Terms of Service

1. Who provides PadgeBooks

PadgeBooks is operated by William Padgett, an individual based in Cincinnati, Ohio, United States. In these Terms, “PadgeBooks,” “we,” “us,” and “our” refer to that operator. “You” means the person using the service and, when you act with its authority, the business you represent.

You must be at least 18 years old and authorized to enter this agreement for any business you represent. PadgeBooks is intended for personal and business recordkeeping.

2. Accounts and company access

Use accurate account information, verify your email address, and keep your password and recovery codes private. You are responsible for activity you authorize through your account. Tell us promptly if you suspect unauthorized access.

A company owner controls membership and roles. Invite only people authorized to access the company’s records. Access within a company depends on the assigned role; a read-only role does not make ordinary company records confidential from that member.

3. Your records and decisions

PadgeBooks provides software for bookkeeping, invoices, personal and business records and related workflows. You retain ownership of the records you upload. You give us permission to host, process, display, back up and transmit them as needed to provide the service and the features you authorize.

You are responsible for the accuracy and lawful use of your records, for permissions to upload information about other people, and for reviewing imports, suggested categories, receipt extraction, financial reports and other results before relying on them. Keep independent copies and export records you need for business or legal obligations.

PadgeBooks is not a bank, accounting firm, tax adviser, payroll processor or legal adviser. Manual payroll workflows record amounts you supply; they do not determine withholding, deposit taxes or file returns. Tax worksheets and software calculations do not replace professional advice or required filings. A manual payment entry records an event in the books and does not itself move money.

4. Trials, subscriptions and refunds

Any trial duration and the subscription price are shown in the app or Stripe Checkout. Subscriptions apply to individual workspaces, including personal and business workspaces. Starting a trial does not itself authorize a payment; a paid subscription requires completing checkout.

When you subscribe, you authorize the recurring monthly charges shown at checkout until cancellation takes effect. Applicable taxes and charges are disclosed when charged. Any price change will be disclosed before it applies to a future renewal, with an opportunity to cancel before that renewal.

Use Companies & billing to open the Stripe billing portal and cancel or manage a subscription. The portal displays the effective cancellation date. Cancellation stops future renewals from that date and does not itself request deletion of your records. If payment or trial access ends, accounting records remain available to authorized users for viewing and export while retained, but new accounting changes may be restricted.

Contact us if you believe a charge is incorrect or want to request a refund. Requests are reviewed individually; cancellation alone does not issue a refund. Any refund or cancellation rights required by applicable law remain available.

5. Optional providers and payments

Hosting, email and subscription billing use service providers. Optional bank connections, invoice email, merchant payment collection and receipt scanning require separate provider configuration and authorization. Their availability depends on the provider, supported institutions, currencies, access approvals and your configuration.

Stripe processes subscription and merchant payments. Your company’s merchant account, payment disputes, fees and payouts remain subject to its agreement with Stripe. Bank connections use Plaid, email delivery uses Resend, and optional receipt extraction uses AWS Textract. These providers have their own terms and privacy notices. Enabling a feature authorizes the information transfers needed to perform it.

You must be authorized to connect each external account and send each message or payment request. PadgeBooks does not guarantee that an email reaches an inbox, that a bank refreshes data immediately, or that a payment is settled merely because a checkout page was opened.

6. Acceptable use

Do not use PadgeBooks to commit fraud, send unlawful or abusive messages, infringe someone’s rights, distribute malicious content, gain access to another company’s records, evade access controls or disrupt the service. Do not test another person’s account or the hosted service’s security without authorization.

We may restrict access where needed to address misuse, security incidents, legal requirements or unpaid service access. Contact us about a restriction or to request access to records you are authorized to receive.

7. Privacy and access to information

The Privacy Notice describes the information processed for accounts and company workspaces, provider transfers, security, browser storage, retention and requests about personal information. Company owners are responsible for their decisions about the information entered into a workspace and the people invited to it.

8. Cancellation, deletion and retained records

Subscription cancellation, company deletion and account deletion are separate actions. A company owner can request deletion after confirming identity and the company name. A company deletion request cancels its subscription and starts a 90-day read-only period for export. After that period, its live workspace becomes eligible for the operator’s deletion process.

Account deletion ends sign-in and access. An owner must first request deletion of the companies they own. Account details associated with retained companies are removed through the deletion process after those company memberships are gone. Minimal billing, agreement, audit, security and legal records may remain where needed for reconciliation, resolving disputes or legal obligations.

Historical backup copies are separate from the live workspace and remain until backup rotation or removal. Contact us about a deletion request or a record that must be retained or removed. Export your own required records before requesting deletion; ending a subscription alone does not schedule company deletion.

9. Availability and changes

We may update the software and perform maintenance. The service is provided as available, and interruptions, provider failures and errors can occur. We do not promise uninterrupted operation, error-free calculations, a particular response time or suitability for every recordkeeping requirement. Keep your own recovery copies and verify important accounting results.

10. Responsibilities and legal rights

To the extent permitted by law, the service is provided without implied warranties of merchantability, fitness for a particular purpose or non-infringement. Neither party is responsible to the other for indirect or consequential losses to the extent such an exclusion is permitted by law.

These Terms do not exclude liability for fraud, willful misconduct or any liability or consumer right that cannot lawfully be excluded. Each party remains responsible for its obligations under applicable law.

11. Questions and disputes

Contact us first about a service or billing dispute so we can try to resolve it. These Terms are governed by the laws of Ohio and applicable United States law, except where mandatory laws give you additional protections. These Terms do not require arbitration or waive rights that cannot be waived.

12. Updates to these Terms

We publish the effective date and version with these Terms. When changes require notice or renewed acceptance, we will provide it through the service or your account email. Agreement records identify the version accepted. Changes do not retroactively alter charges already incurred or remove mandatory legal rights.

Contact

For support, billing questions or privacy requests, contact William Padgett, operating as PadgeBooks, at padgbooks1@gmail.com. The operator is based in Cincinnati, Ohio, United States.