End-User License Agreement & Terms of Service

1. LICENSE GRANT & SCOPE OF USE

Subject to your continuous compliance with this Agreement and payment of applicable fees, LUCA grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business operations. You may not reverse-engineer, decompile, resell, white-label (unless explicitly permitted under a separate enterprise agreement), or scrape data from the Service.

2. DATA OWNERSHIP & PRIVACY

You retain all ownership rights to the financial, customer, and operational data you upload or connect to the Service ("User Data"). By using the Service, you grant LUCA a worldwide, royalty-free license to host, process, and display User Data solely to provide, maintain, and improve the Service. Handling of your User Data is governed strictly by our Privacy Policy.

3. AI-ASSISTED FEATURES (NOVA AI)

The Service utilizes artificial intelligence ("Nova AI") to categorize transactions, generate financial forecasts, and provide insights.

• No Professional Advice: You acknowledge that Nova AI and LUCA LLC are not certified public accountants (CPAs), tax attorneys, or financial advisors.
• User Responsibility: All AI-generated outputs, tax liability calculations, and categorization suggestions are for informational purposes only. You are solely responsible for verifying the accuracy of all accounting records, tax filings, and financial statements before submission to any tax authority or financial institution.

4. THIRD-PARTY INTEGRATIONS

The Service integrates with third-party providers including, but not limited to, Intuit (QuickBooks), Plaid, Gusto, and Stripe.

• LUCA is not responsible for the uptime, accuracy, or data handling practices of these third-party platforms.
• Disconnection or deprecation of third-party APIs by their respective owners does not constitute a breach of this Agreement by LUCA.

5. SUBSCRIPTION, BILLING, & PAYMENTS

Access to the Service requires a valid subscription. All fees are non-refundable unless legally required. We process payments via Stripe. If a payment method fails, LUCA reserves the right to suspend your access to the Service until the balance is paid.

6. DISCLAIMER OF WARRANTIES

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. LUCA LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. LUCA DOES NOT WARRANT THAT THE SERVICE WILL BE ERROR-FREE, UNINTERRUPTED, OR COMPLETELY SECURE.

7. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL LUCA LLC BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING LOST PROFITS, LOST REVENUE, OR AUDIT PENALTIES) ARISING OUT OF YOUR USE OF THE SERVICE. LUCA'S TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE TOTAL AMOUNT PAID BY YOU TO LUCA FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

8. GOVERNING LAW & DISPUTE RESOLUTION

This Agreement shall be governed by and construed in accordance with the laws of the State of Nebraska, without regard to its conflict of law principles. Any disputes arising out of this Agreement shall be resolved through binding arbitration in Nebraska.