Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Altus Labs, LLC ("Altus Labs," "we," "our," or "us"), a Wyoming limited liability company located at 30 N Gould St, Ste R, Sheridan, WY 82801.

By accessing our website at altuslabs.net, creating an account, or using any of our software applications and services ("our Applications"), you agree to be bound by these Terms. If you are entering into these Terms on behalf of a business, you represent that you have the authority to bind that business to these Terms.

If you do not agree to these Terms, do not use our website or Applications.

2. Description of Services

Altus Labs develops and provides business software applications and services. Our Applications may include features such as:

• Financial data connectivity and bank account reconciliation
• Expense tracking and transaction categorization
• Financial reporting and accounting management tools
• Document generation and workflow automation
• Other business productivity and management features

We may update, modify, or add to our Applications' features at any time. We will endeavor to communicate material changes in advance where practicable. Individual Applications may be subject to additional terms provided at the time of purchase or activation.

3. Eligibility

To use our Applications, you must:

• Be at least 18 years of age
• Be using our Applications for lawful business purposes
• Have the authority to enter into these Terms on behalf of yourself or your organization

Our Applications are intended for business use only and are not consumer products.

4. Account Registration

4.1 Accurate Information

You agree to provide accurate, complete, and current information when creating an account and to keep that information updated.

4.2 Account Security

You are responsible for maintaining the security of your account credentials and for all activity that occurs under your account. You must notify us immediately at [email protected] if you suspect unauthorized access to your account.

4.3 One Account Per Organization

You agree not to create multiple accounts for the same organization or to access another organization's account without authorization.

5. Subscriptions and Payment

5.1 Fees

Access to our Applications requires a paid subscription. Current pricing is available at altuslabs.net and through any applicable marketplace listings. We reserve the right to change pricing with at least 30 days' notice to existing subscribers.

5.2 Billing

Subscription fees are billed in advance on a recurring basis (monthly or annually, depending on your plan). By providing payment information, you authorize us to charge your payment method on a recurring basis.

5.3 Taxes

You are responsible for all applicable taxes, duties, and government fees associated with your subscription, unless we are legally required to collect them.

5.4 Refunds

Subscription fees are non-refundable except as required by applicable law or as expressly stated in a separate written agreement between you and Altus Labs.

5.5 Suspension for Non-Payment

We reserve the right to suspend or terminate your access to our Applications if payment is not received within 10 days of the due date.

6. Plaid Integration and Financial Data

6.1 Plaid as a Third-Party Service

Certain Applications integrate with Plaid, Inc. to retrieve financial account data on your behalf. By connecting a bank account through any of our Applications, you agree to Plaid's End User Privacy Policy, available at plaid.com/legal. Your use of the Plaid integration is also subject to Plaid's terms.

6.2 Your Authorization

When you connect a bank account, you authorize Altus Labs to retrieve financial data (including account information, balances, and transaction history) via Plaid for the purpose of providing the features you have enabled.

6.3 No Storage of Bank Credentials

Altus Labs never receives, stores, or has access to your bank login credentials. All credential entry occurs within Plaid's secure interface.

6.4 Accuracy of Financial Data

Financial data retrieved via Plaid is provided by your financial institution. Altus Labs makes no warranty that such data is complete, accurate, or current, and is not responsible for errors or omissions in data provided by third-party financial institutions or Plaid.

6.5 Revocation

You may disconnect your bank account at any time through the applicable Application. Disconnection revokes Plaid's authorization and stops ongoing data retrieval. Previously retrieved data may be retained for legal recordkeeping purposes as described in our Privacy Policy.

7. Acceptable Use

You agree to use our Applications only for lawful business purposes and in accordance with these Terms. You must not:

• Use our Applications to violate any applicable law or regulation, including financial regulations
• Attempt to gain unauthorized access to any part of our Applications or infrastructure
• Interfere with or disrupt the performance, integrity, or availability of our Applications
• Reverse engineer, decompile, or attempt to extract source code from our Applications
• Use our Applications to transmit malware, spam, or any harmful content
• Resell, sublicense, or redistribute our Applications without our written consent
• Use our Applications in any manner that could expose Altus Labs or its partners to liability
• Misrepresent your identity or organizational affiliation

8. Your Data and Content

8.1 Ownership

You retain ownership of all data, records, and content you input into our Applications ("Your Data"). These Terms do not transfer any ownership rights in Your Data to Altus Labs.

8.2 License to Operate

By using our Applications, you grant Altus Labs a limited, non-exclusive license to process, store, and use Your Data solely to provide and improve our Applications and as described in our Privacy Policy.

8.3 Your Responsibility

You are solely responsible for the accuracy, legality, and appropriateness of Your Data. You represent that you have the right to upload and process all data you input into our Applications.

8.4 Data Backup

While we maintain backups of our infrastructure, you are responsible for maintaining your own independent copies of critical business records. Altus Labs is not liable for data loss except to the extent caused by our gross negligence or willful misconduct.

9. Intellectual Property

9.1 Our Property

Our Applications, including their software, design, features, documentation, and all associated intellectual property, are owned by Altus Labs or its licensors and are protected by copyright, trademark, and other applicable laws. Nothing in these Terms transfers ownership of any Altus Labs intellectual property to you.

9.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to use our Applications solely for your internal business purposes during the term of your subscription.

9.3 Feedback

If you provide suggestions, feedback, or ideas regarding our Applications, you grant us the right to use that feedback without restriction or compensation to you.

10. Third-Party Services

Our Applications may integrate with third-party services. Your use of those services is governed by their respective terms and policies. Altus Labs is not responsible for the performance, availability, accuracy, or policies of any third-party service.

11. Confidentiality

Each party agrees to keep the other's non-public, proprietary, or confidential information ("Confidential Information") strictly confidential and not to disclose it to third parties without prior written consent. This obligation does not apply to information that: (a) is or becomes publicly available through no breach of these Terms; (b) was rightfully known before disclosure; or (c) is required to be disclosed by law or court order, provided the receiving party gives reasonable advance notice where legally permitted.

12. Disclaimers

13. Limitation of Liability

14. Indemnification

You agree to indemnify, defend, and hold harmless Altus Labs and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of our Applications; (b) Your Data; (c) your violation of these Terms; or (d) your violation of any applicable law or the rights of any third party.

15. Term and Termination

15.1 Term

These Terms remain in effect for the duration of your subscription or use of our Applications.

15.2 Termination by You

You may cancel your subscription at any time through your account settings or by contacting [email protected]. Cancellation takes effect at the end of your current billing period.

15.3 Termination by Us

We may suspend or terminate your access to our Applications immediately if you: (a) materially breach these Terms; (b) fail to pay fees when due; (c) engage in fraudulent or illegal activity; or (d) cause harm to our Applications, other users, or Altus Labs.

15.4 Effect of Termination

Upon termination, your license to use our Applications ends immediately. We will retain Your Data for the period required by applicable law and our Privacy Policy, after which it will be deleted in accordance with our Data Retention & Deletion Policy.

16. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of law provisions.

Any dispute arising from these Terms or your use of our Applications that cannot be resolved informally will be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, with proceedings conducted in Sheridan, Wyoming. Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect intellectual property or confidential information.

You and Altus Labs each waive any right to a jury trial or to participate in a class action lawsuit or class-wide arbitration.

17. General Provisions

17.1 Entire Agreement

These Terms, together with our Privacy Policy and any applicable order forms or subscription agreements, constitute the entire agreement between you and Altus Labs regarding our Applications and supersede all prior agreements.

17.2 Severability

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

17.3 Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of our right to enforce it in the future.

17.4 Assignment

You may not assign your rights or obligations under these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

17.5 Force Majeure

Neither party is liable for delays or failures in performance resulting from causes beyond their reasonable control, including natural disasters, acts of government, power failures, or internet disruptions.

17.6 No Agency

Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and Altus Labs.

18. Changes to These Terms

We may update these Terms from time to time. When we do, we will update the "Last Updated" date at the top of this page. For material changes, we will provide at least 30 days' notice via email or in-application notification. Your continued use of our Applications after the effective date of updated Terms constitutes your acceptance of the changes.

19. Contact Us

For questions about these Terms or to report a violation: