Terms of Service

1. Agreement to Terms

These Terms of Service (“Terms”) govern your access to and use of the 3442 Labs General Ledger (“Service”), a financial accounting platform operated by 3442 Labs Inc. (“3442 Labs”, “we”, “us”, or “our”) at books.3442labs.com.

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

2. Description of Service

The Service is an append-only general ledger platform designed for organizations to record, track, and reconcile financial transactions. Features include journal entry management, bank account reconciliation via Plaid, financial reporting, multi-entity support, and AI-assisted transaction review.

3. Account Responsibilities

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activity that occurs under your account
• Enabling multi-factor authentication (TOTP) for your account
• Notifying us immediately of any unauthorized access at legal@3442labs.com

You must be authorized by your organization to access the Service on its behalf. Each user account is personal and may not be shared.

4. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable laws
• Attempt to gain unauthorized access to any part of the Service or its infrastructure
• Introduce malware, viruses, or other malicious code
• Reverse engineer, decompile, or disassemble any part of the Service
• Use the Service to store, process, or transmit data on behalf of third parties without authorization
• Interfere with or disrupt the integrity or performance of the Service

5. Data Ownership

You own your data. 3442 Labs does not claim ownership of any financial records, journal entries, contacts, or other data you input into the Service (“Your Data”).

By using the Service, you grant 3442 Labs a limited, non-exclusive license to store, process, and display Your Data solely for the purpose of providing the Service to you.

You may export Your Data at any time via the reporting and export features in the Service. Upon account termination, you may request a full data export before deletion.

6. Plaid Integration

The Service integrates with Plaid Inc. (“Plaid”) to connect bank accounts for transaction import and reconciliation. When you connect a bank account:

• You are subject to Plaid's End User Privacy Policy and Terms of Service
• Plaid acts as an independent data processor; 3442 Labs does not control Plaid's data practices
• We receive from Plaid only: account name, type, balance, and transaction data
• This data is used solely for bank feed reconciliation within your account
• You may disconnect your bank accounts at any time from the Banking section

7. Service Availability

We strive to maintain high availability but do not guarantee uninterrupted access to the Service. We may perform scheduled or emergency maintenance that temporarily affects availability. We will provide reasonable notice for planned maintenance where possible.

The Service is provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding reliability, accuracy, or fitness for a particular purpose.

8. Limitation of Liability

To the maximum extent permitted by applicable law, 3442 Labs shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, or business interruption, arising from your use of or inability to use the Service.

Our total liability to you for any claims arising from these Terms or your use of the Service shall not exceed the fees paid by you to 3442 Labs in the twelve months preceding the claim.

Nothing in these Terms limits liability for fraud, gross negligence, or willful misconduct.

9. Data Handling and Privacy

Our collection and use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the data practices described in the Privacy Policy.

10. Intellectual Property

The Service, including its software, design, and documentation, is owned by 3442 Labs and protected by intellectual property laws. These Terms do not grant you any rights to use 3442 Labs trademarks, logos, or other brand elements.

11. Termination

Either party may terminate access to the Service at any time. Upon termination:

• Your access to the Service will be revoked
• Your Data will be retained for 90 days after which it will be securely deleted, except financial records which are retained for 7 years as required by applicable law
• You may request a data export during the 90-day retention window

12. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by email or by posting a notice in the Service. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

13. Governing Law and Disputes

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved exclusively in the courts of the State of Delaware or the federal courts located in Wilmington, Delaware.

14. Contact

For questions about these Terms, contact us at: