Terms of Service

These Terms are an agreement between you and FinArctic LLC, operator of GlacialBooks under license from Fluent Terrain LLC. By accepting them or using the Service, you confirm that you are at least 18, can enter a binding agreement, and have authority to act for the organization whose data you manage. If you do not agree, do not use the Service.

GlacialBooks provides bookkeeping workflows that can ingest financial data, categorize and reconcile transactions, manage receivables and payables, create journal entries, allocate costs, prepare financial reports, identify anomalies, preserve transaction lineage, and run month-end close. Features depend on the selected plan, configuration, connected providers, source-data quality, and organization permissions.

Arko is software, not a person, licensed CPA, tax professional, attorney, or fiduciary. You authorize GlacialBooks and its Arko agents to inspect data available to your organization, follow transaction and document trails, make recommendations, and perform bookkeeping actions requested by authorized users or enabled within the Service's documented operating controls. Automated actions are limited by roles, confidence rules, period state, and approval controls, and material actions are recorded in audit or run history. The Service may pause uncertain, incomplete, anomalous, irreversible, or high-risk work for review. Posted entries are corrected through supported reversing or adjusting workflows rather than deletion or silent historical edits.

The Service is designed to support double-entry bookkeeping and financial reporting policies that may be configured for U.S. generally accepted accounting principles. GAAP treatment depends on facts, elections, estimates, materiality, entity type, industry guidance, and professional judgment. GlacialBooks does not certify that your books or reports comply with GAAP, tax accounting rules, grant requirements, lender covenants, or another framework. You are responsible for selecting and consistently applying the accounting policies appropriate for your organization and for obtaining professional review when needed.

Unless a separate signed agreement expressly says otherwise, FinArctic LLC is not your CPA firm, public accounting firm, tax return preparer, auditor, attorney, investment adviser, payroll provider, lender, or fiduciary. The Service does not perform an audit, review, compilation, tax filing, legal opinion, or assurance engagement. Bookkeeping output, alerts, explanations, and forecasts are informational tools and are not legal, tax, investment, credit, or accounting advice from a licensed professional.

Automated classifications, matches, calculations, document extractions, generated explanations, forecasts, and close actions can be incomplete, duplicated, delayed, misclassified, or wrong. A generated response may confidently state incorrect information. You must review exceptions, material estimates, filing inputs, tax positions, payment instructions, deadlines, and reports used outside your organization. You remain responsible for tax returns and elections, remittances, payroll and sales-tax obligations, financial statements, certifications, representations to third parties, and penalties or interest caused by incorrect or late information, except to the extent a separate signed service agreement expressly assigns a task to FinArctic LLC.

You must provide accurate information, maintain secure identity credentials, use available account-security controls, assign only necessary roles, and promptly remove access that is no longer needed. Organization owners and administrators control membership and may access organization data. Accountant access must be granted to a specific person using an individual account. Notify [email protected] promptly of suspected unauthorized use.

You retain ownership of Customer Data. You grant us a limited right to host, process, transmit, organize, and create bookkeeping output from Customer Data to provide, secure, support, and improve the Service and meet legal obligations. This right does not permit us to train a general-purpose or foundation model on your financial ledger or documents. You represent that you have the rights, notices, consents, and lawful basis needed to provide the data, invite users, connect accounts, and issue instructions. You must not instruct the Service to create false records, conceal transactions, evade taxes or sanctions, violate law, or exceed your authority.

The Data Processing Addendum applies when FinArctic LLC processes personal data on your organization's behalf and is incorporated into these Terms. The Privacy Policy governs data for which FinArctic LLC acts as controller or business. The public Subprocessor List identifies providers and affiliates that may process Customer Data. If a signed order or enterprise agreement conflicts with the Data Processing Addendum, the document that provides greater protection for personal data controls unless applicable law requires otherwise.

Plaid, Stripe, Clerk, Intuit QuickBooks, financial institutions, and other connected services are independent providers governed by their own terms and privacy practices. You authorize us and the provider to exchange the data needed for the connection you select. We do not receive bank-login credentials entered in Plaid Link and do not store full card details entered in Stripe Checkout. Provider data can be delayed, corrected, unavailable, or subject to separate limits. Disconnecting a provider stops future synchronization but does not remove source evidence already incorporated into the ledger. You may not use an API or integration to bypass security, access another organization, overload the Service, or violate provider terms.

You are responsible for complete and timely source data, accurate opening balances and account mappings, business context that cannot be inferred from a transaction, resolution of missing-information requests, review of close blockers, retention of source records required by law, and export of information needed before termination. You must reconcile external statements and review material reports before relying on them for filings, financing, distributions, owner compensation, or other consequential decisions.

An eligible organization may use one 14-day trial of its first paid plan. GlacialBooks support may extend an active trial to no more than 30 total days when additional evaluation time is needed. Stripe collects a payment method and displays the trial end date and amount that will be charged before enrollment. Unless you cancel before the trial ends, the selected monthly or annual subscription begins automatically and renews until canceled. Cancellation during the trial prevents the first charge. Cancellation after billing begins takes effect at the end of the paid period. Fees are nonrefundable except where law requires, for a confirmed duplicate charge, or for a confirmed billing error. We provide at least 30 days' notice before a price increase applies to an active subscription. You are responsible for applicable taxes other than taxes on our net income.

You may not access another organization without authorization; probe or bypass security; scrape, overload, reverse engineer, resell, or misuse the Service; upload malware; infringe rights; create deceptive financial records; use the Service for unlawful discrimination or eligibility decisions; or use the Service unlawfully. Reasonable product and API rate limits protect customers and platform availability. We may investigate, restrict, or suspend harmful activity.

Each party will protect the other's nonpublic information with reasonable care and use it only for this agreement. We maintain the safeguards described in our public security policies and Data Processing Addendum, but no internet service is completely secure. You are responsible for endpoint security, authorized-user conduct, access reviews, and prompt incident reporting. A security incident does not by itself establish that either party breached these Terms.

Fluent Terrain LLC owns the GlacialBooks brand and core product intellectual property and licenses them to FinArctic LLC. FinArctic LLC, Fluent Terrain LLC, and their licensors retain their respective rights in the Service, software, designs, documentation, and non-customer operational methods. No rights are granted except the limited right to use the Service during the subscription. If you provide feedback, you grant FinArctic LLC and its licensor a perpetual, worldwide right to use it without identifying you or disclosing Customer Data.

You may stop using or cancel the Service at any time. We may suspend access for nonpayment, material breach, security risk, unlawful activity, or provider requirements and will give notice when practicable. Personal account deletion follows a 30-day grace period. Accounting records, audit evidence, backups, legal holds, and suppression records may remain for the periods in the Data Retention and Deletion Policy. Export needed data before access ends.

To the maximum extent permitted by law, the Service is provided 'as is' and 'as available.' We disclaim implied warranties of merchantability, fitness for a particular purpose, title, noninfringement, and any warranty arising from course of dealing or usage of trade. We do not warrant uninterrupted availability, continued provider support, complete source data, error-free algorithms or output, successful tax or audit outcomes, or prevention of every loss, penalty, fraud event, misstatement, or missed deadline. No confidence score or automated completion state is a guarantee of correctness.

To the maximum extent permitted by law, neither party is liable for indirect, incidental, special, exemplary, punitive, or consequential damages, or lost profits, revenues, goodwill, business opportunity, or data, even if advised of the possibility. FinArctic LLC's aggregate liability arising from the Service will not exceed the greater of 100 U.S. dollars or the fees paid or payable for the Service during the 12 months before the event giving rise to the claim. These limits apply to claims involving automated classifications, calculations, reports, filings, integrations, and provider failures, but do not apply where applicable law prohibits the limitation.

To the extent permitted by law, you will defend and indemnify FinArctic LLC, Fluent Terrain LLC as licensor, and their personnel from third-party claims arising from Customer Data you did not have authority to provide, unlawful or fraudulent instructions, your violation of these Terms or provider terms, or your use of Service output in a filing or representation without required review. We will provide prompt notice and reasonable cooperation, and you may not settle a claim in a way that admits fault by or imposes obligations on us without written consent.

These Terms are governed by Georgia law, excluding conflict-of-law rules. State and federal courts with jurisdiction in Fulton County, Georgia have exclusive venue, except either party may seek injunctive relief in another court with jurisdiction. Before filing a claim, a party must send written notice describing the dispute and allow 30 days for good-faith resolution, unless immediate relief is needed to protect data, security, intellectual property, or a limitations period. Consumer and privacy rights that cannot be waived remain in effect.

Material changes are announced by email or in the Service at least 15 days before taking effect unless an immediate change is required for security, law, or provider compliance. We will not silently expand use of Customer Data for general-purpose AI training. We may require renewed acceptance. Neither party may assign this agreement without consent, except in a merger, acquisition, or sale of substantially all relevant assets. If a provision is unenforceable, the remainder stays effective. Failure to enforce a provision is not a waiver. These Terms, incorporated policies, and any signed order form are the agreement about the Service.

Questions may be sent to [email protected]. The Privacy Policy, Data Processing Addendum, Subprocessor List, AI Transparency and Risk Management Notice, Accounting and Autonomous Bookkeeping Disclosure, and Data Retention and Deletion Policy are incorporated where referenced.