Terms of Service
Version 1.0 — Effective May 7, 2026
1. Acceptance of Terms
By accessing or using the Quipu or B1ND platform (the "Service") operated by B1ND Systems, Inc. ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.
2. Description of Services
The Service is a cloud-based financial operations platform that includes double-entry accounting, bank-feed reconciliation, accounts receivable and payable, payment processing, and related capabilities. Features may vary by subscription tier and may be modified at any time with reasonable notice.
3. Account Registration
To use the Service, you must create an account and provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. You must be at least 18 years old and have the legal authority to enter into these Terms on behalf of yourself or the organization you represent.
4. Subscription and Access Term
The Service is sold as a one-time payment that grants 24 months of access from the date of purchase. Pricing is published on the pricing page and confirmed at checkout. All payments are non-refundable except as required by applicable law or as specified in a separate written agreement.
5. Pay-It-Forward Sponsorships
Sponsorship payments through the Pay-It-Forward program are voluntary contributions to fund a 24-month seat for a recipient selected by Company. Company is not a 501(c)(3) organization and Pay-It-Forward payments are not tax-deductible. Receipts will reflect a non-deductible gift.
6. Renewal and Data Portability
Sixty days before access expires, we will email you a renewal offer at the same price you paid. If you do not renew, your account becomes read-only and exportable for an additional twelve months, after which it may be deleted in accordance with our retention policies.
7. Use of AI Features
The Service may use artificial intelligence to suggest categorizations, generate summaries, or assist with reconciliation. AI suggestions are advisory only and do not replace professional judgment. You remain responsible for reviewing and approving any output before it affects your books or financial reporting. Customer- facing AI features are powered by Anthropic.
8. Privacy
Your use of the Service is governed by our Privacy Policy, which is incorporated into these Terms by reference.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, COMPANY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE. COMPANY'S TOTAL LIABILITY FOR ALL CLAIMS ARISING UNDER THESE TERMS SHALL NOT EXCEED THE AMOUNT YOU PAID TO COMPANY IN THE TWELVE MONTHS PRECEDING THE CLAIM.
10. Dispute Resolution
Any dispute arising under these Terms shall be resolved through binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, taking place in Wilmington, Delaware. YOU AGREE TO WAIVE YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS-ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.
11. Termination
You may close your account at any time through platform settings. Company may suspend or terminate your access for violation of these Terms, non-payment, or if required by law. Upon termination, your right to use the Service ceases. Company will make your data available for export for 30 days following termination.
12. Changes to Terms
We may update these Terms from time to time. Material changes will be communicated via email or a prominent notice on the Service at least 30 days before they take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.
13. Contact
Questions about these Terms can be sent to legal@b1ndsystems.com.
B1ND Systems, Inc.
Wilmington, Delaware