WolfStrata

Terms of Service & End User License Agreement

Effective 2026.07.20

This End User License Agreement (“Agreement”) is a contract between you and WolfStrata (“WolfStrata,” “we,” “us”) governing your use of the WolfLedger financial-analysis service provided by WolfStrata (the “Service”). By creating an account or using the Service, you agree to these terms. If you do not agree, do not use the Service.

1. License — not a sale

We grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Service for your internal business purposes, subject to this Agreement. The Service and its software are licensed to you, not sold. You acquire no ownership interest in the Service, its software, or any intellectual property of WolfStrata, and no rights are granted to you other than the limited license expressly set out in this Agreement. Your subscription is a right to use the Service while it remains active — nothing more.

1a. Eligibility and territory

The Service is not available in the Province of Quebec. Businesses and individuals located in, or resident in, Quebec are not permitted to purchase, register for, access, or use the Service, and must not create an account.

The Service is offered only to businesses located in Canada (excluding the Province of Quebec) and the United States. The Service is not offered in, licensed for use in, or directed to the Province of Quebec, the European Union, the European Economic Area, or any other jurisdiction — persons in those jurisdictions are not licensed to use the application and must not create an account or access the Service. We may use technical measures (including geographic blocking) to enforce this restriction, and we may terminate accounts that circumvent it. You represent that your business is located in an eligible jurisdiction.

2. The Service

WolfLedger connects to your QuickBooks Online company, computes deterministic financial signals from your data, and uses artificial intelligence to generate plain-language narratives describing what the numbers show. The Service is observational: it surfaces insights from your own data; it does not tell you what actions to take.

3. Not professional advice

WolfStrata is not a financial advisor, accountant, tax advisor, investment advisor, or legal advisor, and the Service does not provide financial, accounting, tax, investment, or legal advice. The Service provides informational insights computed from the data in your own connected accounting system. Outputs are not a substitute for the judgment of a qualified professional, and no output should be relied upon as the basis for a financial, tax, legal, or business decision without independent verification. You are solely responsible for your business decisions. Numbers shown are sourced from your QuickBooks data; their accuracy depends on the accuracy and completeness of that data.

4. AI-generated content — disclaimers

The Service’s figures are computed by deterministic code from your accounting data. The accompanying narrative text is generated by third-party artificial intelligence. By using the Service you acknowledge and agree that:

  • No guarantee of accuracy.AI-generated narrative may contain factual errors, omissions, mischaracterizations, or “hallucinations” — statements that read as confident but are wrong. We do not warrant that any AI-generated output is accurate, complete, reliable, or error-free.
  • Your responsibility to review. You agree to review AI-generated narrative against the underlying figures before relying on it or sharing it with any third party (including lenders, investors, partners, or advisors). You use AI-generated output at your own risk.
  • No fitness for a particular purpose. Outputs are a starting point for your own review, not a finished professional work product.
  • Your own AI keys.If you supply your own AI provider key, your requests are processed under your agreement with that provider, and you are responsible for that provider’s terms and charges.

5. Your responsibilities

  • You confirm you are authorized to connect the QuickBooks company you link to the Service.
  • You are responsible for maintaining the confidentiality and security of your account credentials, and for all activity that occurs under your account. Notify us immediately at the contact address below if you suspect unauthorized access.
  • You are responsible for the accuracy and legality of the data in your connected accounts.
  • You represent that you have all rights and permissions necessary for the data you connect or upload, and that it does not violate any law or third-party right.

6. Acceptable use

You agree not to misuse the Service, including by attempting to gain unauthorized access to the Service or other users’ data, interfering with its operation, circumventing usage limits or security measures, reverse-engineering it, reselling or redistributing it without our written consent, using it for automated scraping or competitive intelligence, or using it to violate any law or the rights of others. We may suspend or terminate accounts that violate these terms.

7. Third-party services

The Service integrates with and depends on third parties — including Intuit/QuickBooks Online, AI providers (Anthropic, OpenAI, Google), our payment processor (Stripe), and our hosting providers. Your use of those integrations is also subject to the respective third party’s terms. We are not responsible for third-party services, or for delays, failures, or data loss caused by third-party outages, API changes, or policy enforcement.

8. Intellectual property

The Service, including its software, signal logic, and design, is owned by WolfStrata and protected by applicable law. Your data remains yours. This Agreement grants us only the limited rights needed to operate the Service for you, as described in our Privacy Policy. We do not use your data or content to train, fine-tune, or improve any AI or machine-learning models — ours or any third party’s.

8a. 10× Report Guarantee

If your first monthly report does not surface a finding worth at least ten times your monthly subscription price, we will refund your subscription payment in full, and you keep the reports the Service generated for you. To claim, email us at the contact address below within thirty (30) days of your first monthly report being generated, describing the shortfall. Claims are reviewed individually by a person; this guarantee applies once per customer and does not limit any non-waivable statutory rights you may have.

9. Security

We use commercially reasonable technical and organizational measures to protect your data, as described in our Privacy Policy. You acknowledge, however, that no method of transmission or storage is completely secure and that we cannot and do not guarantee that the Service will be free from unauthorized access, security breaches, or vulnerabilities. To the maximum extent permitted by applicable law, and except where caused by our gross negligence or willful misconduct, we will not be liable for damages arising from unauthorized access to or disclosure of your data resulting from a security incident, cyberattack, or the acts of third parties.

10. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WOLFSTRATA EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT OUTPUTS (INCLUDING AI-GENERATED NARRATIVE) WILL BE ACCURATE, COMPLETE, OR RELIABLE. You acknowledge that no technology or AI system can guarantee perfect results and that the Service requires human oversight.

11. Limitation of liability

To the maximum extent permitted by applicable law, WolfStrata’s total aggregate liability for all claims arising out of or relating to this Agreement or the Service — whether in contract, tort (including negligence), strict liability, or otherwise — shall not exceed the total amount you paid to WolfStrata for the Service in the one (1) month immediately preceding the event giving rise to the claim, or fifty U.S. dollars ($50) if greater.

In no event will WolfStrata be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, revenue, business opportunities, goodwill, or data, or the cost of substitute services — whether arising from your use of or inability to use the Service, from reliance on any output (including AI-generated narrative), or from unauthorized access to your data — even if we were advised of the possibility of such damages.

Nothing in this Agreement limits liability that cannot be excluded or limited under applicable law, including any non-waivable statutory rights you may have.

12. Indemnification

You agree to indemnify, defend, and hold harmless WolfStrata and its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from or related to: (a) the data you connect to or upload to the Service, including any claim that it infringes a third party’s rights; (b) your use of the Service or reliance on its outputs; (c) your violation of this Agreement; or (d) your violation of any applicable law or third-party terms.

13. Force majeure

WolfStrata will not be liable for any failure or delay in performance resulting from circumstances beyond our reasonable control, including natural disasters, government actions, labor disruptions, internet or infrastructure failures, third-party platform or API outages, and cyberattacks.

14. Termination and discontinuation

You may stop using the Service and delete your account at any time. We may suspend or terminate access if you breach this Agreement. Provisions that by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, and indemnification) will survive.

We may discontinue the Service (in whole or in part) at any time, for any reason, on thirty (30) days’ notice given through the application and/or by email to the address associated with your account. If we discontinue the Service, we will refund any prepaid fees covering the period after discontinuation; beyond that refund, we have no further liability to you arising from discontinuation.

15. Changes to these terms and to pricing

We may change this Agreement and our pricing at any time. Changes will be reflected by an updated effective date at the top of this page, and for material changes we will notify you through the application and/or by email to the address associated with your account. Pricing changes take effect at the start of your next billing period after notice; changes to this Agreement take effect on the stated effective date. Continued use of the Service after a change takes effect constitutes acceptance; if you do not agree, your remedy is to cancel and stop using the Service.

Annual-term exception. If you are on a prepaid annual subscription, price changes and any materially adverse changes to this Agreement do not apply to you until your current annual term ends — they take effect at your next renewal.

16. Governing law and dispute resolution

This Agreement is governed by and construed in accordance with the laws of the Province of Manitoba, Canada, and the federal laws of Canada applicable therein, without regard to conflict-of-law principles.

  • Informal resolution first. Before initiating any formal proceeding, you agree to contact us at the address below and attempt in good faith to resolve the dispute informally for at least thirty (30) days.
  • Binding arbitration. Any dispute, claim, or controversy arising out of or relating to this Agreement or the Service that is not resolved informally shall be resolved by final and binding arbitration before a single arbitrator in Winnipeg, Manitoba (or, at your election, by video conference), administered under the arbitration legislation of Manitoba. Judgment on the award may be entered in any court of competent jurisdiction. You waive any right to have such disputes decided by a court or jury.
  • Individual claims only.All proceedings shall be conducted only on an individual basis and not as part of any class, consolidated, or representative action, and the arbitrator may not consolidate more than one party’s claims. If this waiver is found unenforceable for a particular claim, that claim (and only that claim) shall proceed in the courts of Manitoba, with the remainder in arbitration.
  • Time limit on claims. Any claim arising out of or relating to the Service must be commenced within one (1) year after the cause of action accrues, or it is permanently barred, to the extent such a limitation is permitted by applicable law.
  • Exceptions. Either party may bring an individual claim in small claims court, and either party may seek injunctive or equitable relief in a court of competent jurisdiction to protect intellectual property or address urgent security concerns. Nothing in this section deprives you of mandatory protections under applicable consumer-protection law that cannot be waived by contract.

If any provision of this Agreement is found unenforceable, it will be modified to the minimum extent necessary or severed, and the remaining provisions remain in effect. Questions? Contact us at support@wolfstrata.com.