Legal
Effective Date: March 23, 2026
Last Updated: March 23, 2026
This End-User License Agreement and Terms of Service ("Agreement") is a legal agreement between you ("User," "you," or "your") and Continuum Consulting LLC ("Company," "we," "us," or "our"), a New Hampshire limited liability company, governing your use of Owner Brief (ownerbrief.com), including all associated software, content, and services (collectively, the "Service").
By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by this Agreement. If you do not agree, do not use the Service.
Owner Brief is a software-as-a-service product that generates weekly AI-powered financial briefings ("Briefs") for small business owners. The Service connects to your QuickBooks or Xero accounting platform via read-only OAuth 2.0 authorization, retrieves relevant financial data, processes that data using artificial intelligence, and delivers a written Brief to your email address on a recurring schedule.
You must be at least 18 years of age and have the legal authority to enter into this Agreement. If you are using the Service on behalf of a business entity, you represent that you have the authority to bind that entity to this Agreement.
You agree to provide accurate, current, and complete information during registration and to keep your account information updated. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately at support@ownerbrief.com if you become aware of any unauthorized use of your account.
Owner Brief offers subscription plans as described on our pricing page. Prices are listed in U.S. dollars and are subject to change with 30 days' notice.
New users may be eligible for a free trial period as described at signup. No credit card is required during the trial. At the end of the trial period, your account will be downgraded unless you subscribe to a paid plan.
Paid subscriptions are billed in advance on a monthly or annual basis through Braintree (a PayPal company). By subscribing, you authorize us to charge your selected payment method on a recurring basis until you cancel.
You may cancel your subscription at any time through your account settings. Upon cancellation, your access to the Service will continue through the end of your current billing period. No refunds will be issued for partial billing periods.
If you are dissatisfied with the Service, you may request a refund within 14 days of your initial paid subscription. Refund requests should be directed to support@ownerbrief.com. Refunds are issued at our discretion for initial subscriptions only; renewal periods are non-refundable.
You agree to use the Service only for lawful purposes and in accordance with this Agreement. You agree not to:
The Service, including its software, design, text, graphics, algorithms, Brief templates, quality gate logic, and all other content created by us, is the property of Continuum Consulting LLC and is protected by applicable intellectual property laws. This Agreement grants you a limited, non-exclusive, non-transferable, revocable license to use the Service for your internal business purposes during the term of your subscription.
You retain all ownership rights to the financial data you provide to the Service through your connected accounting platforms. We claim no ownership over your accounting data or the financial information contained in your Briefs.
The Briefs generated by the Service are derivative works created from your data using our proprietary algorithms and AI processing. You are granted a perpetual, non-exclusive license to use, copy, and distribute your Briefs for your internal business purposes. We retain the right to use anonymized, aggregated patterns from Brief generation to improve the Service, but we will never share, publish, or disclose your individual Brief content or underlying financial data.
The Service integrates with QuickBooks (Intuit) and Xero via their respective APIs. Your use of these integrations is also subject to the terms of service of those platforms. We are not responsible for changes to, outages of, or access restrictions imposed by QuickBooks or Xero. If your accounting platform revokes or expires our access tokens, Brief generation will be paused until you re-authorize the connection.
Briefs are generated using third-party artificial intelligence services. While we implement quality gates to verify Brief accuracy, AI-generated content may occasionally contain errors. See Section 9 (Disclaimers) for important limitations.
Our collection, use, and protection of your data is governed by our Privacy Policy. By using the Service, you consent to the data practices described in the Privacy Policy. Key points include:
THE SERVICE PROVIDES AI-GENERATED FINANCIAL SUMMARIES AND OBSERVATIONS BASED ON YOUR ACCOUNTING DATA. THE BRIEFS ARE NOT FINANCIAL ADVICE, TAX ADVICE, INVESTMENT ADVICE, OR ACCOUNTING SERVICES. THE SERVICE IS NOT A SUBSTITUTE FOR PROFESSIONAL FINANCIAL, TAX, OR ACCOUNTING COUNSEL. YOU SHOULD CONSULT A QUALIFIED PROFESSIONAL BEFORE MAKING FINANCIAL DECISIONS BASED ON INFORMATION IN YOUR BRIEFS.
BRIEFS ARE GENERATED USING ARTIFICIAL INTELLIGENCE AND MAY CONTAIN ERRORS, INACCURACIES, OR OMISSIONS. WHILE WE EMPLOY A MULTI-RULE QUALITY GATE SYSTEM TO VERIFY BRIEF ACCURACY BEFORE DELIVERY, WE DO NOT GUARANTEE THAT ALL INFORMATION IN YOUR BRIEFS IS ACCURATE, COMPLETE, OR CURRENT. YOU ARE RESPONSIBLE FOR VERIFYING ANY INFORMATION BEFORE ACTING ON IT.
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CONTINUUM CONSULTING LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, BUSINESS OPPORTUNITIES, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THIS AGREEMENT SHALL NOT EXCEED THE TOTAL AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
You agree to indemnify, defend, and hold harmless Continuum Consulting LLC and its officers, directors, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service, your violation of this Agreement, or your violation of any rights of another party.
This Agreement is effective upon your creation of an account and remains in effect until terminated.
You may terminate this Agreement at any time by canceling your subscription and deleting your account.
We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice. Grounds for termination include but are not limited to violation of this Agreement, non-payment, or conduct that we determine is harmful to other users or to us.
Upon termination, your right to use the Service ceases immediately. We will delete your account data within 30 days of termination, except as required by law or as described in our Privacy Policy. Sections 6, 9, 10, 11, 13, and 14 survive termination.
This Agreement shall be governed by and construed in accordance with the laws of the State of New Hampshire, without regard to its conflict of law provisions. Any dispute arising out of or relating to this Agreement shall be resolved exclusively in the state or federal courts located in Strafford County, New Hampshire, and you consent to the personal jurisdiction of such courts.
This Agreement, together with the Privacy Policy, constitutes the entire agreement between you and us regarding your use of the Service and supersedes all prior agreements and understandings.
If any provision of this Agreement is found to be unenforceable, the remaining provisions shall remain in full force and effect.
Our failure to enforce any right or provision of this Agreement shall not constitute a waiver of that right or provision.
You may not assign or transfer this Agreement without our prior written consent. We may assign this Agreement without restriction.
We reserve the right to modify this Agreement at any time. We will provide notice of material changes via email or through the Service. Your continued use of the Service after such changes constitutes acceptance of the modified Agreement.
If you have questions about this Agreement, please contact us at:
Continuum Consulting LLC
support@ownerbrief.com
Dover, New Hampshire, USA
© 2026 Continuum Consulting LLC