Terms of Service

These Terms of Service ("Terms") govern access to and use of Small Business Money Organizer (the "Service"), provided by City Clover, LLC ("City Clover," "we," "us," or "our"). By purchasing, creating an account for, accessing, or using the Service, you agree to these Terms. If you use the Service for a company or other organization, you represent that you have authority to bind that organization to these Terms.

1. BUSINESS SERVICE

Small Business Money Organizer is a business recordkeeping and organization tool designed to help small businesses track amounts owed to them, amounts they need to pay, receipts, and simple monthly summaries. The Service does not move money between you and your customers or vendors and does not verify that information you enter is accurate or complete.

The Service is not accounting software and does not provide accounting, bookkeeping, tax, legal, investment, credit, or financial advice. Reports and summaries are for organizational purposes only. You are responsible for determining how your records should be classified, reported, retained, or used and for consulting qualified professionals when appropriate.

2. ELIGIBILITY AND BUSINESS USE

You must be at least 18 years old and legally able to enter into a binding agreement. The Service is intended for legitimate business and professional use. You may not use it for unlawful, fraudulent, abusive, or unauthorized purposes.

3. YOUR ACCOUNT

You are responsible for providing accurate account and business information, protecting your login credentials, and all activity conducted through your account. Notify City Clover promptly at info@cityclover.com if you believe your account has been accessed without authorization.

You may not attempt to access another customer's account or data, bypass access controls, interfere with the Service, introduce malicious code, probe for vulnerabilities without written authorization, or use the Service in a way that harms City Clover, its providers, or other users.

4. FEES, SUBSCRIPTION, AND CANCELLATION

The price shown to you at checkout governs your purchase. The current founding-member offer is a $99 one-time setup fee plus a $19 monthly subscription. The monthly subscription renews automatically until canceled.

You may cancel through the subscription-management option provided in the Service or through the Stripe Customer Portal when available. Cancellation stops future subscription renewals. Fees already paid are not prorated or refunded except where required by law, where a refund policy displayed at checkout expressly provides otherwise, or where City Clover chooses to issue a refund in its discretion.

Applicable taxes, if any, may be added or collected as required. Payment processing is provided by Stripe. City Clover does not receive or store your full payment-card number through the Service.

We may change pricing for future purchases or renewals. If a change applies to an existing recurring subscription, we will provide notice as required by applicable law before the new price takes effect.

5. CUSTOMER CONTENT AND RECORDS

You retain ownership of the business information, transaction records, notes, receipt files, and other content you submit to the Service ("Customer Content"). You grant City Clover a limited license to host, process, transmit, display, back up, and otherwise use Customer Content only as reasonably necessary to provide, secure, maintain, support, and comply with legal obligations relating to the Service.

You are responsible for the accuracy, legality, and appropriateness of Customer Content, including information you enter about your own customers, vendors, employees, or other third parties. You must have any rights, notices, permissions, or other lawful basis required to provide that information to the Service.

Do not upload information that is unnecessary for the Service, including passwords, Social Security numbers, full payment-card numbers, medical records, or other highly sensitive information. The Service is not designed for regulated health information or other specialized regulated data environments.

6. RECEIPTS AND BUSINESS RECORD RETENTION

The Service allows you to upload receipt images and PDFs and to record related metadata. Although we use reasonable safeguards, no online service can guarantee uninterrupted access or permanent storage. You should retain separate copies of documents that you are legally required to preserve or that are critical to your business.

If your subscription becomes inactive or your account is suspended or terminated, access to Customer Content may become unavailable. Data retention and deletion are addressed in the Privacy Policy.

7. THIRD-PARTY SERVICES

The Service relies on third-party providers, including providers for payment processing, hosting, authentication, database and file storage, and email delivery. Those providers may experience outages, delays, or other failures outside City Clover's control. Your use of third-party payment or portal pages may also be subject to the applicable provider's terms and privacy notices.

8. SERVICE CHANGES, MAINTENANCE, AND AVAILABILITY

We may maintain, update, improve, or modify the Service over time. We may temporarily interrupt access for maintenance, security, provider outages, or other operational reasons. Unless City Clover separately agrees in writing, the Service does not include a guaranteed service-level commitment or guaranteed uptime.

9. SUSPENSION AND TERMINATION

We may suspend or terminate access when reasonably necessary because of nonpayment, an inactive or canceled subscription, suspected fraud, security risk, unlawful activity, material breach of these Terms, abuse of the Service, or a legal or provider requirement.

You may stop using the Service and cancel your subscription at any time. Sections that by their nature should survive termination, including payment obligations already incurred, intellectual property, disclaimers, limitations of liability, and dispute provisions, will survive.

10. INTELLECTUAL PROPERTY

The Service, software, interfaces, workflows, design, branding, text, graphics, and other materials provided by City Clover are owned by City Clover or its licensors and are protected by applicable intellectual-property laws. Except for the limited right to use the Service during your subscription, these Terms do not transfer any ownership rights to you.

Small Business Money Organizer, City Clover, and associated names, logos, and branding may not be copied or used without permission except as permitted by law.

11. FEEDBACK

If you voluntarily provide ideas or suggestions about the Service, you allow City Clover to use that feedback without restriction or compensation, provided we do not identify you publicly as the source without permission.

12. DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." CITY CLOVER DISCLAIMS IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SUITABLE FOR ANY PARTICULAR ACCOUNTING, TAX, LEGAL, OR FINANCIAL PURPOSE.

Nothing in these Terms excludes warranties or rights that cannot legally be excluded.

13. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CITY CLOVER WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST BUSINESS OPPORTUNITIES, OR LOSS OF DATA ARISING FROM OR RELATED TO THE SERVICE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CITY CLOVER'S TOTAL LIABILITY ARISING FROM OR RELATED TO THE SERVICE WILL NOT EXCEED THE AMOUNTS YOU PAID TO CITY CLOVER FOR Small Business Money Organizer DURING THE 12 MONTHS IMMEDIATELY BEFORE THE EVENT GIVING RISE TO THE CLAIM.

These limitations do not apply to liability that cannot lawfully be limited.

14. INDEMNIFICATION

To the extent permitted by law, you agree to defend, indemnify, and hold harmless City Clover, LLC and its officers, members, employees, and contractors from third-party claims, losses, or expenses arising from your unlawful use of the Service, your Customer Content, your violation of another person's rights, or your material breach of these Terms.

15. GOVERNING LAW AND DISPUTES

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Before filing a formal claim, you and City Clover agree to make a good-faith attempt to resolve the dispute by written notice to the other party. Notices to City Clover may be sent to info@cityclover.com.

Unless applicable law requires otherwise, any court proceeding relating to these Terms or the Service must be brought in a state or federal court in Florida that has proper jurisdiction over the dispute, and each party consents to personal jurisdiction there.

16. CHANGES TO THESE TERMS

We may update these Terms from time to time. We will post the updated version with a revised "Last Updated" date and, when required by law or when a change is material to an existing paid relationship, provide additional notice. Your continued use after an updated version becomes effective constitutes acceptance to the extent permitted by law.

17. ENTIRE AGREEMENT AND SEVERABILITY

These Terms, together with the Privacy Policy and any checkout terms or policies expressly presented as part of your purchase, form the agreement governing the Service. If a provision is found unenforceable, the remaining provisions remain in effect. Failure to enforce a provision is not a waiver of the right to enforce it later.

18. CONTACT

City Clover, LLC
Florida, United States
Email: info@cityclover.com