Terms of Service

Effective date and last updated: October 10, 2026

These Terms of Service (“Terms”) are a binding agreement between you and Ethan McIntyre (“Parline”, “we”, “us”), the operator of the Parline bookkeeping application and the website at parline.app (together, the “Service”).

1. Agreement and acceptance

You accept these Terms and our Privacy Policy, which is incorporated by reference, by signing in to Parline under the notice on the sign-in page, and by creating an account, accessing, or using the Service. We record which version of the Terms you accepted, and when. If you do not agree, do not use the Service. If you use the Service on behalf of an organization, you represent that you have authority to bind it, and “you” includes that organization.

2. Eligibility and accounts

• You must be at least 18 years old and able to form a binding contract.
• Accounts are created and authenticated through Google sign-in. You are responsible for keeping your Google account secure and for all activity under your Parline account. Notify us promptly at support@parline.app if you believe your account has been accessed without authorization.
• One natural person per account. Do not share credentials.
• The information you give us, including what Google shares with us, must be accurate and kept up to date.
• You are responsible for anyone you invite to a set of books (“Books”) and for the roles and permissions you grant them.

3. The Service

Parline is a double-entry bookkeeping tool. It lets you record transactions, maintain a chart of accounts and a general ledger, apply tags, build budgets, and generate financial statements and exports. Some features are available only on a paid plan (see Section 8).

Parline is software, not a service performed by an accountant, bookkeeper, tax preparer, auditor, or financial adviser, and it is not accounting, tax, legal, or financial advice. We do not review your books, prepare or file your taxes, or give advice of any of those kinds. Financial statements produced by the Service are unaudited and are only as accurate as the data you enter. You are solely responsible for the accuracy and completeness of your records, for any statement you give to a lender, tax authority, investor, or anyone else, and for compliance with all accounting standards, tax rules, and other laws that apply to you. Consult your own professional adviser.

The lessons, glossary, guided tours, and other educational content in the Service (for example under /learn) are general information to help you understand bookkeeping. They are not advice about your situation.

4. Books, members, and advisors

• Owner. Every set of Books has one owner: the person who created it, or the person it was transferred to. The owner controls the Books and who has access to them, and can delete them. Deleting Books deletes everything in them for every member.
• Members and roles. The owner and admins can invite people by email as viewers, editors, or admins. What a member can do depends on the role. Members can see each other’s name, email address, and profile picture, the contents of the Books as far as their role allows, the Change History (which records who changed what, by email address), and who is currently editing. See the Privacy Policy for detail.
• Advisors. An owner or admin can share Books with an accountant or bookkeeper by email. An advisor is a member with the role you choose, and can see what that role allows. You are responsible for choosing who you share with.
• Contributions belong to the Books. Transactions, accounts, tags, budgets, and other content a member adds to Books belong to those Books and to their owner, not to the member who added them. The member keeps the rights they had in the content itself (Section 5).
• Leaving or removal. A member can leave Books at any time, and an owner or admin can remove a member. The person loses access, but what they added stays in the Books, and the Change History keeps the email address recorded at the time as part of the Books’ audit trail, even if that person later deletes their account. The owner cannot leave without first transferring ownership or deleting the Books.

5. Your content

“Your Data” means everything you or your invited members submit to the Service: account and profile information, the contents of your Books (accounts, transactions, amounts, descriptions, dates, tags, budgets), uploaded images such as profile pictures, logos or banners, support messages, and similar content.

• You own Your Data. We do not claim ownership of it.
• You grant Parline a worldwide, non-exclusive, royalty-free license to host, store, copy, transmit, display, and process Your Data solely to operate, secure, support, and improve the Service, and as described in the Privacy Policy. We do not use Your Data to train AI models. This license ends when Your Data is deleted from our systems, except for residual copies in routine backups and copies we must keep to comply with law.
• You are responsible for having the rights necessary to submit Your Data, including any avatar, logo, or banner image you upload, and for ensuring that doing so does not violate any law or third-party right. Uploaded pictures and banners are served from public addresses, so do not upload anything you want to keep private.
• You are responsible for maintaining your own copies. The Service provides export features; use them. We are not a backup service.

6. AI features and third-party AI tools

The Service includes “AI Import”, “AI Reconciliation” and “AI Health Check” features. Parline does not send Your Data to any artificial-intelligence or large-language-model provider, and the Service has no facility for uploading a bank or card statement to us. The feature builds a block of text - a prompt - in your browser from your own chart of accounts, for you to copy. If you choose to paste that prompt, together with a statement, receipts, or other information, into a third-party AI tool, that is entirely your decision and is governed by your agreement with that tool’s provider, not by these Terms. You are responsible for what you paste, where you paste it, and for reviewing the result before it is posted to your Books. The AI Reconciliation and AI Health Check features work the same way: Parline runs its own checks, builds a prompt from your Books, and sends nothing to an AI provider. They only read your Books and never change a transaction.

The AI Health Check, and any other AI output, is not an audit, review, compilation, attestation, or other assurance service, and it is not accounting, tax, legal, or financial advice. It may be inaccurate or incomplete, and the AI tool sees only the information in the prompt, not outside evidence. Neither you nor anyone you show it to (for example a lender) may rely on it as a substitute for a qualified professional.

7. Acceptable use

You agree not to, and not to permit anyone to:

• use the Service in violation of any law, or to record, conceal, or facilitate fraudulent, deceptive, or illegal activity;
• upload malware, or content that infringes anyone’s intellectual-property or other rights;
• attempt to gain unauthorized access to the Service, other users’ data, or our systems;
• probe, scan, or test the vulnerability of the Service, or bypass its security or access controls, except through responsible disclosure as described below;
• interfere with or disrupt the Service, circumvent rate limits or usage restrictions, or place an unreasonable load on our infrastructure;
• resell, sublicense, or provide the Service to third parties as a service bureau, except by inviting members to your own Books;
• reverse engineer or decompile the Service, except to the extent that restriction is prohibited by applicable law;
• scrape the Service or use it to build a competing product; or
• remove or obscure any proprietary notices.

Responsible disclosure. If you find a security problem, tell us at support@parline.app (see also our security.txt) and give us reasonable time to fix it before you disclose it. Do not access, change, or keep other people’s data, and do not degrade the Service, while you test.

We may suspend or limit access if we reasonably believe your use threatens the security, integrity, or availability of the Service or violates these Terms.

8. Subscriptions and automatic renewal

Pro plan. Pro is a paid subscription. The current price is $15 per month, shown in the app and at checkout, and what it unlocks is shown there too. The set of Pro features may change.

Payment processor. Payments are processed by Stripe. By subscribing you also agree to Stripe’s terms. We do not receive or store your card number; Stripe does. We store a customer identifier, subscription status, plan, and billing-period dates.

Billing cycle and renewal. Pro subscriptions are billed in advance each month and renew automatically until cancelled. By subscribing you authorize us and Stripe to charge your payment method at the start of each period.

Cancellation. You may cancel at any time, yourself, from Account > Billing > “Manage billing” - there is no phone call, no retention offer, and nothing to email us about. Cancelling stops the next charge. Cancellation takes effect at the end of the period you have already paid for, and you keep Pro until then.

Refunds. We do not give refunds. Fees already paid are non-refundable, and we do not refund or credit partial periods, unused time, or features you did not use - including where you cancel or delete your account partway through a period. Pro is a low monthly price with a free tier underneath it that keeps working, so the remedy for changing your mind is to cancel, which you can do in a few seconds at any time and which always stops the next charge. This paragraph does not displace any refund right the law of your state gives you and does not let us waive.

Failed payments. If a charge fails, Stripe will retry for a period. If payment is not resolved, your account returns to the free plan and Pro features are locked. Your Books and everything in them are untouched - the free plan keeps working. If your Books then hold more transactions than the free plan allows (Section 9), you can still view, edit, delete, and export everything, but you cannot add new transactions until you upgrade again or are back under the limit.

Price changes. We may change plan prices. We will give at least 30 days’ notice by email before a change takes effect for you, and the new price applies at your next renewal after the notice period. If you do not agree, cancel before the change takes effect.

Taxes. Prices are exclusive of taxes. You are responsible for any sales, use, VAT, GST, or similar taxes, except taxes on our net income.

Comped access. We may grant Pro features to specific accounts at our discretion (for example, for testing or support). Comped access can be changed or withdrawn at any time.

9. Free plan, limits, changes, and beta features

The free plan includes the core bookkeeping features at no charge, within these limits:

• Transactions. A free account can hold up to 2,000 transactions in total, counted across all of the Books the account owns. Every transaction counts, including future-dated and scheduled ones and ones imported from a statement or a workbook. Pro has no transaction limit for normal use; to keep the Service reliable for everyone, a Pro account is subject to a fair-use ceiling of 250,000 transactions, which we will raise on request if you genuinely need more.
• Lines. On every plan, one transaction can have up to 100 lines.
• At the limit. Only adding is limited. You can always view, edit, and delete your transactions and export your data. When a free account is at its limit, new transactions (including repeating, imported, and uploaded ones) are blocked until you upgrade to Pro or delete enough transactions to be back under the limit. The same applies if a Pro subscription ends while your Books hold more than the free limit: nothing is deleted, and you can add again once you upgrade or are back under the limit.
• Shared Books. A Book follows the plan of the account that owns it, so members of a Book hit the owner’s limit and should ask the owner to upgrade.
• Your data stays yours. A CSV export of your transactions and accounts is available on every plan, including when you are over the limit.

We may change, add, or remove features, including what is included in the free plan and in Pro and the limits above, and we will give notice of a change that removes a feature you rely on or lowers a limit (see Section 19). Some features may be labeled beta or preview. They may be incomplete, change, or be withdrawn without notice, and you use them at your own risk.

10. Third-party services

The Service depends on third-party providers, including Google (sign-in), Stripe (payments), Supabase (database, authentication, and file storage), Vercel (hosting), and Resend (email delivery). Your use of the Service is also subject to those providers’ terms where applicable. We are not responsible for third-party services, and their availability or changes may affect the Service.

11. Intellectual property

The Service, including its software, design, text, and branding, is owned by Parline and its licensors and is protected by intellectual-property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Service for your own bookkeeping. No other rights are granted.

Feedback. If you send us suggestions or feedback, you grant us a perpetual, irrevocable, royalty-free license to use it without restriction or obligation to you.

12. Electronic communications

You agree to receive notices, receipts, disclosures, and other communications from us electronically, by email to the address on your account or by posting in the app, and that these satisfy any legal requirement that such communications be in writing. This consent covers the electronic records and signatures used to accept these Terms. You can withdraw consent by ending your use of the Service and deleting your account. Keep your email address current, and tell us if you need a paper copy of anything. Marketing email is separate and only if you opt in.

13. Copyright complaints (DMCA)

We respect copyright. If you believe content on the Service infringes your copyright, send a notice to our designated agent, containing:

• your physical or electronic signature;
• a description of the copyrighted work you claim is infringed;
• a description of where the material is on the Service, with enough detail for us to find it;
• your name, address, telephone number, and email address;
• a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law; and
• a statement, under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or authorized to act for the owner.

Designated agent: Ethan McIntyre, 829 Tappan Ave, Ann Arbor, MI 48104, United States, support@parline.app.

Counter-notice. If we remove material and you believe it was removed by mistake or misidentification, you may send us a counter-notice with your signature, a description of the material and where it appeared, a statement under penalty of perjury that you have a good-faith belief it was removed by mistake or misidentification, your name, address, and phone number, and a statement that you consent to the jurisdiction of the federal court for your address (or, if outside the United States, the Eastern District of Michigan) and will accept service from the person who sent the original notice. If the complainant does not tell us within 10 business days that it has filed a court action, we may restore the material.

Repeat infringers. We will terminate the accounts of users who are repeat infringers, in appropriate circumstances. Knowingly sending a false notice or counter-notice can make you liable for damages.

14. Termination and suspension

These Terms apply while you have an account or use the Service.

• By you. You may stop using the Service at any time, and delete your account yourself from your account page. Deletion is immediate and permanent: your profile, the Books you own and everything in them, and your access to Books shared with you all go, and any subscription is cancelled. (If you own Books that other people can see, you must first transfer ownership or remove the other members.) What you added to other people’s Books stays in those Books (Section 4). Export anything you want to keep before you do it - afterwards there is nothing left for us to recover, for you or for anyone else.
• By us. We may suspend or terminate your access if you materially breach these Terms, if required by law, or if your use poses a security or legal risk. Where practical we will give you notice first and a chance to fix the problem, but we may act immediately where we reasonably think that is necessary. We may also discontinue the Service, or any part of it, on reasonable notice.
• Effect of termination. Pro features stop. If we suspend or terminate your access without you having deleted the account, email support@parline.app and we will give you a reasonable opportunity to export Your Data before removing it, unless the law or the reason for the termination prevents that. If you deleted the account yourself, it is already gone.
• Survival. Sections that by their nature should survive (including Sections 3, 4, 5, 11, 13, and 15 to 20) survive termination.

15. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY CALCULATION, REPORT, STATEMENT, OR EXPORT WILL BE ACCURATE OR SUITABLE FOR YOUR PURPOSES, INCLUDING TAX FILING, REGULATORY REPORTING, LENDING, OR AUDIT. YOU ARE RESPONSIBLE FOR VERIFYING YOUR BOOKS AND FIGURES.

Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you.

16. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• PARLINE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, LOSS OF GOODWILL, TAX PENALTIES, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY.
• PARLINE’S TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) US$100.

These limits apply regardless of the theory of liability and even if a limited remedy fails of its essential purpose. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

17. Indemnification

You will defend, indemnify, and hold harmless Parline and its owners, employees, and contractors from and against any third-party claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to (a) Your Data, (b) your use of the Service, (c) your violation of these Terms or of any law or third-party right, or (d) a dispute between you and someone you invited to your Books.

18. Governing law and disputes

These Terms are governed by the laws of Michigan, United States, without regard to its conflict-of-laws rules, and excluding the U.N. Convention on Contracts for the International Sale of Goods.

Informal resolution first. Before filing any claim, you agree to contact us at support@parline.app and try in good faith to resolve the dispute for at least 30 days.

Venue. Subject to the above, you and Parline agree to the exclusive jurisdiction of the state and federal courts located in Washtenaw County (Ann Arbor), Michigan, United States for any dispute not otherwise resolved. There is no binding-arbitration clause or class-action waiver in these Terms.

19. Changes to these Terms

We may update these Terms. If a change is material, we will give notice by email or in the app, where practical at least 30 days before it takes effect. Other changes are effective on the effective date shown at the top. Your continued use of the Service after a change takes effect means you accept the revised Terms. If you do not agree, stop using the Service and delete your account.

20. General terms

• Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and Parline about the Service and supersede any prior agreement on that subject.
• Severability. If any provision is held unenforceable, the rest remains in effect and the unenforceable provision is modified to the minimum extent needed.
• No waiver. Our failure to enforce a provision is not a waiver.
• Assignment. You may not assign these Terms without our consent. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets.
• Force majeure. Neither party is liable for delays or failures caused by events beyond its reasonable control, including outages of our hosting, database, payment, or email providers.
• Notices. We may give notice by email to the address on your account or by posting in the app. You may reach us at support@parline.app.
• Relationship. The parties are independent contractors. These Terms create no partnership, agency, or employment relationship.
• Consumer rights. Nothing in these Terms limits any non-waivable statutory rights you have as a consumer under the laws of your state, country, or region.

21. California consumers

Under California Civil Code section 1789.3, California users are entitled to the following notice: the Service is provided by Ethan McIntyre, 829 Tappan Ave, Ann Arbor, MI 48104, United States. If you have a complaint that is not resolved, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

22. Contact

Ethan McIntyre
829 Tappan Ave, Ann Arbor, MI 48104, United States
support@parline.app