Terms of Use

Effective Date: January 7, 2026

These Terms of Use ("Terms") are between Bravo Zulu Consulting LLC, dba Bravo Zulu Intelligence ("Company," "we," "us") and you ("Customer," "you"). These Terms govern your access to and use of the BZHorizon platform, including its web, mobile, and API services (the "Service").

By accessing or using the Service, you agree to these Terms. If you are using the Service on behalf of an organization, you represent that you are authorized to bind that organization, and "you" includes the organization.

1. The Service

BZHorizon is an AI-powered financial intelligence platform that provides accounting workflows, bank reconciliation, reporting, invoicing, expense management, payroll integrations, and analytics, including AI-assisted insights and categorization.

The Service may integrate with third-party providers such as Plaid (bank data), Stripe (payments and billing), Finch (payroll data), and other services identified in the Service or documentation. Your use of third-party services is subject to their terms and policies.

2. Eligibility

You must be at least 18 years old and legally able to enter into contracts to use the Service.

3. Accounts, Access, and Security

You are responsible for:

  • Maintaining accurate account and organization information.
  • Keeping credentials secure and using MFA where available.
  • All activity under your account and all users you authorize.

Notify us promptly if you suspect unauthorized access.

4. Customer Data and Permissions

"Customer Data" means data you submit, upload, or process through the Service, including financial transactions, invoices, bills, customers, vendors, payroll data, and AI conversation content.

You represent and warrant that:

  • You have the necessary rights and permissions to provide Customer Data.
  • Your use does not violate privacy, confidentiality, or other third-party rights.

We do not claim ownership of Customer Data. You grant us a limited license to host, process, transmit, and display Customer Data solely to provide, maintain, secure, and support the Service. We may improve the Service using aggregated or de-identified data where practical.

We do not use Customer Data to train our AI models unless you explicitly opt in.

5. AI Features and Human Approval

The Service includes AI tools for categorization, insights, and recommendations. AI outputs:

  • May be incomplete or inaccurate.
  • Are not professional accounting, tax, legal, or financial advice.
  • Must be reviewed and approved by you where the Service requires approval.

You are solely responsible for decisions made based on AI outputs.

6. Plaid

If you connect a financial account through Plaid, you authorize us to receive data from Plaid and your financial institution. We store the Plaid access token and related identifiers to maintain your connection and sync data. We also store the account and transaction data you authorize us to access and use it to provide the Service. You may disconnect accounts at any time, which stops future syncing. We store access tokens encrypted at rest and restrict access to authorized systems.

7. Payments and Billing Integrations

If you use payment services (e.g., Stripe, PayPal, Venmo), payment processing is handled by those providers. We do not store full payment card numbers or bank account credentials. We store limited identifiers and metadata required to operate the Service (such as customer IDs, subscription IDs, payment intent IDs, refund IDs, and payment status).

8. Email and Public Links

The Service can send invoices and reports by email. If you generate a public invoice link, anyone with the link may access the document. Public links may remain accessible until you disable or replace the link (if the Service provides those controls). You are responsible for controlling distribution of public links.

9. Subscription, Fees, Cancellation, and Refunds

You authorize us (and our payment processor) to charge applicable fees and taxes. Subscription terms, pricing, and billing cycles are shown in your plan or order. Subscriptions auto-renew until canceled.

Fees; No Refunds. Except as required by law, all fees are non-refundable and we do not provide credits or prorated refunds for partial billing periods, unused time, or unused features. Cancellation takes effect at the end of the current billing period unless otherwise stated at purchase. We may offer free trials from time to time. If you do not cancel before a trial ends, your subscription will begin and your payment method will be charged.

10. Acceptable Use

You agree not to:

  • Use the Service for unlawful or fraudulent purposes.
  • Interfere with security or access controls.
  • Reverse engineer or circumvent technical limits.
  • Upload malicious code or attempt unauthorized access.

We may suspend or terminate accounts for violations or to protect the Service, users, or third parties.

11. Intellectual Property

The Service, including software, branding, and documentation, is owned by the Company and its licensors. You receive a limited, non-exclusive, non-transferable right to use the Service during your subscription.

12. Confidentiality

We will protect Customer Data as confidential information, subject to these Terms and the Privacy Policy. You agree to protect confidential Company information you access through the Service.

13. Security and Hosting

We use reasonable and appropriate safeguards, including encryption in transit and at rest, access controls, and audit trails. We host and store data using Amazon Web Services (AWS). No system is perfectly secure.

14. Data Retention

We retain data as required to provide the Service and comply with legal obligations, including accounting retention rules (typically up to 7 years for certain financial records). Additional retention details are in the Privacy Policy.

15. Suspension and Termination

We may suspend or terminate access for nonpayment, security risks, or policy violations. Some data may be retained as required by law or audit obligations.

16. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT GUARANTEE ERROR-FREE OPERATION OR COMPLETE ACCURACY OF AI OUTPUTS.

17. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE IS LIMITED TO THE AMOUNT PAID BY YOU FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

THIS SECTION DOES NOT LIMIT LIABILITY FOR FRAUD, WILLFUL MISCONDUCT, OR AMOUNTS THAT CANNOT BE LIMITED UNDER APPLICABLE LAW.

18. Indemnification

You agree to indemnify and hold the Company harmless from claims arising out of your use of the Service, your Customer Data, or your violation of these Terms.

19. Changes to the Service or Terms

We may update the Service or these Terms from time to time. We will post the updated Terms and update the Effective Date. Continued use after updates means you accept the revised Terms.

20. Governing Law; Venue

These Terms are governed by the laws of the State of Nebraska, excluding its conflict of law rules. Any dispute arising out of or relating to these Terms or the Service must be brought exclusively in the state or federal courts located in Lancaster County, Nebraska, and the parties consent to personal jurisdiction and venue there.

21. Contact

Bravo Zulu Consulting LLC, dba Bravo Zulu Intelligence
1201 O St, Ste 309 Unit 678
Lincoln, NE 68508
info@bzintelligence.ai