Terms of Service

Welcome to ProfitPulse. These Terms of Service ("Terms") govern your use of the ProfitPulse platform at myprofitpulse.app ("Service"), operated by Fusion 4 Business ("Company," "we," "us," or "our"), a company registered in Bermuda.

By creating an account or using ProfitPulse, you agree to these Terms. If you don't agree, please don't use the Service.

We've tried to write these in plain English. If anything is unclear, email us at hello@myprofitpulse.app.

1. Account Registration and Eligibility

To use ProfitPulse, you must create an account with accurate, complete information. You must be at least 18 years old and have the legal authority to enter into these Terms. If you're using ProfitPulse on behalf of a business, you represent that you have the authority to bind that business to these Terms.

You're responsible for keeping your login credentials secure. If you suspect unauthorized access to your account, contact us immediately at hello@myprofitpulse.app. We're not liable for any loss resulting from unauthorized use of your account.

2. Subscription and Billing

ProfitPulse is a paid subscription service. Here's how billing works:

• Free Trial. New accounts receive a 7-day free trial with full access to all features. We collect your payment method at signup but do not charge it until the trial ends. You can cancel any time during the trial and you will not be charged.
• Pricing. After your trial, you'll be billed at $59.99/month or $599.88/year, depending on the plan you choose. All prices are in U.S. dollars unless stated otherwise.
• Auto-Renewal. Subscriptions renew automatically at the end of each billing cycle. You'll be charged using the payment method on file unless you cancel before the renewal date. We'll send a billing receipt by email after each successful charge.
• Failed Payments. If a charge fails, we'll retry over the following 7 days and send you reminder emails. If payment isn't recovered, we may suspend access until the balance is paid. Repeated non-payment may result in account termination.
• Cancellation. You can cancel your subscription at any time from your account Settings. When you cancel, you'll retain access until the end of your current billing period. We do not issue prorated refunds for unused time.
• Price Changes. We may adjust pricing with at least 30 days' notice by email. Continued use after the change becomes effective constitutes acceptance of the new pricing. If you don't agree, you can cancel before the new price takes effect.

3. Payment Processing and PCI Compliance

All payments are processed by Authorize.net, a PCI DSS Level 1-compliant payment processor. Your credit card details are entered into a form served directly by Authorize.net and never touch our servers. We receive only a transaction confirmation and a secure token for processing future renewals.

Chargebacks. If you initiate a chargeback rather than contacting us for a refund or cancellation, we reserve the right to suspend your account pending resolution. We're happy to resolve billing concerns directly — email us before disputing a charge with your card issuer.

4. Refund Policy

All sales are final. Because you have a 7-day free trial before your first charge, we do not issue refunds for subscription payments — including unused time, mid-cycle cancellations, or accidental renewals. You can cancel at any time and you will not be billed again.

If you believe you were charged in error or are experiencing a technical issue that prevents you from using the Service, contact hello@myprofitpulse.app and we'll work with you in good faith to make it right.

5. Acceptable Use

You agree to use ProfitPulse only for its intended purpose: analyzing and understanding your own business's financial data. You may not:

• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems or other users' accounts
• Upload malicious files, viruses, or harmful code
• Reverse-engineer, decompile, or disassemble any part of the Service
• Use automated tools (bots, scrapers) to access the Service without our permission
• Resell, sublicense, or redistribute the Service to third parties
• Interfere with or disrupt the integrity or performance of the Service
• Upload personal information about anyone other than yourself or your own business without their authorization — including client lists, health-related details, or other people's identifiable financial data

6. Your Data and Ownership

You retain full ownership of all financial data and business information you upload to ProfitPulse. By uploading data, you grant us a limited license to process, analyze, and display that data solely to provide the Service to you.

We do not sell your data to third parties. We do not use your financial data to train AI models. For full details on how we handle your information, see our Privacy Policy.

Data export on termination. When you cancel or delete your account, you can request a copy of your data in a portable format (CSV/JSON) within 30 days of termination by emailing hello@myprofitpulse.app. After 30 days, deleted data may no longer be recoverable.

7. QuickBooks / Intuit Integration

ProfitPulse offers an optional integration with QuickBooks Online. If you choose to connect your QuickBooks account, you authorize ProfitPulse to access financial data from your QuickBooks account on your behalf to power your dashboard and insights.

You can disconnect the integration at any time from your Settings page. Disconnection stops future data syncs immediately. Data previously imported into ProfitPulse remains in your dashboard until you delete it.

Your use of QuickBooks Online itself is governed by Intuit's own Terms of Service. ProfitPulse is not affiliated with or endorsed by Intuit.

8. AI Insights — Not Financial Advice

ProfitPulse provides financial insights and analysis tools. It does not provide financial, tax, legal, or investment advice. No fiduciary or advisory relationship is created by your use of the Service.

The health scores, scenarios, projections, and recommendations generated by ProfitPulse are produced by automated systems including artificial intelligence. They are based on the data you provide and on general best-practice principles. They are intended as informational tools — not as the basis for significant financial decisions.

AI output may be wrong. AI systems can produce inaccurate, incomplete, or misleading results. You are responsible for verifying any AI-generated insight before acting on it. We recommend consulting with a qualified financial professional for specific financial decisions. We are not responsible for decisions made based on ProfitPulse's output.

You own the AI-generated output that ProfitPulse displays in your account. You may use it for your own business purposes. You may not redistribute ProfitPulse-generated output as your own commercial product.

9. Intellectual Property

The ProfitPulse platform—including its design, code, features, logo, brand, content, and proprietary algorithms—is owned by Fusion 4 Business and protected by intellectual property laws. These Terms don't transfer any ownership rights to you.

Your subscription grants you a personal, non-exclusive, non-transferable, revocable license to use ProfitPulse for your business during your active subscription period.

10. Service Availability

We work hard to keep ProfitPulse available and performant, but we don't guarantee uninterrupted service. The Service may occasionally be unavailable due to maintenance, infrastructure issues, third-party outages (e.g., our hosting provider or payment processor), or events outside our reasonable control.

The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

11. Limitation of Liability

To the maximum extent permitted by law, Fusion 4 Business and its directors, employees, agents, and service providers shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising from your use of ProfitPulse — including, but not limited to, loss of profits, loss of revenue, loss of business opportunities, loss of goodwill, or loss of data.

Our total cumulative liability for any claim arising from or related to the Service shall not exceed the amount you paid us in the 12 months preceding the event giving rise to the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless Fusion 4 Business and its affiliates from any claims, damages, losses, liabilities, or expenses (including reasonable legal fees) arising from: (a) your use of the Service, (b) your violation of these Terms, (c) your violation of any third party's rights, or (d) any data you upload that you didn't have authorization to share.

13. Termination

You can delete your account at any time from the Settings page. Upon deletion, we will remove your personal and financial data in accordance with our Privacy Policy.

We reserve the right to suspend or terminate your account if you violate these Terms, fail to pay, or use the Service in a way that could harm us, other users, or third parties. Where reasonably possible, we will provide notice and an opportunity to cure before taking action.

Sections that by their nature should survive termination — including Refund Policy, Data Ownership, Limitation of Liability, Indemnification, and Governing Law — will remain in effect after your account is closed.

14. Tax Responsibility

The subscription price does not include any applicable sales tax, VAT, GST, or similar transaction taxes. If you are required to pay such taxes in your jurisdiction, you are responsible for them. Where required by law, we will add applicable taxes to your invoice.

15. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of Bermuda, without regard to its conflict-of-law provisions. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of Bermuda.

Before initiating any formal legal proceedings, you agree to first attempt to resolve the dispute informally by contacting us at hello@myprofitpulse.app. We'll work in good faith to resolve the matter within 30 days. Most disputes can be solved with a conversation — try us first.

No class actions. Any claim must be brought in your individual capacity, not as a plaintiff or class member in any purported class or representative proceeding.

16. Changes to These Terms

We may update these Terms from time to time. When we make significant changes, we'll notify you by email and through the Service at least 14 days before the changes take effect. Your continued use of ProfitPulse after the changes become effective constitutes your acceptance of the updated Terms.

The "Last updated" date at the top of this page indicates when these Terms were last revised.

17. Miscellaneous

• Entire Agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Fusion 4 Business regarding ProfitPulse.
• Severability. If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
• No Waiver. Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.
• Assignment. You may not assign your rights under these Terms without our prior written consent. We may assign our rights without restriction (for example, in connection with a merger or acquisition).
• Force Majeure. Neither party is liable for failure to perform due to events outside their reasonable control (natural disasters, pandemics, government action, internet/hosting outages, etc.).

18. Contact Us

If you have questions about these Terms, reach out to us: