General Terms & Conditions for PocketCFO Services - version October 2026

1. What This Document Is About & Who It's For

Welcome to PocketCFO! These Terms explain the rules for using our services and technology platform. They are a binding agreement between you and The Financial Insights Company B.V. (that's us, "PocketCFO").

To keep things clear, let's define who "You" might be, as different parts of these Terms may apply depending on your relationship with us:

• Direct User: You signed up to use our platform and services directly with us.
• Partner: You are an accounting firm or other professional entity using our platform to serve your own clients.
• Partner Client: You are a client of one of our Partners and use the client portal they provide, which is powered by our technology.

These rules apply alongside, and do not replace, any separate service agreement you may have (for example, a Partner Client's agreement with their accountant). By using our platform or services, you agree to these Terms and our separate Privacy Policy. If you are a Partner, you also agree to our Data Processing Agreement.

2. The Key Players & Their Roles

• PocketCFO (We/Us): The company that builds, owns, and operates the platform technology and provides services directly to Direct Users and Partners.
• Your Accountant: The Partner firm that provides professional services to you (if you are a Partner Client).
• Platform: The online software application, tools, and technology provided by PocketCFO.
• Content: Any data, information, or documents you, your accountant, or our systems upload or generate on the Platform.

3. Using the Platform (Rules for Everyone)

• Your Account: You are responsible for keeping your login details safe and for all activities that happen under your account. Please notify us or your accountant immediately if you suspect unauthorized use.
• Permission to Use: We grant you a limited, non-exclusive, non-transferable permission (a license) to use the Platform for its intended purpose. This permission can be withdrawn if these Terms are violated.
• Your Responsibilities:
  • You agree to provide accurate, current, and complete information. You are responsible for the correctness of the Content you provide.
  • You must ensure any files you upload are free from viruses or defects.
  • You agree to use the Platform legally and in compliance with these Terms.
• What Not to Do: You agree not to:
  • Use the Platform for any illegal purpose.
  • Upload or transmit malicious code or viruses.
  • Attempt to hack, reverse engineer, or copy the Platform's underlying code.
  • Do anything that could damage, disable, or impair the Platform.

4. Fees, Invoicing, and Payment

This section applies differently depending on your user type.