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Terms of Service

Version: 1.0 Effective date: 2026-05-14 Last updated: 2026-05-14

These Terms of Service ("Terms") are a legal agreement between you and A&F Business Consulting Inc. ("A&F," "we," "us," or "our") governing your access to and use of ProfitControl Suite (the "Service"). By creating an account, signing in, or otherwise using the Service, you agree to these Terms.

If you do not agree to these Terms, do not use the Service.

1. Who can use the Service

To use the Service, you must:

  • Be at least 18 years old.
  • Have the legal authority to bind the business or organization on whose behalf you use the Service.
  • Provide accurate information when you create your account and keep it up to date.

The Service is intended for businesses, business owners, and authorized employees or contractors of those businesses. It is not intended for personal, family, or household use.

2. Your account

  • Accounts are provisioned by an authorized administrator or through a controlled invitation flow. Self-service sign-up is disabled.
  • You are responsible for safeguarding your credentials. Do not share your password, passkey, or session.
  • You must register at least one passkey to enable phishing-resistant multi-factor authentication. The Service will not provide access to financial data until a passkey is registered.
  • Notify us at security@jetbrackets.com (our monitored security inbox) immediately if you suspect unauthorized access to your account.
  • You are responsible for activity that occurs under your account, except where we are at fault.

3. Subscription and billing

  • The Service is offered on a paid subscription basis. Current pricing is shown on our website and at checkout. As of the effective date of these Terms, the Professional Plan is $39.99 per month.
  • Payments are processed by Stripe, Inc. Stripe's terms apply to your use of their payment processing.
  • Trial periods, if offered, are non-transferable. We may modify trial terms at any time.
  • Subscription fees are billed in advance for the upcoming billing period and are non-refundable except as required by law. Partial-period refunds are at our discretion.
  • We may change pricing on at least 30 days' written notice to you. Price changes take effect at the start of the next billing period after the notice.
  • You can cancel at any time from within the Service. Cancellation takes effect at the end of the current billing period; you retain access to the Service until then.
  • If a payment fails, we may suspend your access until payment is resolved. We will give you reasonable notice and opportunity to update your payment method before terminating.

4. Use of the Service

You agree to use the Service only in accordance with these Terms and applicable law. You will not:

  • Attempt to gain unauthorized access to the Service, other accounts, or our systems.
  • Reverse-engineer, decompile, or attempt to derive source code from the Service, except to the extent that law expressly permits despite this restriction.
  • Use the Service to upload, store, or process data that you do not have the legal right to use.
  • Probe, scan, or test the vulnerability of the Service except through a security-disclosure channel we authorize in writing.
  • Interfere with or disrupt the Service, including transmitting malicious code, sending excessive requests, or scraping data.
  • Use the Service to compete with us, build a competing product, or train an artificial-intelligence model.
  • Misrepresent your identity or affiliation with any person or organization.
  • Use the Service in a way that violates anti-money-laundering, sanctions, export control, or other applicable laws.

We may suspend or terminate your access if you violate these restrictions.

5. Your data

You retain ownership of all data you submit to or generate through the Service, including financial data, P&L imports, manual entries, and bank transaction data retrieved on your behalf via Plaid ("Your Data").

You grant A&F a worldwide, royalty-free, non-exclusive license to host, copy, transmit, display, and process Your Data solely as needed to provide and improve the Service for you and to comply with legal obligations. We do not use Your Data to train artificial-intelligence models. When you use the AI advisor feature, Your Data is sent to OpenAI under a no-training data-use policy.

You represent and warrant that you have the legal right to provide Your Data to the Service and that doing so does not violate any law, contract, or third-party right.

Our handling of personal information is described in our Privacy Policy, which is incorporated into these Terms.

6. Third-party integrations

The Service integrates with third-party providers, including:

  • Plaid Inc. for retrieving bank transaction data. Your use of Plaid is also governed by Plaid's end-user terms and privacy policy, which you accept inside the Plaid Link consent flow.
  • Stripe, Inc. for payment processing.
  • OpenAI, L.L.C. for AI-powered insights, used under OpenAI's API terms with no training on your data.
  • Google LLC for optional OAuth sign-in.

We do not control these third parties. Their availability and terms may change. We are not liable for acts or omissions of third-party providers, except where required by law.

7. Financial advice disclaimer

ProfitControl Suite is a software tool. It is not a registered investment adviser, broker-dealer, certified public accountant, tax advisor, attorney, or fiduciary. Reports, dashboards, AI advisor responses, recommendations, and other outputs of the Service are for informational purposes only and do not constitute financial, accounting, tax, legal, or investment advice.

AI-generated content may be inaccurate, incomplete, or out of date. Do not rely on the Service as the sole basis for any business decision. Verify outputs with qualified professionals and your underlying records.

8. Intellectual property

A&F owns all rights in the Service, including the software, design, brand, and documentation, other than Your Data. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service during your active subscription, in accordance with these Terms.

You may not copy, modify, distribute, sell, or create derivative works of the Service, except to the limited extent permitted by law.

9. Service availability

We aim to provide a reliable Service but do not guarantee uninterrupted availability. We may modify, suspend, or discontinue features, with notice for material changes. We may also perform maintenance, which may briefly affect availability.

10. Disclaimers

To the maximum extent permitted by law:

The Service is provided "as is" and "as available." A&F and its sub-processors disclaim all warranties, whether express, implied, statutory, or otherwise, including the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, reliability, and uninterrupted availability.

We do not warrant that the Service will be error-free, that defects will be corrected, that the Service will be free of harmful components, or that any output of the Service is accurate or complete.

11. Limitation of liability

To the maximum extent permitted by law:

  • Neither A&F nor its sub-processors will be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost revenue, lost data, lost goodwill, or cost of substitute services, arising out of or related to these Terms or the Service, even if advised of the possibility of such damages.
  • A&F's total cumulative liability for all claims related to these Terms or the Service is limited to the amount you paid us for the Service in the twelve (12) months immediately preceding the event giving rise to liability.

Some jurisdictions do not allow the exclusion or limitation of certain damages. To the extent these limitations are unenforceable in your jurisdiction, our liability is limited to the smallest extent permitted by law.

12. Indemnification

You will indemnify, defend, and hold harmless A&F and its officers, directors, employees, contractors (including Jetbrackets), and sub-processors from any claim, loss, damage, liability, or expense (including reasonable attorneys' fees) arising out of: (a) Your Data, (b) your use of the Service in violation of these Terms or applicable law, or (c) your violation of any third-party right.

13. Termination

You may terminate these Terms at any time by cancelling your subscription. We may suspend or terminate your access if you breach these Terms, if required by law, or if continued provision of the Service to you would create a security, legal, or operational risk.

When these Terms terminate:

  • Your right to access the Service ends.
  • Sections that by their nature should survive termination (including Sections 5, 8, 10, 11, 12, 14, and 15) survive.
  • Your data is retained and deleted per the schedule in our Privacy Policy.

14. Governing law and disputes

These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to its conflict-of-laws rules. The exclusive venue for any dispute is the state or federal courts located in Middlesex County, Massachusetts, and you and A&F consent to personal jurisdiction in those courts.

Before filing a formal claim, you agree to first contact us at fernanda@afbusinessconsulting.com and attempt in good faith to resolve the dispute informally for at least 30 days.

If any provision of these Terms is held unenforceable, the remaining provisions remain in effect.

15. General

  • Entire agreement. These Terms, together with the Privacy Policy and any subscription order, are the entire agreement between you and A&F regarding the Service and supersede prior agreements.
  • Assignment. You may not assign these Terms without our written consent. We may assign these Terms in connection with a merger, acquisition, financing, or sale of assets.
  • No waiver. Our failure to enforce a provision is not a waiver of our right to enforce it later.
  • Force majeure. Neither party is liable for delays caused by events beyond reasonable control (natural disasters, war, civil unrest, government action, internet or utility failures).
  • Updates. We may update these Terms from time to time. For material changes, we will give at least 14 days' notice by email or in-app banner before the change takes effect. Continued use of the Service after the effective date constitutes acceptance.

16. Contact

A&F Business Consulting Inc. General: fernanda@afbusinessconsulting.com Security: security@jetbrackets.com (monitored on A&F's behalf by Jetbrackets) Privacy: privacy@afbusinessconsulting.com