Terms of Service

Last updated: September 28, 2025

Welcome to AccLyf Bookkeeping (“AccLyf,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern (A) your use of our website and materials, and (B) our provision of bookkeeping and related services. By accessing our website or engaging our services, you agree to these Terms.

Questions? clientservices@acclyf.com

Part A — Website Terms of Use

1) Who we are

AccLyf provides information about bookkeeping, advisory, and related services. Content is for general informational purposes and may change without notice.

2) Acceptable use

You agree not to misuse the site, attempt to gain unauthorized access, introduce malware, scrape content, or use the site for unlawful purposes.

3) Intellectual property

All website content (text, graphics, logos, layouts, and downloads) is owned by or licensed to AccLyf and protected by intellectual property laws. You may not copy, modify, or redistribute except for personal, non‑commercial viewing.

4) Third‑party links & tools

Our site may link to third‑party services (e.g., payment processors, scheduling tools). We are not responsible for their content, policies, or availability. Your use of third‑party services is governed by their terms.

5) No professional advice (website)

Website information does not constitute legal, tax, investment, or accounting advice. Decisions should be made with qualified professional guidance and based on an engagement with us.

6) Disclaimers & limitation of liability (website)

The website is provided “as is” and “as available” without warranties. To the maximum extent permitted by law, AccLyf will not be liable for any indirect, incidental, special, or consequential damages arising from website use.

7) Privacy

Your use of the site is also governed by our Privacy Policy.

Part B — Services Terms (Bookkeeping & Advisory)

If you hire us through Upwork, Upwork’s Terms (including escrow, payment, and dispute rules) control for those platform‑specific items; these Terms apply to the services themselves.

1) Scope of services

We provide bookkeeping and related services as described in your proposal, Statement of Work (SOW), or project listing, which may include:

• Transaction categorization & reconciliations
• Cleanup/catch‑up bookkeeping
• Period-end and year-end closes, adjusting entries, and management reports
• Payroll posting (processing only if explicitly included)
• Sales tax posting (filing only if explicitly included)
• Reports: Profit & Loss, Balance Sheet, and Cash Flow Statements
• Advisory sessions and review meetings

Not included unless expressly stated: tax return preparation or filing; audit, review, or compilation services; legal or investment advice; assurance opinions; attestation services.

2) Client responsibilities

You agree to:

• Provide timely, complete, and accurate information (bank/credit card statements, receipts, invoices, payroll reports, POS/e‑commerce exports, etc.).
• Grant and maintain required access/integrations (e.g., bank feeds, QuickBooks/Zoho Books, Stripe, Zoho Payments, QuickBooks Payments, e‑commerce platforms).
• Notify us promptly of changes that affect the work (new accounts, entity changes, major transactions).
• Review deliverables and advise of issues within 7 days of delivery.

We rely on the information you provide; we are not responsible for delays, inaccuracies, penalties, or additional fees arising from incomplete or inaccurate client data or delayed access.

3) Platforms & tools

We may use third‑party platforms (e.g., QuickBooks, Zoho, secure file portals, e‑signature, payment processors). You authorize us to use these tools to perform services. Each provider’s terms and security practices apply to your use of their services.

4) Fees, billing & payments

• Pricing: As stated in your proposal/SOW or project listing (fixed fee, hourly, or tiered).
• Invoices & due dates: Unless otherwise stated, invoices are due upon receipt and late after 10 days.
• Late fees: 1% per month (or the maximum permitted by law) on overdue balances.
• Retainers: We may require a retainer/deposit credited toward future work.
• Payment methods: Stripe, Zoho Payments, QuickBooks Payments, or Upwork (for Upwork engagements).
• Chargebacks: Initiating a chargeback without first notifying us and allowing a 10 business day cure period is a material breach. You’re responsible for chargeback fees if the dispute is resolved in our favor.

5) Cancellations, rescheduling & refunds

• Consultations: You may reschedule with 24 hours notice. Missed or late cancellations may be charged excluding initial free consultations.
• Ongoing services: Month‑to‑month services may be canceled with 14 business days written notice. Work performed up to the termination date and non‑recoverable costs are billable.
• Refunds: Fees for completed milestones, delivered reports, or elapsed time are non‑refundable. For fixed‑fee projects canceled mid‑stream, we’ll prorate based on work completed.

6) Deliverables & acceptance

We provide deliverables (e.g., reconciliations, journal entries, reports) per your SOW. Unless you notify us of a material issue within 7 days, deliverables are deemed accepted for billing. Corrections due to our documented errors will be made at no charge.

7) Professional standards & independence

We follow generally accepted bookkeeping practices. We do not perform audits, reviews, or compilations and do not provide assurance on financial statements unless explicitly contracted. Financial statements and reports are intended for management use unless otherwise agreed.

8) Compliance & deadlines

We’ll work diligently toward agreed timelines, but your timely cooperation is essential. We are not responsible for missed tax or filing deadlines caused by late or incomplete information or scope changes. If we agree to assist with filings, such commitments must be stated in writing in your SOW.

9) Confidentiality & data security

We will keep your non‑public information confidential and use it only to provide services, except as required by law or with your consent. We implement reasonable safeguards. You are responsible for safeguarding your own credentials and access.

10) Records management

• We may retain working papers and engagement records for 7 years, after which they may be destroyed.
• You are the owner of your original source documents and accounting file(s). Upon request and account settlement, we will provide copies of your records in a reasonable timeframe.
• We may keep archival copies as required for compliance and defense of our work.

11) Change requests & out‑of‑scope work

Work outside the agreed scope (e.g., historical cleanup, forensics, inventory rebuilds, system migrations, amended filings) will be quoted separately or billed at $40/hour with your approval.

12) Non‑solicitation

You agree not to solicit or hire our employees or contractors for 12 months after the engagement ends, except with our written consent.

13) Disclaimers (services)

Except as expressly stated, services and deliverables are provided “as is.” We make no warranties of merchantability or fitness for a particular purpose. Third‑party service availability and accuracy are outside our control.

14) Limitation of liability

To the maximum extent permitted by law, AccLyf’s total liability for any claims arising from the services will not exceed the total fees paid by you to AccLyf in the three (3) months preceding the event giving rise to the claim. We are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, loss of data, or business interruption.

15) Indemnification

You agree to indemnify and hold AccLyf harmless from claims, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising from (a) your breach of these Terms; (b) your misuse of the services; or (c) reliance on inaccurate or incomplete information you supplied.

16) Governing law; disputes (Default: court‑only)

These Terms are governed by the laws of the State of Illinois, without regard to conflicts of laws principles.

• Good‑faith resolution: The parties will first attempt to resolve disputes in good faith within 15 days.
• Venue: Any permitted court action will be brought exclusively in the state or federal courts located in Cook County, Illinois. Each party consents to that jurisdiction and venue.
• Upwork engagements: Payment/dispute matters follow Upwork’s rules; this section applies to non‑Upwork aspects.

Unresolved disputes (after a 15‑day good‑faith resolution period) shall be submitted to binding arbitration before one arbitrator in Cook County, Illinois under the rules of AAA (or JAMS) then in effect. Small‑claims court remains available for eligible claims. The arbitrator may award individual relief only; no class or representative actions. Each party pays its own attorneys’ fees; administrative fees are allocated by the rules or the arbitrator. Judgment on the award may be entered in any court of competent jurisdiction.

17) Force majeure

Neither party is liable for delays or failures due to causes beyond reasonable control (e.g., natural disasters, labor disputes, internet outages, third‑party platform failures), provided the affected party gives prompt notice.

18) Communications & e‑signatures

You consent to receive documents electronically and to transact via e‑signature or click‑accept. Notices may be sent to your last provided email. Keep your contact information current.

19) Changes to these Terms

We may update these Terms from time to time. Material changes will be indicated by updating the “Last updated” date above. Continued use of the website or services after changes means you accept the updated Terms.

20) Miscellaneous

• Severability: If any provision is unenforceable, the rest remain in effect.
• No waiver: Failure to enforce a provision is not a waiver.
• Assignment: You may not assign your rights without our consent. We may assign as part of a reorganization or sale.
• Entire agreement: These Terms plus your proposal/SOW or project listing constitute the entire agreement.

Contact

AccLyf, LLC
Email: clientservices@acclyf.com

Phone: +1 (224) 652-9015

(We operate from a home‑based office; please contact us by email or phone.)