Terms of Service

1. Who We Are and What You Are Agreeing To

James Analytics LLC (“James Analytics,” “we,” “us”) is a Colorado limited liability company based in Lone Tree, Colorado. These Terms of Service (“Terms”) are a contract between you and us. They cover the James Analytics website, the FP&A platform at app.jamesanalytics.com, our APIs, and related services (together, the “Service”).

By creating an account, starting a trial, or using the Service, you agree to these Terms and to our Privacy Policy. If you use the Service for a company, you confirm that you have authority to bind that company, and “you” means the company as well. The Service is built for businesses and is not intended for personal, family, or household use.

If you do not agree to these Terms, do not use the Service.

2. The Service

James Analytics is a financial planning and analysis (FP&A) platform for small and mid-sized businesses. It includes financial statements, dashboards, forecasting and scenario modeling, budgeting and variance analysis, report generation, file uploads, accounting integrations (such as QuickBooks Online, Xero, and Puzzle), and AI-assisted analysis (“Ask James”).

We improve the Service over time. We may add, change, or remove features. If we remove a feature that is material to a paid plan, we will tell you in advance when we reasonably can.

3. Accounts and Security

You need an account to use the platform. You agree to give us accurate information and keep it current, keep your login credentials private, and tell us right away at support@jamesanalytics.com if you think your account has been accessed without permission. You are responsible for what happens under your account.

We recommend turning on two-factor authentication in Account Settings.

4. Free Trial

Every self-serve plan starts with a 14-day free trial. Here is how it works:

• A card is required to start. You add a payment card through Stripe Checkout when you start the trial. Nothing is charged during the trial.
• The trial lasts 14 days from the day you complete checkout. Your trial end date is shown in Settings > Billing.
• The trial converts to a paid subscription automatically. When the trial ends, we charge your card the price for the plan and billing period you chose at checkout (monthly or annual), unless you cancel before the trial ends. The exact amount and the first charge date are shown on the Stripe Checkout page before you agree, and again in Settings > Billing.
• We remind you before you are charged. We email the account owner three days before the trial ends. The email states the charge date, the plan, and how to cancel.
• Cancel during the trial and you pay nothing. Cancel in Settings > Billing or the Stripe billing portal at any time before the trial ends. Your workspace then becomes read-only (see Section 9).
• One trial per company. If a company has already used a trial or had a paid plan, new checkouts are billed immediately and that is shown at checkout.

5. Subscriptions, Billing, and Automatic Renewal

Plans and prices. Our current self-serve plans are Starter ($149 per month, or $1,428 per year), Growth ($299 per month, or $2,868 per year), and Scale ($599 per month, or $5,748 per year). Prices are in US dollars. The price shown on the Stripe Checkout page when you subscribe is the price that applies to you, even if this page or our pricing page is out of date. Enterprise plans are priced under a separate written agreement.

Your subscription renews automatically. Monthly plans renew every month and annual plans renew every year, on the same day of the period, at the then-current price for your plan. Each renewal is charged to the payment method on file. Renewal continues until you cancel. By subscribing, you authorize us and Stripe, our payment processor, to charge your payment method for each renewal.

Billing in advance. Fees are charged at the start of each billing period (monthly or annual). Your next charge date and amount are always visible in Settings > Billing and the Stripe billing portal.

Price changes. We may change plan prices. If we do, we will email the account owner at least 30 days before the new price takes effect. A price change never applies in the middle of a billing period you have already paid for; it applies at your next renewal after the notice period. If you do not want to pay the new price, cancel before that renewal and you will not be charged it.

Plan changes. You can upgrade or downgrade in Settings > Billing or the billing portal. Upgrades take effect right away; the billing portal shows any price difference before you confirm. Downgrades take effect at the next renewal.

Taxes. Prices do not include sales tax or similar taxes. If tax applies, it is shown at checkout and on your invoice.

Failed payments. If a renewal charge fails, we email you and Stripe retries the charge over the following days. Your workspace keeps working while we retry. If the charge still cannot be collected, the subscription is cancelled and your workspace becomes read-only (see Section 9). You can update your card in Settings > Billing at any time.

6. Cancellation and Refunds

How to cancel. You can cancel online at any time, with no phone call and no waiting period, in either of two places: Settings > Billing inside the app, or the Stripe billing portal (linked from that page). Cancelling is as simple as signing up. If you have trouble, email support@jamesanalytics.com and we will cancel for you.

When it takes effect. If you cancel during a trial, the trial ends and you are not charged. If you cancel a paid plan, you keep full access until the end of the billing period you already paid for. No further charges are made. At the end of that period your workspace becomes read-only (see Section 9). You can resume the subscription in the billing portal any time before then.

Refunds. We do not refund fees for part of a billing period, including unused time on an annual plan, except where the law requires a refund. If you believe you were charged in error, email support@jamesanalytics.com within 30 days of the charge and we will look into it.

7. Annual Plans and Renewal Reminders

Annual plans are paid up front for twelve months and renew automatically for another twelve months unless you cancel. Before an annual plan renews, we email the account owner a reminder that states the renewal date, the amount that will be charged, and how to cancel. We send it at least 25 days before the renewal date. Monthly plans do not get a separate reminder each month, but your next charge date and amount are always shown in Settings > Billing.

Reminder emails go to the email address on the account owner's profile. Please keep it current.

8. Legacy Free Accounts

We no longer offer a free plan. If your company was on the former free plan, we email the account owner a notice at least 30 days before the change. Thirty days after that notice, the workspace becomes read-only (see Section 9). No charge is made unless you choose a paid plan. You can pick a plan at any time before or after the change; every plan starts with the 14-day trial described in Section 4.

9. Read-Only Workspaces, Data Export, Retention, and Deletion

Read-only means you keep your data. When a subscription is cancelled or lapses, or a legacy free account reaches its sunset date, the workspace becomes read-only. You keep your login. You can still view your dashboards, statements, and transactions, and you can export your data. Uploads, integration syncs, forecasts, budgeting, AI features, and other changes are paused until you choose a plan again.

Export. You can export your data at any time while your account is active or read-only, using the export features in the Service (CSV, Excel, PDF, or PowerPoint, depending on the report).

Retention. We keep read-only workspaces and their data so you can come back or export later. We do not delete your data just because you cancelled.

Deletion on request. You can ask us to delete your account and data at any time by emailing support@jamesanalytics.com from the account owner's email address. We delete the data from our production systems within 90 days of your request, unless the law requires us to keep some of it longer (for example, billing records). Copies may remain in encrypted backups for a short time after that until those backups age out. Once deleted, data cannot be recovered, so export anything you need first.

10. Your Data

You own it. You keep all rights to the data you upload, sync, enter, or generate through the Service (“Your Data”). We do not claim ownership of it.

What we may do with it. You give us permission to store, process, and display Your Data only to provide, secure, support, and improve the Service for you. We do not sell Your Data, and we do not use your financial data to train AI models. See our Privacy Policy for details.

Your responsibilities. You are responsible for the accuracy and legality of Your Data and for having the right to share it with us, including data pulled from accounting integrations.

11. AI Features

The Service uses artificial intelligence, including large language models, to produce summaries, insights, forecasts, scenarios, and answers to your questions (“AI Output”). Please read this section carefully.

• AI Output is for information only. It is not financial, tax, accounting, investment, or legal advice, and it is not a recommendation to buy, sell, or hold any security or to take any financial action.
• James Analytics is a software company, not an investment adviser, broker-dealer, accountant, or law firm. Although our founder holds financial-industry licenses, nothing in the Service is provided in that capacity, and using the Service does not create an advisory, fiduciary, or professional-client relationship.
• AI Output can be wrong, incomplete, or out of date. Check it against your source records before relying on it.
• You make your own decisions. Talk to a qualified accountant, tax professional, or attorney before acting on anything material.
• We do not promise that AI Output is accurate, complete, or suitable for any purpose, and we are not responsible for decisions you make based on it.

12. Acceptable Use

Use the Service lawfully and fairly. You agree not to:

• Use the Service for anything illegal, fraudulent, or deceptive
• Try to access other customers' accounts or data, or any part of our systems you are not authorized to use
• Interfere with the Service, probe or test its security without written permission, or get around rate limits, plan limits, or access controls
• Upload malware or other harmful code
• Reverse engineer, copy, or build a competing product from the Service
• Scrape or access the Service with bots or automated tools without our written consent
• Resell, sublicense, or share your account with people outside your company's seat allowance
• Upload content that infringes someone else's rights or that you do not have the right to share
• Use AI features to generate content that is unlawful, harassing, or intended to deceive

If we reasonably believe you are breaking these rules, we may suspend or close your account. Where practical, we will warn you first.

13. Third-Party Integrations

The Service connects to third-party platforms such as QuickBooks Online, Xero, and Puzzle. When you connect one, you authorize us to pull data from it on your behalf. Those platforms have their own terms and privacy policies, and we are not responsible for their availability, accuracy, or practices. You can disconnect an integration at any time in Settings > Integrations.

14. Security

We take security seriously and run internal controls aligned with the SOC 2 Trust Services Criteria. We have not yet been independently audited. Our current measures include:

• Encryption in transit (TLS) and at rest (AES-256) through our hosting and database providers
• Role-based access controls, company-level data isolation, and optional two-factor authentication
• Rate limiting and brute-force protection on sign-in and API endpoints
• Audit logging of security-relevant events
• Payment processing through Stripe; we never store your card number
• OAuth connections to accounting platforms; we never store your accounting passwords

No system is perfectly secure. We cannot guarantee that unauthorized access will never happen.

15. Our Intellectual Property

The Service, including its software, design, documentation, trademarks, and branding, belongs to James Analytics LLC and its licensors and is protected by intellectual property laws. We give you a limited, non-exclusive, non-transferable right to use the Service under these Terms. You may not copy, modify, sell, or lease any part of it. If you send us feedback or suggestions, we may use them without owing you anything.

16. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT THE LAW ALLOWS, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT PROMISE THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY CONTENT, INCLUDING AI OUTPUT, FINANCIAL STATEMENTS, OR FORECASTS, WILL BE ACCURATE OR COMPLETE.

17. Limitation of Liability

TO THE FULLEST EXTENT THE LAW ALLOWS, JAMES ANALYTICS AND ITS MEMBERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, EVEN IF WE WERE TOLD SUCH DAMAGES WERE POSSIBLE.

OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS IS LIMITED TO THE GREATER OF (A) THE FEES YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT THAT GAVE RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you. These limits do not apply to liability that cannot legally be limited.

18. Indemnification

You agree to defend and reimburse James Analytics and its members, officers, employees, and contractors for any third-party claims, losses, and reasonable legal fees that arise from Your Data, your use of the Service, or your breach of these Terms or the law.

19. Suspension and Termination

You can stop using the Service at any time by cancelling (Section 6) and, if you wish, requesting deletion (Section 9). We may suspend or end your access if you materially breach these Terms, if required by law, or if continuing would create a security or legal risk for us or other customers. Where practical, we will give you notice and a chance to fix the problem. If we end your access without cause, we will refund any prepaid fees for the unused part of your billing period. Sections 9 through 11 and 15 through 22 survive termination.

20. Governing Law and Where Disputes Are Heard

These Terms are governed by the laws of the State of Colorado, without regard to its conflict-of-law rules. Before filing a claim, you agree to email us at support@jamesanalytics.com and try in good faith to resolve the issue for at least 30 days. Any claim that is not resolved must be brought in the state or federal courts located in Douglas County, Colorado, and you and we each consent to those courts. Each of us agrees to bring claims only in our own name and not as a plaintiff or class member in any class or representative action, to the extent the law allows. Nothing in this section takes away rights you have under the consumer protection laws of the place where you live that cannot be waived by contract.

21. Changes to These Terms

We may update these Terms. If a change is material, we will email the account owner or show a notice in the app at least 30 days before it takes effect, and we will update the “Last updated” date at the top. If you keep using the Service after the change takes effect, the new Terms apply. If you do not agree, cancel before the effective date.

22. General

Entire agreement. These Terms and the Privacy Policy are the whole agreement between you and us about the Service, unless you have a separate signed Enterprise agreement, which controls where it conflicts.

Severability. If part of these Terms is unenforceable, the rest still applies.

No waiver. If we do not enforce something right away, we can still enforce it later.

Assignment. You may not transfer these Terms without our written consent. We may transfer them to a successor in a merger, acquisition, or sale of the business; we will tell you if we do.

Notices. We send notices to the account owner's email address. You can send notices to the address below.

23. Contact Us

Questions about these Terms, billing, cancellation, or your data? Email us and a person will answer.

James Analytics LLC
Lone Tree, Colorado
Email: support@jamesanalytics.com
Website: www.jamesanalytics.com