Terms of Service

These Terms of Service ("Terms") form a legally binding agreement between you (or the organisation you represent, the "Customer") and Mou Consulting Limited, a company registered in England and Wales (company number 13092399) ("MouCFO", "we", "us", "our"), governing your access to and use of the MouCFO software-as-a-service platform, websites, APIs and related services (the "Service"). By creating an account, clicking "I agree", or using the Service you accept these Terms. If you are agreeing on behalf of an organisation you warrant that you have authority to bind it.

1. Definitions

"Customer Data" means any data, files or information you upload or generate in the Service. "Authorised Users" means employees, contractors and advisors you invite. "Documentation" means our published product guides. "Order" means the plan you subscribe to via the billing portal.

2. Your account & Authorised Users

You must be at least 18 and hold authority to bind your organisation. You are responsible for the confidentiality of credentials, all activity under your account, and the acts and omissions of your Authorised Users. Notify us immediately at cfo@mouconsulting.co.uk of any suspected unauthorised access.

3. Subscriptions, trial & fees

New accounts receive a 14-day free trial. After the trial you must select a paid plan. Subscriptions renew automatically for successive billing periods until cancelled from the billing portal. Fees are stated exclusive of VAT (VAT is added at the applicable UK rate). Fees are non-refundable except where required by law (including UK consumer rights where applicable to sole traders acting outside their trade).

4. Acceptable use

You must not: (a) reverse engineer, decompile or attempt to derive source code of the Service; (b) use the Service to violate any law or third-party right; (c) upload malicious code, spam, or content that is unlawful, defamatory or infringing; (d) resell, sublicense or provide the Service as a bureau to third parties without our written consent; (e) probe, scan or attempt to breach the security of the Service; or (f) use the Service to build a competing product.

5. Customer Data & licence

As between the parties, you retain all right, title and interest in Customer Data. You grant us a worldwide, non-exclusive, royalty-free licence to host, copy, process and display Customer Data solely to (i) provide and improve the Service, (ii) prevent or address technical or security issues, and (iii) comply with law. You warrant that you have all rights and lawful bases necessary to upload Customer Data. See our Privacy Policy.

6. Data protection & DPA

Where we process personal data on your behalf we act as processor and you act as controller under the UK GDPR and Data Protection Act 2018. Our Data Processing Agreement (incorporating the UK International Data Transfer Addendum / EU SCCs) is available at cfo@mouconsulting.co.uk and, once signed, is incorporated into these Terms by reference. A current list of sub-processors is maintained in our Privacy Policy; we will give reasonable notice of material changes.

7. AI-generated output

The Service produces AI-generated commentary, forecasts, budgets and narratives ("AI Output"). AI Output is informational only, may contain errors or omissions, and must be reviewed by a qualified finance professional before being relied upon. AI Output does not constitute accounting, tax, investment or legal advice. To the extent permitted by law, we disclaim liability for decisions taken solely on the basis of AI Output.

8. Third-party integrations

The Service can connect to third-party tools (e.g. Xero, QuickBooks, Sage, FreeAgent, Stripe). Your use of those services is governed by their own terms; we are not responsible for their availability, accuracy or acts and omissions.

9. Intellectual property

The Service, Documentation and all related IP (including AI models, prompts and templates we develop) are and remain the property of MouCFO and its licensors. Feedback you provide may be used by us without restriction or compensation.

10. Confidentiality

Each party will protect the other's confidential information with the same care it uses for its own (and no less than reasonable care) and will not disclose it except to personnel and advisors bound by confidentiality, or as required by law.

11. Service levels & availability

We target 99.5% monthly uptime (excluding scheduled maintenance and force majeure). Scheduled maintenance is performed outside UK business hours where practical. The Service is provided on an "as is" and "as available" basis; we make no other warranties, express or implied, including any implied warranty of merchantability, fitness for a particular purpose or non-infringement.

12. Security

We maintain administrative, physical and technical safeguards appropriate to the risk, including TLS 1.2+ in transit, AES-256 at rest, role-based access, row-level security, audit logging, quarterly access reviews and vendor due diligence. We will notify you without undue delay (and in any event within 72 hours where required by UK GDPR Art. 33) of any personal data breach affecting your Customer Data.

13. Term & termination

These Terms apply from account creation and continue for the duration of your active subscription. Either party may terminate for material breach on 30 days' written notice, or immediately for insolvency events. You may cancel at any time from account settings; access continues to the end of the paid period. Customer Data is retained for 30 days post-cancellation and then permanently deleted, unless we are required by law to retain it longer.

14. Suspension

We may suspend the Service (in whole or in part) if we reasonably believe there is a security threat, non-payment, or a breach of Section 4, on prior notice where practical.

15. Indemnities

You will indemnify us against third-party claims arising from your Customer Data, your breach of Section 4, or your infringement of any third-party right. We will defend you against third-party claims that the Service (as provided by us and used as permitted) infringes their UK intellectual property rights, provided you notify us promptly and grant control of the defence.

16. Limitation of liability

Nothing excludes liability that cannot be excluded by law (including death or personal injury caused by negligence, and fraud). Subject to that, to the maximum extent permitted by law: (a) neither party is liable for indirect, consequential, special, incidental or exemplary loss, or lost profits, revenue, goodwill or data; and (b) each party's aggregate liability under these Terms is capped at the fees you paid to us in the 12 months preceding the event giving rise to the claim.

17. Force majeure

Neither party is liable for failure to perform due to events beyond its reasonable control (including outages of upstream infrastructure, denial-of-service attacks, natural disasters, war, industrial action or governmental action).

18. Changes to the Service or Terms

We may update the Service and these Terms from time to time. Material changes will be notified by email or in-app at least 14 days in advance. Continued use after the effective date constitutes acceptance.

19. Notices

Notices to you may be sent to the email on your account. Notices to us must be sent to cfo@mouconsulting.co.uk.

20. Assignment

You may not assign these Terms without our written consent. We may assign to an affiliate or in connection with a merger, acquisition or sale of assets on notice to you.

21. Governing law & jurisdiction

These Terms are governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction, save that either party may seek injunctive relief in any court of competent jurisdiction to protect its IP or confidential information.

22. Entire agreement

These Terms, together with the Privacy Policy, DPA (if signed) and any Order, constitute the entire agreement between the parties and supersede all prior agreements on the same subject matter.

23. Contact

Questions? Email cfo@mouconsulting.co.uk.