The honest version.

These Terms of Service ("Terms") form a binding agreement between you and Techno Optics LLC (a Massachusetts LLC, "we", "us", "Taxottic"). By creating an account or using Taxottic you accept these Terms and our Privacy Policy and Acceptable Use Policy.

Taxottic forecasts your taxes and organises deductions based on data you enter or import. It is educational guidance, not tax, legal, or financial advice. Numbers are estimates that depend on the data you provide. Always confirm important decisions with a licensed CPA or tax attorney.

Taxottic is not the IRS, not a tax preparer, and does not file returns on your behalf.

One account per person. You must be at least 18 years old. You are responsible for what happens under your sign-in - keep your credentials private and add a passkey from Settings » Security.

You may delete your account at any time. We may suspend or terminate accounts that violate these Terms or applicable law.

Free tiers exist for individuals and small teams. Paid tiers (Pro, Firm) are billed by Stripe on a recurring basis until you cancel. You can cancel any time from Billing; access continues until period end. We do not pro-rate refunds for partial months unless required by law or agreed in writing.

Prices are listed in USD on the Billing page. Tax may be added based on your billing address.

When you connect a bank, you authorise Taxottic to retrieve transaction data through Plaid for the purposes of forecasting and deduction tracking. You can revoke that authorisation at any time from Banks » Disconnect; we then revoke the access token and stop syncing.

You confirm you have the right to share the bank data with Taxottic and that doing so does not violate any agreement you have with your bank.

Bella generates educational responses to tax-related questions you ask. Replies are produced by Anthropic on our behalf. They can be wrong. Treat them as a starting point, not a verdict, and verify any cited IRS publication directly. We do not guarantee the accuracy or completeness of Bella's answers.

You retain ownership of all data you enter (your tax entries, exports, conversations). You grant us a non- exclusive, worldwide, royalty-free licence to host, process, and display that data solely to operate Taxottic for you and to provide the features you request. The licence ends when you delete your account.

The Taxottic interface, screens, dashboards, generated reports, deduction scorecards, and visual or textual assets are licensed to you for your own use. You agree not to:

• Screenshot, screen-record, or otherwise capture Taxottic surfaces for redistribution.
• Download, save, or extract assets except via the official year-end export under Forecast » Year-end summary.
• Republish, repost, or share captured content publicly or with third parties beyond the CPA or preparer you engage.
• Reverse engineer, scrape, or attempt to derive source code or data models from the service.

Taxottic watermarks authenticated screens with your account email so leaks are traceable. Circumventing or removing watermarks is a separate breach of these Terms.

You agree to follow our Acceptable Use Policy. In short: no illegal activity, no harassment, no misrepresentation, no abuse of the service or other users.

We aim for high availability but do not guarantee uninterrupted access. Scheduled maintenance is announced in advance where possible. We are not liable for downtime caused by upstream providers (Vercel, Supabase, Plaid, Anthropic, Stripe).

Taxottic is provided "as is" and "as available". To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy of tax outcomes.

To the maximum extent permitted by law, our total liability for any claim arising from or related to Taxottic is limited to the greater of (a) USD $100 or (b) the fees you paid us in the 12 months before the claim arose. We are not liable for indirect, consequential, special, or punitive damages, lost profits, lost data, or tax penalties or interest.

You agree to indemnify and hold harmless Techno Optics LLC, its members, officers, and employees from claims arising out of your use of Taxottic, your content, or your violation of these Terms.

These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict-of-law rules. Disputes will be resolved in the state or federal courts located in Suffolk County, Massachusetts, and you consent to that jurisdiction.

We may update these Terms. For material changes we will notify you in-app and by email at least 14 days before they take effect. Continued use after the effective date means you accept the change.

Questions about these Terms: contact@taxottic.com. Privacy: privacy@taxottic.com. Security: security@taxottic.com.