Terms of Service

By creating an account, uploading a file, connecting an accounting platform, generating a report, or otherwise using Wauvel, you agree to these Terms. If you do not agree, do not use the service.

You must be at least 18 years old and authorized to bind any business you represent.

We may update these Terms. For material changes — to permitted use, pricing, liability, or data handling — we will notify you by email at least 30 days before the change takes effect. Continued use of Wauvel after the effective date constitutes acceptance. The current version always lives at this URL, with the effective date at the top.

Wauvel is a self-service financial analysis tool. You provide financial statements — typically a profit and loss statement and balance sheet — either by uploading them or by connecting a QuickBooks Online company so we can retrieve them for you. Our system runs calculations on those statements and produces a written commentary describing what the numbers say, how they compare to prior periods, and a short list of items worth your attention. Higher subscription tiers add a forward-looking cash forecast and an interactive assistant you can ask about your own numbers; both are covered by Section 07.

Reports generated by Wauvel are informational. They are not financial, tax, legal, accounting, or investment advice, and they are not a substitute for the judgment of a qualified CPA, CFO, or financial advisor. Material business decisions should be reviewed with a qualified professional before action is taken.

Using Wauvel does not create a fiduciary, advisory, agency, or attorney-client relationship between you and Wauvel.

Wauvel is provided as a self-service tool for business owners, operators, and the bookkeepers, accountants, and advisors who work with them, to analyze business finances — your own or those of the businesses and clients you work with. You can connect and analyze more than one business under a single account.

You may not use Wauvel to:

1. resell, repackage, or sublicense Wauvel reports or analysis to third parties as a standalone product;
2. share your account credentials with anyone outside the subscribing business;
3. attempt to reverse-engineer, scrape, or extract the underlying models, prompts, or analysis logic;
4. use Wauvel to violate any applicable law, including securities, tax, or anti-fraud laws.

Subscriptions include unlimited report generation — there is no per-report charge and no monthly cap. Automated, scripted, or otherwise abnormal generation volume may be considered evidence of Restricted Use under Section 03.2.

We reserve the right to suspend or terminate any account we reasonably believe is in violation of this Section 03. We do not require business identity verification at signup, but may review account activity when investigating possible misuse.

You create an account by registering an email address and password. You are responsible for the accuracy of the information you provide.

You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. Notify us immediately at hello@wauvel.com if you suspect unauthorized access.

Each account is for a single human user. Internal employees of the subscribing business may each have their own account, but credentials should not be shared as a generic team login.

You retain all rights, title, and interest in the financial statements and other content you upload to Wauvel, as well as the financial data we retrieve on your behalf from a connected accounting platform such as QuickBooks Online (together, “Your Content”).

You grant Wauvel a limited, non-exclusive, royalty-free license to use Your Content solely for the purpose of operating the service for you — generating your reports, storing them in your account, and providing customer support. This license ends when you delete Your Content or close your account.

To generate your report, the calculated values and line-item categories from Your Content are sent to a third-party AI provider (currently Anthropic). The same provider also powers the optional conversational features — the in-app assistant you can ask about your numbers and the site-wide help bubble — so any question or text you type into those is sent to it as well. For report generation, identifying information — your name, your email, the file names you uploaded, the business name you typed into any field, or any accounting-platform account identifier — is not sent; for the conversational features, whatever you type is sent, so avoid putting such details into the chat. If you save notes to your company's memory (so future reports stay consistent), those notes are included with later reports and messages and sent to the AI provider the same way — so keep sensitive identifiers out of them too. By connecting an accounting platform and generating a report — or by using the conversational features — you consent to this processing by the AI provider. The AI provider's terms prohibit using customer data to train or fine-tune any AI model, and we never do so ourselves.

You may request deletion of Your Content at any time by emailing hello@wauvel.com. We will delete the requested files and the reports derived from them within 24 hours, except where we are required to retain certain records for legal, tax, or accounting purposes.

You are responsible for the accuracy of the financial statements you upload. Wauvel performs calculations and writes commentary based on what you provide; if the underlying data is wrong, stale, or incomplete, the report will reflect that.

If you connect an accounting platform — QuickBooks Online or Xero — you authorize Wauvel to retrieve your financial reports — profit and loss (including transaction-level detail where the platform provides it), balance sheet, cash flow, chart of accounts, and outstanding invoices and bills — and your company or organisation name, solely to generate your reports. Access is read-only; we do not write to, modify, or delete anything in your connected account. You can disconnect at any time, which revokes our access at the provider. Your use of QuickBooks or Xero remains governed by your agreement with that provider. Wauvel is an independent application and is not affiliated with, endorsed by, or sponsored by Intuit Inc. or Xero Limited.

If you connect a bank account, you authorize Wauvel to retrieve — read-only — your account and balance information through our banking-connection provider (Plaid) to show your cash position and forecast; you authenticate directly with Plaid, and your online-banking credentials are never shared with us. If you connect a delivery channel such as Slack or Microsoft Teams, you authorize Wauvel to send the reports, digests, or alerts you choose to that platform, where they are then governed by your agreement with that provider. You can disconnect either at any time. Wauvel is not affiliated with, endorsed by, or sponsored by Plaid Inc., Slack Technologies, or Microsoft Corporation.

New accounts start with a 7-day free trial of a paid plan. We collect a payment method up front to begin the trial, but we do not charge it during the trial period. At the end of the 7 days your subscription automatically continues on the plan you chose and we charge the then-current price, unless you cancel before the trial ends. Your trial end date is shown in your account.

Wauvel is offered in tiers — currently starting at $99 per month (or $990 per year, paid annually) for the entry tier, with higher tiers adding forecasting and an interactive AI CFO. The current tiers and prices are always posted on wauvel.com. Prices may change with at least 30 days' notice to existing subscribers.

Once a trial converts, subscriptions renew automatically at the end of each billing period until cancelled. You authorize Wauvel to charge your payment method on file when the trial ends and at each renewal.

You may cancel at any time from your account dashboard. If you cancel during the trial, you are not charged and your access ends when the trial period expires. If you cancel after the trial, cancellation takes effect at the end of the current billing period, and you keep access to the service and your prior reports through the end of that paid period.

Fees already paid are non-refundable. Because you get a 7-day free trial before any charge and can cancel future renewals at any time, we do not issue refunds for unused time on a current billing period, except where required by law.

Prices are exclusive of any applicable sales, use, value-added, or similar taxes, which are your responsibility.

Every account gets a personal referral link. When someone signs up through your link and becomes a paying subscriber, you earn a referral commission — currently ten percent (10%) of the payments they make to Wauvel, for as long as their subscription stays active and the program remains in effect. Referrals must be genuine: you may not refer yourself, create or coordinate accounts to refer one another, or use spam, paid search on our brand, or other deceptive or abusive means to generate sign-ups. We may withhold or reverse commissions, and suspend participation, for activity we reasonably believe is fraudulent or in breach of these Terms.

Commissions accrue as referred subscribers pay and are paid out manually once they meet any minimum and verification we apply. They are earned only on payments actually received, net of refunds, chargebacks, and fees. You are responsible for any taxes on amounts you earn, and we may require tax or payment information before paying out. We may change, pause, or end the referral program, or adjust the commission rate, at any time on reasonable notice; changes apply going forward and do not strip commissions already earned.

The written commentary in your report — and the answers given by the optional conversational assistant and the help bubble — are produced by a large language model (currently Claude, by Anthropic) operating on the calculated values from Your Content. The system can be wrong. It can miss things, misinterpret context, or generate confident-sounding text that is incorrect or inapplicable to your situation.

Before acting on, sharing, or transmitting any Wauvel report to a third party — including accountants, investors, lenders, regulators, or business partners — you should review it for accuracy and applicability to your specific circumstances.

As stated in Section 02.2: Wauvel reports are not financial, tax, legal, accounting, or investment advice.

Wauvelis provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Wauvel disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy or completeness of generated content.

We do not guarantee that the service will be uninterrupted, error-free, or available at any particular time. We may perform maintenance, deploy updates, or take the service offline temporarily without notice.

To the fullest extent permitted by law, Wauvel's total liability arising out of or related to these Terms or the service — whether in contract, tort, or otherwise — will not exceed the greater of (a) the fees you paid to Wauvel in the 12 months preceding the event giving rise to the claim, or (b) one hundred United States dollars ($100).

Wauvel will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost revenue, lost data, lost business opportunity, or damages arising from business decisions made in reliance on a Wauvel report, even if Wauvel has been advised of the possibility of such damages.

You acknowledge that the pricing of Wauvel reflects this allocation of risk, and that without these limitations, Wauvel would not be able to offer the service at the prices stated.

You may stop using Wauvel at any time and may cancel your subscription from your dashboard as described in Section 06.4.

We may suspend or terminate your account, with or without notice, if (a) you violate these Terms, including Section 03; (b) we are required to do so by law; or (c) we discontinue the service or a portion of it.

Upon termination, your right to use the service ends. We will retain Your Content for up to 30 days following termination, after which it will be deleted unless you request earlier deletion. Sections that by their nature should survive termination — including 05.1, 05.5, 06.7, 06.8, 07, 08, 09, 11, and 12 — survive.

These Terms are governed by the laws of the State of Maryland, United States, without regard to its conflict-of-laws principles.

Before filing a formal claim, you agree to contact us at hello@wauvel.com to attempt to resolve the dispute informally. We will make a good-faith effort to do the same.

Any unresolved dispute will be brought exclusively in the state or federal courts located in Montgomery County, Maryland, and you and Wauvel consent to the personal jurisdiction of those courts.

Questions about these Terms? Email hello@wauvel.com.

These Terms are effective as of August 4, 2026.