Terms of Service

Last updated: June 13, 2026

Please read these Terms of Service (“Terms,” “Agreement”) carefully before using the Simple-C bookkeeping platform, website, mobile applications, and related services (collectively, the “Service”). This Agreement is a binding legal contract between you and Simple-C LLC, an Arizona limited liability company (“Simple-C,” “we,” “us,” or “our”). By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

1. Definitions

Throughout these Terms, the following words and phrases have the meanings set out below:

  • “Account” means the registered user account created to access and use the Service.
  • “Customer,” “you,” or “your” means the individual or business entity that uses the Service.
  • “User Content” means all financial records, transactions, documents, files, attachments, notes, and any other data or materials uploaded, entered, imported, or otherwise transmitted by you or on your behalf through the Service.
  • “Subscription Period” means the recurring paid period during which you have access to the Service, typically billed annually unless otherwise agreed.
  • “Free Trial” means the limited evaluation period described in Section 4.

2. Acceptance of Terms

These Terms govern your access to and use of the Service, including any updates, new features, or additional products that we may introduce. They apply to all visitors, users, and others who access the Service through any device or platform.

If you are using the Service on behalf of a business, organization, or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms. In that case, “you” and “your” refer both to you individually and to the entity.

3. Eligibility and Accounts

You must be at least 18 years old and capable of entering into a legally binding contract to use the Service. By registering, you represent that all information you provide is accurate, complete, and current. You are responsible for maintaining the accuracy of your account information and for keeping your login credentials confidential.

You agree to notify us immediately of any unauthorized access to or use of your Account. We reserve the right to disable any Account, temporarily or permanently, if we believe you have violated these Terms or if any information you provide is inaccurate, fraudulent, or incomplete. We will not be liable for any loss or damage arising from your failure to safeguard your Account credentials.

4. Free Trial

Simple-C may offer a free trial that provides full access to the platform for a limited evaluation period, the duration of which will be specified at the time you sign up. No credit card is required to start a trial unless otherwise indicated. At the end of the trial, your Account will be paused and your User Content preserved. You may convert to a paid subscription at any time to restore full access. We do not automatically charge you at the end of the Free Trial.

We reserve the right to limit the number of free trials permitted per person or organization and to modify or discontinue free trial offerings at any time.

5. Subscriptions, Billing, and Payments

Fees and Renewal: Paid subscriptions are billed in advance on an annual basis unless otherwise stated. All fees are non-refundable except as expressly provided in these Terms or required by applicable law. By providing a payment method, you authorize us to charge all applicable fees. Subscriptions automatically renew for additional periods equal to the then-current Subscription Period unless you cancel before the renewal date. We will present the automatic-renewal terms clearly and obtain your affirmative consent at the time of purchase, and for annual subscriptions we will send you a renewal reminder before each renewal as required by applicable law. You may cancel at any time as described in Section 6.

Changing Plans: You may upgrade your subscription at any time by contacting us at info@simple-c.net. Upgrades take effect once processed, and you will be charged a prorated amount based on the remaining time in your current Subscription Period. Downgrades take effect at the end of the current Subscription Period.

Failed Payments: If your payment method fails, we may suspend your Account after reasonable notice and attempt to process the charge again. You remain responsible for all unpaid amounts. We may update your payment method expiration date using information provided by your bank or card network.

Price Changes: We may change subscription fees upon notice. Any price change will take effect at the start of your next Subscription Period after the change is communicated. If you do not agree to a price change, you may cancel before the change takes effect.

6. Cancellation and Termination

By You: You may cancel your subscription at any time through the cancellation option in your account settings within the Service, or by emailing info@simple-c.net. If you purchased your subscription online, you may cancel online through the same channel, without having to contact us by any other means. Cancellation takes effect at the end of the current Subscription Period, and you will retain access until that date. No refunds will be provided for partial periods.

By Simple-C: We may suspend or terminate your Account and access to the Service, with or without notice, if you breach these Terms, fail to pay amounts due, engage in fraudulent or illegal activity, or if such action is necessary to protect the security, integrity, or availability of the Service. Upon termination for cause, you are not entitled to a refund.

Data Retention: After cancellation or termination, we will retain your User Content for up to twelve (12) months unless we are required by law to retain it longer or unless you request earlier deletion in writing. During this retention period, you may reactivate your Account by subscribing to a paid plan. After twelve (12) months of inactivity, we may permanently delete your User Content. We are not obligated to retain any data beyond the periods stated herein. This retention period is described in further detail in our Privacy Policy below.

7. Your Data and Content

Ownership: You retain all right, title, and interest in and to your User Content. We do not claim ownership of your financial data, records, or reports.

License to Simple-C: You grant us a limited, non-exclusive, worldwide, royalty-free license to use, host, store, reproduce, modify, transmit, and display your User Content solely as necessary to provide, maintain, improve, and secure the Service and to comply with legal obligations. This license continues only for so long as your User Content is retained by us.

Export: You may export your User Content at any time through features provided within the Service, subject to technical limitations. We encourage you to maintain your own backups. We are not responsible for any loss of data resulting from your failure to export or back up your User Content before cancellation or termination.

Responsibility: You are solely responsible for the accuracy, quality, legality, and appropriateness of your User Content. You represent that you have all necessary rights to upload or transmit your User Content and that doing so does not violate any third-party rights or applicable laws.

8. Intellectual Property Rights

Except for your User Content, all materials, features, and functionality of the Service—including software, code, designs, text, graphics, logos, icons, images, audio, video, and compilations thereof—are owned by Simple-C or its licensors and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes during the term of your subscription. You may not copy, modify, distribute, sell, lease, reverse-engineer, decompile, disassemble, or create derivative works from any part of the Service except as expressly permitted by law.

9. Confidentiality

Each party agrees to use the other party’s confidential information solely for the purpose of exercising its rights and performing its obligations under these Terms and to protect such information with at least the same degree of care it uses to protect its own confidential information, but no less than reasonable care. Confidential information does not include information that is or becomes publicly available through no breach of these Terms, was already known to the receiving party, or is independently developed without use of the disclosing party’s confidential information.

10. Acceptable Use

You agree to use the Service only for lawful purposes and in compliance with these Terms and our Acceptable Use Policy. Without limiting the foregoing, you may not:

  • Use the Service in any manner that violates any applicable local, state, federal, or international law or regulation.
  • Upload, transmit, or store any data that is false, fraudulent, defamatory, obscene, infringing, or otherwise unlawful.
  • Interfere with or disrupt the Service, servers, or networks connected to the Service.
  • Attempt to gain unauthorized access to the Service or any related systems or networks.
  • Use automated scripts, bots, scrapers, or other means to access or interact with the Service in an unauthorized manner.
  • Resell, sublicense, or commercially exploit the Service without our prior written consent.

Violation of these restrictions may result in immediate suspension or termination of your Account and may subject you to civil or criminal liability.

11. Service Availability and Support

We use commercially reasonable efforts to make the Service available 24 hours a day, 7 days a week, excluding scheduled maintenance, emergency repairs, and circumstances beyond our reasonable control. We do not guarantee uninterrupted access and are not liable for any downtime or access failures caused by factors outside our control, including internet service provider failures, third-party services, or force majeure events.

Support is provided via email at info@simple-c.net during our published business hours. We aim to respond to support inquiries promptly, but we do not guarantee specific response times.

12. Third-Party Services and Links

The Service may integrate with or contain links to third-party websites, services, or payment processors (such as banking institutions, payment gateways, or analytics providers) that are not owned or controlled by Simple-C. We do not endorse and are not responsible for the content, privacy practices, terms, or availability of any third-party services. Your use of third-party services is governed by their respective terms and policies, and you access them at your own risk.

13. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, OR NON-INFRINGEMENT.

Simple-C does not warrant that the Service will be uninterrupted, error-free, secure, or free of viruses or other harmful components. The information and reports generated by the Service are for informational purposes only and do not constitute legal, tax, accounting, or other professional advice. You should consult a qualified professional before making financial, tax, or legal decisions based on information from the Service.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SIMPLE-C, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (A) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE; (B) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICE; (C) ANY CONTENT OBTAINED FROM THE SERVICE; OR (D) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY.

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (I) THE AMOUNT YOU PAID TO SIMPLE-C IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (II) ONE HUNDRED U.S. DOLLARS (US$100). THE FOREGOING LIMITATIONS APPLY EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitations may not apply to you. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law.

15. No Liability to Your Clients or End Users

Simple-C provides the Service directly to you. We do not provide bookkeeping, tax preparation, or any other professional services to, and we are not in a contractual relationship with, your clients, customers, or any other end users whose data or information you manage through the Service (“Your Clients”). You are solely responsible for your professional relationship with Your Clients, including the accuracy, timeliness, and completeness of any work product, reports, filings, or advice you provide to them.

You acknowledge and agree that any suspension, termination, cancellation, downgrade, expiration, or interruption of your Account or access to the Service—for non-payment, breach of these Terms, maintenance, technical issues, security concerns, legal compliance, or any other reason—may affect your ability to access, process, or deliver services related to Your Clients. You are solely responsible for communicating with Your Clients, managing their expectations, maintaining appropriate backups, and making alternative arrangements to continue their bookkeeping, tax preparation, or related services in the event of any such suspension, termination, cancellation, or interruption.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SIMPLE-C SHALL NOT BE LIABLE TO YOU, YOUR CLIENTS, OR ANY THIRD PARTY FOR ANY CLAIM, LOSS, DAMAGE, OR EXPENSE ARISING OUT OF OR RELATING TO THE SUSPENSION OR TERMINATION OF YOUR ACCOUNT OR ACCESS TO THE SERVICE, INCLUDING BUT NOT LIMITED TO ANY LOSS OF CLIENTS, LOSS OF REVENUE, MISSED TAX FILING DEADLINES, LATE FEES, PENALTIES, REGULATORY ACTION, OR REPUTATIONAL HARM. YOUR CLIENTS HAVE NO RIGHTS OR REMEDIES AGAINST SIMPLE-C UNDER THESE TERMS, AND NOTHING IN THESE TERMS CREATES ANY THIRD-PARTY BENEFICIARY RIGHTS.

16. Indemnification

You agree to defend, indemnify, and hold harmless Simple-C and its officers, directors, employees, contractors, agents, licensors, and suppliers from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or relating to (a) your use of the Service, (b) your User Content, (c) your violation of these Terms or any applicable law, (d) your infringement of any third-party right, or (e) any claim by Your Clients or other third parties arising from or related to your use of the Service, including any suspension, termination, cancellation, or interruption of your Account.

17. Feedback

We welcome feedback, suggestions, and ideas. Any feedback you provide through any channel may be used by us without restriction or obligation to you. You hereby assign to Simple-C all right, title, and interest in and to such feedback, including all intellectual property rights, or, if such assignment is not permitted, grant us a perpetual, irrevocable, royalty-free, worldwide license to use and exploit such feedback.

18. Modifications to Terms

We may modify these Terms at any time by posting the revised version on this page and updating the “Last updated” date. Material changes will be communicated to you by email or through a prominent notice within the Service at least 30 days before they take effect, where practicable. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the revised Terms. If you do not agree to the changes, you must stop using the Service and cancel your subscription.

19. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, United States, without regard to its conflict of law principles.

Informal Resolution: Before initiating any arbitration or formal legal proceeding, you agree to contact us at info@simple-c.net and attempt in good faith to resolve the dispute informally for at least 30 days. Most concerns can be resolved this way.

Binding Arbitration: Except for the carve-outs described below, you and Simple-C agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service that is not resolved informally shall be resolved exclusively by final and binding arbitration, rather than in court. The arbitration shall be administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules and, where applicable, its Consumer Arbitration Rules. The arbitration shall take place in Maricopa County, Arizona, or, at your election, by telephone, videoconference, or on the basis of written submissions. The arbitrator’s award shall be final and may be entered as a judgment in any court of competent jurisdiction. The allocation of arbitration fees shall be governed by the applicable AAA rules. This arbitration agreement is governed by the Federal Arbitration Act.

Class Action Waiver: YOU AND SIMPLE-C AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a representative or class proceeding. You and Simple-C also waive any right to a trial by jury. If this Class Action Waiver is found to be unenforceable as to a particular claim, then that claim shall be severed and litigated in the courts identified below, while all other claims remain subject to arbitration.

Carve-Outs: Notwithstanding the foregoing, either party may (a) bring an individual action in small claims court for disputes within that court’s jurisdiction, and (b) seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property or confidentiality rights. For any dispute not subject to arbitration, you agree to submit to the exclusive jurisdiction of the state and federal courts located in Maricopa County, Arizona.

Right to Opt Out: You may opt out of this arbitration agreement and class action waiver by sending written notice to info@simple-c.net within 30 days of first accepting these Terms, stating your name and your intent to opt out. Opting out will not affect any other provision of these Terms, and you will retain the right to litigate disputes in the courts identified above.

20. General Provisions

Entire Agreement: These Terms, together with our Privacy Policy and Acceptable Use Policy, constitute the entire agreement between you and Simple-C regarding the Service and supersede all prior agreements, understandings, and communications, whether written or oral.

Severability: If any provision of these Terms is held invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from these Terms, and the remaining provisions shall continue in full force and effect.

Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of Simple-C.

Assignment: You may not assign or transfer these Terms, or any rights or obligations hereunder, without our prior written consent. We may assign these Terms freely without restriction. These Terms shall be binding upon and inure to the benefit of the parties and their permitted successors and assigns.

Force Majeure: We shall not be liable for any failure or delay in performance due to causes beyond our reasonable control, including acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

Notices: We may provide notices to you by email, through the Service, or by posting on our website. Notices to us should be sent to info@simple-c.net.

Privacy Policy

Last updated: June 13, 2026

This Privacy Policy explains how Simple-C (“we,” “us,” or “our”) collects, uses, discloses, and protects your personal information when you use the Service. It applies to information we process as a controller. For information that you upload about your own clients or business (“User Content”), you act as the controller and we act as a processor on your behalf, processing such data only to provide the Service in accordance with our Terms of Service. Where you require one, we will make a Data Processing Addendum available to govern our processing of such data on your behalf.

1. Who We Are (Data Controller)

The data controller responsible for your personal information is Simple-C LLC, an Arizona limited liability company, contactable at info@simple-c.net. For any privacy-related request, please use this address and identify your request clearly.

2. Information We Collect

  • Account and contact data: name, email address, business name, and login credentials.
  • Billing data: subscription details and payment information processed by our payment provider (we do not store full card numbers on our servers).
  • User Content: financial records, transactions, bank-statement documents, attachments, and related data you upload or import, which may include information about your own clients.
  • Banking data: where you connect a financial account, transaction and account information obtained through our bank-linking provider.
  • Usage and device data: log data, IP address, browser type, pages visited, and interactions collected through analytics tools and cookies (see our Cookies Policy below).

3. How and Why We Use Your Information

We process personal information to: create and manage your Account and provide the Service; authenticate logins and secure the platform; process payments and manage subscriptions; provide customer support and send service-related communications (including login details after purchase, product updates, and tutorials); improve and develop the Service; and comply with our legal obligations. We rely on the following grounds to process personal information: the performance of our contract with you; our legitimate interests in operating, securing, and improving the Service (including analytics); your consent, where we ask for it (for example, for marketing communications); and compliance with our legal obligations.

We do not use your data for automated decision-making that produces legal or similarly significant effects, nor do we create profiles that produce such effects. We do not sell your personal information.

4. Service Providers and Sub-Processors

We share personal information with trusted third-party providers only as necessary to operate the Service and under appropriate contractual safeguards. These include providers of payment processing (Authorize.Net), bank-account linking (Plaid), document and bank-statement OCR processing, hosting and infrastructure, error monitoring, and analytics (such as PostHog and Google Analytics). When you link a financial account, Plaid processes your banking credentials and account information on our behalf; Plaid’s handling of that data is described in the Plaid End User Privacy Policy. Each provider may process data subject to its own privacy policy. We do not otherwise transfer your data to third-party controllers except where required by law.

5. Where We Process Your Information

We are based in the United States, and your information is processed in the United States. Some of our service providers may process limited data in other countries; where they do, we require appropriate contractual safeguards to protect your information.

6. Data Retention

We retain personal information for as long as your Account is active and for up to twelve (12) months following cancellation or termination, consistent with Section 6 of our Terms of Service, unless a longer period is required by law or you request earlier deletion in writing. Once the applicable retention period elapses, we will delete or anonymize your data.

7. Your Rights

Depending on the U.S. state in which you reside, you may have the right to access the personal information we hold about you, to request that we correct or delete it, and to opt out of certain uses of your personal information. You may also withdraw consent to any processing based on consent at any time. To exercise any of these rights, contact us at info@simple-c.net, and we will respond as required by applicable law. If we deny your request, you may have the right to appeal or to contact your state attorney general.

California residents (CCPA/CPRA): You have the right to know what personal information we collect, to request access to or deletion of that information, to correct inaccurate information, and to opt out of any “sale” or “sharing” of personal information. We do not sell or share your personal information as those terms are defined under California law, and we have configured our analytics so they are not used for cross-context behavioral advertising. Where required, we honor opt-out preference signals such as the Global Privacy Control (GPC) transmitted by your browser. We will not discriminate against you for exercising any of these rights. To make a request, contact us at info@simple-c.net.

8. Security

We implement reasonable technical and organizational measures—including encryption of data in transit, access controls, and ongoing monitoring—designed to protect your personal information against unauthorized access, loss, or misuse. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security. In the event of a data breach affecting your personal information, we will notify you and any applicable authorities as required by applicable law, including Arizona Revised Statutes § 18-552.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the revised version on this page and update the “Last updated” date above. Material changes will be communicated where practicable.

Cookies Policy

Last updated: June 13, 2026

Our website uses cookies to improve your experience. Cookies are small text files stored on your device that help us understand how you interact with our site and allow us to provide a better service.

Types of Cookies We Use

Essential Cookies: These cookies are necessary for the website to function properly. They enable core functionality such as authentication, session management, and security. You cannot opt out of these cookies as the Service would not work without them.

Analytics Cookies: We use analytics tools (such as Google Analytics) to collect anonymous data about how visitors use our site, including pages visited, time spent, and navigation patterns. This data helps us improve the website and understand user needs. These cookies do not collect personally identifiable information.

Functional Cookies: These cookies remember your preferences and settings (such as language or display options) to provide a more personalized experience.

Third-Party Cookies

Some cookies are placed by third-party services that appear on our pages. We use services such as PostHog and Google Analytics for usage statistics and Authorize.Net for payment processing. These third parties may set their own cookies subject to their respective privacy policies, which we encourage you to review.

Cookie Duration

Session Cookies: These are temporary cookies that are deleted when you close your browser. They are used for authentication and session management.

Persistent Cookies: These cookies remain on your device for a set period (typically up to 12 months) or until you delete them. They are used for analytics and to remember your preferences.

Managing Cookies

You can control and manage cookies through your browser settings. Most browsers allow you to block or delete cookies, view which cookies are stored, and set preferences for certain websites. Please note that disabling essential cookies may prevent you from using certain features of the Service. For more information on managing cookies, consult your browser's help documentation.

Acceptable Use Policy

Last updated: June 13, 2026

Simple-C is a professional bookkeeping tool designed to help you manage your business finances. By using the Service, you agree to use it responsibly and in accordance with the following guidelines.

Prohibited Activities

You may not use Simple-C to:

  • Enter false, misleading, or fraudulent financial data with the intent to deceive third parties, tax authorities, or auditors.
  • Facilitate or conceal any form of money laundering, tax evasion, or financial fraud.
  • Attempt to reverse-engineer, decompile, or extract the source code of the software.
  • Share your account credentials with unauthorized users or allow others to access your account.
  • Use automated scripts, bots, or other tools to access or interact with the Service in a manner not intended by Simple-C.
  • Upload or transmit any malicious code, viruses, or harmful files through the Service.

Account Suspension and Termination

Simple-C reserves the right to suspend or terminate any account that violates these guidelines. If we determine that a violation has occurred, we will notify you via email with a description of the violation. For minor violations, you will be given an opportunity to correct the behavior. For severe violations (such as fraud or illegal activity), your account may be terminated immediately.

If your account is terminated due to a violation of these guidelines, you will not be entitled to a refund for any remaining subscription period. You may contact us at info@simple-c.net to appeal a suspension or termination decision within 30 days of the action.

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