Terms of Service

In plain English: use involy to run your business, pay your subscription, own your data, and follow the rules. The AI features give you useful financial insight — not licensed tax advice. Disputes are governed by California law.

Acceptance of terms

By creating an account or using involy in any way, you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the service.

These Terms constitute a legally binding agreement between you and ThinkOpen Inc.("ThinkOpen," "we," "us," or "our"), a California corporation located at 5420 McConnell Ave, Los Angeles, CA 90066.

Description of service

involy is an AI-assisted invoicing, proposal, and financial-overview platform for self-employed individuals and small businesses. It lets you send invoices and proposals, collect online payments, track income and expenses, and access an AI-generated view of your cash flow and financial health.

Early access.involy is currently in early access. Features, pricing, and interfaces may change. We will provide reasonable notice of material changes. The service is provided "as is" during this period — see the Disclaimers section for the scope of our warranties.

Accounts & eligibility

To use involy you must:

• Be at least 18 years of age.
• Have the legal capacity to enter into a binding contract in your jurisdiction.
• Use the service for lawful business purposes only — not for personal consumer use.
• Provide accurate and complete registration information.
• Keep your account credentials secure and confidential.

You are responsible for all activity that occurs under your account. If you suspect unauthorized access, notify us immediately at security@involy.app.

One account per person unless you have our written consent for multiple accounts. You may not share credentials across team members during early access (multi-user features are on our roadmap).

Acceptable use

You agree not to use involy in any way that:

• Violates any applicable law, regulation, or third-party right (including intellectual property and privacy rights).
• Involves sending invoices or proposals for fraudulent, illegal, or deceptive transactions.
• Attempts to probe, scan, or test the vulnerability of our systems, or circumvent authentication or security controls, without our prior written consent.
• Introduces malware, viruses, or other harmful code into the service.
• Uses automated means (bots, scrapers) to access the service at a rate that places unreasonable load on our infrastructure, except through our published API under agreed rate limits.
• Misrepresents your identity or affiliation with any person or entity.
• Facilitates money laundering, tax fraud, or any other financial crime.

We reserve the right to suspend or terminate accounts that violate this policy without prior notice.

Your content & data ownership

You own your data.The invoices, client records, expense entries, proposals, and any other business information you enter into involy ("Your Content") remain your property at all times. We do not claim ownership of Your Content.

By using involy, you grant ThinkOpen Inc. a limited, non-exclusive, worldwide, royalty-free license to store, process, display, and transmit Your Content solely as necessary to provide the service to you. This license ends when you delete the content or close your account (subject to legal retention requirements described in our Privacy Policy).

You represent and warrant that you have all rights necessary to provide Your Content to us and that Your Content does not infringe any third-party intellectual property or privacy rights.

Export your data anytime. You can export your invoices, client list, and expense records from your account settings at any time. We will not hold your data hostage.

Payments, plans & billing

Plans

involy offers three subscription tiers:

• Free — core invoicing and manual payment recording at no cost. No credit card required.
• Pro — $12/month — online card and ACH payments, full AI accountant features, and advanced reporting.
• Business — $29/month — everything in Pro, plus higher usage limits and priority support.

Founding price lock. Subscribers who join during early access will have their subscription price locked at the rate in effect at the time they subscribe, for as long as they maintain continuous active subscriptions.

Billing

Paid subscriptions are billed monthly in advance. All payments are processed by Stripe. By subscribing, you authorize us to charge your payment method on a recurring basis until you cancel. Prices are in USD and are exclusive of any applicable taxes. You are responsible for any sales, use, VAT, or similar taxes that may apply in your jurisdiction.

Refunds

Subscription fees are non-refundable except where required by applicable law. If you cancel mid-cycle, your access continues until the end of the current billing period and you will not be charged for the next period. We may issue prorated refunds at our sole discretion in cases of service disruption or other extraordinary circumstances.

Price changes

We may change subscription pricing with at least 30 days' advance notice. Founding-price-locked subscribers are exempt from price increases on their locked tier for as long as they maintain continuous subscriptions.

Cancellation & termination

You may cancel at any time from your account settings or by contacting legal@involy.app. Cancellation takes effect at the end of the current billing cycle.

We may suspend or terminate your account immediately if you violate these Terms, if we are required to do so by law, or if we determine at our reasonable discretion that continued access poses a risk to our systems, other users, or third parties. Where possible we will provide advance notice and an opportunity to remedy the violation.

Upon termination, you retain the right to export your data for 30 days. After that period, we will delete your data in accordance with our Privacy Policy.

IMPORTANT — Not financial, tax, or accounting advice

involy's AI features are informational tools, not professional financial, tax, or accounting advice.

The AI accountant, cash-flow summaries, budget projections, and any other AI-generated output are based solely on the data you have entered into involy. They are provided for general informational purposes only and should not be relied upon as a substitute for advice from a licensed CPA, tax professional, financial advisor, or attorney.

You are solely responsible for your own tax filings, financial decisions, and compliance with applicable tax and accounting regulations. involy does not prepare tax returns, does not provide audited financial statements, and is not a regulated financial institution. Always consult a qualified professional before making significant financial or tax decisions.

AI output may be incomplete, inaccurate, or outdated. Tax laws change; AI models have knowledge cutoffs; your specific situation may involve factors the AI cannot know. Verify all AI-generated figures against your actual records.

Disclaimers & limitation of liability

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR ACCURACY OF INFORMATION.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS. INVOLY IS IN EARLY ACCESS AND IS ACTIVELY DEVELOPED; DOWNTIME, BUGS, AND CHANGES ARE EXPECTED.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THINKOPEN INC., ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, INCLUDING LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF DATA, OR BUSINESS INTERRUPTION, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) ONE HUNDRED US DOLLARS ($100).

Some jurisdictions do not allow the exclusion of implied warranties or limitation of liability for consequential damages, so the above limitations may not apply to you in full.

Indemnification

You agree to defend, indemnify, and hold harmless ThinkOpen Inc. and its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the service in violation of these Terms; (b) Your Content; (c) your violation of any applicable law or third-party right; or (d) any dispute between you and a client of yours arising from an invoice or proposal sent through involy.

Governing law & dispute resolution

These Terms are governed by and construed in accordance with the laws of the State of California, USA, without regard to its conflict-of-laws principles.

Informal resolution first. Before filing any formal legal claim, you agree to contact us at legal@involy.app and give us 30 days to attempt to resolve the dispute informally. We will do the same.

Binding arbitration. If we cannot resolve the dispute informally, any claim or controversy arising out of or relating to these Terms or the service will be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules and Procedures, seated in Los Angeles, California. You waive any right to a jury trial and the right to participate in a class action or representative proceeding. Nothing in this clause prevents either party from seeking emergency injunctive relief in a court of competent jurisdiction to prevent irreparable harm.

Small claims.Either party may bring an individual claim in small claims court in Los Angeles County if the claim qualifies under that court's jurisdictional limits.

Changes to terms

We may update these Terms from time to time. When we make material changes, we will post the updated Terms here and update the effective date. For significant changes, we will send notice to the email on your account at least 14 days before the changes take effect. Your continued use of involy after the effective date constitutes acceptance. If you do not agree, you may cancel your account before the effective date.

Contact us

Questions about this document or your data? We read every message.

involy / ThinkOpen Inc.
5420 McConnell Ave, Los Angeles, CA 90066
Privacy: privacy@involy.app
Legal: legal@involy.app
Security: security@involy.app

This document is provided for transparency and is not legal advice. involy is in early access; we will post material changes here and, where required, notify you directly.