Terms of Service
Effective and last updated: July 16, 2026.
1. Agreement and authority
These Terms are an agreement between you and Fluent Terrain LLC, operator of GlacialBooks within the FinArctic product family. 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.
2. The Service
GlacialBooks provides full-service bookkeeping workflows, including financial data ingestion, transaction categorization, reconciliations, accounts receivable and payable workflows, journal entries, reporting, job costing, anomaly review, transaction lineage, and month-end close. Availability depends on your plan, configuration, connected providers, data quality, and organization permissions.
3. Autonomous actions and Arko
You authorize GlacialBooks and its Arko agents to inspect information available within your organization, follow transaction and document trails, make recommendations, and perform bookkeeping updates requested by authorized users or enabled by the Service's operating controls. Automated actions remain scoped to organization roles and are recorded in audit or run history. The Service may pause or route uncertain, incomplete, anomalous, or high-risk work for review. You can correct posted accounting treatment through supported reversing or adjusting workflows.
4. Not legal, tax, audit, investment, or fiduciary advice
Unless a separate signed agreement expressly says otherwise, Fluent Terrain LLC is not your CPA firm, public accounting firm, tax return preparer, auditor, attorney, investment adviser, payroll provider, or fiduciary. Reports and bookkeeping outputs are based on the data and instructions available to the Service. You remain responsible for business decisions, filings, payments, representations to third parties, and review by qualified professionals where appropriate.
5. Accounts and authorized users
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. Notify [email protected] promptly of suspected unauthorized use.
6. Customer data and connected accounts
You retain ownership of Customer Data. You grant us a limited license to host, process, transmit, organize, and create bookkeeping outputs from Customer Data to provide, secure, support, and improve the Service and meet legal obligations. You represent that you have the rights and permissions needed to provide the data and connect each financial or third-party account. Disconnecting a provider stops future synchronization but does not remove accounting evidence already incorporated into the ledger.
7. Customer responsibilities
You are responsible for complete and timely source data, accurate account mappings and business context, resolving requests for missing information, reviewing exceptions and close blockers, maintaining required source records, and exporting information you need before termination. You must not instruct the Service to create false records, conceal transactions, evade taxes or sanctions, violate law, or exceed your authority.
8. Subscriptions, billing, and taxes
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 the amount that will be charged before enrollment. Unless you cancel before the trial ends, the selected monthly or annual paid 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 current paid period. Fees are nonrefundable except where law requires, for confirmed duplicate charges, 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.
9. Third-party services
Identity, banking, payment, cloud, and other connected services are operated by independent providers under their own terms. We are not responsible for a provider's systems, data availability, eligibility decisions, interruptions, or changes. We may disable or replace an integration when required for security, compliance, provider approval, or reliable operation.
10. Acceptable use
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; or use the Service unlawfully. Reasonable API and product limits, including rate limits, protect customers and platform availability. We may investigate and suspend harmful activity.
11. Confidentiality and security
Each party will protect the other's nonpublic information with reasonable care and use it only for this agreement. We maintain technical and organizational safeguards described in our security policies, but no internet service is completely secure. You are responsible for secure endpoint devices, authorized-user conduct, and promptly reporting incidents.
12. Intellectual property and feedback
Fluent Terrain LLC and its licensors own 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 us a perpetual, worldwide right to use it without identifying you or disclosing Customer Data.
13. Suspension, termination, export, and retention
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 described in the Data Retention and Deletion Policy. Export needed data before access ends.
14. Disclaimers
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, and noninfringement. We do not warrant that every source is complete, every automated result is error-free, every integration remains available, or the Service will prevent every loss, penalty, audit issue, fraud event, or missed deadline.
15. Limitation of liability
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, or data. Fluent Terrain LLC's aggregate liability arising from the Service will not exceed the fees paid or payable for the Service during the 12 months before the event giving rise to the claim. These limits do not apply where applicable law prohibits them.
16. Governing law
These Terms are governed by Delaware law, excluding conflict-of-law rules. State and federal courts with jurisdiction in Delaware have exclusive venue, except either party may seek injunctive relief in another court with jurisdiction. Consumer rights that cannot be waived remain in effect.
17. Changes and general terms
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 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.
18. Contact
Questions about these Terms may be sent to [email protected]. The Privacy Policy and Data Retention and Deletion Policy are incorporated where referenced.