Terms of Service

01The agreement

These Terms are a contract between [legal entity] ("Scotty", "we") and the business that opens an account ("you"). By creating an account, starting a trial, or using Scotty, you accept them. If you are accepting on behalf of a company, you confirm you are authorised to bind it.

Our Privacy Policy is part of this agreement.

02What Scotty is

Scotty is bookkeeping and accounting software with an agent that works on your books. It categorizes transactions, reconciles bank and card accounts, drafts invoices, follows up on receivables, triages related email, and prepares records for your accountant.

These are properties of the software, not undertakings we could quietly drop. If we ever change one, it becomes a material change to these Terms under section 21.

03Your account

• You must be 18 or older and able to enter a contract.
• You are responsible for the accuracy of your account details and for everything done under your account.
• Keep your credentials secret. Tell us promptly at [security@ email] if you think an account has been compromised.
• Seats are for named people. Do not share one login across a team.

04Plans and billing

Scotty is sold per company per month: Starter at $39, Plus at $79, and Pro at $149. Each company you keep books for carries its own plan and is billed separately.

• Plans are billed monthly in advance. There is no annual prepay discount.
• Fees are exclusive of taxes. You are responsible for any sales, use or VAT that applies.
• Adding a company bills immediately rather than starting a second free trial.
• You can change plans at any time in Billing. An upgrade takes effect immediately; a downgrade takes effect at your next billing date and may remove access to features and the data those features produced.
• If a payment fails we may retry it and, after notice, suspend the account.

We may change prices. Existing customers get at least [notice period] notice by email before a change applies to them, and you can cancel before it takes effect.

05Trial, cancelling, refunds

Every plan starts with seven days free. You add a card to begin, and it is not charged during the trial. If you cancel in Billing before day seven, you are not charged at all. If you do not cancel, the card is charged for the plan you chose and the subscription continues month to month.

You can cancel at any time in Billing. Cancellation stops the next renewal; it does not refund the current month, and you keep access until the end of the period you have paid for. Export your books before that date. Beyond that, [refund policy].

06What you are responsible for

Scotty does the work. You own the result. Specifically, you are responsible for:

• The accuracy and completeness of your books, including anything Scotty proposed and you approved.
• Reviewing what the agent suggests before approving it.
• Filing your own returns and meeting your own regulatory deadlines.
• Having the right to connect any bank account, accounting file or mailbox you connect, and the right to give us the data in it.
• Keeping your own records as the law requires, independent of your Scotty account.

07Approvals

Scotty asks before it acts, and an approval is a real decision. When you approve a draft, you are directing the software to take that action and you are accepting the content of it as your own.

We are not liable for the consequences of an action you approved, including an invoice sent to the wrong contact, a message with a figure you did not check, or a categorization you accepted that turns out to be wrong for your circumstances. The approval step exists so the decision is yours; please use it as one.

08Not professional advice

Tax and accounting rules vary by jurisdiction, entity type and circumstance, and they change. Categorizations, calculations, reports and suggestions are produced automatically and can be wrong. Have a qualified professional review your books before you rely on them for a filing, a loan application, a valuation, or any other decision that matters. If your accountant disagrees with something Scotty did, your accountant is right.

09Acceptable use

Do not use Scotty to break the law, launder money, evade tax, or misrepresent your financial position to anyone. Do not attempt to access another organisation's data, probe or interfere with the service, reverse engineer it, resell it outside our partner program, scrape it, or use it to build a competing product. Do not upload malware or content you do not have the right to upload.

Automated access is limited to what our documented interfaces allow, at reasonable volumes.

10Your data

Your books are yours. You keep all rights in the data you put into Scotty and the data we retrieve on your instruction.

You grant us a limited licence to host, copy, process, transmit and display that data for the purpose of running the service for you, supporting you, and meeting our legal obligations. That licence ends when your data is deleted. We also use aggregated and de-identified data, which cannot be traced back to you or your business, to improve the product.

We do not sell your data and we do not provide your books to a third-party model provider for training. The Privacy Policy has the detail.

11Connected services

Scotty connects to services you authorise, including bank and card connections through Plaid and accounting imports from QuickBooks. Those services are operated by third parties under their own terms, and we are not responsible for their availability, accuracy or acts. If a bank changes an interface or a provider drops support, a connection can break through no fault of ours.

Keeping QuickBooks in sync after the initial import is a paid add-on and is not included in the base plans.

12Our intellectual property

Scotty, the software, the website, the name, the logo and everything we produce remain ours. You get a non-exclusive, non-transferable right to use the service during your subscription, and nothing more. Feedback you send us is something we can use freely, without obligation to you.

13Confidentiality

Each side will protect the other's confidential information with at least reasonable care and use it only for this agreement. This does not cover information that is public, already known, independently developed, or lawfully received from someone else. Disclosure that the law compels is permitted, with notice to the other side where notice is allowed.

14Availability and support

We aim to keep Scotty available and we will give notice of planned maintenance where we can. We do not currently offer a contractual uptime commitment on the standard plans, and we would rather say that plainly than imply one.

We may change, add or remove features. If we remove something you rely on, we will give reasonable notice. Support is provided through the channels listed in the product.

15Disclaimers

Scotty is provided "as is" and "as available". To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty that the service will be uninterrupted, error free, or that automated output will be accurate or complete.

Some jurisdictions do not allow certain exclusions, so parts of this section may not apply to you.

16Limitation of liability

To the fullest extent the law allows, neither side is liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, lost revenue, lost data, or business interruption, even if warned they were possible.

Our total liability arising out of or relating to this agreement is limited to the fees you paid us for the affected account in the twelve months before the event giving rise to the claim.

These limits do not apply to your obligation to pay fees, to either side's liability for fraud, or to anything that cannot lawfully be limited.

17Indemnification

You will defend and indemnify us against third-party claims arising from your use of Scotty in breach of these Terms, your data or content, or your violation of law or of someone else's rights. We will defend and indemnify you against a third-party claim that the Scotty software itself infringes their intellectual property.

18Suspension and termination

You can close your account at any time. We may suspend or terminate an account for non-payment, for a breach of section 9, or where continuing would expose us or another customer to legal or security risk. Except in urgent cases we will give notice and a chance to fix the problem first.

On termination your right to use Scotty ends. You can export your books during the retention window described in the Privacy Policy, after which they are deleted. Sections 10, 12, 13, 15, 16, 17 and 20 survive termination.

19Partner firms

Accounting firms in our partner program sign a separate agreement covering private-label use, tier pricing, the revenue split and referral terms. Where that agreement conflicts with these Terms, it governs for that firm. Businesses served through a partner firm still use the software under these Terms.

20Governing law

This agreement is governed by the laws of [governing law], without regard to conflict of law rules. The courts of [venue] have exclusive jurisdiction, and both sides consent to that venue. [Dispute resolution: arbitration or courts, class action waiver, and jury trial waiver to be set by counsel.]

If any provision is unenforceable, the rest stays in force. Our not enforcing something is not a waiver of it. You may not assign this agreement without our consent; we may assign it in a merger or sale of the business.

21Changes to these terms

We may update these Terms. The date at the top reflects the current version. For a material change we will give at least [notice period] notice by email or in the product. Continuing to use Scotty after a change takes effect means you accept it; if you do not, cancel before then.

22Contact

Legal notices: [legal@ email]
Postal: [legal entity and registered address]

See also the Privacy Policy and the Security page.