Effective date: August 17, 2026
These terms explain what CPAReady does, what it does not do, and the rules that apply when you use it. Section 2 and section 3 are especially important because they describe the limits of the Service and your responsibility to verify every figure before you or your tax professional rely on it.
These Terms of Service form a binding agreement between you and CPAReady ("CPAReady", "we", "us", or "our") and govern your access to and use of the CPAReady website, applications, and related services (together, the "Service").
By creating an account, accessing the Service, or clicking to accept these terms, you agree to be bound by them. If you do not agree, do not use the Service. If you use the Service on behalf of a company or other organization, you represent that you have authority to bind that organization, and "you" refers to that organization.
CPAReady is a software tool for organizing, extracting, categorizing, reconciling, and reporting on financial and tax documents that you upload or enter. It helps you assemble an organized package to give to your tax professional.
CPAReady is not a certified public accounting firm, an accounting firm, a bookkeeping firm, a tax preparation service, a law firm, an investment adviser, or a financial planner. We do not prepare, review, sign, or file tax returns, and we do not represent you before any taxing authority.
We do not provide tax, legal, accounting, audit, investment, or other professional advice. Nothing in the Service, including any figure, summary, checklist, category, suggestion, or report, is professional advice or an opinion on your tax position. No CPA-client, accountant-client, attorney-client, or fiduciary relationship is created by your use of the Service.
You are solely responsible for reviewing every output of the Service for accuracy and completeness, for the positions taken on your tax returns, for the correctness of your books and records, and for meeting all filing and payment deadlines. You should engage a qualified tax professional before filing anything.
The Service uses automated methods, including machine learning and large language models operated by third-party providers, to read documents, extract fields, propose categories, detect transfers, and produce summaries. Automated processing is inherently imperfect and may produce results that are incomplete, mislabeled, or wrong, including on documents that are unusual, low quality, or handwritten.
The Service includes confirmation steps. Extracted fields, categories, reconciliations, and attributions are proposals until you review and confirm them. You agree that you will verify all data before relying on it, sharing it, or using it in any filing, and that CPAReady is not responsible for consequences arising from unverified or incorrectly verified data.
Reconciliation checks, completeness checklists, and readiness indicators are aids, not guarantees that your records are complete or correct.
We may investigate suspected violations and may suspend or terminate access to the Service, immediately and without refund where the violation is material or unlawful. We may also suspend the Service where required by law or to protect the security of the Service or other users.
You agree not to do any of the following:
Plans, features, and prices are described on our pricing page and may change from time to time. Paid plans are sold as subscriptions billed in advance for the term shown at purchase.
Unless stated otherwise at purchase, subscriptions renew automatically at the then current price for the same term until cancelled. You can cancel before the start of the next term, and cancellation takes effect at the end of the current paid term.
Except where a refund is required by applicable law, fees are non-refundable and there are no refunds or credits for partial periods, unused features, or downgrades. Fees exclude taxes, which you are responsible for except for taxes on our net income.
If billing is not yet enabled for your account, no fees are charged, and this section applies once a paid plan begins.
You retain all ownership of the documents, records, and information you upload or enter ("Your Content"). We claim no ownership over Your Content.
You grant us a limited, worldwide, non-exclusive, royalty-free license to host, store, copy, transmit, display, process, and create derived data from Your Content solely to operate, secure, support, and improve the Service for you and for the people you authorize. This license ends when Your Content is deleted, except for backups retained for a limited period as described in our Privacy Policy.
We do not use Your Content to train artificial intelligence models, and we require our AI processing providers to be contractually barred from doing so.
We own the Service, including its software, design, text, and trademarks. We grant you a limited, revocable, non-transferable right to use the Service under these terms. You may not copy, modify, or create derivative works of the Service.
If you send us feedback or suggestions, we may use them without obligation to you.
The Service depends on third parties, including cloud hosting and database providers, artificial intelligence processing providers, storage providers, and email delivery providers. These providers process data on our behalf under confidentiality and security obligations.
We are not responsible for the acts, omissions, availability, or content of third parties, and third-party outages may affect the Service. Any service you connect or any professional you invite acts under your direction.
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR FREE, THAT DATA EXTRACTED OR CATEGORIZED WILL BE ACCURATE OR COMPLETE, OR THAT OUTPUTS WILL SATISFY ANY TAX AUTHORITY, LENDER, AUDITOR, OR OTHER THIRD PARTY. SOME JURISDICTIONS DO NOT ALLOW CERTAIN DISCLAIMERS, SO PARTS OF THIS SECTION MAY NOT APPLY TO YOU.
TO THE FULLEST EXTENT PERMITTED BY LAW, CPAREADY AND ITS OFFICERS, EMPLOYEES, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, LOST GOODWILL, PENALTIES, INTEREST, ADDITIONAL TAX ASSESSED, OR PROFESSIONAL FEES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF THE AMOUNT OF FEES YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED UNITED STATES DOLLARS.
These limits apply to all theories of liability, whether contract, tort, statute, or otherwise, and survive any failure of essential purpose of a limited remedy.
You will defend, indemnify, and hold harmless CPAReady and its officers, employees, and suppliers from and against any claims, damages, penalties, losses, and reasonable legal fees arising out of or relating to your use or misuse of the Service, Your Content, your violation of these terms or of any law, your grant of access to other people, and any reliance by you or by a third party on outputs you did not verify.
These terms apply while you use the Service. You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you breach these terms, if required by law, or if we discontinue the Service.
On termination, your license to use the Service ends. Provisions that by their nature should survive, including ownership, disclaimers, limitation of liability, indemnification, and dispute resolution, will survive.
Please read this section carefully. It affects your legal rights.
Except as stated below, you and CPAReady agree that any dispute, claim, or controversy arising out of or relating to the Service or these terms will be resolved by final and binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules or Commercial Arbitration Rules, as applicable. The arbitration will be seated in Maricopa County, Arizona, before one arbitrator, and judgment on the award may be entered in any court of competent jurisdiction.
Class action waiver: you and CPAReady agree that claims may be brought only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate claims or preside over any form of representative proceeding.
Small claims carve-out: either party may bring an individual claim in small claims court in Maricopa County, Arizona if it qualifies. Either party may also seek injunctive relief in court to protect intellectual property or account security.
Opt-out: you may opt out of arbitration and the class action waiver by emailing hello@cpa-ready.com with your name, account email, and a clear statement that you opt out, within 30 days of first accepting these terms. Opting out does not affect any other part of these terms.
Governing law: these terms and any dispute are governed by the laws of the State of Arizona, United States, without regard to conflict of law principles. Where arbitration does not apply, the exclusive venue is the state and federal courts located in Maricopa County, Arizona, and both parties consent to that jurisdiction.
We may update these terms. If a change is material, we will provide notice by email to the address on your account or by a notice in the Service at least 14 days before it takes effect, unless a shorter period is required for legal or security reasons. Your continued use after the effective date means you accept the updated terms. If you do not accept them, stop using the Service and cancel your subscription.
Questions about these terms can be sent to hello@cpa-ready.com.