RBFiscrete

Terms of Service

Effective date: November 6, 2026

These Terms of Service (“Terms”) govern your access to and use of Fiscrete (the “Service”), operated by Fiscrete LLC, a Nevada limited liability company (“Fiscrete,” “we,” “us”). By creating an account or using the Service, you agree to these Terms. If you are using the Service on behalf of a business, you represent that you are authorized to bind that business to these Terms.

1. Eligibility and accounts

You must be at least 18 years old and able to form a binding contract to use the Service. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Notify us immediately at support@fiscrete.com if you suspect unauthorized use of your account.

2. Description of the Service

Fiscrete is a bookkeeping platform that helps you track transactions, manage customers and vendors, organize financial documents, and optionally sync with QuickBooks Online. The Service includes AI-assisted features intended to speed up bookkeeping tasks.

3. Not accounting, tax, legal, or financial advice

Fiscrete is a bookkeeping tool, not a licensed accounting, tax, legal, or financial service. Nothing in the Service, including anything produced by its AI-assisted features, constitutes professional accounting, tax, legal, financial, or investment advice, and use of the Service does not create an accountant-client or similar professional relationship. The Service does not tell you how an item should be treated for tax purposes, whether you are legally required or permitted to do something, or what to do with your money. You are responsible for reviewing your books and consulting a qualified professional (such as a CPA, bookkeeper, tax advisor, attorney, or licensed financial advisor) before making financial, investment, tax, or legal decisions.

4. AI-assisted features

The Service uses artificial intelligence in several places: to suggest categories for your transactions; to read (extract) dates, descriptions, and amounts from statements and other documents you upload; and, where enabled, to answer questions in the Books Assistant and to explain job estimates. AI output is provided for your convenience only and may be inaccurate, incomplete, or out of date. For example, an extracted amount or date can be misread, a suggested category can be wrong, and Books Assistant answers are based on your categorized transactions, which may themselves be incomplete. It is not professional accounting, tax, legal, financial, or investment advice.

AI output is never treated by the Service as a final, posted accounting record without your review and approval. You must review it, and check it against your source documents, before relying on it or approving it. You are solely responsible for what you approve and for any decision you make based on AI output.

5. Third-party integrations

If you connect a third-party account (such as QuickBooks Online) to the Service, you authorize us to access and exchange data with that third party on your behalf, subject to that provider’s own terms and privacy practices, which we do not control. You can disconnect a third-party integration at any time from your account settings.

6. Subscriptions and billing

Paid plans are billed through our payment processor, Stripe, on the cycle and at the price shown at the time of purchase. Subscriptions renew automatically until canceled. You can cancel at any time from your account settings or the Stripe billing portal; cancellation takes effect at the end of the current billing period unless otherwise stated at checkout. Except as required by law or as we state at the time of a specific offer, payments are non-refundable.

7. Your data

You retain ownership of the business and financial data you input into or connect to the Service. We process that data as described in our Privacy Policy. You are responsible for the accuracy of the data you provide and for having the right to provide any third-party data (such as customer or vendor contact information) you enter into the Service.

8. Acceptable use

You agree not to:

  • Use the Service for any unlawful purpose or in violation of any applicable law;
  • Attempt to gain unauthorized access to the Service, other accounts, or our systems;
  • Reverse engineer, decompile, or attempt to extract the source code of the Service, except where applicable law permits;
  • Interfere with or disrupt the integrity or performance of the Service; or
  • Use the Service to store or transmit data you do not have the right to share.

9. Intellectual property

The Service, including its software, design, and branding, is owned by Fiscrete and protected by applicable intellectual property laws. These Terms do not grant you any rights to our trademarks or branding. We grant you a limited, non-exclusive, non-transferable license to use the Service for your internal business purposes, subject to these Terms.

10. Termination

You may stop using the Service and close your account at any time. We may suspend or terminate your access if you violate these Terms, if required by law, or if we discontinue the Service, with notice where reasonably practicable. Upon termination, your right to use the Service ends; certain data may be retained as described in our Privacy Policy.

11. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE, INCLUDING ANY AI-GENERATED SUGGESTIONS, WILL BE ACCURATE, ERROR-FREE, OR UNINTERRUPTED.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FISCRETE WILL 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. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THESE TERMS OR THE SERVICE WILL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE.

13. Indemnification

You agree to indemnify and hold Fiscrete harmless from any claims, losses, or expenses (including reasonable attorneys’ fees) arising from your use of the Service, your violation of these Terms, or your violation of any third party’s rights, including any data you input into the Service without authorization to do so.

14. Governing law

These Terms are governed by the laws of the State of Nevada, without regard to its conflict-of-law principles. Any dispute that is not subject to arbitration under Section 16 (for example, a small-claims matter, or a claim by either party for injunctive relief to protect its intellectual property or confidential information) will be brought in state or federal courts located in Nevada, and you consent to the personal jurisdiction of those courts for that purpose.

15. Beta service

The Service is currently offered as a closed beta. It may contain bugs, may change materially, may be interrupted, and is not guaranteed to be available at any particular time. We do not guarantee any specific level of uptime, data integrity, or feature stability during the beta period, and we may add, change, or remove features without notice. You should keep your own copies of critical financial records (for example, by periodically exporting your data or keeping originals of source documents) rather than relying on the Service as your sole record. We will do our best to give notice before the beta period ends or before any change that materially affects your access to your data.

16. Dispute resolution and arbitration

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court.

You and Fiscrete agree to resolve any dispute arising out of or relating to these Terms or the Service through binding individual arbitration, rather than in court, except that (a) either party may bring an individual claim in small-claims court if it qualifies, and (b) either party may seek injunctive relief in court to protect its intellectual property or confidential information. The arbitration will be administered under the consumer or commercial arbitration rules (as applicable) of a recognized arbitration provider, conducted in English, and may be conducted remotely or on written submissions where the provider’s rules allow.

Class action waiver. You and Fiscrete agree that any proceeding to resolve a dispute will be conducted only on an individual basis and not as a class, consolidated, or representative action. If this class action waiver is found unenforceable as to a particular claim, that claim (and only that claim) will proceed in court rather than in arbitration, and the rest of this section will still apply to all other claims.

30-day opt-out. You may opt out of this arbitration and class action waiver by emailing support@fiscrete.com from the email address associated with your account within 30 days of first agreeing to these Terms, stating that you opt out of arbitration. Opting out does not affect any other part of these Terms.

17. General provisions

Entire agreement. These Terms, together with our Privacy Policy and any order or checkout terms shown to you at the time of purchase, are the entire agreement between you and Rose Business Books regarding the Service, and supersede any prior agreements on the same subject.

Severability. If any provision of these Terms is found unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full effect.

No waiver. Our failure to enforce any provision of these Terms is not a waiver of our right to enforce it later.

Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of all or substantially all of our assets.

Force majeure. Neither party is liable for any failure or delay in performance to the extent caused by circumstances beyond that party’s reasonable control, including outages of third-party providers we rely on to operate the Service.

18. Accessibility

We are committed to making the Service usable by people with disabilities and aim to conform to the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA. This commitment reflects our obligations under the Americans with Disabilities Act (ADA), California’s Unruh Civil Rights Act, and comparable accessibility standards in other jurisdictions (for example, the EU’s EN 301 549 standard). If you encounter an accessibility barrier while using the Service or need to request an accommodation, contact us at support@fiscrete.com; we will respond within a reasonable time, and in any event within 45 days.

19. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will notify you by email or through the Service before the change takes effect. Continued use of the Service after a change takes effect constitutes acceptance of the updated Terms.

20. Contact us

Questions about these Terms can be sent to support@fiscrete.com.

Terms of Service | Fiscrete