Terms of Service

FinanceOS is operated worldwide by the following Israel-based sole trader:

By creating an account or using FinanceOS, you agree to these Terms. If you act for a business, you confirm that you may bind it to these Terms.

You must be at least 18 and legally able to enter a contract. Provide accurate information, protect your credentials and authenticator codes, and promptly tell us about suspected unauthorised access. You are responsible for activity under your account unless applicable law says otherwise.

FinanceOS helps self-employed people record financial information, prepare invoices and exports, estimate tax reserves, and organise cross-border business records. It does not process, hold or transmit payments between you and your clients.

FinanceOS is not an accountant, law firm, tax adviser, financial adviser or regulated financial institution. Tax reserves, safe-to-spend amounts, currency conversions, deadlines, reports and other outputs are estimates for planning only. They may be incomplete or wrong. Consult a qualified professional in the relevant country before filing, paying tax, making legal decisions or relying on an output.

AI-generated document fields, insights and support replies can be inaccurate. Review every output before using or saving it; you remain responsible for your records and decisions. If you connect your own Anthropic, OpenAI or Google API key, you are responsible for that key, its charges and compliance with the provider's terms. We encrypt saved keys, but no system can guarantee absolute security.

You must not use FinanceOS unlawfully; infringe rights; upload malware; harass others; send unsolicited invoice messages; probe, bypass or disrupt security or usage limits; access another person's data; misuse the REST API or MCP server; scrape or bulk-extract the service except through your authorised exports; reverse engineer the service except where law expressly permits it; resell access; or use automated traffic that harms availability. Keep personal API keys private and revoke any exposed key.

You retain ownership of records, documents, logos, invoice data and other content you provide. You grant us a limited, worldwide, non-exclusive licence to host, copy, process, transmit, back up and display that content only as needed to operate, secure and support FinanceOS, follow your instructions and meet legal obligations. You confirm you have the right to provide content relating to clients or other people.

Basic costs $29/month or $159/year (saving $189 against twelve monthly payments). Pro costs $39/month or $259/year (saving $209). New accounts receive a 7-day free trial with no payment method required. When the trial ends without a plan, the account becomes read-only (your data stays viewable and exportable). A paid plan starts when you complete checkout and renews automatically at the selected interval until cancelled. Taxes may be added where required. Current checkout terms and the price are shown before purchase.

Lemon Squeezy acts as Merchant of Record for FinanceOS subscriptions. It is the seller for the payment transaction and handles checkout, payment processing, payment receipts or invoices, applicable sales tax/VAT and payment-related refunds. Its checkout and payment terms also apply. FinanceOS does not receive or store complete card numbers.

You can cancel renewal through Billing. Cancellation takes effect at the end of the trial or paid period unless law or our Refund & Cancellation Policy provides otherwise. Access may become read-only after entitlement ends, but your data is not automatically deleted. Upgrades or downgrades may be prorated by Lemon Squeezy. Mandatory consumer rights remain unaffected.

FinanceOS is provided “as is” and “as available”. We do not promise uninterrupted, error-free or permanently available service, or that every jurisdiction's tax rules or deadlines are covered. We may maintain, improve, replace or discontinue features. If a material change significantly reduces a paid service, we will give reasonable notice where practicable.

You may stop using FinanceOS or delete your account at any time, subject to separately cancelling a paid subscription. We may restrict or suspend access to protect users or the service, respond to legal requirements, address non-payment, or investigate a serious breach. We may terminate for a material or repeated breach, normally after reasonable notice unless urgent action is needed. Provisions intended to survive termination do so.

To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential or punitive loss, lost profits, lost opportunities, or decisions made from estimates or AI output. Our total aggregate liability arising from FinanceOS is capped at the fees paid for the service during the 12 months before the event giving rise to the claim. Nothing excludes liability that cannot legally be excluded, including fraud, wilful misconduct, or mandatory consumer remedies.

To the extent permitted by law, if you use FinanceOS for business purposes, you will indemnify us against third-party claims and reasonable costs caused by your unlawful use, your content, your breach of these Terms, or your infringement of another person's rights. This does not apply to the extent a claim was caused by us.

These Terms are governed by the laws of Israel, without regard to conflict-of-law rules. The courts in Tel Aviv, Israel have exclusive jurisdiction, except that consumers may bring claims and rely on mandatory protections in their country of habitual residence where those rights cannot be waived. Nothing here limits mandatory EU, UK, US state or other local consumer rights.

We may update these Terms for legal, security or service changes. We will give reasonable in-app or email notice before a material change takes effect, unless urgent legal or security reasons require faster action. Continuing to use FinanceOS after the effective date means you accept the revised Terms; if you do not, cancel and stop using the service.

If part of these Terms is unenforceable, the rest remains effective and the invalid part will be limited as closely as law permits. Delay in enforcing a right is not a waiver. You may not transfer these Terms without consent; we may transfer them with the business or service, subject to applicable law. These Terms and linked policies are the agreement about the service.

Questions or legal notices: osfinance06@gmail.com. Support: support@financeos.money.