Terms of Service — CFO Pal

1. Definitions

Account Holder: The individual who registers for CFO Pal and manages the subscription on behalf of a business.
CFO Pal, We, Us: The CFO Pal platform, operated by Mo Romanowicz.
Team Member / Invited User: Any person invited by the Account Holder to access the platform under a Read Only or Admin role.
Services: All features, reports, insights, alerts, and tools provided through the CFO Pal platform.
Site: The internet site at www.cfopal.co.uk and any associated subdomains.
You, Your: All users of the Site and Services, including Account Holders and Invited Users.

2. About CFO Pal

CFO Pal is operated by Mo Romanowicz (“we”, “us”, “our”). CFO Pal is an AI-powered financial insights platform designed for UK sole traders and small to medium-sized enterprises. Our registered contact email is hello@cfopal.co.uk.

3. Acceptance of Terms

By creating an account or using CFO Pal, you agree to be bound by these Terms of Service. If you do not agree, you must not use the platform. We may update these terms from time to time, and continued use after changes constitutes acceptance.

4. Eligibility

CFO Pal is available to UK-based businesses and individuals aged 18 or over. By registering, you confirm that you are authorised to act on behalf of the business you are connecting to the platform.

5. Account Responsibilities

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. A login may only be used by one individual — shared logins are not permitted. You must notify us immediately at hello@cfopal.co.uk if you become aware of any unauthorised use.

6. Team Access and Invited Users

The Account Holder may invite additional users (“Team Members”) to access the platform. Team Members are assigned a role — either Read Only or Admin — which determines their level of access. The Account Holder is responsible for managing team member access and ensuring appropriate permissions are assigned. Team Members may be removed at any time by the Account Holder or any Admin user.

Team Members access the Account Holder’s financial data. The Account Holder is responsible for ensuring that inviting a Team Member complies with any relevant confidentiality or data protection obligations the Account Holder has with their clients, employees, or partners.

7. Service Description

CFO Pal provides AI-generated financial insights, reports, cashflow forecasting, budget tracking, and proactive alerts based on data you provide or that is synced from connected accounting platforms (Xero, QuickBooks, Sage). The service is an advisory tool and does not constitute professional accounting, tax, or financial advice.

8. Important Disclaimer

CFO Pal is not a substitute for professional accounting or financial advice. All reports, forecasts, and insights generated by the platform are based on the data available and should be reviewed by a qualified accountant before making significant financial decisions. We do not guarantee the accuracy or completeness of any AI-generated output.

9. Third-Party Integrations

When you connect an accounting platform (Xero, QuickBooks, or Sage), you authorise CFO Pal to access your financial data via their APIs. We only access the data necessary to provide our services. You can disconnect any integration at any time from your Data & Connections page. Your relationship with these third-party providers is governed by their own terms of service.

10. Subscription and Payment

CFO Pal offers a 14-day free trial. After the trial period, continued access requires an active subscription. Payments are processed securely by Stripe. Subscriptions renew automatically and can be cancelled at any time from your account settings. Cancellation takes effect at the end of the current billing period.

11. Data Retention

If you cancel your subscription, your data will be retained for 30 days before being permanently deleted. You may request earlier deletion by contacting hello@cfopal.co.uk. During the retention period, your data is not accessible through the platform.

12. Acceptable Use

You agree not to use CFO Pal to: upload fraudulent or misleading financial data; attempt to access other users' data; reverse-engineer or copy any part of the platform; use the service for any unlawful purpose; or resell access to the platform without written permission.

13. Intellectual Property

All content, design, and technology within CFO Pal remains our intellectual property. You retain ownership of all financial data you upload or sync to the platform.

14. Limitation of Liability

To the maximum extent permitted by law, CFO Pal shall not be liable for any indirect, incidental, or consequential damages arising from your use of the platform, including but not limited to financial losses resulting from reliance on AI-generated insights. Our total liability shall not exceed the amount you have paid in subscription fees in the 12 months preceding the claim.

15. Termination

We reserve the right to suspend or terminate your account if you breach these terms. You may close your account at any time by contacting hello@cfopal.co.uk or cancelling your subscription through the platform.

16. Governing Law

These terms are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

17. Contact

For any questions about these terms, please contact us at hello@cfopal.co.uk.