— legal, but readable

terms of service.

last updated · may 18, 2026 · supersedes all prior versions

tldr: accountable is a tool you pay for to handle the business side of independent creative work. we don't take a cut of your invoices. your clients and data are yours. don't use it to commit fraud. if we mess up, our liability is capped at what you paid us in the last 12 months. full version below.

— the deal

by creating an account or using accountable, you agree to these terms. if you're using accountable on behalf of a company or studio, you confirm you have the authority to bind that entity.

you must be at least 18, legally allowed to enter into contracts where you live, and willing to use accountable for lawful business purposes only.

— your account

you're responsible for everything that happens under your login. keep your magic-link email secure. tell us within 48 hours if you suspect unauthorized access.

• one human per login. share team workspaces by inviting collaborators, not by sharing credentials.
• you can close your account at any time from settings. when you do, we begin deletion as described under “your data”.
• we can suspend or close accounts for abuse, fraud, payment failures, or repeated violation of these terms — with notice where possible.

— money & fees

accountable is a paid subscription, billed monthly or annually at the rate you select at signup. you may upgrade, downgrade, or cancel at any time. cancellations take effect at the end of the current billing period — no partial refunds.

processing. when your clients pay through the accountable portal, stripe handles card and ach processing. their standard fees (currently 2.9% + 30¢ for cards, lower for ach) pass through directly — we don't add a markup.

payouts. stripe transfers money your clients pay directly to the bank account you connect. we never hold your funds. typical settlement is 2–5 business days depending on payment method and country.

what we don't do. we don't lend, factor, advance, or insure your invoices. the early-pay / extended-pay menu is a pricing tool — not financing. you carry the receivable.

— your data

everything you put into accountable — agreements, invoices, clients, messages, attachments — belongs to you. we are a custodian, not an owner.

• access: export to csv or pdf any time from settings.
• portability: we provide a complete archive within 7 days of request.
• deletion: on cancellation we delete your data within 30 days, with the exception of records we must keep for tax, accounting, or anti-fraud compliance (typically 7 years for financial records).
• training: we do not train models on your data. period.

full handling rules in our privacy policy.

— the agent

accountable acts on your behalf when you ask it to — drafting invoices, sending reminders, replying to clients via cc'd threads. this is your voice, sent under your domain, with you in the loop on every message.

you remain responsible for the accuracy of what we send. review the cadence templates we suggest before turning automation on. if you authorize an action, you authorize the outcome.

we will never send a payment-collection message that misrepresents itself as legal action, a collection agency, or anything other than a professional reminder from you. advocate, don't accuse.

— limits of liability

accountable is provided “as is” during beta. while we'll work hard to keep it reliable, we don't guarantee zero downtime, zero bugs, or perfect ai output. you should review what the agent sends.

to the maximum extent permitted by law, our total liability for any claim arising from your use of accountable is limited to the total fees you paid us in the 12 months before the claim arose. we are not liable for indirect, consequential, or punitive damages.

— changes & exit

we may update these terms as the product evolves. material changes get an email at least 14 days before they take effect. continuing to use accountable after the effective date means you accept them. if you don't, cancel before the change date and we'll pro-rate your remaining time.

— governing law

these terms are governed by the laws of the state of new york, without regard to conflict-of-laws principles. disputes will be resolved in the state or federal courts located in new york county, new york — except where consumer-protection law gives you a different forum.