Terms of Service

1. The Service

Playbook is a financial-intelligence platform that ingests data from your bank, payment processors, and accounting systems and provides reporting, AI-powered analysis, alerts, and exports. Playbook is read-only by default: we do not move money, post journal entries, or modify your books on your behalf.

2. Eligibility & accounts

You must be at least 18 years old and authorized to bind your organization to these Terms. You are responsible for keeping account credentials secure and for all activity that occurs under your account.

3. Acceptable use

You agree not to:

• Use Playbook in violation of any law or regulation.
• Connect financial accounts you are not authorized to access.
• Reverse engineer, decompile, or attempt to extract our source code, except where applicable law permits.
• Use the Service to build a competing product or to benchmark against us without our written consent.
• Send abusive, infringing, or unlawful content through the Service.

4. Your data

You retain ownership of all data you submit or that we ingest on your behalf, including data we receive from connected services such as Plaid, Stripe, and Intuit QuickBooks Online (collectively, “Customer Data”). You grant Playbook a limited, non-exclusive license to host, process, and display Customer Data solely to provide the Service to you.

We do not sell Customer Data. We do not share Customer Data with third parties for advertising or marketing. We do not use Customer Data to train third-party general-purpose AI models. We use Customer Data only as needed to operate, secure, and support the Service, to comply with law, and to protect the rights of Playbook and our customers. We may use de-identified, aggregated data that cannot reasonably be linked back to you or your organization to improve the Service.

5. AI features

Playbook's assistant uses large language models to answer questions and generate reports. Outputs are generated programmatically and may contain errors. You are responsible for verifying any output before relying on it for accounting, tax, legal, or investment decisions. Nothing in the Service constitutes financial, legal, or tax advice.

6. Third-party services

Playbook integrates with third-party services including Plaid, Stripe, Intuit (QuickBooks), and Slack. Your use of those services is governed by their own terms. We are not responsible for the availability, accuracy, or behavior of third-party services.

7. Fees

Plans and fees are listed on our pricing page or in your order form. Fees are non-refundable except where required by law. We may change pricing on 30 days' notice for the next billing cycle.

8. Suspension & termination

You may cancel your account at any time. We may suspend or terminate your access if you breach these Terms or use the Service in a way that creates risk for us or other customers. On termination, your data will be deleted as described in the Privacy Policy.

9. Warranties & disclaimers

The Service is provided “as is” and “as available.” To the maximum extent permitted by law, Playbook disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that all data will be accurate.

10. Limitation of liability

To the maximum extent permitted by law, Playbook's total liability arising out of or related to these Terms or the Service is limited to the greater of (a) the amount you paid Playbook in the 12 months preceding the event giving rise to the claim, or (b) one hundred dollars. We will not be liable for indirect, incidental, special, consequential, or punitive damages.

11. Governing law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. Any dispute will be resolved in the state or federal courts located in Delaware, and you and Playbook consent to the jurisdiction of those courts.

12. Changes

We may revise these Terms from time to time. If we make material changes, we will notify you by email or in-product notice. Continued use of the Service after changes take effect constitutes acceptance.

13. Contact

Balanced Concepts, LLC
support@onplaybook.com