Last updated: April 2026
By creating an account or using CFO Pal at cfopal.co.uk, you agree to these terms. If you do not agree, do not use the service. “You” means the individual or business entity creating the account. “We” means CFO Pal.
CFO Pal is a financial analysis and reporting platform that connects to your accounting software (Xero, QuickBooks, or Sage) to provide financial reports, cashflow forecasts, budget tracking, AI-generated insights, and proactive alerts. The service is designed for UK-based small and medium businesses.
CFO Pal is an advisory and analysis tool. It is not a substitute for professional accounting, tax, or financial advice. The insights, forecasts, and recommendations provided by CFO Pal are generated by artificial intelligence based on your accounting data and should be treated as indicative, not definitive. Always consult a qualified accountant or financial adviser before making significant financial decisions based on information from CFO Pal.
You are responsible for maintaining the security of your account credentials and for all activity that occurs under your account. You must provide accurate information when registering. You must be at least 18 years old and have the legal authority to enter into these terms on behalf of your business.
CFO Pal offers a 14-day free trial. No payment card is required to start the trial. After the trial period, continued access requires an active paid subscription. Subscriptions are billed monthly via Stripe. You can cancel at any time from your account settings. cancellation takes effect at the end of the current billing period. No refunds are provided for partial months.
We reserve the right to change pricing with 30 days’ notice. Price changes will not affect your current billing period.
Your use of CFO Pal is also governed by our Privacy Policy. By using the service, you consent to the collection and use of data as described in that policy.
When you connect your accounting software, you grant us read-only access to retrieve financial data. We cannot and do not modify any data in your accounting software. You can disconnect your accounting software at any time from the Data page in your dashboard.
CFO Pal processes data retrieved from your accounting software. The accuracy of reports, forecasts, and insights depends on the accuracy and completeness of the data in your accounting system. We are not responsible for errors or omissions in your source data. Bank balances may be delayed by up to 24 hours due to bank feed sync timing.
You agree not to: reverse engineer or attempt to extract the source code of CFO Pal, use the service for any unlawful purpose, share your account credentials with third parties outside your organisation, attempt to access another user’s data, or use automated tools to scrape or extract data from the service.
CFO Pal, including its design, code, AI models, and content, is the intellectual property of CFO Pal. Your financial data remains yours. we claim no ownership over it. You grant us a limited licence to process your data solely for the purpose of providing the service.
To the maximum extent permitted by law, CFO Pal shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, arising from your use of the service. Our total liability for any claim related to the service shall not exceed the amount you paid us in the 12 months preceding the claim.
CFO Pal is provided “as is” without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
You may cancel your account at any time. We may suspend or terminate your account if you breach these terms, fail to pay subscription fees after the grace period, or use the service in a way that could harm other users or the platform.
On termination, your data is retained for 30 days to allow for reactivation, after which it is permanently deleted unless you request earlier deletion.
We may update these terms from time to time. If we make material changes, we will notify you by email at least 14 days before the changes take effect. Continued use of the service after the effective date constitutes acceptance of the updated terms.
These terms are governed by the laws of England and Wales. Any disputes arising from these terms or your use of CFO Pal shall be subject to the exclusive jurisdiction of the courts of England and Wales.
For any questions about these terms, contact us at hello@cfopal.co.uk.