MyBooksGuy — Terms of Service

Effective date: August 20, 2026

These Terms of Service ("Terms") are an agreement between you (the business using the service, "you") and My Guy Enterprises LLC, a Louisiana limited liability company doing business as MyBooksGuy ("MyBooksGuy," "we," "us"). They govern your use of mybooksguy.com and the MyBooksGuy bookkeeping software (the "Service"). You accept these Terms by checking the acceptance box when you create your company.

If you use MyBooksGuy as part of a MyTankGuy provider account, the MyTankGuy Provider Terms also apply; where the two conflict as to the bookkeeping features, these Terms control.

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1. What MyBooksGuy is — and what it is not

MyBooksGuy is bookkeeping software. It records your income and expenses, reads receipts, connects to your bank to import transactions, produces financial statements, and prepares packages you can hand to a lender or an accountant.

We are not in the business of providing accounting, tax, legal, financial, insurance, or other professional advice, and we are not your accountant, bookkeeper, auditor, or tax preparer. You should consult a qualified professional before making important financial, tax, or legal decisions. The Service organizes information you and your bank supply. You are responsible for the accuracy of your books and for your own tax filings and financial reporting. Financial statements the Service produces are not audited, reviewed, or compiled by a licensed accountant, and nothing in them constitutes an assurance engagement.

No third-party reliance. There are no third-party beneficiaries to these Terms. Lenders, investors, accountants, and taxing authorities may not rely on the Service's outputs as verified or audited financial statements. Reports and lending packages the Service generates carry a conspicuous notice stating they are unaudited compilations produced from user-entered and bank-imported data.

2. Your account and your company

Your account belongs to your business. One login may hold several companies; the owner of each company controls its settings, its subscription, and who may access it.

You may invite an accountant or bookkeeper to a company's books. They access it under separate Accountant Terms; you control the invitation and can revoke it at any time.

You are responsible for keeping login credentials confidential and for all activity under your account.

3. Free trial

New companies receive a free trial of 30 days. One free trial per business — we identify businesses using a one-way cryptographic representation of the taxpayer identification number you supply, which lets us recognize a repeat business without storing the number itself. Creating additional accounts to obtain additional trials is a breach of these Terms.

At the end of the trial, the company must be on a paid subscription to continue in read-write mode. We will tell you before the trial ends.

4. Subscription, billing, and cancellation

Price. Current prices are shown in the app before you subscribe.
Sales tax. Prices are exclusive of sales tax. Where sales tax applies to your subscription, it is calculated based on your billing address, shown separately before you are charged, and added to your total.
Billing. Subscriptions renew automatically — monthly or annually, as you chose — until cancelled. Payment is processed by our payment processor; we never store your full card number.
Cancellation. You may cancel at any time from your billing settings. Cancellation takes effect at the end of the current paid period. We do not provide refunds for partial periods except where required by law or in our discretion.
Advance notice before you are charged. At least seven (7) days before your free trial converts to a paid subscription, and at least seven (7) days before an annual subscription renews, we send an electronic notice to the email on file stating the amount, the date, and a direct link to cancel.
Price changes. We may change prices prospectively with at least 30 days' notice before your next renewal. Continuing after the change takes effect is acceptance; if you don't accept, cancel before renewal.
Failed payment. If a renewal payment fails, we will retry and notify you. If it remains unpaid, the company moves to the read-only state described in Section 5.

4A. Taking card payments on your invoices (optional)

MyBooksGuy lets you send invoices. By default your customers pay you by check or cash and you record the payment yourself. If you choose, you can also switch on online card payment for your invoices. This section applies only if you do.

Your own payments account. Card payments run through a payments account in your business's name with Stripe ("Connect" account), which you set up through Stripe's own hosted steps and which is governed by the Stripe Connected Account Agreement. Stripe verifies your business and decides when the account can take charges and receive payouts; the card button on your invoices appears only once Stripe has enabled both. Until then, your invoices show check and cash and say plainly that online card payment isn't switched on yet.
Card processing. When a customer pays an invoice by card, standard card processing (currently 2.9% + 30¢ per payment) is deducted before the money reaches you, as with any card reader. Bank (ACH) payments, where you allow them, carry their own processing cost. We add no platform percentage of our own to your invoice payments.
Card-payment account costs, passed through at cost. Stripe charges us for each connected account: $2 for any month in which the account receives at least one payout, plus 0.25% + 25¢ per payout. We recover exactly that from your Stripe payout balance (a debit of your connected account, so it never touches your bank account) — no markup, rounded in your favor to the cent — and nothing at all in a month in which you received no payout. This only ever recovers what Stripe charged us for your account; we keep none of it. It is shown month by month on your billing page and recorded in your books as a card-processing cost, the same way card fees are.
Refunds and reversals. If you refund a customer through the Service, or a payment is reversed (for example a chargeback), the money comes out of your Stripe balance first. If your balance isn't enough — for example because that payout already reached your bank — Stripe may recover the remainder from your future payouts or, where Stripe's negative-balance debiting applies to your account, by debiting the bank account you gave Stripe for payouts. If neither covers it, we may cover the shortfall to make the customer whole and you agree to repay us; we may recover it from your future payouts or by invoice, and we may seek recovery through other lawful means. Card processing costs on a refunded amount are not returned by Stripe and are borne by us, not by you, unless stated otherwise at the time of the refund. You will see the amount and its source stated on the refund screen before you confirm.
Chargebacks and disputes. If a customer disputes a card payment on one of your invoices, the disputed amount and any dispute fee are yours; we will tell you and give you the chance to submit evidence.
Turning it off. You can switch card payments off at any time from your invoice settings; open payouts still complete, and the account costs above apply only to months in which you were paid.

5. What the Service does with your data, and what you can take with you

Your data is yours. You can export your complete books at any time from settings, as a downloadable file, including while your account is read-only.
Keep your own backups — and we make that easy. We maintain platform-level backups to recover from our own infrastructure failures. Those are not a per-company restore service, and like other cloud bookkeeping providers we do not guarantee we can recover data lost through your own deletions, bad imports, or mistaken edits. That is why the Service includes a one-click backup you download and keep, and a restore that reverses a bad restore. We recommend you download a backup regularly and store it somewhere you control. Responsibility for maintaining your own copies is yours.
Lending and year-end packages. The Service can assemble your financial statements into packages intended for a lender or an accountant. These are compilations of your own data — see the disclaimer in Section 1.
Bank connections. If you connect a bank account for bookkeeping, that connection is read-only: we can see transactions and balances so they can be categorized. Through that connection we cannot and do not move money in or out of your bank account. You can disconnect at any time. (If you switch on card payments under Section 4A, Stripe — not this connection — sends your payouts to the bank account you give Stripe.)

6. Account lifecycle and data retention

Companies move through three states:

Active — full read-write use, subscription current (or in trial).
Canceled / read-only — after cancellation, non-payment, or trial expiry. Your books remain visible and exportable, but you cannot add or change records. Reactivate at any time by subscribing.
Deleted — if a company stays read-only for twelve (12) months, we delete its data. We will warn you by email before this happens, with at least 30 days' notice and a link to export.

You may also request deletion at any time. In either case, we retain what we are legally required to keep (for example, payment records for tax purposes) and anything needed to resolve an open dispute.

Executed service contracts are an exception. If your business used the service-contract feature on MyTankGuy, signed agreements and their signature records are retained under the MyTankGuy Provider Terms even after this deletion, because they are agreements with third parties.

7. Acceptable use

Security and confidentiality. We hold your financial records in confidence and use them only to provide the Service and as described in the Privacy Policy. You are responsible for your own account security — unique credentials, prompt notice to us of suspected compromise, and control over who you invite into your books.

Don't use the Service to record or facilitate unlawful activity; don't attempt to access another company's data; don't scrape, reverse engineer, or resell the Service; don't upload malware. We may suspend accounts that do.

8. Availability, changes, and support

We aim to keep the Service available but do not promise uninterrupted access. We may add, change, or remove features. If we discontinue the Service entirely, we will give you at least 60 days' notice and an opportunity to export your data.

Support is provided by email at contact@mybooksguy.com. We do not promise a response time.

9. Privacy

Our Privacy Policy explains what we collect and how we use it, including bank-connection data, receipt images, and documents you upload.

10. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE'S CATEGORIZATIONS, CALCULATIONS, OR REPORTS ARE CORRECT FOR YOUR TAX OR REPORTING PURPOSES, AND YOU REMAIN RESPONSIBLE FOR REVIEWING YOUR BOOKS.

11. Limitation of liability

To the fullest extent permitted by law, and except for claims arising from gross negligence or intentional misconduct, we are not liable for indirect, incidental, special, consequential, or punitive damages, lost profits, lost data, tax penalties, or lending decisions made in reliance on reports produced by the Service. Our total liability for any claim is capped at the greater of (a) the subscription fees you paid us in the twelve (12) months before the claim arose, or (b) one hundred dollars ($100).

Nothing in these Terms excludes or limits any liability that applicable law does not permit us to exclude or limit — including, where Louisiana Civil Code article 2004 applies, liability for intentional or gross fault or for causing physical injury.

12. Indemnification

You will defend and hold harmless MyBooksGuy and its officers, members, and employees from third-party claims arising out of your data, your use of the Service, your violation of these Terms, or your violation of law — except to the extent caused by our own fault.

13. Governing law

These Terms are governed by Louisiana law, without regard to conflict-of-law rules. Venue lies exclusively in the state or federal courts situated in Rapides Parish, Louisiana. This choice does not deprive you of any protection of your home state's law that cannot be waived by agreement.

14. General

These Terms are the entire agreement about the Service. Unenforceable provisions are severed; the rest survive. We may update these Terms prospectively with notice and may require acceptance of a new version to continue using the Service. You may not assign these Terms except through the company-transfer feature the Service provides; we may assign in connection with a merger, sale, or reorganization. The following survive any termination, cancellation, or discontinuation of the Service or your account: Section 1 (what the Service is not), Section 4 (fees due and unpaid), Section 4A (card-payment costs and refund recovery), Section 5 (your data and backups), Section 6 (retention and deletion), Section 10 (disclaimers), Section 11 (limitation of liability), Section 12 (indemnification), Section 13 (governing law), and this Section 14.

15. Contact

My Guy Enterprises LLC, d/b/a MyBooksGuy My Guy Enterprises LLC PO Box 2 Tioga, LA 71477-0002 contact@mybooksguy.com