Terms of
Service

1. Acceptance of Terms

By accessing or using FlipBooks — including visiting our website, creating an account, or using any feature of our product — you agree to be bound by these Terms of Service ("Terms"), our Privacy Policy, and any additional terms that may apply to specific features or services.

These Terms constitute a legally binding agreement between you ("you" or "User") and FlipBooks ("FlipBooks," "we," "us," or "our"). If you do not agree to these Terms, you may not access or use the Service.

We may update these Terms from time to time. Your continued use of the Service after any changes constitutes acceptance of the updated Terms. Material changes will be communicated with advance notice as described in Section 14.

2. Description of Service

FlipBooks is a financial tracking, bookkeeping, and tax preparation assistance tool designed for individual resellers and small reselling businesses. The Service allows users to:

• Connect bank accounts and credit cards through Plaid to import transaction data
• Upload and import sales data from reselling platforms including eBay, Poshmark, Mercari, Amazon, Depop, and others
• Track cost of goods sold (COGS) and per-item profitability
• Log cash transactions and sourcing expenses
• Generate financial reports, profit and loss summaries, and tax-preparation documents including Schedule C exports
• Reconcile platform payouts with IRS Form 1099-K data

3. Account Registration & Security

To use FlipBooks, you must create an account by providing accurate and complete information. You agree to keep your account information current and accurate.

• Age requirement: You must be at least 18 years old to create an account. By registering, you represent that you are 18 or older.
• Password security: You are responsible for maintaining the confidentiality and security of your password. Use a strong, unique password and enable any available two-factor authentication options. Do not share your credentials with any third party.
• Unauthorized access: You must notify us immediately at legal@flipbooks.io if you become aware of any unauthorized use of your account or any security breach. We are not liable for any losses resulting from unauthorized account access due to your failure to secure your credentials.
• One account per person: You may not create multiple accounts for the purpose of circumventing plan limitations or for any fraudulent purpose. Accounts may not be shared commercially between multiple individuals or entities without our written consent.
• Account integrity: We reserve the right to suspend or terminate accounts that we reasonably believe contain false information, that are being used fraudulently, or that otherwise violate these Terms, with or without prior notice depending on the severity of the violation.

4. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. Specifically, you agree NOT to:

• Use the Service for any illegal purpose, including but not limited to tax fraud, money laundering, or any violation of applicable tax, financial, or consumer protection laws
• Input false, fabricated, or misleading financial data with the intent to generate fraudulent tax documents or reports
• Attempt to reverse engineer, decompile, disassemble, or derive source code from the Service
• Attempt to gain unauthorized access to any part of the Service, its underlying systems, or any connected accounts or data
• Upload, transmit, or store malicious code, viruses, trojans, or any software intended to disrupt, damage, or gain unauthorized access to systems
• Use automated means (bots, scrapers, crawlers) to access, extract, or collect data from the Service beyond normal, authorized use
• Resell, sublicense, or otherwise provide the Service to third parties as a white-label or embedded product without our prior written agreement
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Use the Service in any manner that could damage, disable, overburden, or impair our servers or networks, or interfere with any other user's use and enjoyment of the Service
• Use the Service to process financial data on behalf of other resellers as a commercial bureau or processing service without our written agreement

We reserve the right to investigate and take appropriate action for any violation of these acceptable use provisions, including suspending or terminating your account, reporting you to law enforcement, and seeking legal remedies.

5. Financial Data & Disclaimer

FlipBooks is a bookkeeping organization tool. We are not a licensed accounting firm, certified public accounting (CPA) practice, tax preparation service, enrolled agent firm, or financial advisory service. We do not employ licensed tax professionals in a capacity where they are acting as your advisor.

The financial reports, profit and loss calculations, tax estimates, Schedule C exports, and 1099-K reconciliations produced by the Service are based entirely on the data you input. The accuracy of all outputs depends entirely on the accuracy and completeness of the data you provide. Garbage in, garbage out.

We make no representations, warranties, or guarantees regarding:

• The accuracy, completeness, or tax compliance of any report or export generated by the Service
• The suitability of any output for use in tax filings, financial statements, or any formal accounting purpose
• Whether use of the Service will result in correct tax liability calculations, deduction maximization, or avoidance of penalties

You should always consult a licensed CPA, enrolled agent, or qualified tax professional before filing your tax return. FlipBooks is designed to make that conversation faster and easier — not to replace it.

FlipBooks is not responsible for any tax liability, interest, penalties, underpayment, overpayment, audit findings, or financial losses arising from or related to your use of or reliance on the Service.

6. Plaid Integration

FlipBooks uses Plaid Technologies, Inc. to enable bank account and credit card connections. By connecting a financial account through the Service, you agree to the following:

• Your use of the bank connection feature is governed by Plaid's End User Privacy Policy and Plaid's Terms of Service, in addition to these Terms
• You authorize FlipBooks to receive read-only access to your transaction history through Plaid for the purpose of categorizing business expenses and generating financial reports
• This authorization does not permit us to initiate transactions, move funds, or take any action on your account other than reading transaction data
• You may revoke this authorization at any time by disconnecting your account in your FlipBooks Account Settings. Revocation will stop the flow of new data but will not delete transaction data already imported
• You represent that you are the authorized account holder or have the legal authority to connect the bank accounts you link to the Service

7. Subscription, Billing & Refunds

FlipBooks offers both a free plan and a paid Pro plan. All billing is handled securely through Stripe, a PCI-compliant payment processor. We do not store your full payment card information.

• Free Plan: Available indefinitely at no cost, subject to the feature limitations described on our Pricing page. We reserve the right to modify free plan features with 30 days notice.
• Pro Plan (Monthly): Billed at $12.95 per month, charged on the same day each month from the date you subscribe. Auto-renews unless cancelled.
• Pro Plan (Annual): Billed at $99.95 per year ($8.33/month equivalent), charged annually on the anniversary of your subscription date. Represents a discount versus monthly billing. Auto-renews unless cancelled.
• Auto-renewal: Paid subscriptions automatically renew at the end of each billing period. You can cancel at any time before the next renewal date. Your access will continue through the end of your current paid period.
• Cancellation: You may cancel your subscription at any time through your Account Settings. Cancellation takes effect at the end of your current billing period. We do not prorate partial months on monthly plans.
• Refund policy — Monthly: Monthly plan charges are non-refundable except where required by applicable law or where a material service outage is attributable solely to us.
• Refund policy — Annual: Annual plans may be refunded in full within 14 calendar days of purchase, provided that no financial data has been processed (i.e., no CSV imports, bank connections, or report exports have been made) during that period. After 14 days or after data has been processed, annual charges are non-refundable.
• Pricing changes: We reserve the right to change our pricing. We will provide at least 30 days advance notice of any price increase via email before the change takes effect for existing subscribers.
• Early access pricing: Resellers who join the waitlist and subscribe at launch will have their early access pricing locked for the life of their account, provided their subscription remains active without lapse.
• Failed payments: If a payment fails, we will attempt to retry the charge. If payment is not successfully collected, your account may be downgraded to the free plan. We will notify you by email before any downgrade occurs.

8. Intellectual Property

Our property: FlipBooks, including its name, logo, design, codebase, interface, documentation, and all associated content, is owned by FlipBooks and protected by applicable intellectual property laws, including copyright, trademark, and trade secret law. You may not copy, reproduce, modify, distribute, or create derivative works from any part of the Service without our prior written consent.

Your data is yours: You retain full ownership of all data you upload, input, or generate through the Service, including your financial records, transaction data, inventory records, and any exports you produce. We make no claim of ownership over your data.

License you grant us: By using the Service, you grant FlipBooks a limited, non-exclusive, royalty-free license to process, store, and use your data solely as necessary to provide the Service to you. This license terminates when you delete your account, subject to our data retention obligations under our Privacy Policy.

Branding: You may not use the FlipBooks name, logo, or any associated marks in any way that implies endorsement, partnership, or affiliation without our prior written permission. Requests for media use or partnership co-branding should be directed to legal@flipbooks.io.

9. Privacy

Your use of FlipBooks is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By agreeing to these Terms, you also agree to the Privacy Policy.

Our Privacy Policy describes what information we collect, how we use it, how we protect it, and what choices you have. We strongly encourage you to read it. The short version: we don't sell your data, we don't show you ads, and your financial information is encrypted and protected.

10. Limitation of Liability

Some jurisdictions do not allow the exclusion or limitation of certain types of damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law. The limitations in this section apply regardless of the theory of liability (contract, tort, statute, or otherwise).

11. Disclaimer of Warranties

You acknowledge and agree that your use of the Service is at your sole risk and discretion. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy and completeness of data input and output, and for maintaining external means for reconstruction of any lost data.

12. Indemnification

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

• Your use of or access to the Service
• Your violation of these Terms or any applicable law or regulation
• Your violation of any third-party right, including privacy rights, intellectual property rights, or financial institution terms of service
• Any data you upload, input, or transmit through the Service
• Any claim that your use of the Service caused damage to a third party

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you agree to cooperate with us in asserting any available defenses. You may not settle any claim subject to indemnification without our prior written consent.

13. Governing Law & Disputes

These Terms and any dispute arising out of or relating to them or the Service shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

• Informal resolution first: Before initiating any formal dispute, you agree to contact us at legal@flipbooks.io and provide a written description of the dispute, the relief you are seeking, and your contact information. We will attempt to resolve the dispute informally within 30 days of receiving your notice.
• Binding arbitration: If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court. The arbitration will be conducted in English and may be conducted remotely.
• Class action waiver: YOU AND FLIPBOOKS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any class or representative proceeding.
• Small claims exception: Notwithstanding the above, either party may bring an individual action in small claims court for disputes within that court's jurisdiction.
• Injunctive relief: Either party may seek emergency injunctive or other equitable relief in any court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights.

14. Modifications to Terms

We reserve the right to modify these Terms at any time. When we make changes, we will update the "Last updated" date at the top of this page.

For material changes — those that meaningfully affect your rights, obligations, or how the Service works — we will provide at least 30 days advance notice via email to the address associated with your account before the changes take effect.

Your continued use of the Service after the effective date of any revised Terms constitutes your acceptance of those changes. If you do not agree to the revised Terms, you must stop using the Service and cancel your subscription (if applicable) before the effective date of the changes.

Previous versions of these Terms are available upon request at legal@flipbooks.io.

15. Termination

Termination by us: We may suspend or permanently terminate your account and access to the Service at any time, with or without cause and with or without notice, if we reasonably believe you have violated these Terms, engaged in fraudulent activity, or if we determine that continued access poses a risk to the Service or other users. For non-material violations, we will typically provide notice and an opportunity to cure the violation before termination.

For termination not related to a violation (for example, if we discontinue the Service), we will provide at least 30 days advance notice via email.

Termination by you: You may cancel your account at any time through your Account Settings. Upon cancellation of a paid subscription, you will retain access through the end of your current billing period. Upon deletion of your account, your access to the Service will terminate immediately.

Effect of termination: Upon termination of your account for any reason, your right to access and use the Service ends immediately. The following survive termination: your obligation to pay any outstanding amounts, Sections 5, 8, 10, 11, 12, 13, and this Section 15, and any other provisions that by their nature should survive.

Data after termination: Following account termination, you will have 30 days to request an export of your data before it is scheduled for deletion. After 30 days, we will begin the deletion process described in our Privacy Policy, subject to legal retention requirements.

16. Contact

For legal inquiries, Terms of Service questions, or to report a potential violation, please contact us:

For privacy-related inquiries specifically, please contact privacy@flipbooks.io. See our Privacy Policy for full details on your rights and how to exercise them.