Terms of Service
Effective Date: January 1, 2025 · Last Updated: February 16, 2026
PLEASE READ THESE TERMS OF SERVICE CAREFULLY. By accessing or using the Helcyon Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
THESE TERMS CONTAIN AN ARBITRATION AGREEMENT AND CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS. PLEASE REVIEW SECTIONS 15 AND 16 CAREFULLY.
Contents
- Acceptance of Terms
- Description of Service
- Account Registration
- Subscription and Payment
- Third-Party Integrations
- User Responsibilities
- Intellectual Property
- Important Disclaimers
- Limitation of Liability
- Indemnification
- Service Availability
- Termination
- Confidentiality
- Governing Law
- Arbitration Agreement
- Class Action Waiver
- General Provisions
- Changes to Terms
- Contact Us
1.Acceptance of Terms
These Terms of Service ("Terms") constitute a legally binding agreement between you (individually, or on behalf of the business entity you represent) ("you," "your," or "Customer") and Helcyon, Inc. ("Helcyon," "we," "us," or "our") governing your access to and use of the Helcyon website, mobile application, and financial monitoring services (collectively, the "Service").
By creating an account, accessing, or using the Service, you represent and warrant that:
- You are at least 18 years of age
- You have the legal authority to enter into this agreement
- If acting on behalf of a business, you have the authority to bind that business to these Terms
- You will comply with all applicable laws and regulations
2.Description of Service
2.1 What Helcyon Does
Helcyon provides a financial monitoring and diagnostic service that:
- Connects to your accounting software through authorized, read-only API integrations
- Analyzes your financial data to generate diagnostic reports
- Monitors five key business vital signs: Cash Pulse, Revenue Blood Pressure, Customer Heartbeat, Margin Temperature, and Growth Oxygen
- Detects anomalies and potential fraud indicators
- Delivers alerts and insights to help you understand your financial health
2.2 What Helcyon Does NOT Do
Read-Only Access Only — No Ability to Touch Your Money
Helcyon is designed exclusively as a read-only monitoring service. We cannot and do not:
- Access your bank accounts directly
- Move, transfer, or touch any funds in any account
- Create, modify, or delete any transactions
- Initiate payments, transfers, or withdrawals
- Access your banking credentials, passwords, or login information
- Store your payment credentials for any financial institution
- Take any action on your behalf within your financial accounts
- Modify any records in your accounting software
This is not a configurable setting. This is how the system is architecturally built. Read-only permissions are enforced at the API level by your accounting software provider (QuickBooks, Xero, etc.). Helcyon cannot request, receive, or utilize any permissions beyond read-only access.
You acknowledge and agree that Helcyon has no ability whatsoever to move money, execute transactions, or take any action affecting your financial accounts.
3.Account Registration
3.1 Account Creation
To use the Service, you must create an account. You agree to:
- Provide accurate, current, and complete information
- Maintain and update your information as needed
- Keep your login credentials confidential
- Notify us immediately of any unauthorized access to your account
- Accept responsibility for all activities under your account
3.2 Account Security
You are solely responsible for maintaining the security of your account credentials. Helcyon is not liable for any loss or damage arising from your failure to protect your account.
4.Subscription and Payment
4.1 Subscription Plans
Helcyon offers multiple subscription tiers with varying features and pricing. Current plans and pricing are available at helcyon.ai/pricing.
4.2 Billing
- Subscriptions are billed monthly or annually, as selected at checkout
- Payment is due at the beginning of each billing cycle
- All fees are non-refundable except as expressly stated in these Terms or required by law
4.3 Automatic Renewal
Your subscription will automatically renew at the end of each billing cycle unless you cancel before the renewal date.
4.4 Price Changes
We may change subscription prices with 30 days' notice. Price changes will take effect at the start of your next billing cycle.
4.5 Refund Policy
- Monthly Subscriptions: No refunds for partial months.
- Annual Subscriptions: If you cancel within the first 14 days, you may request a full refund. After 14 days, no refunds are available.
5.Third-Party Integrations
5.1 Authorization
When you connect third-party accounting software (QuickBooks, Xero, etc.) to Helcyon, you:
- Authorize Helcyon to access your data through that service's API
- Represent that you have the authority to grant such access
- Agree that access is limited to read-only permissions
5.2 Third-Party Terms
Your use of third-party services is subject to those services' own terms and privacy policies. Helcyon is not responsible for third-party services.
5.3 No Liability for Third Parties
Helcyon is not liable for errors, outages, or limitations of third-party services; changes to third-party APIs; security incidents at third-party services; or any actions taken by third-party services.
6.User Responsibilities
You agree to:
- Use the Service only for lawful purposes
- Provide accurate data and maintain data accuracy
- Not interfere with the Service or circumvent security measures
- Not use the Service to violate any laws or regulations
- Not share your account credentials with unauthorized parties
- Not reverse engineer, decompile, or disassemble the Service
- Not use the Service to transmit malware or harmful code
- Comply with all applicable anti-money laundering laws
7.Intellectual Property
7.1 Helcyon Ownership
Helcyon and its licensors own all rights, title, and interest in the Service, including all software, algorithms, designs, trademarks, and content. Nothing in these Terms transfers any intellectual property rights to you.
7.2 Your Data
You retain all rights to your financial data. By using the Service, you grant Helcyon a limited, non-exclusive license to access, store, and process your data solely to provide the Service.
8.Important Disclaimers
Please Read This Section Carefully
This section limits our liability and affects your legal rights.
8.1 Not Financial Advice
THE SERVICE IS NOT FINANCIAL, INVESTMENT, TAX, LEGAL, OR ACCOUNTING ADVICE.
Helcyon provides informational diagnostic reports and alerts based on analysis of your financial data. The Service is intended to supplement, not replace, professional advice.
You acknowledge and agree that:
- Helcyon is not a registered investment advisor, broker-dealer, accountant, CPA, attorney, or financial planner
- The diagnostics, reports, and alerts provided by the Service are informational only
- You should consult qualified professionals before making financial, tax, legal, or business decisions
- Helcyon does not recommend any specific financial strategy, investment, or course of action
- You are solely responsible for all business and financial decisions you make
8.2 Not a Replacement for Professional Services
The Service does not replace a licensed accountant or CPA, a licensed financial advisor, a licensed attorney, a licensed tax professional, or a Chief Financial Officer.
8.3 No Guarantees of Accuracy
While we strive for accuracy, we cannot guarantee that the Service will detect all anomalies, fraud, or financial issues; provide completely accurate or complete diagnostics; be error-free or uninterrupted; meet your specific requirements; or produce results that match your accountant's analysis.
8.4 No Guarantees of Business Outcomes
Helcyon makes no promises regarding business outcomes. The Service cannot guarantee increased revenue, prevention of business failure, detection of all fraud, or any specific financial results.
8.5 "AS IS" and "AS AVAILABLE"
9.Limitation of Liability
This Section Limits Our Liability
Please read it carefully.
9.1 No Consequential Damages
9.2 Cap on Liability
9.3 Exceptions
The limitations in this Section 9 do not apply to Helcyon's gross negligence or willful misconduct, fraud by Helcyon, death or personal injury caused by Helcyon's negligence, or any liability that cannot be limited by applicable law.
9.4 Jurisdictional Limitations
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY, AND YOU MAY HAVE ADDITIONAL RIGHTS.
10.Indemnification
You agree to indemnify, defend, and hold harmless Helcyon and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to:
- Your use or misuse of the Service
- Your violation of these Terms
- Your violation of any applicable law or regulation
- Your violation of any third-party rights
- Your negligence or willful misconduct
- Any claim by a third party arising from your use of the Service
- Your business decisions made based on the Service
11.Service Availability
11.1 No Guarantee of Uptime
While we strive for high availability, we do not guarantee that the Service will be available at all times. The Service may be interrupted due to scheduled maintenance, unscheduled maintenance, third-party service outages, internet connectivity issues, or force majeure events.
11.2 Modifications to Service
We may modify, suspend, or discontinue any part of the Service at any time. We will provide reasonable notice of material changes when possible.
12.Termination
12.1 Termination by You
You may cancel your subscription at any time through your account settings or by contacting support@helcyon.ai. Cancellation takes effect at the end of your current billing cycle.
12.2 Termination by Helcyon
We may suspend or terminate your access to the Service immediately, without prior notice, if you breach these Terms, fail to pay fees when due, we are required to do so by law, or we reasonably believe your use poses a security risk.
12.3 Effect of Termination
Upon termination, your right to access the Service ends immediately, all outstanding fees become due, and provisions that by their nature should survive will survive (including Sections 7-10, 14-16).
12.4 Data Deletion
After termination, your data will be permanently deleted within 30 days unless retention is required by law or you request earlier deletion.
13.Confidentiality
"Confidential Information" includes your financial data, business information, and any non-public information disclosed by either party. Each party agrees to protect the other's Confidential Information using reasonable care, use Confidential Information only for purposes of these Terms, and not disclose Confidential Information except as permitted herein.
14.Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.
15.Arbitration Agreement
Please Read This Section Carefully
It affects your legal rights, including your right to file a lawsuit in court.
15.1 Agreement to Arbitrate
You and Helcyon agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Service, or your relationship with Helcyon ("Dispute") will be resolved exclusively through final and binding arbitration, rather than in court.
15.2 Arbitration Rules
Arbitration will be conducted by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. If AAA is unavailable, the parties will select an alternative arbitration provider.
15.3 Arbitration Procedures
- The arbitration will take place in Wilmington, Delaware, or another mutually agreed location
- The arbitration will be conducted by a single arbitrator
- The arbitrator's decision will be final and binding
- Judgment on the award may be entered in any court of competent jurisdiction
15.4 Exceptions
The following are not subject to arbitration: claims that may be brought in small claims court, actions to enforce intellectual property rights, and applications for preliminary injunctive relief.
15.5 Opt-Out
You may opt out of this arbitration agreement by sending written notice to support@helcyon.ai within 30 days of first accepting these Terms. The notice must include your name, address, email, and a clear statement that you wish to opt out of arbitration.
16.Class Action Waiver
If a court or arbitrator determines that this class action waiver is unenforceable, the arbitration agreement in Section 15 will be void, and any class action will proceed in court.
17.General Provisions
17.1 Entire Agreement
These Terms, together with the Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Helcyon regarding the Service and supersede all prior agreements.
17.2 Severability
If any provision of these Terms is held invalid or unenforceable, that provision will be modified to the minimum extent necessary, and the remaining provisions will continue in full force and effect.
17.3 Waiver
Our failure to enforce any provision of these Terms does not waive our right to enforce that provision in the future.
17.4 Assignment
You may not assign these Terms without our prior written consent. We may assign these Terms without restriction.
17.5 Force Majeure
Helcyon is not liable for any failure or delay in performance due to causes beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, government actions, internet outages, or third-party service failures.
17.6 Notices
We may provide notices to you via email, in-app notifications, or posting on our website. Notices to Helcyon must be sent to support@helcyon.ai.
18.Changes to These Terms
We may update these Terms from time to time. When we make material changes:
- We will notify you by email at least 30 days before the changes take effect
- We will update the "Last Updated" date at the top
- We will post a notice on our website
Your continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not agree to updated Terms, you must stop using the Service and cancel your subscription.
19.Contact Us
If you have questions about these Terms, please contact us:
Helcyon, Inc.
Support: support@helcyon.ai