Legal

Terms of Service

Last updated: April 10, 2026

These Terms of Service (“Terms”) govern your access to and use of the OparFinance platform and services (the “Service”) provided by OparFinance Inc. (“OparFinance”, “we”, “us”, or “our”). By accessing or using the Service, you agree to be bound by these Terms.

1. Acceptance of Terms

By creating an account, connecting a QuickBooks or bank account, or otherwise accessing the Service, you represent that you are at least 18 years old and have the legal authority to enter into these Terms on behalf of yourself or the entity you represent. If you do not agree to these Terms, do not use the Service.

2. Description of the Service

OparFinance is an AI-powered financial intelligence platform that integrates with QuickBooks Online, QuickBooks Desktop, and bank accounts (via Plaid) to provide:

  • Automated transaction categorization and merchant name resolution
  • Financial health scoring and proactive alerts
  • Receipt and bill data extraction via OCR
  • Conversational AI CFO assistant (Fin)
  • Reports, dashboards, and compliance tracking
  • Job and project cost tracking

The Service is designed to assist with financial data organization and analysis. It is not a substitute for professional accounting, tax, or legal advice.

3. User Accounts and Responsibilities

You are responsible for:

  • Maintaining the confidentiality of your account credentials and restricting access to your account.
  • All activity that occurs under your account, whether authorized by you or not.
  • Ensuring the accuracy of the information you provide, including QuickBooks and bank account connections.
  • Reviewing and approving AI-categorized transactions before they are posted to your QuickBooks account.
  • Complying with all applicable laws and regulations in connection with your use of the Service.

You agree not to use the Service to engage in any unlawful activity, transmit harmful code, attempt to gain unauthorized access to our systems, or interfere with other users' use of the Service.

4. Billing and Payment

Paid plans are billed in advance on a monthly or annual basis through Stripe. Prices are listed on our pricing page and may change with 30 days' notice. Key billing terms:

  • Free trial: New accounts receive a 14-day free trial. No credit card is required to start a trial.
  • Automatic renewal: Subscriptions renew automatically at the end of each billing period unless canceled.
  • Cancellation: You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period. No prorated refunds are issued for partial periods.
  • Refunds: We do not offer refunds for completed billing periods except as required by applicable law.
  • Failed payments: If a payment fails, we will attempt to collect the payment for up to 14 days. If payment is not received, your account may be suspended.

5. Read-Only Access and Data Handling

OparFinance connects to your QuickBooks account and bank accounts using read-only access by default. We do not:

  • Move money between accounts
  • Initiate bank transfers or payments
  • Store your bank login credentials
  • Modify your QuickBooks data without your explicit approval

When you approve a transaction for posting or enable the auto-post feature with a confidence threshold you set, we will write the approved data to your QuickBooks account via the QuickBooks API. You remain responsible for reviewing and verifying all data posted to your books.

6. No Financial, Tax, or Legal Advice

The Service, including the Fin AI CFO assistant, provides financial data analysis and organizational tools only. OparFinance does not provide financial, investment, tax, legal, or accounting advice. Outputs generated by our AI, including categorizations, health scores, projections, and conversational responses, are informational and should not be relied upon as professional advice.

You should consult qualified professionals (accountants, tax advisors, attorneys) for decisions relating to your financial, tax, or legal matters. OparFinance is not liable for any decisions you make based on information provided by the Service.

7. Intellectual Property

The Service, including its software, design, logos, documentation, and all related intellectual property, is owned by OparFinance Inc. and is protected by copyright, trademark, and other laws. You are granted a limited, non-exclusive, non-transferable license to use the Service for your internal business purposes during your subscription period.

You retain all ownership rights to your financial data. By using the Service, you grant OparFinance a limited license to access, process, and display your data solely to provide the Service to you.

8. Limitation of Liability

To the maximum extent permitted by applicable law:

  • OparFinance is provided “as is” and “as available” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
  • We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components.
  • We do not warrant the accuracy or completeness of AI-generated categorizations, reports, or recommendations.
  • In no event shall OparFinance be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities, arising out of or related to your use of the Service.
  • Our total aggregate liability for any claims arising from or related to the Service shall not exceed the amounts you paid to OparFinance in the twelve (12) months preceding the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless OparFinance and its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service, your violation of these Terms, or your violation of any applicable law or the rights of a third party.

10. Termination

You may terminate your account at any time by contacting us or using the account settings in the Service. We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice, including if we reasonably believe you have violated these Terms.

Upon termination, your right to use the Service ceases immediately. We will retain your data for 30 days after termination to allow you to export it, after which it will be deleted in accordance with our Privacy Policy. Provisions that by their nature should survive termination (including liability limitations, indemnification, and governing law) will remain in effect.

11. Changes to These Terms

We may modify these Terms at any time. If we make material changes, we will notify you by email or by posting a notice on the Service at least 30 days before the changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Service.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any disputes arising from or related to these Terms or the Service shall be resolved exclusively in the state or federal courts located in San Francisco County, California.

13. Contact Us

If you have any questions about these Terms of Service, please contact us: