Terms of Service

Effective Date: May 9, 2026
Last Updated: May 9, 2026
Provider: Arveo Inc.
Boca Raton, Florida
contact@arveo.ai

Please read these Terms of Service carefully before using the Arveo platform. By creating an account, clicking "I agree," or otherwise accessing or using the Platform, you agree to be bound by these Terms. If you are using the Platform on behalf of a business or other legal entity, you represent that you have authority to bind that entity to these Terms, and "you" refers to that entity.

If you do not agree to these Terms, do not use the Platform.

1. Acceptance

1.1 These Terms of Service ("Terms") constitute a binding legal agreement between you ("Customer" or "you") and Arveo Inc., a Delaware corporation ("Arveo," "we," or "us"), governing your access to and use of the Arveo AI bookkeeping and financial intelligence platform, including all related software, APIs, websites, documentation, and support services (collectively, the "Platform").

1.2 Arveo may update these Terms from time to time. When we make material changes, we will provide at least 30 days' written notice via email to the primary account holder. Your continued use of the Platform after the effective date of the updated Terms constitutes your acceptance. If you do not agree to updated Terms, you may terminate your subscription before the effective date of the update.

2. Definitions

3. Account Registration and Access

3.1 Eligibility. The Platform is intended for use by businesses, accounting firms, and their authorized personnel. You must be at least 18 years of age and have legal authority to enter into this agreement to use the Platform.

3.2 Account Creation. You must provide accurate and complete information when creating your Arveo account. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.

3.3 Security Obligations. You agree to: (a) use a strong, unique password for your Arveo account; (b) enable multi-factor authentication if the Platform supports it for your plan; (c) notify us immediately at security@arveo.ai if you become aware of unauthorized access to your account; and (d) not share your login credentials with any person outside your authorized Users.

3.4 Account Responsibility. You are responsible for all actions of your Users. You agree to ensure that your Users comply with these Terms and to immediately revoke access for any User whose authorization is terminated.

3.5 One Account per Entity. Each subscribing entity may hold one primary organizational account. You may provision multiple Users within that account according to your subscription plan.

4. Subscription and Billing

4.1 Subscription Plans. Arveo offers subscription plans (Starter, Pro, and Enterprise) described on the Arveo pricing page at https://arveo.ai/pricing. Features, usage limits, and pricing are as specified on the pricing page at the time of purchase. Arveo reserves the right to modify pricing with 30 days' written notice.

4.2 Payment. All fees are payable in U.S. dollars. Payment is processed through Stripe, Inc. By providing payment information, you authorize Arveo to charge the applicable fees to your designated payment method. You represent that you are authorized to use the payment method provided. Arveo does not store raw payment card details; payment processing is handled by Stripe.

4.3 Billing Cycle. Subscriptions are billed on a monthly or annual basis as selected at purchase. Monthly subscriptions renew automatically on the same date each month. Annual subscriptions renew on the anniversary of the subscription start date unless cancelled before the renewal date.

4.4 No Refunds. All fees paid are non-refundable except as required by applicable law or as provided in the Service Level Agreement incorporated into these Terms. Partial-month credits are not issued for mid-cycle cancellations.

4.5 Taxes. Fees do not include applicable sales, use, value-added, or other taxes. Customer is responsible for all applicable taxes except taxes on Arveo's net income.

4.6 Late Payment. Invoices not paid within 15 days of the due date may incur a late fee of 1.5% per month (or the maximum rate permitted by applicable law, if lower). Arveo reserves the right to suspend Customer's access upon 10 days' written notice if payment remains overdue after the due date, without waiving any other rights.

4.7 Free Trials. If Arveo offers a free trial, Customer may use the Platform for the trial period without charge. At the end of the trial period, your subscription will convert to a paid plan unless you cancel before the trial ends.

5. License Grant

5.1 Subject to Customer's timely payment of fees and compliance with these Terms, Arveo grants Customer a limited, non-exclusive, non-transferable, non-sublicensable right during the Subscription Term to access and use the Platform for Customer's internal business purposes, in accordance with the Documentation and the applicable subscription plan.

5.2 This license does not include the right to: (a) copy, modify, or create derivative works of the Platform; (b) reverse engineer, decompile, or disassemble the Platform; (c) sell, resell, sublicense, or otherwise transfer the Platform or access to it to any third party; or (d) use the Platform to build a competing product.

6. Acceptable Use

6.1 You agree to use the Platform only for lawful purposes and in compliance with these Terms. You agree not to:

• Use the Platform to process or store data for which you do not have lawful authority
• Violate any applicable law, regulation, or third-party right
• Use the Platform to transmit spam, malicious code, or unauthorized automated requests
• Attempt to probe, test, or penetrate the security of the Platform without Arveo's prior written consent
• Interfere with or disrupt the Platform's infrastructure, servers, or networks
• Use the Platform to facilitate money laundering, fraud, or any other financial crime
• Share your account credentials or allow multiple individuals to share a single User account
• Upload content that infringes the intellectual property rights of any third party
• Exceed the rate limits, storage limits, or API call limits applicable to your subscription plan

6.2 Arveo reserves the right to investigate and take appropriate action against any use that violates this Section, including suspending or terminating the offending account and reporting conduct to law enforcement where warranted.

7. Intellectual Property

7.1 Arveo's IP. All right, title, and interest in the Platform, including its software, algorithms, user interface, and all improvements, enhancements, and derivative works, are owned by Arveo or its licensors. These Terms do not transfer any ownership rights to Customer.

7.2 Customer Data Ownership. Customer retains all right, title, and interest in Customer Data. Arveo claims no ownership over Customer Data and does not use Customer Data for any purpose other than delivering the Platform services described in these Terms and as required by law.

7.3 License to Customer Data. Customer grants Arveo a limited, non-exclusive, worldwide license to process Customer Data solely as necessary to provide the Platform services, including transmitting transaction data to Anthropic's Claude API for AI summarization, as described in the Privacy Policy and Data Processing Addendum.

7.4 Feedback. If Customer or its Users provide suggestions, ideas, or feedback regarding the Platform ("Feedback"), Arveo may use that Feedback without restriction, attribution, or compensation to Customer.

7.5 Trademarks. Arveo's name, logo, and product names are trademarks of Arveo Inc. Customer may not use Arveo's trademarks without prior written permission, except to factually refer to Customer's use of the Platform.

8. Customer Data and Confidentiality

8.1 Data Handling. Arveo handles Customer Data in accordance with the Privacy Policy at https://arveo.ai/privacy and, where applicable, the Data Processing Addendum. Arveo maintains industry-standard security controls as described at https://arveo.ai/security.

8.2 Confidentiality. Each party agrees to hold the other party's Confidential Information in confidence and not to disclose it to third parties or use it for any purpose other than performing obligations under these Terms. "Confidential Information" means any non-public information disclosed by one party to the other that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information and the circumstances of disclosure. This obligation does not apply to information that: (a) is or becomes publicly known through no breach of this agreement; (b) was rightfully known to the receiving party before disclosure; (c) is received from a third party without restriction; or (d) must be disclosed pursuant to law or court order, provided the disclosing party gives prompt written notice where legally permitted.

8.3 No Sale of Customer Data. Arveo will not sell, license, or monetize Customer Data for any purpose outside the delivery of the Platform.

9. Third-Party Services and Integrations

9.1 The Platform integrates with third-party services, including QuickBooks Online (Intuit), Stripe, Slack, Twilio, Anthropic, Resend, Sentry, Supabase, Vercel, and Cloudflare. These services are governed by their own terms of service and privacy policies, which are independent of these Terms.

9.2 Arveo is not responsible for the availability, accuracy, or performance of third-party services. Outages or changes to third-party APIs (including QuickBooks Online) may affect certain Platform features. Such third-party service disruptions do not constitute a breach of these Terms by Arveo.

9.3 By connecting a third-party service to Arveo (such as QuickBooks Online), you authorize Arveo to access and retrieve data from that service on your behalf using the access scope you grant.

10. Warranties and Disclaimers

10.1 Mutual Representations. Each party represents and warrants that: (a) it has the legal authority to enter into this agreement; and (b) it will comply with all applicable laws in connection with its use or provision of the Platform.

10.2 Arveo's Warranties. Arveo warrants that: (a) it will provide the Platform in a professional and workmanlike manner consistent with industry standards; and (b) it maintains and will maintain reasonable security controls as described in the Documentation and Security page.

10.3 Disclaimer. EXCEPT AS EXPRESSLY SET FORTH IN THESE TERMS, THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE." PULSE DISCLAIMS ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY. PULSE DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ALL ERRORS WILL BE CORRECTED.

10.4 No Financial Advice. The AI-generated summaries and financial insights provided by Arveo are informational tools only and do not constitute financial, tax, accounting, or legal advice. You are responsible for independently verifying all financial information and for decisions made based on Platform outputs. Arveo is not a registered investment advisor, tax professional, or certified public accountant.

11. Limitation of Liability

11.1 Exclusion of Consequential Damages. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO THESE TERMS OR THE PLATFORM, INCLUDING LOSS OF PROFITS, LOSS OF DATA, OR LOSS OF BUSINESS OPPORTUNITY, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11.2 Aggregate Cap. EACH PARTY'S TOTAL AGGREGATE LIABILITY TO THE OTHER ARISING OUT OF OR RELATED TO THESE TERMS WILL NOT EXCEED THE TOTAL FEES PAID OR PAYABLE BY CUSTOMER TO PULSE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

11.3 Exceptions. The limitations in Sections 11.1 and 11.2 do not apply to: (a) Customer's payment obligations; (b) either party's indemnification obligations under Section 12; (c) either party's breach of confidentiality obligations under Section 8; (d) claims arising from gross negligence or willful misconduct; or (e) liability that cannot be limited under applicable law.

12. Indemnification

12.1 By Customer. Customer will defend, indemnify, and hold harmless Arveo and its officers, directors, employees, and agents from and against any third-party claims, losses, damages, and expenses (including reasonable attorneys' fees) arising from: (a) Customer's use of the Platform in violation of these Terms; (b) Customer Data (including any claim that Customer Data infringes or misappropriates a third party's intellectual property rights); or (c) Customer's violation of applicable law.

12.2 By Arveo. Arveo will defend, indemnify, and hold harmless Customer and its officers, directors, employees, and agents from and against any third-party claims, losses, damages, and expenses (including reasonable attorneys' fees) arising from Arveo's infringement of any third-party intellectual property right by the Platform as delivered. Arveo's obligation does not apply if the infringement results from: (a) Customer's modification of the Platform; (b) Customer's combination of the Platform with third-party products not authorized by Arveo; or (c) Customer's use of the Platform in violation of these Terms.

12.3 Indemnification Process. The indemnified party must: (a) promptly notify the indemnifying party in writing of the claim; (b) give the indemnifying party sole control over defense and settlement; and (c) provide reasonable cooperation at the indemnifying party's expense. The indemnifying party may not settle a claim in a manner that imposes obligations on the indemnified party without the indemnified party's written consent.

13. Term and Termination

13.1 Term. These Terms commence on the date you first accept them and continue until the expiration or termination of all Subscription Terms.

13.2 Termination by Customer. Customer may cancel its subscription at any time through the account settings page or by written notice to billing@arveo.ai. Cancellation takes effect at the end of the then-current billing period. No refunds are issued for unused portions of a billing period.

13.3 Termination by Arveo for Cause. Arveo may terminate the Agreement immediately upon written notice if: (a) Customer materially breaches these Terms and fails to cure the breach within 30 days of written notice; (b) Customer fails to pay fees when due and fails to cure within 15 days of written notice; (c) Customer becomes insolvent or subject to bankruptcy, receivership, or similar proceedings; or (d) Customer engages in conduct that Arveo reasonably believes poses a security risk to the Platform or other customers.

13.4 Effect of Termination. Upon termination or expiration: (a) the license grant in Section 5 terminates and Customer must cease all use of the Platform; (b) Arveo will make Customer Data available for export for 30 days following termination, after which Arveo may delete it in accordance with the Privacy Policy; and (c) all accrued payment obligations survive termination. Sections 7, 8.2, 9, 10, 11, 12, 13.4, 14, 15, and 16 survive termination.

14. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law principles. To the extent any dispute is not subject to arbitration under Section 15, the exclusive jurisdiction and venue for such dispute is the state and federal courts located in Palm Beach County, Florida.

15. Dispute Resolution and Arbitration

15.1 Informal Resolution. Before initiating any formal dispute resolution, the parties agree to first attempt good-faith resolution by providing written notice of the dispute to the other party and meeting and conferring within 30 days.

15.2 Binding Arbitration. Except as provided in Section 15.4, any dispute, claim, or controversy arising out of or relating to these Terms or the Platform that is not resolved informally will be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. The arbitration will be conducted in Boca Raton, Florida, or by videoconference if both parties agree. The arbitrator's award will be final and binding and may be entered as a judgment in any court of competent jurisdiction. The parties agree that arbitration will be conducted on an individual basis and not as a class action, class arbitration, or representative proceeding.

15.3 Arbitration Fees. AAA filing fees will be allocated as provided by AAA rules. Arveo will pay reasonable arbitration fees for claims under $10,000 where Arveo is the prevailing party, unless the arbitrator determines the claim was frivolous.

15.4 Carve-Outs. Notwithstanding the foregoing, either party may seek emergency injunctive or other equitable relief in a court of competent jurisdiction to protect intellectual property rights or confidential information, or to prevent irreparable harm, without waiving the right to arbitration on other issues.

16. Miscellaneous

16.1 Entire Agreement. These Terms, together with the Privacy Policy, Data Processing Addendum (if executed), Service Level Agreement, and any Order Form, constitute the entire agreement between the parties with respect to the subject matter hereof and supersede all prior agreements, negotiations, and representations.

16.2 Severability. If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.

16.3 Waiver. A party's failure to enforce any provision of these Terms does not constitute a waiver of that party's right to enforce it later.

16.4 Assignment. Customer may not assign or transfer these Terms or any rights under them without Arveo's prior written consent. Arveo may assign these Terms to any successor entity in connection with a merger, acquisition, or sale of substantially all of its assets. Any purported assignment in violation of this Section is void.

16.5 Notices. Notices to Arveo should be sent to contact@arveo.ai with a copy mailed to Arveo Inc., Boca Raton, FL. Notices to Customer are sent to the email address associated with the primary account holder.

16.6 Force Majeure. Neither party is liable for delays or failures in performance caused by circumstances beyond that party's reasonable control, including acts of God, natural disasters, pandemic, war, civil unrest, government action, or internet infrastructure failures, provided the affected party gives prompt notice and uses reasonable efforts to mitigate the impact.

16.7 Relationship of Parties. The parties are independent contractors. Nothing in these Terms creates an employment, partnership, joint venture, agency, or fiduciary relationship.

16.8 Export. The Platform may not be exported or re-exported to sanctioned countries or to individuals or entities on U.S. government restricted-party lists. Customer represents that it is not on any such list and is not a national or resident of any such country.

Terms of Service — Arveo Inc. — Version 1.1 — May 28, 2026