Last updated: May 2, 2026
By accessing or using Balances (the "Service"), you accept and agree to be bound by these Terms of Service (the "Terms"). These Terms constitute a legally binding agreement between you and Balances, Inc., a Delaware corporation ("Company", "we", "us", or "our"). If you do not agree to these Terms, do not use the Service.
If you are using the Service on behalf of a business or other legal entity, you represent that you have the authority to bind that entity to these Terms, and "you" refers to that entity.
Balances is an accounting and bookkeeping platform for small businesses, bookkeepers, and accounting firms. The Service includes a general ledger, bank and credit card connectivity (via third-party providers), AI-assisted transaction categorization, invoicing, reimbursement tracking, financial reporting, and a conversational assistant for working with your accounting data. The Service evolves over time and features may be added, modified, or removed.
To use the Service, you must create an account and provide accurate, current, and complete information. You are responsible for safeguarding your account credentials and for all activity that occurs under your account. You must notify us promptly of any unauthorized access or use.
You must be at least 18 years old, or the age of legal majority in your jurisdiction, to use the Service.
You retain all right, title, and interest in and to any data, content, or information you submit to or generate within the Service ("Customer Data"), including financial transactions, accounting records, invoices, and any documents you upload.
You grant Balances, Inc. a non-exclusive, worldwide, royalty-free license to access, store, process, transmit, and display Customer Data solely to (a) provide, maintain, and improve the Service, (b) prevent or address technical or security issues, (c) comply with legal obligations, and (d) as otherwise authorized by you.
You can export your Customer Data at any time using the export tools provided in the Service. Upon termination of your account, you may export your Customer Data for a period of thirty (30) days, after which we may delete it from active systems in the ordinary course.
You agree not to:
Use the Service for any unlawful purpose or in violation of any applicable law or regulation
Upload or transmit any content that is fraudulent, defamatory, or infringes the rights of others
Attempt to gain unauthorized access to the Service, other accounts, or any related systems
Reverse engineer, decompile, or attempt to extract the source code of the Service, except to the extent permitted by law
Use the Service to build a competing product, or to scrape or harvest data from the Service
Interfere with or disrupt the integrity or performance of the Service
Use the Service to process data on behalf of third parties unless you are using the Service in a bookkeeping, accounting, or advisory capacity for those parties
Some features of the Service are offered on a subscription basis. By subscribing to a paid plan, you agree to pay the applicable fees in accordance with the pricing and billing terms presented at the time of purchase.
Subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date. Fees are non-refundable except as required by law or as expressly stated in these Terms. We may change our pricing on prospective notice; any price changes will not affect your current billing period.
We may offer free plans, trials, or promotional pricing (including offers extended to users of other accounting platforms). Free or promotional access may be modified or discontinued at our discretion, with reasonable notice where practicable. Promotional offers are subject to any additional terms stated at the time of the offer.
The Service includes features powered by artificial intelligence, including large language models. These features may suggest transaction categorizations, generate text, summarize data, or take other automated actions within your account.
AI-generated outputs may contain errors, omissions, or inaccuracies. You are solely responsible for reviewing all AI-generated outputs before relying on them for tax, accounting, financial, legal, or other decisions. We do not warrant the accuracy, completeness, or fitness for any particular purpose of any AI-generated output.
You should not treat outputs of the Service, including outputs of any conversational assistant, as professional tax, accounting, legal, or financial advice.
The Service integrates with third-party services, including bank data providers (such as Plaid) and AI model providers (such as Anthropic). Your use of those third-party services is subject to their own terms and privacy policies. We are not responsible for the acts or omissions of third-party providers, but we will use commercially reasonable efforts to vet our sub-processors and to maintain appropriate contractual safeguards with them.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.
WE MAKE NO WARRANTY THAT THE SERVICE OR ANY OUTPUT GENERATED BY THE SERVICE (INCLUDING AI-GENERATED CATEGORIZATIONS, REPORTS, OR SUGGESTIONS) WILL BE ACCURATE, COMPLETE, OR SUITABLE FOR YOUR TAX, ACCOUNTING, OR FINANCIAL PURPOSES. YOU ARE RESPONSIBLE FOR REVIEWING AND VERIFYING ALL OUTPUTS BEFORE RELYING ON THEM.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL BALANCES, INC., ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) ONE HUNDRED U.S. DOLLARS ($100) OR (B) THE AMOUNT YOU PAID TO US FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
You agree to indemnify and hold harmless Balances, Inc. and its affiliates, officers, directors, employees, and agents from and against any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of or relating to (a) your use of the Service, (b) your violation of these Terms, (c) your violation of any third-party right, including any intellectual property or privacy right, or (d) any Customer Data you submit to the Service.
You may terminate your account at any time by following the cancellation instructions in the Service or by contacting us. We may suspend or terminate your access to the Service at any time, with or without cause, and with or without notice, including for violation of these Terms.
Upon termination, your right to use the Service ceases immediately. Sections that by their nature should survive termination (including Customer Data, Disclaimer of Warranties, Limitation of Liability, Indemnification, and Governing Law) will survive.
We may modify these Terms from time to time. If we make material changes, we will provide reasonable notice (for example, by email to your account address or by posting a notice in the Service) before the changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the modified Terms.
These Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws principles. Any dispute arising out of or relating to these Terms or the Service shall be brought exclusively in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of those courts.
These Terms, together with the Privacy Policy and any other documents incorporated by reference, constitute the entire agreement between you and us regarding the Service. If any provision of these Terms is held to be unenforceable, the remaining provisions will remain in full effect. Our failure to enforce any provision is not a waiver of that provision. You may not assign these Terms without our prior written consent; we may assign them without restriction.
Questions about these Terms can be sent to: alex@balances.ai
Balances, Inc.
2261 Market St PMB 85770
San Francisco, CA 94114