Terms & Conditions

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Client," "you," or "your") and Ironbooks Financial Ltd. ("Ironbooks," "we," "our," or "us"), a company incorporated in the Province of Saskatchewan, Canada, with its principal place of business in Saskatoon, Saskatchewan.

These Terms govern your access to and use of the Ironbooks website (ironbooks.com), the Ironbooks software platform, dashboards, AI tools, and all related services (collectively, the "Services"). By accessing or using any part of the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

If you are entering into these Terms on behalf of a business or other legal entity, you represent that you have the authority to bind that entity to these Terms. If you do not agree with these Terms, do not access or use the Services.

These Terms are supplementary to and do not replace the Ironbooks Client Engagement Agreement ("LOE"). Where a conflict exists between these Terms and a signed LOE, the LOE governs with respect to the scope, delivery, and pricing of bookkeeping services.

Ironbooks provides professional bookkeeping and financial reporting services to businesses, including:

• Accrual or cash-basis bookkeeping
• Bank and credit card reconciliations
• Payroll synchronization with supported payroll providers
• Monthly financial reporting (Profit & Loss, Balance Sheet)
• AI-generated financial summaries and insights
• Access to the Ironbooks software platform, dashboards, and AI tools
• Optional weekly group coaching calls focused on profitability
• Email support and monthly action-focused video content

The specific scope of services, pricing, and service tier applicable to your engagement are defined in your signed Client Engagement Agreement.

To use the Services, you must be at least 18 years of age and have the legal capacity to enter into a binding agreement. If you are registering on behalf of a business entity, you must be authorized to do so.

When you create an account, you agree to:

• Provide accurate, current, and complete information during registration
• Keep your account credentials confidential and not share them with unauthorized individuals
• Notify Ironbooks immediately at [email protected] if you suspect unauthorized access to your account
• Accept responsibility for all activity that occurs under your account

Ironbooks reserves the right to suspend or terminate any account that we reasonably believe has been compromised or is being used in violation of these Terms.

To enable us to deliver accurate and timely services, you agree to:

• Provide Ironbooks with access to your accounting, payroll, and banking systems, third-party platforms, and personnel reasonably required to perform the Services
• Attend scheduled check-ins and respond to requests for clarification in a timely manner
• Notify Ironbooks of any material changes to your business at [email protected]
• Ensure that all information, data, and documentation you provide to us ("Client Data") is accurate and complete

The accuracy of your financial reports depends entirely on the information you provide. Ironbooks is entitled to rely on Client Data as provided and has no obligation to independently verify its accuracy or completeness. We are not responsible for errors in deliverables resulting from incomplete or inaccurate Client Data.

You represent and warrant that you have all rights, permissions, and authority necessary to provide Client Data to Ironbooks and to grant the licences described in these Terms, and that your Client Data is collected, used, and disclosed in compliance with all applicable laws, including privacy and data protection laws.

All clients are required to use the following platforms in connection with the Services:

• QuickBooks Online — accounting and bookkeeping platform
• Wagepoint or Gusto — payroll provider (where payroll services are supported; a separate agreement may apply)
• Ironbooks Software — dashboards, reporting, and financial analysis tools

You are responsible for maintaining your own subscriptions to third-party platforms and for complying with their respective terms of service. Ironbooks is not responsible for outages, errors, data loss, or privacy practices caused by third-party services.

All fees, payment terms, and billing schedules applicable to your engagement are set out in your signed Client Engagement Agreement. The following general terms also apply:

• Invoices are issued monthly and are due upon receipt.
• By signing a Client Engagement Agreement, you authorize Ironbooks to charge the payment method on file for recurring monthly fees, applicable first-month fees, and any mutually agreed add-on services.
• Late payments accrue interest at the lesser of 2% per month or the maximum rate permitted by applicable law.
• Services may be paused if an account is more than 30 days past due.
• All fees are billed in your country of currency.
• Fees paid are non-refundable.

You agree that you will not use the Services to:

• Violate any applicable federal, provincial, state, or local law or regulation
• Transmit any viruses, malware, or other harmful code
• Attempt to gain unauthorized access to any part of the Services, other accounts, or computer systems or networks connected to the Services
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Ironbooks software or AI tools
• Use the Services to develop a competing product or service
• Resell, sublicense, or provide access to the Services to any third party without our prior written consent
• Scrape, data mine, or use automated tools to extract data from the Services
• Upload, transmit, or share any content that is fraudulent, misleading, defamatory, or infringing on the rights of others
• Use the Services in any manner that could damage, disable, overburden, or impair the Services or interfere with any other party's use of the Services

Ironbooks reserves the right to investigate and take appropriate action against any violation of this Section, including suspension or termination of access and reporting to law enforcement authorities.

AI-generated outputs are provided as supplementary tools to support your understanding of your financial data and are subject to periodic human review. You remain responsible for reviewing your financial information and for all decisions made based on deliverables or AI-generated outputs.

Ironbooks' AI tools are for your internal business use only. You may not use AI-generated outputs to provide services to third parties, and you may not represent AI-generated outputs as professional financial, tax, or legal advice.

You agree to indemnify, defend, and hold harmless Ironbooks, its officers, directors, employees, contractors, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or relating to:

• Your use of the Services in violation of these Terms
• Your breach of any representation, warranty, or obligation under these Terms
• Client Data, including any claim that Client Data infringes or violates the rights of a third party or applicable law
• Your negligence, wilful misconduct, or illegal activity

Each party acknowledges that in connection with the Services it may receive or have access to information that is proprietary or confidential to the other party ("Confidential Information"). Confidential Information includes, without limitation, Client Data, Ironbooks IP, business strategies, pricing, financial information, and technical data.

Each party agrees to: (a) hold the other party's Confidential Information in strict confidence; (b) not disclose Confidential Information to any third party except as permitted under these Terms or with prior written consent; and (c) use Confidential Information only for the purpose of performing or receiving the Services.

Confidential Information does not include information that: (i) is or becomes publicly available through no fault of the receiving party; (ii) was already known to the receiving party without restriction prior to disclosure; (iii) is independently developed by the receiving party without reference to the disclosing party's Confidential Information; or (iv) is required to be disclosed by law, provided the receiving party gives reasonable notice to the disclosing party.

Your use of the Services is subject to our Privacy Policy, available at ironbooks.com/privacy. The Privacy Policy describes how we collect, use, disclose, and protect your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation. By using the Services, you consent to the practices described in the Privacy Policy.

Ironbooks reserves the right to modify these Terms at any time. When we make material changes, we will notify you by email or by posting a notice on our website. The "Effective Date" at the top of these Terms indicates when they were last revised.

Your continued use of the Services after any modification constitutes your acceptance of the updated Terms. If you do not agree with the modified Terms, you must discontinue use of the Services and notify us at [email protected].

If you have any questions about these Terms or the Services, please contact us: