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Mutual Confidentiality. Each party (“Disclosing Party”) may share information with the other party (“Receiving Party”) that is confidential and proprietary (“Confidential Information”). Confidential Information includes, without limitation: financial data, accounting records, and business information provided by Subscriber; and platform technology, model architecture, pricing, methodologies, and proprietary frameworks belonging to Financiario LLC.
Non-Disclosure Obligation. Each Receiving Party agrees to: (i) hold all Confidential Information in strict confidence; (ii) use Confidential Information solely for the purpose of the subscription and services described in this Agreement; (iii) not disclose Confidential Information to any third party without the Disclosing Party’s prior written consent; and (iv) protect Confidential Information with at least the same degree of care used to protect its own confidential information, but no less than reasonable care.
Exceptions. Confidentiality obligations do not apply to information that: (i) is or becomes publicly known through no breach of this Agreement; (ii) was rightfully known by the Receiving Party before disclosure; (iii) is independently developed by the Receiving Party without use of Confidential Information; or (iv) is required to be disclosed by applicable law or court order, provided the Receiving Party gives prompt written notice where legally permissible.
Term. NDA obligations apply during the active subscription term and for three years following its termination or expiry. Financiario LLC’s confidentiality obligations with respect to Subscriber financial data survive indefinitely per Section 6.3 of this Agreement.
This Subscriber Agreement (“Agreement”) is entered into between Financiario LLC (“Financiario”), a California limited liability company, and the entity or individual who completes the platform checkout and accepts this Agreement (“Subscriber” or “you”). By selecting a plan and proceeding to checkout, you confirm that you have read, understood, and agree to be bound by this Agreement and the NDA above in their entirety. If you are accepting on behalf of a company or legal entity, you represent that you have authority to bind that entity. This Agreement constitutes the complete agreement between the parties with respect to the platform. Financiario may update this Agreement at any time with at least 30 days advance written notice. Continued use constitutes acceptance of the revised terms.
Financiario is an institutional-grade financial intelligence technology platform that transforms Subscriber accounting data into a fully integrated, continuously updated financial operating system. The platform processes source data through Financiario’s proprietary infrastructure and delivers automated financial models, rolling forecasts, variance analysis, executive dashboards, performance scoring, and AI-powered financial intelligence. Platform capabilities, subscription tiers, and included features are described in Financiario’s then-current pricing schedule at financiario.com/pricing. Financiario continuously develops and improves the platform; Subscribers benefit from new capabilities as they are released. The platform is engineered to operate without requiring a dedicated FP&A operator or analyst.
3.1 Subscription Access. Financiario grants Subscriber a limited, non-exclusive, non-transferable right to access and use the platform for Subscriber’s internal business purposes during the active subscription term. This right is specific to the legal entity registered at the time of subscription checkout.
3.2 Subscription Fee. Financiario offers multiple subscription plans and pricing tiers, which may include options for annual or upfront payment at a discounted rate. Available plans and current pricing are described at financiario.com/pricing. The subscription fee is as displayed at checkout and confirmed at the time of payment, charged on the first day of each billing period. All fees are denominated in USD unless otherwise stated. Cancellation and any applicable refund obligations are governed by the cancellation policy in Section 3.6.
3.3 Implementation Fee. A one-time onboarding and implementation fee may apply to each subscription. From time to time, Financiario may offer promotional pricing or discounts on this fee, reflected at checkout; valid promotional or discount codes may be entered at checkout. The fee is charged only after Financiario has made platform access available in accordance with this Agreement, and is non-refundable once platform access has been made available to Subscriber in accordance with the specifications of this Agreement.
3.4 Configuration Change Fees. Changes following initial setup that require material re-engineering — including addition of new legal entities, new data source connections, or fundamental restructuring of the financial model — require a formal Change Request and are billed at Financiario’s then-current Professional Services rates. Updates to Subscriber’s chart of accounts arising in the normal course of business (new accounts, reclassifications, removals) are included in the subscription and do not constitute a billable configuration change.
3.5 Minimum Term and Automatic Renewal. Each subscription is subject to a minimum initial term of three months from activation. Cancellation requests submitted before the end of the Minimum Term will take effect at the later of: (i) the end of the Minimum Term, or (ii) three months from the date of the cancellation notice. Following the Minimum Term, this Agreement renews automatically on a monthly basis unless either party provides written cancellation notice per Section 3.6.
3.6 Cancellation. Either party may cancel upon three months (90 days) written notice. Cancellation does not entitle Subscriber to a refund of fees charged for the current or any prior billing period. Upon cancellation, Subscriber retains permanent access to the static three-statement financial model reflecting historical data through the most recent completed month-end. Live updating, forecasts, dashboards, AI Copilot access, and all automated outputs cease at the end of the notice period.
3.7 Pricing Adjustments. Financiario may adjust subscription pricing upon 60 days advance written notice, taking effect at the start of the first billing period following the close of the notice window.
3.8 Payment Failure and Suspension. If a payment method fails, Financiario may suspend platform access until the outstanding balance is resolved. Unpaid balances accrue interest at 1.5% per month or the maximum rate permitted by applicable law, whichever is lower.
3.9 Termination for Material Breach. Either party may terminate for the other’s material breach upon written notice. The breaching party has 30 days to cure. If not cured, the non-breaching party may terminate upon written notice.
3.10 Account Security. Subscriber is responsible for maintaining the security and confidentiality of all login credentials. Notify Financiario immediately at support@financiario.com if unauthorized access is suspected.
3.11 Academy Bundled Arrangements. Where access to the Financiario platform is offered as part of a membership in the CEO Financial Intelligence Academy, the applicable subscription fee, term, and included features may differ from Financiario’s standard pricing schedule. Such arrangements may provide for a minimum commitment period of up to twelve months, a bundled rate, and access to additional services. The Academy membership agreement governs with respect to fee, term, and bundled services; all other provisions of this Agreement apply in full.
4.1 Onboarding. Each new Subscriber engagement includes a custom onboarding process through which Financiario’s team configures the platform to the Subscriber’s specific accounting setup — including chart of accounts mapping, external financial report structures, financial model configuration, dashboard calibration, and data source and integration establishment. Supported integration methods include secure CSV upload of general ledger or trial balance exports, API connection where the Subscriber’s accounting system supports it, and SQL connection where available. Currently supported direct integrations include QuickBooks Online and Xero. Additional integrations available under the ALLSIGHT plan.
Each subscription applies to a single legal entity as registered at the time of checkout. Each entity within a corporate group or affiliated organization requires its own subscription and is subject to a separate Agreement. Where Subscriber operates multiple entities under a coordinated Financiario arrangement, inter-company integration and consolidated reporting across subscribed entities is included at no additional charge.
6.1 Security Infrastructure. Financiario operates entirely within the Microsoft Azure cloud environment. All Subscriber Data is protected by AES-256 encryption at rest, TLS 1.2+ encryption in transit, role-based access controls, and Microsoft Azure’s compliance framework including SOC 2 and ISO 27001 standards at the infrastructure level.
6.2 AI Data Processing. Where subscribed, the Financiario AI Copilot operates within the Subscriber’s dedicated Azure environment. Subscriber acknowledges that the operation of AI features involves transmitting query inputs and relevant Subscriber Data to a large language model (LLM) for processing. While Financiario applies access controls, data minimization practices, and tenant isolation, the nature of LLM technology requires that data submitted through AI queries be processed by the underlying model infrastructure. Financiario does not use Subscriber Data to train, fine-tune, or otherwise improve any AI model. AI processing is governed by the applicable model provider’s data handling and usage policies, which Financiario will make available upon request. Subscriber should not submit data subject to heightened regulatory protection — including HIPAA-protected health information or payment card data — unless applicable regulatory requirements permit such processing.
6.3 Data Ownership. Subscriber retains full ownership of all financial data, accounting records, and information provided to the platform (“Subscriber Data”). Subscriber grants Financiario a limited license to access, process, and store Subscriber Data solely to deliver platform services during the active subscription term.
6.4 Confidentiality. Financiario treats all Subscriber Data as strictly confidential. Subscriber Data is not disclosed to third parties except as required to operate and maintain the platform, as required by applicable law, or with Subscriber’s prior written consent. This obligation survives termination.
6.5 Aggregated Data. Financiario may use anonymized, aggregated, non-identifiable data derived from platform usage for product development, benchmarking, and research. No Subscriber-identifiable information is disclosed.
All platform technology, financial model architecture, dashboard configurations, data processing logic, AI training methodology, proprietary frameworks, algorithms, scoring systems, and visual outputs — including but not limited to the CEO Finance Dashboard™, CEO Scorecard, Financiario AI Copilot infrastructure, visual executive management dashboards and presentation infrastructure, forecasting models, and the SAAAS Framework™ — are and remain the exclusive property of Financiario LLC. The following are expressly prohibited: reproduction, redistribution, or resale of platform outputs; reverse engineering or extracting proprietary model structures; development of derivative or competing products based on Financiario’s models or methodologies; sharing platform credentials with unauthorized parties; and use of platform outputs in training AI models outside Subscriber’s own Azure environment without Financiario’s prior written consent.
8.1 Nature of Outputs. All outputs are derived exclusively from data provided by Subscriber and from assumptions configured within the platform. Financiario warrants that balance sheets will balance, financial statements will integrate in accordance with established best practice, and platform analytics follow disclosed formulas using all available data loaded at the time of calculation.
8.2 Subscriber’s Responsibility. Subscriber is solely responsible for the accuracy and completeness of all source data; for reviewing and validating all forecast assumptions; for engaging qualified professional advisors for all matters requiring professional judgment; and for any use of platform outputs in external communications, lender presentations, or other contexts in which third parties may rely on them. Platform outputs are financial intelligence tools engineered to support executive decision-making. They are not audited financial statements, professional accounting opinions, investment recommendations, legal advice, or tax guidance.
By submitting a testimonial, case study, or other feedback to Financiario, Subscriber grants Financiario LLC a worldwide, non-exclusive, royalty-free, perpetual license to use, reproduce, adapt, publish, and distribute such content across Financiario’s marketing channels. Financiario will not identify Subscriber by name or publish identifiable financial data without Subscriber’s prior written consent.
10.1 Platform Warranty. Financiario warrants that the platform will perform materially in accordance with its description in the subscription confirmation and Financiario’s then-current pricing schedule during the active subscription term. THIS WARRANTY IS EXCLUSIVE AND IN LIEU OF ALL OTHER WARRANTIES, EXPRESS OR IMPLIED.
10.2 Limitation of Liability. FINANCIARO’S AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS AGREEMENT SHALL NOT EXCEED 25% OF TOTAL FEES PAID BY SUBSCRIBER IN THE TWELVE MONTHS IMMEDIATELY PRECEDING THE CLAIM. FINANCIARO SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.
10.3 Indemnification. Subscriber agrees to defend, indemnify, and hold harmless Financiario LLC, its members, officers, employees, and contractors from and against any claims, damages, losses, and expenses (including attorneys’ fees) arising from Subscriber’s use of the platform, breach of this Agreement, Subscriber Data provided, or violation of any applicable law or third-party rights.
Subscriber agrees to use the platform solely for lawful internal business purposes. Prohibited: use for fraudulent financial reporting; unauthorized access to or interference with platform systems; automated scraping or bulk extraction without written consent; introduction of malware or harmful code; infringement of any intellectual property or privacy rights; any use that could damage, disable, or impair the platform.
Neither party shall be liable for delays or failures in performance caused by circumstances beyond its reasonable control, including acts of God, natural disasters, cyberattacks, power or internet outages, Microsoft Azure service interruptions, labor disputes, or governmental actions.
This Agreement is governed by the laws of the State of California. Any dispute shall first be subject to good-faith negotiation for 30 days. If unresolved, disputes shall be resolved by binding arbitration administered by the AAA under its Commercial Arbitration Rules in Contra Costa County or San Francisco, California. Claims must be brought only in an individual capacity — no class proceedings. Any claim must be filed within one year of the cause of action arising or be permanently barred.
This Agreement constitutes the complete agreement between the parties and supersedes all prior understandings. Financiario may amend this Agreement with 30 days advance written notice; continued use constitutes acceptance. Subscriber may not assign this Agreement without Financiario’s prior written consent. Financiario may assign in connection with a merger, acquisition, or asset sale with notice to Subscriber. The parties are independent contractors. Sections 6, 7, 8, 9, 10, and 13 survive termination or expiration of this Agreement.
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