Welcome to FinLoom. By accessing or using our platform at finloom.io (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.
FinLoom is a financial management platform that provides inventory tracking, freelance business management, and financial planning and analysis tools (collectively, the "Service"). The Service is operated by FinLoom ("we," "us," or "our").
You must be at least 18 years old and capable of entering into a binding agreement to use this Service. By creating an account, you represent that you meet these requirements.
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to provide accurate, current, and complete registration information. You must notify us immediately of any unauthorized use of your account.
4.1. Free Trials and Promotional Offers. From time to time, FinLoom may offer free trials, discounted promotional pricing, or other special offers ("Promotional Offers"). Each Promotional Offer is governed by additional terms specific to that offer, which we publish separately at finloom.io/offer-terms.html. Promotional Offers may include eligibility restrictions, time limits, conversion-to-paid behavior (including automatic billing of a payment method on file at the end of a trial), and one-redemption-per-customer limits. By redeeming any Promotional Offer, you agree to its specific terms in addition to these Terms. We reserve the right to modify or terminate any Promotional Offer at any time; customers who have already enrolled will continue under the terms as enrolled.
4.2. Paid Plans. Subscription fees are billed in advance on a monthly or annual basis depending on your selected plan. All fees are non-refundable except as required by law.
4.3. Cancellation. You may cancel your subscription at any time through your account settings or the Stripe Customer Portal. You have two options: (a) cancel immediately, which takes effect at the end of your current billing period — you retain full access until then; or (b) schedule a future cancellation date, in which case billing continues at your current rate until that date and your access remains uninterrupted, giving you time to transition to another service. No partial refunds are issued for unused portions of a billing cycle.
4.4. Price Changes. We may change subscription pricing with at least 30 days advance notice. Continued use after a price change constitutes acceptance.
You agree not to: (a) use the Service for any unlawful purpose; (b) attempt to gain unauthorized access to any part of the Service; (c) interfere with or disrupt the Service; (d) upload viruses, malware, or harmful code; (e) use the Service to transmit spam or unsolicited communications; (f) reverse engineer, decompile, or disassemble any portion of the Service.
6.1. Ownership. You retain all ownership rights to the data you enter into the Service ("Your Data"). We do not claim ownership of Your Data.
6.2. License Grant. You grant us a limited, non-exclusive license to use, store, process, and display Your Data solely to provide and improve the Service.
6.3. Data Export. You may export Your Data at any time using the export features within the Service. Upon account closure, you may request a copy of Your Data by contacting us.
6.4. Data Security. We use commercially reasonable measures to protect Your Data, including encryption in transit and at rest via our infrastructure provider (Supabase). However, no method of electronic storage is 100% secure, and we cannot guarantee absolute security.
7.1. Not Professional Advice. The financial planning tools, templates, projections, budgets, cash flow statements, balance sheets, and other outputs generated by the Service are provided for informational and planning purposes only. They do not constitute professional financial, accounting, tax, or legal advice.
7.2. As-Is Basis. All financial templates, models, and calculations are provided on an "as-is" basis. While we strive for accuracy, we make no warranty that any calculation, projection, or output is error-free or suitable for any particular purpose. You are responsible for verifying all financial data and outputs before relying on them for business decisions.
7.3. Consult Professionals. We strongly recommend consulting a qualified accountant, financial advisor, or attorney before making business decisions based on information from the Service.
8.1. AI Outputs Are Estimates. The Service includes AI-powered features such as competitive price estimates, pricing recommendations, product categorization, listing description generation, financial forecast narratives, contract analysis, and other automated outputs ("AI Outputs"). All AI Outputs are generated by artificial intelligence models and are approximations only. They may be inaccurate, incomplete, outdated, or unsuitable for your specific situation.
8.2. No Guarantee of Accuracy. AI-generated pricing data, market comparisons, and recommendations are derived from AI model training data and available information sources, not guaranteed real-time market feeds. Prices, availability, and market conditions change continuously. You must independently verify all AI Outputs before making business, pricing, financial, or legal decisions.
8.3. Your Responsibility. You are solely responsible for reviewing, validating, and deciding whether to act on any AI Output. FinLoom is not liable for any loss, damage, or adverse outcome resulting from reliance on AI Outputs, including but not limited to incorrect pricing decisions, inaccurate financial projections, flawed contract analysis, or missed market opportunities.
8.4. AI Sub-Processors. AI features are powered by third-party AI model providers. Your data submitted to AI features is processed by these providers solely to generate the requested output. We select providers with appropriate data handling practices, but we cannot guarantee how third-party providers process data beyond our contractual agreements with them.
8.1. Platform Disclaimer. FinLoom provides tools for creating invoices, proposals, and other business documents. FinLoom is not a party to any agreement, contract, or transaction between you and your clients or customers. We are a tool provider, not a participant in your business relationships.
8.2. Contract Templates. Any contract templates, proposal templates, or document templates provided through the Service are for convenience only and are provided on an "as-is" basis. They do not constitute legal advice. You are solely responsible for ensuring that any documents you create, send, or sign using the Service comply with applicable laws and meet your specific legal requirements.
8.3. Electronic Signatures. If the Service includes electronic signature functionality, FinLoom facilitates the signing process but makes no representation regarding the legal enforceability of electronic signatures in your jurisdiction. You are responsible for determining whether electronic signatures are valid and enforceable for your use case.
8.4. No Liability for Transactions. FinLoom is not responsible for: (a) disputes between you and your clients; (b) non-payment of invoices; (c) the enforceability of contracts or proposals created using the Service; (d) any loss arising from reliance on templates provided by the Service.
The Service may allow you to import data from third-party accounting software (QuickBooks, Xero, Wave, FreshBooks, Sage, Zoho, and others). We are not affiliated with these providers and make no warranty regarding the accuracy of imported data. You are responsible for verifying imported data.
11.1. API and Integration Services. The Service may offer API access, webhooks, and integrations with third-party platforms (including but not limited to Shopify, WooCommerce, and other e-commerce or accounting platforms). These features are provided for your convenience and are subject to these Terms.
11.2. No Guarantee of Availability. Third-party APIs and integrations may experience downtime, rate limiting, data format changes, or discontinuation outside our control. We do not guarantee uninterrupted operation of any integration or data synchronization.
11.3. Data Sync Accuracy. While we use commercially reasonable efforts to ensure data synchronization accuracy, we are not liable for data sync errors, duplicate entries, missed webhook deliveries, or downstream effects of integration failures. You are responsible for monitoring and verifying synced data.
11.4. API Keys and Security. You are responsible for safeguarding any API keys issued to you. You must not share API keys publicly or embed them in client-side code. We may revoke API keys that we reasonably believe have been compromised.
12.1. Separate Terms Required. Use of the Service for white-label, resale, or redistribution purposes requires a separate written agreement with FinLoom. Unauthorized white-label or resale use is a violation of these Terms and may result in immediate account termination.
12.2. Reservation of Rights. We reserve the right to establish, modify, or discontinue white-label and reseller programs at our sole discretion.
The Service, including its design, code, documentation, branding, and all related intellectual property, is owned by FinLoom and protected by copyright and other intellectual property laws. You may not copy, modify, distribute, or create derivative works from any part of the Service without our prior written consent.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINLOOM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, BUSINESS OPPORTUNITY, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE, REGARDLESS OF THE CAUSE OF ACTION OR THE THEORY OF LIABILITY.
OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
You agree to indemnify and hold harmless FinLoom and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any third-party rights; (d) any documents, invoices, or contracts you create using the Service.
20.1. By You. You may close your account at any time by contacting us or through your account settings.
20.2. By Us. We may suspend or terminate your account if you violate these Terms, fail to pay subscription fees, or if we reasonably believe your use of the Service poses a risk to us or other users.
20.3. Effect of Termination. Upon termination, your right to use the Service ceases immediately. We may retain Your Data for operational, legal, or compliance purposes. You may request deletion of Your Data by contacting us at legal@finloom.io.
We may modify these Terms at any time by posting the updated version on our website. Material changes will be communicated via email or in-app notification at least 15 days before taking effect. Continued use of the Service after changes take effect constitutes acceptance.
These Terms are governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, United States, without regard to conflict of law principles. Any disputes shall be resolved in the state or federal courts located in Philadelphia, Pennsylvania.
20.1. Entire Agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and FinLoom regarding the Service.
20.2. Severability. If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.
20.3. Waiver. Our failure to enforce any provision of these Terms does not constitute a waiver of that provision.
20.4. Assignment. You may not assign your rights under these Terms without our prior written consent. We may assign our rights and obligations without restriction.
For questions about these Terms, contact us at: legal@finloom.io