Growth Line LLC — End User License Agreement (EULA)

Last Updated: April 21, 2026

This End User License Agreement ("EULA" or "Agreement") is a legal agreement between you ("User," "you," or "your") and Growth Line LLC, an Oregon limited liability company ("Growth Line," "Company," "we," "us," or "our"). This Agreement governs your access to and use of the Growth Line software platform, including all related websites, applications, tools, and services (collectively, the "Software").

By creating an account, accessing, or using the Software, you agree to be bound by this Agreement. If you do not agree to these terms, do not access or use the Software. If you are using the Software on behalf of a business entity, you represent that you have the authority to bind that entity to this Agreement.

1. License Grant

Growth Line grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Software solely for your internal business operations or personal financial tracking purposes, subject to the terms of this Agreement and your applicable subscription plan.

This license does not include the right to: (a) copy, modify, adapt, or create derivative works of the Software; (b) reverse engineer, decompile, disassemble, or attempt to derive the source code of the Software; (c) sublicense, sell, rent, lease, transfer, assign, or distribute the Software or access to the Software to any third party; (d) use the Software to build a competing product or service; (e) use any automated scripts, bots, or scrapers to access the Software except through approved APIs; or (f) permit any third party to access the Software using your credentials.

2. Account Registration

To use the Software, you must create an account and provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify Growth Line immediately of any unauthorized use of your account.

You must be at least 18 years of age to create an account and use the Software.

3. Software Description

The Software is a financial data organization and tracking platform that provides tools including, but not limited to: transaction categorization, invoice and document parsing, accounting system integration, bank and credit card feed aggregation, point-of-sale data import, financial reporting, and an AI-powered bookkeeping assistant.

4. AI-Powered Features

The Software uses artificial intelligence, including large language model APIs provided by third-party services (currently Anthropic's Claude API), to power certain features including transaction categorization, document parsing, data extraction, conversational assistance, and report generation ("AI Features").

You acknowledge and agree that:

(a) AI Features may produce errors, inaccuracies, incomplete results, or outputs that are inappropriate for your specific situation. Growth Line does not guarantee the accuracy, completeness, or reliability of any AI-generated output.

(b) All AI-generated outputs — including categorized transactions, parsed invoice data, generated reports, financial summaries, and conversational responses — are provided as drafts and suggestions only. You are solely responsible for reviewing, verifying, and approving all outputs before relying on them or submitting them to any accounting system, financial institution, tax authority, or regulatory body.

(c) The AI assistant may use terms such as "bookkeeper," "accountant," or similar language to describe its automated functions. These terms refer to the software's capabilities and do not indicate that a licensed professional is providing services.

(d) Growth Line uses third-party AI services to power AI Features. Your data is processed in accordance with those services' terms and data handling practices. As of the effective date of this Agreement, Growth Line uses Anthropic's commercial API under terms that do not permit use of your data for AI model training. Growth Line will monitor any changes to these terms and update this Agreement accordingly.

(e) AI Features may change, improve, or be modified over time. Growth Line is not obligated to maintain any specific AI behavior, output format, or accuracy level.

5. Professional Services Disclaimer

THE SOFTWARE IS A TECHNOLOGY TOOL, NOT A PROFESSIONAL SERVICES PROVIDER.

Growth Line LLC is a software company. Growth Line is not a certified public accounting firm, a licensed accounting practice, a tax preparation service, a financial advisory firm, a legal services provider, an investment advisor, a financial planner, or any other licensed professional services entity.

Nothing in the Software — including any reports, dashboards, categorizations, recommendations, conversational responses, compliance reminders, or other outputs — constitutes accounting advice, tax advice, financial advice, investment advice, legal advice, or any other form of professional advice.

You are solely responsible for engaging qualified licensed professionals (CPAs, tax advisors, attorneys, financial advisors) for professional advice. Any reports or exports generated by the Software that are provided to your CPA, tax advisor, or other professional are provided as software-generated summaries, not as professional work product.

Growth Line assumes no liability for decisions made based on Software outputs without independent professional review.

6. Third-Party Integrations

The Software may integrate with or connect to third-party services, including but not limited to: QuickBooks Online (Intuit), point-of-sale systems, bank account aggregation services (such as Plaid), payroll providers, payment processors, and AI service providers ("Third-Party Services").

You acknowledge and agree that:

(a) Growth Line is not responsible for the availability, accuracy, or performance of any Third-Party Service.

(b) Third-Party Services are governed by their own terms of service and privacy policies, which you are responsible for reviewing and accepting.

(d) Growth Line is not liable for any errors, data loss, service interruptions, or incorrect data synchronization caused by Third-Party Services, including API changes, outages, or authentication failures.

(e) When Growth Line connects to your bank accounts, credit cards, or other financial accounts via Plaid or similar aggregators, Growth Line receives read-only transaction data. Growth Line does not store your bank login credentials. Bank authentication is handled entirely by the aggregation service.

(f) You are responsible for maintaining active, authenticated connections to Third-Party Services. If a connection is revoked, expired, or disconnected, Growth Line's ability to provide certain features may be limited.

7. Data Accuracy

The Software organizes, categorizes, and presents financial data based on information you provide and data received from connected Third-Party Services. Growth Line does not independently verify the accuracy, completeness, or timeliness of data received from connected accounts, uploaded documents, or manual entries.

You acknowledge and agree that:

(a) The Software's outputs are only as accurate as the data provided to it.

(b) You are solely responsible for reviewing and verifying all data, categorizations, reports, and outputs before relying on them for any purpose, including tax filing, regulatory compliance, financial decision-making, or any other purpose.

(c) Growth Line does not guarantee that data synchronization with Third-Party Services will be complete, timely, or error-free.

(d) The Software is not a substitute for official bank statements, credit card statements, tax documents, or other authoritative financial records.

8. Subscription and Fees

The Software is currently offered in a free beta period. Following the beta period, continued use of the Software will be subject to Growth Line's then-current subscription pricing. Growth Line will provide notice of pricing before the beta period ends.

Growth Line reserves the right to modify subscription fees with sixty (60) days written notice to existing users. Details of subscription tiers, features, and pricing will be made available on the Growth Line website and within the Software.

9. Data Ownership

You own all of your data processed through the Software ("Your Data"), including business records, financial transactions, uploaded documents, and personal financial information.

Growth Line retains ownership of all platform-level intelligence, including but not limited to: matching algorithms, categorization logic, learned patterns, model configurations, software code, user interface designs, and system architecture. Aggregated, de-identified data that does not identify you or your business is considered Growth Line intellectual property.

Your use of the Software, including participation in beta testing, provision of feedback, or any other interaction, does not confer any ownership interest, equity stake, or intellectual property rights in the Software.

For full details on data ownership, retention, deletion, and portability, please refer to our Privacy Policy.

10. Data Export and Portability

You may export Your Data at any time in standard machine-readable formats (such as CSV) through the Software's data export feature. Upon account closure, you may request a complete export of Your Data within ninety (90) days.

11. Acceptable Use

You agree to use the Software only for lawful purposes and in compliance with all applicable laws. You shall not: (a) use the Software to process data you do not have the legal right to process; (b) attempt to gain unauthorized access to other users' data or Growth Line's internal systems; (c) use the Software to engage in fraudulent activity or produce fraudulent financial records; (d) share login credentials with unauthorized individuals; (e) interfere with the proper functioning of the Software; or (f) use the Software in any manner that violates applicable law.

12. Disclaimer of Warranties

THE SOFTWARE IS PROVIDED "AS IS" AND "AS AVAILABLE." GROWTH LINE MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, RELIABILITY, OR NON-INFRINGEMENT. GROWTH LINE DOES NOT WARRANT THAT THE SOFTWARE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL COMPONENTS.

GROWTH LINE DOES NOT WARRANT THE ACCURACY OF ANY AI-GENERATED OUTPUT, DATA CATEGORIZATION, FINANCIAL REPORT, OR OTHER SOFTWARE OUTPUT.

13. Limitation of Liability

IN NO EVENT SHALL GROWTH LINE LLC'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING UNDER OR IN CONNECTION WITH THIS AGREEMENT EXCEED THE GREATER OF: (A) THE TOTAL FEES PAID BY YOU TO GROWTH LINE IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM; OR (B) ONE THOUSAND DOLLARS ($1,000).

IN NO EVENT SHALL GROWTH LINE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, TAX PENALTIES, REGULATORY FINES, OR COST OF SUBSTITUTE SERVICES, REGARDLESS OF THE THEORY OF LIABILITY, EVEN IF GROWTH LINE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WITHOUT LIMITING THE FOREGOING, GROWTH LINE SHALL NOT BE LIABLE FOR: (A) ERRORS IN AI-GENERATED CATEGORIZATIONS, REPORTS, OR OUTPUTS; (B) DECISIONS MADE BASED ON SOFTWARE OUTPUTS WITHOUT INDEPENDENT PROFESSIONAL REVIEW; (C) ERRORS IN DATA SYNCHRONIZATION WITH THIRD-PARTY SERVICES; (D) TAX PENALTIES OR ACCOUNTING ERRORS RESULTING FROM RELIANCE ON SOFTWARE OUTPUTS; OR (E) DATA LOSS CAUSED BY THIRD-PARTY SERVICE FAILURES.

14. Indemnification

You agree to indemnify, defend, and hold harmless Growth Line and its officers, members, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from: (a) your breach of this Agreement; (b) your misuse of the Software; (c) your violation of applicable law; or (d) any claim that data you provided infringes a third party's rights.

15. Term and Termination

This Agreement begins when you create an account and continues until terminated. Either party may terminate this Agreement at any time with thirty (30) days written notice. Growth Line may terminate your access immediately if you breach this Agreement.

Upon termination, your license to use the Software ends. You may request a data export within ninety (90) days of termination. After ninety (90) days, Growth Line may permanently delete Your Data, subject to legal retention requirements.

Sections 4, 5, 9, 12, 13, 14, and 17 survive termination.

16. Changes to This Agreement

Growth Line may update this Agreement from time to time. We will notify you of material changes by email or through the Software. Your continued use of the Software after changes become effective constitutes acceptance of the updated terms. If you do not agree to the changes, you must stop using the Software.

17. General Provisions

Governing Law. This Agreement is governed by the laws of the State of Oregon, without regard to conflict of law principles.

Dispute Resolution. The parties agree to attempt to resolve any dispute through good faith negotiation for thirty (30) days before pursuing other remedies. If negotiation fails, the parties agree to non-binding mediation before a mutually agreed mediator.

Entire Agreement. This Agreement, together with the Privacy Policy and any applicable subscription terms, constitutes the entire agreement between you and Growth Line regarding the Software.

Severability. If any provision of this Agreement is found unenforceable, the remaining provisions continue in full force.

Assignment. You may not assign this Agreement without Growth Line's written consent. Growth Line may assign this Agreement in connection with a merger, acquisition, or sale of substantially all of its assets.

No Waiver. Failure by either party to enforce any provision shall not constitute a waiver.

Independent Contractors. This Agreement does not create a partnership, joint venture, employment, or agency relationship.

No Third-Party Beneficiaries. This Agreement is for the benefit of the parties only and does not create rights in any third party.

18. Contact

For questions about this Agreement, contact:

Growth Line LLC Email: michael@growthlineworks.com Website: https://growthlineworks.com