Terms of Service

Please read these terms carefully before using our accounting and financial management platform.

Last updated: October 3, 2025

Agreement to Terms

By accessing and using 42HQ , you accept and agree to be bound by the terms and provisions of this agreement. You accept this agreement either by clicking a box indicating your acceptance or by proceeding to use 42HQ . If you do not agree with these terms and conditions, you may not use 42HQ .

Service Overview
What 42HQ Companion provides

42HQ is a comprehensive accounting and financial management platform provided by Caspian Software Solutions, Inc. that enables businesses to manage their financial data, connect with financial institutions, and maintain accurate books with AI-powered automation and professional reporting capabilities.

Financial Management

Accounting & bookkeeping automation

Bank Integration

Connect with financial institutions via Plaid

Reporting

Professional financial reports

Data Security

256-bit AES encryption

Important

42HQ is only available to bona fide end-users with legitimate business accounting needs. We reserve the right to terminate accounts used for competitive purposes.

User Accounts and Registration
Your responsibilities and account requirements

Account Requirements

  • You must validly enter into this Agreement and have legal power to do so
  • You must provide accurate and complete registration information
  • You are responsible for maintaining the security of your account and password
  • You must notify us immediately of any unauthorized access to 42HQ
  • Usage is subject to limits unless otherwise specified
  • Passwords must not be shared (except with authorized Accountants for client services)

Your Responsibilities

  • Ensure 42HQ compatibility with your device, browser, and network connections
  • Maintain compliance with this Agreement for all Users and Affiliates
  • Use commercially reasonable efforts to prevent unauthorized access
  • Use 42HQ only in accordance with this Agreement and applicable laws
  • Manage access rights granted to your Accountants and Employees
Acceptable Use Policy
What you can and cannot do with our service

Permitted Uses

  • Legitimate business accounting and financial management
  • Connecting to your own financial institutions via Plaid
  • Managing customer data and financial records
  • Using 42HQ for you, your Affiliates, Users, and authorized Accountants
  • Storing and processing business financial documents
  • Generating reports and analytics for business purposes

Prohibited Uses

  • Making 42HQ available to unauthorized third parties
  • Selling, reselling, licensing, or distributing 42HQ without consent
  • Storing or transmitting infringing, libelous, or unlawful material
  • Storing or transmitting malicious code, viruses, or harmful software
  • Interfering with or disrupting the integrity or performance of 42HQ
  • Attempting to gain unauthorized access to 42HQ or related systems
  • Circumventing contractual usage limits
  • Reverse engineering 42HQ (where legally permitted)
  • Using 42HQ to build competitive products or services

Third-Party Financial Data

You may only provide access information for financial accounts where you are the principal account holder or have explicit authority to act on behalf of the principal account holder. Our service provider Plaid Inc. will access these accounts for transaction data aggregation and account verification.

Privacy and Data Protection
How we handle your data and privacy

Your privacy and data protection are governed by our Privacy Notice and Data Protection Laws including GDPR. As Data Controller of your Customer Data, you have specific responsibilities.

Your Data Rights

  • You retain ownership and control of Customer Data as Data Controller
  • You can request export of Customer Data within 28 days after termination
  • We implement appropriate technical and organizational security measures
  • We provide assistance with Data Subject requests and compliance obligations
  • Personal Data transfers are protected by appropriate safeguards

Your Data Responsibilities

  • Comply with Data Protection Laws for all Customer Personal Data
  • Ensure you have legal authority to disclose Personal Data to us
  • Obtain necessary consents and provide required notices to Data Subjects
  • Ensure accuracy, completeness, and timeliness of information provided
  • Warrant that your Processing instructions comply with applicable laws

Note: We may use Customer Data (on a pseudonymized and aggregated basis) for research, development, and service improvements. Contact us if you prefer to opt out of this usage.

Payment Terms and Billing
Subscription plans, billing, and payment policies

Subscription Terms

  • Multiple plan tiers with usage limits
  • Automatic renewal for equal subscription periods
  • Free Trial and Promotional Pricing available
  • Usage limits purchased cannot be decreased during term
  • Your 42HQ Accountant may pay fees on your behalf

Payment Obligations

  • Payment obligations are non-cancellable
  • Fees paid are non-refundable (except as specified)
  • Invoiced charges due 30 days from invoice date
  • Fees payable in advance unless otherwise stated

Payment Terms

  • Payment Methods: Valid credit/debit cards, direct debit, or alternative methods we accept
  • Late Payments: 1.25% monthly interest on overdue amounts (or maximum legal rate)
  • Account Suspension: Access suspended if payment is 14+ days overdue (5+ days for card payments)
  • Taxes: You are responsible for all applicable taxes (VAT, GST, sales tax, etc.)
  • Promotional Pricing: Automatically converts to standard pricing after Free Trial/Promotion ends
  • Price Changes: 30-day advance notice for subscription renewals (except Free Trial/Promotional customers)

Important

We will not exercise suspension rights if you are disputing charges reasonably and in good faith while cooperating to resolve the dispute. Purchases are not contingent on future functionality or features.

Service Availability and Support
Service level expectations and support policies

Service Availability

  • 24 hours a day, 7 days a week availability target
  • Planned downtime (minimum 8 hours electronic notice)
  • Scheduled during weekend hours when possible
  • Unavailability may occur due to Force Majeure Events
  • We use commercially reasonable efforts for uptime

Support Services

  • Technical advice and assistance included at no additional charge
  • Support provided with commercially reasonable efforts
  • No support for third-party software or Non 42HQ Applications
  • Help documentation and training materials available
  • Collateral and online resources provided

Service Dependencies: 42HQ availability depends on your internet provider's network. We are not responsible for your provider's availability or any associated loss, damage, error, or failure to transmit.

Audit Rights: We may audit your usage through 42HQ . Unauthorized use will result in overage fees and conversion to full-use subscriptions at current list pricing.

Intellectual Property Rights
Ownership and usage rights

42HQ Rights

  • 42HQ platform, software, and all related intellectual property rights
  • All 42HQ trademarks, logos, and branding
  • Documentation, guides, training materials, and Collateral
  • No rights granted except as expressly set out in this Agreement
  • All right, title, and interest reserved by us and our licensors

Your Rights in Customer Data

  • You retain all rights in Customer Data you submit
  • Your financial documents and business records
  • Your customer information and financial data
  • We acquire no ownership rights in Customer Data
  • Export available within 28 days after termination

License Grants

To You: We grant you a worldwide, limited-term license to use 42HQ subject to this Agreement and the Collateral.

From You: You grant us a worldwide, limited-term license to host, copy, transmit and display Customer Data as necessary to provide 42HQ .

Feedback: You grant us a worldwide, irrevocable, royalty-free license to use any feedback, suggestions, or enhancement requests you provide.

Limitation of Liability
Important legal limitations and disclaimers

DISCLAIMER: YOUR USE OF CASHBOOKS IS ENTIRELY AT YOUR OWN RISK. TO THE MAXIMUM EXTENT PERMITTED BY LAW, CASHBOOKS AND SUPPLIERS DISCLAIM ALL WARRANTIES INCLUDING FITNESS FOR PURPOSE, MERCHANTABLE QUALITY, AND NON-INFRINGEMENT. We do not warrant that 42HQ will be secure, bug-free, or free from interruption.

Liability Limitations

  • You waive claims against 42HQ and Released Parties arising from your use
  • No liability for direct, indirect, incidental, or consequential damages
  • No liability for loss of use, profits, or data
  • Aggregate liability limited to compensation paid in prior 3 months
  • No liability for Third Party Materials or Third Party Services
  • You use 42HQ and Third Party Services at your own risk

Indemnification

You shall defend, indemnify and hold harmless 42HQ from any loss, damages, or claims arising from your use of 42HQ , your Customers' use, or any infringement of third-party rights by your User Content.

Important: 42HQ disclaims any representations that your use will satisfy legal obligations or ensure compliance with laws or regulations. Some provinces may not allow exclusion of implied warranties.

Account Termination
How accounts can be terminated and what happens next

Automatic Renewal & Termination

  • Subscriptions automatically renew for equal periods
  • Either party may give 30 days notice of non-renewal
  • If Accountant pays your fees, notify them for termination
  • Pricing remains same unless 30 days written notice given

Termination for Cause

  • 14 days written notice for material breach
  • Immediate termination for insolvency/bankruptcy
  • You may terminate for materially detrimental changes (7 days notice)
  • We may terminate for policy violations or non-payment

Post-Termination

  • Customer Data available for export/download for 28 days after termination
  • After 28 days, we will delete all Customer Data unless legally prohibited
  • Refunds provided if you terminate for cause; no refunds if we terminate for cause
  • Outstanding fees covering remainder of term become due if we terminate for cause
  • Surviving provisions remain in effect (confidentiality, liability, etc.)
  • Accrued rights, remedies, and liabilities continue after termination
Governing Law and Disputes
Legal jurisdiction and dispute resolution

Governing Law

This Agreement and any disputes arising from it will be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to conflict of law principles.

Jurisdiction

Each party irrevocably agrees to submit to the exclusive jurisdiction of the courts of Delaware, United States of America over any claim or matter arising out of or in connection with this Agreement.

Export Compliance

42HQ may be subject to U.S. export laws. You represent that you are not on any U.S. government denied-party list and will not permit Users to access 42HQ in U.S.-embargoed countries or in violation of U.S. export laws.

Assignment: Neither party may assign this Agreement without consent, except to Affiliates or in connection with merger/acquisition. However, we may transfer this Agreement at any time without your consent.

Contact Information
How to reach us with questions or concerns

If you have questions about these Terms of Service, please contact us:

General Inquiries

legal@42hq.in

Customer Support

support@42hq.in

Mailing Address

42HQ Technologies

Bangalore, Karnataka, India

Changes to Terms

Modification Rights

We may update these Terms at any time by posting a revised version at cashbooks.com/terms. If we make material changes, we will provide at least 30 days' advance notice.

Notice Methods

  • Email notification to your registered email address
  • In-product notification banner
  • Notice on our website
  • For material changes: 30-day advance notice period

Acceptance of Changes

Continued use of 42HQ after the effective date of changes constitutes acceptance. If you don't agree, you must stop using 42HQ and may terminate your account.

Version Control: We maintain version history of our Terms. You can always request information about changes or previous versions by contacting support.