Terms of Service

These Terms of Service ("Terms") are an agreement between you and QuantaForge ("we," "us"), covering your use of Keelfile: our website, web app, and mobile app (the "Services"). Please read them. Our Privacy Policy explains what we do with your information and forms part of this agreement.

By creating an account or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

You must be at least 18 years old and able to enter a binding contract. The Services calculate United States federal and state income tax for individuals, including sole proprietors filing Schedule C. They are not built for corporate, partnership, trust, or estate returns, and not for tax years other than the one shown in the app.

You may use the Services for your own tax situation. Using them to prepare returns for other people as a paid preparer is not supported and brings obligations of your own that we do not cover.

Keelfile is tax preparation software. It organizes your records, suggests expenses that may be deductible, and calculates an estimated federal and state result so you can see where you stand.

We are not a CPA firm, an enrolled agent, or a law firm, and we do not give tax, legal, or accounting advice. Nothing in the Services is advice about your particular situation. Deductions the app identifies are potential deductions: whether one actually qualifies depends on facts only you know, and you are responsible for confirming each one. Consult a qualified tax professional for anything unusual or significant.

We do not file your return. Keelfile is not an IRS Authorized e-file Provider. The app produces a summary and exports for you to use when you file, by yourself or through a preparer.

Figures are estimates. They depend entirely on what you enter and import. State results in particular are labeled as estimates where we have not verified a state's bracket tables. You are responsible for the accuracy and completeness of your own return, and for any tax, interest, or penalties assessed against you.

Keep your password to yourself, use one you do not use anywhere else, and turn on two-factor authentication in Settings — it is the single most effective thing you can do to protect a tax account. You are responsible for what happens under your account. Tell us promptly at quantaforgetech@gmail.com if you believe someone else has access to it.

Provide accurate information and keep it current. We may suspend an account that appears to be compromised, or that is being used in breach of these Terms.

Access. There is no free trial. An account works until we mark it read-only — because a subscription was cancelled or lapsed, or because you asked us to. If that happens your data stays where it is and you can still read and export it; you just cannot add to it until you subscribe again.

Subscriptions. Plans and prices are shown on our pricing page and in the app at the time you subscribe. Subscriptions renew automatically for the same period until cancelled, at the price shown when you subscribe. We will give you notice before any price change takes effect for your renewal.

What a plan includes. Each plan comes with a monthly allowance of AI work — transactions categorized, documents read, and assistant messages — and the figures are published on the pricing page and shown in Settings alongside what you have used. The allowance resets at the start of each calendar month and unused allowance does not carry over. Everything that is not AI — entering and importing transactions, storing documents, and every tax calculation — is not metered. If we change an allowance we will give you notice before it takes effect for your renewal, on the same basis as a price change.

Payments. Web subscriptions are billed by Stripe. Android subscriptions are billed by Google Play, and those are governed by Google's terms as well as these. We never see your full card number.

Cancelling. You can cancel at any time. Cancel a web subscription from Settings, and a Google Play subscription in the Play Store — deleting the app does not cancel it. Your subscription runs to the end of the period you have already paid for; we do not pro-rate partial periods.

Refunds. Outside of any refund right you have under applicable law, payments are non-refundable. If something went genuinely wrong — you were charged twice, or charged after cancelling — email us and we will put it right. Google Play purchases are refunded through Google.

Taxes. Prices exclude any sales, use, or value-added tax, which we will add where we are required to collect it.

Do not:

• Use the Services to understate income, fabricate expenses or records, or otherwise evade tax. Legitimate deductions are the point; falsifying them is not.
• Upload documents or data belonging to someone else without their permission.
• Try to access another user's account or data, probe or interfere with our systems, or work around rate limits and authentication.
• Scrape, resell, or redistribute the Services, or use them to build a competing product.
• Upload malware, or content that is unlawful or infringing.

Security researchers: if you find a vulnerability, please report it to us privately at the address below before disclosing it. We will not pursue anyone acting in good faith under this paragraph.

Your transactions, documents, and answers remain yours. You give us only the permission we need to run the Services for you: to store your content, process it, send it to the providers listed in our Privacy Policy, and show it back to you. We do not sell it, and we do not use it to train our own models.

You are responsible for keeping your own copies of anything you need. Settings has an export that gives you everything as a file, and we recommend using it before you cancel or delete your account.

Categorization, document reading, and the assistant are powered by a third-party AI model, as described in our Privacy Policy. AI output can be wrong or incomplete, including in ways that look confident. Treat every suggestion as a starting point to check, not an answer to rely on. All tax calculations are performed by our own software rather than the model.

We aim to keep the Services available but do not promise uninterrupted access. We may change, add, or remove features. If we make a change that materially reduces what a paid plan provides, we will tell you, and you may cancel and ask for a refund of the unused part of your current period.

Tax law changes. We update the app's rules and figures as reliable guidance becomes available, but we cannot promise the app reflects every change at the moment it takes effect.

You can stop using the Services at any time and delete your account from Settings, which deletes your data as described in our Privacy Policy. We may suspend or end your access if you breach these Terms, if your payment fails, or if we are required to by law. If we end your access without cause, we will refund the unused part of your current period.

Except where the law says otherwise, the Services are provided "as is" and "as available," without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be error-free, that estimates will match your final tax liability, or that a deduction the app identifies will be accepted.

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

To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, or data. Our total liability arising out of or relating to the Services is limited to the greater of the amount you paid us in the twelve months before the event giving rise to the claim, or fifty US dollars.

Nothing in these Terms excludes liability that cannot lawfully be excluded, including for fraud or for death or personal injury caused by negligence. Some jurisdictions do not allow these limits, so parts of this section may not apply to you.

You agree to indemnify us against claims, losses, and reasonable costs arising from your misuse of the Services, your breach of these Terms, or content you upload that you had no right to upload.

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of law rules, and its courts have jurisdiction over any dispute. Nothing here takes away a right you have to bring a claim where you live, or to rely on consumer protections your home state gives you that cannot be waived by agreement — including the state privacy rights described in our Privacy Policy.

Before filing anything, please email us. Most problems are quicker to fix that way.

We may update these Terms. The date at the top shows when they last changed. For material changes we will give you notice in the app or by email before they take effect, and continuing to use the Services after that means you accept them. If you do not accept, cancel your subscription and stop using the Services.

QuantaForge — email quantaforgetech@gmail.com. We do not operate a public office, so email is the way to reach us, including for legal notices and security reports.