Terms of Service

1Agreement to Terms & Contracting Parties

These Terms of Service ("Terms", "Agreement") constitute a legally binding agreement between you ("Customer", "User", "you", or "your") and Mogul Books LLC ("Mogul Books", "Company", "we", "us", or "our"), governing your access to and use of mogul-books.com, our web application, APIs, automated transaction classification tools, and related software services (collectively, the "Services").

If you access or use the Services on behalf of a company, limited liability company (LLC), partnership, trust, or other legal entity, you represent and warrant that you have the authority to legally bind that entity to these Terms. If you do not have such authority or do not agree with any part of these Terms, you must not access or use the Services.

2Not a CPA Firm — No Professional Tax or Legal Advice

You acknowledge and agree that:

• You remain solely responsible for reviewing, confirming, and approving all ledger entries, account classifications, balance sheets, and tax line mappings.
• Calculations, summaries, and financial reports generated by Mogul Books must be independently reviewed and verified by a licensed Certified Public Accountant, Enrolled Agent, or qualified tax attorney prior to filing official tax returns (e.g., IRS Form 1040 Schedule E, Form 1065, Form 1120-S) or submitting financial documentation to lenders and investors.
• Mogul Books LLC disclaims any liability for tax penalties, interest, audit adjustments, or regulatory sanctions resulting from your reliance on the Services or automated calculations.

3Account Registration, Security & Access Controls

To utilize the Services, you must create an account. You agree to provide accurate, current, and complete information during registration and maintain the currency of your information.

4Subscription Fees, Prepaid Usage Credits & Payments

Mogul Books operates on a transparent, simple pricing structure designed to eliminate per-seat and per-LLC charges:

5Third-Party Integrations & Financial Institutions

The Services integrate with third-party service providers to facilitate banking connectivity and computational features:

• Plaid Financial Feeds: Bank account connectivity is powered by Plaid Inc. By linking accounts, you grant Plaid and Mogul Books the right to access and transmit your financial data on a read-only basis. Mogul Books does not control financial institution availability, OAuth token expirations, or institution outages.
• Assistive Artificial Intelligence: Natural language bookkeeping interpretations are processed via enterprise LLM APIs. You acknowledge that AI classifications are automated assistive suggestions. You maintain full control and responsibility to review, modify, or reject any suggested journal entry prior to saving.

6Customer Data Ownership & Intellectual Property

7Acceptable Use & Service Restrictions

You agree to use the Services solely for lawful real estate portfolio accounting and asset tracking. You agree NOT to:

• Reverse engineer, decompile, disassemble, or attempt to derive source code from any portion of the platform.
• Resell, sublicense, syndicate, white-label, or provide commercial time-sharing access to third parties without prior written authorization.
• Interfere with, breach, or circumvent any platform rate limits, row-level security boundaries, authentication mechanisms, or server infrastructure.
• Use automated bots, scrapers, or scripts to extract data from the platform outside of documented, authorized API mechanisms.

8Data Portability, Term & Termination

Data Portability: You may export your entire general ledger, chart of accounts, transaction audit journals, and financial statement reports to standard CSV and Excel formats at any time during an active subscription.

Voluntary Account Termination: You may cancel your subscription or terminate your account at any time through your workspace settings or by contacting support@mogul-books.com.

Suspension or Termination by Mogul Books: We reserve the right to suspend or terminate access to the Services immediately, with or without prior notice, in the event of material breach of these Terms, non-payment of applicable fees, suspected fraud, or abusive conduct threatening platform security.

9Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED STRICTLY ON AN "AS IS" AND "AS AVAILABLE" BASIS.

Mogul Books LLC and its affiliates, officers, directors, employees, and licensors expressly disclaim all warranties of any kind, whether express, implied, statutory, or otherwise, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted or error-free system operation.

10Limitation of Liability

11Indemnification

You agree to defend, indemnify, and hold harmless Mogul Books LLC and its officers, directors, employees, and contractors from and against any third-party claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use or misuse of the Services; (b) any Customer Data provided or maintained in your account; (c) any tax filings, partner distributions, or investor reports based on information produced through your account; or (d) your violation of these Terms or applicable laws.

12Dispute Resolution & Binding Individual Arbitration

Informal Negotiation: In the event of any controversy or dispute, the parties agree to first attempt in good faith to resolve the dispute informally by delivering written notice to legal@mogul-books.com before initiating legal action.

Arbitration Agreement & Class Action Waiver: If unresolved within thirty (30) days, any dispute arising out of or relating to this Agreement shall be determined by binding individual arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. You and Mogul Books agree that all claims must be brought in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding.

13Governing Law & Jurisdiction

These Terms and any dispute arising hereunder shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law principles.

14Modifications to These Terms

We reserve the right to revise or modify these Terms at any time. When material updates are made, we will update the "Effective Date & Last Updated" timestamp at the top of this page and provide notice through in-app notifications or email dispatch. Continued access or use of the Services following the posting of revised Terms constitutes your acceptance of the changes.