cooperate with security and incident-response measures.

10 Analytics and Artificial Intelligence

The Platform may use rules, statistical methods, automation, machine learning, or artificial intelligence to classify information, identify patterns, generate summaries, surface anomalies, suggest actions, or produce forecasts and insights. These outputs may be incomplete, delayed, or incorrect and are not guaranteed results.

You must review outputs, source data, assumptions, and approvals before making decisions or taking action. The Platform will not be treated as the sole basis for tax filings, legal positions, investments, lending, hiring, payroll, payment authorization, or other material decisions. ARS does not authorize an automated feature to move money, file a return, amend books, or bind the Customer unless the Customer separately enables and approves that action under the applicable workflow and agreement.

11 No Substitute for Professional Advice

The Platform provides information and decision-support tools. Unless ARS separately agrees in writing to provide professional services, use of the Platform does not create an accountant-client, tax preparer-client, fiduciary, legal, investment-adviser, broker, lender, or other professional relationship. Platform content and automated outputs are not legal, tax, investment, audit, assurance, valuation, or other regulated professional advice.

Professional services delivered by ARS under an engagement agreement may involve human judgment and advice, but those services remain governed by that agreement. The Customer is responsible for consulting qualified professionals when appropriate.

12 Customer Responsibilities

The Customer will:

use the Platform only for lawful internal business purposes and in accordance with these Terms;
maintain complete and accurate source books, records, reconciliations, approvals, and supporting documents;
review dashboards, reports, alerts, classifications, forecasts, and other outputs before relying on them;
maintain appropriate internal controls, separation of duties, approval limits, and fraud-prevention procedures;
obtain and maintain all rights and consents needed for Customer Data and authorized users;
promptly correct inaccurate information and notify ARS of suspected errors or unauthorized activity; and
comply with the terms and permissions of QuickBooks, Intuit, and each other connected service.

13 Acceptable Use

You may not, and may not permit another person to:

access the Platform or data without authorization or exceed granted permissions;
use the Platform to violate law, infringe rights, commit fraud, evade sanctions, or facilitate unlawful activity;
upload malware or interfere with the security, integrity, performance, or availability of the Platform;
probe, scan, test, bypass, or defeat security or authentication measures except under a written authorized security-testing program;
reverse engineer, decompile, disassemble, copy, scrape, or attempt to derive source code, models, or nonpublic structure, except where law expressly prohibits this restriction;
resell, sublicense, time-share, or provide the Platform to third parties except as expressly permitted in writing;
use data from the Platform to train a competing model or service or to build a competing product;
remove proprietary notices or misrepresent affiliation with ARS, Intuit, or another provider; or
use the Platform as a system of record, archive, or backup unless we expressly state that a feature is designed for that purpose.

14 Fees Billing and Taxes

Fees, subscription periods, usage limits, implementation charges, and payment terms are stated in the applicable order form, proposal, or engagement agreement. Unless otherwise stated there, fees are in U.S. dollars, due in advance, and nonrefundable except as required by law. You authorize recurring charges only when recurring billing is disclosed at purchase. You are responsible for applicable sales, use, and similar taxes, excluding taxes based on ARS net income.

We may suspend paid access for overdue amounts after reasonable notice. A price change applies at renewal or as otherwise stated in the applicable written agreement. If an order form provides for automatic renewal, cancellation must be submitted using the method and notice period stated there.

15 Intellectual Property

ARS and its licensors own the Platform, software, designs, workflows, documentation, templates, reports, methodologies, trademarks, and all related intellectual-property rights, excluding Customer Data. Subject to payment and compliance with these Terms, ARS grants the Customer a limited, nonexclusive, nontransferable, nonsublicensable, revocable right during the subscription term to access and use the Platform for the Customer’s internal business purposes.

If you provide feedback, ideas, or suggestions, you grant ARS a perpetual, irrevocable, worldwide, royalty-free right to use them without restriction or payment, provided ARS does not identify you publicly without permission.

ARS may create and use aggregated or deidentified information that does not reasonably identify the Customer or an individual to operate, secure, analyze, benchmark, and improve the Platform and its services. ARS will not attempt to reidentify that information except to test privacy and security protections or as required by law.

16 Availability Support and Beta Features

We aim to provide reliable access but do not guarantee uninterrupted or error-free operation. Maintenance, internet conditions, third-party dependencies, emergencies, and events outside our reasonable control may affect availability. Support channels and service levels, if any, are stated in the applicable plan or agreement.

Features labeled beta, preview, pilot, experimental, or similar are optional, may change or end at any time, and are provided as is without service-level commitments. Do not use beta features for material decisions unless independently verified.

17 Suspension Termination and Data

Either party may terminate as provided in the applicable order form or written agreement. ARS may suspend or terminate access if we reasonably believe there is a security risk, unlawful use, material breach, nonpayment, threat to the Platform or another customer, or legal requirement. When practical, we will provide notice and an opportunity to cure.

After termination, the Customer must stop using the Platform and pay amounts due. On verified request, and subject to technical feasibility, the applicable plan, legal obligations, and our Privacy Policy, we will provide a reasonable opportunity to export available Customer Data and will delete or deidentify Customer Data from active systems. Disconnecting QuickBooks alone does not cancel a paid subscription and does not necessarily delete previously imported data.

Sections that by their nature should survive will survive, including payment obligations, confidentiality, intellectual property, disclaimers, limitations of liability, indemnification, dispute terms, and rights concerning aggregated or deidentified information.

18 Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, THE PLATFORM AND ALL OUTPUTS ARE PROVIDED AS IS AND AS AVAILABLE. ARS DISCLAIMS ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, SECURITY, AVAILABILITY, AND RESULTS.

ARS DOES NOT WARRANT THAT THE PLATFORM WILL IDENTIFY EVERY ERROR, FRAUD, DUPLICATE, MISCLASSIFICATION, CASH-FLOW ISSUE, TAX ISSUE, CONTROL WEAKNESS, OR BUSINESS RISK; THAT DATA FROM QUICKBOOKS OR ANOTHER SOURCE IS ACCURATE OR COMPLETE; OR THAT ANY FORECAST, BENCHMARK, ALERT, OR RECOMMENDATION WILL PRODUCE A PARTICULAR RESULT. THE CUSTOMER REMAINS RESPONSIBLE FOR REVIEW, APPROVAL, AND BUSINESS DECISIONS.

19 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES OR FOR LOST PROFITS, REVENUE, SAVINGS, GOODWILL, BUSINESS OPPORTUNITY, OR DATA, EVEN IF ADVISED THAT SUCH DAMAGES ARE POSSIBLE.

TO THE FULLEST EXTENT PERMITTED BY LAW, ARS TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE PLATFORM OR THESE TERMS WILL NOT EXCEED THE AMOUNTS THE CUSTOMER PAID TO ARS FOR THE PLATFORM DURING THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. THIS LIMIT DOES NOT REDUCE LIABILITY THAT CANNOT LAWFULLY BE LIMITED. THE PARTIES AGREE THAT THESE LIMITS ALLOCATE RISK AND ARE A MATERIAL BASIS OF THE AGREEMENT.

20 Indemnification

The Customer will defend, indemnify, and hold harmless ARS, its affiliates, and their owners, personnel, and contractors from third-party claims, damages, fines, penalties, costs, and reasonable attorneys’ fees arising from Customer Data; the Customer’s or an authorized user’s unlawful or unauthorized conduct; violation of these Terms; infringement or violation of a third party’s rights; or failure to obtain required authority, consent, or permissions. ARS will promptly notify the Customer of a covered claim and reasonably cooperate. The Customer may control the defense, but may not settle a claim in a manner that admits fault by or imposes an obligation on ARS without ARS written consent.

21 Compliance and Export Controls

Each party will comply with laws applicable to its performance under these Terms. You may not use or export the Platform in violation of U.S. sanctions, export controls, anti-money-laundering laws, or other applicable restrictions. You represent that you are not prohibited from receiving the Platform under applicable law.

22 Changes to These Terms

We may update these Terms by posting a revised version and changing the effective or last-updated date. If a change materially reduces your rights during a paid term, we will provide reasonable notice through the Platform, by email, or by another appropriate method. Continued use after the change becomes effective means acceptance. If you do not agree, you must stop using the Platform and cancel as permitted by the applicable agreement.

23 Governing Law and Disputes

These Terms are governed by Florida law without regard to conflict-of-law principles. Before filing a claim, each party will give written notice describing the dispute and allow at least thirty days for good-faith informal resolution, unless urgent injunctive relief is reasonably necessary.

Any action arising out of or relating to the Platform or these Terms must be brought exclusively in the state courts located in Miami-Dade County, Florida, or the United States District Court for the Southern District of Florida, and each party consents to personal jurisdiction and venue there. TO THE FULLEST EXTENT PERMITTED BY LAW, EACH PARTY WAIVES TRIAL BY JURY AND AGREES TO BRING CLAIMS ONLY IN ITS INDIVIDUAL CAPACITY, NOT AS A PLAINTIFF OR CLASS MEMBER IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

24 General Terms

Neither party may assign these Terms without the other party’s consent, except that ARS may assign them to an affiliate or in connection with a merger, reorganization, financing, or sale of all or substantially all relevant assets. These Terms do not create a partnership, joint venture, agency, employment, franchise, or fiduciary relationship.

Notices may be delivered electronically. If a provision is unenforceable, it will be modified to the minimum extent needed and the remainder will remain effective. A waiver must be in writing and applies only to the specific instance. Neither party is liable for delay caused by events beyond reasonable control, except payment obligations. These Terms and incorporated written agreements are the entire agreement concerning the Platform and supersede prior discussions on that subject.

Questions about privacy or deletion requests should also be sent to info@arsaccounting.com.