Platform Subscriber Agreement

01 Parties and Acceptance

This Platform Subscriber Agreement ("Agreement") is entered into between Financiario LLC ("Financiario," "we," "us," or "our"), a California limited liability company, and the entity or individual who completes the platform checkout and accepts this Agreement ("Subscriber" or "you").

By checking the acceptance box at checkout on the Financiario platform, or accessing the platform following checkout, you confirm that you have read, understood, and agree to be bound by this Agreement in its entirety. If you are accepting on behalf of a company or other 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. Material updates will be communicated with at least 30 days advance notice. Continued use of the platform following the notice period constitutes acceptance of the revised terms.

02 The Financiario Platform

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 — continuously updated as new data flows in and made available to Subscriber's CEO and finance team from the same connected source of truth.

Platform capabilities, subscription tiers, and included features are described in the subscription confirmation provided at checkout and 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 during the active subscription term.

The platform is engineered to operate without requiring a dedicated FP&A operator or analyst. Subscriber provides source accounting data; the platform delivers the financial intelligence infrastructure. All platform outputs are derived from data provided by Subscriber and from assumptions configured within the platform.

03 Subscription, Billing, and Access

3.1 Subscription Access

Subject to the terms of this Agreement and timely payment of all applicable fees, 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 identified 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 in the subscription confirmation at the time of payment. The subscription fee is charged to the payment method provided at checkout on the first day of each billing period. Subscribers who elect an annual or upfront payment option (where available) are charged the applicable amount at the time of checkout. 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, as displayed at checkout or as communicated at the time of subscription activation. From time to time, Financiario may offer promotional pricing or discounts on the onboarding and implementation fee, which will be reflected in the pricing displayed at checkout. Subscribers with a valid promotional or discount code may enter it at checkout to apply any applicable reduction. Where applicable, the implementation fee covers custom platform onboarding, chart of accounts mapping, financial model configuration, dashboard setup, and data integration establishment specific to Subscriber's accounting environment. Where an implementation fee applies, it is charged to the payment method provided at checkout only after Financiario has made platform access available to Subscriber in accordance with this Agreement. Platform access is typically delivered within approximately 48 hours of subscription activation, subject to timely provision of required data and access by Subscriber. Subscriber will receive advance notice of any implementation fee charge and a calendar link to schedule a platform handover session at the time of delivery.

The implementation fee is non-refundable once platform access has been made available to Subscriber in accordance with the specifications of this Agreement. If platform delivery is delayed due to Subscriber's failure to provide required data or access, the implementation fee charge date adjusts accordingly.

3.4 Configuration Change Fees

The initial platform setup is configured to Subscriber's accounting environment at the time of onboarding. Changes following initial setup that require material re-engineering of the platform configuration — 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. For the avoidance of doubt, updates to Subscriber's chart of accounts arising in the normal course of business — including addition of new accounts, reclassification of existing accounts, and removal of inactive accounts — are included in the subscription and do not constitute a billable configuration change. A rate schedule is available upon request at support@financiario.com. Financiario will provide a written Change Request summary for Subscriber approval before any configuration work commences.

3.5 Minimum Initial Term and Automatic Renewal

Each subscription is subject to a minimum initial term of three months from the date of subscription activation (the "Minimum Term"). Cancellation requests submitted before the end of the Minimum Term will take effect at the conclusion of the Minimum Term, subject to the three-month written notice requirement in Section 3.6. For clarity, where a cancellation notice is submitted during the Minimum Term, the effective cancellation date will be 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. No action is required to continue the subscription from period to period. Renewal is at the then-current subscription fee unless Financiario has provided advance notice of a pricing adjustment per Section 3.7.

3.6 Cancellation

Either party may cancel this Agreement upon three months (90 days) written notice delivered to the other party's designated contact. The three-month notice period is consistent with the Minimum Term established in Section 3.5, reflecting the operational and configuration commitment involved in each subscription. 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, forecast refresh, dashboard access, AI Copilot access, and all automated platform outputs cease at the end of the notice period. Financiario provides limited-time read access to available dashboards for historical data export during a transition window communicated at the time of cancellation.

3.7 Pricing Adjustments

Financiario may adjust subscription pricing upon 60 days advance written notice. Adjusted pricing takes effect at the start of the first billing period following the close of the notice window. If Subscriber does not accept the adjusted pricing, Subscriber may cancel per Section 3.6 before the new pricing takes effect without penalty.

3.8 Payment Failure and Suspension

If a payment method fails, Financiario may suspend platform access until the outstanding balance is resolved. Financiario reserves the right to suspend Subscriber's platform access immediately in the event of: (i) non-payment of fees; (ii) material breach of this Agreement; or (iii) any use of the platform that Financiario reasonably determines poses a risk to the platform, other subscribers, or Financiario's systems. Financiario will notify Subscriber of any suspension and its basis as promptly as practicable. 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 this Agreement for the other party's material breach upon written notice specifying the breach. The breaching party has 30 days from receipt of notice to cure the breach. If the breach is not cured within that period, the non-breaching party may terminate the Agreement upon written notice.

3.10 Account Security

Subscriber is responsible for maintaining the security and confidentiality of all login credentials and for all activity conducted under its account. Account credentials may not be shared with unauthorized parties. Notify Financiario immediately at support@financiario.com if unauthorized account access is suspected.

3.11 Academy Bundled Arrangements

Where access to the Financiario platform is offered as part of, or in conjunction with, a membership in the CEO Financial Intelligence Academy, the applicable subscription fee, term, and included features may differ from those set out in Financiario's standard pricing schedule. Academy-bundled arrangements are governed by the terms of the applicable Academy membership agreement, which may provide for a minimum commitment period of up to twelve months aligned with the Academy membership cycle, a bundled subscription rate that differs from the standard monthly fee, and access to additional services or advisory components not available under a standalone Financiario subscription. In the event of any conflict between this Agreement and the terms of an Academy membership agreement, the Academy membership agreement governs with respect to fee, term, and bundled services; all other provisions of this Agreement apply in full.

04 Platform Setup and Onboarding

4.1 Onboarding and Initial Configuration

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 specific to the Subscriber's business structure, dashboard calibration, and data source and integration establishment. The onboarding configuration is specific to the Subscriber's data structure and available integration capabilities at the time of onboarding.

Data integration is established based on what is technically available within the Subscriber's accounting environment. 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 are available under the ALLSIGHT plan. Update cadence is contingent on Subscriber providing accurate, complete, and timely source data.

The platform supports financial data in USD and additional currencies, as selected during the subscription checkout or onboarding process. Multi-currency environments are configured during onboarding.

4.2 Configuration Changes

Changes to the platform configuration following initial setup require a formal Change Request and are billed at Financiario's then-current Professional Services rates per Section 3.4.

05 Multi-Entity Access

Each platform subscription applies to a single legal entity as registered at the time of subscription checkout. Each entity within a corporate group, holding structure, or affiliated organization requires its own Financiario subscription and is subject to a separate Agreement. Multi-entity setup is billed separately per entity at the applicable subscription and implementation fees.

Where a Subscriber operates multiple entities under a coordinated Financiario arrangement, inter-company integration and consolidated financial reporting across subscribed entities is included at no additional charge as part of the multi-entity configuration. Changes to the entity roster are subject to the Change Request process in Section 3.4.

06 Data Security and Confidentiality

6.1 Security Infrastructure

Financiario operates entirely within the Microsoft Azure cloud environment. All Subscriber Data processed and stored on the platform is protected by Microsoft Azure's enterprise-grade security infrastructure, including AES-256 encryption at rest, TLS 1.2 or higher encryption in transit, role-based access controls (RBAC), user-level authentication with secure session management and access logging, and Microsoft Azure's compliance framework including SOC 2 and ISO 27001 standards maintained by Microsoft at the infrastructure level. API and SQL connections between the platform and Subscriber accounting systems are secured through encrypted credential management and access-scoped authentication tokens.

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 large language model 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 in effect at the time of processing, which Financiario will make available to Subscriber upon request. Subscriber should not submit through AI query inputs any data subject to heightened regulatory protection — including HIPAA-protected health information or payment card data — unless Subscriber has confirmed that applicable regulatory requirements permit such processing.

6.2 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. This license terminates upon cancellation, subject to the transition provisions in Section 3.6.

Subscriber represents and warrants that it holds all rights necessary to provide Subscriber Data to Financiario, that doing so complies with all applicable laws, and that Subscriber Data does not infringe the rights of any third party.

6.3 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 legal process, or with Subscriber's prior written consent. This obligation survives termination of this Agreement.

6.4 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 in connection with such use.

07 Intellectual Property

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, protected by US and international copyright, trademark, and trade secret law.

This Agreement grants Subscriber a limited access right to platform outputs for internal business use only. The following are expressly prohibited:

• Reproduction, redistribution, sublicensing, or resale of platform outputs, models, or content
• Reverse engineering, disassembling, or extracting proprietary model structures, dashboard architecture, AI training data, scoring logic, or data processing methodology
• Development of derivative works or competing products based on Financiario's models, frameworks, or methodologies
• Sharing platform access credentials with unauthorized parties
• Use of platform outputs or methodology in training AI models or automated systems outside the Subscriber's own Azure environment without Financiario's prior written consent

08 Platform Outputs and Subscriber Responsibility

8.1 Nature of Platform Outputs

Financiario processes Subscriber-provided source data through its proprietary financial intelligence infrastructure and delivers automated outputs including financial models, forecasts, dashboards, variance reports, scorecards, and AI-generated analysis. All outputs are derived exclusively from data provided by Subscriber and from assumptions configured within the platform.

Financiario represents and warrants the following with respect to platform outputs:

• Financial statement integrity: balance sheets produced by the platform will balance, and financial statements will integrate in accordance with established financial reporting best practice — income statement results flowing to retained earnings, cash flow statements reconciling to balance sheet cash positions, and all three statements reflecting a consistent and connected view of the data provided.
• Forecast assumption linkage: forecasted assumptions configured within the platform will drive the respective financial categories and accounts in all forward-looking outputs in accordance with the model's disclosed structure.
• Analytical consistency: platform analytics and ratios follow disclosed formulas and deliver aggregated conclusions using all available data from historical actuals and forecasted assumptions loaded in the model at the time of calculation.

Financiario engineers its platform with advanced financial expertise and applies all best efforts to deliver a state-of-the-art, coordinated financial intelligence output that is deeply useful for executive decision-making.

8.2 Subscriber's Responsibility for Data and Decisions

How Subscriber chooses to use platform outputs, what conclusions Subscriber draws from them, and what decisions Subscriber makes in reliance on them are entirely within Subscriber's own judgment and responsibility. Financiario does not represent that any platform output is suitable for any particular purpose. The following responsibilities remain exclusively with Subscriber:

• Source data accuracy: Subscriber is responsible for the accuracy, completeness, and timeliness of all accounting data, trial balances, general ledger exports, and other source data provided to the platform. Platform outputs are only as accurate as the data on which they are based.
• Assumption validation: Subscriber is responsible for reviewing, understanding, and validating all forecast assumptions loaded into the platform before placing reliance on forecast outputs.
• Professional advice: Subscriber is responsible for engaging qualified professional advisors — including a licensed accountant, tax professional, and legal counsel — for all matters requiring professional judgment. Platform outputs are a complement to, not a substitute for, qualified professional advice.
• External use and distribution: Subscriber takes full responsibility for any use of platform outputs in external communications, financial reporting, presentations to lenders or investors, or any other context in which third parties may rely on them.

09 Testimonials and Feedback

Subscriber may be invited to provide feedback, testimonials, or participation in case studies relating to their experience with the Financiario platform. Any such contribution is entirely voluntary.

By submitting a testimonial, case study contribution, 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 and communications channels, including the Financiario website, social media, and sales materials. Financiario will not identify Subscriber by name or publish identifiable financial data in any external marketing without Subscriber's prior written consent.

10 Warranties and Limitation of Liability

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. In the event of a material platform failure, Financiario's obligation is to use commercially reasonable efforts to restore platform functionality within a reasonable time. THIS WARRANTY IS EXCLUSIVE AND IN LIEU OF ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

10.2 Limitation of Liability

FINANCIARIO'S AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE PLATFORM SHALL NOT EXCEED 25% OF THE TOTAL FEES PAID BY SUBSCRIBER TO FINANCIARIO IN THE TWELVE MONTHS IMMEDIATELY PRECEDING THE CLAIM. FINANCIARIO SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH 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 reasonable attorneys' fees) arising from: (i) Subscriber's use of the platform; (ii) Subscriber's breach of this Agreement; (iii) Subscriber Data provided to Financiario; or (iv) Subscriber's violation of any applicable law or third-party rights.

11 Acceptable Use

Subscriber agrees to use the platform solely for lawful internal business purposes in accordance with this Agreement. The following are prohibited:

• Use of the platform or its outputs for fraudulent financial reporting or any unlawful purpose
• Unauthorized access to or interference with any part of the platform or its underlying systems
• Automated scraping, harvesting, or bulk extraction of platform data without express written consent
• Introduction of malware, viruses, or harmful code into the platform environment
• Infringement of any intellectual property, privacy, or other rights of Financiario or any third party
• Any use that could reasonably be expected to damage, disable, or impair the platform or other subscribers' access to it

12 Force Majeure

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, third-party platform disruptions including Microsoft Azure service interruptions, labor disputes, or governmental actions.

13 Governing Law and Dispute Resolution

This Agreement is governed by the laws of the State of California, without regard to its conflict of law provisions.

Any dispute arising out of or relating to this Agreement or the platform shall first be subject to good-faith negotiation between the parties for a period of 30 days from written notice of the dispute. If not resolved through negotiation, the dispute shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, with proceedings conducted in Contra Costa County or San Francisco, California. Either party may seek injunctive or equitable relief in a court of competent jurisdiction to protect intellectual property rights without waiving the right to arbitration.

If arbitration is found unenforceable for any reason, the parties irrevocably consent to the exclusive jurisdiction of the state or federal courts located in Contra Costa County or San Francisco, California for resolution of all disputes.

Each party may bring claims only in an individual capacity. Neither party may participate as a plaintiff or class member in any class or representative proceeding related to this Agreement. Any claim must be filed within one year of the cause of action arising or be permanently barred.

14 General Provisions

• Entire Agreement. This Agreement constitutes the complete agreement between the parties regarding the platform and supersedes all prior understandings and representations.
• Amendments. Financiario may amend this Agreement with 30 days advance written notice for material changes. Continued use of the platform following the notice period constitutes acceptance.
• Severability. If any provision is held invalid or unenforceable, it shall be modified to the minimum extent necessary to make it enforceable. Remaining provisions continue in full force.
• No Waiver. Failure to enforce any provision at any time does not constitute a waiver of future enforcement rights.
• Assignment. Subscriber may not assign this Agreement without Financiario's prior written consent. Financiario may assign this Agreement in connection with a merger, acquisition, or sale of substantially all of its assets, with notice to Subscriber.
• Notices. All formal notices must be in writing and delivered to support@financiario.com (Financiario) or to the Subscriber's registered contact on file. Notices are effective upon confirmed delivery.
• Relationship of Parties. The parties are independent contractors. Nothing in this Agreement creates a partnership, joint venture, agency, employment, or fiduciary relationship.
• Survival. Sections 6 (Data Security and Confidentiality), 7 (Intellectual Property), 8 (Platform Outputs and Subscriber Responsibility), 9 (Testimonials), 10 (Warranties and Liability), and 13 (Governing Law) survive termination or expiration of this Agreement.

15 Contact

Financiario LLC
support@financiario.com
financiario.com
3400 Cottage Way Ste G2 #25328, Sacramento, CA 95825

✓ Acceptance