YarehIQ Terms of Service

Effective date: [effective date] · Version: 2026-11-08

These Terms of Service ("Terms") are a contract between [YarehIQ legal entity], a subsidiary of CollectIQ Technologies LLC ("YarehIQ," "we," "us") and the business that signs up for or uses YarehIQ ("Customer," "you"). YarehIQ is bookkeeping and accounting software: double-entry books for one or more companies, invoices and bills, bank imports and reconciliation, reports, and connections to other software (the "Service"). By creating an account, clicking to accept, or using the Service, you agree to these Terms. If you accept on behalf of a company, you confirm you have authority to bind it.

1. Who may use YarehIQ

  1. The Service is for businesses and their bookkeepers and accountants, not for personal, family, or household use. You must be at least 18 and able to form a binding contract.
  2. Each company whose books you keep in YarehIQ must be one you own, manage, or are authorized to keep books for.

2. Accounts and users

  1. You are responsible for everyone who uses your account ("Users"), for keeping login credentials secure, and for everything done under your account.
  2. Tell us promptly at [legal contact email] if you suspect unauthorized access.
  3. You must give us accurate account and billing information and keep it current.

3. Plans, fees, and billing

  1. Subscriptions. Plans are priced by the number of companies and users, as shown at sign-up or on your billing page. Subscriptions renew automatically each month (or year, if you choose annual billing) until cancelled.
  2. Payment. Fees are charged in advance through our payment processor. You authorize us to charge your payment method for all fees and applicable taxes.
  3. Add-ons and usage. Some features, such as automatic bank connections or payroll through a connected provider, may carry additional fees, shown before you turn them on.
  4. Price changes. We will give at least 30 days' notice before a price increase takes effect for your subscription.
  5. Failed payments. If a payment fails, we will notify you and retry. If payment is not made within 14 days after notice, we may make your account read-only until it is. Your books are not deleted.
  6. Cancellation. You may cancel at any time; cancellation takes effect at the end of the current billing period. Fees already paid are non-refundable except where required by law or stated otherwise in writing.
  7. Taxes. Fees do not include taxes. You are responsible for applicable sales, use, and similar taxes, other than taxes on our income.

4. Your books are your responsibility

  1. Not tax, legal, or accounting advice. YarehIQ organizes and reports the financial information you and your connected services provide. It does not give tax, legal, accounting, or investment advice. Starter charts of accounts, suggested categories, and reports are general templates. Have a qualified accountant review your setup, your books, and your filings.
  2. Accuracy. You are responsible for the accuracy and completeness of your books, including reviewing every transaction YarehIQ categorizes, matches, or posts automatically, every reconciliation, and every report you rely on or give to others (such as lenders, investors, or tax authorities).
  3. Automation and AI. Rules, matching, recurring entries, and AI suggestions are tools. They can be wrong. Entries posted automatically are recorded in the activity log and can be reviewed and reversed.
  4. Filings and deadlines. You are responsible for your tax returns, information returns (such as Forms 1099), payroll filings, sales tax filings, and all deadlines, whether or not you prepare them using information from YarehIQ.
  5. Record keeping. You are responsible for keeping records for as long as the law requires, including tax-law retention periods. Export your books regularly and before cancelling.

5. Connected services

  1. The Service can connect to services you choose, such as bank-data providers (for example, Stripe Financial Connections), payroll providers, payment processors, BlaqueIQ, and other software ("Third-Party Services"). You connect them under your own agreements with those providers and are responsible for their fees.
  2. We do not control Third-Party Services and are not responsible for their availability, accuracy, or changes, including missing, duplicated, or delayed bank transactions. Reconcile your accounts to your bank statements.
  3. When you connect a Third-Party Service, you authorize us to send and receive data with it on your behalf.
  4. Payroll is provided by the connected payroll provider under its own terms. The payroll provider, not YarehIQ, calculates, pays, and files payroll and payroll taxes.

6. Your data

  1. You own your data. "Customer Data" means data you, your Users, or your connected services submit to the Service for your account. As between you and us, you own Customer Data.
  2. Our license to operate the Service. You give us a limited license to host, copy, process, transmit, and display Customer Data only as needed to provide, secure, support, and improve the Service, and as described in our Privacy Policy.
  3. No AI training on your data. We do not use Customer Data to train artificial intelligence models, and we do not allow our AI providers to do so.
  4. Aggregated data. We may create aggregated, de-identified statistics from use of the Service that do not identify you, your companies, or any individual, and use them to operate and improve the Service.
  5. Export and deletion. You may export your books (reports and transaction data) at any time while your account is active, including while it is read-only. After cancellation, you have 30 days to export; after that we delete your data within 90 days, except copies we must keep by law, and encrypted backups, which expire on their normal schedule.

7. Security and availability

  1. We use reasonable administrative, technical, and physical safeguards to protect Customer Data, including encryption in transit, encrypted backups, access controls, and an activity log of changes to your books.
  2. We aim to keep the Service available but do not guarantee uninterrupted or error-free operation.
  3. We will notify you without unreasonable delay if we confirm a security breach affecting your Customer Data, as required by law.

8. Acceptable use

You will not: (a) use the Service for unlawful, fraudulent, or deceptive purposes, including keeping false books or records; (b) upload malicious code or attempt to break the Service's security; (c) access another customer's data; (d) resell or provide the Service to third parties except to your own Users or, if you are a bookkeeper or accountant, to the clients whose books you keep; (e) copy, reverse engineer, or build a competing product from the Service, except as allowed by law; or (f) overload the Service, including beyond fair-use limits for AI features.

9. Suspension and termination

  1. We may suspend access immediately if needed to prevent harm, fraud, or a security incident, or if you materially breach these Terms. Where possible, we will tell you why and keep your books available to export.
  2. Either party may terminate for the other's material breach that is not cured within 30 days after written notice.
  3. Sections that by their nature should survive termination (including fees owed, data export, disclaimers, limitation of liability, indemnification, and governing law) survive.

10. Intellectual property

We and our licensors own the Service, including its software, design, documentation, and trademarks. These Terms give you a limited, non-exclusive, non-transferable right to use the Service during your subscription. If you send us feedback, we may use it without obligation to you.

11. Disclaimers

EXCEPT AS EXPRESSLY STATED IN THESE TERMS, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ACCURACY. WE DO NOT WARRANT THAT REPORTS, CATEGORIES, AI SUGGESTIONS, OR DATA FROM CONNECTED SERVICES ARE ACCURATE OR COMPLETE, OR THAT THEY ARE SUITABLE FOR ANY TAX, LENDING, OR REGULATORY PURPOSE.

12. Limitation of liability

  1. TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, OR DATA, EVEN IF ADVISED OF THEIR POSSIBILITY.
  2. WE ARE NOT LIABLE FOR TAXES, PENALTIES, INTEREST, OR FEES IMPOSED ON YOU; FOR DECISIONS MADE BY YOU OR OTHERS BASED ON YOUR BOOKS OR REPORTS; FOR ERRORS IN DATA YOU OR CONNECTED SERVICES PROVIDE; OR FOR THE ACTS OR OMISSIONS OF THIRD-PARTY SERVICES, INCLUDING PAYROLL PROVIDERS AND BANKS.
  3. TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE OR THESE TERMS IS LIMITED TO THE FEES YOU PAID US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.
  4. These limits do not apply to your payment obligations or to either party's liability that cannot be limited by law.

13. Indemnification

You will defend, indemnify, and hold harmless YarehIQ, CollectIQ Technologies LLC, and their owners, officers, employees, and agents from third-party claims, losses, and expenses (including reasonable attorneys' fees) arising from: (a) your books, records, reports, and filings, and anyone's reliance on them; (b) Customer Data, including your lack of authority to keep books for a company; (c) your use of Third-Party Services; or (d) your breach of these Terms or violation of law.

14. Changes to these Terms

We may update these Terms. For material changes, we will notify you by email or in the Service at least 30 days before they take effect. Continuing to use the Service after the effective date means you accept the updated Terms. If you do not agree, you may cancel before the change takes effect.

15. Governing law and disputes

  1. These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules.
  2. Before filing any claim, each party will try in good faith to resolve the dispute by written notice and discussion for at least 30 days.
  3. [ATTORNEY TO CHOOSE: (a) binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in Miami-Dade County, Florida, with a class-action waiver; or (b) exclusive jurisdiction of the state and federal courts located in Miami-Dade County, Florida.]

16. General

  1. Entire agreement. These Terms, the Privacy Policy, and your plan selection are the entire agreement between us about the Service.
  2. Assignment. You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets, or to an affiliate.
  3. Force majeure. Neither party is liable for delays caused by events beyond its reasonable control.
  4. Severability and waiver. If any part is unenforceable, the rest remains in effect. Failing to enforce a provision is not a waiver.
  5. Electronic notices. We may send notices by email to your account contact or in the Service. You may send notices to [legal contact email].
  6. Independent parties. No partnership, joint venture, agency, fiduciary, or employment relationship is created.

17. Contact

[YarehIQ legal entity], a subsidiary of CollectIQ Technologies LLC
Miami, Florida
[legal contact email]