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Whyzr Terms of Service

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1 About these terms

These Terms of Service are an agreement between StartupEdge LLC, a Puerto Rico limited liability company doing business as Whyzr (“Whyzr”, “we”, “us”), and the organization that opens a Whyzr workspace or subscribes to Whyzr (“Customer”, “you”). They cover the Whyzr web app at app.whyzr.com, its AI assistant, its MCP server and API, and related support (together, the “Service”).

1.1 Who these terms are for. Whyzr is business software for reporting and forecasting. It serves three kinds of customer:

Section 2 explains how accounts work for each.

1.2 Accepting these terms. You accept these terms by clicking to accept or by creating a workspace. If you accept for an organization, you confirm you have authority to bind it. If you do not agree, do not use the Service.

1.3 The documents that make up the agreement. The agreement consists of (a) any order form or plan you select, (b) the Data Processing Addendum (“DPA”) at whyzr.com/legal/dpa, which applies whenever we process personal data on your behalf, and (c) these terms. Our Privacy Policy at whyzr.com/legal/privacy explains how we handle personal data for our own purposes; it is published for information and is not part of the agreement. If these documents conflict, the order form controls on price and plan, the DPA controls on processing personal data, and these terms control everything else.

1.4 StartupEdge’s advisory business. StartupEdge LLC also provides accounting and fractional CFO services under the StartupEdge name. Those services are governed by a separate engagement agreement, not by these terms. Section 7 explains how we keep Whyzr and that advisory business apart.

2 Accounts and roles

2.1 Workspaces and companies. The Service is organized into workspaces. A workspace belongs to the Customer that opened it. Each business inside a workspace is a “Company”, and each Company’s financial data is kept separate from every other Company’s.

2.2 Firms and their client companies. When a firm opens a workspace, the firm is the Customer. The firm adds its client companies, decides who can see them, and decides what is published to them. People at a client company use Whyzr through the firm’s workspace, as the firm’s Authorized Users. The firm is responsible for having an agreement with each client that covers the firm’s use of Whyzr and the client’s data. A client company has no separate agreement with us unless it opens its own workspace.

2.3 Moving a company. If a client company leaves its firm, the firm may move that Company to the client’s own Whyzr workspace or export its data and give it to the client. We will not move a Company between workspaces, or give a client its data directly, without the firm’s instruction, unless the law requires it.

2.4 Business leaders. When a founder or executive opens a workspace for their own business, that business is the Customer. It may later invite its accountant or firm as Authorized Users.

2.5 Authorized Users. You may invite employees, contractors, firm staff, client staff and advisers to use your workspace (“Authorized Users”), with roles such as Owner, Admin, Editor, Viewer and portal user. You are responsible for what your Authorized Users do, for giving each the right role, and for removing access when someone leaves. Authorized Users must be at least 18 and use Whyzr for business purposes. Sign-in links and sessions are personal and must not be shared. Tell us promptly at security@whyzr.com if you suspect someone has gained access without permission.

2.6 AI agents and API keys. You may create agents and API keys that let AI tools act in Whyzr through our MCP server or API. An agent acts with the permissions you give it, and you are responsible for everything done with your keys as if an Authorized User did it. Agents cannot publish to a client, invite people, create companies, promote or release a forecast, or read the audit log. We may tighten these limits to protect the Service. Keep keys secret and revoke any you no longer need.

2.7 If you were invited by someone else. If a firm or company invited you, your access depends on that organization’s account. That organization can change or remove your access and can see your activity in its audit log. You accept this when you first sign in, and you agree to follow sections 3, 5 and 11 while you use Whyzr.

3 Using Whyzr

3.1 Your right to use Whyzr. While your subscription or trial is active, and subject to these terms, we give you a non-exclusive, non-transferable right for your Authorized Users to use the Service for your internal business purposes. If you are a firm, that includes using it to serve your own client companies.

3.2 Acceptable use. You will not, and will not let anyone using your account:

3.3 Pilot, beta and trial features. Features marked pilot, beta, preview or early access are provided as they are. They may change or stop at any time, and the commitments in section 12.1 do not apply to them.

3.4 Changes to the Service. We improve Whyzr continuously and may add, change or remove features. If we remove a material feature of a plan you have prepaid, we will tell you at least 30 days in advance. You may then cancel and receive a pro-rata refund of the prepaid fees for the rest of that term.

3.5 Support. We provide support by email at support@whyzr.com. We do not offer an uptime commitment unless your order form includes one.

4 Your data

4.1 What Customer Data is. “Customer Data” is the data you or your Authorized Users (including agents) put into the Service, or that the Service imports for you from a connected source. It includes ledgers, financial statements, invoices and bills, forecasts and their assumptions, commentary, uploaded files and the content of AI chats. Usage Data and Benchmark Data (section 6) are not Customer Data.

4.2 You own it. As between you and us, you own Customer Data. We claim no ownership of it.

4.3 What we may do with it. You give us a worldwide, non-exclusive, royalty-free licence to host, copy, process, transmit and display Customer Data, and to share it with the service providers listed in our subprocessor list at whyzr.com/legal/subprocessors, only as needed to:

We do not sell Customer Data, and we do not use it to advertise to anyone.

4.4 People named in your books. Ledgers name real people: your customers, vendors, employees and contractors. Payroll lines can show what individuals are paid. You confirm that you have the rights, notices and consents needed to give us this data and to have it processed as these terms describe, including by AI. Do not upload data the Service does not need, such as government ID numbers, full bank or card numbers, or health information.

4.5 Accuracy and records. You are responsible for the accuracy of Customer Data and for keeping the original records it comes from. Whyzr is not your system of record.

4.6 Firms and their clients. For a firm, the client company data it puts into Whyzr is the firm’s Customer Data. We process it on the firm’s instructions under the DPA. If a firm’s client contacts us about its data, we may refer it to the firm.

4.7 Requests from authorities. If a government or court asks us for Customer Data, we will try to redirect the request to you. We will tell you before we disclose anything unless the law forbids it.

5 AI in Whyzr

This section matters. Please read it.

5.1 Whyzr runs on AI. Most of what Whyzr does uses artificial intelligence. AI answers questions about your numbers, draws charts, drafts commentary, builds and changes reports and forecasts, and rebuilds imported spreadsheet models. Whyzr’s AI uses models from Anthropic, PBC (“Anthropic”), called from our servers. To produce a response, we send Anthropic our instructions, the conversation, and the Customer Data the AI reads to answer, which can include ledger detail. If we add or change an AI provider, we will update our subprocessor list and give notice under the DPA.

5.2 How Anthropic handles it. Under Anthropic’s commercial terms, Anthropic may not train its models on our customers’ content. Anthropic keeps what we send and receive for a limited period, currently up to 30 days, and longer only where its safety systems flag a possible usage policy violation or the law requires it. We do not have a zero-data-retention arrangement with Anthropic today. Before we turn on any feature that keeps data at Anthropic for longer, such as file storage or code execution, we will tell you.

5.3 People stay in control. AI in Whyzr proposes; people decide.

Whyzr does not use AI to make decisions that have legal or similarly significant effects on individuals.

5.4 AI can be wrong. AI outputs can be inaccurate, incomplete or inconsistent. AI can misread data, and text inside your data (such as a memo or label) can try to steer it. Review outputs before you rely on, publish or share them, and do not rely on a factual statement from the AI without checking it against the source.

5.5 Not professional advice. Whyzr, its AI and its outputs are not accounting, audit, tax, legal, investment or financial advice, and using them creates no professional relationship with us. A forecast is an estimate built on assumptions, not a prediction or a promise. A firm remains responsible for the professional services it provides to its clients, including review of everything it publishes through Whyzr.

5.6 Who owns outputs. As between us, you own the outputs Whyzr generates for you from your Customer Data: reports, commentary, forecasts, analyses, charts and exports. Our rights in any Whyzr Materials inside them stay with us (section 10). AI may give other customers similar outputs, and you do not own those.

5.7 Your own AI tools. If you connect another AI tool to Whyzr through our MCP server or API (for example Claude.ai or your own agent), the data that tool reads leaves Whyzr. From then on it is governed by your agreement with that tool’s provider, not by these terms, and we are not responsible for that tool. Give each key the least access it needs.

5.8 AI usage limits and charges. In-app AI may be subject to usage limits or usage-based charges shown in your plan. When you use your own AI tool through MCP, you pay its provider for your own usage.

6 How we improve Whyzr and build benchmarks

6.1 We do not train AI models on your data. We do not use Customer Data to train or fine-tune any AI model, and our AI providers may not either. If we ever change this, it will be a change to these terms under section 13.5: we will give at least 30 days’ notice, and you may cancel before it takes effect.

6.2 Usage Data. We collect data about how the Service is used and how it performs (“Usage Data”). We collect it with our own tools and a product analytics provider, set up so that the provider receives no financial figures, chat text, names or email addresses. Examples are features used, pages viewed in the app, errors, response times, AI token counts and cost, and answer ratings. Usage Data does not include the figures in your books or the text of your chats. We use it to run, secure, bill for and improve Whyzr, and we own it.

6.3 Making the AI better. We improve Whyzr’s AI by:

Otherwise our staff read your Customer Data only to give support you ask for, to investigate a problem, for security or abuse, or when the law requires it. Each time one of our staff reads Customer Data through the Service, it is recorded in your audit log.

6.4 Lessons stay in your workspace. When Whyzr learns from your edits, such as how you like a forecast laid out, that lesson is stored in your workspace and used only there. It never passes to another customer, and it records preferences and methods, not a Company’s figures.

6.5 Benchmarks. We may combine Customer Data with data from other customers to produce aggregated statistics, such as growth rates, margins or revenue per employee by industry and size (“Benchmark Data”). Benchmark Data does not identify you, any Company, any firm’s clients or any individual, and cannot reasonably be used to. To keep it that way:

We own Benchmark Data. We may use it in the Service (for example, to show how a Company compares with its peers), in reports we publish and in our products. Peer comparisons in the app may be offered only to Companies that contribute.

6.6 Opting out of benchmarks. A workspace Owner or Admin can opt out a single Company, or the whole workspace, in settings at any time. A firm should opt out a client company if the client asks. Opting out stops that data from being added to future Benchmark Data. Benchmark Data already produced stays, but it identifies no one.

7 Whyzr and StartupEdge’s advisory practice

7.1 Why this section exists. Whyzr is run by StartupEdge LLC, which also runs an accounting and fractional CFO practice (“StartupEdge Advisory”). Firms that use Whyzr may compete with StartupEdge Advisory. These commitments let a firm trust Whyzr with its clients. In these terms, “we” and “us” mean StartupEdge LLC acting in its Whyzr business, not StartupEdge Advisory.

7.2 The firewall. StartupEdge Advisory will not access, receive or use another firm’s Customer Data, its client list, or information about how its clients use Whyzr. Anyone who works for both Whyzr and StartupEdge Advisory may access another firm’s Customer Data only to operate Whyzr under section 6.3, and may not use anything learned that way in advisory work.

7.3 No poaching. We will not use the Service, Customer Data or contact details held in Whyzr to market StartupEdge Advisory, or any other service, to another firm’s client companies or their people. Whyzr will not show StartupEdge Advisory offers to client companies in another firm’s workspace. This does not stop a business from contacting StartupEdge on its own initiative outside Whyzr. A business that uses Whyzr through its own workspace is not a firm’s client company for this section unless it has invited an outside firm into that workspace.

7.4 Asking StartupEdge for help. Business leaders, and firms for their own needs, may ask StartupEdge Advisory for help through the Service. If you do, we send StartupEdge Advisory the details you enter, and its staff get access only to the Companies and data you grant. Any services it provides are under a separate engagement agreement, not these terms.

7.5 StartupEdge Advisory as a customer. StartupEdge Advisory uses Whyzr as a firm, on the same terms and with the same access controls as any other firm. It may use Benchmark Data in its advisory work, under the rules in section 6.5.

8.1 Connected services. You may connect Whyzr to other services, such as QuickBooks Online, through our integration provider Unified.to. When you connect, you authorize us to read and import data from that service for you, on a schedule (currently nightly). A firm may send its client a link to authorize a connection, and the person who authorizes it confirms they have authority to do so. Your use of the other service is governed by your agreement with its provider. We are not responsible for its availability, accuracy, or changes to its access.

8.2 Disconnecting. You can pause, reconnect or disconnect a connection at any time. Disconnecting stops new imports. Data already imported stays in your workspace until you delete it under section 11.

8.3 Uploads. You may upload spreadsheets and other files. We extract their data. We do not run or display code contained in uploaded files.

8.4 Publishing. When a firm publishes a report or releases a forecast, the client company’s Authorized Users can see it and are notified by email. A published report is frozen; a correction becomes a new revision, and earlier revisions are kept. The firm is responsible for what it publishes.

8.5 Share links. You may create read-only links to a published report or forecast, for example for a board update. Anyone who has the link can view it without signing in until the link expires (30 days by default) or you revoke it. You are responsible for who you send a link to and for anything they forward. Share links are hidden from search engines, and we count how many times each is viewed.

9 Trials, plans and fees

9.1 Plans. Whyzr is sold in tiers, such as Reporting and Forecast, priced per active client company per month. The features, limits and prices of each plan are shown in the app or on your order form.

9.2 Free trial. Each new Company gets a 45-day trial of the Forecast tier. No card is needed. The trial starts when the Company’s first real data source is connected, not when you open a demo company. We will remind you before it ends. When it ends:

We may limit trials to one per Company and end a trial that is being abused.

9.3 Billing through Polar. Paid plans are sold through Polar (polar.sh), which acts as our reseller and merchant of record. When you subscribe, you buy from Polar under Polar’s buyer terms. Polar charges your payment method, collects any sales tax or VAT, and issues your invoices. Your right to use Whyzr comes from these terms. Where these terms promise a refund, we will arrange it through Polar. Until Polar billing is available for your account, we may invoice you directly on the same terms.

9.4 Renewal and cancellation. Subscriptions renew automatically each billing period until cancelled. You can cancel at any time in billing settings, and cancellation takes effect at the end of the current period. Fees already paid are not refundable, except where these terms or the law say otherwise.

9.5 AI usage. If your plan includes AI usage allowances or usage-based AI charges, the app shows your usage and we charge at the rates in your plan.

9.6 Price changes. We may change prices with at least 30 days’ notice. A new price applies from your next renewal.

9.7 Failed payments. If a payment fails, we will tell you. If it is still unpaid 14 days later, we may lock access to the Service, including data export, until it is paid. Your data is kept while access is locked, and section 11.7 applies if your plan ends.

9.8 Taxes. Prices exclude taxes. Where Polar does not collect a tax that applies, you are responsible for it.

10 Intellectual property

10.1 Your outputs, our methods. You own your outputs, and anything you have exported or downloaded stays yours to use after your subscription ends (sections 5.6 and 10.2). What we protect is how Whyzr produces those outputs. We and our licensors own the Service and everything in it other than Customer Data (“Whyzr Materials”). Whyzr Materials include:

Apart from the licence in section 10.2, these terms give you no rights in Whyzr Materials beyond using them through the Service.

10.2 Whyzr Materials in your outputs. Some outputs contain Whyzr Materials, such as a forecast built on a blueprint or exported to Excel with its formulas. We give you a perpetual, royalty-free, non-exclusive licence to use those Whyzr Materials as part of the output for your own business, during and after your subscription. A firm may also deliver them to its clients as part of its work. You may not extract Whyzr Materials from outputs, or use outputs, to reconstruct our blueprints or methods, build a template library, or build a competing product.

10.3 Restricted methods. Some StartupEdge methods are available only to firms we grant access to. If your firm has access, your client companies’ users may be able to view them in the Service. You will make sure your Authorized Users keep them confidential.

10.4 Feedback. If you send us ideas or feedback, we may use them freely and owe you nothing for them.

10.5 Names and logos. “Whyzr” and “StartupEdge” and their logos are our trademarks. We will name you as a customer only with your permission.

11 Confidentiality, security, export and deletion

11.1 Confidentiality. Each of us will keep the other’s confidential information confidential, use it only for this agreement, and protect it with at least reasonable care. Either of us may share it with people and service providers who need it for this agreement and are bound by similar duties. This does not cover information that is public, already known, independently developed, or received from someone free to share it. Either of us may disclose it where the law requires, giving notice where allowed. Customer Data is your confidential information. Our non-public pricing, roadmap, Whyzr Materials and security documents are ours.

11.2 Our security. We protect Customer Data with the safeguards described in Annex 2 of the DPA. They include separating every customer’s data on every query, encryption in transit, single-use sign-in links, API keys stored only as hashes, an audit trail that users and agents cannot edit, and hardware-key protection on our admin accounts. No system is perfectly secure. If a security incident affects your Customer Data, we will notify you without undue delay, and for personal data within the time set in the DPA.

11.3 Your security. You are responsible for securing the email accounts your users sign in with, for managing users, roles and keys, and for turning on two-step sign-in when we offer it.

11.4 Export. Workspace Owners and Admins can export Customer Data from settings at any time while the workspace has an active plan or trial and no overdue fees, in Excel. Exports include financial data, report and forecast history.

11.5 Self-service deletion. In settings:

Deleted data is removed from our live systems within 30 days. Copies in backups are overwritten as the backups expire, within 30 days after that. Until then, backups are used only to recover from a disaster, and if we restore one, we delete the data again.

11.6 What we keep after deletion. After deletion we keep only the following, plus the account records our Privacy Policy describes, such as support emails and email preferences:

11.7 When an account ends. If your workspace has no active plan, and you have not deleted it, we will delete its Customer Data 90 days after its last plan or trial ends. We may also delete a free workspace that has been inactive for 12 months. In both cases we will email the Owner at least 30 days before.

11.8 Firm workspaces. In a firm’s workspace, the firm decides when client company data is exported or deleted. We refer requests from client staff to the firm.

12 Warranties, liability and indemnities

12.1 What we promise. We will provide the Service with reasonable skill and care, and we will not materially reduce its overall security during your subscription. If we fall short, tell us within 30 days. We will fix it, and if we cannot within a reasonable time, either of us may end the affected subscription and we will refund prepaid fees for the rest of its term. This is your only remedy for a breach of this section.

12.2 Everything else is as is. Apart from section 12.1, the Service, its AI features, outputs, Benchmark Data, connections and pilot features are provided “as is” and “as available”. To the extent the law allows, we disclaim all other warranties, express or implied, including merchantability, fitness for a particular purpose, title, non-infringement and accuracy. We do not promise that the Service will be uninterrupted or error-free, that AI outputs, forecasts or benchmarks will be accurate, or that using them will achieve any result.

12.3 Damages neither of us is liable for. Neither of us is liable to the other for lost profits, revenue or goodwill, or for indirect, incidental, special, consequential or exemplary damages, even if told they might occur.

12.4 Cap on liability. Each party’s total liability arising out of or relating to these terms is limited to the greater of (a) the fees you paid or owed for the Service in the 12 months before the claim arose and (b) US$100.

12.5 Where the limits do not apply. Sections 12.3 and 12.4 do not limit your obligation to pay fees, your obligations under section 12.6, your breach of section 3.2, or liability for fraud, gross negligence or wilful misconduct, or any liability the law does not allow to be limited.

12.6 Your indemnity. You will defend us against any third-party claim, and pay the resulting damages and reasonable costs, arising from:

12.7 Our indemnity. We will defend you against any third-party claim that the Service, as we provide it, infringes a United States patent, copyright or trademark or misappropriates a trade secret, and pay the resulting damages and reasonable costs. This does not cover Customer Data, outputs, other providers’ services, or anything combined with or changed from what we provide. If such a claim arises, we may change the Service, get you the right to keep using it, or end your subscription and refund prepaid fees for the rest of its term.

12.8 How claims are handled. The party asking for defence must tell the other promptly, let it control the defence and settlement, and cooperate reasonably. No settlement may admit fault for, or impose obligations on, the other party without its consent.

13 Term, termination and general terms

13.1 Term. These terms apply from when you accept them until your workspace is closed and every subscription has ended.

13.2 Ending the agreement. You may cancel at any time (section 9.4) or delete your workspace (section 11.5). We may end a free plan or trial with 30 days’ notice, or decline to renew a paid plan with 30 days’ notice before renewal. Either of us may end the agreement if the other materially breaches it and does not cure the breach within 30 days of written notice, or becomes insolvent.

13.3 Suspension. We may suspend access immediately where needed to prevent harm: a security threat, unlawful use, a breach of section 3.2, or non-payment after notice. We will limit any suspension to what is needed, tell you why, and restore access promptly once the problem is resolved.

13.4 After the agreement ends. Access ends, except that Owners and Admins may export Customer Data for 30 days, once any overdue fees are paid. Section 11.7 then applies. Fees already owed remain due. Sections 4, 5.4 to 5.7, 6, 7, 10, 11, 12 and 13 survive.

13.5 Changes to these terms. We may update these terms. We will give at least 30 days’ notice of a material change by email or in the app, unless the change is needed sooner for legal or security reasons. If you object, you may cancel before it takes effect and receive a pro-rata refund of prepaid fees. Otherwise the change applies from its effective date. A signed order form can only be changed in writing by both of us.

13.6 Governing law and courts. These terms are governed by the laws of the State of Delaware, without regard to its conflict-of-law rules. The state and federal courts in Delaware have exclusive jurisdiction, and each of us consents to them. Either of us may seek an injunction in any court with jurisdiction, and we may bring an action for unpaid fees in any court with jurisdiction over you. Each of us waives any right to a jury trial in a dispute under these terms.

13.7 Assignment. Neither of us may assign this agreement without the other’s written consent, except as part of a merger, reorganization or sale of substantially all of the relevant assets. We may also assign it, with notice, to an affiliate or to any company that takes over the Whyzr business.

13.8 Events outside our control. Neither of us is responsible for delays or failures caused by events beyond reasonable control, including natural disasters, hurricanes, power or internet outages, and failures of hosting, AI or other third-party providers.

13.9 Export and sanctions. You will not use the Service in breach of United States export control or sanctions laws, or from a country or by a person subject to US sanctions.

13.10 Notices. We may give you notice by email to the workspace Owner or in the app. You may give us notice at legal@whyzr.com. Notices are effective when sent, unless a delivery failure is received.

13.11 Other terms. These terms, with the documents in section 1.3, are the entire agreement on this subject and replace anything discussed before. Purchase order terms have no effect. If a provision is unenforceable, the rest stays in effect. A failure to enforce a right is not a waiver. We are independent contractors, and no one other than you and us has rights under these terms. The English version controls.

13.12 Contact. StartupEdge LLC, doing business as Whyzr, 954 Ave Ponce De Leon, Suite 205, San Juan, PR 00907. Email legal@whyzr.com.