Términos de Servicio

1. Introduction

Welcome to CFO Virtual. By accessing or using our service, you agree to be bound by these Terms of Service and all applicable laws and regulations.

2. Description of Service

CFO Virtual provides AI-powered financial analysis and management tools for small and medium-sized businesses. Our service integrates with various accounting software platforms to provide real-time financial insights.

3. User Accounts

To access our service, you must create an account. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access

4. Subscription and Payment

CFO Virtual operates on a subscription basis. By subscribing:

• You authorize us to charge your payment method on a recurring basis
• Subscriptions renew automatically unless cancelled
• A 7-day free trial is available for new users
• You can cancel your subscription at any time

5. Data Privacy and Security

We take your privacy seriously. Please refer to our Privacy Policy for details on how we collect, use, and protect your data.

6. Integrations

Our service integrates with third-party accounting software. You authorize us to:

• Access your financial data in read-only mode
• Sync and analyze your financial information
• Store processed data securely on our servers

We will never modify your source data or make changes to your accounting software without explicit permission.

7. Acceptable Use

You agree not to:

• Use the service for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the service
• Share your account with others
• Reverse engineer or copy any part of our service

8. Intellectual Property

All content, features, and functionality of CFO Virtual are owned by us and are protected by international copyright, trademark, and other intellectual property laws.

9. Limitation of Liability

CFO Virtual provides financial analysis tools but is not a substitute for professional financial advice. We are not liable for:

• Financial decisions made based on our analysis
• Errors or inaccuracies in data provided by third-party integrations
• Service interruptions or data loss
• Indirect, incidental, or consequential damages

10. Termination

We reserve the right to suspend or terminate your account if you violate these terms. Upon termination:

• Your access to the service will be revoked
• We may delete your account data after 30 days
• No refunds will be provided for partial billing periods

11. Changes to Terms

We may update these terms from time to time. We will notify you of significant changes via email. Continued use of the service after changes constitutes acceptance of the new terms.

12. Governing Law

These terms are governed by the laws of Spain. Any disputes will be resolved in the courts of Spain.

13. Contact

If you have any questions about these Terms of Service, please contact us at: legal@cfovirtual.com