Effective March 27, 2026 · Governed by North Carolina law
These Terms of Service ("Terms") govern your access to and use of OperatorIQ ("Service"), operated by OperatorIQ LLC, a North Carolina limited liability company ("OperatorIQ," "we," "us," or "our"). By creating an account, subscribing to a plan, or accessing the demo, you agree to be bound by these Terms. If you do not agree, do not use the Service.
OperatorIQ is a software-as-a-service (SaaS) platform that connects to your QuickBooks, Square, and Xero accounts via OAuth, analyzes your financial data using artificial intelligence, and delivers insights, reports, dashboards, and financial analysis tools through a private web portal. The Service is provided as-is for informational and analytical purposes only.
The Service includes, but is not limited to: a live financial dashboard, AI-generated financial insights ("OIQ Analysis"), pricing intelligence tools, product performance analysis, revenue forecasting, goal tracking, document storage, weekly digest emails, threshold alert notifications, and access to the Ask Thalen AI analyst chat feature.
AI-generated insights are produced by large language models that may generate inaccurate, incomplete, or misleading information. You acknowledge and agree that:
You must be at least 18 years old and have the legal authority to enter into a binding contract on behalf of yourself or your business. The Service is intended for business use only and is not for personal, family, or household purposes.
You are responsible for maintaining the security of your account credentials. Notify us immediately at legal@myoperatoriq.com if you suspect unauthorized access.
The Service is offered on a monthly subscription basis, billed in advance via Stripe. Current standard pricing: Solo/SMB ($199/month), Multi-Location ($399/month), Enterprise ($799/month).
New Subscriber Guarantee: First-time subscribers may request a full refund within 30 days of their first payment by contacting legal@myoperatoriq.com. This applies once per customer and not to renewals.
Cancellations: Cancel at any time through the billing portal. Your subscription remains active through the end of the current billing period. No partial refunds for unused days. After cancellation, your data is accessible for 30 days, then deleted.
Free Trial: OperatorIQ may offer a 14-day free trial. No payment is collected until the trial ends. Cancel before the trial ends to avoid any charge. After the trial period, your subscription automatically converts to paid unless cancelled. Free trials are available once per customer.
Demo: The demo at myoperatoriq.com/demo uses fictional business data (Harvest Kitchen Co.) for demonstration purposes only. Submitting your email to access the demo opts you in to receive informational communications. Demo access does not create an account or subscription.
By connecting QuickBooks, Square, or Xero to OperatorIQ, you authorize us to access, retrieve, store, and analyze your financial data solely to provide the Service. OAuth tokens are encrypted at rest using AES-256-GCM. You may disconnect any integration at any time from the Connections page.
You represent that you have the legal right and authority to connect any third-party accounts to OperatorIQ. OperatorIQ is not responsible for errors, outages, or data changes originating from QuickBooks, Square, Xero, or any other third-party integration.
Documents you upload are stored in encrypted cloud storage (Cloudflare R2). You retain full ownership of all uploaded documents.
You agree not to:
The Service, including all software, AI models, prompts, designs, and trademarks, is owned by OperatorIQ LLC. You retain ownership of all data and financial information you provide. You grant OperatorIQ a limited, non-exclusive license to access, process, and analyze your data solely to provide the Service.
OperatorIQ may create de-identified, aggregated industry benchmarks ("Benchmark Data") derived from data across multiple clients. Benchmark Data cannot identify you or your business. Before including your data in Benchmark Data, OperatorIQ will provide at least 30 days written notice and an opt-out mechanism. Your opt-out will be honored before any inclusion occurs. OperatorIQ owns all rights to Benchmark Data.
Your indemnification of OperatorIQ: You agree to indemnify and hold harmless OperatorIQ LLC and its officers, employees, and agents from claims arising from: (a) your use of the Service in violation of these Terms; (b) your violation of applicable law; (c) data you submit that infringes third-party rights; or (d) misrepresentations made in connection with your account.
OperatorIQ's indemnification of you: OperatorIQ agrees to indemnify you against third-party claims alleging that the Service itself (excluding your data or third-party integrations) infringes a valid U.S. intellectual property right, provided you promptly notify OperatorIQ, give OperatorIQ control of the defense, and cooperate reasonably.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. OPERATORIQ EXPRESSLY DISCLAIMS ALL WARRANTIES INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT.
OperatorIQ shall not be liable for any failure or delay in performance caused by circumstances beyond OperatorIQ's reasonable control, including acts of God, natural disasters, war, government action, internet or telecommunications failures, power outages, or the unavailability of third-party services integral to the Service (including QuickBooks, Square, Xero, Anthropic, Stripe, and Vercel).
These Terms are governed by the laws of the State of North Carolina, without regard to conflict of law provisions. Before initiating any formal legal proceeding, both parties agree to attempt good-faith informal resolution for at least 30 days after written notice of the dispute.
Any unresolved disputes shall be resolved exclusively in the state or federal courts located in Iredell County, North Carolina. You consent to personal jurisdiction in those courts.
OperatorIQ may modify these Terms at any time. We will notify you of material changes by email at least 14 days before the changes take effect. Continued use of the Service after changes take effect constitutes acceptance. If you do not agree to updated Terms, cancel your subscription before the effective date.
Either party may terminate this agreement at any time. You may terminate by cancelling your subscription. OperatorIQ may terminate your access immediately for breach of these Terms.
Data Export: Upon cancellation or termination, you have 30 days to export your data. Your portal remains accessible in read-only mode for data export during this window. After 30 days, data is permanently deleted. Contact legal@myoperatoriq.com for export assistance. Sections 2, 9, 10, 11, 12, and 14 survive termination.
For questions about these Terms, contact OperatorIQ LLC at: