Financial OS — Terms of Service

Last Updated: April 2, 2026

BY ACCESSING OR USING THE FINANCIAL OS PLATFORM ("PLATFORM"), YOU AGREE TO BE BOUND BY THESE TERMS OF SERVICE ("TERMS"). IF YOU DO NOT AGREE, DO NOT USE THE PLATFORM.

1. Overview

Financial OS is a cloud-based financial dashboard and advisory platform operated by Brad Phillipi ("we," "us," or "our"). The Platform provides fractional CFO clients ("Customers") with real-time financial reporting, analytics, AI-powered advisory tools, and integrations with third-party accounting systems including QuickBooks Online.

2. Eligibility

The Platform is intended for use by business owners, executives, and their authorized team members. By using the Platform, you represent that you are at least 18 years of age and have the authority to bind the entity on whose behalf you are accessing the Platform.

3. Account and Access

Access to the Platform is granted as part of a fractional CFO engagement with Brad Phillipi. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use.

4. Third-Party Integrations

The Platform connects to third-party services, including but not limited to Intuit QuickBooks Online, to retrieve and display your financial data. By authorizing these connections, you grant us permission to access, retrieve, and process your financial data from those services solely for the purpose of providing the Platform's functionality.

We are not responsible for the availability, accuracy, or security of third-party services. Your use of those services is governed by their respective terms and privacy policies.

5. AI-Powered Advisory Tools

The Platform includes AI-powered features, including the "Ask the CFO" chat function, that generate responses based on your financial data. These tools are intended to provide informational guidance and support decision-making. They do not constitute legal, tax, or certified financial advice. You should consult qualified professionals before making significant financial decisions based on AI-generated output.

6. Data Ownership

You retain full ownership of your financial data. We do not sell, share, or distribute your data to third parties for marketing or advertising purposes. We access and process your data solely to deliver the Platform's services.

7. Pricing and Payment

Access to the Platform is included as part of your fractional CFO engagement. Pricing for CFO services is determined on a per-engagement basis and communicated separately. We reserve the right to modify pricing with 30 days' written notice.

8. Cancellation and Termination

Either party may terminate access to the Platform at any time by providing written notice. Upon termination, your access will be revoked and your data will be retained for 90 days to allow for export, after which it will be permanently deleted unless otherwise required by law.

9. Acceptable Use

You agree not to:

Use the Platform for any unlawful purpose
Attempt to gain unauthorized access to any part of the Platform or its systems
Reverse-engineer, decompile, or disassemble any part of the Platform
Share access credentials with unauthorized individuals
Use the Platform to process data for entities not covered by your engagement

10. Intellectual Property

The Platform, including its design, code, features, and branding, is the property of Brad Phillipi and is protected by applicable intellectual property laws. Nothing in these Terms grants you ownership of or a license to the Platform beyond the right to use it during your active engagement.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITY, ARISING FROM YOUR USE OF THE PLATFORM. OUR TOTAL LIABILITY SHALL NOT EXCEED THE FEES PAID BY YOU IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

12. Disclaimer of Warranties

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.

13. Indemnification

You agree to indemnify and hold harmless Brad Phillipi from any claims, damages, or expenses arising from your use of the Platform, your violation of these Terms, or your violation of any applicable law.

14. Governing Law

These Terms are governed by the laws of the State of California without regard to conflict of law principles. Any disputes shall be resolved in the state or federal courts located in Los Angeles County, California.

15. Changes to These Terms

We may update these Terms at any time. Material changes will be communicated via email or through the Platform. Continued use after changes are posted constitutes acceptance of the updated Terms.

16. Contact

For questions about these Terms, contact us at brad@handldhome.com.