Terms of service

In short. anfa gives you a read-only link between your QuickBooks Online company and the tools you choose, and provides finance-operations services under separate signed agreements. Software plans start with a 7-day free trial; a card is taken but not charged until the trial ends, and you can cancel before then at no cost. We never write to your books. Nothing here is accounting, tax, legal or investment advice.

1. Introduction and scope

These Terms of Service (the “Terms”) are an agreement between you and Anfa Holdings LLC, a Wyoming limited liability company doing business as anfa (“anfa”, “we”, “us”). They govern your use of the website at getanfa.com, the account you create at api.getanfa.com, and the anfa software described in Section 4 (together, the “Services”).

By creating an account, connecting a QuickBooks Online company, or otherwise using the Services, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Services.

If you use the Services on behalf of a business, you confirm that you are authorised to bind that business, and “you” means that business.

2. Defined terms

Account: The account you create with us, identified by your email address, through which you manage connections, billing and API keys.
Connected Company: A QuickBooks Online company that you have authorised anfa to read, through Intuit’s sign-in.
API Key: The private credential we issue for each Connected Company. Anyone holding it can read that company’s financial data.
Report Data: Reports and records retrieved from a Connected Company at your request, or at the request of a tool using your API Key.
Advisory Services: Finance-operations, reporting and advisory work we perform for you under a separate signed proposal or agreement.
Trial: The 7-day period at the start of a software subscription during which no subscription fee is charged.

3. Eligibility and accounts

The Services are for businesses. You must be at least 18 years old and able to form a binding contract. You are responsible for keeping your password confidential and for everything done through your Account. Tell us at once at hello@getanfa.com if you believe your Account or an API Key has been compromised. There is currently no self-service password reset; contact us to regain access.

4. The software

The anfa software creates a read-only connection between a Connected Company and tools you choose, such as spreadsheets and AI assistants, through an API Key we issue to you. On request, it retrieves Report Data from QuickBooks Online and passes it to the requesting tool.

The software never writes to your books. It contains no code path that creates, changes or deletes records in QuickBooks Online.

The software is in early access. Features may change, and availability is not guaranteed. We will give reasonable notice of material changes where we can.

5. Advisory services

Advisory Services are governed by the proposal or agreement you sign with us. Where that agreement and these Terms differ, the signed agreement controls for those services. Unless it says otherwise, Advisory Services are charged monthly with no minimum term, and either of us may end the engagement on 30 days’ written notice.

6. Fees, trial and cancellation

Free templates. Our templates are free and need no Account.

Trial. Software subscriptions begin with a 7-day free Trial. A payment card is collected when the Trial starts, and is not charged during it.

Billing. To avoid being charged, you must cancel before the end of day 7. Otherwise the first subscription payment is taken when the Trial ends, and the plan renews on its billing cycle — monthly, or annually where you chose the annual price. Prices are shown on our pricing page at the time you subscribe.

Cancellation. You may cancel at any time. After the Trial, you keep access until the end of the period already paid for. Part periods are not refunded unless the law requires it.

Payments. Payments are processed by Stripe. Stripe holds your card details under its own terms and privacy policy; anfa does not receive or store card numbers. If a payment fails when the Trial ends and no valid payment method is available, the subscription is cancelled.

Taxes. Prices exclude applicable sales taxes unless stated otherwise.

7. Your responsibilities

Keep each API Key confidential. Rotate a key from your Account if you believe it is exposed; the old key stops working immediately.
Connect only companies you are authorised to access, and share Report Data only with tools and people entitled to see it.
Do not attempt to circumvent access controls, probe or overload the Services, resell access, or use the Services to violate any law or Intuit’s terms.
You are responsible for the tools you connect. Report Data delivered to a third-party tool is governed by that provider’s terms.
Keep the information in your Account accurate.

8. Third-party services

The Services depend on Intuit’s QuickBooks Online platform, Cloudflare’s hosting, Stripe’s payment processing and Cloudflare Turnstile for abuse prevention. Your use of QuickBooks Online remains subject to Intuit’s terms. We are not responsible for the availability, accuracy or conduct of third-party services, including any AI assistant or spreadsheet you choose to connect. QuickBooks is a trademark of Intuit Inc.; no affiliation or endorsement is implied.

9. Not professional advice

Report Data reflects what is recorded in your Connected Company and is provided as-is. Output produced by AI assistants or other tools using that data is generated by those tools, not by anfa. Nothing delivered through the software constitutes accounting, tax, legal or investment advice. Where you engage us for Advisory Services, the scope and standard of that work is set out in your agreement with us.

10. Intellectual property

The website, the software, our templates and our brand are owned by anfa or its licensors. You may use our free templates for your own business. You may not resell or redistribute them, or reverse-engineer the software. Your financial data remains yours; you grant us only the permission needed to operate the Services for you. Platform names and logos shown on the site belong to their respective owners.

11. Feedback

If you send us ideas or suggestions about the Services, you agree we may use them without obligation to you.

12. Communications

We will contact you by email about your Account, your subscription, security matters and material changes to the Services. You cannot opt out of these while you hold an Account. Any marketing email will include a way to unsubscribe.

13. Suspension and termination

You may disconnect any Connected Company, cancel your subscription and stop using the Services at any time. We may suspend or terminate access if these Terms are breached, if required by Intuit or by law, or if continuing would put the Services or other users at risk. On termination, connections are revoked with Intuit and connection data is deleted as described in the Privacy Policy. Sections 9, 10, 14, 15, 16 and 18 survive termination.

14. Disclaimer of warranties

The Services are provided “as is” and “as available”. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the Services will be uninterrupted or error-free, or that Report Data will be complete or accurate; it reflects your ledger as Intuit provides it.

15. Limitation of liability

To the fullest extent permitted by law, anfa is not liable for indirect, incidental, consequential, special or punitive damages, or for loss of profits, revenue, business or data, arising from your use of the Services. Our total liability for all claims relating to the software in any twelve-month period will not exceed the amount you paid us for the software in that period, or one hundred US dollars if you paid nothing. Liability relating to Advisory Services is governed by your signed agreement. Nothing in these Terms limits liability that cannot be limited by law.

16. Governing law

These Terms are governed by the laws of the State of New York, without regard to its conflict-of-law rules. The state and federal courts located in New York County, New York have exclusive jurisdiction over any dispute arising from these Terms or the Services, and you consent to their jurisdiction, except where the law where you live gives you rights that cannot be excluded.

17. Assignment

You may not assign these Terms without our written consent. We may assign them to an affiliate or a successor in a merger, acquisition or sale of assets, and will notify you if we do.

18. General terms

These Terms, the Privacy Policy and any signed agreement for Advisory Services are the entire agreement between us about the Services. If any part is found unenforceable, the rest remains in effect. A failure to enforce a right is not a waiver of it. Notices to us go to hello@getanfa.com; notices to you go to the email on your Account.

19. Changes to these terms

We may update these Terms. Changes take effect when posted here with a new date. For material changes affecting an active subscription we will email the address on your Account before they take effect. Continued use after a change means you accept the updated Terms.

20. Contact

Anfa Holdings LLC, a Wyoming limited liability company
[registered address]
hello@getanfa.com