1. Introduction & Acceptance

Welcome to techbrot.com (the “Website”). These Terms & Conditions (“Terms”) constitute a legally binding agreement between You (“Client,” “User,” “You,” or “Your”) and TechBrot Inc., a Delaware C-Corporation (“TechBrot,” “We,” “Us,” or “Our”), governing Your access to and use of the Website and all Services provided by TechBrot, including but not limited to bookkeeping services, digital deliverables, advisory work, subscription plans, consultations, and related Service offerings (“Services”).

By accessing the Website, submitting an order, creating an account, authenticating a bank account, entering payment information, clicking any acceptance box, or otherwise indicating consent, You:

• enter into a binding electronic contract enforceable under the U.S. E-SIGN Act and UETA;
• represent that You have the full authority to bind Yourself and/or Your business entity;
• agree that all purchases are final, non-cancellable, and non-refundable;
• agree that You will not initiate any chargeback, payment reversal, or dispute for any authorized transaction;
• consent to TechBrot’s Payment Authorization, ACH Mandate, Data Usage, and Evidence Collection provisions;
• agree that these Terms govern all interactions with TechBrot, regardless of where initiated.

If You do not agree to these Terms in full, you must immediately discontinue use of the Website and Services.

2. Applicability & Priority of Documents

These Terms apply to all Website usage, purchases, and Services provided by TechBrot.

In case of conflict between these Terms and any signed Service Agreement, Order Form, SOW, or Addendum, the following order of precedence applies:

1. The signed Service Agreement (if any)
2. The executed Order Form / Scope of Work
3. Any written Addenda, including Data Processing Addenda
4. These Terms & Conditions
5. TechBrot’s Privacy Policy, Refund Policy, and Payment Authorization statements

All referenced policies are incorporated by reference and constitute part of this binding Agreement.

3. Key Definitions

• Client / You: Any individual or legal entity purchasing Services from TechBrot.
• Services: All bookkeeping, advisory, digital, setup, cleanup, subscription, planning, categorization, reconciliations, financial reviews, consulting, and any output provided by TechBrot.
• Deliverables: Financial work product, reports, reconciliations, files, digital items, or other outputs delivered by TechBrot.
• Your Data: Any Client documents, credentials, information, or materials provided to TechBrot.
• Payment Methods: Credit cards, debit cards, ACH payments, Zelle (if used), PayPal, Apple Pay, Google Pay, wire transfers, bank transfers, payment links, and any method supported now or in the future.
• DPA: Data Processing Addendum mandated when Personal Data processing applies.

4. Services — Scope, Delivery & Modifications

All Services are provided remotely. Service scope is strictly limited to what is listed in the Order Form or checkout description. Client acknowledges and agrees that:

• Work may begin immediately upon purchase, including file preparation, assessment, or backend setup;
• Service timelines depend on the Client’s timely cooperation and data delivery;
• Out-of-scope requests require a signed change order and may incur additional fees;
• TechBrot is not responsible for delays caused by third-party outages, bank feeds, platform issues, or Client inaction;
• Any free consultations, assessments, or bonuses have no monetary value and may be changed or discontinued at any time.

TechBrot may use subcontractors, employees, and affiliates to perform Services, and all such parties are protected under these Terms.

5. Client Responsibilities

Client shall:

• Provide accurate, complete, and timely financial data, credentials, and documents;
• Maintain required third-party software (bookkeeping platforms, payroll systems, merchant accounts, etc.);
• Secure all login credentials and access devices used to interact with TechBrot;
• Notify TechBrot immediately of any suspected security breach, unauthorized access, or compromised accounts;
• Review Deliverables promptly and notify TechBrot of any concerns in writing;
• Ensure the person making the purchase has full legal and financial authorization to bind the Client.

TechBrot is not responsible for errors, delays, or adverse outcomes caused by:

• Client negligence or failure to provide information,
• Incorrect or incomplete data,
• Third-party platform outages or technical issues,
• Client’s failure to maintain backups and financial records.

6. Fees, Invoicing & Payment Authorization

All fees must be paid in advance unless stated otherwise. By entering payment details or completing checkout, Client grants TechBrot explicit authorization to charge all fees due under these Terms.

6.1 Accepted Payment Methods (ALL Covered)

These Terms govern all payments made via:

• Credit cards (Visa, Mastercard, Amex, Discover)
• Debit cards
• ACH and bank debits (including via Plaid or Stripe Financial Connections)
• PayPal
• Apple Pay
• Google Pay
• Bank transfers / Wire transfers
• Zelle (if used)
• Payment links
• EFT, RTP, and other bank-to-bank rails
• Any future payment method added to TechBrot systems

6.2 ACH Authorization & Bank Debit Mandate

By entering bank details or completing bank-account authentication, Client provides a legally binding ACH Authorization permitting TechBrot to debit the bank account for all fees, renewals, taxes, penalties, and outstanding balances. Client agrees to comply with NACHA rules and acknowledges liability for:

• insufficient funds,
• ACH returns,
• reversal fees,
• bank penalties,
• processor fees,
• collection and recovery costs.

Client waives any right to dispute an ACH debit that was completed using their credentials, device, IP, or bank authentication.

6.3 Cardholder Responsibility & Authorization

By submitting a card payment, Client:

• represents they are the lawful cardholder or are authorized to use the card;
• accepts full responsibility for all charges made with the card;
• agrees not to initiate a card-network dispute or chargeback for any authorized transaction;
• waives rights under card-network “friendly fraud” exceptions;
• agrees that any person using their device, browser, login, or card is acting with Client’s authorization.

Client agrees that all card transactions are final and irrevocable under these Terms.

6.4 Billing Disputes

Any billing dispute must be submitted to TechBrot in writing within 7 business days of invoice issuance. Failure to dispute an invoice within this period constitutes permanent acceptance of all charges.

6.5 Collections, Late Fees & Enforcement

• Unpaid balances accrue interest at 1.5% per month or the maximum permitted by law.
• Client is responsible for all collection costs, attorney fees, court costs, and recovery expenses.
• TechBrot may suspend Services immediately for any late or failed payment.

7. Refunds, Payment Finality & Chargeback Prohibition

7.1 ALL SALES FINAL — NO REFUNDS

Client agrees and acknowledges that all payments made to TechBrot Inc. are non-refundable and non-creditable under all circumstances, including but not limited to:

• change of mind,
• non-usage of Services,
• delay or non-response by Client,
• third-party or employee-initiated purchases,
• duplicate purchases by Client,
• accidental purchases,
• failure to understand or read Service descriptions,
• Client’s inability to provide documents or data.

7.2 No Chargebacks — No Reversals — No Exceptions

By purchasing, Client agrees:

• not to initiate any chargeback, reversal, dispute, retrieval request, or payment challenge with any bank, card issuer, or payment processor;
• that any attempt to dispute a payment for an authorized transaction constitutes material breach of this Agreement;
• that TechBrot may take legal action, send to collections, and report fraudulent disputes to banks and law enforcement.

7.3 Unauthorized Payment Waiver

Client acknowledges and agrees that:

• Any payment completed using Client’s device, IP address, login credentials, browser session, business email, or saved cards is considered authorized.
• Client is fully responsible for actions taken by employees, family members, contractors, partners, or anyone with access to Client’s devices or accounts.
• “Unauthorized” claims will be treated as bad-faith disputes (“friendly fraud”).

7.4 Chargeback = Debt Owed + Damages

If Client initiates a chargeback in violation of these Terms, Client agrees to pay:

• the full disputed amount,
• all processor and bank fees,
• legal fees,
• collection agency fees,
• $250 administrative penalty,
• interest until full payment is recovered.

7.5 Evidence Consent for Dispute Defense

Client authorizes TechBrot to submit the following to banks, card networks, processors, or law enforcement:

• IP logs, device fingerprints, geolocation records;
• payment screenshots, order confirmations, timestamps;
• emails, messages, and communications proving authorization;
• deliverable records, systems logs, access logs;
• ACH authorization records and bank authentication logs.

Client expressly waives privacy claims related to dispute evidence.

8. Term, Suspension & Termination

TechBrot may suspend or terminate Services immediately for:

• late payments,
• chargeback attempts,
• suspected fraud,
• breach of these Terms,
• abusive behavior,
• legal or compliance requirements.

Upon termination:

• All unpaid fees become immediately due;
• Client has 7 days to request data exports;
• TechBrot may delete Client Data after 7 days;
• Sections on payment, liability, arbitration, confidentiality, and indemnification survive indefinitely.

9. Data Ownership, Privacy & Security

Client retains ownership of all Client Data. TechBrot maintains commercially reasonable security measures but does not guarantee absolute security due to inherent risks of digital systems. Client acknowledges responsibility for:

• securing its own login credentials,
• protecting devices used to access the Services,
• maintaining independent backups of financial data.

TechBrot may retain transaction logs, evidence records, and payment authorizations for at least two (2) years for compliance, fraud prevention, and dispute resolution.

See the Privacy Policy for full details.

10. Confidentiality

Each Party agrees to safeguard Confidential Information with reasonable care. TechBrot may disclose limited data to banks, processors, or legal authorities for fraud investigation, payment recovery, or dispute defense. Confidentiality obligations survive termination indefinitely.

11. Intellectual Property & Deliverables

TechBrot retains exclusive ownership of all methodologies, templates, tools, code, workflow systems, business processes, copyrighted content, and intellectual property appearing on the Website or used to generate Deliverables.

Client receives a limited, non-transferable license to use Deliverables internally once payment is fully received. Deliverables may not be shared, resold, sublicensed, or redistributed without explicit written permission.

12. Warranties, Disclaimers & Risk Allocation

Services are provided “AS IS” and “AS AVAILABLE.” TechBrot expressly disclaims all implied warranties, including:

• merchantability,
• fitness for a particular purpose,
• accuracy or completeness,
• non-infringement.

Client agrees that:

• all financial decisions remain solely Client’s responsibility;
• TechBrot does not guarantee results, outcomes, performance improvements, or compliance;
• Client must consult qualified tax, legal, or financial professionals as needed.

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13. Indemnification

To the maximum extent permitted by law, Client agrees to defend, indemnify, and hold harmless TechBrot Inc., its owners, shareholders, directors, officers, employees, contractors, and agents (“Indemnified Parties”) from and against any and all claims, demands, actions, liabilities, losses, damages, penalties, fines, or expenses (including reasonable attorney’s fees and court costs) arising out of or relating to:

• Client’s breach of these Terms;
• Client’s Data, documents, instructions, or financial information;
• any third-party or unauthorized use of Client’s payment method, devices, or accounts;
• Client’s failure to secure financial credentials or access devices;
• Client’s negligence, misconduct, misrepresentation, or fraudulent conduct;
• Client’s violation of applicable laws or regulations;
• payment disputes, chargebacks, ACH returns, or reversals initiated by the Client or any related party;
• claims brought by Client’s customers, vendors, employees, contractors, or partners arising from actions Client took based on Deliverables;
• use or reliance on TechBrot’s advisory Services or Deliverables;
• any third-party claims related to bookkeeping work completed based on Client-supplied information.

Client agrees that TechBrot retains the right to select its own counsel and participate in its own defense at Client’s expense.

14. Limitation of Liability

To the fullest extent permitted by Delaware law:

• TechBrot shall not be liable for any indirect, incidental, special, exemplary, punitive, or consequential damages, including loss of profits, revenue, data, goodwill, or business opportunities;
• TechBrot does not guarantee the accuracy of financial results, reports, or Deliverables based on Client-supplied data;
• TechBrot’s total cumulative liability for all claims shall not exceed the total fees paid by Client in the twelve (12) months preceding the event giving rise to the claim.

These limitations apply regardless of legal theory (contract, tort, negligence, strict liability, statute, etc.). Certain jurisdictions may limit liability waivers; in such cases, these limitations apply to the maximum extent allowed by law.

15. Third-Party Services, Integrations & External Links

TechBrot may recommend or integrate third-party services (such as bookkeeping software, payroll systems, banking tools, payment platforms, or merchant services). Client acknowledges that:

• TechBrot is not responsible for any outages, errors, delays, pricing changes, data issues, or actions taken by third-party platforms;
• Client must comply with all third-party terms independently;
• TechBrot does not guarantee the performance, security, or accuracy of third-party services;
• Links to external sites do not constitute endorsement or responsibility.

Client agrees that any issues arising from third-party services shall not constitute grounds for refunds, chargebacks, or liability claims against TechBrot.

16. Support, Service Levels & Escalation

Support and service level expectations are defined by the plan selected by Client, the Order Form, and onboarding documents. TechBrot will make commercially reasonable efforts to respond and address support inquiries but does not guarantee immediate or specific response times.

• Emergency or expedited support may incur additional fees;
• Support does not include out-of-scope work, research, analysis, legal interpretation, or advisory work unless included in the plan;
• TechBrot may suspend support for non-payment or breach.

17. Compliance, Legal Use & Regulatory Restrictions

Client represents and warrants that:

• Client will follow all applicable laws, including tax, financial reporting, privacy, data protection, and export-control laws;
• Client is not located in a restricted jurisdiction subject to U.S. sanctions;
• Client will not use Services for unlawful, unethical, or fraudulent activities.

TechBrot may refuse or terminate Services if required to comply with U.S. regulations or if Client engages in prohibited activities.

18. Force Majeure

TechBrot shall not be liable for any delay, failure, or interruption caused by circumstances beyond its reasonable control, including:

• internet or network failures,
• platform outages,
• cyber-attacks or security incidents,
• natural disasters,
• governmental actions,
• labor disputes,
• pandemics, epidemics, or public-health emergencies,
• failures of third-party vendors.

Obligations will resume once performance becomes feasible again.

19. Assignment

Client may not assign its rights or obligations under these Terms without TechBrot’s express written consent. TechBrot may assign these Terms, in whole or part, without notice, in connection with:

• corporate restructuring,
• sale of assets,
• merger or acquisition,
• affiliate transfer.

These Terms bind all permitted successors and assigns.

20. Notices

Formal legal notices must be sent to:

Email: [email protected]
Support: [email protected]
Phone: +1 (877) 751-5575

Notices to Client will be sent to the email address provided during account creation or purchase and are deemed delivered upon transmission.

21. Governing Law, Arbitration & Dispute Resolution

These Terms and all disputes arising out of or relating to them shall be governed by the laws of the State of Delaware, without regard to conflict-of-law principles.

21.1 Binding Arbitration (Mandatory)

Except for TechBrot’s right to pursue collections, injunctive relief, or legal remedies for chargebacks, all disputes shall be resolved exclusively through binding arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules.

Arbitration shall take place in Wilmington, Delaware. A single arbitrator shall preside. Each party shall bear its own fees unless the arbitrator awards otherwise.

21.2 Class Action Waiver

Client agrees that:

• all claims must be brought in an individual capacity;
• class actions, class arbitrations, and representative actions are strictly prohibited;
• Client waives the right to participate in any class or collective proceeding.

21.3 Collections & Chargeback Litigation Exception

TechBrot may pursue:

• collections,
• civil lawsuits,
• injunctive relief,
• payment enforcement,
• chargeback recovery litigation

in courts of competent jurisdiction in Delaware. Arbitration does not apply to these enforcement actions.

22. Severability, Waiver & Interpretation

If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions shall remain in full force and effect. Failure to enforce any part of these Terms does not constitute a waiver of future enforcement.

Headings are for convenience only and do not affect interpretation.

23. Changes to These Terms

TechBrot may amend or update these Terms at any time by posting the revised version on the Website. Changes become effective immediately upon posting. Continued use of the Website or Services constitutes acceptance of updated Terms.

24. Contact Information

TechBrot Inc.
Email: [email protected]
Legal: [email protected]
Phone: +1 (877) 751-5575
Registered in the State of Delaware, United States.