1. Acceptance of Terms

By creating an account, or by connecting a QuickBooks Online company to the Service, you agree to these Terms and our Privacy Policy. You must be at least 18 years old and acting as a business or on behalf of one. If you accept these Terms on behalf of a company, you represent that you are authorized to do so.

2. Description of Service

Noah's Accounting provides AI-assisted receipt parsing, journal entry drafting, QuickBooks Online integration, and financial reporting tools for bookkeepers and their clients. Every journal entry is created as a draft. Nothing is posted to QuickBooks Online until a human bookkeeper reviews and approves it.

3. User Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your firm account, including actions taken by the clients you invite. We are not liable for losses arising from credentials you failed to keep confidential. Notify us immediately if you believe your account has been accessed without authorization.

4. Acceptable Use

You agree not to: (a) upload fraudulent or misleading receipts, (b) attempt to access another user's data without authorization, (c) use the Service for any illegal purpose, (d) reverse engineer, overload, or disrupt the Service.

5. Not Professional Advice

We are not a CPA firm. Global Balance is not a certified public accounting firm and does not provide certified public accounting services.

We do not provide tax advice, tax preparation, or tax filing. This includes the free IRS transaction classifier and any category, schedule, or deduction suggested anywhere in the Service. Those outputs are drafting aids for a qualified professional to review, not tax positions you may rely on. We are not affiliated with, endorsed by, or approved by the Internal Revenue Service or any other tax authority.

Our reports are not audited. Financial statements produced by the Service are for business monitoring and do not constitute an audit, review, compilation, or any form of assurance engagement.

No fiduciary relationship. Nothing in these Terms creates a fiduciary, advisory, or investment-advisory relationship between you and us. We are a technology provider.

6. AI Processing & Data Handling

Receipts and financial documents are processed using Google Vertex AI under Google Cloud's enterprise terms, which prohibit the use of customer content to train Google's models. We do not send your documents to consumer-grade AI tools.

We keep our own bookkeeping memory so repeat vendors are suggested correctly. Section 4 of our Privacy Policy explains exactly what that memory holds and how to be excluded from it. All data is encrypted in transit and at rest.

AI output is a draft. You remain responsible for reviewing every entry before approving it.

7. Your Data & QuickBooks Online

You retain full ownership of your financial data, documents, and business information. We claim no rights over them beyond what is needed to operate the Service for you.

You are solely responsible for the accuracy, completeness, and legality of everything submitted to the Service. Our output is only as reliable as the documents you provide, and we are not liable for errors caused by inaccurate, illegible, incomplete, forged, or unauthorized source documents.

Connecting QuickBooks Online requires your explicit OAuth authorization, and you may revoke it at any time from your QuickBooks settings. QuickBooks Online is operated by Intuit Inc., not by us. We are not responsible for its availability, outages, pricing, policy changes, or for data loss or corruption occurring inside the QuickBooks platform itself.

8. Bookkeeping Errors & Sole Remedy

Bookkeeping errors can occur even with human review. If you or your CPA identify a categorization or bookkeeping error made by us, notify us at [email protected] and we will investigate and correct the entry at no additional charge.

Correction of the entry is your sole and exclusive remedy. To the maximum extent permitted by law, we disclaim liability for, and will not compensate you for, tax penalties, interest, fines, audit costs, business disruption, or any other financial loss arising from a bookkeeping error or omission.

9. Billing & Subscriptions

Subscriptions are billed monthly via PayPal. There is no annual plan, and no free trial that converts into a charge. The Free plan includes 25 lifetime journal entries and 1 client slot, and requires no payment method.

Paid client slots are $25/month each with unlimited journal entries — your monthly total is $25 multiplied by the number of slots on your subscription. A change to the slot count takes effect on your next billing date; slots added mid-cycle are not pro-rated and are not refunded. You may cancel at any time; cancellation takes effect at the end of the current billing period, and we do not issue partial refunds for unused time. We may change pricing with 30 days' notice.

Referral bonuses grant the referrer one free client slot, up to five. A bonus slot is tied to the referred subscription: if the referred user cancels, a 7-day grace period applies before that bonus slot is removed.

Connected clients are never disconnected automatically — if you hold more clients than slots, new journal entries pause for the most recently connected clients until a slot is added.

10. Intellectual Property

The Service — including its software, models, prompts, dashboard design, and documentation — is owned by Global Balance and protected by intellectual property law. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your internal business operations while your account is active. You may not copy, resell, sublicense, or create derivative works from the Service.

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT THE PARSING ENGINE WILL READ EVERY DOCUMENT CORRECTLY.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES YOU PAID US IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) USD 100.

WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOST DATA, TAX PENALTIES, OR THE COST OF SUBSTITUTE ACCOUNTING OR TAX SERVICES.

We are not liable for failures caused by events beyond our reasonable control, including natural disasters, war, network or power outages, cyberattacks, government action, or outages at Intuit, Google Cloud, Supabase, Cloudflare, Railway, PayPal, or Resend.

Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

13. Indemnification

You agree to indemnify and hold harmless Global Balance and its representatives from any claim, damage, loss, or expense (including reasonable legal fees) arising from documents you submitted that were inaccurate, fraudulent, or that you were not authorized to submit, from your violation of these Terms, or from your violation of any law or third-party right.

14. Data Retention & Deletion

We retain your data for as long as your account exists, so that your books stay available to you and to your clients.

You may delete your account at any time from your dashboard, and you may request deletion by writing to [email protected]. We complete deletion requests within 30 days. Deleting a client removes that client's receipts, journal entries, QuickBooks tokens, messages, and related records from our systems.

Journal entries already posted to QuickBooks Online remain in your QuickBooks account — those are your books, and we cannot remove them for you. We may retain records the law requires us to keep, and backup copies may persist for a short period before being overwritten.

15. Termination

We may suspend or terminate an account that violates these Terms, or that has been inactive for more than 12 consecutive months, with notice where practical. On termination, QuickBooks integration is disconnected and Section 14 governs your data.

16. Governing Law & Disputes

These Terms are governed by the laws of the Republic of Korea, without regard to conflict-of-law rules. The parties agree that the Seoul Central District Court shall have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the Service, subject to any mandatory consumer-protection rule of your country of residence that cannot be waived by agreement.

You agree to bring claims only in your individual capacity, and not as a plaintiff or class member in any class or representative proceeding.

Before filing anything, please write to [email protected] — most issues are resolved faster that way.

17. Changes to Terms

We may update these Terms. For material changes we will give notice by email or in the dashboard before they take effect. Continued use after the effective date constitutes acceptance. If a provision is held unenforceable, the rest remains in force.

18. Company Information

Global Balance
Representative: Jang Jae Gyu
Business registration number: 894-28-02090
Medipia Bldg Suite 601, 1069 Hyohaeng-ro, Byeongjeom-gu,
Hwaseong-si, Gyeonggi-do 18398, Republic of Korea
[email protected]

1. Information We Collect

You give us: account information (name, email, password, firm name), financial documents (receipts, invoices, statements you upload or email in), and support messages.

QuickBooks gives us, with your authorization: your chart of accounts, vendor list, transactions, and report data for the companies you connect.

We generate: parsed receipt fields, draft journal entries, financial reports, and health metrics.

Collected automatically: basic usage and device data needed to run and debug the Service. We do not keep an access log of IP addresses.

When a bookkeeper invites a client, we collect that client's email address and, once they connect, their company's QuickBooks data. The bookkeeper decides what is uploaded and reviewed; we process it on their instruction.

2. How We Use Your Information

To parse documents, draft journal entries, sync approved entries to QuickBooks Online, produce financial reports, send service notifications, provide support, bill your subscription, secure the Service against fraud and abuse, and meet legal obligations. We do not sell your data, share it for advertising, or use it to build profiles about you.

3. AI Processing

Receipt images and document text are sent to Google Vertex AI for parsing and classification, under Google Cloud's enterprise terms, which prohibit using customer content to train Google's models. Data is encrypted in transit. We do not use consumer-grade AI tools such as AI Studio for customer documents.

4. Our Bookkeeping Memory

So that a vendor you have already categorized is suggested correctly next time, we keep a memory of your corrections. Being specific about it matters, so:

Per client. For each client we store vendor names, the accounts they were posted to, how often, and running totals of the amounts involved. This is used only for that client.

Shared dictionary. A separate dictionary of vendor-to-account mappings is applied across all customers. It holds vendor names and account codes only — no amounts, no document images, no customer or client identifiers, and no contact details. Entries reach it from reviewed corrections and from standard accounting reference material.

Never used this way. Receipt images, amounts, personal contact details, and QuickBooks credentials are never placed in the shared dictionary.

Opting out. Write to [email protected] and we will exclude your corrections from the shared dictionary and remove any of your entries already in it. Your own per-client memory keeps working, so the quality of your service does not change.

5. Data Security

Data is encrypted in transit (TLS) and at rest. Receipt files are stored in a private bucket and are reachable only through short-lived signed links, never a public URL. QuickBooks tokens are encrypted before storage, and the Service refuses to start without its encryption key. Access to production data is limited to authorized personnel. Rate limiting, input validation, and origin restrictions are applied to the API.

No system is perfectly secure, and we cannot guarantee absolute security.

6. QuickBooks Online Integration

When you connect QuickBooks Online we access your company data — chart of accounts, vendors, transactions, reports — to draft and post entries and to build your reports. This access is governed by Intuit's OAuth 2.0 terms and can be revoked at any time from your QuickBooks settings. We never see or store your QuickBooks password.

7. Service Providers

We share data with the providers that run the Service, each bound to process it only for us: Intuit (QuickBooks Online sync), Supabase (database, authentication, file storage), Google Cloud (Vertex AI parsing), Railway (application hosting), Cloudflare (site delivery and inbound receipt email), PayPal (subscription billing), and Resend (transactional email).

We do not sell personal data, and we do not share it for advertising. We disclose data to authorities only where legally required.

8. International Transfers

We operate from the Republic of Korea and our providers operate in the United States and other countries, so your data is transferred internationally. Where required, transfers rely on Standard Contractual Clauses or an equivalent safeguard, together with encryption in transit and at rest.

9. Email Notifications

We send transactional email: receipt upload confirmations, journal entries awaiting review, questions from your bookkeeper, password reset codes, billing notices, and referral updates. Each client can be given a dedicated receipt address; mail sent to it is processed as a receipt submission. Service emails are part of the Service and cannot be turned off while your account is active, though you can unsubscribe from optional summaries.

10. Data Retention

We keep your data while your account exists. Delete your account from the dashboard, or write to [email protected], and we complete deletion within 30 days. Deleting a client removes that client's receipts, journal entries, QuickBooks tokens, messages, and related records.

Password reset codes expire after 15 minutes. Entries already posted to QuickBooks Online stay in your QuickBooks account. We may keep records the law requires us to keep, and backups may hold copies briefly before being overwritten.

11. Your Rights

Wherever you are, you may ask us to access, correct, export, or delete your personal data, and we will respond within 30 days. Write to [email protected]. Financial reports and ledgers can also be exported from the dashboard at any time.

EEA and UK. We process your data to perform our contract with you, to meet legal obligations, and for our legitimate interest in securing and improving the Service. You may object to processing, request restriction, withdraw consent where processing is based on it, and lodge a complaint with your data protection authority.

California. You may request the categories and specific pieces of personal information we collected, request deletion, and opt out of sale — we do not sell personal information. We will not discriminate against you for exercising these rights.

Korea. You may request access, correction, deletion, and suspension of processing under the Personal Information Protection Act, and may raise disputes with the Personal Information Dispute Mediation Committee.

If your bookkeeper invited you. Your bookkeeper decides what is processed for your company. Send requests to us and we will act on them together with your bookkeeper.

12. Breach Notification

If a security breach is likely to put your data at risk, we will notify affected users without undue delay and no later than 72 hours after we become aware of it, describing what happened, what data was involved, what we have done, and what you should do. We will notify supervisory authorities where the law requires it, and coordinate with Intuit for anything touching QuickBooks data.

13. Cookies

We use only what is strictly necessary to keep you signed in and your session secure. We run no analytics, advertising, or cross-site tracking, and we set no third-party marketing cookies. QuickBooks may set its own cookies during the authorization flow; those are governed by Intuit's privacy policy.

14. Children's Privacy

The Service is for businesses and is not directed to anyone under 18. We do not knowingly collect data from children, and will delete it promptly if we learn we have.

15. Changes to This Policy

We may update this Policy. Material changes will be announced by email or in the dashboard before they take effect, and the date above will change.

16. Contact

Support, privacy and data requests, and legal notices all reach us at [email protected]. A real person reads it.

Global Balance · Representative: Jang Jae Gyu · Business registration number: 894-28-02090
Medipia Bldg Suite 601, 1069 Hyohaeng-ro, Byeongjeom-gu, Hwaseong-si, Gyeonggi-do 18398, Republic of Korea