Terms of Service

NullPoint LLC, DBA RLNR Docu-Service
Effective Date: August 10, 2025

These Terms of Service ("Terms") govern your access to and use of the manual fraud detection services ("Services") provided by NullPoint LLC, DBA RLNR Docu-Service ("Company," "we," "us," or "our"). By subscribing to, accessing, or using our Services, you ("Client" or "you") agree to be bound by these Terms, our Privacy Policy, and any additional policies referenced herein. If you do not agree to these Terms, you must not use the Services. These Terms constitute a legally binding agreement between you and the Company.

1. Definitions

- "Affiliate" means any entity that controls, is controlled by, or is under common control with the Company.

- "Client Data" means all information provided by you or collected through the Services, including transaction data from linked accounts.

- "QuickBooks Online Accountant" means the third-party platform used for account linking and transaction monitoring.

- "Services" means the manual daily monitoring of transactions from linked financial accounts for fraud detection, offered in Bronze, Silver, and Gold tiers, including any associated tools or reports.

- "Subscription" means your paid access to the Services on a recurring basis.

- "Term" means the period during which your Subscription is active.

- "Third-Party Services" refers to platforms like QuickBooks Online Accountant, monday.com, and Squarespace used to deliver the Services.

2. Acceptance of Terms

By subscribing to or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you are entering into these Terms on behalf of an entity, you represent that you have the authority to bind that entity. We may update these Terms at our discretion to reflect changes in our services, legal requirements, or business practices. Notice of material changes will be provided via email or on our website at least 30 days in advance. Continued use of the Services after such changes constitutes acceptance. If you object to any updates, your sole remedy is to terminate your Subscription.

3. Description of Services

The Company offers manual daily monitoring of transactions from financial accounts linked through QuickBooks Online Accountant, designed for individuals and businesses. Services are available in three tiers:

- **Individual Bronze Tier**: Monitoring up to 5 accounts.
- **Business Bronze Tier**: Monitoring up to 7 accounts.

- **Individual Silver Tier**: Monitoring up to 10 accounts.
- **Business Silver Tier**: Monitoring up to 15 accounts.

- **Individual & Business Gold Tier**: Monitoring an unlimited number of accounts.

Detailed tier specifications, including pricing and features, are available on our website. The Services are limited to accounts linked at the time of activity and do not cover non-linked accounts, incidents prior to linking, or guarantee real-time transaction visibility due to potential delays from financial institutions or QuickBooks Online Accountant. We may notify you or your financial institution of suspected fraud, but we do not guarantee action or assume responsibility for outcomes. The Services are provided on an "as is" basis and may be modified, suspended, or terminated with notice.

4. Eligibility and Account Registration

You must be at least 18 years old, legally capable of entering a contract, and not prohibited by law from using the Services. Registration requires accurate information, including your name, email, and payment details. You are solely responsible for maintaining the security of your account, including any credentials used to access QuickBooks Online Accountant. We reserve the right to verify your information, refuse service, or terminate your account for inaccuracies, misuse, or violation of these Terms.

5. Subscription and Payment Terms

The Services are provided on a subscription basis, billed monthly through Squarespace Payments. Accepted payment methods include Visa, Mastercard, AMEX, Discover, JCB, Diners Club, Carte Bancaire, UnionPay, Apple Pay, Afterpay/Clearpay, Klarna, Link by Stripe, and Automated Clearing House. Fees are as listed on our website and exclude applicable taxes, which you are responsible for paying. Full refunds are available within 14 days of payment; partial refunds may be granted thereafter at our sole discretion. Subscriptions renew automatically until canceled. Unpaid subscriptions will be suspended after 10 days and terminated if payment remains outstanding. We may adjust pricing with 30 days’ notice.

6. Client Obligations

You must provide accurate and ongoing access to linked financial accounts via QuickBooks Online Accountant. You are required to respond promptly to any notifications from us and report suspected fraud to your financial institution within 60 days (individuals) or 24 hours (businesses). You agree not to misuse the Services, share access credentials, or use the Services for illegal purposes. You are responsible for complying with the terms of your financial institutions and QuickBooks Online Accountant.

7. Intellectual Property

All rights, titles, and interests in the Services, including methods, software, and reports, are owned by the Company or its licensors. You are granted a limited, non-transferable, non-exclusive license to use the Services for the Term. You may not copy, modify, distribute, reverse engineer, or create derivative works from the Services. Third-party providers (e.g., QuickBooks Online Accountant, monday.com, Squarespace) retain their intellectual property rights. You grant the Company a limited license to use Client Data solely to provide the Services.

8. Third-Party Integrations

The Services rely on third-party platforms, including QuickBooks Online Accountant for account linking and monitoring, monday.com for client management, and Squarespace for payments and website hosting. You agree to comply with their terms and policies. The Company is not liable for the performance, availability, security, or data handling practices of these third parties. Any issues arising from their services are your responsibility.

9. Data Handling and Privacy

We collect and process Client Data as necessary to deliver the Services, as detailed in our Privacy Policy. Data is handled through QuickBooks Online Accountant (for transaction monitoring), monday.com (for client management with 256-bit encryption), and Squarespace (for payment processing, where we do not directly handle payment details). We do not sell or share your data except as required by law or to fulfill the Services. International data transfers comply with applicable laws (e.g., GDPR, CCPA).

10. Limitations of Liability

THE COMPANY, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING FROM OR RELATED TO THE USE OF THE SERVICES, WEBSITE, OR THIRD-PARTY INTEGRATIONS. THIS INCLUDES, BUT IS NOT LIMITED TO, DAMAGES FROM FRAUD NOT DETECTED, DELAYS, DATA BREACHES NOT CAUSED BY OUR GROSS NEGLIGENCE, OR SERVICE INTERRUPTIONS. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT OF FEES PAID BY YOU IN THE PRECEDING MONTH, REGARDLESS OF THE CAUSE OR FORM OF ACTION (CONTRACT, TORT, OR OTHERWISE). THIS LIMITATION APPLIES TO THE FULLEST EXTENT PERMITTED BY LAW AND SURVIVES TERMINATION.

11. Indemnification

You agree to indemnify, defend, and hold harmless the Company, its Affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to your use of the Services, violation of these Terms, infringement of any third-party rights, or breach of applicable laws.

12. Termination

Either party may terminate the Services at any time with or without cause by providing written notice (email suffices). Upon termination, your access to the Services will cease immediately, and we will retain Client Data for 30 days before secure deletion, unless required by law to retain it longer. You remain liable for any outstanding fees. We may terminate or suspend your account without notice for breach, non-payment, or illegal activity.

13. Excess Account Removal

If the number of linked financial accounts via QuickBooks Online Accountant exceeds your tier limit (5 for Bronze, 10 for Silver, unlimited for Gold), we reserve the right to remove excess accounts at our discretion. We are not liable for any monitoring gaps, undetected fraud, or financial losses resulting from such removals. You are responsible for upgrading your tier or removing excess accounts to comply with your Subscription.

14. Force Majeure

The Company shall not be liable for any delay or failure to perform due to causes beyond our reasonable control, including but not limited to acts of God, natural disasters, government actions, labor disputes, internet outages, cyber-attacks, or third-party service failures (e.g., QuickBooks Online Accountant). Performance will be excused for the duration of such events.

15. Dispute Resolution

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. Arbitration shall take place in Bridgeport, Connecticut, unless otherwise agreed. You waive the right to participate in a class action or jury trial. The arbitrator’s decision is final and enforceable in court. Costs and fees may be awarded to the prevailing party. Notwithstanding, either party may seek injunctive relief in court to protect intellectual property rights. These Terms are governed by Connecticut law, without regard to conflict of laws principles.

16. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be severed, and the remaining provisions shall remain in full force and effect. The invalid provision will be reformed to the extent necessary to make it enforceable, preserving the original intent.

17. Assignment

You may not assign or transfer these Terms or your rights or obligations hereunder without our prior written consent. The Company may assign these Terms to an Affiliate or in connection with a merger, acquisition, or sale of assets, with notice to you.

18. No Waiver

No failure or delay by the Company in exercising any right or remedy under these Terms shall constitute a waiver of that or any other right or remedy. Any waiver must be in writing and signed by an authorized representative of the Company.

19. Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and the Company regarding the Services and supersede all prior agreements or understandings, whether written or oral.

20. Notices

All notices under these Terms must be in writing and delivered via email to Support. Notices are effective upon receipt.

21. Electronic Communications

You consent to receive communications from us electronically, including emails, notifications, and updates related to the Services. You agree that all agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirements.

22. Survival

Provisions regarding intellectual property, liability, indemnification, termination, and dispute resolution shall survive the termination of these Terms.

For any questions or to provide notice, please contact us at Support or 203-212-8762.