Terms of Service

These terms apply to FiscoPoint's website, applications, support channels, and Business & Financial Operating System. By using the service, you confirm that you can enter a binding agreement in your country and, when acting for an organization, that you are authorized to bind it. Mandatory consumer protections in your location continue to apply.

FiscoPoint provides business and personal finance, investment tracking, planning, household finance, accounting, CRM, projects, documents, communications, live meetings, payroll, reporting, automation, and integration tools. Availability varies by country, configuration, plan, provider support, and law.

Essential is freemium and does not require a payment card. At sign-up you choose one freemium edition, Essential Business or Essential Personal, and it stays with that account; a paid plan opens the other environments on the same account. Paid plans and Enterprise agreements add modes, features, limits, and users. Eligible new workspaces may receive a premium trial that requires no card and never charges automatically. When a trial or subscription ends, premium actions become unavailable and the workspace continues on Essential, while existing financial, CRM, project, payroll, and document records are preserved. Both freemium editions include basic money records, reconciliation, cash flow, reports, budgets, tax estimates, documents, tasks, AI assistance, a light contacts book, and live meetings. Essential Business additionally includes invoicing, client and supplier records, basic projects, consultations, and time tracking. Essential Personal includes basic personal, household, planning, and investment tools. Using the other freemium edition requires a separate account with a different email; data is not transferred between accounts.

Plan limits are applied on FiscoPoint's servers. Messages, files, and notes in Connect are never time limited. On the freemium Essential plan, each live audio or video meeting ends automatically after 60 minutes; remaining time is shown and participants are warned before the limit. Paid plans allow longer meetings, subject to reasonable platform limits. Meeting records, notes, participants, and CRM associations are saved regardless of how a meeting ends. FiscoPoint does not record audio or video unless a participant explicitly saves notes or a transcript. Essential includes 1 user per organization, Professional up to 3, Business up to 10, and Enterprise the user count agreed in the contract. Each user is an individual person with their own login, not a device or connected account.

The first workspace administrator is normally the master admin, and a workspace may appoint up to three master admins. The subscription sets what an organization can access, and the owner decides which modes and features each member may use. Administrators cannot grant themselves more than the subscription allows and cannot reach another organization. Customers must authorize users appropriately, review access, and remove it when no longer needed. Hiding a screen is a presentation choice rather than a security control.

Customers retain their rights in content and data they provide and grant FiscoPoint the limited permission needed to host, process, transmit, back up, and display it. Customers must have lawful authority to provide personal, financial, employee, client, vendor, household, and investment data and to invite participants.

Calculations, estimates, forecasts, categorizations, allocation figures, and AI-assisted drafts are informational and may be incomplete or incorrect. FiscoPoint is not a bank, broker, insurer, payroll processor, law firm, tax preparer, fiduciary, or accounting firm. Users must review outputs and obtain qualified advice where appropriate.

Payroll features prepare pay runs, records, and country-appropriate payment files. Authorization remains with the customer and their bank. FiscoPoint does not hold, transfer, or disburse funds and is not responsible for bank rejections, account detail errors, tax withholding decisions, or filing obligations.

Administrators may schedule payroll drafts, recurring invoices and expenses, reminders, summaries, and other checks. Automated work is recorded, may pause after repeated failures, and never authorizes payments. Optional approval and spending rules remain the customer's responsibility to configure and review.

Users choose whether to connect banks, brokerages, calendars, email, payment tools, or other services. Provider terms, geographic availability, downtime, data quality, and fees may apply. Disconnecting a provider stops future synchronization but does not automatically delete records already imported.

Do not use the service unlawfully, access another workspace without authorization, bypass controls, upload malware or unlawful content, misrepresent outputs as independently certified, disrupt the service, reverse engineer it, or resell it except where local law expressly permits.

Users are responsible for reviewing, reconciling, exporting, and retaining records needed for legal, tax, employment, or accounting duties. Deletion requests remain subject to lawful retention, security, dispute, and fraud-prevention requirements.

FiscoPoint may maintain, improve, suspend, or discontinue features, and connected providers may change independently. The service is not promised to be uninterrupted, error-free, or suitable for every jurisdiction or regulated use, except where applicable law requires otherwise.

Access may be suspended to protect users, comply with law, address non-payment, investigate misuse, or prevent harm. Customers may close a workspace through available controls. Continuing obligations remain effective after termination where their nature requires it.

To the fullest extent allowed by law, FiscoPoint is not responsible for indirect or consequential losses, lost profits, lost opportunities, or decisions made from unreviewed data or AI output. Nothing excludes liability or rights that cannot lawfully be excluded in the user's jurisdiction.

FiscoPoint includes a Financial Allocation area where you choose a framework, such as a simple individual framework, Profit First, a growth-company framework, a capital-allocation framework, a nonprofit stewardship framework, or your own categories. Targets come from percentages you set, and actual figures are read from records already in your workspace. Settings also let an organization describe itself so that only relevant screens appear, arrange role-aware dashboard views, set approval, receipt, and spending thresholds enforced on our servers, and organize legal entities, business units, departments, and cost centres. These choices never change, recalculate, or delete recorded figures, and availability depends on the plan in effect.

The ledger is the authoritative accounting record. Invoices, payments, expenses, purchases, pay runs, and connected account activity are written to it as balanced double entries that link back to the record they came from. Entries move from draft, to review, to posted, and cannot be posted unless debits and credits match. Once posted, an entry is corrected with a reversing or adjusting entry so the original history stays intact. Administrators and owners can move an accounting period through Open, Closing, Locked, Reopened, and Archived with a close checklist, and these rules are applied on FiscoPoint's servers rather than only in the interface. Reopening a locked period requires a reason, which is stored. Creations, changes, submissions, approvals, postings, reversals, discards, locks, reopenings, and archives are written to the audit trail with who did it and when.

When you create an account we ask what you want to use FiscoPoint for. You choose Business Management or Personal Finance as your starting point and answer a short set of questions. Those answers are stored on your profile and used to set up the workspace, switch on the areas you asked for, and suggest a suitable plan. You can change or clear them later in your settings. A plan suggestion is a product recommendation, not financial, tax, accounting, or investment advice, and you can always continue on the freemium Essential plan. Business and personal records remain in separate areas; sharing between environments requires your choice.

You may invite people outside your workspace as guests. A guest invitation is a secure single link valid only for the one meeting it was created for. Guests wait to be admitted, never see other conversations, records, or financial information, and can be removed at any time. Expired, cancelled, or used invitations cannot be reused, and invitations, joins, departures, and host actions are recorded in the audit trail.

Essential includes basic CRM with up to 250 contacts, leads, tasks, timeline, tags, client journey stages, CSV export, and client portal links. Professional adds multiple pipelines, saved views, CSV imports up to 1,000 rows per file, email templates, client intelligence, and up to 10 automation rules. Business adds unlimited CRM rules, campaigns, and custom roles; Enterprise is governed by its agreement. Automations create tasks, notifications, activity notes, or projects; they do not move money, send payments, or approve work. Client portal links must be shared only with the intended client and turned off when no longer needed. Sent invoices and payment events can appear in the corresponding client's CRM history.

Imported bank and investment activity is kept separate from accounting records until reviewed and posted. Provider data can be delayed or inaccurate, and customers remain responsible for reviewing, reconciling, and posting it. Pending transactions may change when settled. FiscoPoint may change connection providers while preserving existing records. Revoking a connection stops future synchronization but does not delete previously imported records. Subscription billing is processed by a payment provider; FiscoPoint does not store full card numbers. Providers handle data under their own terms, and FiscoPoint does not sell data to them.

A user is one individual person with their own FiscoPoint login inside an organization, not a business, workspace, device, or connected account. Essential includes 1 user per organization, Professional up to 3, Business up to 10, and Enterprise unlimited or contract-agreed users. Owners and master admins may invite people up to the plan limit, assign roles, suspend, restore, or remove access. The freemium Essential edition, Business or Personal, is selected at sign-up and stays with that account; upgrading opens additional environments on the same account. Plan, edition, and feature entitlements are enforced by FiscoPoint's servers, not by the interface.

Dashboards can be shown in founder, finance, operations, people and payroll, or executive views. Views change which panels appear and their order; they never change or filter underlying records or grant extra access. Administrators may set optional spending rules, such as approval amounts for expenses and purchase orders, receipt requirements, a hard limit per expense, and whether people may approve their own spending. These rules are enforced on FiscoPoint's servers, never alter existing records, and changes are recorded in the audit trail.

Administrators may switch on daily, weekly, or monthly tasks: preparing draft pay runs, recurring invoices and expenses, overdue and balance reminders, monthly summaries, recurring payment detection, unusual spending alerts, budget versus actual comparisons, obligations due in the next fourteen days, and counts of unmatched account activity. Tasks describe and prepare; they do not decide. No money is moved, no payment is made or filed, no pay run is approved, and nothing is reconciled for you. Each task records its runs and failures and pauses itself after repeated failures. Results are analysis of your own data, not professional advice.

Bank connections use a regional provider. Today only Plaid is active, for the United States and Canada. Where no provider is active, accounts and transactions can be added manually. Connection keys are encrypted and kept on FiscoPoint's servers, and connections can be removed at any time. Credit score ranges shown in FiscoPoint come from information published by each country's credit bureaus for general guidance only. They are not a credit report, lending decision, or financial advice, and FiscoPoint never generates or estimates a credit score.

FiscoPoint is a product of Oasystemx LLC, the party responsible for the service under these terms. Updated terms will show a new effective date and material changes will be communicated when required. Product support: support@fiscopoint.com. General enquiries: info@fiscopoint.com. Legal, privacy, and data requests: legal@fiscopoint.com. Sales and enterprise: sales@fiscopoint.com. Telephone: +1 (407) 664-1040. Account and administration enquiries: admin@fiscopoint.com.