Terms of Service

Effective October 9, 2026. Accountant Inc. · Portland, Oregon, U.S.A. · Privacy Policy · Security

1. This agreement

These Terms of Service (the “Terms”) are an agreement between you and Accountant Inc., an Oregon corporation (“Accountant Inc.,” “we,” “us”). They govern your use of KikoBooks, Accountant.World, Agent Kiko, the KikoBooks MCP server, our APIs, and the websites kikobooks.com, accountant.world and agentkiko.com (together, the “Services”).

If you accept these Terms for a company, accounting firm or other organization, you confirm that you have authority to bind it, and “you” means that organization and its authorized users. By creating an account, checking a box that refers to these Terms, or using the Services, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Services.

2. Who may use the Services

• United States only. The Services are offered only to businesses, accounting professionals and other organizations located in the United States, and are hosted in the United States. Do not use them to keep the records of a business that is not based in the U.S.
• Business use. The Services are for business and professional bookkeeping, accounting and practice-management use, not for personal, family or household finances.
• Age. You must be at least 18 years old.
• Sanctions. You may not use the Services if you are on a U.S. government restricted-party list or are acting for someone who is.

3. Accounts and security

Give us accurate account information and keep it current. Keep your password and API keys confidential, and don’t share a login between people. Each user needs their own account. Your organization’s administrators decide who has access and what each role may do, and they are responsible for removing access when someone leaves. Tell us promptly at info@accountant.world if you believe your account or an API key has been compromised. You are responsible for activity under your accounts and keys.

4. Your data

• You own your data. “Your Data” means the records, documents, contacts, transactions, messages, recordings and other content that you, your users or your connected services put into the Services. You keep all rights to it.
• Our permission to use it. You give us a limited permission to host, copy, process, transmit and display Your Data only to provide, secure, support and improve the Services for you, and as the law requires. Our Privacy Policy explains how we handle personal information.
• No sale, no model training. We do not sell Your Data. We do not use it to train AI foundation models, and our AI providers do not use it to train theirs.
• Usage information. We may use service-performance and usage information, and Your Data in aggregated, de-identified form that does not identify you or any person, to operate and improve the Services.
• Your responsibility. You are responsible for the accuracy of Your Data, for having the rights and consents needed to put it into the Services, and for keeping your own copies of records you are legally required to keep.
• Feedback. If you send us suggestions, we may use them without obligation to you. This does not give us any rights in Your Data.

5. Acceptable use

You may not, and may not let anyone else:

• use the Services in violation of any law, including tax, securities, consumer-protection, privacy, anti-money-laundering, telemarketing and anti-spam laws;
• access another organization’s data, or try to get around permissions, approval rules, spending limits or security controls;
• upload malware, or interfere with or overload the Services;
• copy, resell or sublicense the Services, or use them to build a competing product;
• reverse engineer the Services, except where the law expressly allows it;
• scrape the Services or automate them with bots, except through our published APIs and the official KikoBooks MCP server, using API keys you create in the product;
• use the Services to send deceptive, harassing or unsolicited communications, or to contact people who have asked not to be contacted.

Security research. If you find a vulnerability, report it as described on our Security page. We won’t pursue good-faith research that follows that page, avoids other people’s data and does not disrupt the Services. Load testing and denial-of-service testing are not permitted.

6. Kiko, the AI co-worker

• What Kiko does. Kiko and its specialist agents can draft, categorize, match, summarize and suggest, and, within the permissions and approval rules your organization sets, carry out actions in the Services on your behalf.
• Approvals. Each action Kiko proposes has a risk tier. Lower-risk work can run within the limits you set. Higher-risk actions wait for a person, or for a policy you configured, to approve them. You are responsible for the permissions, approval rules and budgets you set, and for actions you or your policies approve.
• AI makes mistakes. AI output can be incomplete or wrong. Review Kiko’s work before relying on it, especially for anything you file, pay, send or certify.
• Not professional advice. Kiko’s output is software assistance. It is not accounting, tax, legal, financial or investment advice. Accountant Inc. is not a CPA firm.
• AI providers. Kiko runs on Microsoft Azure AI services, including Azure OpenAI. Your Data is sent to those services only to produce results for you, and is not used to train their models.
• Usage costs. Some AI, voice and messaging features are metered against your organization’s prepaid wallet at the rates shown in the product. You can set budgets and limits there.

7. Email and calls Kiko makes for you

At your direction, Kiko can send email and place outbound phone calls to your customers, vendors, clients and team members. When you use these features:

• Your messages, your responsibility. You authorize us to send these communications in your name. You are responsible for their content and for having any consent the law requires before contacting someone. This includes the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act and state telemarketing laws. Do not use these features for unsolicited marketing.
• AI and recording disclosure. When Kiko calls your customers or vendors, it says it is an AI assistant calling for your business. Calls Kiko places are recorded by default, and Kiko says that the call is being recorded before anything else is said. Your organization can turn recording off in its communications settings. Some states require every party’s consent to record, and you are responsible for following the laws that apply to your calls.
• What is not offered. The Services do not currently send text messages (SMS) or answer inbound phone calls. We will update these Terms before offering either.
• Opt-outs. Honor every request to stop being contacted. Do not ask Kiko to contact someone who has opted out.
• Delivery. Email and phone delivery depends on third-party networks, so we cannot guarantee that a message or call is delivered. We may suspend communications features if we suspect abuse.

8. Accounting firms and their clients

Accountant.World lets accounting firms manage client work, and KikoBooks lets a business invite its accountant. Our role in these relationships:

• The firm and its client set the terms of their own engagement. Accountant Inc. is not a party to it and does not provide accounting, tax or audit services.
• A firm is responsible for having its clients’ authorization to access and work on their data, for the permissions it gives its staff, and for its own professional and legal obligations, including the FTC Safeguards Rule where it applies.
• A business that invites an accountant can remove that access at any time. Records already shared with, or exported by, the firm are governed by the business’s arrangement with the firm.

9. Connected services

You can connect services that other companies provide, such as bank and card accounts through Stripe Financial Connections, Stripe payments, Intuit QuickBooks, Gusto, BILL, Brex, Ramp, and online sales channels such as Amazon and Shopify. When you connect one:

• you authorize us to exchange data with it for you;
• the provider’s own terms and privacy policy apply to your use of it;
• we are not responsible for its availability, accuracy or acts;
• you can disconnect it at any time.

Accountant Inc. is not a bank, a money transmitter or a payroll provider. Payments and payroll that you start in the Services are carried out by the provider you connected.

10. Fees, trials and renewals

• Prices. Prices are shown on our websites and in the product. Payments are processed by Stripe.
• Trials. If you start a free trial, it ends on the date shown in the product. To keep using the app after that, subscribe.
• Automatic renewal. Paid subscriptions renew automatically at the end of each billing period, at the then-current price, until you cancel. To stop the next renewal, turn off Auto-Renew under Settings › App Subscriptions, or email us. You keep access until the end of the period you have paid for.
• Prepaid wallet. Wallet funds pay for metered usage at the rates shown in the product. Once usage has been consumed, the funds spent on it are non-refundable.
• Refunds. Fees are non-refundable, except where the law requires a refund or we agree otherwise in writing.
• Price changes. We will give you at least 30 days’ notice before a price increase applies to your subscription.
• Taxes. Fees do not include sales or similar taxes. We collect those taxes where the law requires.
• Late payment. If a payment fails and is not resolved, we may suspend paid features after notice to you.

11. Cancellation, suspension and your data afterward

• You may cancel at any time. Turn off auto-renew, or email us.
• We may suspend or end your access if you materially breach these Terms, if a payment is overdue, if your use creates a security or legal risk, or if the law requires it. Where practical, we will give notice and a chance to fix the problem first.
• Your data. While your account is active, you can export reports and lists from the product. Export what you need before you cancel. After your account ends, we may delete Your Data as described in our Privacy Policy.
• What continues. Sections 4 and 12 through 17 continue after this agreement ends, along with any amounts you owe.

12. Confidentiality

Each of us will protect the other’s non-public information with reasonable care. Each of us will use it only for purposes of this agreement, and will share it only with people and providers who need it and are bound to protect it. This duty does not cover information that:

• is public through no fault of the receiving party;
• the receiving party already lawfully had;
• the receiving party developed independently;
• must be disclosed by law. In that case, the disclosing party will give notice where the law allows.

13. Our property and trademarks

We and our licensors own the Services, including the software, designs, documentation and AI features, and all improvements to them. These Terms give you a limited, non-exclusive, non-transferable right to use the Services for your business while your subscription is active, and no other rights. “KikoBooks,” “Accountant.World,” “Agent Kiko,” “Kiko” and our logos are trademarks of Accountant Inc. Do not use them in a way that suggests we endorse or are affiliated with you without our written permission.

14. Disclaimers

We work to keep the Services accurate, secure and available, and we will fix material defects that you report. Otherwise, to the fullest extent the law permits, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES, AI OUTPUT OR DATA FROM CONNECTED SERVICES WILL BE ERROR-FREE OR UNINTERRUPTED. You are responsible for reviewing your books, filings, payments and communications.

15. Limitation of liability

TO THE FULLEST EXTENT THE LAW PERMITS, NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE OR DATA, EVEN IF ADVISED THAT THEY WERE POSSIBLE. EACH PARTY’S TOTAL LIABILITY UNDER THESE TERMS IS LIMITED TO THE AMOUNTS YOU PAID US FOR THE SERVICES IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. These limits do not apply to your payment obligations, a party’s indemnity obligations, or liability for gross negligence, willful misconduct or fraud.

16. Indemnity

We will defend you against any third-party claim that the Services, as we provide them, infringe a U.S. patent, copyright or trademark, or misappropriate a trade secret. We will also pay any resulting judgment or settlement that we approve. This does not cover claims caused by Your Data, by your modifications, or by combining the Services with things we did not provide.

You will defend us against third-party claims arising from:

• Your Data;
• communications sent at your direction;
• your violation of law or of these Terms.

The party seeking defense must notify the other promptly, let it control the defense, and reasonably cooperate.

17. Governing law, arbitration and class action waiver

Please read this section carefully. It affects how disputes are resolved.

• Governing law. Oregon law governs these Terms, without regard to its conflict-of-laws rules. The Federal Arbitration Act governs this section.
• Try to resolve it first. Before starting arbitration, the party with the claim must send a written description of it to the other: to us at info@accountant.world, or to you at your account email. Both parties then have 60 days to try to resolve it informally.
• Binding arbitration. Any dispute arising out of or relating to these Terms or the Services that is not resolved informally will be decided by binding arbitration, not in court. The American Arbitration Association (AAA) administers it under its Commercial Arbitration Rules, before a single arbitrator, in Portland, Oregon. The arbitrator may hold hearings by video or decide on written submissions. Judgment on the award may be entered in any court with jurisdiction.
• Exceptions. Either party may bring an individual claim in small-claims court if it qualifies. Either party may also ask a court for an injunction to stop infringement of its intellectual property, misuse of its confidential information, or unauthorized access to the Services.
• Class action waiver. Claims may be brought only individually, not as a plaintiff or class member in any class, collective, consolidated or representative proceeding. The arbitrator may not combine more than one party’s claims. If this waiver is found unenforceable for a particular claim, that claim will be decided by a court, not in arbitration.
• Jury trial waiver. To the extent the law allows, both parties waive any right to a jury trial.
• Fees. The AAA’s rules decide how filing and arbitrator fees are shared. Each party pays its own attorneys’ fees, unless the arbitrator awards them under applicable law.
• Opt-out. You may opt out of arbitration within 30 days after you first accept these Terms. To opt out, email info@accountant.world with the subject “Arbitration opt-out” and your name and organization. Opting out does not affect the rest of these Terms.
• Courts. Any matter that is not arbitrated must be brought in the state or federal courts located in Multnomah County, Oregon. Both parties consent to those courts’ jurisdiction.

18. Changes to these Terms

We may update these Terms as the Services or the law change. For material changes, we will notify you by email or in the product at least 30 days before they take effect. Changes required by law, and changes for new features, may take effect sooner. If you keep using the Services after a change takes effect, the updated Terms apply. If you do not agree, cancel before then.

19. General

These Terms, the Privacy Policy, and any order form or written addendum we sign with you are the entire agreement between us on this subject. If they conflict, the signed document controls. You may not assign these Terms without our consent. Either party may assign them in a merger, acquisition or sale of substantially all of its assets. If a provision is unenforceable, the rest remains in effect. Not enforcing a provision is not a waiver. Neither party is liable for delays caused by events beyond its reasonable control. You agree that we may send notices electronically to your account email or in the product.

20. Contact

Accountant Inc., Portland, Oregon, U.S.A. · info@accountant.world